Private Health insurance

Top-quality private healthcare when you and your family are sick or injured.

The standard of care in private hospitals is excellent, so choose a policy that gets you fast efficient access when you need it most. 

Howden’s expertise, footprint in the market and solid relationships with insurers means we can arrange insurance that fits your needs precisely, without paying too much. 
 

Private Health Policy Highlights

Covers many pre-existing conditions with no stringent medical underwriting requirements

We can provide quality cover without having to answer too many questions. Sometimes certain pre-existing conditions are excluded on lower premium policies. 

Extensive network of doctors, hospitals and dentists

We provide cashless access to accredited doctors all over the country. 

24/7 medical helpline

Direct access to highly qualified medical professions, whenever you need them. Our helpline is manned 24/7, so you can talk to a professional about your health concerns, symptoms, diagnoses, and side effects whenever you need to.

Dedicated expert claims team

Our claims team is there to guide you, helping to speed up claims payments and answer any questions you have.

Insurance liaison officers in hospitals

At the bigger hospitals, we have people on-site to help assist with getting the care quickly and efficiently.  

Access to telemedicine services 

If you can’t get to a surgery, our insurance policies let you speak to a qualified doctor and access prescription services via video conferencing e.g. Facetime or Skype. 

Book appointments and manage claims via mobile apps  

We help simplify the process, providing technology to make it easy. 

Things to be aware of

Named Perils Policy

Health Insurance generally works as “a Named Perils” policy. This means that the policy document will specifically state all the conditions that are covered. Anything that is not listed is not covered. Your Howden consultant will take the time to make sure you properly understand what you are buying. 

Some Pre-Existing Conditions may be excluded (on the lower-priced policies)

This is one of the most common conditions in Health Insurance. 

As Health Insurance is a Named Perils cover, some pre-existing conditions are excluded from the lower premium policies. It is very important to check whether any conditions are excluded. Your Howden consultant will help you get the coverage you need to achieve peace of mind. 
 

Who is the cover with?

Howden secures cover with insurers who have deep expertise in medical and life insurance. These insurers may be in local markets and the specialty markets of Lloyds of London. All the insurers we use are well respected, have extremely stable finances and will be viable long term. 

From initial diagnosis to final consultation, you can get the treatment you need more quickly and with less fuss. When it comes to your health, why settle for anything less than the best?