This is insurance that pays the hospital or doctor for your treatment. It can include treatment in a private ward or getting seen earlier in an NHS ward. Some plans allow you to claim if you are not able to be seen by the NHS within a set period. Other plans may charge a little more and don’t have any relevance to NHS waiting times.

You are either medically checked and underwritten at the outset (so you know what you’re covered for and what you won’t be). Premiums are usually reviewable annually.

THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

STOCK DATA
Value Move %
FTSE 100
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FTSE 250
19554.18 49.811 0.255
FTSE 350
4594.47 3.04 0.066
FTSE All Shares
4544.85 3.14 0.069
Dow Jones
40093.4 486.828 1.229
Nasdaq
17166.043 457.992 2.741