What is Private Health Insurance?

Blog > What is Private Health Insurance?

12 September 2017

What is Private Health Insurance?

We often take out insurance for things like our cars or for our pets, but it is also available for your health. Private health insurance, sometimes known as private medical insurance, is a policy that you take out through an insurance provider, to cover you for certain conditions or treatments if you become unwell.

Every UK resident has access to the NHS. Private Health Insurance is separate from this and comes with additional benefits, including:

  • Quicker diagnosis
  • A selection of private hospitals and facilities
  • Shorter waiting times to see your doctor or surgeon
  • Appointments at a time convenient for you
  • 24 hour medical advice lines
  • Member reward discounts

You may also gain access to treatments that aren’t available on the NHS due to cost, or specialist drugs or therapies. Ordinarily, these might not be affordable, but private health insurance can help with covering the costs.

Who has Private Health Insurance?

Many people take out private healthcare plans to complement the treatment available to them on the NHS. It is estimated that around 5.3 million people had private medical insurance in 2015 and around £25 billion was spent on private healthcare in the year 2013 according to the Nuffield Trust.

How do I Choose a Policy?

CS Healthcare specialises in providing health insurance to those who work, or have worked, in the civil or public service and their families. We offer a choice of two private medical plans to meet different needs and budgets. The type of insurance you can get depends on a few factors. Your previous medical history, lifestyle, budget and individual needs will all be considered to make sure you get the best cover possible.

Make sure you read our Frequently Asked Questions on our site to help make the best decision on your private health insurance.

What Won’t be Covered by my Insurance?

Like any type of insurance, there are restrictions and limits to private medical cover which are different for each individual person. General exclusions include chronic conditions, routine monitoring and emergency treatment.

Always make sure you go over all the finer details of your plan before you commit to it, and feel free to get in touch with us at CS Healthcare if you require any help or advice.

For the second year running, CS Healthcare was voted the Most Trusted Health Insurer at the Moneywise Customer Service Awards 2017. Find out why here and get a quote today.  



Private Medical Insurance UK, October 2016. (2016) Mintel

NHS Choices: http://www.nhs.uk/NHSEngland/thenhs

GP24 Advice Line

At CS Healthcare, we are always looking at ways to improve the products and services we offer to our members. We understand that accessing GP services quickly and at a time convenient for you can be challenging. This is why we are pleased to announce we are improving the advice line service that is available to all our members.

Open Eligibility

CS Healthcare is pleased to announce an exciting change to its eligibility criteria.

Historically, all new members were considered eligible to join CS Healthcare based on their chosen profession. You had to work in the public sector or be a civil servant to become a member. As of August 2019, this eligibility criteria no longer applies. Now everyone can experience award-winning customer service.

Jargon Buster

CS Healthcare has been providing private healthcare for 90 years and during that time, we’ve discovered there are some medical phrases and terms that cause confusion. Our Jargon Buster is designed to simplify any complicated terms that you may not be familiar with. Make sure you refer back to it any time you're feeling unsure about a word or meaning as you are browsing the site.

Confused? Take a look at our Jargon Buster

Our Jargon Buster is designed to simplify any complicated terms that you may not be familiar with. Make sure you refer back to it any time you're feeling unsure about a word or meaning as you're browsing the site.