What is private medical insurance?

Private medical insurance gives you fast access to private healthcare.

 

Whether you need to see a consultant, have a diagnostic test or require a surgical procedure – having private health insurance means you won’t have to wait on the NHS waiting list.

Instead, you’ll be able to receive care at a private hospital, where you’ll benefit from high quality healthcare, carried out by experienced medical professionals in a clean and safe environment.

Private medical insurance is designed to put your health first and give you the medical care that you need without delay, so you can get on with the important things in life.

 

 

inSpire
Private Medical Insurance Plan

Value for money cover at Spire private hospitals

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Regional Plus
Private Medical Insurance Plan

Access to high quality healthcare at private hospitals

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inSpire Private Medical Insurance highlights

Value for money health insurance in partnership with Spire Healthcare

Created in partnership with Spire Healthcare, our inSpire Private Medical Insurance plan combines high quality healthcare with exceptional value for money.

As an inSpire policyholder you’ll be able to receive a wide range of treatments at any Spire Healthcare hospital.

High quality patient care – Spire work with over 3,000 of the country’s most experienced consultant surgeons and specialists

Fast access to Spire Healthcare hospitals and clinics, located throughout the UK

Excess options from £0 to £1,000

Cancer cover included with access to specialist cancer drugs

Wide range of benefits covering you from consultation and diagnostic tests through to surgery

 
 

"I'm so happy to be with APRIL UK, because they are efficient, helpful and always deal with requests promptly."
- Sonja Carigiet

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What's included?

These are the main benefits that you’ll receive:

  • Consultations with a specialist

  • Diagnostic tests

  • MRI, CT, PET scans

  • Hospital accommodation

  • Prescribed drugs and dressings

  • Operation costs

  • Surgeon, physician and anaesthetists fees

  • Physiotherapy (up to £500)

  • Nursing care

Additional cancer related cover:

  • Specialist cancer drugs and therapy

  • Biological therapies (reviewed after 12 months)

  • Palliative treatment (up to £10,000)

  • External prostheses (up to £5,000)

  • Wigs (up to £300)

Please refer to the Policy Document for a full list of benefits. There is an aggregate limit of £1m per person per policy year on total benefits payable under this plan. Benefits payable must be reasonable and customary and during the policy period only.

Your choice of Spire hospitals

You can choose to use any Spire Healthcare hospital, clinic and cancer centre in the UK. Click here to see the full hospital list.

Regional Plus Private Medical Insurance highlights

Flexible health insurance cover, allowing you to build your own plan

Our Regional Plus Private Medical Insurance puts you in control by offering a range of benefit options, so you can create a plan that suits your needs and budget.

 

"The treatment I received from an APRIL representative was second to none. Excellent!" - Anonymous

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What's included?

Standard benefits

These are the main benefits that you’ll receive.

  • Hospital accommodation

  • Prescribed drugs and dressings

  • Operation costs

  • Surgeon, physician and anaesthetists fees

Additional cancer related cover:

  • Specialist cancer drugs and therapy

  • Biological therapies (reviewed after 12 months)

  • Wigs (up to £300)

  • Palliative treatment (up to £10,000)

  • External prostheses (up to £5,000)

Optional benefits

You can choose to add any of the following benefits to your cover

Limited out-patient cover

  • Consultations with a specialist*
  • Diagnostic tests*
  • MRI, CT, PET scans
  • Physiotherapy (£500 per policy year)

Full out-patient cover

  • Consultations with a specialist
  • Diagnostic tests
  • MRI, CT, PET scans
  • Physiotherapy (£500 per policy year)

Psychiatric Benefits

  • In-patient and out-patient benefit (up to £20,000 per year)
  • Out-patient benefit (up to £1,500 per year, taken from the £20,000 limit)

Therapy Benefits       

  • Acupuncture, chiropractic care, osteopathy and homeopathy – up to £500 per year

(Shared across all benefits)

Health Cash Benefits

  • Dental - £300 per year
  • Optical - £200 per year
  • Health screening - £100 per year

(An initial qualifying period of 3 months applies).


*Up to £1,000 shared benefit
Please refer to the Policy Document for a full list of benefits. There is an aggregate limit of £1m per person per policy year on total benefits payable under this plan. Benefits payable must be reasonable and customary and during the policy period only.

Choice of hospital

With our Regional Plus Private Medical Insurance plan you’ll be spoilt for choice when it comes to private hospitals.
Leading networks such as Spire, BMI, Nuffield and Ramsey are all included on our list.

FAQ

These frequently asked questions apply to both of our private medical insurance plans

How do I make a claim?
Once you have been referred for a consultation or investigation by your GP - call the APRIL UK Claims Team on 0203 819 7159. Our expert claim handlers will talk you through the process and help identify consultants and private hospitals for your care.
What are my excess options?

Our excess options are a great way to make premiums more affordable without impacting the level of cover you receive.

As standard there is no compulsory excess on our private medical insurance plans. However, to reduce your premium, you can choose one of the excess options below:

  • £100
  • £250
  • £500
  • £1,000
This will only be payable once per person per policy year and will offer a generous discount to your premium.
Who can apply?
You must be between the ages of 16 and 74 inclusive and resident in the UK, Isle of Man or Channel Islands. If you are under 16, a parent or guardian may take out a plan for you, on a moratorium or full medical underwriting basis, and pay your premiums. Children under the age of 25 can be covered under a ‘Single Parent’ or ‘Family’ plan.
What's not covered?

These are some of the key exclusions:

  • Chronic conditions
  • Pre-existing conditions which have occurred before joining the plan (unless agreed at time of joining)
  • Routine GP visits
  • Normal pregnancy and childbirth
  • Cosmetic surgery
  • Alcoholism, drug abuse and other addictive conditions
  • Regular renal dialysis
  • Self-inflicted injury
  • Hazardous pursuits and some sports injuries
  • HIV, AIDS and related conditions
  • Some types of dental treatment
  • Preventative treatment
  • Unlicensed drugs
  • Experimental treatment
  • Self-referred treatment
  • Treatment at facilities not owned and run by the Spire Group (this only applies to the inspire policy)

All Health Cash Benefits are subject to an initial 3-month qualifying period.
Please refer to the Policy Document for a full list of exclusions.

Who underwrites the plans?
Axeria Insurance Limited
Axeria Insurance Limited are a member of the APRIL Group and underwrite our private medical insurance plans. We both share the vision of developing first-class products that offer comprehensive benefits and great value for money.
How does moratorium underwriting work?

Any medical issues you have had in the 5 year period prior to the start date of your plan are classed as pre-existing medical conditions.

These conditions will not be covered at the start date of the plan on a Moratorium. But once you go 2 years (from the start date of the plan) clear of symptoms, medications, tests and treatments; we may cover that condition from that point onwards.

What is a pre-existing condition?

A pre-existing condition is defined as one whereby an insured person has:
  • Received treatment or advice;
  • Had symptoms (whether diagnosed or undiagnosed) or;
  • Was aware of symptoms that existed in the five years before taking out the policy.

What does it mean to be ‘clear’?
Clear of symptoms, medications, tests and treatments for this condition – or anything related to it.

When can a person expect to be covered for a pre-existing condition?
A pre-existing condition can be covered after 2 clear consecutive years from the plan start date.
If the issue arises in the first 2 years from the start date; the Moratorium is not satisfied. The 2 year clear period starts again, and once the period has been achieved the condition can be covered from that point on.

What isn’t covered by the moratorium?
Any chronic medical condition (permanent or incurable) a person has when they take out a plan will never be covered (including anything relating to it).

Benefits of moratorium underwriting

  • Less paperwork and hassle – with moratorium underwriting, there’s no need for you to fill out endless forms or undergo a medical examination to take out a policy.
  • Only basic information required – you don’t have to remember your full medical history or risk invalidating your policy by leaving something out.
  • Shorter pre-existing conditions period – only conditions occurred in the last five years are excluded. Fully underwritten policies can often exclude conditions from any time in the past.
  • Subsequent cover for pre-existing conditions – if you have a pre-existing condition that shows no symptoms for two years, then this can subsequently be covered by your private health insurance policy.
  • Diagram of how the moratorium process works


    4 examples of how the moratorium process works

    Example 1
    I had an operation on my right knee recently. Will I be covered for any further treatment to it after my policy starts?

    A straight forward exclusion is applied to any medical condition that you have suffered in the last 5 years. Once you go 2 years from the policy start date free of treatment, medication, tests, consultations or advice for that condition, you will be covered for it should it arise again.

    Example 2
    Sometime after my cover begins, I go to the doctor for a routine visit. A heart condition is diagnosed and it must have started to develop before my policy began. What is the position?

    If symptoms were experienced prior to the policy start date, then this condition will automatically be excluded until you go 2 years free of treatment, medication, tests, consultations or advice. If no symptoms have ever been experienced and the condition is diagnosed after the policy start date, then it will be covered.

    Example 3
    What if I suspect I am suffering from a condition (for example, I have a lump) but have not seen a doctor about it, nor received any firm diagnosis before my cover starts? Will I be covered if I need to have any investigations or treatment for the condition once my policy has started?

    As symptoms were experienced within 5 years prior to the policy start date, you will not be covered for this condition until you go 2 years free of treatment, medication, tests, consultations or advice.

    Example 4
    How do regular check-ups affect the moratorium?

    A medical condition found during any check-up 5 years prior to the start date will automatically be excluded from the policy. Although the condition will be covered once you go 2 years free of treatment, medication, tests or consultations, you must remember that if the condition is found during check-up within those 2 years, the 2 years waiting period starts again. Therefore it is unlikely a reoccurring medical condition is ever likely to be covered under a moratorium basis.

How can I switch my current policy?

Switching your health insurance provider can often result in you benefiting from a better deal. What’s more, it’s a lot easier to do than you might think.

If you are at the stage of reviewing your current private medical insurance policy, here are a few things you should know about the switching process.

How to switch
If you have an existing policy, you can use CPME (Continued Personal Medical Exclusions) underwriting to transfer your private medical insurance over to us on the same individual underwriting terms that were applied by your previous insurer, providing the continuous cover is maintained.

This means that we will aim to provide cover for medical conditions that were covered under your previous policy. However, any medical exclusions or restrictions that were imposed on your private medical insurance cover by your previous insurer will also continue under your cover with us.

Things to look out for when switching

Deceptive premiums
One of the main reasons people tend to switch their private health insurance policy is to find a lower premium. However, if this is the main reason you are looking to switch, it’s crucial you check the terms and conditions beforehand to ensure the new policy offers your required level of benefits.

The policy might be cheaper, but that could be due to the fact it offers less benefits.

Appropriate cover
Double-check that your new policy will cover you for all of the conditions covered by your current policy. There’s nothing worse than calling to make a claim, thinking your treatment is covered, only to find that it isn’t.

This situation is usually avoided by the medical questionnaire you complete as part of CPME Underwriting, but it pays to be cautious so you avoid any unexpected surprises.

Hospital access
Will the new policy give you access to hospitals covered under your previous policy? This is an important question to consider as the last thing you want is to find that your local private hospital isn’t covered, and you have to drive fifty miles out of your way for treatment.

Customer service
How can you be sure that your new private health insurance provider offers good customer service? Are they recognised in the industry? Do they adhere to a certain set of service standards, like the following we uphold at APRIL UK:

  • Full administration support and customer services provided by our Bristol based Head Office.
  • Your call will be answered within 3 rings during business hours, so you are not kept waiting.
  • We do not use machines to answer our calls - just real people!
  • All telephone queries will be resolved on the same day. Where this is not possible, an agreed timescale will be provided.

Customer service is an important factor to consider when you switch because when you use your insurance or ask any questions – you should receive the best service possible.

Find out more
Switching your private health insurance shouldn’t be complicated.
Call us today on 0800 046 9781 to get a free quote and to find out more about our switch criteria.

FAQ

These frequently asked questions apply to both of our private medical insurance plans

How do I make a claim?
Once you have been referred for a consultation or investigation by your GP - call the APRIL UK Claims Team on 0203 819 7159. Our expert claim handlers will talk you through the process and help identify consultants and private hospitals for your care.
What are my excess options?

Our excess options are a great way to make premiums more affordable without impacting the level of cover you receive.

As standard there is no compulsory excess on our private medical insurance plans. However, to reduce your premium, you can choose one of the excess options below:

  • £100
  • £250
  • £500
  • £1,000
This will only be payable once per person per policy year and will offer a generous discount to your premium.
Who can apply?
You must be between the ages of 16 and 74 inclusive and resident in the UK, Isle of Man or Channel Islands. If you are under 16, a parent or guardian may take out a plan for you, on a moratorium or full medical underwriting basis, and pay your premiums. Children under the age of 25 can be covered under a ‘Single Parent’ or ‘Family’ plan.
What's not covered?

These are some of the key exclusions:

  • Chronic conditions
  • Pre-existing conditions which have occurred before joining the plan (unless agreed at time of joining)
  • Routine GP visits
  • Normal pregnancy and childbirth
  • Cosmetic surgery
  • Alcoholism, drug abuse and other addictive conditions
  • Regular renal dialysis
  • Self-inflicted injury
  • Hazardous pursuits and some sports injuries
  • HIV, AIDS and related conditions
  • Some types of dental treatment
  • Preventative treatment
  • Unlicensed drugs
  • Experimental treatment
  • Self-referred treatment
  • Treatment at facilities not owned and run by the Spire Group (this only applies to the inSpire policy)

All Health Cash Benefits are subject to an initial 3-month qualifying period.
Please refer to the Policy Document for a full list of exclusions.

Who underwrites the plans?
Axeria Insurance Limited
Axeria Insurance Limited are a member of the APRIL Group and underwrite our private medical insurance plans. We both share the vision of developing first-class products that offer comprehensive benefits and great value for money.
How does moratorium underwriting work?

Any medical issues you have had in the 5 year period prior to the start date of your plan are classed as pre-existing medical conditions.

These conditions will not be covered at the start date of the plan on a Moratorium. But once you go 2 years (from the start date of the plan) clear of symptoms, medications, tests and treatments; we may cover that condition from that point onwards.

What is a pre-existing condition?

A pre-existing condition is defined as one whereby an insured person has:
  • Received treatment or advice;
  • Had symptoms (whether diagnosed or undiagnosed) or;
  • Was aware of symptoms that existed in the five years before taking out the policy.

What does it mean to be ‘clear’?
Clear of symptoms, medications, tests and treatments for this condition – or anything related to it.

When can a person expect to be covered for a pre-existing condition?
A pre-existing condition can be covered after 2 clear consecutive years from the plan start date.
If the issue arises in the first 2 years from the start date; the Moratorium is not satisfied. The 2 year clear period starts again, and once the period has been achieved the condition can be covered from that point on.

What isn’t covered by the moratorium?
Any chronic medical condition (permanent or incurable) a person has when they take out a plan will never be covered (including anything relating to it).

Benefits of moratorium underwriting

  • Less paperwork and hassle – with moratorium underwriting, there’s no need for you to fill out endless forms or undergo a medical examination to take out a policy.
  • Only basic information required – you don’t have to remember your full medical history or risk invalidating your policy by leaving something out.
  • Shorter pre-existing conditions period – only conditions occurred in the last five years are excluded. Fully underwritten policies can often exclude conditions from any time in the past.
  • Subsequent cover for pre-existing conditions – if you have a pre-existing condition that shows no symptoms for two years, then this can subsequently be covered by your private health insurance policy.
  • Diagram of how the moratorium process works


    4 examples of how the moratorium process works

    Example 1
    I had an operation on my right knee recently. Will I be covered for any further treatment to it after my policy starts?

    A straight forward exclusion is applied to any medical condition that you have suffered in the last 5 years. Once you go 2 years from the policy start date free of treatment, medication, tests, consultations or advice for that condition, you will be covered for it should it arise again.

    Example 2
    Sometime after my cover begins, I go to the doctor for a routine visit. A heart condition is diagnosed and it must have started to develop before my policy began. What is the position?

    If symptoms were experienced prior to the policy start date, then this condition will automatically be excluded until you go 2 years free of treatment, medication, tests, consultations or advice. If no symptoms have ever been experienced and the condition is diagnosed after the policy start date, then it will be covered.

    Example 3
    What if I suspect I am suffering from a condition (for example, I have a lump) but have not seen a doctor about it, nor received any firm diagnosis before my cover starts? Will I be covered if I need to have any investigations or treatment for the condition once my policy has started?

    As symptoms were experienced within 5 years prior to the policy start date, you will not be covered for this condition until you go 2 years free of treatment, medication, tests, consultations or advice.

    Example 4
    How do regular check-ups affect the moratorium?

    A medical condition found during any check-up 5 years prior to the start date will automatically be excluded from the policy. Although the condition will be covered once you go 2 years free of treatment, medication, tests or consultations, you must remember that if the condition is found during check-up within those 2 years, the 2 years waiting period starts again. Therefore it is unlikely a reoccurring medical condition is ever likely to be covered under a moratorium basis.

How can I switch my current policy?

Switching your health insurance provider can often result in you benefiting from a better deal. What’s more, it’s a lot easier to do than you might think.

If you are at the stage of reviewing your current private medical insurance policy, here are a few things you should know about the switching process.

How to switch
If you have an existing policy, you can use CPME (Continued Personal Medical Exclusions) underwriting to transfer your private medical insurance over to us on the same individual underwriting terms that were applied by your previous insurer, providing the continuous cover is maintained.

This means that we will aim to provide cover for medical conditions that were covered under your previous policy. However, any medical exclusions or restrictions that were imposed on your private medical insurance cover by your previous insurer will also continue under your cover with us.

Things to look out for when switching

Deceptive premiums
One of the main reasons people tend to switch their private health insurance policy is to find a lower premium. However, if this is the main reason you are looking to switch, it’s crucial you check the terms and conditions beforehand to ensure the new policy offers your required level of benefits.

The policy might be cheaper, but that could be due to the fact it offers less benefits.

Appropriate cover
Double-check that your new policy will cover you for all of the conditions covered by your current policy. There’s nothing worse than calling to make a claim, thinking your treatment is covered, only to find that it isn’t.

This situation is usually avoided by the medical questionnaire you complete as part of CPME Underwriting, but it pays to be cautious so you avoid any unexpected surprises.

Hospital access
Will the new policy give you access to hospitals covered under your previous policy? This is an important question to consider as the last thing you want is to find that your local private hospital isn’t covered, and you have to drive fifty miles out of your way for treatment.

Customer service
How can you be sure that your new private health insurance provider offers good customer service? Are they recognised in the industry? Do they adhere to a certain set of service standards, like the following we uphold at APRIL UK:

  • Full administration support and customer services provided by our Bristol based Head Office.
  • Your call will be answered within 3 rings during business hours, so you are not kept waiting.
  • We do not use machines to answer our calls - just real people!
  • All telephone queries will be resolved on the same day. Where this is not possible, an agreed timescale will be provided.

Customer service is an important factor to consider when you switch because when you use your insurance or ask any questions – you should receive the best service possible.

Find out more
Switching your private health insurance shouldn’t be complicated.
Call us today on 0800 046 9781 to get a free quote and to find out more about our switch criteria.