Health Insurance
When you’re worried about your health, every second counts. Health Insurance gives you rapid access to the answers and treatments you need to start feeling more like yourself again.
1 in 4 patients wait 2+ weeks for a GP appointment when booking through the NHS1
Over 750,000 mums helped
What is Health Insurance?
Health Insurance, also known as Private Medical Insurance, helps to provide the assurance that you’ll receive rapid medical support at a time when you need it most. Get access to appointments, tests, results, and specialist treatments fast, so you can get back on the road to recovery.
Why is Health Insurance important?
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Rapid Treatment
When you’re worried about your health, every second counts. Health Insurance can provide you with quick access to specialist medical professionals when you need it the most.
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Flexibility
In most cases, Health Insurance gives you the opportunity to choose the hospital, consultant and appointment slot that suits you.
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Specialist Care
Depending on the type of cover you choose, Health Insurance can help provide access to specialist treatments, cancer drugs and services not available through the NHS.
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Comfort and Privacy
If you are required to stay in hospital for an extended period, Health Insurance usually covers clinics that offer private ensuite rooms, equipped with a TV, and upkept to a high standard.
What Does Health Insurance Cover?
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What’s Usually Covered?
Hospital admission, accommodation, and nursing care costs
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Diagnostic tests like MRIs and CT scans
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Consultancy costs
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Surgery
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Cancer treatments and/or drugs, which may include those not available through the NHS
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Other Possible Options
Outpatient consultations
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Certain complimentary therapies
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Physiotherapy and chiropractor appointments
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Mental health treatments and services
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What’s Not Covered?
Ongoing or pre-existing conditions which pre-date your policy.
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Chronic conditions that require long-term treatment, continue indefinitely, have no known cure, or are likely to return
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Drug or substance abuse
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Cosmetic surgery
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Fertility treatments
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Organ transplants
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999 emergency services or A&E visits
Mums know best
Don’t just take our word for it. Hear from some of the mums just like you who chose to help protect their families’ financial futures with Polly.
Manage your policy from our app
You can now view and access your policy documents in one place, any time, anywhere. Our Polly app helps to make keeping on top of your insurance super simple. Manage your payments, learn about our other products and get in touch at the tap of a button.
Three steps towards protecting your health
- Fill in the form
It’s just a few questions, no confusing financial jargon, and you’ll be done before the kettle’s boiled. Once you’re ready, just hit ‘send’. - Talk to us
Expect a call. Not from a robot, but from a real person who’s here to help you find the right cover for you and your family. - Relax
Let’s be honest, you’re a mum & you’ve got loads on. So we’ll handle the tricky stuff while you get on with your day. Simple, huh?
If you’ve got questions, we’ve got the answers.
If you’ve got questions, we’ve got the answers.
Health Insurance FAQ’s
How much does Health Insurance cost?
The great thing about Health Insurance is that most policies can be flexible to your budget, and many companies will offer ways to help you manage your costs depending on your level of cover, excess, age, and choice of hospitals. And many providers will offer deals that extend to your family, such as your spouse or children.
How does Health Insurance work?
Health Insurance is designed to cover the costs of private medical treatment, either completely or partially (depending on your policy). You will pay a monthly premium, which will vary depending on the level of cover you’re looking for, and the amount of excess you’re willing to pay.
How do I make a Health Insurance claim?
Go to your GP with any concerns relating illness or injury as you normally would, and inform them that you have Health Insurance. Your GP will then refer you to a specialist if appropriate, at which time you should speak with your insurer to check that they’ll cover the treatment. Once approved, you can progress with the claim for private investigation and/or treatment, and in most cases your insurer will cover the costs directly.
Can I claim on my Health Insurance while I’m abroad?
Unfortunately not, UK Health Insurance doesn’t work like travel insurance, so it won’t cover treatment overseas.
References & Conditions
[1] https://www.theguardian.com/society/2024/jan/22/patients-england-waiting-times-gp-appointments-nhs-figures