It pays for private treatment for any health conditions you develop after you take out the policy. This includes UK treatment you cannot get for free on the NHS.

Each insurer has different rules on what they can pay out for. This means you need to work out what symptoms and types of treatment you need to cover before you apply.

Comprehensive insurance usually includes cover for a much wider range of conditions and treatments than their other policies.

What does comprehensive health insurance cover?

Basic health insurance policies are usually cheaper but often only pay out for inpatient treatment, which is when you need to stay in a hospital bed for treatment or tests.

Comprehensive medical insurance policies usually cost more but cover you as an outpatient too.

This includes treatment, consultations with specialists and tests that do not need you to stay in hospital overnight.

They can also pay out for a wider range of sicknesses and injuries and offer cover for things like:

  • Treatment for cancer, e.g. chemotherapy

  • Access to a private room if you stay in a hospital

  • Optical and dental care

  • Physiotherapy

  • Psychiatric care

  • Alternative therapies, e.g. acupuncture

What is not included?

Each company's comprehensive policies have different rules on what private healthcare they pay out for and what is excluded.

Some comprehensive providers include cover for non-standard treatments, but others charge a higher premium if you add them as extras.

Find comprehensive health insurance

Work out what treatment types and symptoms you need your policy to cover.

You can then find a complete health insurance policy online by using our broker, who can get you quotes and offer advice on choosing the best policy.

Once you have several quotes, check they offer the cover you need and choose the one with the lowest monthly price.