Health Insurance
Expect nothing less than specialist health insurance delivered by industry experts.
Why choose Howden Life & Health for your Health Insurance?
Howden is the new name for A-Plan. When you ask a broker like Howden to help find you the right health insurance, you can expect to be provided with a tailored and personalised service. This is a very different experience to what you'd expect from a typical comparison website.
Here at Howden Life & Health, we have access to the largest panel of life and health insurers in the UK, and great relationships with them to ensure find you the right policy for your needs, and take the hassle out of health insurance.
Benefits of working with Howden Life & Health:
- You can trust us – we’re rated Excellent on Trustpilot
- Personal service from professionally qualified advisors
- An outstanding FCA compliance record
- Competitive solutions to for all budgets and affordability
- Supported by the largest panel of Life & Health insurers in the UK
- Knowledge of underwriting and medical conditions
Howden Life & Health Limited is authorised and regulated by the Financial Conduct Authority No. 176392. Registered in England and Wales under company registration number 3040737. Office address: Howden Life & Health, Ageas House, The Square, Gloucester Business Park, Brockworth, Gloucester, GL3 4ZP. Registered Office: 1 Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.
Why use a Health Insurance broker?
When you come to an insurance broker like Howden for help with your health insurance you can expect to be provided with a tailored and personalised service, different from you might expect from a typical insurance comparison website.
Brokers specialise in navigating the complex world of health insurance and have in-depth knowledge of different insurance plans and health cover options. They have access to those options too, as we benefit from the cooperative relationships we have with multiple insurance companies providing a wide range of health insurance plans.
Together, a tailored, personal service from industry experts and professionals backed by selected specialist insurers sums up the benefit of going to an insurance broker for your health insurance.
More about Health Insurance
What is Health Insurance?
Health insurance, which is also widely known more specifically as private medical insurance or private health insurance, is simply a form of insurance which helps individuals and families pay for medical expenses they incur. From diagnosis to treatment, a health insurance policy can cover some of the costs involved with the entire process.
Is Private Health Insurance worth it?
Whether private health insurance is worth it or not depends entirely on your personal circumstances and preferences. In the UK, the NHS provides a wide range of medical services and a healthcare coverage that is free at the point of service, and if you’re satisfied with the quality and accessibility of NHS services, you may not feel the need for private health insurance.
However, private health insurance can offer faster access to certain specialists, treatments, and diagnostic tests. It may be beneficial if you desire more control over the timing of your medical care or seek access to specific treatments or specialists not readily available through the NHS.
It can also provide additional benefits such as private rooms, shorter waiting times, and greater flexibility in choosing appointments, which are important factors for some individuals. These do come at a cost though, and premiums tend to increase with age, which is worth bearing in mind when you take into account your budget and healthcare needs.
Types of Health Insurance
Not all health insurance policies are the same, and rightly so. Every policyholder is different, so to have different types of health insurance available is important for us.
Below are the different types of health insurance that you could explore:
Standard individual Health Insurance
Helping you receive treatments quickly whilst avoiding NHS waiting times.
Family Health Insurance
Rather than fork out for one policy for each member of your family, why not go for one policy that covers your whole family?
Joint Health Insurance
Similar to family health insurance, but designed for couples, so you and your partner are covered under one policy.
Child Health Insurance
Have peace of mind knowing that if your child needs medical attention quickly, you have a policy there to reassure you.
Be aware that not all insurers will offer the same types of insurance so be sure to contact your provider or broker to find out exactly what policies are available for you to find out more about.
How much is Howden Life & Health’s Private Health Insurance?
Unfortunately, it's impossible to tell you exactly how much your health insurance will cost without finding out more about you first. This is because insurers calculate their premiums depending on various factors related to you and what you’re looking for from health insurance.
Generally, these factors include:
- Your age
- Where you live
- The level or type of cover you’re after
- Your excess level
- Your lifestyle
Who Howden Life & Health work with
The great relationships we have with a wide range of trusted health insurers allows us to provide a service to anyone who comes to us needing support.
The years of experience our Life & Health team has working in this industry has meant that we continue to be rated highly by our clients.
Accident, Sickness & Unemployment Insurance
Keep yourself covered whilst out of work
When you’re unable to work, get help to pay monthly bills until you’re back on your feet with accident, sickness, and unemployment insurance.
Mortgage Insurance
Mortgage insurance that has your back
Be ready for the unexpected and protect your mortgage payments with insurance that suits you.
Income Protection Insurance
Get protection against unexpected gaps in income
Here to help protect you against unexpected gaps in income due to illness or injury.