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If you’ve struggled to see a doctor or get medical treatment in recent months, you’ll have personal experience of the huge pressure the NHS is under.
It’s therefore perhaps unsurprising that a growing number of people are turning to private medical insurance to ensure they get the treatment they need, without facing potentially lengthy delays. According to LaingBuisson’s latest report into the UK health cover market, in total, 4.68m people were signed up to private medical cover (health insurance) schemes last year, up around 279,000 compared to 2022. Two-thirds of private medical cover is funded by employers as an employee benefit, with the remaining third paid for by individual policyholders.
Worried about accessing the NHS care you need?
83% of Rest Less members are worried about accessing the healthcare they need on the NHS#, making fast access to treatment more important than ever.
HMCA private medical cover offers affordable, flexible plans, with 90% of members saving money when they switch. Enjoy peace of mind. Join today and get £150 off your subscription.
#Data from over 1,000 Rest Less members surveyed in 2025
^Data from HMCA members who joined between 01/01/25 and 30/06/25
As well as usually enabling you to receive treatment much more quickly than you would under the NHS, having insurance means you’ll also benefit from private hospital care, and you won’t need to join a waiting list for specialist referrals. Read more in our article What does private health insurance cover?
However, there are several other benefits to private medical insurance that you might not be aware of, which we explain here.
Contents
- You can get cover for the whole family
- You may be able to access drugs and treatments that aren’t available on the NHS
- You can usually access online appointments
- You may be covered for dental and optician appointments
- You could get counselling as part of your policy
- You might be eligible for gym discounts and other perks
- Where to buy private medical insurance
1. You can get cover for the whole family
Many private health insurance providers offer family policies that will cover medical treatment for every family member. Depending on your needs, these policies may include your spouse, children and even extended family members. Buying a single policy that covers your entire family can make the process of buying private medical insurance simpler, and is often more cost-effective than taking out individual plans for each member.
If you’re an unmarried couple, you may be able to take out a joint couple health insurance policy that could cost much less than paying for two individual plans. As long as you live at the same address, this type of policy is offered by many of the major providers.
However, private medical insurance premiums can be expensive, and the cost will rise as you get older. For example, a typical premium for two adults in their 50s with two children could set you back as much as £4,000 or more per year, depending on which provider you go to and the level of cover chosen. This means cover may be unaffordable for many people, especially given the current cost of living crisis.
2. You may be able to access drugs and treatments that aren’t available on the NHS
One of the benefits of private medical insurance is that treatments and drugs could be available through your policy that aren’t available on the NHS. Some treatments may only be offered via private healthcare providers.
Even when the National Institute for Clinical Excellence (NICE) has recommended that the NHS starts using a particular treatment, it can take a long time to become available because of the cost of buying new equipment, for example, or training staff. It may be that the drug is offered in private hospitals before this stage has been completed by the NHS.
Worried about accessing the NHS care you need?
83% of Rest Less members are worried about accessing the healthcare they need on the NHS#, making fast access to treatment more important than ever.
HMCA private medical cover offers affordable, flexible plans, with 90% of members saving money when they switch. Enjoy peace of mind. Join today and get £150 off your subscription.
#Data from over 1,000 Rest Less members surveyed in 2025
^Data from HMCA members who joined between 01/01/25 and 30/06/25
3. You can usually access online appointments
If you have private medical insurance, you’ll usually be able to arrange to see a doctor through an online appointment, at a time that suits you. This means any health issues are likely to be addressed more quickly than through the NHS, and if you’re busy, you won’t have to travel to see the doctor in person.
Many private health insurance policies provide online appointments to speed up the process of speaking to a doctor and, if necessary, getting a specialist referral. You can typically speak to a GP or a specialist through a video call or on the phone if this suits you better.
4. You may be covered for dental and optician appointments
There are all kinds of extras that may be included in a private medical insurance policy. For example, depending on which policy you choose, you may get cover for routine dental and optical treatment. This could potentially provide hundreds of pounds towards the cost of glasses or contact lenses, for example, or emergency dental treatment.
Often this cover may be offered as an optional extra under your private health insurance policy, but it’ll usually be cheaper than taking out a standalone dental policy, for example. You can learn more about insurance specifically for dental treatment in our article Do I need dental insurance?
5. You could get counselling as part of your policy
If you develop a mental health problem after taking out your policy, you may be able to make a claim on your cover for the cost of outpatient mental health treatment, such as counselling or psychiatric help.
This includes treatment for conditions such as anxiety, depression, and eating disorders, which are increasingly being covered by private medical insurance.
You’ll need to check your policy carefully to see what is and isn’t included. You may, for example, find that only a certain number of outpatient therapy sessions are covered by your policy. However, your insurer may provide its own counselling helpline, giving you the chance to talk to a trained counsellor about anything that’s making life a struggle. Depending on your provider, you may have to pay extra for in-patient and day-patient care for mental health issues.
Worried about accessing the NHS care you need?
83% of Rest Less members are worried about accessing the healthcare they need on the NHS#, making fast access to treatment more important than ever.
HMCA private medical cover offers affordable, flexible plans, with 90% of members saving money when they switch. Enjoy peace of mind. Join today and get £150 off your subscription.
#Data from over 1,000 Rest Less members surveyed in 2025
^Data from HMCA members who joined between 01/01/25 and 30/06/25
6. You might be eligible for gym discounts and other perks
Some private medical insurance providers offer a range of perks, such as discounts on gym membership, when you take out cover through them.
Vitality is perhaps one of the best-known providers for offering insurance perks. For example, it offers rewards for living a healthier life, such as up to 50% off gym memberships, free Amazon Prime membership, and 50% off trainers at Runners Need. You earn Vitality points to put towards rewards through regular activity.
However, plenty of other providers also provide generous discounts, so it’s worth comparing several different policies before buying to make sure you find the best one to suit your needs.
Where to buy private medical insurance
You can buy private medical insurance from a health insurance provider directly, or go to an insurance broker who will help you to find the right cover to suit your needs. Read more in our article Do I need private medical insurance? If you’re not sure which policy to go for, or have specific requirements, it may be a good idea to seek professional advice to find the right policy for you.
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* Links with an * by them are affiliate links which help Rest Less stay free to use as they can result in a payment or benefit to us. You can read more on how we make money here.
Worried about accessing the NHS care you need?
83% of Rest Less members are worried about accessing the healthcare they need on the NHS#, making fast access to treatment more important than ever.
HMCA private medical cover offers affordable, flexible plans, with 90% of members saving money when they switch. Enjoy peace of mind. Join today and get £150 off your subscription.
#Data from over 1,000 Rest Less members surveyed in 2025
^Data from HMCA members who joined between 01/01/25 and 30/06/25
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