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Health insurance cover options

Health For You, Personal Health and inSpire are health insurance packages for you and your family. All of our policies are tailored to give you peace of mind, by ensuring that you have the right protection in place. You’re able to personalise your policy with a range of cover options, all of which can be chosen to suit your budget while retaining the best standard of care.

Cover Options

What isn't covered?

Misunderstanding what is and isn't covered by private health insurance cover is more common than you might think! The last thing anyone wants is to make a claim, only to find out that you won't be covered. While this sometimes can't be avoided, we like to be as upfront as possible about the extent of your policy.

Our policies cover you for treatment of new medical conditions that you get after you join. It doesn't generally cover you for treatment of medical conditions that existed or that you had symptoms of before joining. Other treatment excluded is normal healthy pregnancy, conditions arising from professional sport, and any experimental procedures. 

Manage Your Policy Online

Many of our customers choose to manage their policy through our online portal, Customer Online and with easy access to all key documents and a secure messaging service, it’s easy to see why.

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Dedicated 24/7 Helpline

Health-at-Hand is our free dedicated helpline that's available to all our members, 24 hours a day, 365 days a year.

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PureGym 50% Discount

We’ve partnered with national gym network, PureGym, whose facilities are specifically designed for the modern lifestyle. They are open 365 days a year, 24/7 to help you access fitness at a time that suits you. When you take out a health insurance policy with us, you’ll also be entitled to 50% off of a membership.

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Refer a friend and receive a £100 M&S Gift Card

If you are a member of Health-on-Line and want to recommend us to one of your friends we'll also reward you, and your friend, with a £100 M&S Gift Card, each. All you have to do is speak to your Personal Account Manager, provide them with the contact details of your friend or friends and we'll take care of the rest. 

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Live Feefo Feed

Live Feefo Feed

  • Good Value with AXA ppp backup

    “Very pleasant to deal with and followed up on exact date he said”

  • Helpful,patent,understanding,

    “The service over the phone was excellent all questions answered in a simple and straight forward language My experience was excellent i have already recommended to family and friends My contact over the phone Mr John Perkins was very patent and understanding which helped”

  • Excellent service

    “First rate service, I would recommend to friends”

  • Great service, good deal :)

    “I felt listened to and advised in the right direction. I felt heard when I went for the cheaper option due to my circumstances of raising three Children. Jack was very friendly and I’m happy with my cover”

  • Brilliant staff

    “Amazing very friendly helpful explained everything in detail even synthetic towards me about the care me and my children received from the NHS”

  • Continuity and clarity

    “I was impressed by the fact that the same person who contacted me last year did so again this year - normally you would get anyone at a call centre with no continuity. Joe Mills took great care in explaining my options”