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Health insurance
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Health insurance cover options

Health For You, Personal Health and PHC 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

Over 70 percent 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

  • Very happy with service.

    “Excellent service, very patient with answering my questions.”

  • Friendly, helpful concise

    “Friendly, flexible, very helpful, personalised - not just reading from a script, chatty and normal. It equals great info & customer service.”

  • I have had private medical care since 2004 through Saga but with Axa PPP.

    “Since 2004 it has steadily increased in price. Now retired I wanted to find the same cover, at a cheaper price. Tyler was most helpful and after discussing my needs we found the same insurer but £100 cheaper and without having to pay an excess of £250 on each claim. Fabulous result. Thank you Tyler”

  • Informative advisor.

    “I was probably lucky to have a sales advisor that I connected with.”

  • Excellent value very honest

    “Excellent and informative”

  • Good

    “Good”