A Healthguard plan makes all the difference

The challenges on your monthly income, as well as simply wanting to make sure you are paying for cover that you really need, is important to everyone. That's why the Healthguard plan was developed - it's private medical insurance with common sense!

Affordable premiums

Premiums start from £20 a month and are fixed for five years. They won't increase just because you've claimed, however your premium rate will be re-assessed every five years and may increase if the claims experience across the whole plan is higher than expected.

Choice of cover options gives you flexibility

  • Three levels of cover, £20,000, £30,000 or £40,000 means you can choose a plan which suits your circumstances
  • Term of cover to choose from - either 10 or 20 years
  • Option to include partner and children

You're in control of how the cover is spent

You choose how much of your cover you want to use for your treatments (providing they are in the list of benefits) - so you simply use money from the level of cover you choose.
Please see pages 9-11 of the ‘Your plan explained’ document for full details.

Comprehensive cover

You can claim for the same conditions at every level of cover.

Policy renewal is guaranteed

When your chosen term finishes you are guaranteed to be renewed. You will be asked further medical information and possibly be subject to additional medical exclusions, but cover will continue. However, in fairness to other policyholders a medical loading might be applied, if you are not in good health at the time.

Access to both private and NHS treatment

You can mix and match NHS and private treatment as it suits your condition.

  • Sex
  • Cover for
  • Smoker?