UK Private Health Insurance for NHS Delays

Facing NHS Delays in Your UK Region? Discover Which Private Health Insurers Guarantee Faster, Elite Care for Your Sport and Career Needs.

NHS Delays & Your UK Region Which PHI Insurers Guarantee Faster Elite Sport & Career Care

The backbone of British healthcare, the NHS, faces unprecedented strain. Record-breaking waiting lists, increasing demand, and a complex array of regional variations mean that timely access to care, particularly for non-emergency conditions, has become a significant challenge. For the general public, this can translate into discomfort, prolonged illness, and anxiety. But for a specific segment of the population – elite athletes, performers, and professionals whose careers are intrinsically linked to their physical and mental health – these delays can be catastrophic, leading to lost income, career stagnation, and competitive disadvantage.

This comprehensive guide delves into the current state of NHS delays across the UK, explores how these delays impact career-critical individuals, and, crucially, outlines how private health insurance (PHI) offers a vital, accelerated pathway to diagnosis and treatment. We will examine the nuances of PHI, distinguishing its coverage from common misconceptions, and highlight how certain insurers and their regional networks are better equipped to serve those requiring rapid, high-quality care to protect their livelihoods.

Understanding the Crisis: NHS Delays and Their Profound Impact

The National Health Service, a source of immense pride, is currently grappling with a crisis of capacity. Waiting lists for routine and elective treatments have swollen to record levels, a situation exacerbated by the COVID-19 pandemic, but rooted in deeper, systemic issues.

The Unprecedented Scale of NHS Waiting Lists

As of April 2024, the NHS England waiting list for routine hospital treatment stood at over 7.5 million people, with some individuals waiting significantly longer than the targeted 18 weeks. Data from NHS England's Referral to Treatment (RTT) pathways highlight the sheer volume:

• Total people waiting: Over 7.5 million, representing about one in eight of the English population.
• Patients waiting over 52 weeks: Hundreds of thousands of patients are still enduring waits exceeding a year for vital treatments.
• Key specialties affected: Orthopaedics (hips, knees), ophthalmology (cataracts), general surgery, and ear, nose, and throat (ENT) procedures consistently show the longest queues.

The King's Fund, a leading independent health think tank, consistently reports on these trends, noting that "the NHS faces a significant and sustained challenge to reduce waiting lists, requiring not just increased funding but also substantial workforce and operational reforms." The British Medical Association (BMA) further reinforces this, pointing to chronic understaffing and inadequate bed capacity as fundamental drivers of delay.

Regional Disparities: A Postcode Lottery of Care

One of the most insidious aspects of the NHS crisis is the significant regional variation in waiting times. Where you live in the UK can dramatically influence how quickly you receive care. Integrated Care Boards (ICBs) across England, and their equivalents in Scotland, Wales, and Northern Ireland, report vastly different performance metrics.

For example, a patient awaiting hip surgery in one region might face a wait of 12 months, while a patient in another region could wait 18 months or more for the exact same procedure. These disparities are influenced by:

• Local demand: Population density, age demographics, and local health needs.
• Hospital capacity: Number of beds, operating theatres, and specialist staff.
• Funding allocation: Historical and current resource distribution.
• Efficiency of local trusts: Management practices and innovative solutions employed by local NHS trusts.

Table: Illustrative Average NHS Waiting Times (Weeks) for Orthopaedic Consultations by UK Region (as of early 2024 - illustrative data based on reported trends)

Note: These figures are illustrative and reflect general trends of regional variation observed in NHS data. Actual waiting times can vary significantly by specific condition, hospital, and individual patient circumstances.

The Devastating Impact on Elite Sports and Career-Critical Individuals

For the average person, waiting for treatment is profoundly frustrating. For an elite athlete, a professional dancer, a musician, a highly skilled surgeon, or any individual whose livelihood depends on peak physical condition and rapid recovery, these delays are not just an inconvenience; they are a direct threat to their career.

• Loss of Income: Every day spent waiting is a day not earning, or earning at a diminished capacity. A professional footballer with a knee injury, a classical musician with carpal tunnel syndrome, or a pilot with a problematic cataract cannot simply wait 12-18 months for surgery without severe financial repercussions.
• Career Stagnation/End: Prolonged injury or illness can mean missing crucial seasons, losing sponsorship deals, or being unable to take on critical projects. For some, it can mean the premature end of a promising career.
• Competitive Disadvantage: In highly competitive fields like professional sport, even a slight delay in diagnosis or an extended recovery period can mean losing ground to rivals, impacting selection, contracts, and future prospects.
• Mental and Emotional Toll: The anxiety of an uncertain future, coupled with physical pain and the inability to perform, can lead to significant mental health challenges, including depression and anxiety, further hindering recovery.
• Irreversible Damage: In some cases, a delay in treatment can lead to a condition worsening, potentially causing permanent damage or making a full recovery impossible. For example, delaying treatment for certain joint injuries can lead to irreversible degenerative changes.

This is where the strategic value of private health insurance becomes strikingly clear. It’s not just about comfort; it's about career preservation and maintaining one's very ability to earn a living.

The Role of Private Health Insurance (PHI): A Strategic Solution

Private Health Insurance (PHI), also often referred to as Private Medical Insurance (PMI), serves as a crucial complement to the NHS. It offers an alternative pathway to care, primarily focused on providing rapid access to diagnosis and treatment for acute conditions.

What is PHI? Core Benefits and Purpose

PHI is an insurance policy that pays for the costs of private healthcare treatment. It allows you to bypass NHS waiting lists for certain conditions, offering:

• Faster Access: Significantly reduced waiting times for consultations, diagnostics (MRI, CT scans, X-rays), and surgery.
• Choice of Care: The ability to choose your consultant, specialist, and often the private hospital or clinic where you receive treatment.
• Comfort and Privacy: Treatment in private hospitals often includes en-suite rooms, flexible visiting hours, and a generally more comfortable and quiet environment conducive to recovery.
• Access to Specific Treatments: In some cases, PHI may cover access to drugs or treatments not yet widely available on the NHS, though this is less common for standard policies and often comes with higher-tier plans.

CRUCIAL DISTINCTION: Acute vs. Chronic and Pre-existing Conditions

This is perhaps the most fundamental point to understand about private health insurance in the UK, and it is a non-negotiable aspect of how policies are structured:

Standard UK private health insurance DOES NOT cover chronic or pre-existing conditions.

Let's break this down with absolute clarity:

1. Acute Conditions: These are sudden, short-term illnesses or injuries that are treatable and will eventually resolve, returning you to a state of health. Examples include a broken bone, appendicitis, a cataract, or a torn ligament. PHI is designed to cover the diagnosis and treatment of such conditions that arise after your policy has begun.

2. Chronic Conditions: These are long-term, ongoing medical conditions that cannot be cured but can be managed. They typically require ongoing monitoring, medication, or therapy over a long period. Examples include:

   • Diabetes
   • Asthma
   • High blood pressure
   • Epilepsy
   • Arthritis (degenerative, long-term)
   • Most mental health conditions (though some PHI policies may offer limited, acute mental health treatment as an add-on, not ongoing management)

   If a condition is chronic, standard PHI will NOT cover its ongoing management or treatment. This is a critical distinction. The NHS remains the primary provider for chronic disease management.

3. Pre-existing Conditions: These are any medical conditions (whether acute or chronic) that you have experienced, received treatment for, or had symptoms of before you take out your private health insurance policy.

   Standard PHI policies will NOT cover any pre-existing conditions. This is true regardless of whether the condition is acute or chronic. Insurers use underwriting processes to determine what conditions are pre-existing and therefore excluded from coverage.

   • Example: If you had knee pain and saw a physio for it a year before taking out PHI, and then you develop a torn meniscus in the same knee after your policy starts, the insurer may classify the new injury as related to a pre-existing condition and exclude it.

   This means PHI is primarily for new, acute conditions that develop after your policy begins. It complements the NHS, which continues to provide care for chronic and pre-existing conditions, as well as emergencies.

How PHI Works for Acute Needs and Career Preservation

Once an acute condition arises after your policy inception, the process to access private care is typically swift:

1. GP Referral: You generally need to see your NHS GP first to get an initial diagnosis and a referral to a specialist. Some policies offer a 'direct access' option for certain specialists without a GP referral, but this is less common.
2. Contact Insurer: You or your GP contacts your PHI provider to pre-authorise the consultation and subsequent treatment.
3. Specialist Consultation: You can then book an appointment with a private specialist, often within days.
4. Diagnostics: If further tests (MRI, X-ray, blood tests) are needed, these are typically arranged quickly, often on the same day or within a few days.
5. Treatment: Once a diagnosis is made and treatment plan approved, surgical procedures or other interventions can be scheduled rapidly, often within a week or two, in stark contrast to potential months or years on the NHS waiting list.

For elite athletes and career-critical individuals, this rapid pathway is invaluable. A sports injury that might otherwise sideline a performer for a year could be diagnosed, surgically corrected, and put on an accelerated rehabilitation track within weeks or a few months, significantly reducing career disruption.

Tailored PHI for Elite Sport & Career Care

While standard PHi offers general benefits, certain features and considerations become paramount for those whose professional lives depend on their physical wellbeing.

Specialised Benefits for Performance-Critical Individuals

Leading PHI providers understand the unique needs of athletes and professionals, offering features that go beyond basic medical care:

• Rapid Access to Advanced Diagnostics: Time is of the essence. Policies designed for performance-critical individuals often prioritise immediate access to high-resolution MRI scans, CT scans, and other advanced imaging, crucial for precise injury diagnosis.
• Choice of Orthopaedic & Sports Medicine Specialists: Access to top-tier orthopaedic surgeons, sports injury consultants, and physios with specific expertise in complex musculoskeletal issues, often those who work with professional sports teams.
• Fast-Track Physiotherapy & Rehabilitation: Comprehensive post-operative or post-injury rehabilitation is vital. PHI can cover intensive, one-on-one physiotherapy sessions, hydrotherapy, and access to state-of-the-art rehab facilities, ensuring a quicker and more complete return to form.
• Access to Advanced Treatments: Coverage for innovative surgical techniques, biologics (where appropriate and approved), and other cutting-edge therapies that might not be routinely available on the NHS.
• Mental Health Support: Recognising the immense pressure and psychological impact of injury or career threats, many insurers offer robust mental health support, including access to sports psychologists, therapists, and counsellors.
• No Waiting Periods for Certain Acute Injuries: While general waiting periods apply, some policies may offer immediate cover for accidental injuries (provided they are acute and new).

Underwriting Types: Impact on Speed and Disclosure

How your policy is underwritten significantly affects how pre-existing conditions are handled and the speed of claims.

• Full Medical Underwriting (FMU): You provide a detailed medical history at the outset. The insurer reviews this and may request further information from your GP. They then list any conditions that will be excluded. This provides clarity from day one, which can be beneficial for career planning.
• Moratorium Underwriting: You don't declare your full medical history upfront. Instead, the insurer won't cover any conditions that you've had symptoms of, received treatment for, or taken medication for in a specified period (e.g., the last 5 years) before the policy starts. If you remain symptom-free and don't require treatment for one of these conditions for a continuous period (e.g., 2 years) after taking out the policy, it may then become covered. This can be faster to set up initially but can lead to uncertainty when making a claim.
• Continued Personal Medical Exclusions (CPME): If you're switching from an existing PHI policy, this allows you to maintain the exclusions from your previous policy, avoiding new moratorium periods.

For someone whose career depends on their health, FMU often offers the greatest peace of mind, as you know exactly what is and isn't covered from the start.

No-Claims Discount (NCD) & Factors Affecting Premiums

Like car insurance, many PHI policies offer a No-Claims Discount, which rewards you for not making a claim. This can significantly reduce your premium in subsequent years. However, claiming will reduce your NCD and increase your premium at renewal.

Premiums are also influenced by:

• Age: Generally, the older you are, the higher the premium.
• Location: Costs vary depending on private hospital charges in your region. London, for instance, is typically more expensive.
• Chosen Cover Level: The more comprehensive the cover, the higher the premium.
• Excess: A voluntary excess (the amount you pay towards a claim) can reduce your premium.
• Lifestyle: Some insurers, like Vitality, factor in healthy living choices.

Navigating Regional PHI Provider Landscapes

The UK private healthcare market is robust, with several major insurers offering a range of policies. However, their networks of hospitals, specialists, and their strengths can vary regionally, making it crucial to choose an insurer with strong local provision.

Key UK PHI Insurers and Their General Strengths

The UK private health insurance market is dominated by a few large players, alongside some specialist and mutual providers.

Table: Major UK Private Health Insurance Providers & Their General Focus

Provider Networks and Regional Coverage

The crucial element for career-critical individuals is the provider network. This refers to the specific private hospitals, clinics, and consultants that an insurer has agreements with.

• Geographic Density: Some insurers have a denser network in certain regions. Bupa, for example, has its own hospitals strategically located, giving it a strong physical presence. Other insurers rely heavily on partnerships with independent hospital groups like Spire Healthcare, Nuffield Health, and BMI Healthcare.
• Specialist Availability: For orthopaedic issues, sports injuries, or specific surgical expertise, you need an insurer whose network includes leading specialists in those fields in your region. For instance, London has a very high concentration of elite sports medicine clinics, which almost all major insurers will partner with. Rural areas might have fewer options.
• Choosing the Right Network: It's vital to check an insurer's hospital list against your primary location and any other locations you frequently reside or train in. If you're a professional athlete who travels frequently for competitions, a national network with broad coverage is essential.

How WeCovr Can Help with Regional Navigation

This is where expert guidance becomes invaluable. At WeCovr, we work with all major UK private health insurers. Our role is to understand your unique needs, including your specific region, potential travel, and career-critical health requirements. We can:

• Map Insurer Networks: We have in-depth knowledge of which insurers have strong hospital and specialist networks in your particular UK region.
• Compare Policy Features: We can identify which policies offer the most robust benefits for elite sport and career care, such as high outpatient limits for physio, advanced diagnostic coverage, and access to top specialists.
• Tailor Solutions: We help you compare plans from Bupa, AXA Health, Vitality, Aviva, WPA, and others, ensuring the chosen policy aligns perfectly with your regional access needs and career demands. We help cut through the jargon and find the best fit for you.

Regional Case Studies: NHS Delays vs. PHI Accessibility

Let's look at a few hypothetical, yet realistic, scenarios across different UK regions to illustrate the disparity and how PHI can bridge the gap.

Case Study 1: South West England (e.g., Devon)

• NHS Situation: The South West consistently faces some of the longest NHS waiting lists, particularly for orthopaedic procedures, partly due to an older demographic and geographical challenges. Waiting times for hip and knee replacements can exceed 70-75 weeks. A professional surfer from Cornwall with a recurrent shoulder instability might face a devastating wait for diagnostic imaging and subsequent surgery.
• PHI Accessibility: Major insurers like Bupa, AXA Health, and Nuffield Health (which partners with many insurers) have private hospitals in Exeter, Plymouth, and Bristol. An individual with PHI could typically see an orthopaedic shoulder specialist within a week, undergo an MRI within days, and if surgery is required, it could be scheduled within 2-4 weeks. Intensive physiotherapy and hydrotherapy facilities would also be readily accessible.
• Benefit for Career: The surfer could potentially be back in the water within 3-6 months, rather than having their career on hold for well over a year.

Case Study 2: North West England (e.g., Greater Manchester)

• NHS Situation: While Manchester has large NHS trusts, high population density and demand still lead to significant waiting lists. For instance, a professional musician in Manchester experiencing carpal tunnel syndrome, vital for their dexterity, could face waits of 6-9 months for diagnosis and potentially over a year for surgery.
• PHI Accessibility: Greater Manchester boasts a strong private healthcare infrastructure with multiple Spire, Nuffield, and BMI hospitals, along with Bupa and AXA Health facilities. A musician with PHI could access a hand and wrist specialist quickly, get nerve conduction studies swiftly, and have corrective surgery within weeks. Post-operative hand therapy, crucial for musicians, would also be covered.
• Benefit for Career: This swift intervention could allow the musician to preserve their income, maintain their performance schedule, and avoid potentially irreversible nerve damage that could end their career.

Case Study 3: Scotland (e.g., Glasgow/Edinburgh)

• NHS Situation: Scotland's NHS (NHS Scotland) also faces considerable pressures, with waiting lists for elective procedures running into many months. An elite dancer in Glasgow with a hip impingement issue could see their career threatened by a typical 9-12 month wait for specialist consultation and diagnosis, let alone surgery.
• PHI Accessibility: Glasgow and Edinburgh have well-established private hospitals like Ross Hall (BMI), Nuffield Health, and Spire Healthcare, all accessible via major PHI providers. The dancer could see a specialist hip surgeon with a sports injury background, get detailed scans, and undergo arthroscopic surgery within weeks. Comprehensive rehabilitation programmes would follow, tailored to a dancer's specific needs.
• Benefit for Career: The dancer's ability to return to training and performance would be dramatically accelerated, safeguarding their physical condition and professional commitments.

The Process of Getting PHI for Career & Sport

Acquiring the right private health insurance policy is a structured process that benefits greatly from expert guidance.

1. Initial Consultation and Needs Assessment

Your journey begins by identifying your specific needs. This isn't a one-size-fits-all product. For career-critical individuals, key considerations include:

• Level of Coverage: Do you need basic inpatient cover, or comprehensive outpatient, diagnostics, and mental health support? For sports injuries, higher outpatient limits for physio and diagnostics are often crucial.
• Geographic Reach: Do you need cover only in your primary UK region, or do you travel frequently and require broader access across the UK?
• Specific Specialisms: Are there particular types of specialists (e.g., orthopaedic surgeons for shoulders/knees, hand specialists, sports psychologists) that are particularly important for your field?
• Budget: What is your realistic monthly or annual budget for premiums?

This is where an expert insurance broker like WeCovr excels. We take the time to understand your unique circumstances, including your profession, the demands it places on your body, and any specific concerns you might have.

2. Comparison and Tailoring

Once your needs are assessed, the next step is to compare policies from various insurers. This can be a complex task, as policies differ significantly in their:

• Benefit Limits: How much will they pay for outpatient consultations, diagnostics, physiotherapy, or mental health?
• Hospital Lists: Which private hospitals can you access?
• Excess Options: How much are you willing to pay towards a claim?
• Underwriting Method: Moratorium vs. Full Medical Underwriting.
• Add-ons: Dental, optical, travel cover, or specific wellbeing programmes.

At WeCovr, we use our comprehensive market knowledge to present you with a tailored selection of policies that best meet your criteria. We highlight the pros and cons of each, explain the jargon, and ensure you understand exactly what you're buying. We can often negotiate better terms or provide access to policies not readily available to the general public.

3. Application and Underwriting

Once you've chosen a policy, the application process begins. Depending on the underwriting method, this might involve:

• Completing a Medical Questionnaire: For Full Medical Underwriting, you'll need to provide details of your past medical history.
• Insurer Review: The insurer will assess your application. They may contact your GP for further medical reports, particularly if you have a complex history.
• Policy Issuance: If approved, the policy will be issued, clearly outlining any specific exclusions (e.g., for pre-existing conditions).

Remember, this is the stage where the clarity around acute vs. chronic and pre-existing conditions becomes paramount. Any conditions you've had before applying will typically be excluded from your policy.

4. Making a Claim

Should you need to use your policy, the process generally follows these steps:

1. GP Referral: For most conditions, your NHS GP will refer you to a private specialist.
2. Pre-authorisation: Contact your insurer before any appointments or treatments to get pre-authorisation. This confirms that your treatment is covered under your policy terms.
3. Treatment: Attend your private consultations, diagnostics, or receive your treatment. The insurer usually pays the hospital or consultant directly, minus any excess you need to pay.
4. Follow-up: Follow any post-treatment guidance and rehabilitation plans.

The efficiency of this claims process is a major advantage for career-critical individuals. Instead of weeks or months of waiting, you can often be seen by a specialist within days and receive necessary treatment within a few weeks.

Cost-Benefit Analysis: Is PHI Worth It for Your Career?

Private health insurance is an investment, and like any investment, it's crucial to weigh the costs against the potential benefits, especially when your career is on the line.

Factors Influencing Cost

The premium you pay for PHI is highly individualised, based on:

• Age: Premiums increase with age.
• Location: Private healthcare costs are higher in areas like London.
• Level of Cover: Comprehensive plans are more expensive than basic inpatient-only plans.
• Excess: A higher excess reduces your premium.
• Underwriting Method: Full Medical Underwriting might be slightly more expensive initially but offers more certainty.
• Lifestyle: Some insurers offer discounts for healthy habits.
• No-Claims Discount: Accumulated NCD can significantly lower premiums over time.

For an individual, premiums can range from £30-£40 per month for basic cover to over £100-£200 per month for comprehensive plans, particularly for older individuals or those in high-cost areas.

The Value Proposition: Mitigating Career Risk

For elite athletes and professionals, the cost of PHI should be viewed not just as an expense, but as a crucial risk management tool.

• Protection of Income: The primary benefit is the ability to return to work faster, significantly reducing or eliminating lost earnings due to prolonged illness or injury. For someone earning a substantial income, even a few weeks of lost pay can dwarf the annual cost of PHI.
• Career Longevity: Rapid access to diagnostics and specialist care can ensure that injuries are treated optimally, preventing chronic issues or irreversible damage that could shorten a career.
• Competitive Edge: Being able to train and compete at peak performance, without the uncertainty of health delays, maintains a vital competitive advantage.
• Peace of Mind: Knowing that you have a rapid pathway to care provides immense psychological relief, allowing you to focus on your profession without constant worry about potential health setbacks.
• Access to Expertise: For rare or complex conditions, PHI can provide access to world-renowned specialists and cutting-edge treatments that might otherwise be inaccessible or involve prohibitive costs if paid for directly.

Tax Efficiency for Businesses

Many businesses offer PHI as an employee benefit. This can be tax-efficient for the company and a highly valued perk for employees. For self-employed elite professionals or athletes, the cost of PHI can sometimes be considered a legitimate business expense, offering tax relief, though professional tax advice should always be sought.

Common Misconceptions and Key Considerations

Despite its growing popularity, PHI is still subject to several misunderstandings.

Misconception 1: "PHI Replaces the NHS"

Reality: This is fundamentally incorrect. PHI complements the NHS, it does not replace it. The NHS remains available for all emergencies, chronic conditions, maternity care, and often for follow-up care that falls outside the scope of your private policy. You will always have access to NHS GP services and Accident & Emergency departments. PHI simply offers an alternative for planned, acute treatments.

Misconception 2: "All Conditions Are Covered"

Reality: As stated with absolute clarity: standard UK PHI does not cover chronic conditions or any pre-existing conditions. This is the single most important distinction. It also does not typically cover cosmetic surgery (unless for reconstructive purposes after injury/illness), fertility treatments, or routine check-ups (though some policies offer health screenings as an add-on).

Misconception 3: "It's Just for the Wealthy"

Reality: While PHI can be expensive, there are policies available across a range of price points. By adjusting excesses, limiting outpatient benefits, or choosing a moratorium underwriting, individuals can find more affordable options. Group schemes (e.g., through employers) can also offer significant discounts compared to individual policies. For those whose income is directly tied to their health, it's often viewed as an essential business investment rather than a luxury.

Key Considerations When Choosing a Policy

• Outpatient Limits: For sports injuries, ensure your policy has generous outpatient limits, as many diagnostic tests, specialist consultations, and physiotherapy sessions fall under outpatient care.
• Mental Health Coverage: If your career is high-pressure, consider robust mental health coverage.
• Travel Cover: If you compete or work internationally, ensure your policy can accommodate emergency treatment abroad or that you have separate comprehensive travel insurance.
• Rehabilitation Coverage: Check the extent of rehabilitation (physiotherapy, osteopathy, chiropractic) cover, as this is crucial for a full return to performance.
• Read the Fine Print: Always understand the exclusions, benefit limits, and claims process. An expert broker like WeCovr can help you navigate this complexity.

Conclusion

The escalating challenges within the NHS, particularly the lengthening waiting lists and regional disparities, present a tangible threat to the careers of elite athletes and professionals whose livelihoods are intrinsically linked to their physical wellbeing. Relying solely on the public system for acute conditions can lead to devastating delays, financial losses, and the premature end of a career.

Private Health Insurance stands as a powerful and strategic solution to mitigate these risks. By providing rapid access to diagnosis, specialist treatment, and comprehensive rehabilitation for acute conditions that arise after policy inception, PHI can dramatically reduce recovery times and protect professional trajectories. While it is crucial to remember that standard PHI does not cover chronic or pre-existing conditions, its ability to fast-track care for new, acute issues makes it an indispensable tool for career preservation.

Navigating the diverse landscape of PHI providers, understanding their regional networks, and deciphering complex policy terms requires expert insight. WeCovr is here to provide that guidance, offering a comprehensive, unbiased comparison of policies from all major UK insurers. We can help you find a plan that not only fits your budget but, more importantly, guarantees you the accelerated, high-quality care you need to keep your career on track, no matter where you are in the UK.

Don't let NHS delays put your career at risk. Explore your options for private health insurance and secure your future.