Medical Insurance UK.
Travelling to the UK or living there as an expat? Protect yourself against unexpected medical expenses with our comprehensive private medical insurance plans. Our coverage ensures you have access to top-tier healthcare services throughout your stay. Focus on enjoying your time in the UK without the worry of healthcare costs. Get your free quote today!
FROM ONLY
$50.54
Medical insurance coverage for UK.
Global 24/7 Emergency Help On All Nomad Insurance
Our global medical insurance includes 24/7 global assistance, ensuring you have access to support anytime, anywhere during your travels. With just a phone call, our dedicated team is ready to assist, providing peace of mind for your health and safety worldwide.
Customisable Plans for Nomad Lifestyles
Tailor your medical insurance to fit your nomadic or expat lifestyle perfectly. Choose from basic to comprehensive medical coverage options with our flexible plans, ensuring you only pay for the healthcare protection you really need while on the move.
Direct Payments To The Hospital
Our medical insurance includes direct hospital payments, relieving you of financial worries during medical emergencies. We handle payments and coordination with healthcare facilities, allowing you to concentrate on your recovery without the stress of immediate costs.
Access To Healthcare Professionals
Our medical insurance ensures that expert medical advice is always within reach, even when you’re far from home. With our coverage, you have remote access to certified healthcare professionals, allowing you to consult with specialists.
Healthcare system overview in UK
The UK has a renowned healthcare system primarily through the National Health Service (NHS). However, as an overseas visitor or expat, you won’t be eligible for full public coverage. While emergency treatment at NHS Accident & Emergency (A&E) departments is free for all, other services may incur charges, and costs can add up quickly. To avoid high out-of-pocket expenses, having private medical insurance is essential. Private healthcare in the UK provides quicker access to specialists and a wider range of treatments, ensuring you receive the care you need without long waiting times. With comprehensive medical insurance, you can focus on enjoying your time in the UK without the stress of unexpected medical bills.
Key Takeaways of UK healthcare system for you
Healthcare can be expensive
Non-residents often face high out-of-pocket expenses for treatments not covered by the NHS, which can add up quickly and strain your finances.
Unexpected emergency costs
While emergency treatment at NHS Accident & Emergency departments is free for all, any necessary follow up treatments or hospital stays will incur charges, leaving you vulnerable to unexpected medical bills.
Wide range of healthcare options
Private medical insurance provides access to a wider range of treatments and specialists, often with shorter waiting times, ensuring you receive prompt and high-quality care.
Long waiting times
NHS services, especially for non-urgent care, can have long waiting times. This means you might wait weeks or even months to see a specialist or receive treatment.
Our medical insurance coverage.
Major Medical
A cost-effective plan with a US $1,000,000 annual limit, covering essential inpatient services. Ideal for basic health needs.
Worldwide Exc. USA | Major Medical |
Overall Plan Limit (per year) | US $1,000,000 |
Inpatient Benefits | |
Room and Board including general nursing care | Semi-Private |
Parental Accommodation (added bed, same room) | No Cover |
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs | Full Cover |
Intensive Care (Room and Board including general nursing care) | Full Cover |
Surgeon's fees including pre & post surgical services | US $25,000 |
Anaesthetist Fees | 30% of Surgeon's Fees |
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees | US $25,000 |
Rehabilitation Cover | No Cover |
Kidney Dialysis | Full Cover |
Oncology Cover | US $20,000 |
Emergency Room Treatment | Full Cover |
Organ Transplant Cover | No Cover |
Local Ambulance to Hospital | Full Cover |
Hospital Cash Benefit | US $100 |
Outpatient Benefits | |
Outpatient Surgical | No Cover |
Pre-Hospitalisation | No Cover |
Post-Hospitalisation | No Cover |
GP Consultation Fees | No Cover |
Specialist Consultation Fees | No Cover |
Prescribed Medication | No Cover |
Imaging and Lab Tests | No Cover |
Physiotherapy | No Cover |
Oncology | No Cover |
Alternative Therapies Treatment | No Cover |
Chronic Conditions Benefit | No Cover |
Wellbeing Benefits | |
Annual Medical Check-ups | No Cover |
Vaccinations | No Cover |
Eye-Test | No Cover |
Dental Benefits | |
Emergency Dental (Relief of Pain Only) | No Cover |
Routine Dental (6 month waiting period) | No Cover |
Major Dental (6 month waiting period) | No Cover |
Global Security Benefits | |
Terrorism | US $50,000 |
Hostage Negotiation | Full Cover |
Hijacking | US $100 Per Day 10 Days |
Mugging | US $100 Per Day 5 Days |
Psychology Benefits | |
24 Hour Psychology Counselling | Full Cover |
24 Hour Personal Coaching | Full Cover |
International Assistance Benefits | |
24 Hour Emergency Assistance | Full Cover |
Life Cover | |
Death Benefit | US $10,000 |
Optional Benefits Where an additional premium has been paid | |
Evacuation & Repatriation | US $100,000 |
Standard
Offers a US $1,000,000 annual limit and adds limited outpatient coverage up to US $25,000. Includes GP and specialist consultations.
Worldwide Exc. USA | Standard |
Overall Plan Limit (per year) | US $1,000,000 |
Inpatient Benefits | |
Room and Board including general nursing care | Semi-Private |
Parental Accommodation (added bed, same room) | No Cover |
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs | Full Cover |
Intensive Care (Room and Board including general nursing care) | Full Cover |
Surgeon's fees including pre & post surgical services | US $25,000 |
Anaesthetist Fees | 30% of Surgeon's Fees |
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees | US $25,000 |
Rehabilitation Cover | No Cover |
Kidney Dialysis | Full Cover |
Oncology Cover | US $20,000 |
Emergency Room Treatment | Full Cover |
Organ Transplant Cover | No Cover |
Local Ambulance to Hospital | Full Cover |
Hospital Cash Benefit | US $100 |
Outpatient Benefits | |
Outpatient Surgical | US $25,000 |
Pre-Hospitalisation | US $2,000 30 days prior |
Post-Hospitalisation | US $2,000 30 days prior |
GP Consultation Fees | US $750 |
Specialist Consultation Fees | US $750 |
Prescribed Medication | US $750 |
Imaging and Lab Tests | US $750 |
Physiotherapy | No Cover |
Oncology | No Cover |
Alternative Therapies Treatment | No Cover |
Chronic Conditions Benefit | No Cover |
Wellbeing Benefits | |
Annual Medical Check-ups | No Cover |
Vaccinations | No Cover |
Eye-Test | No Cover |
Dental Benefits | |
Emergency Dental (Relief of Pain Only) | No Cover |
Routine Dental (6 month waiting period) | No Cover |
Major Dental (6 month waiting period) | No Cover |
Global Security Benefits | |
Terrorism | US $100,000 |
Hostage Negotiation | Full Cover |
Hijacking | US $200 Per Day 10 Days |
Mugging | US $100 Per Day 5 Days |
Psychology Benefits | |
24 Hour Psychology Counselling | Full Cover |
24 Hour Personal Coaching | Full Cover |
International Assistance Benefits | |
24 Hour Emergency Assistance | Full Cover |
Life Cover | |
Death Benefit | US $10,000 |
Optional Benefits Where an additional premium has been paid | |
Evacuation & Repatriation | US $100,000 |
Comprehensive
Features a US $1,000,000 annual limit and full inpatient benefits. Adds extensive outpatient coverage, and $1,000 chronic conditions benefit.
Worldwide Exc. USA | Comprehensive |
Overall Plan Limit (per year) | US $1,000,000 |
Inpatient Benefits | |
Room and Board including general nursing care | Semi-Private |
Parental Accommodation (added bed, same room) | Full Cover |
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs | Full Cover |
Intensive Care (Room and Board including general nursing care) | Full Cover |
Surgeon's fees including pre & post surgical services | US $25,000 |
Anaesthetist Fees | 30% of Surgeon's Fees |
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees | US $25,000 |
Rehabilitation Cover | Full Cover 30 Days |
Kidney Dialysis | Full Cover |
Oncology Cover | US $20,000 |
Emergency Room Treatment | Full Cover |
Organ Transplant Cover | US $100,000 |
Local Ambulance to Hospital | Full Cover |
Hospital Cash Benefit | US $100 |
Outpatient Benefits | |
Outpatient Surgical | US $25,000 |
Pre-Hospitalisation | US $2,000 30 days prior |
Post-Hospitalisation | US $2,000 30 days prior |
GP Consultation Fees | US $750 |
Specialist Consultation Fees | US $750 |
Prescribed Medication | US $750 |
Imaging and Lab Tests | US $750 |
Physiotherapy | US $750 5 Visits |
Oncology | US $20,000 |
Alternative Therapies Treatment | US $250 5 Visits |
Chronic Conditions Benefit | US $1,000 |
Wellbeing Benefits | |
Annual Medical Check-ups | US $250 25% Co-insurance |
Vaccinations | US $250 25% Co-insurance |
Eye-Test | US $250 1 Per Year |
Dental Benefits | |
Emergency Dental (Relief of Pain Only) | Inpatient Treatment Only |
Routine Dental (6 month waiting period) | No Cover |
Major Dental (6 month waiting period) | US $750 25% Co-insurance |
Global Security Benefits | |
Terrorism | US $150,000 |
Hostage Negotiation | Full Cover |
Hijacking | US $300 Per Day 10 Days |
Mugging | US $100 Per Day 5 Days |
Psychology Benefits | |
24 Hour Psychology Counselling | Full Cover |
24 Hour Personal Coaching | Full Cover |
International Assistance Benefits | |
24 Hour Emergency Assistance | Full Cover |
Life Cover | |
Death Benefit | US $10,000 |
Optional Benefits Where an additional premium has been paid | |
Evacuation & Repatriation | US $100,000 |
Fully Comprehensive
Offers a US $2,000,000 annual limit with full inpatient and outpatient benefits. Ideal for those seeking comprehensive coverage.
Worldwide Exc. USA | Fully Comprehensive |
Overall Plan Limit (per year) | US $2,000,000 |
Inpatient Benefits | |
Room and Board including general nursing care | Full Cover |
Parental Accommodation (added bed, same room) | Full Cover |
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs | Full Cover |
Intensive Care (Room and Board including general nursing care) | Full Cover |
Surgeon's fees including pre & post surgical services | Full Cover |
Anaesthetist Fees | Full Cover |
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees | Full Cover |
Rehabilitation Cover | Full Cover 45 Days |
Kidney Dialysis | Full Cover |
Oncology Cover | Full Cover |
Emergency Room Treatment | Full Cover |
Organ Transplant Cover | Full Cover |
Local Ambulance to Hospital | Full Cover |
Hospital Cash Benefit | US $200 |
Outpatient Benefits | |
Outpatient Surgical | Full Cover |
Pre-Hospitalisation | Full Cover |
Post-Hospitalisation | Full Cover |
GP Consultation Fees | Full Cover |
Specialist Consultation Fees | Full Cover |
Prescribed Medication | Full Cover |
Imaging and Lab Tests | Full Cover |
Physiotherapy | Full Cover 10 Visits |
Oncology | Full Cover |
Alternative Therapies Treatment | Full Cover 10 Visits |
Chronic Conditions Benefit | US $10,000 |
Wellbeing Benefits | |
Annual Medical Check-ups | US $500 |
Vaccinations | US $500 |
Eye-Test | US $250 1 Per Year |
Dental Benefits | |
Emergency Dental (Relief of Pain Only) | Full Cover |
Routine Dental (6 month waiting period) | US $750 |
Major Dental (6 month waiting period) | US $750 |
Global Security Benefits | |
Terrorism | Full Cover |
Hostage Negotiation | Full Cover |
Hijacking | US $500 Per Day |
Mugging | US $100 Per Day |
Psychology Benefits | |
24 Hour Psychology Counselling | Full Cover |
24 Hour Personal Coaching | Full Cover |
International Assistance Benefits | |
24 Hour Emergency Assistance | Full Cover |
Life Cover | |
Death Benefit | US $10,000 |
Optional Benefits Where an additional premium has been paid | |
Evacuation & Repatriation | US $100,000 |
Why is private medical insurance essential in the UK?
Private medical insurance is crucial for expats and overseas travellers in the UK because relying solely on the National Health Service (NHS) can lead to major financial burdens. The NHS does not provide full coverage for non-residents, and even minor medical issues can result in high out-of-pocket expenses. Emergency treatments at NHS Accident & Emergency (A&E) departments are free, but follow-up care, hospital stays, and other necessary treatments can quickly drain your finances. Additionally, the long waiting times for non-urgent NHS services can leave you untreated for months without the care you need. Without private medical insurance, you risk facing big medical bills and limited access to timely, quality healthcare. Ensure you’re fully covered and protected against unexpected medical costs in the UK.
Average cost of healthcare in UK
The cost of healthcare in the UK can be significant for expats and overseas travellers. Doctor visits can range from £50 to £200, and hospital stays can cost anywhere from £1,000 to £10,000 depending on the complexity of treatment and the hospital you choose. For specific treatments like a knee replacement surgery, it can cost around £10,000, and advanced diagnostic tests like MRIs can range from £500 to £1,000. Prescription medications can also add up, with some common drugs reaching £100+ per month without insurance coverage. Having comprehensive medical insurance is essential to avoid these potential costs to avoid financial strain from unexpected medical expenses, ensuring access to timely and quality healthcare during your stay in the UK.
Breakdown of Healthcare Costs in Spain
Cost of Hospital Stays
A private room in a UK private hospital can range from ÂŁ500 to ÂŁ1,000 per night, excluding any additional treatments or procedures.
ÂŁ500-ÂŁ1,000
Surgery Costs
The cost of surgery in the UK can vary significantly depending on the complexity of the procedure and the chosen specialist. For example, a knee replacement surgery costs between ÂŁ10,000 and ÂŁ16,000
ÂŁ10,000-ÂŁ16,000
Doctor's Visit
A consultation with a doctor in a private clinic typically costs around ÂŁ50 to ÂŁ200, depending on the specialist and location.
ÂŁ50-ÂŁ200
Emergency Room Visit
An initial visit to a private hospital emergency room can range from ÂŁ100 to ÂŁ300, with additional charges for any required tests or treatments.
ÂŁ100-ÂŁ300+
Diagnostic Test Costs
Diagnostic tests like X-rays, blood tests, or MRIs can range from ÂŁ500 to ÂŁ1,000 and more, depending on the complexity of the test and the chosen hospital.
ÂŁ500-ÂŁ1,000+
Prescription Medication Costs
The cost of prescription medications can vary widely, but a typical prescription might cost around ÂŁ10 to ÂŁ75, depending on the drug and coverage by your private insurance plan.
ÂŁ10-ÂŁ75
Choosing the right medical insurance plan for UK.
Your Health
If you have existing health issues or expect to need regular medical care, a more comprehensive plan might be best.
Travel Frequency
If you’re constantly on the move, look for a plan with global coverage and international evacuation and repatriation.
Budget
More comprehensive plans will cost more, so balance the level of coverage against what you can afford.
Lifestyle
If you engage in high-risk activities or sports, ensure your plan covers the costs of your medical bills for major injuries.Â
Claims process for medical insurance.
Our claims process is streamlined for ease: submit your claim via email, the team reviews it, and once approved, they pay the hospital directly. It’s designed for quick, hassle-free support during your treatment.Â
Receive Treatment:
If you’re admitted for inpatient treatment, the hospital will usually contact Medical for Nomads directly.
Claim Submission
For other treatments, you can submit your claim by emailing the necessary documents, which can include photos from your phone.
Claims Review
Medical for Nomads will review your claim to ensure all details are correct and that the treatment is covered under your policy.
Direct Payment
Once your claim is approved, we’ll arrange full payment directly to the hospital or clinic, so you don’t have to pay upfront and claim back later.
Need to renew your medical insurnace?
If it’s time to renew your medical insurance, Medical for Nomads makes it simple. Our policies, designed specifically for global nomads, offer annual coverage with the flexibility to pay monthly, quarterly, or semi-annually. When renewing, you keep the same start date, crucial for assessing pre-existing conditions. Renewing is easy: just visit our website, log in to your account, and follow the prompts to maintain uninterrupted, comprehensive medical insurance coverage. Plus, if you pay in advance, you could save up to 16%.
Why choose us?
Experienced insurance brokers
Best rates for nomads
Easy online process
With over a decade in the medical insurance sector, our expertise is tailored to nomads and travel entrepreneurs. We’re not just insurance providers; we’re seasoned travellers ourselves, understanding the unique challenges you face.
Real testimonials using our medical insurance.
Very good customer service, fast, and friendly. The claims were reimbursed quickly.
Frequently Asked Questions
Yes dear nomads, you can. Just put your current address in and feel free to keep on movin’.
Anywhere in the world except the USA. We recommend purchasing USA-specific travel insurance if you are travelling to the USA. This insurance policy is not suitable for residents of the USA.
You can choose to receive treatment in any country worldwide except the USA.
Yes – as long as your home country isn’t the USA. Apart from the USA, you’re fully covered, nomad-er where you’re from and nomad-er where you go!
No, just once per year on your renewal date. And that can all be done by email, if required.
Yes, cancer treatment (oncology) is covered – you can find full details on our “Compare Cover Levels” page.
Yes, dental treatment is covered under the “Comprehensive” and “Fully Comprehensive” cover levels. You can find full details on our “Compare Cover Levels” page.
Yes, outpatient treatment is covered – you can find full details on our “Compare Cover Levels” page.
Unfortunately, claims cannot be approved if they are either directly or indirectly related to any medical condition or related condition for which you had treatment for, had symptoms of, knew existed, or should have known existed, prior to you starting your medical insurance policy. You are covered for events after you first start your insurance policy.
Terrorism coverage is included on all cover levels and covers any medical treatment needed as a result of terrorism, and any treatment needed for a medical condition sustained as a result of terrorism.
No, this is not necessary. To make the process as simple as possible, once you have gained pre-authorisation for your treatment, the insurance company will contact the hospital to arrange for payment to be made directly.
During an emergency, you may not be in a position to notify the insurance company in advance. If this happens, please contact the insurance company as soon as possible so they can arrange for all payments to be made directly to the hospital, as well as make sure that you are being properly cared for.
Please see the “Claims” page which has full information – and you will also receive the information in soft copy format by email when you start your insurance policy.
Yes, general exclusions apply to all international medical insurance policies. For full details, please see our “T&C’s” page.
No, you can apply and get coverage within 24 hours without the need for a medical examination.
Yes they can, although it generally makes more sense to have a separate policy for each person as it costs the same and gives you the flexibility to choose different cover levels for each person if you wish.
There is a limit to the total value of claims per year, but no limit on the number of claims. For full details, please see our “Compare Cover Levels” page.
Yes, you have a 14-day “cooling off period” during which you can cancel the policy if you want to. This gives you plenty of time to read the full terms and conditions as well as compare the cover and cost of other insurances, and if for any reason you decide it’s not the right one for you, you’ll get a full refund of all premiums paid.
Yes you can choose your own hospital and doctor if you wish, and you may also ask the insurance company for recommendations based on what facilities are offered at different hospitals. If you would like to be treated at a hospital in a different country, you will need the “Global Evacuation & Repatriation” cover, which is an optional add-on to all policies for a small fixed fee.
It’s always good to have travel insurance if you travel frequently – travel insurance and medical insurance are distinctly different types of insurance. Travel insurance will cover you for things like delayed flights, lost baggage etc, whereas international medical insurance covers anything medical related. Whilst all travel insurances and medical insurances differ, as a general rule, the medical cover offered on travel insurance policies has more limitations than full medical insurance policies, and there are often additional clauses which make it unsuitable as a long-term replacement for medical insurance. Always read the small print to see which things aren’t covered!