Individual Private Health Insurance

Benefits

• A 45% No Claims Discount (0-30% for switchers)* from day one of your private healthcare policy
• Cover yourself and your eldest child under 20 and all younger children are covered FREE
• Fast private medical treatment at over 300 private hospitals around the UK at a time and location you choose including BMI, Nuffield, Spire and Ramsay hospitals

Private Health Insurance made simple

Private Health Insurance is all about quickly finding out what may be wrong with you and then making sure it gets fixed as quickly as possible.

All of this can then be done in the comfort of a private hospital facility at a time and location convenient to you.

Core cover

You will automatically receive the core cover that includes access to hospitals from our Standard Hospital List.

What is covered

The Core Cover of Health Solutions offers extensive benefits that are traditionally associated with Private Health Insurance, even if you choose to add in no other options.

Providing access to over 300 hospitals, Core Cover ensures that once your GP refers you, it allows you to see a specialist quickly and if you need medical treatment, you can arrange this at a time and location close to home and convenient to you.

Summary of Core Cover Benefits:

• Hospital charges
• Specialists' fees
• Diagnostics tests
• Radiotherapy/chemotherapy

Full details of standard cover and exclusions are given in the policy wording. Non standard terms may apply.

Standard Hospital List

Access to over 300 hospitals nationwide.

The following hospitals are all available to you on the Standard Hospital List (also known as our Key hospital list):

England:

Bedfordshire

• Bedford Hospital
• BMI The Manor Hospital
• Luton & Dunstable Hospital - Cobham Clinic

Berkshire

• Berkshire Independent Hospital
• Dunedin Hospital
• BMI Gerrards Cross
• Wexham Park Hospital - Paragon Suite
• BMI The Princess Margaret Hospital

Bristol

• Spire Bristol Hospital
• Eye Hospital
• General Hospital
• Nuffield Hospital Bristol
• Royal Hospital for Sick Children Royal Infirmary

Buckinghamshire

• Stoke Mandeville Hospital
• BMI The Chiltern Hospital
• BMI The Shelburne Hospital
• BMI The Saxon Clinic

Cambridgeshire

• Addenbrookes Hospital
• Spire Cambridge Lea Hospital
• Nuffield Hospital Cambridge
• Hinchingbrooke Hospital - Mulberry Suite
• Linia Cromwell Hospital
• Papworth Hospital - Varrier Jones Ward
• Fitzwilliam Hospital

Cheshire

• BMI The Alexandra Hospital
• Nuffield Hospital Grosvenor (Chester)
• BMI The South Cheshire Private Hospital
• Regency Hospital
• Spire Cheshire Hospital

Cleveland

• Nuffield Hospital Tees

Cornwall

• Duchy Hospital

Cumbria

• Abbey Caldew Hospital
• West Cumberland Hospital - Cumbrian Clinic

Derbyshire

• Chesterfield Royal Hospital - BMI Chatsworth Suite
• Nuffield Hospital Derby

Devon

• North Devon District Hospital - Roborough Suite
• Nuffield Hospital Exeter
• Royal Devon & Exeter Hospital
• Derriford Hospital - The Meavy Clinic
• Nuffield Hospital Plymouth
• Mount Stuart Hospital

Dorset

• Nuffield Hospital Bournemouth
• BMI Winterbourne Hospital
• BMI The Harbour Hospital

Durham

• Woodlands Hospital

Essex

• Spire Hartswood Hospital
• Nuffield Hospital Brentwood
• Holly House Hospital
• Springfield Hospital
• Oaks Hospital
• King George Hospital
• Orsett Day Case Unit
• Spire Roding Hospital
• Spire Wellesley Hospital

Gloucestershire

• Nuffield Hospital Cheltenham
• General Hospital - Montpellier/Knightsbridge Wards
• Gloucestershire Royal Hospital - Gloucester Ward
• Winfield Hospital

Greater Manchester

• BMI The Beaumont Hospital
• Spire Manchester Hospital
• Christie Hospital - Nathan House
• Duchess of York Hospital
• Manchester Children's Hospital NHS Trust - (incorporating Booth Hall & Royal Manchester ChildrensHospital)
• Manchester Royal Eye Hospital - Centre for Vision
• Manchester Royal Infirmary
• St. Mary's Hospital for Women and Children
• Royal Oldham Hospital
• BMI The Highfield Hospital
• Hope Hospital
• Oaklands Hospital

Hampshire

• BMI The Hampshire Clinic
• Nuffield Hospital Hampshire
• Spire Portsmouth Hospital
• Queen Alexandra Hospital
• St. Mary's Hospital
• Spire Southampton Hospital
• General Hospital
• Royal South Hampshire Hospital
• BMI Sarum Road Hospital

Herefordshire

• Nuffield Hospital Hereford (Wye Valley)

Hertfordshire

• Spire Harpenden Hospital
• General Hospital - Sir Astley Cooper Suite
• Pinehill Hospital
• Rivers Hospital
• Spire Bushey Hospital

Isle of Wight

• St. Mary's Hospital - Mottistone Suite

Kent

• BMI The Sloane Hospital
• BMI The Chaucer Hospital
• Kent & Canterbury Hospital
• BMI Chelsfield Park Hospital
• Darent Valley Hospital - The Redwood Rooms
• BMI Fawkham Manor Hospital
• St. Saviour's Hospital
• BMI The Somerfield Hospital
• Queen Elizabeth the Queen Mother Hospital - Spencer Wing
• Bromley Private Patient Unit
• Spire Tunbridge Wells Hospital
• Nuffield Hospital Tunbridge Wells
• Spire Alexandra Hospital

Lancashire

• BMI The Beardwood Hospital
• Blackpool Victoria Hospital
• Fylde Coast Hospital
• Abbey Gisburne Park Hospital
• Euxton Hall Hospital
• BMI Lancaster
• Renacres Hospital
• Fulwood Hospital
• Wrightington Hospital - John Charnley Wing

Leicestershire

• Hinckley & District Hospital
• Nuffield Hospital Leicester
• Spire Leicester Hospital

Lincolnshire

• Pilgrim Hospital - The Bostonian
• St. Hugh's Hospital
• BMI Lincoln
• Scunthorpe General Hospital - Lindsey Suite

London

• BMI The Blackheath Hospital
• British Hernia Centre
• Charing Cross Hospital
• Chelsea & Westminister Hospital - Chelsea Wing
• BMI The Garden Hospital
• Great Ormond Street Children'sHospital - International and Private Patients' Unit
• Guys Hospital - Guy's Nuffield House
• Hammersmith Hospital - The Robert and Lisa Sainsbury Wing
• Harley Street on 15 at University College Hospital (UCLH)
• The Heart Hospital
• Highgate Hospital
• Hospital of St John & St. Elizabeth
• Hospital for Tropical Diseases
• Kings College Hospital - Guthrie Clinic
• London Chest Hospital
• BMI The London Independent Hospital
• Moorfields Eye Hospital - Cumberlege Wing
• National Hospital for Neurology and Neurosurgery - Nuffield Ward
• North Middlesex Hospital
• Parkside Hospital
• Queen Charlotte's and Chelsea Hospital - Sir Stanley Clayton and Sir Comyns Berkley Wards
• Royal Brompton National Heart and Lung Hospital - Sir Reginald Wilson Ward
• Royal Free Hospital
• Royal Marsden Hospital - Granard House
• Royal National Throat, Nose and Ear Hospital
• St. George's Hospital
• St. Mary's Hospital - Lindo Wing
• St. Thomas' Hospital - Westminster Suite
• Western Ophthalmic Hospital

Merseyside

• University Hospital of Aintree - Sefton Suite
• The Cardiothoracic Centre - Audrey Leigh Wing
• Liverpool Women's Hospital
• Lourdes Hospital
• Royal Liverpool Hospital
• Royal Liverpool Children's
• Hospital (Alder Hey)
• St. Paul's Eye Hospital
• Fairfield Independent Hospital
• Spire Murrayfield Hospital
• Wirral Hospital - Park Suite

Middlesex

• BMI The Kings Oak Hospital
• BMI North London
• Harefield Hospital - Private Patients Unit
• BMI The Clementine Churchill Hospital
• Northwick Park & St. Marks Hospitals
• BMI Bishops Wood Hospital
• Royal National Orthopaedic Hospital - Ian Monro/Philip Newman Wards

Norfolk

• James Paget Hospital - Charnwood Suite
• BMI The Sandringham Hospital
• Spire Norwich Hospital
• Norfolk and Norwich University
• Hospital - Cringleford Private Patients' Unit

Northamptonshire

• Woodland Hospital
• General Hospital
• BMI Three Shires Hospital

Nottinghamshire

• BMI Park Hospital
• Nottingham Woodthorpe Hospital
• Queen's Medical Centre

Oxfordshire

• BMI The Foscote Private Hospital
• Horton General Hospital
• Churchill Hospital
• John Radcliffe Hospital - Isis Suite
• Nuffield Hospital Oxford (The Manor)
• Oxford Clinic for Specialist Surgery
• Radcliffe Infirmary

Shropshire

• Robert Jones and Agnes Hunt
• Orthopaedic Hospital - Ludlow Ward
• Nuffield Hospital Shrewsbury
• Princess Royal Hospital - Apley Ward

Somerset

• BMI Bath Clinic
• Nuffield Hospital Taunton
• Taunton and Somerset Hospital - Parkside Suite
• Weston General Hospital - Waterside Suite
• Yeovil District Hospital - Kingston Ward

Staffordshire

• Burton Hospital - The Burton Clinic
• Nuffield Hospital North Staffordshire
• Rowley Hospital

Suffolk

• BMI Bury St. Edmunds
• Ipswich Hospital NHS Trust - Bramford Ward
• Nuffield Hospital Ipswich

Surrey

• Ashtead Hospital
• St. Helier Hospital
• North Downs Hospital
• BMI The Runnymede Hospital
• BMI Shirley Oaks Hospital
• Epsom General Hospital - Northey Suite
• Clare Park Hospital
• Frimley Park Hospital - Parkside Suite
• Nuffield Hospital Guildford
• BMI Mount Alvernia Hospital
• Spire Gatwick Park Hospital
• Kingston Hospital - Coombe Wing
• New Victoria Hospital
• St. Anthony's Hospital
• Royal Marsden Hospital - Robert Tiffany Ward
• Nuffield Hospital Woking

Sussex - East

• Royal Sussex County Hospital
• Nuffield Hospital Brighton
• Horder Centre for Arthritis
• Eastbourne District General Hospital - Michelham Private Patients' Unit
• BMI The Esperance Private Hospital
• Spire Sussex Hospital

Sussex - West

• Nuffield Hospital Chichester
• St Richard's Hospital - The Chichester Suite
• BMI McIndoe Hospital
• Nuffield Hospital Haywards Heath
• BMI Goring Hall Hospital
• Worthing Hospital - The Downlands Suite

Tyne & Wear

• Freeman Hospital
• General Hospital
• Nuffield Hospital Newcastle-upon-Tyne
• Royal Victoria Infirmary - The Bishop Ward
• Spire Washington Hospital

Warwickshire

• Nuffield Hospital Warwick
• BMI Nuneaton Private Hospital
• Warwick Hospital

West Midlands

• Birmingham Women's Hospital
• Children's Hospital
• Royal Orthopaedic Hospital
• BMI The Meriden Hospital
• BMI Birmingham
• BMI The Priory Hospital
• Queen Elizabeth Hospital - The Edgbaston Suite
• West Midlands Hospital
• Spire Little Aston Hospital
• Spire Parkway Hospital
• Nuffield Hospital Wolverhampton

Wiltshire

• New Hall Hospital
• The Great Western Hospital - The Shalbourne Suite
• BMI The Ridgeway Hospital

Worcestershire

• BMI The Droitwich Spa Hospital
• Spire South Bank Hospital

Yorkshire - East Riding of

• Hull and East Riding Hospital
• Nuffield Hospital Hull

Yorkshire - North

• Harrogate District Hospital - Harlow Ward
• BMI Harrogate
• Nuffield Hospital York

Yorkshire - South

• Park Hill Hospital
• Birkdale Clinic
• Children's Hospital
• Claremont Hospital
• Jessop Wing Women's Hospital
• Northern General Hospital
• Royal Hallamshire Hospital
• BMI Thornbury Hospital
• Weston Park Hospital

Yorkshire - West

• Yorkshire Clinic
• Bradford Royal Infirmary - York Suite
• Elland Hospital
• BMI Huddersfield
• Keighley Airedale General Hospital - Ward 19
• Spire Leeds Hospital
• Cookridge Hospital
• Leeds General Infirmary
• Methley Park Hospital
• Nuffield Hospital Leeds
• St. James's University Hospital
• Wharfedale General Hospital

Channel Islands:

• Princess Elizabeth Hospital
• Bon Air Nursing Home
• General Hospital

Isle of Man:

• Nobles Hospital

Northern Ireland:

• North West Independent Clinic
• City Hospital
• Mater Infirmorum Hospital
• Royal Belfast Hospital for Sick Children
• Royal Victoria Hospital
• Ulster Independent Clinic
• Craigavon Area Hospital
• Ulster Hospital
• Altnagelvin Area Hospital

Scotland:

• BMI The Albyn Hospital
• Vale of Leven District General Hospital
• Abbey Carrick Glen Hospital
• Golden Jubilee National Hospital
• BMI The Fernbrae Hospital
• Spire Murrayfield Hospital
• Western General Hospital
• Nuffield Hospital Glasgow
• BMI Ross Hall Hospital
• Southern General Hospital
• Victoria Infirmary
• Raigmore Hospital
• Abbey King's Park Hospital
• Royal Infirmary

Wales:

• Nevill Hall Hospital - Glan Usk Suite
• Bronglais General Hospital
• Princess of Wales Hospital - The Bridgend Clinic
• Spire Cardiff Hospital
• BMI Werndale Private Hospital
• West Wales General Hospital
• Withybush General Hospital
• St. Joseph's Private Hospital
• Glan Clwyd Hospital
• Sancta Maria Hospital
• Yale Hospital

What is not covered

There are some common conditions that Private Health Insurance will not cover you for:

• Pre-existing conditions
• Long term or chronic conditions
• Alcohol, drug or solvent abuse
• HIV/AIDS
• Cosmetic treatment

Full details of standard cover and exclusions are given in the policy wording. Non standard terms may apply.

Ways to increase your protection:

Dental and Optical

Although Core Cover includes cover for oral surgical and some ophthalmic procedures, you can also choose additional benefits that help with the cost of routine dental expenses, accidental dental injuries and optical expenses.

Full details of standard cover and exclusions are given in the policy wording. Non standard terms may apply.

Other Treatments and Therapies

You may need to use complementary or alternative treatments. So, your GP can refer you directly for certain treatments, like osteopathy, without referring you to a Specialist.

Full details of standard cover and exclusions are given in the policy wording. Non standard terms may apply.

Extended Hospital List

Access to more exclusive hospitals in Central London.

The following hospitals are all available to you on the Extended Hospital List in addition to the number of hospitals you have access to on the Standard Hospital List:

England:

London Postal area

• Bupa Cromwell Hospital
• Harley Street Clinic
• King Edward VII's Hospital - Sister Agnes
• Lister Hospital
• London Bridge Hospital
• London Clinic
• Portland Hospital for Women and Children
• Princess Grace Hospital
• Wellington Hospital

Ways to keep the cost down:

Six Week Option

Benefits for in-patient or day-patient treatment will only be available privately if treatment is not available at an NHS hospital within six weeks.

You will still benefit from private cover should your GP refer you to a Specialist for diagnosis. If subsequent eligible treatment as an out-patient is required, you can go private for this too.

Full details of standard cover and exclusions are given in the policy wording. Non standard terms may apply.

Reduced Out-patient Cover and Benefits

You can choose to reduce your out-patient cover. If you're happy to use the NHS or pay for certain out-patient treatments yourself, this option is ideal for you as it will lower your premium.

Full details of standard cover and exclusions are given in the policy wording. Non standard terms may apply.

Policy excess

By choosing to apply a £500 or £1,000 excess to the policy you can reduce your premium you pay. Each member who makes a claim will have to pay this cost, but only once per policy year.

Full details of standard cover and exclusions are given in the policy wording. Non standard terms may apply.

Trust Care Hospital List

Enjoy the comfort of private facilities at NHS/Partnership hospitals. Save 25% on your premiums.

The following hospitals are all available to you on the Reduced Hospital List (also known as our Trust Care Hospital List). This option uses the private patient units of NHS Trust and Partnership hospitals. Using this list will help you cut your premium:

Avon

• Weston General Hospital (Waterside Suite), Weston Super Mare

Bedfordshire

• Luton & Dunstable Hospital (The Cobham Clinic), Luton

Berkshire

• Wexham Park Hospital (Paragon Suite), Slough

Buckinghamshire

• BMI The Shelburne Hospital, High Wycombe

Cambridgeshire

• Hinchingbrooke Hospital (The Mulberry Suite), Huntingdon

Cheshire

• BMI The South Cheshire Private Hospital, Crewe

Cumbria

• West Cumberland Hospital (Cumbrian Clinic), Whitehaven

Derbyshire

• Chesterfield Royal Hospital (BMI Chatsworth Suite), Chesterfield

Devon

• North Devon District Hospital (Roborough Suite), Barnstaple

Dorset

• BMI The Harbour Hospital, Poole

East Sussex

• BUPA Hospital Hastings, St. Leonards on Sea
• Eastbourne District General Hospital (Michelham Private Patients Unit), Eastbourne
• Royal Sussex County Hospital, Brighton

Gloucestershire

• Cheltenham General Hospital (Knightsbridge/ Montpellier Wards), Cheltenham
• Gloucestershire Royal Hospital (The Gloucester Ward), Gloucester

Hertfordshire

• Hemel Hempstead General Hospital (Sir Astley Cooper Suite), Hemel Hempstead

Humberside

• Hull Nuffield Hospital, Hull

Isle of Wight

• St Mary's Hospital (Mottistone Suite), Newport

Kent

• Kent & Sussex Hospital (The Hargraves Suite), Tunbridge Wells
• Queen Elizabeth the Queen Mother Hospital (The Spencer Wing), Margate

Lincolnshire

• Pilgrim Hospital (The Bostonian), Boston

London

• Charing Cross Hospital, London
• Chelsea & Westminster Hospital (Chelsea Wing), London
• Guy's Hospital (Guy's Nuffield House), London
• Hammersmith Hospital (The Robert and Lisa Sainsbury Wing), London
• King's College London (Guthrie Clinic), London
• Royal Free Hospital, London
• St Mary's Hospital (Lindo Wing), London
• St Thomas' Hospital (The Westminster Suite), London

Merseyside

• University Hospital of Aintree, Sefton Suite, Liverpool
• Wirral Hospital (Park Suite), Wirral

Mid Glamorgan

• Princess of Wales Hospital (The Bridgend Clinic), Bridgend

Middlesex

• BMI The Bishops Wood Hospital, Northwood
• BMI The Kings Oak Hospital, Enfield
• Northwick Park & St Marks Hospitals (trustplus), Harrow

Monmouthshire

• Nevill Hall Hospital (Glan Usk Suite), Abergavenny

Norfolk

• BMI The Sandringham Hospital, King's Lynn
• James Paget Hospital (The Charnwood Suite), Great Yarmouth
• Norfolk and Norwich University Hospital (Cringleford Private Patient Unit), Norwich

North Lincolnshire

• Scunthorpe General Hospital (The Lindsey Suite), Scunthorpe

North Yorkshire

• Harrogate District Hospital (The Harlow Ward), Harrogate

Oxfordshire

• John Radcliffe Hospital (The Isis Suite), Oxford

Shropshire

• Princess Royal Hospital (The Apley Ward), Telford

Somerset

• Taunton & Somerset Hospital (Parkside Suite), Taunton
• Yeovil District Hospital (Kingston Ward), Yeovil

South Yorkshire

• Capio Park Hill Hospital, Doncaster

Staffordshire

• Burton Hospital, Burton-on-Trent

Suffolk

• Ipswich Hospital NHS Trust (The Bramford Ward), Ipswich

Surrey

• BMI The Runnymede Hospital, Chertsey
• Epsom General Hospital (The Northey Suite), Epsom
• Frimley Park Hospital (The Parkside Suite), Camberley
• Guildford Nuffield Hospital, Guildford
• Kingston Hospital (The Coombe Wing), Kingston upon Thames

Tyne & Wear

• Royal Victoria Infirmary (The Bishop Ward), Newcastle Upon Tyne

West Midlands

• BMI The Meriden Hospital, Coventry

West Sussex

• St Richard's Hospital (The Chichester Suite), Chichester

West Yorkshire

• Airedale General Hospital (Ward 19), Keighley
• Bradford Royal Infirmary (The York Suite), Bradford

Wiltshire

• The Great Western Hospital (The Shalbourne Suite), Swindon

Northern Ireland & Scotland Hospital List

Available to policy holders living in Scotland and Northern Ireland only.

The following hospitals are all available to you on the Northern Ireland and Scotland Hospital List (also known as our Signature Hospital List). Using this list will help you cut your premium:

Aberdeenshire

• BMI The Albyn Hospital, Aberdeen

Angus

• BMI The Fernbrae Hospital, Dundee

Ayrshire

• Abbey Carrick Glen Hospital, Ayr

Co. Londonderry

• North West Independent Clinic, Ballykelly

Lanarkshire

• BMI Ross Hall Hospital, Glasgow
• Glasgow Nuffield Hospital, Glasgow

Midlothian

• BUPA Murrayfield Hospital, Edinburgh

Northern Ireland

• Ulster Independent Clinic, Belfast

Stirlingshire

• Abbey Kings Park Hospital, Stirling

Next steps

Call 0800 051 1524 (INT WP2)

Get a quote

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Further Information

* No Claims Discount of 0-45% for the first year given against our standard maximum premium payable due to previous medical claims. Private healthcare premiums and No Claims Discount arrangements are annually reviewable. Applications are required. Non-standard personal and medical exclusions may apply.

† 3 Month Free - 3 month free is subject to acceptance and is not available to anyone who has held private health insurance with Norwich Union in the last 12 months. The 3 months free is only available in the first year of the policy. Applications are required by the 31st December 2008. This offer cannot be used in conjunction with any other offer.