The NHS is under more pressure than ever before. In July 2024 there were 7.57 million people on the waiting list for hospital treatment, the highest since records began in 2007.
Our Private Health Insurance gives you prompt diagnosis, referral and fast access to private treatment for covered conditions, with an affordable price tag.
How it works
Visit your GP, who will refer you to a specialist
Call our dedicated PHI team who will work with you throughout your claim
Providing your claim is eligible, you arrange the date for the procedure and receive treatment as a private patient
We consult with your chosen hospital and pay all the bills directly. If you choose to have NHS treatment, we pay a cash benefit directly to you.
Key features
- Covers most surgical procedures, except heart or cancer related treatment
- Access to prompt private treatment at a hospital or treatment centre of your choice
- Post-operative physiotherapy (when you select the outpatient benefit)
- No medical is required
- Immediate cover for new conditions
- We will explain the full details of the private treatment package, so that you know exactly what is included
- Choose from a wide range of private and NHS hospitals
- It pays a cash benefit if you choose the NHS option
- 3 surgical procedures covered per year, up to a maximum of £250,000 during the lifetime of cover
What we don’t cover
- Treatment related to cancer or heart disease (although cancer-related surgical procedures are excluded, we’ll cover you when cancer is suspected but not yet confirmed i.e. biopsies)
- Pre-existing medical conditions are not covered until you’ve had no symptoms, treatment or advice for two consecutive years from the date your cover starts
- We only cover surgical procedures for acute conditions, chronic conditions are excluded
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No Surgery Choices cover |
Surgery Choices 1 + £9.02 |
Surgery Choices 2 + £26.90 |
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|
No Surgery Choices cover |
Surgery Choices 1 + £9.02 |
Surgery Choices 2 + £26.90 |
|
|---|---|---|---|
| Health Cash Plan cover | |||
| Health Cash Plan cover | |||
| Maximum benefit during lifetime of cover | |||
| Maximum benefit during lifetime of cover | £100K | £250K | |
| Number of surgical procedures per policy year | |||
| Number of surgical procedures per policy year | 3 | 3 | |
| Number of surgical procedures covered | |||
| Number of surgical procedures covered | Over 60 of the most common procedures* | All procedures excluding heart and cancer* | |
| NHS Benefit | |||
| NHS Benefit | |||
* Please refer to the plan guide, Section 9 Policy Exclusions for details of treatment that the plan does not cover
How could Private Health Insurance help you?
Successful ACL surgery with Shane’s policy
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Successful ACL surgery with Shane’s policy
“Unfortunately I suffered a serious sports injury, rupturing the anterior cruciate ligament in my knee. After spending hours in A&E, I saw a consultant and later booked in for an X-ray and MRI scan.
I contacted Westfield Health and was admitted to Claremont Private Hospital in Sheffield within two weeks.
The Private Health Insurance team at Westfield Health were superb. The process was very speedy and they kept in regular contact. Going private wouldn’t have been an option if it wasn’t for my health cover. I didn’t have to worry about anything.”
Shane Young
Sheffield
Customer photo
Quick diagnosis gives peace of mind
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Quick diagnosis gives peace of mind
“I saw a consultant and was shocked when she said that I might have cancer. I had an MRI scan within days and was then referred for a private biopsy through my Private Health Insurance. I knew my policy covered cancer diagnosis but not treatment.
Thankfully, I was given the all clear. I was so relieved to get the diagnosis so quickly. The total costs exceeded £6,000 which I just could not have afforded, thank you Westfield Health!”
Westfield Health customer
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Steve quickly gets back to full fitness
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Steve quickly gets back to full fitness
“Steve twisted his knee whilst playing rugby with friends and was still experiencing pain weeks after. His GP referred him to a specialist Consultant and further investigations showed that he needed keyhole surgery to repair his internal knee ligaments.
Thanks to Steve’s Private Health Insurance, arranging treatment was one less thing to worry about. His case manager arranged his treatment package and it occurred quickly, in the comfort of a local, private hospital.”
Archive photo
Frequently asked questions
A surgical or medical procedure for Surgery Choices 2 is defined as an intervention carried out by a medical specialist in a hospital/treatment centre involving one of the following:
- A general anaesthetic
- A regional or local anaesthetic in conjunction with an incision involving a surgical knife
- An Endoscopic procedure
Surgical or medical procedures for Surgery Choices 1 can be found in the list of accepted operations.
The surgical procedures covered by this policy are listed in the schedule of procedures that is available to download at www.westfieldhealth.com/operationslist.
Please refer to the plan guide, Section 9, Policy Exclusions for details of treatment that the plan does not cover.
If you choose the Outpatient benefit, you’ll be covered for up to £1,000 of outpatient services in each 12 month period to pay for:
- Specialist consultations
- Diagnostic tests, such as x-rays, blood tests and ultrasounds
- MRI, CT and PET scans
Post-operative physiotherapy
By choosing the Outpatient benefit, you’ll also benefit from post-operative physiotherapy, which would be in addition to any physiotherapy provided by the hospital as part of your surgery package.
So, if you’re referred for physiotherapy after your surgery or procedure, we’ll cover you for post-operative physiotherapy. We’ll pay for up to 4 sessions if you’re referred by a GP and up to 10 sessions if you’re referred by a medical specialist.
The cost of these sessions doesn’t come from the £1,000 outpatient benefit pot. However, if this is your first outpatient claim of the year, and you have an excess on your policy, the excess is applied. This means that you would have to pay for the first £100 of physiotherapy.
This would be an unusual scenario though, as it’s likely that you would have made an outpatient claim before your surgery.
We don’t cover pre-existing conditions. To keep the cost of our policies down, we don’t cover heart or cancer related procedures, as these are areas the NHS prioritises. We will cover medical procedures when cancer is suspected but not confirmed e.g. biopsies.
We also don’t cover travel expenses to and from the hospital or treatment centre, or the cost of a private ambulance; Physiotherapy, psychiatry and specialist consultations relating to mental health; cosmetic surgery procedures; or procedures which solely involve needle injections.
Inclusions and exclusions vary between policy levels. For a full list, please read the plan guide of your chosen policy.
The claims process is slightly different depending on the cover level and benefits you choose.
To start, you should always go to see your GP and at the point they refer you to a specialist just give our dedicated team a call to discuss your options.
You can find more information on the How to Claim page and in your plan guide, available on My Westfield.
Pre-existing medical conditions are not covered until you’ve had no symptoms, treatment or advice for two consecutive years from the date your cover starts.
Yes, you have the right to cancel at any time. Your policy contains a 14-day cooling off period from the date we accept your application. If you change your mind during this time, providing that you have not made or intend to make a claim, we will refund your full premium. However, if you cancel after this period we will not refund any premiums paid, and if you have made a claim you will be required to pay the annual premium in full.
With each fixed-price treatment package, inclusions will differ depending on the procedure required.
What remains the same is our commitment to providing harder working health cover.
The package would typically include:
- The consultant surgeon/physician fees
- The anaesthetist fees
- The private hospital charges relating to
- pre admission tests
- the operating theatre
- accommodation either as an in-patient or day case
- personal meals
- drugs and dressings
- in-patient tests
- The cost of treating any surgical complications
relating to the treatment that occur during the operation whilst in
hospital or within 30 days of your original surgical procedure.
(Surgical complications that arise more than 30 days after your
operation will only be covered if they qualify as a separate surgical
procedure, and will be treated as a separate claim).
Read the full plan guide of your chosen policy for full terms and conditions
| Private Health Insurance Level 1 |
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| Private Health Insurance Level 2 |
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