Add More UK residents are turning to medical cover in today’s climate, driven by long waiting lists.

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Affordability remains a key concern. Entry-level policies can start from £25 per month, especially for healthy individuals. Choosing a higher excess—say £250—can significantly reduce monthly premiums. Some insurers also [offer cashback](https://dre.com.ng/agent/grazyna4253393/) for active users, making it easier to maintain protection.
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Restricted hospital panels are another way to cut costs. By agreeing to use a curated group of hospitals and consultants, policyholders can access simplified referrals. Providers like Aviva offer these networks as part of their core plans.
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Healthcare studies show that over 6.2 million UK residents now hold private policies, with corporate benefits accounting for nearly 85% of all active policies. Individual plans are also increasing year-on-year, especially among freelancers.
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According to the latest Which? report, consumers are increasingly choosing plans that offer customisable benefits. These allow users to select only the services they need—such as mental health support—while skipping extras like chronic condition management to keep premiums low.
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Plenty opt for hybrid. Coverage can include mental health support, with enhancements for outpatient. Monthly costs vary—£55 is typical for younger adults. And yes, discounts for wellness are now expected.
How to Choose the Right Plan
Selecting a policy depends on your health profile. Younger adults may benefit from basic plans, while families often need comprehensive packages. Freelancers and self-employed professionals should look for pause options.