When it comes to health insurance, many people think only about hospital treatment, consultations, or outpatient care. But today’s providers offer far more, from everyday wellbeing support to unexpected perks that can make your life healthier, and easier.
As your adviser, we want to help you understand not just what’s covered, but what value you can unlock through your health insurance membership. Here’s a guide to the traditional and surprising benefits offered by leading UK providers.
All the main providers, Aviva, Bupa, AXA Health, Vitality, The Exeter, and Benenden Health, offer the core protections you rely on.
- Inpatient and Outpatient Care: Covers hospital stays, surgeries, consultations, and diagnostic tests.
- Mental Health Support: Access to counselling or therapy sessions to maintain emotional wellbeing.
- Cancer Care: Comprehensive coverage for treatments such as chemotherapy and radiotherapy.
- GP Access: 24/7 consultations via phone or video to get advice when you need it.
- Health Screenings: Regular check-ups to spot potential issues early and stay proactive about your health.
These benefits form the foundation of a solid health insurance policy, giving peace of mind for the big, unexpected medical events in life.
Beyond standard hospital cover, many UK health insurers now offer perks that make staying healthy easier.
- Vitality Health rewards members with weekly free or discounted coffee, cinema discounts, cashback on healthy food, and even an Apple Watch for completing health activities.
- Aviva Health provides the DigiCare+ app with mental health support, nutrition advice, wellbeing articles, and exclusive discounts.
- Bupa Health lets members earn points through its Life Rewards Programme
- AXA Health offers discounted gym memberships and reduced-rate health assessments.
- Benenden Health includes employee wellbeing programmes, such as bike loans and EV salary sacrifice schemes, plus free tea and coffee at work.
- The Exeter, via its HealthWise app, provides unlimited remote GP appointments, an annual finger-prick Health MOT, and video consultations with mental health specialists, dietitians, lifestyle coaches, and physiotherapists.
The small perks can encourage healthier habits: making sure you get the most from your policy. That means reviewing your coverage regularly. Plus understanding all the extras available to you.
If you’d like to explore your current health insurance benefits or see what other providers could offer, get in touch today. We can refer you to a trusted partner to help you explore your options and find a policy tailored to your health and budget.
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