Flexible Health

Essentials • Premier • Elite

Personal Health Insurance for Individuals and Families

Introducing Flexible Health

Our comprehensive and modular Flexible Health range puts you in control so that you can create exactly the right Policy for your own personal needs. With three Policies to choose from and the additional Optional Extras you will enjoy certainty and peace of mind, whatever life has in store.

Our Premier and Elite Policies have been awarded the Moneyfacts Private Medical Insurance Five Star Rating for 2020.

Essentials

Our entry level surgery only Policy with a maximum annual benefit of £50,000.

A good value surgery-only Policy for fast-track private surgery, offering in-patient and day-patient benefits when you need non-emergency (elective) surgery for a diagnosed medical condition.

Includes benefit towards dental care and optical treatment.

No benefit is available for out-patient treatment/investigations or for cancer surgery.

Maximum annual benefit limit: £50,000 per person.

Premier

Mid-range Policy offering enhanced cover as standard.

Over 62%* of members choose this Policy due to its range of Optional Extras.

Multiple Shared Responsibility ®(co-payment) levels are available.

No maximum annual benefit limit.

* Based on the number of Policies sold across the Flexible Health product range between 01.04.19 and 31.03.20.

Elite

Our most comprehensive Policy – when you want our highest level of cover.

In addition to the in-patient, day-patient and out-patient benefits, Elite also offers valuable cash benefits, such as dental care and optical treatment.

Multiple Shared Responsibility ®(co-payment) levels are available.

No maximum annual benefit limit.

Optional Extra

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Optional Extras

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Optional Extra

Get a quote

Essentials

Our entry level surgery only Policy with a maximum annual benefit of £50,000.

A good value surgery-only Policy for fast-track private surgery, offering in-patient and day-patient benefits when you need non-emergency (elective) surgery for a diagnosed medical condition.

Includes benefit towards dental care and optical treatment.

No benefit is available for out-patient treatment/investigations or for cancer surgery.

Maximum annual benefit limit: £50,000 per person.

Optional Extra

Premier

Mid-range Policy offering enhanced cover as standard.

Over 62%* of members choose this Policy due to its range of Optional Extras.

Multiple Shared Responsibility ®(co-payment) levels are available.

No maximum annual benefit limit.

* Based on the number of Policies sold across the Flexible Health product range between 01.04.19 and 31.03.20.

Optional Extras

Elite

Our most comprehensive Policy – when you want our highest level of cover.

In addition to the in-patient, day-patient and out-patient benefits, Elite also offers valuable cash benefits, such as dental care and optical treatment.

Multiple Shared Responsibility ®(co-payment) levels are available.

No maximum annual benefit limit.

Optional Extra

Shared Responsibility ®

Available on both Premier and Elite cover, Shared Responsibility is an innovative method of co-payment that’s a more customer-friendly version of a traditional excess.

  • 75% of each claim for eligible treatment is paid no matter how small.
  • You share the cost of your treatment with us by contributing 25% towards every eligible claim.
  • Your contribution is ‘capped’ at a level chosen by you per Policy year.
  • We will pay 100% of eligible claims once you reach your chosen level of Shared Responsibility.

The levels available are:

Premier: £250 • £500 • £750 • £1,000 • £1,500 • £3,000 • £5,000

Elite: £500 • £750 • £1,000 • £1,500 • £3,000 • £5,000

What isn't covered?

As with all health insurance there are certain things that are not covered. For a full list of what isn’t covered, please refer to the 'A Guide to Your Policy' in the Download documents section below. It is important to understand that health insurance is not designed to be a replacement for the NHS, but rather to complement it.

Key exclusions include:

  • Pre-existing conditions
  • Long-term chronic conditions
  • Fertility problems, pregnancy and childbirth
  • Mental health conditions
  • Injuries sustained through winter sports

Download documents


All our members are free to choose where, when and who provides them with treatment.

In the UK, we benefit from one of the best healthcare systems in the world. But sometimes you need more, like avoiding long waiting lists for surgery or getting access to cancer treatments not readily available on the NHS. You want the freedom to choose what’s best for you. Some health insurers limit where, when and who can treat you. We believe that’s wrong. It’s your health, so you should be in control.

Our members have access to over 600 hospitals throughout the UK.

Easy to claim

Everyone hopes they’ll never need to use their health insurance. But should the worst happen, and you need to make a claim, you expect your insurance provider to be there for you. When you buy our health insurance, you buy our promise that we’ll deliver.

After you’ve made a claim you’re sent an invitation to rate the service you received from us during the process.

Customers rate our service as 5 star, with an average rating of 4.7 out of 5.

Data recorded between 1st July 2019 and 30th June 2020. 8,401 responses received.

Frequently asked questions

How can we help? Healthcare can be confusing, but we don't think it should be. Choose a topic to find out more.

How do I join WPA?

What is the maximum joining age?

How much does it cost?

What is the maximum annual limit I can claim?

Can I tailor my cover?

Get a quote

Get a quote now and find out how much you would pay.

  • 3 choices of cover and the additional Optional Extras to tailor the policy to fit your needs.
  • Shared Responsibility. An innovative method of co-payment allowing you to take control of your premium.
  • Underwriting choices. You decide how you wish to join WPA (your underwriting method).
  • Discount available to the self-employed or a member of a recognised profession.
Special offer: Partner Goes Free and receive 10% off in the second year.

Partner Goes Free

And receive 10% off in the second year.

Help & advice

Contact us

If you’d rather talk to someone over the telephone, please give our highly trained and experienced UK team a call on 01823 625050.