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6 things you might not know are covered by private health insurance
From mental health support to physiotherapy sessions
From decoding money topics to curating gift guides, Ravi’s writing helps readers save money - and pick the perfect present.
Around 7.29 million people in England were waiting for routine hospital treatment in December 2025, according to the latest NHS performance data, although the overall backlog has fallen to its lowest level since early 2023.
While the picture has improved, long waits remain a concern for many patients and have prompted some to explore private healthcare options.
If you are considering private medical insurance, it is worth understanding what it actually covers.
1. Mental health support
Private health insurance often includes mental health support.
As a health insurance customer, you may be entitled to access help from trained mental health nurses 24/7. Many providers now offer talking therapies as part of their basic plans. This could take place via video or telephone consultation with a qualified specialist.
For more extensive coverage, you may need to buy additional mental health cover. This provides outpatient access to psychiatrists and other mental health professionals without needing a GP referral. This could be especially useful given the long NHS waiting times.
When life is difficult, Samaritans are available day or night, 365 days a year. You can call for free on 116 123, email jo@samaritans.org or visit www.samaritans.org to find your nearest branch.
- Find out more: Best private medical insurance providers
2. Home blood testing kits
Another useful feature covered by private medical insurance is home blood testing kits.
These kits let you monitor important health markers, such as blood sugar, cholesterol, liver function, thyroid, and glucose levels, from the convenience of your home.
Early detection of problems can be life-changing and home testing may help you stay on top of your health and catch issues (though they are best used in partnership with your health provider - see our guide to self-test kits for more).
Be warned, taking your own blood sample is not for the squeamish. Many providers also offer in-person health assessments if you would rather have professional help.
Read more about blood tests and private health insurance.
3. Virtual GP services
Many private medical insurance plans now include access to virtual GPs or digital GP services.
This means you can book phone or video consultations around the clock with GPs through an app or online. This service usually provides medical advice, prescriptions and referrals.
The convenience of getting medical care from home is a big plus for busy people and those who can't leave their homes.
4. Physiotherapy sessions
Physiotherapy is important for recovering from injuries and maintaining physical health.
Many private medical insurance plans cover physiotherapy sessions, either virtually or face-to-face. Access to professional physiotherapy without extra costs can help you recover faster and stay healthy.
- Find out more: Private GP appointments: what to know
5. Personalised menopause support
Around 61% of people in the UK who have experienced menopause or perimenopause symptoms say these have affected their ability to work, including impacts on concentration, confidence and stress levels. That's according to the government’s 2024 to 2025 Survey of Employees and Self-Employed Workers.
To address this, some health insurance policies offer personalised menopause support, including one-on-one messaging and video consultations with menopause practitioners.
This support can help women to manage symptoms and improve their quality of life during this challenging time.
6. Discounted gym memberships and more
Private health insurance often includes extra perks aimed at promoting a healthy lifestyle.
Insurers often offer discounted gym memberships, as well as discounts on coffee, clothing, travel, cinema tickets and more. These benefits can make it easier and more affordable to stay healthy.
To find out more, check out our story on Private medical insurance perks: what's on offer, and are they worth it?
Member exclusive: get health cover, get a £100 John Lewis gift card
Yours when you choose a health insurance policy via LifeSearch.
Compare and chooseOffer ends 1 April 2026, policy must be active for 90 days before gift card is issued, T&Cs apply.
Is it worth buying private health insurance?
While PMI isn't essential, it can be valuable if you want quicker treatment and can afford it.
It can cover treatments not available on the NHS but usually excludes chronic or pre-existing conditions, pregnancy and cosmetic surgery.
If you're not sure about taking out PMI, there is also the option to self-pay for specific treatments. For more information, visit our page on Is private health insurance worth it?
