General & Medical health insurance reviewGeneral and medical reviews

  • Up to 2 pre-existing medical conditions
  • Wide range of plans to choose from
  • 24 hour health & wellbeing phone support
  • Our independent review of the General & Medical Health Plan could help you decide whether it's the right plan for you.
In this review: We look at the benefits of a General & Medical plan, the level of cover and whether they are competitive compared to the whole market

About General & Medical health insurance

General & Medical (sometimes also listed as General and Medical) were formed in the 1980s. They originally offered services to the medical professional but over time have evolved into a group providing many types of cover including health insurance to the individual and business sectors.

They are headquartered in Peterborough.

For your peace of mind, General & Medical Health Insurance are regulated by the Financial Conduct Authority (FCA).

How much does a General & Medical plan cost?

Company Monthly Premium Excess Get a quote
WPA £56.79 £250 Compare
Aviva (6 week NHS option) £66.21 £200 Compare
General Medical £76.19 £0 Compare
Vitality £52.54 £250 Compare
AXA £83.31 £250 Compare
Freedom £41.27 £250 Compare
Bupa £70.06 £250 Compare
National Friendly £74.36 £250 Compare
The Exeter £77.81 £250 Compare
Health-on-line (6 week NHS option) £83.31 £250 Compare

Based on male non smoker aged 50 yrs of age - no health questions answered. This is for comparison purposes only & you should obtain a personal health quotation as policies do vary. Correct as at 25/2/22

Types of health insurance available

If you are looking for a health insurance quote, General Medical offer four ranges of health insurance cover;

  • Essentials
  • Everyday
  • Lifestyle
  • Elite

All healthcare plans come with a core level of standard in-patient and out-patient care plus the following additional healthcare services:

  • NHS cash benefit
  • Health and wellbeing services
  • Stress counselling helpline 

The Essentials plan

Essentials and Essentials Plus are designed for individuals and families wanting affordable healthcare on a budget. The plan includes consultation and diagnostic testing that relates to conditions that require in-patient admission; the use of private hospitals for surgery for acute conditions and has an annual maximum benefit level of £50,000 per person.

The Essentials Plus plangeneral and medical health insurance reviews

Like the Essentials healthcare plan but also includes cancer and palliative care treatments, hospice care and a more inclusive range of in-patient benefits.

The Everyday plan

Still for the budget conscious but more comprehensive than the Essentials Plan. This private health insurance policy also includes cancer treatment cover that increases over a five-year period if you don’t make a claim. In addition, there’s out-patient cover for therapies, complimentary medicine and cardiovascular conditions as well as cash benefits and critical illness.

The Everyday Plus plan

By upgrading to the Everyday Plus Plan from General Medical, you receive higher levels of outpatient benefit and cancer treatment in addition to in-patient cover for cardiovascular conditions.

The Lifestyle plan

A more comprehensive health care plan, Lifestyle provides the highest level of cover for inpatient admissions, enhanced cancer care and out-patient benefits. It also includes cash benefits, critical illness and access to a 24 hour a day GP helpline.

The Lifestyle Plus plan

Lifestyle Plus also gives you cover for a private ambulance, home nursing and cash benefits for personal accident and temporary disablement.

In addition, Lifestyle Plus includes medical and transportation costs back to the UK for urgent medical attention if you are ill or injured overseas.

The Elite plan

The Elite Plan is General & Medical’s most comprehensive level of private medical insurance which also includes dentistry, optical care, private GP visits, maternity benefits and costs for boarding pets.


As with all plans there some exclusions depending on your lifestyle and medical history; our health insurance adviser will advise you if any apply to you.

Do you have any existing medical conditions?

General & Medical use various forms of underwriting including Moratorium – meaning that your pre-existing conditions typically won’t be covered for a period of up to five years.

For an additional premium, General Medical provides cover for certain pre-existing medical conditions allowing you to select two pre-defined conditions from their list. You receive an initial cover limit of up to £1,000 in the first year for the conditions, which increases annually to a maximum of £10,000 over 10 years if you have continuous cover and don’t claim.

Some of the key benefits of the General & Medical health insurance plan

  • Flexibility to choose affordable health insurance for you and your family that suits your requirements and budget ighly modular and customisable products meaning that entry-level prices are low
  •  Lifestyle offers and rewards
  • NHS cash benefits where you receive money for choosing the services of the NHS rather than using your private medical insurance
  • Use of up to 750 private hospitals 

You may wish to look at changing your existing health insurance to G&M? 

How to get a General & Medical health insurance quote

You can go direct to General and Medical for a quote or you can use our comparison service through our partner First Choice Health & Protection who will look at the whole of market for you offering the same plans, but ensuring that you get advice on all providers plans that suit your circumstances and budget.

Or you can take a look at other health insurance reviews to compare before getting quotes.

Our advice

Whilst G&M health insurance plans offer various options our advice is to always compare the market and speak to an adviser who will find the best deal to suit you

Our service through First Choice Health & Protection is free to use

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Updated 2nd April 2020 by Ashley Shepherd

Ashley is the founder and managing director at Over50choices. With over 30 years’ experience in financial services, he has held senior roles in building societies, banks and insurance companies.

Ashley Shepherd

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