You’ve always put a
premium on staying healthy.
Now we have.

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Happy middle-aged couple wearing jackets and backpacks hugging on a hilltop overlooking a wide rural landscape under a partly cloudy sky.

Why is the Lateral Health Plan different?

The Lateral Health Plan is different, because it’s health insurance designed specifically to support people over 60 in the UK who strive to maintain good health and an active lifestyle - those with no intention of stopping.

We combine private cover, nurse-led support and preventative services all in one policy, working to deliver better health outcomes and independence, not just value for money.

By combining the best of the NHS with private treatment where needed, The Lateral Health Plan is much more affordable than traditional private medical insurance.

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Our key pillars

Affordability
Fast access
Freedom to choose
Physio and Virtual GP
Transparent cover
A human touch
A team already trusted by millions

6 Reasons to choose

Transparent pricing

We want to make private healthcare affordable, and transparent. Our prices are between £125 and £200 per month. See here.

Low excess

Our excess is only £100. Excesses shouldn’t be a barrier to accessing meaningful care.

Fast access

Get an appointment fast, helping you to avoid lengthy waiting lists so you can access the care you need quickly.

Annual health check

The annual health check is a key benefit of the Lateral Health Plan. It’s a comprehensive check-up worth £362, included to help you proactively manage your health and wellbeing and stay active.

Fairer approach to pre-existing

Our window for pre-existing conditions is only 2 years, much lower than the market norm. See here.

Like-minded customers

We try to ensure customers adhere to the same healthy values, ensuring premiums can stay as low as possible, year after year.

What we cover

Here’s what’s included in your Lateral Health Plan

Diagnostics, scans and surgeries

Surgeries in a private hospital up to £50,000

We’ve carefully chosen the procedures we cover from a list of those commonly carried out privately for people over 60, from knee replacements to cataract surgery.
Excess:
£0
More details
What's included:
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    Hospital charges and specialists’ fees directly related to eligible surgical procedures, which are medically necessary to treat acute conditions, in a hospital facility
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    Common procedures included (but not limited to):
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      Bunion correction surgery
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      Cataract surgery
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      Hip replacement
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      Gallbladder surgery
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      Knee replacement
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      Carpal tunnel release
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      Varicose Veins procedures
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    We cover you fully within the Lateral Hospital Network, or pay up to our agreed maximum contribution per procedure outside of it
Limits and restrictions:
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    Minor procedures: up to £5,000 per year
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    Major procedures: up to £50,000 per year
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    Only named surgery codes covered up to a maximum contribution per code
What's not included:
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    Take-home drugs or medicines prescribed on discharge

Private consultations and diagnostic tests up to £2,000

Specialist consultations and diagnostic tests, such as blood tests and scans such as MRI, CT and PET scans and ECGs, X-rays and ultrasounds.
Excess:
£100 for first claim only
More details
What's included:
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    Specialist consultations and diagnostic tests provided they are approved and arranged by our nurses, including:
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      Blood tests
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      MRIs
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      PET
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      ECG
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      X-ray
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      Ultrasound
Limits and restrictions:
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    Up to £2,000 per year.
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    £100 excess for the first claim during each annual policy period
What's not included:
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    Cancer
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      Consultations or treatment related to cancer
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      Biopsies to investigate potential cancer
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      Diagnostic procedures primarily intended to confirm a cancer diagnosis
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    Complementary therapies. Treatment provided by complementary or alternative medicine practitioners (including, but not limited to, acupuncture, chiropractic, osteopathy, homeopathy, naturopathy, Chinese medicine, Ayurveda, herbalism, or reflexology), whether or not the practitioner is registeredd
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    Mental health treatment, consultations, therapy, or counselling relating to mental health conditions
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    Drugs or medicines prescribed for use outside hospital (e.g. once you have been discharged as an inpatient or day-patient, or following an outpatient consultation)
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    Dressings or medical appliances, including hearing aids

Access to care

Healthcare navigation

Lateral’s nurse-led care navigation service is designed to help you make informed decisions and get the most from your healthcare options. They’ll work with you to identify the most appropriate care pathway and, where possible, support you to access faster treatment.
Excess:
£0
More details
What's included:
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    Lateral’s nurse-led care navigation service is designed to wrap around your NHS and private care, helping you get timely access, understand choices, and feel supported
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    Your dedicated nurse can guide you through the system, explain what to expect, help reduce delays, and support you emotionally and practically throughout your care journey
Limits and restrictions:
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    Fair use policy applies

24/7 Virtual GP service

Private GP service is designed to help you get medical advice and treatment quickly. You’ll have convenient, confidential access to experienced GPs anytime, from anywhere.
Excess:
£0
More details
What's included:
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    Private consultations with UK-based GPs
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    24/7 availability
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    Telephone or video consultations available
Limits and restrictions:
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    Fair use policy applies
What's not included:
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    Face-to-face consultations or examinations
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    Private referrals or the costs of private specialist consultations or treatments that may follow
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    Private prescriptions costs (the cost of medication itself)
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    Routine or repeat prescriptions for chronic conditions
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    Emergency medical treatment

Stay-healthy Benefits

Annual health check worth £362

Fully funded annual health check covering over 50 health markers. This will help you understand your key health numbers and identify early signs of conditions such as heart disease, diabetes, kidney diseases, and more.
Excess:
£0
More details
What's included:
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    Fully funded annual health check that will include tests and measurements such as:
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      Blood pressure, pulse and BMI checks
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      Cholesterol and diabetes checks
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      Liver and kidney function tests
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      Vitamin and mineral profiles, including Vitamin D
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      Heart rhythm screening (ECG)
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      Inflammation markers linked to heart disease and other conditions
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    A personalised, easy-to-understand digital health report, explaining your results in clear language and helping you take action if anything needs attention
Limits and restrictions:
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    1 health check per plan year
What's not included:
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    Adding on further tests to your health check package

Physiotherapy

Access to virtual (available within 24-48 hours via a secure video call) and in-person physiotherapy services or hands-on physical treatment.
Excess:
£0
More details
What's included:
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    In person physiotherapy sessions or hands-on physical treatment for new and acute conditions
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    Rapid virtual physiotherapy appointments via secure video call
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    Access to our approved digital physiotherapy service, which provides tailored exercise plans, progress tracking, and remote support
Limits and restrictions:
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    In-person access: Up to 6 sessions per year
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    Virtual access: Up to 6 sessions per year
What's not included:
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    Ongoing or maintenance physiotherapy for chronic conditions
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    Self-referred physiotherapy unless carried out through the digital physiotherapy app
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    Alternative or complementary therapies (e.g. chiropractic, osteopathy, acupuncture)
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    Treatment for emergency medical conditions

Virtual nutritionist service

Tailored nutrition and lifestyle advice, weight management support and specialised dietary guidance, designed to support your long-term health.
Excess:
£0
More details
What's included:
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    Telephone or video consultations with a UK-based dietitian
Limits and restrictions:
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    1 initial assessment and up to 3 follow up sessions per year

Cancer

Virtual cancer support service

Cancer treatment in the UK is best delivered through the NHS, which provides world-class, integrated care across specialist centres and rapid referral pathways. We provide wraparound support alongside your NHS treatment, providing guidance, emotional support and personalised care to help you navigate your cancer journey.
Excess:
£0
More details
What's included:
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    Access to an experienced cancer nurse for support if you are worried about symptoms, facing a diagnosis, undergoing treatment or adjusting to life after cancer
Limits and restrictions:
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    On referral by Lateral
What's not included:
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    Consultations or treatment related to cancer
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    Biopsies or diagnostic procedures to investigate potential cancer, or confirm a cancer diagnosis

How much does it cost?

We all know that the cost of private medical insurance increases with age, and there’s no transparency on how or why those increases happen.

At Lateral, we’re changing that. We publish our prices openly for all to see (including other health insurers), and keep these prices as simple as possible by having just three age ranges, rather than the more typical price increase every year the policyholder ages.

Age range
Price:
£125.00
/ month
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Lateral Health Plan Benefits:
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    Surgeries in a private hospital: up to £50,000 per year for major procedures
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    Private consultations and diagnostic tests up to £2,000 per year
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    Annual health check worth £362
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    24/7 Virtual GP service
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    Nurse-led navigation
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    Physiotherapy & dietitian access
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    Virtual cancer support service
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Our approach to
pre-existing conditions

Like most health insurers, we only cover conditions that develop after your policy has begun, not conditions you already knew about.

At Lateral, we’ve tried to take a fairer approach. Unlike many health insurers, we only consider conditions within the last 2 years to be pre-existing.

Years before cover started

years after cover starting

Any condition that occurred more than 2 years before your policy started, and has not reoccurred since, is not considered to be pre-existing.
This would be covered from day 1 of your policy.
2
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0
Years before cover started
4
-3
2
Any symptom,  condition, diagnosis or treatment that occurs within this 2 year period is not covered for the first 12 months of your policy.
-2
-1
0
Years before cover started
-2
-1
2
Policy start date
No cover during the first 12 months of your policy for any pre-existing condition.
You can still make use of all other aspects of your Health Plan.
2
1
1
0
1
2
Years before cover started
If you have 12 continuous months without symptoms or treatment, this is no-longer a pre-existing condition and is covered under your Lateral Health Plan.
If the condition is chronic, or one of our other policy exclusions (e.g. cancer), then this would not be covered.
2
2
3
2
5
1
2
2
4
5

Years before cover started

policy start date

Years after starting

Full details of our cover including a clear list of pre-existing conditions can be viewed in our Policy wording.

See our Pre-existing conditions FAQs for specific examples.

Frequently asked questions about the Lateral Health Plan

The Lateral Health Plan is a new approach to health insurance for the over 60s. So we know you’ll have questions. Here we answer some of the most commonly asked ones. If you need more, you can call our friendly and knowledgeable team on 0203 826 8898. Lines are open Monday to Friday, 9:00 am to 5:30 pm.

When is the right time to buy?
Who can join the Lateral Health Plan?
What happens when you turn 80?
How much does it cost?
What isn't covered?
Is A&E (Accident and Emergency) included?
What does the plan cover?
What counts as a chronic condition?
What is a pre-existing condition?
Can I keep using the NHS?
Who are our partners?
View all Lateral FAQ's

Like the sound of the Lateral Health Plan?

It takes just a few minutes to check if you qualify and get an online quote. Or you can call us on 0203 826 8898. Lines are open Monday - Friday, 9:00 to 17:30 (excluding bank holidays).

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