You’ve always put a premium on staying healthy. Now we have.
The new Lateral Health Plan is over 60s health insurance for those with no intention of stopping. It combines financial cover, smarter navigation and stay-healthy benefits all in one policy, and costs only £150 per month for a 67 year old.
6 reasons to choose the Lateral Health Plan
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.
Fairer approach to pre-existing
Our window for pre-existing conditions is only 2 years, much lower than the market norm. See here.
Annual health check
Every year, you get a comprehensive health check as standard, helping you stay on the front foot.
Nurse-led navigation
Trained nurses help you to navigate your care options, not just any old claims handler.
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
Adding on further tests to your health check package.
We cover you fully within the Lateral Hospital Network, or pay up to our agreed maximum contribution per procedure outside of it.
- Take-home drugs or medicines prescribed on discharge.
- Long-term or repeat prescriptions.
- Dressings, supports, braces, crutches, orthotics or prosthetics for use outside hospital.
- Medical devices or appliances for ongoing management of a condition (e.g. hearing aids, CPAP machines, insulin pumps, oxygen equipment, catheters or stoma supplies).
- Travel costs to or from a hospital.
- Personal items such as telephone calls, newspapers, alcoholic refreshments, cosmetics or personal laundry service.
- Residential stay in a hospital arranged wholly or partly for domestic reasons, or which is not directly related to the treatment of a medical condition.
Cancer
- Consultations or treatment related to cancer.
- Biopsies to investigate potential cancer.
- Diagnostic procedures primarily intended to confirm a cancer diagnosis.
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 registered.
- Mental health treatment, consultations, therapy, or counselling relating to mental health conditions.
- 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).
- Dressings or medical appliances, including hearing aids.
- £100 excess for the first claim during the Policy period.
- Ongoing or maintenance physiotherapy for chronic conditions.
- Self-referred physiotherapy unless carried out through the digital physiotherapy app.
- Alternative or complementary therapies (e.g. chiropractic, osteopathy, acupuncture).
- Treatment for emergency medical conditions.
- Face to face consultation or examination.
- Private referrals or the costs of private specialist consultations or treatments that may follow.
- Private prescriptions costs (the cost of medication itself).
- Routine or repeat prescriptions for chronic conditions.
- Emergency medical treatment.
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.
60-64
£125
65-69
£150
70-74
£175
75-79*
£200
*Must have joined Lateral before the age of 75
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.
You can still make use of all other aspects of your Health Plan.
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.
Bigger picture thinking
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.
We combine financial cover, preventative services, and navigation support all in one policy. This means we can offer you an affordable alternative to traditional private medical insurance through your 60s and 70s. The Lateral Health Plan works to deliver better health outcomes and independence, not just value for money.
What do we mean by wraparound care?
The Lateral Health Plan is designed to complement the NHS, offering private healthcare access where appropriate while supporting NHS care in other areas.
For older adults, complex conditions such as cancer care, long-term chronic condition management, and emergency treatment, are often best managed by the NHS. The UK’s National Health Service is highly experienced and equipped for delivering this kind of care, and using this pathway helps keep your premium lower.
However, as we know, the NHS is under more pressure than ever before. As a result, many elective procedures that improve quality of life can face long NHS waiting times. These include; hernia repair, gall bladder surgery, skin lesion removal, haemorrhoids surgery, cataract surgery and knee or hip replacements.
The Lateral Health Plan focuses on covering these common later-life procedures that deliver significant quality-of-life benefits. You can then get a more prompt diagnosis, referral and access to private hospitals where the treatment can be safely performed.
It’s a first in NHS wraparound health cover, offering you the best of both worlds at a price that can be more affordable than traditional health insurance.
What is nurse-led navigation?
Our Health Plan is underpinned by a nurse-led navigation service. This guides you through your NHS and private options, helping you to make informed choices and avoid delays.
It’s personalised support that replaces the traditional, transactional claims model.
Nurse-led, not claims-led, the service offers personalised support to help you understand your diagnosis and explore treatment pathways. Our case-management nurses work with you to identify the most appropriate care pathway. Then, where possible, they’ll support you to access faster treatment using the NHS e-referral service. This may include arranging appointments in local private hospitals where care is funded by the NHS.
Acting like a care centre, not a call centre, your dedicated nurse can guide you through the whole process. They’ll explain what to expect, help reduce delays within the system, and support you emotionally and practically throughout your care journey.
Annual health checks
The annual health check is a key benefit of the Lateral Health Plan. It’s worth £362 and included at no extra cost to help you proactively manage your health and wellbeing and stay active.
This comprehensive assessment helps you stay on top of your health and identify potential risks early. It's more than just a check-up. This detailed review can spot early signs of conditions like heart disease, diabetes, and kidney diseases.
You'll receive a personalised, easy-to-understand digital health report that explains your results in clear language. This will empower you to take action if anything needs attention.
You need to complete your annual health check each year in order for us to renew your policy. This helps you to track and tailor prompts to improve your health over time, supporting our shared goal of keeping you healthy and active for longer.
Preventative health services
Lateral prioritises people who take an interest in their health, so that we can focus on providing the best care possible. The Lateral Health Plan contains preventative health benefits.
These include digital health services like physiotherapy, virtual GP services along with diet and lifestyle support. They’re popular services for those who want to stay active and independent.
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.
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).
