Cheap Private Health Insurance UK With No Waiting Period: Honest Guide (2026)
Clare, 42, a freelance designer from Birmingham, noticed her knee locking up after a run. Her GP referred her to an orthopaedic specialist. The NHS waiting time: 14 months. She bought private health insurance the following week — moratorium underwriting, no medical questionnaire — and was seen by a specialist within 3 weeks. Her knee…