Kindred Health is a UK-based private health insurance provider launched in 2023 by Alliance Health Group, a doctor-led cooperative established in 2004.
With nearly two decades of experience delivering healthcare services to major UK brands, Kindred now offers its expertise directly to individuals and families.
The company emphasizes a human-centered approach ensuring that members receive swift access to consultants and treatments.
Kindred's comprehensive policy includes benefits such as virtual GP consultations, mental health support, physiotherapy referrals, and full cancer care.
Notably, the insurer allows up to five children under 18 to be included in a policy at no extra cost. By focusing solely on healthcare and being
managed by medical professionals rather than accountants, Kindred aims to provide compassionate, efficient, and straightforward health insurance solutions for its members.
Kindred Health is a UK private health insurance provider launched in 2023 by Alliance Health Group, a doctor-led cooperative founded in 2004. Originally focused on delivering clinical services to major UK brands, Alliance created Kindred to offer individuals and families direct access to consultant-led, patient-first care. Managed by medical professionals, Kindred emphasizes swift access to treatment, virtual GP services, full cancer care, and mental health support. Its mission is to provide straightforward, compassionate health insurance grounded in clinical expertise.
Kindred Health offers a comprehensive UK private health insurance policy designed for individuals and families, with coverage of up to £5 million per person annually. The plan includes consultations, diagnostics, inpatient and day-patient treatments, full cancer care, physiotherapy, and mental health support, including up to 10 CBT sessions per year. Members benefit from virtual GP access, a network of over 800 private and NHS hospitals, and flexible underwriting options. A standout feature is the inclusion of up to five children under 18 at no extra cost, making it a family-friendly and accessible health insurance option.
Virtual GP Access: Members can consult GPs remotely for quick advice, referrals, and prescriptions—improving speed of care and convenience.
Family Friendly: Kindred allows up to five children under 18 to be included at no extra cost, making it ideal for families.
Doctor Led Provider: Operated by Alliance Health Group, a doctor-led cooperative, ensuring clinical experience informs every part of the service.
Mental Health Support: Offers up to 10 sessions of Cognitive Behavioural Therapy (CBT) per year as part of the core plan.
We’re a kind and caring bunch of humans. We take the time to listen to your concerns and make sure you feel supported every step of the way.
Everyone at Kindred from our care team to consultants are experts who know the healthcare system and how to get the best outcome for you.
We’ve fine-tuned our processes to be as slick as possible, so you get rapid decisions, diagnoses and treatment.
Your health should be in your hands Kindred are here to support and guide you every step of the way.
| Benefit | Details |
|---|---|
| In-patient treatment | Full cover for Operating theatre, surgeon, physician and anesthetist fees. Full cover for Diagnostic tests including ECG, CT, MRI and PET scans. Ancillary charges, appliance and eligible prosthesis and oral surgery. |
| Out-patient treatment | Consultant consultations, diagnostic tests. ECG, CT, MRI and PET scans. Physiotherapy - 10 sessions through a Kindred physio partner. Chiropractic, osteopathy, podiatry. |
| Cancer cover | Consultations and Diagnostics. Radiotherapy and chemotherapy. Hospital accomodation and nursing care. Surgeon, physician and anaesthetist fees. Ancillary charges. Specialist Consultations. Diagnostic tests including ECG, CT, MRI and PET scans. Specialist cancer drug costs. |
| Additional Benefits | Kindred Health policies offers a range of additional benefits and options: NHS cash benefit. Home nursing. Private ambulance. Parent accommodation. Cognitive behavioural therapy. |
As with most health insurers Kindred Health have three options you can choose from for how your policy is underwritten:
Moratorium: No requirement for detailed medical history upfront, a moratorium period of two years is in place for any condition for which you have experienced symptoms or received treatment for in the last five years.
Full medical underwriting: Full medical underwriting means you disclose your full medical history when applying, allowing the insurer to assess and confirm which conditions are covered or excluded from the start.
Continued medical exclusions (Switch): You will need to answer a few questions regarding your medical history in the last five years and some questions on specific health conditions. The underwriting will transfer from your previous insurer rather than being re-underwritten. This option is only available to those with an existing health insurance policy with another insurer.
For more definitions of terms, please see our glossary.
An excess is the amount you will pay towards a claim, the higher the excess you choose the lower the premium will be. Kindred offer the following excess options:
£0, £100, £250, £500 or £1,000.
The excess is available per person per year if you claim and per claim for an additional reduction in your premium.
Choosing the right hospital list ensures you have access to facilities you require, Kindred has two hospital lists:
Essential and Essential Plus.
How Kindreds Hospital List works:
Your chosen hospital list stipulates which locations are available to you; however, the final decision is made by Kindred unless there is an otherwise valid medical reason. Any locations that are not listed, are not covered by the policy. Kindred will find the most appropriate location for you based on the consultant’s specialty, which will normally be within a thirty (30) mile radius of your home.
Health insurance does not cover accident and emergency situations. Most leading health insurers do not cover treatment overseas, self-inflicted injury and professional sports related injuries are also not covered on a health insurance policy.
As with most health insurers Kindred's exclusions are very standard, they do not routinely cover:
Allergies, allergic disorders or food intolerances.
Birth control, conception, sexual problems and gender reassignment.
Chronic Conditions.
Contamination, wars, riots and some terrorist acts.
Cosmetic Surgery.
Fertility treatment and infertility.
Pre-existing conditions.
Pregnancy and childbirth.
Navigating health insurance especially understanding what’s covered can be complex, but our expert advisors are here to guide you in choosing the right policy and underwriting option for your needs.
Like all health insurance providers, Kindred considers a range of factors when calculating the cost of your private health
cover—some of which you can influence, and others that are fixed.
Kindred offers a customisable health insurance policy that you can tailor to suit your individual needs and budget. By adjusting options such as out-patient
cover levels, hospital lists, and the excess amount, you can manage the scope of your coverage and influence the cost of your premium.
In addition to your policy choice, here are several key factors Kindred takes into account when generating your quote:
Age: Age is one of the most significant factors—the older you are, the higher your premium tends to be. Taking out insurance early is a smart way to control future costs.
Who's covered: Including family members on your policy will result in higher premiums. Insurers do offer varying discounts for couples and familys.
Location: Where you live can impact pricing. Health insurance tends to be more expensive in London and the South East, where private treatment costs are typically higher.
Level of Cover: Comprehensive cover (e.g., private diagnosis and treatment) costs more than basic or treatment-only options. Extras like mental health cover, dental, and optical benefits increase the overall premium.
Excess Level: The higher the excess (the amount you agree to pay toward a claim), the lower your monthly premium will be. Choosing a high excess can reduce upfront costs.
Lifestyle and BMI: Most insurers now offer discounts based upon health and lifestyle. Your body mass index (BMI), fitness level, health conditions, and other lifestyle choices can affect your premium.
Smoking Status: Nearly all insurers charge higher premiums to smokers, reflecting the greater risk of illnesses such as cancer, heart disease, and respiratory conditions.
Hospital and Consultant Access: Choosing a wider hospital network or the ability to select any consultant usually costs more. Guided care or restricted networks lower costs by limiting provider options.
Understanding the key factors that affect your premium can help you take control of your health insurance costs. At Insured Health, we’re committed to supporting you throughout the life of your policy—helping you preserve the valuable benefits of private healthcare. We offer some the most competitive prices on the market, guaranteed not to be beaten elsewhere. Ready to take the next step? Get your personalised quote today.
What are the benefits of health insurance?
The main benefit of health insurance is that it gives you access to private healthcare. You can often bypass long NHS waiting times and receive prompt diagnosis and treatment getting you back to health sooner.
How does private health insurance work?
You’ll usually pay monthly or yearly for your cover. Then, if you become unwell or are injured, you can make a claim. Your insurer will then pay some or all of the cost of any private healthcare that you need.
How do you make a claim on health insurance?
Most insurers require a GP referral before you access private treatment. Some offer online GP appointments or allow direct access to specialists through a triage process. In most cases, you’ll need authorisation before seeing a specialist. The insurer usually pays the provider directly, though you may cover any excess or costs beyond your policy limits.
Will my premium increase every year?
Premiums can rise annually due to age and inflation in medical costs. Making a claim on your policy can impact your premium. If you've noticed an increase, speak to one of our advisers today.
I have medical history can I get cover?
Yes, you can still get health insurance if you have a medical history, but it may affect what’s covered. Some conditions you’ve had treatment or symptoms for may not be included right away. Depending on the policy, these conditions could be covered later if you don’t need any treatment for them. Speak to one of our advisers who can help find the right policy for your needs.
How much does private health insurance cost?
Costs vary based on factors such as your age, health, location, level of cover, and excess amount. Policies can range from under £30 per month to several hundred, depending on these variables. For an accurate price speak to one of our advisers today.
At Insured Health, we help you compare prices and cover from top UK health insurance providers like Aviva, AXA, Bupa and Vitality. Our service is completely free, and we remain fully independent and impartial to ensure you get the best advice for your needs.
Our expert, approachable advisers are here to guide you through every step with ease. They’ll take the time to understand your personal needs, compare prices and policies on your behalf, and provide clear, honest advice to help you find the best and most affordable cover.
Whether you're exploring health insurance options or already have cover and want to ensure you're getting the best deal, Insured Health is a trusted health insurance broker
We offer the most competitive prices available from insurers, you will not get a cheaper price for health insurance elsewhere.
Our service is entirely free, and we pride ourselves on being independent and impartial.
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At Insured Health, our customers trust us to make finding the right health insurance simple and stress-free. They consistently praise our knowledgeable, patient advisors who take the time to understand individual needs and provide clear, pressure-free guidance. Reviewers value our competitive pricing, better coverage options, and annual policy reviews that ensure lasting value. By comparing top UK providers, we deliver transparent, personalised service that gives customers confidence, peace of mind, and exceptional care.
