No — Halifax does not sell standalone private health insurance (private medical insurance). Its insurance range covers home, car, travel and life products, not PMI. The confusion usually comes from two places: Halifax’s packaged current accounts include travel insurance with emergency medical cover, which protects you for medical emergencies abroad but is not health insurance for treatment in the UK, and Halifax sells life and critical illness cover through Scottish Widows, which pays out on death or serious diagnosis but does not fund private treatment. If you want actual private health insurance — fast access to consultations, diagnostics and surgery in UK private hospitals — you would buy it from a specialist insurer such as Bupa, AXA Health, Aviva, Vitality, WPA or The Exeter, and comparing quotes across those insurers is the way to find the right price for your age and situation.

It depends on the product, because Halifax is a Lloyds Banking Group brand and its insurance is provided by group companies and partners rather than by Halifax itself. Home insurance is underwritten by Lloyds Bank General Insurance. Life and critical illness cover is provided by Scottish Widows, the group’s life insurance arm. The travel insurance included with Halifax’s packaged current accounts is administered by AWP Assistance UK Ltd, trading as Allianz Assistance, and underwritten by AWP P&C SA — so travel claims, including medical emergencies abroad and any pre-existing condition declarations, are handled by Allianz Assistance rather than the bank. Breakdown cover on packaged accounts is provided by the AA. None of these arrangements involves private medical insurance, which Halifax does not offer under any underwriter.

It covers emergency medical treatment abroad, which is a different thing from health insurance. The travel insurance on Halifax’s packaged accounts, administered by Allianz Assistance, is designed to pay for emergency care if you fall ill or have an accident while travelling — it does not cover planned treatment, and it does not cover anything in the UK, where the NHS is your emergency safety net. Two details matter: pre-existing medical conditions are not covered unless they have been declared to and accepted by the insurer, sometimes for an extra premium, so travelling undeclared risks a refused claim; and age limits and trip-length limits apply, so it is worth reading the policy document in your online banking before relying on it. For private treatment at home — skipping NHS waits for consultations, scans and surgery — you would need actual private medical insurance, which is a separate product Halifax does not sell.

Buy it directly from a health insurer or compare across the market — banks are not really the natural home for private medical insurance, and none of the big UK high-street banks sells a standalone PMI product. The UK’s main health insurers are Bupa, AXA Health, Aviva, Vitality, WPA and The Exeter, and prices for the same person can vary meaningfully between them because each prices age, postcode and cover options differently. The sensible route is to compare quotes across several insurers at once, decide which hospital list and outpatient cover level you actually need, and check how each policy treats the things that matter to you — cancer cover, mental health support, and excess options. A comparison takes a couple of minutes and shows real prices rather than estimates.