Havia combines clinical health screening with private health insurance — using your real health data to price your cover more fairly. The healthier your profile, the less you pay.
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The majority of private health insurance in the UK is through employer group schemes. Go direct and you pay significantly more for the same cover1 — for a product that still does nothing to keep you healthy. Your premium doesn't reflect you at all.
A comprehensive health assessment covering all the markers that matter — bloods, cardiovascular, metabolic — through our partner clinic network.
Continuous monitoring through home testing and wearables keeps your health profile current. Your data is always up to date — and always yours.
Your verified health profile informs your underwriting. A healthier profile means a fairer, lower premium — not an arbitrary rate built for someone else.
As your health improves, your premium reflects it. Havia creates a genuine incentive to invest in your health — with real financial reward.
Comprehensive PMI covering consultants, diagnostics, inpatient and outpatient treatment — without the NHS wait. Cancer treatment and specialist oncology included as standard.
Comprehensive blood panels, cardiovascular risk, metabolic markers — all included in your subscription. No extras.
Your verified biomarker data informs your underwriting. The better your health profile, the fairer your premium.
Know exactly what to focus on to improve your health — and your premium. Clear actions, updated continuously.
Video and async GP consultations — so you can address things early, before they become claims.
Psychiatric consultations, therapy sessions, and mental health inpatient treatment — covered alongside your physical health.
You own your health data. We use it to price your cover fairly — with your explicit, revocable consent. Always.
Comparison based on publicly available plan terms from major UK individual PMI providers as of February 2026. See footnote 4.
Pricing terms: All prices shown are indicative and based on current product planning. Havia is a pre-launch venture; pricing, product features, and availability may change before launch. The £89/month Health + Insurance figure is illustrative of the combined proposition — actual insurance premiums will be individually underwritten and will vary based on your health profile, age, and cover selected. Joining the waitlist is free and creates no payment obligation or contractual commitment. Formal pricing, policy terms, and regulatory disclosures will be provided before any insurance product is offered for purchase.
Join the waitlist. Be first to access Havia when we launch.
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General disclaimer: Havia is a pre-launch venture. Nothing on this page constitutes an offer of insurance, a financial promotion, a contract, or a binding commitment of any kind. Havia Health Ltd is not currently authorised or regulated by the Financial Conduct Authority (FCA). Any future health insurance product will be underwritten by an FCA-authorised insurer and distributed in full compliance with applicable FCA regulations, including the Insurance Conduct of Business Sourcebook (ICOBS). Full policy documentation, terms and conditions, and regulatory disclosures will be provided before any insurance product is made available for purchase. Joining the waitlist is free and creates no obligation.