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At General & Medical Healthcare, we specialise in offering top-quality Private Health Insurance across the UK and the Channel Islands. With over 35 years of experience, we pride ourselves on delivering first-class customer service, always adhering to our guiding principle:

People first...always.

General & Medical Insurance Ltd is honoured to call St Peter Port, Guernsey our home. We're dedicated to providing exceptional insurance services to our community, right from the heart of this beautiful locale. Discover why thousands trust us to protect their health and well-being. More about our story.

Discover the perfect Medical Insurance Plan for you in the Channel Islands

We offer comprehensive insurance coverage for residents of the Channel Islands.

The islands' healthcare systems operate independently from the UK's National Health Service (NHS), though there are agreements facilitating some cooperation between the two.
Our insurance plans are designed to accommodate these specificities, ensuring that you receive the best possible care tailored to the Channel Islands' distinctive healthcare environment. Contact us today to find the ideal solution for your needs!



Our Islands plan offers comprehensive coverage for the essentials, including inpatient and day-case benefits, cancer treatment, outpatient benefits, mental health cover for counselling and therapy, and maternity care (defined conditions only), all tailored to cover what is most important for your healthcare needs and give peace of mind.

Islands Plus

Islands Plus

Discover the Islands Plus plan, which provides extensive coverage for inpatient and day-case benefits, cancer treatment, hospice care, and outpatient services, including mental health support for counselling and therapy. Additionally, it covers complications of pregnancy under defined conditions.

Islands Elite

Islands Elite

The Islands Elite plan offers comprehensive coverage, including inpatient and day care benefits, cancer treatment, outpatient services, mental health cover for counselling and therapy and exclusive benefits for the Channel Islands, maternity cash benefits, private maternity care, dental, optical, and audiology services.

Compare all of our plans with our Benefits at a glance to find out more.

Channel Island Plan Benefits

Some of the main medical benefits specific to our Channel Islands Healthcare plans are shown below, however when you take health insurance out with us you don’t just get a healthcare policy, we give you a huge range of additional benefits, from exclusive offers and discounts to Health and Wellbeing Support Services.

General Practitioner (GP) Services
Our schemes include benefit for when you need to visit your GP, including cover for consultations and prescription costs incurred when you see your GP in their surgery or where they are incurred at the Emergency Room, as well as and additional amount for minor surgery performed by your GP or at the Emergency Room.

Ambulance Transportation
We include in our cover costs of ambulance transportation within the Bailiwick of your residency, where this is medically necessary, to take you from your home to a hospital (or vice-versa), or to transport you between hospitals to another Bailiwick or the UK mainland.

Parental Accommodation
W​here you have a child included on your cover, who has to travel to another Bailiwick, or to the UK, for treatment covered under your policy we will cover the cost of a return journey, up to policy limits, for you (or a qualified nurse) to accompany your child where they have to stay overnight (or longer) as well as accommodation costs.​​  ​​​

Further Benefits With General & Medical Healthcare

Our Channel Islands Healthcare plans include a range of other useful benefits and services, to support the health of you and your family, or your business.

24 Hour GP Advice Line access, allowing you to speak to a doctor at a time to suit you

Health & Wellbeing Services - including access to the Wisdom App

Only pay for the first child on family plans, all other children are covered for free!*

Faster access to treatment at a wide range of hospitals across the UK

Choice of options and upgrades, allowing covers to be tailored to your unique needs

Exclusive Lifestyle Rewards discounts and benefits programme for a wide range of brands

Get a Quote

If you would like to discuss your requirements or get a quote, please complete the form below and a member of our friendly, experienced team will contact you to discuss our available plans for residents of the Channel Islands.

* Applies where children are included as dependants within an adult’s policy only, and any child selected for the pre-existing condition upgrade will be charged at our full child rate plus the upgrade supplement.

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© 2024 General & Medical Insurance Ltd. Registered in Guernsey No 43984. General & Medical Insurance Ltd are authorised and regulated by The Guernsey Financial Services Commission. Our GFSC Reference is 1028569 and this may be checked at