Cowes; Ryde; Shanklin residents – compare regional vs national hospital lists; costs; access to Portsmouth and Southampton; and how to pick the right option.
What is a hospital list
Your hospital list determines which clinics; hospitals and consultants you can use. It has a major impact on premiums and convenience.
Regional list – the practical choice for most islanders
- Coverage focus: Portsmouth; Southampton; plus selected island providers.
- Pros: Lower premiums; close to Ryde FastCat and Cowes Red Jet routes; easy scheduling.
- Cons: Fewer London teaching hospitals unless included by exception.
National list – when it makes sense
- Use cases: Complex oncology; rare surgery; or if you regularly work in London.
- Pros: Access to more tertiary centres.
- Cons: Higher premiums you might not use for routine care.
Real price impact
Moving from national to regional lists often cuts premiums meaningfully without affecting core access. Many Isle of Wight residents route complex imaging or surgery to Portsmouth or Southampton anyway.
How to check your consultant is in network
- Ask for the consultant’s provider number; confirm with your insurer before booking.
- For Cowes; Ryde and Bembridge, confirm your plan lists Spire Portsmouth and Southampton private units.
Ferry friendly planning
- Align appointments around FastCat; Hovercraft or Red Jet timetables.
- Choose providers that accept short-notice rescheduling if sailings are disrupted.
FAQ
Can I add London later
Yes – many insurers allow list upgrades at renewal or mid-term with a fee.
Are emergencies included
Private insurance rarely covers A&E; use NHS; then transfer to private care if appropriate.