Compare Top UK Providers
Save money by comparing quotes from the UK's leading health insurers and get a tailored plan specific to your needs
Health Insurance Quotes Compare The UK's Top Providers
Why compare health insurance with us?
Free Tailored Quotes
Use our simple, secure quote form to answer a few quick questions and compare cover to suit your family and lifestyle
No Obligation To Buy
Review your options with an approved FCA representative, with no pressure to buy and no hidden fees or charges
What Is Private Health Insurance?
Private health insurance, also known as private medical insurance, helps cover the cost of private healthcare. It can give you faster access to eligible treatment, private hospitals, specialist consultations and diagnostic tests, depending on the policy you choose.
How Private Health Insurance Works
With private health insurance, you pay a monthly or annual premium for a policy that helps cover eligible private medical treatment. If you need treatment covered by your policy, your insurer can help arrange access to private healthcare services.
Depending on your cover, this could include specialist consultations, diagnostic scans, hospital treatment, surgery and other healthcare services listed in your policy.
What Private Health Insurance Can Help Cover
Private health insurance can help cover a range of private healthcare costs, depending on your policy. This may include outpatient appointments, diagnostic tests, hospital stays, surgery, cancer care and access to selected private hospitals.
Cover varies between providers, so comparing quotes can help you find a plan that matches your healthcare needs, budget and preferred level of protection.
Cover Options Can Vary
Different private health insurance policies can include different levels of cover, hospital lists, excess options and exclusions. Some plans focus on core inpatient treatment, while others may include outpatient care, therapies, mental health support or wider cancer cover.
Comparing private health insurance quotes can help you understand your options and choose cover that suits you, your family or your business.
Frequently asked questions
Quick answers to common questions about private health insurance
What is private health insurance?
Private health insurance, also known as private medical insurance, helps cover the cost of private healthcare treatment. Depending on your policy, it can provide access to private hospitals, specialist consultations, diagnostic tests and treatments that may not be available through the NHS.
How does private health insurance work?
You choose a level of cover that suits your needs and pay a monthly or annual premium. If you need eligible medical treatment covered by your policy, your insurer can help arrange access to private healthcare services, subject to the terms, limits and exclusions of your policy.
How much does private health insurance cost?
The cost of private health insurance depends on factors such as your age, location, health, lifestyle, level of cover, chosen excess and whether you are covering yourself, your family or employees. Comparing quotes from different providers can help you find suitable cover at a competitive price.
What does private health insurance cover?
Private health insurance can cover a range of healthcare services depending on your policy. This may include specialist consultations, diagnostic tests, hospital treatment, surgery and cancer care. Cover varies between providers, so it is important to check the policy details before choosing a plan.
What is the difference between private health insurance and the NHS?
The NHS provides healthcare services free at the point of use for eligible UK residents, while private health insurance gives you access to private healthcare facilities and services included within your policy. Some people choose private health insurance to access shorter waiting times, private hospitals or a wider choice of specialists.
Can I get private health insurance with a pre-existing medical condition?
Some insurers may offer private health insurance if you have a pre-existing medical condition, although cover may depend on the condition, your medical history and the provider's underwriting rules. Some conditions may be excluded or require additional terms.
Can I get private health insurance for my family?
Yes, many providers offer family private health insurance policies that can cover partners and children. Family cover can help provide access to private healthcare services for multiple members of your household under one policy.
Can businesses provide private health insurance for employees?
Yes, many companies offer private health insurance as an employee benefit. Business health insurance can help provide employees with access to private healthcare and may support employee wellbeing and retention.
Can I choose my own private hospital or specialist?
This depends on your insurer and policy. Some private health insurance plans provide a choice of hospitals and specialists, while others may have restrictions based on provider networks or policy terms.
How do I compare private health insurance quotes?
You can compare private health insurance quotes by looking at the level of cover, monthly premiums, excess options, hospital lists, exclusions and additional benefits. Comparing different providers can help you find a policy that suits your healthcare needs and budget.