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Compare some of the UK’s top health insurance providers to help you get a great deal.
You will get a range of quotes within minutes, giving you a simple solution to compare health insurance.
The right cover for you
No matter your circumstances, health or age, you could compare and start saving £££’s today.
A few things you’d like to clear up first? Maybe you’re not sure why it’s worth comparing your health insurance, how long it will take or what cover you need?
Well, then you’re in luck. We’ve written the following answers to questions frequently thought but rarely asked, about finding great deals on your health insurance.
This should not be constructed as advice and is guidance only.
What is health insurance?
Health insurance is designed to cover the cost of private medical treatment for illnesses or injuries.
In most cases, you will pay a monthly premium for your health insurance. When medical treatment is required, the supplier will pay out subject to any excess you choose, up to an agreed cover amount.
There are a number of types of health insurance. Most policies will cover essential treatments, but if you’d prefer to secure specialist therapies and complementary medicines, it is possible to pay for more comprehensive health cover.
It’s worth remembering that certain policies offer to reduce the cost of your cover if you can demonstrate that you lead a healthy lifestyle (e.g. if you go to the gym regularly). Others offer health cash plans, which contribute to your routine healthcare costs. These plans pay out a cash sum when you visit a medical practitioner (such as an optician or dentist).
It is also possible to reduce the cost of your cover by choosing a higher excess. This is the amount you will pay towards the cost of your treatment, so make sure you can afford the excess you choose. An excess can apply each year or against each claim so check the options available.
What’s included in health insurance?
The benefits will vary from policy to policy, but the right one for you will offer you the most flexibility and support when you’re in need.
Look out for these benefits:
- In-patient treatments, such as routine health checks, tests and surgery
- Out-patient care, such as overnight stays
- Cash benefit if private treatment takes place in an NHS ward or facility
- The use of diagnostic equipment
- Cost of appointments, plus the consultant’s time
- Prosthetics and wigs
Nonetheless, what is covered will vary from policy to policy, so carefully compare the benefits and exclusions to find the right one for you.
What things should I consider when choosing a policy?
First off consider what level of cover you want, this ranges from basic to comprehensive cover.
Most healthcare policies also have a tiered pricing level, so for example, access to London hospitals will often be in the highest tier and, therefore, most expensive. You should, therefore, consider how far you may be willing to travel for treatment.
Before buying cover, make sure you find out what it will pay out for. If you opt for a very low cost/basic plan, then the chances are it may only pay hospital admission costs, and not out-patient costs. Seeing as only around one in five referrals by GPs lead to hospital admissions, policies which don’t cover out-patient costs are likely to be much less usable than those that do.
What do I need to compare health insurance?
So you can find the most suitable medical policy, we will need general info such as your address, occupation and whether you smoke, but that’s it. We’ll then show you a list of your options.
Will health insurance cover every illness and injury?
If you’re taken ill with a new condition, or have an accident, the benefits of health insurance will usually help you. If you have a pre-existing condition, getting affordable cover can be tricky, but it’s not impossible if you shop around.
Changing providers mid-treatment or afterwards can also be problematic, as the illness or injury may become a pre-existing condition in the eyes of your new insurer.
Bear in mind that health insurance is very different to a healthcare cash plan, which reimburses appointments and certain treatments at the dentist, optician or physio.