Your Expert Health Insurance Broker in the UK

Private Health Insurance Comparison from PremierPMI

Choosing the right private health insurance plans can be a daunting task, with numerous options available in the market. To simplify the decision-making process, our team of experienced health insurance advisors has conducted a rough estimate based on a healthy 35-year-old individual with a mid-range level of cover and a £100 excess. This price comparison table will help you make an informed choice when selecting a private health insurance plan that suits your needs and budget.

Insurer	Price per month
Aviva Health	£39
AXA Health	£41
Bupa Health	£45
The Exeter	£39
Freedom Health	£40
Vitality Health	£35

Selecting the right health insurance plan is crucial to ensure your well-being and financial security. Our private medical insurance providers in the UK have conducted a preliminary price comparison to assist you in your quest for the ideal coverage. Please contact our advisors for a detailed evaluation and guidance on choosing the plan that best meets your needs and budget.

Private Medical Insurance

Private Medical Insurance (PMI) is an insurance designed to cover the cost of private health treatment for “acute conditions” that develop after the policy has started. Acute conditions are medical issues that require medical attention but are expected to respond quickly to treatment, leading to full recovery. A health insurance policy typically covers conditions that develop after the policy starts, but pre-existing conditions are generally excluded from your health insurance plan.

PMI offers various levels of health plans at different premiums to suit your needs. Private health policies can be tailored by selecting options such as the types of treatments included, the extent of coverage for those treatments, the location of the healthcare facilities and the amount you are willing to contribute toward treatment costs (known as the “excess”). This flexibility allows you to choose a policy that matches your personal medical requirements and budget.  

 PMI generally covers a combination of inpatient and outpatient services, including specialist consultations, diagnostic tests, and other treatments. For example, some policies provide access to private General Practitioner (GP) appointments, allowing you to see a doctor promptly. Diagnostic scans such as Blood tests, PET, CT, MRI and X-rays may also be included, depending on the level of cover you choose.

Medical insurance Broker

Insurance brokers act as a middleman or intermediary between you and insurance providers. Their main role is to help you find the right insurance policy that fits your needs and budget. They often manage the claims process on your behalf, making the entire experience more straightforward and hassle-free.

Brokers offer a wide range of insurance products but are particularly valuable when it comes to specialised policies, such as business, life or health insurance. If you struggle to find affordable insurance due to your risk profile, for example, needing private medical cover with a history of pre-existing or chronic conditions a broker can help identify suitable options for your circumstances.

Is it worth getting health insurance through a broker?

Health insurance can often feel overly complex, largely due to confusing terminology and the lack of standardisation between providers. Each insurer operates under its own conditions, which can make choosing the right policy a challenge. This is where our advisers at PremierPMI can help. With extensive knowledge of the health insurance market, we can guide you through the available options. Our expertise ensures that you understand the terms, conditions and limitations of each policy, giving you the confidence to select the best health insurance policy for your needs.

AXA Health

LoremAXA, a leading insurance provider, operates globally with a solid reputation. Established in 1816, AXA’s UK office, headquartered in London, ensures top-notch service delivery. Renowned for its swift claims settlements and extensive hospital networks, AXA stands out as a preferred choice for reliable insurance coverage.

AVIVA Health

Aviva, headquartered in London, UK, is a multinational insurance company founded in 2000, serving over 30 million customers worldwide. In the UK, it holds the position of the largest general insurer and a leading provider of life and pensions. Renowned for its outstanding cover, especially in cancer treatments. Their commitment to excellence and compassion solidifies their position as a top choice for reliable health insurance in the UK.

BUPA

Established in April 1947, Bupa emerged as one of the leading providers of health funding to the UK public. Originally known as the ‘British United Provident Association,’ it is now a private company without shareholders. Profits are reinvested internally to support employees and foster company growth.

Vitality Health

Vitality, a dynamic UK-based company, is dedicated to enhancing the well-being of individuals through its innovative insurance services, investments, and pension plans. Founded in 2004 as a joint venture between Prudential Plc and Discovery Ltd, Vitality pioneers a unique approach to health insurance, integrating coverage for illnesses with incentives for healthy living, thus empowering individuals to lead healthier, more fulfilling lives.

The Exeter

Exeter is a longstanding UK-based insurance company, founded in 1927 in its namesake city of Exeter, Devon. Specializing in a diverse array of insurance products, including private health insurance, Exeter has maintained its headquarters in Devon since its inception. Following a pivotal merger with Pioneer in 2008, the company rebranded to its current trading name, solidifying its position as a trusted provider in the insurance industry.

Freedom Health

Freedom Health is a well-known health insurance company based in Poole, UK, serving people for almost 19 years. They’re famous for their personalized care and top-notch service. Unlike top health insurance companies UK, they focus on giving flexible options. They cover both local and international clients, making sure everyone gets the care they need, wherever they are.