Best Private Health Insurance Companies in the UK 2024
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Best Health Insurance in the UK
Our health insurance experts conducted research based on reviews to determine the best health insurance in the UK. They recommend policies that provide comprehensive coverage and excellent customer service. With a focus on affordable premiums and a vast network of healthcare providers, these policies ensure access to quality healthcare for individuals and families.
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Private Health Insurance Companies
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Top 5 private health insurance companies in the UK
Explore our comprehensive reviews of the top five private health insurance companies in the UK for 2023. Our reviews provide an in-depth look at each insurer’s unique features and policies. Remember that the best private healthcare coverage varies depending on individual needs, and our reviews may not cover all the details. We suggest consulting a health insurance broker to help find the right plan for you. Contact our health insurance export to receive a free quote and schedule a private health insurance quote and review.
WPA
WPA’s Flexible Health Insurance offers comprehensive private medical care insurance cover with two options to choose from: Premier and Elite. These comprehensive plans offer extensive coverage, including excellent cancer benefits. It provides access to top consultants and hospitals in the UK, including unrestricted consultant choice and most private hospitals. WPA follows a community-rated scheme, where individual claims don’t impact renewal costs.
Their private health insurance covers ensures comprehensive care and access to top healthcare providers in the UK. Their policies also include therapies and dental cover with outpatient cover. company offers discounts of up to 20% for self-employed and professional workers. With high customer satisfaction ratings and non-profit status, WPA is a top choice for private health insurance cover in the UK.
Key benefits of WPA health insurance: Benefits of Bupa:
- Excellent core product with comprehensive coverage
- Shared responsibility excess reduces individual claim costs
- Non-profit organisations investing in member benefits
- Extensive cancer cover for peace of mind
- User-friendly online app for easy claim registration and management
- Therapies and dental cover included as standard
- Access to a wide network of hospitals
- Unrestricted consultant choice for personalised care
- Community-rated scheme for fair pricing and renewals, unaffected by individual claims.
While WPA health insurance offers numerous benefits, it’s important to consider the potential disadvantages:
- No cover for individuals over 65 years old.
- Limited mental health support in the core product.
Reviews
WPA has an excellent rating on Trustpilot, with a score of 4.8 out of 5 from over 1,500 reviews. Additionally, they have received a 5-star rating from Defaqto, which is an independent financial product review and rating service. These ratings indicate a high level of customer satisfaction and confidence in the quality of WPA’s products and services.
Bupa
Bupa’s main private health insurance policy, called the Bupa By You Comprehensive plan, stands out from other insurers in several ways. One important difference is that Bupa provides direct support for cancer without needing a referral from a GP. Through their Bupa Direct Access service, customers can talk to an advisor about their symptoms, who can quickly refer them to a specialist if needed.
Another notable aspect is that Bupa doesn’t have age restrictions for new customers. This means that even if you’re over 65 or 70 years old, you can still get Bupa’s services. Additionally, the Bupa By You Comprehensive plan includes coverage for therapies and mental health as standard, up to a certain limit for outpatient treatments.
These impressive features make Bupa a strong choice for comprehensive health insurance.
Key benefits of BUPA health insurance:
- Comprehensive coverage for both inpatient and outpatient mental health treatment.
- Extensive coverage for acute illnesses
- Direct access to cancer specialists through Bupa Direct Access.
- Coverage for outpatient consultations, scans, and tests
- No age restrictions, catering to customers of all ages.
- 24/7 access to their Digital GP service via Babylon.
- Coverage for outpatient physiotherapy and other therapies
- Choice of three hospital lists: Essential, Extended, and Extended with Central London.
- Families can enjoy a 10% discount on their coverage.
Disadvantages of Bupa:
- No option to safeguard your no-claims discount.
- Limited to Bupa-recognized consultants and private hospitals.
- Full coverage for cancer treatment only applies when using a Bupa-recognized facility.
Reviews
Bupa has a 4.4 out of 5-star rating on Trustpilot, with customers praising their customer service, fast claims processing, and comprehensive coverage. Defaqto rates Bupa’s health insurance policies as 5-star, citing their extensive coverage and access to specialist care.
Our expert says…
“Our brokers highly recommend BUPA health insurance due to its extensive coverage options, including preventive care and specialist treatments. They highlight its reputation for exceptional customer service, affordable premiums, and the ability to access a vast network of healthcare providers, making it a top choice for individuals and families.”
– Stuart Hendy, PMI expert
The Exeter
The Exeter Health+ is an excellent choice for private medical insurance. They provide great coverage and customer service. What makes them unique is that they give you options. You can choose a regular “protectable” discount or a special “community-rated” system that won’t affect your policy renewal if you make a claim.
This is the only company that offers this choice for people aged 70 to 80. The Exeter Health+ is perfect for anyone who wants flexible and reliable health insurance. They focus on innovation and making customers happy. It’s worth considering if you want a good health insurance policy.
Key benefits of The Exeter health insurance:
- Comprahensive Core Cover
- Easy and best for claims pay-out
- Extensive options to tailor a plan
- Comprehensive Cancer Cover
- Option to add-ons for therapies and mental health
- Rewards and Discounts
- Mental health and well-being support through the HealthWise app
- No-claims discount and community-rated schemes
- Family discounts
The key disadvantage of The Exeter:
- You cannot add travel or dental as an option.
Reviews
Exeter has received excellent reviews on Trustpilot and Defaqto, with an average rating of 4.5 out of 5. Customers have praised Exeter for its outstanding service, reliability, and competitive offerings. These positive ratings reflect the company’s commitment to customer satisfaction and its high-quality products in the industry.
AXA Health
Axa has received some of the best reviews in the health insurance market, thanks to its comprehensive coverage that includes inpatient treatment and outpatient treatments at more than 250 hospitals across the UK. Although outpatient cover incurs an additional fee, Axa’s flexible options and vast network make it a top choice for those seeking health insurance. Their commitment to customer satisfaction has made them a great insurer in the eyes of their policyholders.
Key benefits of AXA Health insurance:
- Comprehensive Cancer Cover
- Excellent cover for heart and brain conditions
- Comprehensive diagnostic surgeries, CT, MRI, and PET scans.
- Options for outpatient cover
- Comprehensive cover radiotherapy and chemotherapies
- Quick access to diagnostics
- Wide range of hospital choice
- Speech therapy cover for kids under the age of 14
- 24/4 online service at Doctor at Hand app
- Option for Worldwide travel cover
The key disadvantage of AXA Health:
- Premiums may be relatively higher compared to other health insurance providers.
- The core cover doesn’t include outpatient cover as standard
Reviews
AXA health insurance is highly regarded, receiving an average rating of 4.1 out of 5 on Feefo and Trustpilot. Customers appreciate the extensive coverage, efficient claiming process, and responsive customer support, making it a trusted choice for health insurance.
Vitality
Vitality health insurance is one of the best insurance providers out there, with a five-star rating from Defaqto. They offer rewards for leading a healthy lifestyle, such as discounted gym memberships and free weekly cinema tickets. If you switch to them, you can get a 10% discount with their switch and save the program.
Vitality’s prices are affordable and provide benefits for well-being and specialist treatment, including cancer cover. They also have a team of specialists available to support you in achieving your health goals.
Overall, Vitality health insurance is a great option for those looking for comprehensive coverage that promotes a healthy lifestyle.
Key benefits of Vitality Health insurance:
- Guaranteed full payment of hospital fees and medical specialist charges.
- Virtual appointments, 24/7 medical helpline.
- Amazing rewards and discounts
- Inclusive mental health support; full psychiatric cover optional.
- Comprehensive cancer cover and cancer support are included
- Support for menopause
- Status-based renewal (discounted renewal price with higher status)
The key disadvantage of AXA Health:
- The claims process may be challenging, as per Trustpilot reviews.
- Premiums tied to health and claims; inactivity may result in steeper increases.
Reviews
Vitality, a reputable health insurance provider, has received a rating of 3.9 out of 5 on Trustpilot. Customers have shared their experiences, highlighting both positive and negative aspects. Additionally, Vitality has been awarded the Defaqto rating, reflecting the quality and comprehensiveness of its health insurance reviews and products, further adding to its credibility.
Contact our trained health insurance specialists to analyse the benefits and drawbacks of private medical insurance offered by all UK health insurance companies.
What is private health insurance?
Health insurance is a type of coverage that helps individuals and families manage the costs of medical care. Private health insurance provides access to private healthcare services and facilities. When you take out a health insurance policy, it can cover the expenses associated with private treatments for acute medical conditions. This includes hospital stays and comprehensive outpatient consultations. However, what is covered and excluded by the insurance policy can vary depending on the level of cover you choose and the insurer you select.
Different policies may have different coverage limits, exclusions, and waiting periods. It’s important to carefully review the policy terms and conditions to understand what is included in your coverage and any limitations or restrictions that may apply. Health insurance gives you peace of mind and financial protection by reducing your out-of-pocket expenses for medical services, medications, and treatments.
Benefits of Health Insurance
- Quick access to healthcare, bypassing NHS waiting lists.
- Ability to be seen privately by a consultant or specialist.
- Coverage for private treatment options and not available through the NHS.
- Access to a wide range of drugs and treatments.
- Option for a private room during hospital stays.
- Freedom to choose healthcare providers and access specialists.
- Potential rewards and incentives, such as discounted gym memberships or wellness programs.
What to consider when comparing providers and policies
When comparing UK private health insurance providers, think about what they cover for cancer, mental health, and outpatient services. Also, consider your postcode, medical history, and the hospitals and specialists they work with. These factors affect the cost and how claims are processed. Reviewing these things from different insurers is crucial for choosing the right private health insurance provider, and renewing your policy.
Your postcode
Your postcode can affect the cost of private health insurance premiums in the UK. Major private health insurance policies and providers charge more if you live in metropolitan areas with expensive hospitals or high-claim rates. They may not adjust prices based on location. If you live in London, being treated privately can cost more. Consider these factors to find a health insurance policy that fits you well.
Claims impact renewal premiums
In the UK, claims made on health insurance policies impact renewal premiums. The best private health insurance providers will raise premiums based on the claims history of policyholders. This is done to account for the increased risk and costs associated with providing coverage. It is important to be aware that all insurers will increase premiums, but the extent of the increase can vary. Therefore, it’s advisable to carefully assess different policies and their associated premium rates to make an informed decision that suits your needs and budget.
Access to specialists
Access to specialists can be affected by health insurance policies and may impact the premium. Insurers like Bupa, Axa, and Vitality require policyholders to select consultants from a limited list, reducing options for treatment. This can result in longer waiting times for specific consultants. However, you can upgrade your consultant options by paying an additional fee. It’s worth noting that opting for guided care can reduce your premium, providing a cost-saving advantage, as insurers may argue.
Hospital lists
In the UK, claims made on health insurance policies impact renewal premiums. The best private health insurance providers will raise premiums based on the claims history of policyholders. This is done to account for the increased risk and costs associated with providing coverage. It is important to be aware that all insurers will increase premiums, but the extent of the increase can vary. Therefore, it’s advisable to carefully assess different policies and their associated premium rates to make an informed decision that suits your needs and budget.
Claims impact renewal premiums
In the UK, claims made on health insurance policies impact renewal premiums. The best private health insurance providers will raise premiums based on the claims history of policyholders. This is done to account for the increased risk and costs associated with providing coverage. It is important to be aware that all insurers will increase premiums, but the extent of the increase can vary. Therefore, it’s advisable to carefully assess different policies and their associated premium rates to make an informed decision that suits your needs and budget.
What treatments are covered by insurance companies
Many insurers offer coverage for serious health cover a wide range of treatments, paying for specific procedures. They provide an extensive list of covered procedures, which is a critical benefit. If you are treated privately, insurers will cover the procedure fees, subject to policy terms. In case of a claim, it is advisable to consult with a broker who can guide you through the process and ensure you receive the coverage you are entitled to
Contact our trained health insurance specialists to analyse the benefits and drawbacks of private medical insurance offered by all UK health insurance companies.
Is private health insurance worth it?
Personal health policy can be worth it for individuals in the UK who value faster access to private care, including diagnostics, treatments, and tests. It offers benefits such as choosing specific hospitals or consultants and potentially shorter waiting times. Private health insurance can provide added peace of mind, especially for those concerned about NHS waiting times or seeking additional coverage like cancer care. However, it’s important to consider personal needs, budget, and the availability of NHS services when determining if private health insurance is worth it for an individual.
How much does health insurance cost?
Our experienced health insurance specialists worked out the average price of the health insurance cover from the UK’s top insurance providers:
| Insurer | Individual | Couple | Family of 4 | Save |
|---|---|---|---|---|
| AVIVA | £ 39 | £ 133 | £ 150 | Compare |
| AXA | £ 41 | £ 136 | £ 181 | Compare |
| BUPA | £ 45 | £ 141 | £ 178 | Compare |
| The Exeter | £ 39 | £ 132 | £ 163 | Compare |
| Vitality | £ 38 | £ 128 | £ 154 | Compare |
| Freedom Health | £ 40 | £ 131 | £ 175 | Compare |
How do I buy cheap private health insurance?
To purchase affordable private health insurance in the UK, consider the following tips:
Reduce the level of cover
Assess your needs and opt for a lower-tier plan with essential benefits. This can help lower the premium.
Consider higher excess
Choosing a plan with a higher excess (the amount you pay towards each claim) can reduce the premium. Ensure you can comfortably afford the excess amount if required.
Reduce the hospital list
Some insurers offer plans with a restricted hospital list. Selecting a plan with a more limited network of hospitals can help lower costs.
Downgrade to NHS cancer cover
If you’re comfortable relying on the NHS for cancer treatment, consider downgrading to a plan that offers coverage for other conditions but excludes cancer treatment.
Consider a waiting period
Opting for a plan with a 6-week waiting period can reduce the premium. This means you’ll rely on the NHS for treatment if it becomes necessary within the first 6 weeks of a condition’s diagnosis.
Maintain a healthy lifestyle
Some insurers offer incentives and discounts for policyholders who lead a healthy lifestyle. This could include discounts for non-smokers or rewards for participating in wellness programs.
Pay annually
Paying for your insurance annually instead of monthly can often result in lower overall costs. Axa will reduce your annual premium by 5% if you pay annual amount
Use a broker
Engage the services of an insurance broker who can help you navigate the market and find the best deals on private health insurance.
Remember to carefully review the policy terms and coverage details to ensure that even with cost-saving measures, you have adequate coverage for your needs.
How do I get private healthcare?
To access private healthcare in the UK, rely on PremierPMI’s dedicated health insurance advisors. Our completely free services include helping you choose the best coverage and guiding you through the process. Our advisors will assist you in understanding various options, helping with comparing health insurance quotes, handling claims, and ensuring a smooth experience. Partnering with PremierPMI enables you to benefit from their expertise in obtaining comprehensive private medical insurance and healthcare services in the UK at no additional cost and save money on your premium. Trust us to provide comprehensive support throughout your journey.
Summary
Private health insurance in the UK offers comprehensive coverage and faster access to private healthcare services. The top five providers for 2023 are WPA, Bupa, The Exeter, Axa Health, and Vitality. Each provider has unique features and benefits, such as extensive cancer coverage, mental health support, and flexible options. When comparing providers and policies, consider factors like your postcode, the impact of claims on renewal premiums, hospital lists, access to specialists, and the treatments covered. Private health insurance can be worth it for individuals who prioritize faster access to private care and additional coverage options.
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