Compare My Health Insurance

Strong overall value

"Aviva is often competitive on price while still offering a good level of cover. It can be a strong choice for people who want sensible benefits without overcomplicating the policy."

Flexible cover options

"AXA is well known for customer support and offers a broad range of cover options. It can work well for people who want flexibility, although pricing should always be compared carefully."

AXA uses a shorter 3-year moratorium for most conditions (versus the market-standard 5 years), but extends this to 5 years specifically for diabetes, mental health and PSA-related conditions. See our pre-existing conditions guide for how this compares.

Largest hospital network, recognised brand

"Bupa is one of the most recognised names in private health insurance and probably not as expensive as you might initially think, especially if you're switching after a recent claim. It has invested heavily in digital tools, although cover flexibility should still be compared against other insurers."

Postcode-blind pricing, modular cover

"Freedom can work well for people who want a leaner, more affordable policy without the wellness extras larger insurers bundle in. It's worth watching the renewal pricing closely though, some customers have seen sharp increases in recent years."

Freedom changed ownership in 2024, and several recent reviews describe steep renewal premium increases since then, including cases where a single claim was followed by a significantly higher renewal quote. Worth comparing carefully at renewal rather than assuming continuity with past pricing.

Niche membership-group cover, no medical exam required

"HMCA can be worth a look if you belong to a qualifying membership group, but it's a smaller, more niche insurer, so it's not covered by Defaqto or Which?'s mainstream panels. Its Trustpilot score is more mixed than the larger insurers, and some reviews mention disputes over what counts as a related pre-existing condition, so read the policy wording closely."

5-year guaranteed pricing, unaffected by claims

"National Friendly won't be a familiar name, but the 5-year price guarantee is a genuinely unique feature we haven't seen matched elsewhere. It's particularly worth considering if predictable renewal pricing matters more to you than chasing the cheapest headline premium."

Designed for older customers

"Saga can be worth considering for over-50s, but it's especially important to compare the renewal price, cover limits and underwriting terms against other providers."

Mutual insurer, flexible underwriting

"The Exeter is often a good option for people who want a more personal provider. It can be especially worth reviewing where medical history or pre-existing condition terms matter."

Rewards and wellbeing benefits

"Vitality stands out because it encourages healthy behaviour and offers rewards customers can actively use. It can be especially attractive for people who value lifestyle perks alongside medical cover, less so if you won't actually engage."

Outstanding customer service

"WPA is often one of the highest-rated insurers for customer service. It can be particularly appealing to customers who value a personal experience rather than a large corporate provider."