Compare My Health Insurance

Private medical insurance (PMI) offers faster access to specialist care, outpatient and inpatient treatments, diagnostics (e.g. scans and blood tests), and 24/7 private GP support — all outside of NHS waiting lists

Standard cover includes hospital stays, minor surgery, specialist consultations, diagnostic tests (CT scans, x‑rays), and cancer treatment. Optional extras often include outpatient therapy, dental, travel and mental health cover

Most policies exclude pre‑existing conditions or impose waiting periods. If switching providers, you can often continue your medical history with Continued Underwriting—so your exclusions remain consistent across plans

Yes—via Continued Underwriting most insurers honour your existing medical record, meaning you can claim for previously covered conditions without new exclusions

Top UK insurers typically use the same private hospital networks. It’s still wise to check specific hospital access during policy selection or with a broker.

Yes—most insurers look at claims within a 5-year window. Even with recent claims, you can often get cover. Some providers don’t even ask about past claims, though premiums might vary

Switching is usually straightforward using a broker. They’ll manage paperwork, apply Continued Underwriting, and support both the new and old policy transitions with minimal stress

Brokers are FCA-regulated, free to use, and help compare insurers, access better premiums, maintain medical history and provide ongoing support throughout your policy's life

• Family health insurance: Covers all members in one policy, often cheaper per person and includes mental health, diagnostics and hospital care
• Self‑employed cover: Tailored plans, including critical illness and income protection, with potential tax advantages
• Senior cover: Designed for 65+ individuals, often with extended age limits up to 79 or higher depending on provider
• Small company plans: Group schemes for businesses offering tax benefits, GP access, diagnostics, cancer cover and more

Health insurance costs can vary depending on individual circumstances, but as a general rule, new customer plans typically range from £1 to £4 per month for each year of age.
For example, a 40-year-old might pay between £40 and £160 per month. As well as age, final pricing also depends on factors like location and the level of cover chosen.