Health Insurance Quotes Guides

Private Health Insurance - The Basics

With Health Insurance or Private Medical Insurance you pay a monthly or annual premium and if you require treatment for an eligible condition you can claim through the policy which will pick up the associated fees for you to be treated privately, in a private hospital.

Health Insurance can also pick up the costs of the initial consultation, diagnosis and aftercare of a claim which can all be arranged much quicker than via the NHS, with appointment flexibility to suit you

What's Covered?

Usually As Standard

  • In-patient hospital treatment, diagnostic tests and consultations
  • Day patient treatment, diagnostic tests and consultations
  • MRI/CT/PET scans
  • Private Cancer Cover once diagnosed


  • Outpatient consultations and diagnostic tests
  • Therapies such as physiotherapy
  • Dental Cover
  • Travel Cover
  • Mental Health Cover


  • Chronic conditions
  • Emergency care
  • Cosmetic procedures
  • Pregnancy and childbirth
  • Substance misuse
  • Routine and elective checks
  • Some pre-existing conditions

Leading UK Insurers



Originally Norwich Union, Aviva are regarded as being the largest overall insurer in the UK with over 15 million customers. They have won the “Health Insurance Company of the Year” award on numerous occasions. Their Healthier Solutions product is rated…

AXA Health


AXA PPP Healthcare have been in the market since 1940 and are one of the leading choices for many customers. Their Personal Health product is rated 5 stars by Defaqto. AXA Health UK is a leading health insurance provider that offers…



Since being established in 1947 BUPA has amassed more than 15 million health insurance customers and is considered as the largest health insurer in the UK. Today BUPA provide market-leading cancer cover and is groundbreaking in its mental cover offering.…

Vitality Health


Rebranded in 2014 they were originally Pru Health, Vitality Health is a leading health insurance provider that offers a unique approach to health and wellbeing. Their innovative insurance products are designed to incentivize and reward individuals for leading a healthy…

The Exeter


Formerly known as Exeter Family Friendly, The Exeter is a non-profit organisation without shareholders. The benefit to customer sis that this helps them to keep costs down. Their Health + policy is rated 5 stars by Defaqto.



WPA is a non-profit organisation which means money can be reinvested into the business to create a better customer experience. They have a shared responsibility element of cover which allows the client to make a co-payment for treatment costs, this…

Freedom Health Insurance


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General Medical


General and Medical were established in the 1980s initially providing finance, leasing and general insurance services primarily to the medical professions within the UK. Today, the General and Medical Group has evolved to become a significant provider of insured and non-insured…

Typical claims process

GP referral

All providers require you to visit your GP so they can refer you for treatment before starting your claim.

Specialist Consultation

Your GP has referred you for specialist treatment as an outpatient which usually includes an initial consultation and diagnostic test to determine whether further treatment is required.

Hospital treatment

If further treatment is required it is likely this will be in the hospital as an IN or DAY patient for example an operation. This could either be in a private hospital or an NHS hospital with private facilities.

Follow up visits

After your treatment, you may be required to have a follow up with the specialist to review your treatment and you may need some rehabilitative therapies as part of your recovery such as physiotherapy.


When your specialist is happy with your recovery you will be signed off from check-ups and treatment and you will be discharged - at this point your claim with the insurer will finish.

What Affects Your Health Insurance Cost?

  • Your Age
  • Your Smoker Status
  • Your Postcode
  • The Amount Of Cover You Choose
  • Some Insurers Offer A Discount if You're Healthy

The Three Stages Of Treatment


An appointment or minor treatment at a hospital or clinic that doesn't require admission or a bed. Normally A specialist consultation and diagnostic tests may to diagnose the complaint.

Day Patient

A patient who is admitted to a hospital because they need diagnostic tests or treatment, but they do not stay overnight. This is sometimes referred to as a day case and an example would be cataract surgery


Admission to hospital for treatment that requires a bed for an overnight stay for example complex surgery or a serious illness that requires substantial monitoring.

Underwriting options

When you take out a new health insurance policy the insurer may ask you some medical questions and they will underwrite your policy, this determines how they will cover you for your pre-existing medical conditions. There are two main types of medical underwriting, these are..

Full Medical Underwriting (FMU)

In depth medical questionnaire whereby, you will be asked to give details of medical history. In some instances, with your consent, the insurer may contact your GP requesting more information but often this is this isn't required. The insurer will tell you which medical conditions they will and won't cover you for before you take out the policy. You may have certain medical exclusions written into your policy with this underwriting method.

Moratorium (MORI)

With this you do not need to tell the insurer about your medical history when you take out the policy. The insurers will not cover you for any medical condition you have had treatment for, medication, advice or had symptoms of within 5 years of the policy start date. Should any condition fall into that category then it will be excluded for a minimum of 2 years. If after the start date you go 2 years without any further treatment, medication, advice or symptoms then after 2 years the condition will be covered again.

What customers love about our service

  • No Pushy Salespeople
  • Personalised Service With A Dedicated Advisor
  • Best Prices On The Market
  • 5 Star Defaqto Rated Insurers
  • No Fee's
  • Ongoing Support
  • Partnerships With Top-Rated Advisors

Frequently asked questions

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