Best Health Insurance in the UK: The Reviews

posted 24th February 2025

Posted 3 weeks ago

By Darren Lewis

Knowledge Hub
Best Health Insurance in the UK: The Reviews

Best Health Insurance In The UK: The Reviews

Choosing the right health insurance can feel like a daunting task, especially with a wide array of options available, each provider promising different benefits and levels of cover. How do you determine which insurer is right for you or your family?

Well, one way could be to spend hours sifting through reviews from current customers of each insurer along with expert financial analyst groups, but let's face it—who has the time for that?

Well, don't worry because we've gathered data from the UK's leading review platforms, including Defaqto, Trustpilot, and Which?, to provide you with a simple overall ranking of insurers from 1 to 7 - saving you the time and hassle.

Understanding Review Platforms

As customers strive to find the best value for their money while navigating the complex landscape of financial products, particularly in light of the growing risk of scams, more people are turning to guidance and expert recommendations. As a result, ratings and reviews play a crucial role in shaping our purchasing decisions. This article draws insights from three key resources—Defaqto, Trustpilot, and Which?—that offer invaluable information on financial services products including health insurance, helping consumers to make sound decisions.

What is Trustpilot?
Trustpilot is an online review platform where customers can share their experiences and opinions about various businesses and services. It allows users to read and write reviews, providing a transparent view of customer satisfaction and service quality.

What is Which?
Which? is a well-respected consumer advocacy organisation in the UK that offers independent reviews, comparisons, and advice on a wide range of products and services. It conducts rigorous testing and research to provide consumers with trustworthy information, helping them make informed purchasing decisions.

What is Defaqto?
Defaqto is a UK-based financial research company that provides detailed ratings and analysis of financial products, including insurance policies. By evaluating features, benefits, and customer feedback, Defaqto helps consumers make informed decisions when choosing financial services.

What other ways do we gather feedback?

At Compare My Health Insurance, we collaborate with a network of FCA-regulated Private Health Insurance Brokers dedicated to helping our users find the best policies to suit their needs.

These brokers provide ongoing support throughout the life of each policy, allowing them to build a strong understanding of their customers' preferences and requirements.

We've leveraged this valuable working feedback from the source to enhance our data and improve our guide.

Aviva Health Insurance Reviews

Aviva, one of the UK's largest insurance providers, receives mixed reviews from its health insurance customers. Many policyholders appreciate the company's comprehensive coverage and efficient claims process.

One recurring theme in positive reviews is Aviva's excellent customer service. Customers often mention helpful and knowledgeable staff who guide them through complex policy details and claims procedures. This support seems particularly valuable during stressful health-related situations.

However, some customers express frustration with premium increases over time. This seems to be a common issue across the insurance industry at present.

Aviva's digital tools, including their mobile app and online portal, receive praise for their user-friendliness and convenience. These features allow customers to manage their policies, submit claims, and access health information easily, which contributes to overall satisfaction.

Trustpilot Rating for Aviva.

  • Aviva Health holds a Trustpilot rating of 4.3/5 from almost 44,000 reviews.

Defaqto Rating for Aviva.

  • Aviva's Healthier Solutions policy has been awarded a 5-star Defaqto rating.

Which? Customer Score.

  • Aviva's overall customer score was 68%.

AXA Health Insurance Reviews

AXA Health has mostly positive reviews from its health insurance customers. The company's comprehensive cover is highlighted, along with its flexibility in policy options which allows customers to tailor their plans according to individual needs, offering additional peace of mind to its policyholders.

A frequent commendation in reviews is AXA's extensive network of medical professionals and facilities. This network ensures that policyholders have easy access to a wide range of healthcare services, enhancing their overall healthcare experience.

Customers also appreciate AXA's prompt handling of claims and the attentive support from customer service representatives. This efficient claims process and supportive customer care significantly boost policyholder satisfaction and trust in the brand.

Despite the positives, some customers note that AXA's call handling could be improved with the majority of the recent negative feedback being related to trying to contact them. That being said, AXA's digital tools, such as the online portal and mobile app, are praised for their user-friendliness, enabling policyholders to manage their health insurance effortlessly.

Trustpilot Rating for AXA Health.

  • AXA has a Trustpilot score of 4.1/5 from almost 14,000 reviews.

Defaqto Rating for AXA Health.

  • AXA's Personal Health product has earned a 5-star rating. AXA's Health For You and Inspire Health Plan products hold a 4-star rating.

Which? Customer Score.

  • AXA's overall customer score was 63%.

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BUPA Health Insurance Reviews

BUPA is arguably the most well-known health insurance provider in the UK, receiving generally positive reviews from its customers. Many policyholders value BUPA's extensive range of services and comprehensive coverage options.

Positive reviews frequently highlight BUPA's emphasis on preventative care and health assessments. Customers appreciate the access to a wide network of professionals and facilities, providing reassurance and flexibility in healthcare choices.

While the majority of reviews appear to be positive, some customers have raised concerns regarding issues encountered when making a claim. Many have suggested that the claims handling process could benefit from improvements.

BUPA's online resources and digital services are commended for their ease of use, allowing policyholders to manage their accounts, book appointments, and access information efficiently. This contributes significantly to overall customer satisfaction.

Trustpilot Rating for BUPA.

  • BUPA UK Insurance holds a Trustpilot score of 4.4/5 from almost 31,000 reviews.

Defaqto Rating for BUPA.

  • BUPA's Comprehensive health insurance product has a 5-star rating. While the Treatment and Care policy has a 3-star rating.

Which? Customer Score.

  • BUPA's overall customer score was 61%

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Saga Health Insurance Reviews

Customer feedback regarding Saga insurance services reveals a range of experiences, with significant concerns raised alongside some positive interactions. A major issue highlighted is the steep increase in renewal quotes, exemplified by one customer whose insurance renewal had increased tenfold, prompting frustration and a decision to switch providers after seven years.

While many customers appreciated the prompt response from customer service representatives, there were complaints about unresolved issues, such as promised callbacks that never materialised. Some users expressed dissatisfaction with specific policy limitations, particularly regarding insurance coverage and online account setup difficulties.

However, there were also commendations for individual advisors, who provided helpful and friendly service. Overall, while some customers experienced excellent service and effective support, others faced significant challenges that have led to a lack of trust in Saga's offerings.

Trustpilot Rating for Saga.

  • Saga PLC has a Trustpilot score of 3.8/5 from almost 40,000 reviews.

Defaqto Rating for Saga.

  • Saga's HealthPlan Super has a 5-star Defaqto rating. The Saga Saver and Saga Secure have a 3-star rating and Saga Support has a 2-star rating.

Which? Customer Score.

  • Saga's overall customer score was 60%

The Exeter Health Insurance Reviews

The Exeter, perhaps a lesser-known provider compared to some industry giants, receives generally positive reviews from its health insurance customers. Many policyholders appreciate the company's mutual status and feel this is reflected when it comes to paying for claims. The Exeter's claims process is generally described as smooth and efficient in customer reviews.

Policyholders often mention quick turnaround times and helpful support from claims handlers, which contributes to overall satisfaction with the service. One frequently mentioned positive aspect is The Exeter's coverage for pre-existing conditions. Unlike many insurers, The Exeter offers options for covering certain pre-existing conditions after a waiting period, which many customers find valuable and inclusive.

The company's Health+ product, which combines private medical insurance with additional health and wellbeing services, receives praise in reviews. Customers appreciate the holistic approach to health, including access to virtual GP services and mental health support.

However, as with the other insurers, some reviews mention that The Exeter's premiums can increase significantly at renewal time. While this is a common issue in the industry, it seems to be a point of frustration for some policyholders.

Trustpilot Rating for The Exeter.

  • The Exeter holds a Trustpilot rating of 4.2/5 from almost 1100 reviews.

Defaqto Rating for The Exeter.

  • The Exeter's Health+ has a 5-star Defaqto rating.

Which? Customer Score.

  • The Exeter does not currently hold a Which? customer score.

Vitality Health Insurance Reviews

Vitality is recognised for its innovative mix of health cover and lifestyle benefits. Many customers appreciate Vitality's unique approach, which not only addresses medical needs but also incentivises healthy living.

A frequently highlighted positive aspect is Vitality's rewards programme, encouraging policyholders to adopt a healthier lifestyle through discounts and benefits on fitness products and activities. This distinctive strategy is praised for motivating individuals to engage in healthier behaviours, potentially reducing future healthcare costs.

However, some customers have expressed concerns regarding the poor claims feedback, indicating frustrations with the claims process and communication. Additionally, the complexity of the rewards programme app and the criteria needed to qualify for certain benefits can be confusing for some.

Trustpilot Rating for Vitality Health.

  • Vitality holds a Trustpilot rating of 4.4/5 from almost 50,000 reviews.

Defaqto Rating for Vitality Health.

  • Vitality's Personal Health product is rated 5-stars by Defaqto.

Which? Customer Score.

  • Vitality's overall customer score was 55%

WPA Health Insurance Reviews

Western Provident Association (WPA) health insurance reviews generally paint a positive picture of the provider. Customers frequently commend WPA for its transparent policies and straightforward approach to health insurance.

One standout feature mentioned in many reviews is WPA's unique shared responsibility option. This allows policyholders to pay a percentage of their claim up to an agreed annual limit, potentially reducing premiums. Many customers appreciate this flexibility and find it offers good value for money.

WPA's customer service also receives high marks in reviews. Policyholders often describe interactions with staff as personal and caring, with representatives taking the time to explain complex policy details clearly. This level of service seems to be consistent across various touch-points, from initial enquiries to claims processing.

However, some customers note that WPA's premiums can be higher than those of larger insurers. The company's not-for-profit status is viewed positively by some customers, who believe it allows WPA to prioritise policyholder interests.

Trustpilot Rating for WPA.

  • WPA holds a Trustpilot rating of 4.6/5 from almost 4000 reviews.

Defaqto Rating for WPA.

  • WPA Complete Health product has a 5-star Defaqto rating.

Which? Customer Score.

  • WPA's overall customer score was 74% (Which? Recommended provider two years running)

Scores on the doors

We have compiled data from leading review and analysis websites to generate an overall ranking of the top seven UK health insurance providers for individual health insurance, scoring them from 1 to 7.
In instances where Defaqto assigned different scores to various insurer products, we calculated an average score for all of the individual provider's offerings. For insurers with the same Trustpilot rating, we have awarded the higher point to the one with the most reviews.

Insurer Trustpilot Rating Which? Score Defaqto Rating Overall Rank
Aviva Health 4.3 out of 5 68% 5 Stars 2nd
AXA Health 4.1 out of 5 63% 4.3 Stars 3rd
BUPA 4.4 out of 5 61% 4 Stars 4th
Saga 3.8 out of 5 60% 3.25 Stars 7th
The Exeter 4.2 out of 5 N/A 5 Stars 6th
Vitality Health 4.4 out of 5 55% 5 Stars 5th
WPA 4.6 out of 5 74% 5 Stars 1st

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How We Can Help?

Navigating the options available in the private healthcare market can be daunting. This is where Compare My Health Insurance can be invaluable. Working with a network of FCA-regulated brokers, Compare My Health Insurance helps you:

  • Compare policies from various providers to find the best value for money.
  • Customise your search based on specific needs and budget.
  • Access expert reviews and customer feedback to make informed decisions.
  • Stay updated with real-time changes in the market, including insurer product changes and rate reviews.
  • Get tips on how to save on health insurance, such as taking advantage of discounts and provider offers.
  • Receive personalised assistance from our network of FCA-regulated brokers who can guide you through the process and help you find a policy that fits your needs and budget.

Compare My Health Insurance is rated excellent by its users on Trust Index, we ensure you receive an outstanding experience when looking for your health insurance.

Source: TrustPilot, Defaqto, Forbes, Which?
Review score data accurate as of February 2025.

Any information we provide is for general information purposes only and should not be taken as financial advice.

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