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Best Private Health Insurance in the UK

Get coverage from the UK’s best private health insurance providers today. We’ll take you through 2018’s top providers and guide you through everything you need to know when getting a private medical insurance policy.

What are the UK’s top 10 best health insurance companies of 2018?

With so many different companies out there, finding the best private health insurer can be a difficult job. That’s why we’ve researched the competition to find out who really are the best health insurance companies in the UK right now:

  • AXA
  • Aviva
  • Bupa
  • Vitality
  • WPA
  • The Exeter
  • Saga
  • General & Medical
  • CS Healthcare
  • Freedom Healthnet

If you know what you’re looking for, simply click on any of these companies to find out more information or get a quote. Alternatively keep reading and we’ll take you through what makes a great insurer and the things you need to be looking out for when choosing between the UK’s best private health insurance providers.

Looking for life insurer? Click here for a list of the UK's best life insurance companies.

What do you get from the best health insurance companies?

Knowing that you are protected in the case of illness or injury can relieve a lot of stress, and this effect is enhanced by knowing the company providing your cover is one of the best in the UK. You won’t have to worry about how you could afford to pay for top-class medical treatment while avoiding lengthy NHS waiting lists with these providers. The best private health insurance (UK) companies all provide:

Peace of Mind

The main benefit you get with health insurance is peace of mind that you will be able to access the best private medical care around if you fall ill. Choosing a reputable insurer that you know will look after you means you can live your life without fear of what’s around the corner. Not only this, you can be sure that the services and hospitals provided by your insurer will be the best of the best.

Great Value for Money

There is no need to think that taking out private medical cover with a big-name insurer has to cost a fortune. Indeed, it is often the case that the best insurers can often offer the lowest prices. This is partly because they have more people paying them premiums, thereby increasing the pool of money they have to pay out claims.

Also, part of the reason why these insurers are so popular is that lots of other people are happy with the prices that they charge. Shop around with a few of the best private health insurers in the UK and you will see that you can get the insurance cover you need at very competitive prices.

Lots of choice

The best UK private health insurance companies all have a wide range of policies to choose from, meaning you can make sure you find cover that suits your needs.

The most important consideration when taking out private medical insurance is what the policy actually covers you for, as each individual policy will have a list of exclusions. With this in mind, being able to choose between a variety of policies means you can find not only the right company, but the right policy.

What should I look for when comparing best health insurance companies?

Finding the right health insurance company involves considering a variety of aspects. When choosing between the best companies issues such as the reliability and reputation of the provider don’t need to be a big concern (although it’s worth investigating their customer service), but here’s a quick summary of the things you want to be considering:

  • 1. Coverage

  • As outlined above, this always has to be your primary concern when choosing between the UK’s best health insurance companies. The single most important thing about your policy is what you are covered for. For instance, if you’re looking for cover specifically for complex conditions such as cancer, then the first thing you want to check is that the provider offers a policy that covers this.

    A standard policy will most often cover in-patient costs (tests, medicine, surgery etc.) but will have limited out-patient services included. Exactly what is covered will depend on the company, even among the top providers.

  • 2. Exclusions

  • It’s as important to know what you aren’t covered for it is knowing what are. Every policy will have a list of exclusions, and these commonly include things such as pre-existing or chronic conditions. We’ll guide you through the exclusions of contained within every policy in our reviews, as you don’t want to find out you’re not covered for something at the point you make a claim.

  • 3. Value

  • We prefer to talk about the value of health insurance policies rather than the price. This is because a cheap policy isn’t always a good one: if you’re paying low premiums but are not covered for what you need, then you’re wasting your money. Once you have figured out what you need to be covered for, and what you’re happy with being excluded, then compare the options that offer that level of cover to find the best deal.

  • 4. Location

  • Different providers will have hospitals in different locations, and access to different private wings of NHS hospitals. For this reason it’s a good idea to check that the company you’re taking out a policy with is able to offer treatment near to you. Especially as you’ll only be claiming on this insurance when you’re not feeling in the best shape.

  • 5. Extra benefits

  • With the best health insurance companies you’ll often find special offers or sign-up bonuses to attract you into taking out a policy. These can be great little extras, but we’ve put this as the last item on the list because you don’t want to be deciding to get one policy over another because of a deal on a Fitbit. Make sure you’re always considering the level of cover, value, and convenience, and only consider any bonuses once those criteria are met.

    Can I get a quote right away?

    Yes, we can help with that. If you need any more information, then head along to our reviews where we go through each policy in-depth. However, if you want to get a quote from one of the top 10 UK health insurance companies now, click the link below and we’ll find you one in a matter of minutes.