Compare Health Insurance Cover Quotes

• Underwriting — moratorium, full medical underwriting, or continued personal medical exclusions if you are switching.
• Hospital list — are the hospitals you would actually use included?
• Out-patient cover — full, capped at a monetary limit, or excluded.
• Diagnostics — are scans and tests paid before a diagnosis is confirmed?
• Cancer cover — the level, and whether it includes biological and advanced therapies.
• Mental health and therapies — session or monetary caps.
• Excess — per policy year or per condition.
• Renewal terms — how claims affect next year's premium.

Insurers weight age, postcode and smoker status differently, use different hospital groupings, and set different annual caps. One may include full diagnostics in the core plan while another treats scans as out-patient benefit. Comparing the price alone hides all of that, which is why the checklist above comes first.

Complete the form and we pass your requirements to an FCA-authorised health insurance broker. They will confirm which insurers they can access, gather the medical detail needed to quote accurately, and talk you through the differences. We receive a fee from the broker for the introduction; you pay nothing for it.