1. Tell us what you need
Complete the short form above. There is no obligation to proceed at any point.
Medical insurance
Compare Medical Insurance Quotes
Medical insurance funds private diagnosis and treatment for conditions that arise after your policy starts. Complete the form and we will introduce you to an FCA-authorised broker who can quote on it.
- Cover for new conditions, including consultations, diagnostics and surgery
- Add mental health, therapies, dental or optical if you need them
- Individual, couple and family plans available
Quote request · 2 minutes
Tell us what cover you need
- Your details
- About your cover — complete
- Consent
How it works
2. We match your enquiry
We pass your details to an FCA-authorised health insurance broker whose panel suits your requirements.
3. You get advice and a quote
The broker compares the insurers available to them, explains the exclusions, and quotes on cover that fits.
What medical insurance is for
The purpose of medical insurance is to remove the cost barrier to private treatment. Instead of paying several thousand pounds for a procedure, you pay a premium and the insurer funds eligible care up to the limits you have chosen. The trade-off is that the insurer defines what counts as eligible, and that definition is what you should read carefully.
Medical insurance versus other health products
- Medical insurance pays for private treatment of new conditions.
- Health cash plans refund small, everyday health costs.
- Critical illness cover pays a lump sum on diagnosis of a listed condition; it does not pay for treatment.
- Income protection replaces part of your income if illness stops you working.
Getting an accurate quote
Quotes are only as accurate as the information behind them. Give your correct date of birth, postcode and smoker status, and be candid about medical history when the broker asks. Under-declaring keeps the quote low and risks the claim being refused later — the insurer relies entirely on what you disclose.
Usually within scope
- Specialist consultations and diagnostic tests, subject to module and limits
- Day-case and in-patient surgery in a private hospital
- Cancer treatment at your chosen level of cover
- Optional mental health and therapies cover
Usually outside scope
- • Anything relating to a pre-existing condition
- • Long-term management of chronic illness
- • Emergency treatment and ambulance callouts
- • Self-inflicted injury, and treatment outside the policy territory
Cover, limits and exclusions vary between insurers and policies. Your broker will confirm exactly what is and is not covered before you buy.
Frequently asked questions
Related pages
Ready to see what cover would cost?
Complete the form at the top of this page. We will pass your enquiry to an FCA-authorised broker who can quote on private medical cover for you.