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Private health insurance
Compare Private Health Insurance Quotes
Private health insurance gives you a funded route to private diagnosis and treatment for new conditions. Tell us who needs cover and we will introduce you to an FCA-authorised broker who can quote.
- Cover for yourself, you and your partner, or the whole family on one plan
- Choose the hospital list, excess and modules that fit your budget
- An FCA-authorised broker explains how your medical history would be underwritten
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.
How a private health insurance plan is put together
Every plan starts with a core section that pays for in-patient and day-patient treatment: hospital charges, theatre fees and the consultant's fees for eligible treatment. From there you decide how much of the rest to buy.
- Out-patient cover — consultations, diagnostics and scans without an overnight stay. Often the biggest single lever on price.
- Hospital list — a narrower list of hospitals reduces the premium; a wider list adds central London and premium private hospitals.
- Excess — the amount you pay per policy year before the insurer pays. A higher excess lowers the premium.
- Optional modules — mental health, therapies, dental and optical, and travel cover on some plans.
What affects the price you are quoted
Insurers price on age, where you live, whether you smoke, the number of people on the plan and the options you choose. Claims history and any no-claims discount also matter at renewal. Because each insurer weights these differently, two quotes for the same person can look very different — which is why comparing through a broker is usually more useful than filling in one insurer's own form.
Who private health insurance suits
It tends to appeal to people who want to choose when and where they are treated, who want quick access to a specialist opinion, or who are self-employed and cannot afford a long wait. It is not a replacement for the NHS: emergency care and long-term chronic condition management stay with the NHS, and a policy will not cover conditions you already have unless the insurer specifically agrees to.
Typically covered
- Private in-patient and day-case surgery for new conditions
- Specialist consultations, where out-patient cover is included
- MRI, CT and other diagnostic scans within your plan limits
- Cancer treatment at the level of cover you select
- A choice of hospitals from your chosen list
Typically not covered
- • Conditions that existed before the policy started
- • Ongoing management of chronic conditions
- • Accident and emergency admissions
- • Routine pregnancy, childbirth and most fertility treatment
- • Cosmetic and elective procedures
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.