Many people will compare health insurance providers by focusing on the cheapest price. However, cheap health insurance isn’t necessarily the best health insurance and you could be left with a nasty shock when you go to make a claim. Compare by Review compares health insurance companies exclusively on customer experience and product quality to ensure you can purchase a high-quality insurance product from a company that cares.

We’re on a mission to change the way you traditionally buy insurance. We don’t believe that scouring the market for a cheap product is the best way to compare health insurance but it’s what we’re ingrained to do. We encourage you to read reviews from real customers before purchasing private medical insurance so you can get an idea of the quality of service that different insurers deliver. Take a look at our comparison table at the top of this page to compare medical insurance providers and see which company offers the best private health insurance.

Generally, health insurance covers treatment for acute conditions, hospitals, scans and surgical procedures. There are three main types of health insurance and the exact level of cover depends on the policy you take out:

• Basic health insurance policies usually cover the cost of any inpatient treatment you require and also costs for your hospital stay.
• Medium policies include inpatient care and outpatient care such as seeing specialists and consultants and the cost of follow up treatment and tests.
• Comprehensive health insurance policies are typically the most expensive as they offer the most amount of cover. They cover all of the above as well as covering you for physiotherapy and mental health treatment.

Most health insurance policies don’t cover you for pre-existing conditions, chronic conditions or emergency treatment. However, some insurers will insure you for pre-existing conditions as long as you’ve had no symptoms in the last five years. If you suffer from any conditions that you think might be excluded, you should read the policy thoroughly so you have a clearer understanding of what you are and aren’t covered for.

The cost of private health insurance will vary depending on your personal circumstances and the provider you choose to go with, but you can expect your premiums to be determined by:

You can get policies that cover individuals, couples or families. As you might expect, an individual policy provides medical insurance just for yourself. You pay a premium on a monthly basis and have access to high quality care should you need it. Joint policies cover you and your partner. Family policies provide private health insurance for the entire family. If you have an individual policy, some insurers allow you to add children at no extra cost. Dependants are generally accepted if they’re under the age of 18 but it’s worth checking the age with your insurance provider.