Our health insurance comparison table helps you compare providers based on product quality and customer service,
not just price
Take a look at each provider’s reviews to ensure you choose
an adequate policy from a provider that handles customer’s
claims and complaints efficiently
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:
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:
Your premium will be higher if you choose a more comprehensive policy and tailor it to suit your personal needs by adding on extras that aren’t included as standard. However, you can normally keep the premium lower by choosing to pay a higher excess if you need to make a claim or by taking out a joint life insurance policy with a partner.
The cost of private health insurance can also be affected by the area you live in. Private health insurance is typically more expensive for people living in London, the south-east and the south-west, whereas people living in Northern Ireland pay cheaper premiums.
Generally the older you are, the more you can expect to pay for private health insurance. This is because older people are at increased risk of needing medical treatment compared to younger people.
If you’re a smoker or regular drinker of alcohol, you’re likely to see an increase in premiums. This also includes the use of nicotine substitute products like e-cigarettes.
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.
You should find a policy that’s tailored to your needs. You can decide what level of cover you want to take out and you may want to opt for cover that includes mental health treatments, physiotherapy, outpatient appointments and complementary therapies.
Most health insurance policies have a tiered pricing level that is dependent on where the treatment centre is located. For example, hospitals in central London are often higher on the tier and tend to be more expensive. If you travel further for treatment, it could reduce the cost of your policy.
You can choose to receive NHS care rather than private care if the NHS can see within six weeks of a referral. Your premium could be cheaper if you choose this option.
Typically, health insurance is more expensive the older you are so don’t be surprised if your premium rises after each birthday.
