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What are the pros of private health insurance?

If you have health insurance, you’ll benefit from instant access to appointments and treatment, resulting in a quicker diagnosis.
 
Your insurer will also provide you with a list of private hospitals and consultants to choose from, giving you more control over the care you receive. Most private hospitals offer better amenities than NHS hospitals including, a private room with an en-suite and a choice of food.
 
In some instances, you may be offered scans or treatment that aren’t currently available on the NHS because they’re too expensive or haven’t yet been approved for use in state hospitals. You’ll also benefit from ongoing recovery treatments such as physiotherapy.

 

What are the cons of private health insurance?

Whilst you’ll have quicker access to treatment, the level of care you’ll receive won’t necessarily be better. Also, the NHS offers priority treatment for cancer, a stroke or heart disease so if you suffer from the most serious of illnesses, private health insurance might not be necessary. Further to this, private health insurance doesn’t cover chronic or incurable illnesses, including some cancers.
 
Another disadvantage is the cost, private medical insurance is not cheap. We got quotes for private health insurance based on a 30 year old non-smoker and for the most basic level of cover, our quotes varied between £17.39 to £39.28 a month. If you want more comprehensive cover, you could be looking at between £47.14 to £84.38 a month. If you don’t require medical assistance, this is an extremely costly bill to be paying every month. The cost of private healthcare tends to increase year on year and can go up even more if you make a claim. Also, your location could affect the cost so if you move house, you could see a change in your premium.
 

 

Comparing health insurance providers

When comparing private health insurance providers, it’s important to consider more than the price. A cheap policy isn’t necessarily the best option. Our table ranks insurance providers exclusively on customer experience and product quality, taking into consideration customer reviews to ensure that you can purchase a high-quality insurance product from a company that cares.
 

1st

Review Score

8.6

based on 13293 reviews

Basic cover quote

£50.30

per month

Comprehensive cover quote

£60.86

per month

Comprehensive cancer cover

Included

Levels of cover available

2

Aviva guarantees your life insurance premium and it won't increase at first renewal if you haven't made a claim.

2nd

Review Score

8.1

based on 3336 reviews

Basic cover quote

£39.79

per month

Comprehensive cover quote

£60.79

per month

Comprehensive cancer cover

Included

Levels of cover available

3

All policyholders pay for their first child only. Any additional children will be added to your policy at no extra cost.

3rd

Review Score

7.9

based on 24385 reviews

Basic cover quote

£42.25

per month

Comprehensive cover quote

£55.55

per month

Comprehensive cancer cover

Included

Levels of cover available

1

Award-winning health insurance with fast referrals into a consultant and rewards for living a healthy lifestyle.