Compare health insurance
What is a health insurance policy?
Health insurance is a type of insurance that is for you and your family to get the best medical treatment fast. Private medical treatment can vary from minor injuries or pain all the way up to serious conditions like cancer or heart attacks.
We all know that any private medical treatment is often very expensive and unaffordable for the majority of people. However, access to the best care can mean the difference between a fast recovery or long-lasting life-changing problems.
This type of policy is designed to give you and your family the best type of private medical care at an affordable price. Treatments can include:
- Hip replacements
- Hernia removal
- Cancer treatment (not available on the NHS)
You could get the right level of care from the country’s leading specialists to keep you fit and healthy.
Frequently asked questions about health insurance
If you’re looking to compare the best health insurance deals to see what’s right for you, then our experts can help. Our partners include all of the top health insurance companies as well as some specialist providers.
What’s covered and what type of policies can I get?
One of the best things about health insurance is that you can tailor it exactly to what you want and what you need.
You can choose a basic policy:
- In-patient treatment is covered, mainly things like surgery
- Hospital stay costs
More comprehensive policies can also include Outpatient care, which can cover the costs of specialist consultations, and diagnostics or follow-up exams.
Some of the other options that might often be available to you will include:
- Mental health care
- Homeopathic treatment
- Maternity and pregnancy support
- Dental care
- Optical care
Most of these options can be added or removed to suit your needs and more importantly, your budget.
Other options can include health insurance for multiple individuals, such as:
- Joint cover
- Family plans
- Group health (business)
What’s not covered by health insurance?
Health insurance is specifically designed to help you maintain your lifestyle and complement NHS care. Pre-existing medical conditions generally won’t be covered under a new medical insurance policy.
If you have a chronic medical condition then your current treatment that you receive on the NHS will continue. You’ll also still need to use NHS accident and emergency services as you would normally.
There’s an extensive list of conditions and treatments that will be covered by your health policy, as well as some that don’t fall under health insurance such as:
- Chronic medical conditions
- Cosmetic treatment
- Dangerous sports and activities (injuries)
- Mobility aids
- Pre-existing medical conditions
- Pregnancy (routine)
- Substance abuse
"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."
by Elizabeth Turner-Long - 9th August 2023
What is a pre-existing medical condition?
The term ‘pre-existing medical condition’ can vary from one insurance provider to another, so it’s important to check the policy wording. It often refers to a medical or health condition that you’ve received treatment or had symptoms in the past five years.
A medical condition is where you have had:
Will my pre-existing medical condition be covered?
Health insurance is to provide cover for medical treatment for conditions that you suffer after you have taken a policy. Your pre-existing medical condition will still be treated through the NHS, and any new condition will be covered.
How can I keep my health insurance premiums down?
It’s understable to be concerned about how much an insurance policy might cost. There are a number of ways to keep your premiums affordable, which are usually quick and simple.
Some ways you can reduce health insurance costs include:
1) Excess – Health insurance has an excess which works the same as car insurance so you could select a higher excess. You’ll need to pay your excess when you make a claim but this can work out cheaper over time.
2) Hospital lists – There are different hospital lists for each insurer and you could select from the options that are available to you. By reducing your list, you might be able to reduce your premium.
3) Cover options – You’ve got the option of adding and removing various elements of your plan.
4) Co-pay claims – Another option is for you to select that you will pay for a proportion of any claim, as well as your excess.
Does health insurance renew every 12 months?
There is an option with many insurers to ‘auto-renew’ cover which works in the same as most other insurance policies. If you select an automatic renewal then you will be notified of any changes in premiums prior to renewal.
Is it possible to add people to my health insurance policy?
Most insurance providers will let you make amendments to your policy throughout the year. You’ll be able to add your partner usually and your children can be added.
What are the age limits for health insurance?
To have your own health insurance cover, the minimum age is usually 18 years of age. Children can be added to a parent’s policy and then can have their own policy once over 18 years.
Health insurance jargon buster
We know that insurance can be confusing and some of the terms that are used often don’t make sense. Here’s a list of some of the most common terms used:
Our Customers Love Us
Great price for my policy
I had a tricky condition and I was happy with the cover Dean managed to find to cover me with a really good price. Excellent customer service
- Trusted Customer
I was looking for new life insurance. The company were very efficient and found the best and cost effective insurance to suit my needs. Very easy to arrange.
- David U.
From start to finish very helpful
A GREAT SERVICE. Dean Nerney and his team were very professional and helpful. Sorted out insurance for me which was more difficult due to medical condition. Thank you
- Simon in Wakefield
Excellent service - Dean was very helpful from start to finish. The WhatsApp messenger service is what I found particularly helpful!
- Trusted Customer
Aaron was very kind and understood what I wanted! He didn’t beat around the bush and I was very impressed by his knowledge and understanding of my situation.
- Kathryn C.
Found cover when others declined
I would recommend I am insured for people with pre existing conditions they have managed to find me a policy that suits me.
- Trusted Customer
Very happy with the service
Aaron was very helpful when explaining to me what this company does for me as I am a younger client he took his time out his day to make it clear to me.
- Finlay T.
Dean and Amber were extremely helpful, professional and friendly. They helped me through the whole process which was much faster thanks to them.
- Trusted customer
Based on 1146 reviews