There are a number of methods to obtain health insurance quotes in the UK, these can vary between a quote online, by phone, face to face, or quotes by post. It is not uncommon for direct health insurance providers, independent advisors or agents to use the aforementioned communication methods to sell this type of healthcare product.

Depending on the type of health product chosen determines whether an immediate quote is possible or not. Most private health insurance products which include a moratorium often display a quote price or offer immediate cover on the basis that no medical underwriting is required. It is normal practice in some cases for the proposer to complete a paper application form to confirm the purchase.

With regard to quotes for health insurance products which require medical underwriting, the provider may ask you to complete an application from declaring all previous and known medical conditions and seek permission to contact your General Practitioner for further information if necessary. Once this process is finished, cover maybe offered subject to conditions and any medical condition exclusions.

Policy documents and a health insurance policy certificate are usually issued, although is not inconceivable in the future for this information to be accessed online. As with most types of insurance, consider reading your policy at the outset to ensure you are aware of what is covered and what is not covered. Once the quote is accepted and the policy is purchased you have up to 14 days to change your mind, provided you have not made a claim. After this period it is up to the health insurance provider regarding entitlement to any refund.