Are you paying too much for your Health insurance? If so, simply find the insurance company that best matches your individual health profile using the Insurance Quote finder or get an online quote direct from the top insurers listed on the right.

Alternatively, read our information guide below and make sure your health is adequately covered or visit the information sections to discover where to find competitive private medical insurance.

Health Insurance Guide

What is covered?

The aim of Private Medical Insurance is to fund treatment for any injury, illness, or disease that you may suffer in order that you may recover as quickly as possible. This type of insurance is not designed to replace the National Health Service or necessarily provide accident and emergency care. It is important to realise that many insurance policies screen prospective customers with a health questionnaire and often exclude pre-existing conditions, specified chronic illnesses, and some forms of expensive treatment.

The provision of health insurance has come a long way since it was introduced and there are a variety of private medical schemes to pick and choose from. Some health policies allow you to consult with the NHS as an outpatient in the first instance and make an insurance claim for any subsequent treatment, other policies offer you the choice of seeing a consultant privately to receive possible treatment from a choice of Hospitals. Generally, most health insurance policies will provide a minimum level of cover including treatment for short term acute medical conditions, in-patient diagnostic tests, and hospital nursing and surgery costs.

Before deciding which health insurance policy is best for you compare the cover offered by each healthcare provider carefully. As with most types of insurance, there maybe an excess to pay for each claim, which could be substantial depending on the level of health cover purchased. The premiums charged each year by health insurance companies often increase above the rate of inflation, therefore, consider policies that offer either no claims discounts or cheaper payment methods promoted by the private medical insurer concerned.