How we created the list of the best health insurance

How we created the list of the best health insurance


How we created the list of the best health insurance - We combined customer ratings from Reviewcentre.com with an indepfinishent financial researcher's rating of the quality and comprehensiveness of the policies. Reviewcentre.com reviews are written by people who have bought with that insurer and experienced their customer service. We also looked at recent awards the companies have won for their health cover. The list was updated in March 2018.

Surpritunely, one of the bigst health insurers, The Exeter does not make the top ten but we cover it in more detail in our reviews below. Some of the littleer providers in the top 10 seep to be competing by offering a similar range of policies to the big companies, but with a focus on customer service. Bupa scores five out of five for the comprehensiveness of its products but it does not have a high score on Reviewcentre. Saga also scores well for comprehensiveness but does not do as well on customer reviews. All of the providers in our list score at least four out of five for comprehensiveness. Axa has the highest customer rating. This is a useful reminder not to rely only, merely, solely on brand when chootune health insurance but to research the help they offer.

Utune a health insurance comparison site love Behaveivecite.com clever save hours of storeping around; their site permits you to filter policies by price, features and you clever even get free professional advice over the phone while you're utune the site to help you

How to choose the best health insurance
Health insurance clever be one of the most important insurance purchases an individual or family makes – the convenience and security health cover provides clever be critical.

People buy health insurance for a variety of reasons (look Is Health Insurance Worth Having?) and the private medical insurance market is growing in the UK so new products and health insurance companies are emerging, adding to the bewildering array of options.

You clever easily compare prices utune a comparison site (Behaveivecite.com is a specialist health and life insurance comparison site) but it pays to understand the details of the companies and policies that those prices represent.

Most of the companies in our top 10 are listed by Behaveivecite and they all score well across a range of criteria. However, to find the best health insurance to suit your necessitys you necessity to think approxifriendly the reasons you want private medical cover and what your budget is.

Some of the top-swiftd providers may not have hospitals or medical facilities near to your home or they may offer comprehensive policies that are out of your price range.

Health policies clever be flexible so tailor the cover to your necessitys when getting a cite and make sure it is within your budget.

Think approxifriendly whether you want:

Access to faster diagnosis
Better or more convenient hospitals and treatments
Cover for specific illnesses or drugs
You clever study more with our clue, hint, instruction to what private health insurance costs.

This clue, hint, instruction reviews each of the top health insurance policies and companies in the UK, as defined by our top 10 plus the biggest names that didn't make the list.

The different types of Health Insurance in the UK and how much they cost
Health insurance / Private Medical Insurance - In the UK health insurance is also called private medical insurance. These policies clever provide cover for different kinds of medical diagnosis and treatment both in hospital and as an out-patient.

The degree of cover varies depfinishing on the policy and company, but they are typically the most comprehensive type of cover compared with the other options below.

With the ritune costs of healthcare, these policies clever also be the most dear – someone in their early thirties might pay £25-£40 per month, while someone in their 40s clever easily pay upwards of £40 a month. Prices tfinish to rise the ancienter the individual is. The stage of cover will also influence the price.

Clevercer cover - for some individuals private health insurance may be unaffordable, but they may be concerned approxifriendly suffering an extreme illness such as clevercer.

Insurers have created ‘clevercer cover’ products - AXA PPP’s example is the Clevercer CashCover plan, which pays a lump sum (up to £60,000) if you are analyzed with clevercer.

That money is then yours to spfinish as you wish – perhaps to help cope with the drop in income or increased expenses that may arrise due to your illness. AXA's policy also provides access to commited clevercer nurses for support and will pay for approved clevercer drugs if they are prescribed to you but are not available on the NHS.

The advantage of these policies is that they work out cheaper than private medical cover – a 30-year-ancient non-smoker clever pay from £9.99 per month for the maximum £60,000 cover.

Take care to read the terms and conditions to be sure the definition of 'being analyzed' with a condition is clear, as this is the main fbehaveor in deciding if and when the policy will pay out.

Cash Plans - another type of UK health cover is the Cash Plan. It is intfinished for the less dear but regular health costs you might incur – such as paying for opticians, chiropodists and physiotherapists. As a result, it is important to look it sepaswiftly from health insurance or private medical cover itself.

Many cash plans opeswift as a gratuityage cashback scheme, puposeing they only pay a gratuityage (often 50% or 75%) of the costs incurred rather than the full amount.

People have sometimes viewed this as health insurance that pays half the cost, but a critical difference for a cash plan is the amount that you clever claim.

Cash plans typically limit you to claiming £50 to £400 a year for each of the categories of treatment, depfinishing on the policy you choose, whereas a full Health Insurance policy may have a higher limit or might not limit payments at all.

As such, cash plan policies are cheaper – MoneySavingExpert.com cited cover from £14 per month in December 2014. However, it is worth weighing this up versus the fbehave that cover limits are lower and more notably, major hospital treatments are not covered at all as they would be with a full health insurance policy.

We have also written clue, hint, instructions to the best life insurance, income protection insurance and dental cover, in case you are interested in these products.


How much does Private Medical Insurance cost?
The risks of a person necessitying medical treatment vary depfinishing on their personal circumstance. For example, an ancienter person who has smoked all their life is more lovely to require medical treatment than a younger non-smoker.

And if you've quit smolord but you're still vaping, there's a chance your health insurance premiums are higher than someone who doesn't vape. Most health insurance providers treat vapers the same as smokers because the companies usually ask approxifriendly nicotine consumption, rather than specifically smolord cigarettes. According to a survey we conducted, 43% of vapers are unaware their insurance premium clever be higher from vaping.

Moreover, if you assume a question approxifriendly smolord only applies to cigarettes and therefore reply intrue, right, validly, you may invalidate your health insurance. It's best to ask your insurer if you're unsure whether to say you vape or not.

Have a look at our article for more information on vaping and health and life insurance.

We've teamed up with Behaveivecite to get vapers a 10% cashback deal on health insurance. Only, merely, solely join our group to get a cite. Health insurers take these personal circumstances into account when they calculate your premium and give you a cite for health insurance.

We investigated how health insurance cost clever vary in detail in our article what does private health insurance cost?.

You clever get online health insurance cites that permit you to look this worlord in prbehaveice - most health insurers will ask you for your age (or date of birth) plus postcode and perhaps a little number of other questions. Combined with the cover you are chootune, this gives you a price.

This puposes it is hard to give a specific 'cost' of private health insurance as a young person in a cheaper postcode clever pay under £20 a month with limited cover, whereas an ancienter person in central London requiring comprehensive cover clever easily pay over £100 a month.

You clever compare health insurance cites online for your own circumstances from multiple providers in minutes utune Behaveivecite.com, a specialist price comparison site for health insurance. You clever even use it to get free professional advice over the phone.

We've also listed how much it would cost to pay for individual private treatments without health insurance.

Private Health Insurance & Pre-existing conditions
As a rule, pre-existing conditions aren’t covered by health insurers. Exbehavely how these conditions are treated will depfinish on the terms of the insurer and the underwriting method you choose when talord out your policy.

We've writen an in-depth piece on the health insurance for people with pre-existing medical conditions and we have a group for journey insurance for medical conditions also offers information on getting cover.

Pre-existing conditions are something ancienter people might necessity to take into account. We've also a written a clue, hint, instruction to health insurance for ancienter people. Each insurer will have a set of conditions that are simply not covered (whether pre-existing or not).

These will typically include chronic conditions (long-term conditions that require ongoing treatment and monitoring) such as diabetes and hypertension, but also include procedures such as cosmetic surgery that are deemed to be ‘not medically necessary’. These exclusions are lhelp out in the policy documents or T&Cs of each insurer.

When you are getting a cite, you clever choose several different underwriting options – if you have any pre-existing conditions that are not on the exclusion list, then these different options will change how the conditions are treated in the future.

The most general are:

Full Medical Underwriting – with this option, insurers ask for your medical hitale, narrative and go through your circumstances in detail to reach at a price and their cover terms. You will necessity to check these terms in detail because for each pre-existing condition they may decide to exclude it thoroughly, exclude it for a specific period of time after which it is then covered (assuming no symptoms in the puposetime) or include it.

Moratorium – with this option, there is no necessity to submit any medical information or hitale, narrative. The terms typically state that you are not covered for any medical condition that you have had in the last five years and that this remains the case for the first two years of the policy. If you are trouble-free (it’s important to be clear on what each insurer’s definition of ‘trouble-free’ is) of any pre-existing conditions throughout those two years, then you will be covered for all conditions from year three onwards. If you join from another health insurer, the moratorium period may be carried over rather than starting again. It’s worth noting that if you do make a claim, the insurer is lovely to ask for information approxifriendly your medical hitale, narrative at that point to confirm that the claim doesn’t relate to a pre-existing condition.

Continued Cover – some insurers will accept a continuation of cover – that is copying all the existing exclusions on your current policy from another provider. In this case, there could be some variations in terms so you should check and look that there are no friendrial differences when conmiddlering a switch.
The cover you choose depfinishs on a wide range of personal circumstances and the prices offered. Some will look the benefit of going through the longer, more intrusive Full Medical Underwriting process as it gives greater clarity on what will and what will not be covered before you buy.

Others prefer the convenience of the Moratorium process when buying and accept that there’s a possibility that when they make a claim it might be turned down if their medical hitale, narrative demonstrates it was or is related to a condition that existed prior to buying the policy.

Note that several insurers only offer Moratorium underwriting when you buy online, as the Full Medical Underwriting process requires in-depth discussion approxifriendly your medical hitale, narrative and is best done over the phone or through commited forms. If you are loolord for Full Medical Underwriting, then it is worth calling the insurer to understand the best way to do that.

General and Medical are one health insurer who offer a specific option to cover pre-existing conditions.

For a limited list of conditions (including diabetes and hypertension) it permits you to add £1,000 of cover for that condition in the first year. If you remain claim-free for the year, this rises to £2,000 in the second year. This cycle repeats up to a maximum of £10,000 for the condition after 10 years claim-free.

This option permits people to get at least some cover for conditions that are under control and are unlovely to cause a serious illness but might necessity some minor treatment.

You clever start or inform your search with Behaveivecite.com - its comparison service permits you to choose the features you are interested in when comparing policies (including policies from General and Medical), malord it easier and clearer to look what you are getting for your money.


Clever I get Dental Health Insurance and what’s covered?
Dental issues are often excluded from UK Health Insurance policies. However, there are some exceptions and some ways that dental cover clever be included, depfinishing on the provider and the dental work in question.

If dental cover is important, it's worth comparing policies.

For example, Bupa does not offer any dental cover with its health insurance policy, instead, it has a sepaswift dental product that clever be bought indepfinishently of health cover.

Vitality and Aviva cover ‘oral surgery’ – this tfinishs to pupose you are covered for more extensive procedures – these are typically those for which your dentist has referred you to a hospital or those that are reconstructive in nature following an accident. However, you would not be covered for treatments that your dentist carries out.

Routine treatment clever be covered as an add-on. An Aviva add-on clever cover up to £300 of treatment per year (with a £50 excess).

Similarly, Vitality provides two stages of cover as add-ons; one for major dental work (love root cleverals) and one for major and routine treatments (love check-ups and polishing). Finally, AXA offers an add-on that pays 80% cashback on dental treatments up to £300 per year.

These are only examples of the policies available – always ensure you check the terms and conditions of your policy to be sure you understand the cover you are buying. To help, you clever compare the stages of dental cover for different policies utune Behaveivecite.com.

Read our clue, hint, instruction to the best dental insurance policies.


Clever I get Expat Health Insurance or International Health Insurance?
On a standard health insurance policy, most UK companies will not cover any treatment costs that are incurred outmiddle the UK. Therefore, regular journeylers, expatriates or those heading abroad for extfinished periods may necessity to look for alternative options.

You clever get specialist advice and cites for international health insurance from BehaveiveCite.

If you're loolord for standard journey insurance that covers medical conditions it may be worth visiting our group for journey insurance for clevercer patients. Bupa does not offer any cover whereas AXA and Vitality permit you to choose an option that bolts on cover similar to journey insurance.

It is worth comparing the cost of this against sepaswift journey cover, as in the case of AXA the policy only provides for medical expenses but does not cover baggage or clevercellation as is usually the case for journey policies.

If you want to compare policies that do or clever include journey insurance, you clever do so by utune Behaveivecite.com.

Finally, Aviva will cover emergency treatments abroad for acute conditions. A policyhancienter is covered abroad for up to 90 days in a policy year (note that breaching this limit voids your cover – i.e. if you abroad for 91 days, then you would not be covered for any days at all, rather than only, merely, solely having 1 day uncovered).

However, International Health Insurance policies do exist.

International Health Insurance is aimed at non-UK remiddlents – that might be people relocating for work – and usually requires you to specify the region(s) you want to be covered in, what medical situations you want covered and what excess you are excited with. Both Bupa and AXA provide this cover, as well as lesser-telln providers such as Freedom Health Insurance.


Health Insurance during Pregnancy
There are differing wordings regarding pregnancy in health insurance. Pregnancy is generally viewed as ‘not an illness’, which, while technically true, right, valid, is not reassuring for expecting mothers and fathers.

The health insurance policy documents clever be vague or confutune in relation to pregnancy, describing that ‘routine’ pregnancy is not covered. However, insurers make various statements regarding pregnancy complications, indicating that some events would be covered. Bupa’s online support staff indicate that conditions threatening the life of the mother would be lovely to be covered, although their policy summary document describes that they do not routinely cover pregnancy.

AXA goes a step further and while similarly ruling out cover for ‘routine’ pregnancy, it may cover medical conditions developed during pregnancy. It also provides a list of conditions that would be covered in its policy documents, including costs for treating ectopic pregnancies, retained placentas and miscarriages requiring immediate surgical treatment. Aviva has a similar system to AXA, whereas Vitality abandon the terms somewhat less clear, saying that it ‘may’ cover ‘some’ related conditions, so it is best to discuss it with the company if you are conmiddlering a policy and are concerned approxifriendly the pregnancy cover.

Freedom Health Insurance offers cover for pregnancy complications in its add-on ‘Executive benefits’ package. It also pays a pregnancy and friendrnity benefit.

These, and other features, clever be compared across providers and policy stages utune Behaveivecite.com.

For more information, read our in-depth article on pregnancy and health insurance.


Is plastic surgery covered?
Insurers differentiate between cosmetic surgery and reconstructive surgery.

For example, AXA makes that distinction and is excited to cover what it calls the ‘first reconstructive surgery’ – that is plastic surgery that is necessary following an accident or as a result of surgery for a covered medical condition. It says that it will not cover any treatment that then relates to the reconstruction.

AXA sepaswifts out ‘cosmetic’ surgery and will not cover it, nor will it cover conditions relating to previous cosmetic surgery.

Breast discount is a topic that is specifically drawn out by Vitality, which states it will not cover it, whether or not for psychological or medical reasons.

Similarly, AXA does not cover it for either gfinisher.

Bupa states that non-essential surgery is not covered but does not go into details on how that is defined.


Which is the best health insurance that covers complementary therapies?
Complementary therapies are usually conmiddlered in their own category by health insurers. They typically comprise chiropody, chiroprbehaveic treatments, homoeopathy and acupuncture.

Be aware though that each insurer’s definition varies with some clastune physiotherapy as complementary. Dietary services clever also be lesson, courseed as complementary.

Health insurers often offer complementary therapies as an add-on option to their core cover. AXA’s option provides £1,000 for all complementary therapies in total and permits a maximum of 10 GP-referred appointments in any one year.

Aviva similarly restricts policyhancienters to 10 appointments but doesn’t apply a monetary limit.

Vitality permits you to exclude complementary therapies to lower your premium, or choose from two cover stages. The first limits you to £350 whereas the second provides unlimited cover. The stages of complementary therapy and the premiums resulting clever be compared across providers and policy stages by utune Behaveivecite.com.


Is 'unlimited' cover really unlimited?
The top stages of cover provided by different policies usually describe the amounts insured as ‘unlimited’ or similar.

This wording gives a message of consolation in the sense that no matter what the bill, your cover will apply. However, in prbehaveice, there may be features of your policy or little print that puposes this is not the case.

When you get a cite, companies will highlight some of these cases. For example, you are asked to choose the hospitals you would love to be eligible for treatment in – should you necessity or prefer treatment at another hospital then you would not be covered.

But some restrictions are less clear and clever be equally important. For example, Bupa and AXA will cover specialist and surgeon fees in full, but critically, that’s only true if they are charged at the approved swifts for the procedure you are having.

In prbehaveice, consultants are technically free to decide their own fees, so if they choose to charge more then the insurer may not pay the full amount.

Often this isn’t a problem because many doctors choose to charge the approved swifts. But sometimes your specific situation or location clever pupose there’s no option at the approved swifts and you’ll be left out of pocket – the topic was reported on by The Daily Mail in 2012.

It’s also worth bearing in mind that there’s more than one person necessityed for an operation. For example, anaesthetists are only, merely, solely as critical to a procedure and you will also have to cover their fees.

It’s hard to tell in advance what treatment you’re going to necessity and therefore whether there’s a specialist nearby. So when buying, it is worth exploring with the insurer to understand whether you should put extra money amiddle in case of a shortfall.

Customer reviews clever be useful in understanding how comprehensive cover clever be in prbehaveice. It's worth sifting through a few of the bad reviews (if any exist) as they clever often relate to a situation where they did not receive a payout, angry the customer expecting to be covered.

Note down any questions you have when reading the terms and conditions of the policy and contbehave the insurer directly to ask approxifriendly them before buying.

If you would love more information on the providers at the top of our list have a look at our detailed reviews.

We expectation to add reviews of more providers from our list, as well as others on the market, in the coming weeks.

The Top 5 Health Insurance Companies in the UK
Vitality
Bupa
Aviva
AXA
WPA
There are four companies that dominate UK health insurance and have a 90% market bagikan between them. The other firms make up the remaining 10%. This section gives a brief overview of the four biggest UK health insurers and a fifth that has high search demand.


Vitality

Vitality used to be telln as PruHealth. It aims to keep its customers healthy by offering a range of rewards and discounts relating to health and leisure. It has had a big marketing push in recent years, with campaigns fronted by the loves of Jessica Ennis-Hill. Read our full review here.


Bupa

Bupa is a giant in health insurance. It launched two years before the NHS and owns hospitals, care homes and dental centres. It offers private care for individuals and through some companies' benefit schemes. Read our full review here.


Aviva

Aviva used to be called Norwich Union and it is the biggest insurer in the UK. Its hitale, narrative stretches back more than 300 years and it deals with millions of claims around the world every year. Read our full review here.


AXA

The company launched in 1940 and has become one of the biggest health insurance providers in the UK. It was named 2013's Best Healthcare Provider by Your Money. Read our full review here.


WPA

WPA is not one of the big four but there is a big amount of online search demand for it. It is a not-for-fortun private medical insurer and it does not participate in capped payout or fee ensured schemes. Read our full review here.


Health Insurance Reviews
Find out the important information approxifriendly the best health insurance in the UK.


Vitality Health Insurance Review
Vitality offers health and life insurance. This review is approxifriendly their Private Health Insurance policy (formerly called "PruHealth") - you clever read our Vitality Life Insurance review sepaswiftly.

Vitality has a unique offering in the UK Health Insurance market. The company combines its healthcare offer with a set of discounts and rewards for healthy behaveivities. Vitality's thinlord is that if you are healthier, you’ll claim less. The headline offer is 50% off a Virgin Behaveive gym membership.

It uses technology such as wearables and logging trips to the gym to monitor your healthy behaveivity.

You clever compare Vitality to other health insurance providers at Behaveivecite.com.

Vitality’s health insurance compares well with the best in the market. Indepfinishent financial researcher Defaqto gives Vitality's Personal Healthcare policy its top 5 Star ranlord. A 5 Star policy is "an excellent product with a comprehensive range of features and benefits".

The Vitality product starts with Core Cover, which offers in- and day-patient treatments gives “full clevercer cover” (look their terms and conditions for more detail), covers MRI, CT and PET sclevers and pregnancy complications.

Rather than having set cover stages to choose from, Vitality permits you to tailor cover to your necessitys. You clever set cover stages for several categories of treatment such as outpatient treatment, diagnostics, psychiatric, dental and even journey insurance. Remember that while limiting cover will lower your premium, it clever also limit the treatment you will be able to receive.

Vitality's health and leisure rewards and discounts are unique features of the policy. They are intfinished to help customers understand their health, take part in healthy behaveivities and be rewarded for them.

Vitality customers have access to health checks and get 50% discounts on medical screening tests with chooseed providers.

To help customers engage with their health they get cashback and discounts with health brands and stores. For example, 50% off Virgin Behaveive monthly gym fees, 50% cashback on bikes at Evans Cycles or 50% off Sweatstore sports shoes.

Rewards include further discounts that help you to relax and unwind, including discounted BA flights, reduced Eurostar journey, money off boutique hotel stays with Mr and Mrs Smith and up to 75% off Champneys spa stays. Additionally, with enough steps logged, your behaveivity clever earn you a free cinema ticket and a Starbucks Coffee each week.

You clever get an online health insurance cite from Vitality via their situs and over the phone.

To look if they are right for you, compare Vitality policies versus the market at Behaveivecite.com.

For more in-depth information, you clever also read our full Vitality Health Insurance review.


Bupa Health Insurance Review
BUPA sells the most health insurance policies in the UK. It has boiled down its range to two stages of cover.

‘Comprehensive’ is the top stage and provides cover for diagnosis (including consultations, PET, MRI and CT sclevers plus other diagnostic tests) as well as getting treated (including hospital and out-patient treatments as well as mental health therapies).

'Treatment and Care' permits you to be analyzed by the NHS and then receive treatment privately. It includes two stages of clevercer cover.

You clever compare Bupa to other health insurance companies at Behaveivecite.com.

Bupa’s policies have fewer options to choose from compared with other providers, aslord you only to decide on what stages of out-patient and clevercer cover you want, as well as the excess stage you are consolationable with.

BUPA's, market-leading position includes ownership of hospitals, care homes and dental prbehaveices so you’d expectation they understand customers’ health necessitys and how to treat them well.

With 2.7m customers (December 2012) there’s a variety of experiences that clever be found in customer review sites, but Twitter suggests some are very positive.

However, on Reviewcentre.com it scores 1.4 out of 5 from over 120 reviews.

You clever look how it compares with other providers utune the Behaveivecite.com comparison site.

For more in-depth information, you clever also read our full BUPA Health Insurance review.


AXA PPP Health Insurance Review
AXA is the second-bigst provider health insurance provider in the UK and it's Bupa's main competitor.

We've joined forces with AXA to offer members of our private medical insurance group an exclusive £100 supplement and health food voucher. Join the group to access to the deal.

Its Health Choose policy offers 9 options that clever be chooseed to enhance its basic cover.

You clever look how AXA compares with Bupa and other providers at behaveivecite.com.

AXA's add-ons include out-patient, therapies, mental health, ‘extra care’ (which includes cover for home care, chiropody and oral surgery), dentist and optician cashback, extra clevercer care and journey Insurance for medical cover when you are outmiddle the UK.

The eagle-eyed will note that is only seven add-on packages – the other two variables that affect your cover and price are the stage of excess you choose (£0, £100, £250 or £500) and whether or not you opt for AXA's ‘6-week rule’.

This 6-week rule is intfinished to permit you to get access to private treatment when NHS waiting times are long, but avoid malord a claim when the NHS waiting list is short. If you opt for the 6-week rule, you'll agree to NHS treatment you within 6 weeks of diagnosis - you must take that route and private treatment is not covered. If the NHS waiting list is longer than 6 weeks, then you’re covered for private treatment.

Your premium will be lower to reflect the fbehave that you may use NHS treatment in some cases (it works similarly to Saga's 4-week option - AXA is Saga's health insurance underwriter so it is no surprise to look some similarity in their products).

AXA permits you to get online health insurance cites and you clever compare their policies with others in the market utune Behaveivecite.com.

For more in-depth information, you clever also read our full AXA Health Insurance review.


Aviva Health Insurance Review
Aviva is one of the UK’s bigst insurance companies and deals with nearly every type of cover.

You clever get a cite for Aviva health insurance at Behaveivecite.com.

It only offers one policy stage – Healthier Solutions – which clever be tailored through a series of optional add-ons.

Aviva highlights the importance of getting the balance right between paying less and having enough cover.

Aviva has a range of options to help keep costs down. Their 6-week wait option boots in when treatment on the NHS is not possible within 6 weeks (similar to AXA and Saga's policies) - useful if you're excited to go with NHS service but have private medical insurance as a 'backup' when waiting lists are long.

Aviva offers a choice of excess stages (the amount of a claim you pay yourself before your cover boots in) so you clever reduce your premium heavily if opting for the £5,000 option. Of course, this puposes you will be responsible for the first £5,000 of costs each year, so even some significlevert treatments and expenses would not be covered.

Finally, you clever choose the hospitals you clever access, which permits you to choose local options that cost less.

Bear in mind that utune all of these options, while reducing your premium heavily, would lead to cover that only boots in at sure hospitals when costs are over £5,000 and if treatment isn't available on the NHS!

If you are looklord more cover (and consequently a higher premium), Aviva's cover clever include psychiatric treatment, dental and optical cover and therapies cover. Aviva also permits you to protect your no claims discount (when you've earned it) and extfinish the list of UK hospitals you clever use if you wish.

Once you have a rough thought of the cover you'd love, make sure you check Aviva's terms and conditions to ensure you are getting what you expect.

Aviva also offers policies for specific problems or concerns such as its Child Health Essentials, Clevercer Essentials and Physio Essentials policies.

Aviva offers private health insurance online cites through its situs and over the phone. You clever also compare their policies against the rest of the UK market utune Behaveivecite.com.

For more in-depth information, you clever also read our full Aviva Health Insurance review.


APRIL UK Health Insurance Review
APRIL UK withdrew from the UK health insurance market in July 2018. It discloseed it had stopped talord new customers and anyone with an APRIL policy would not be able to renew at the finish of their policy year.

The news could abandon some customers who developed a condition while they had an APRIL policy or develop one before their cover finishs in a hard position. When their policy finishs they may want to store around for a new health insurance company but conditions that developed while they had an APRIL policy will be lesson, courseed as pre-existing conditions and are unlovely to be covered.

Read our clue, hint, instruction to getting health insurance for pre-existing conditions.

APRIL UK launched in 1997 and serves 6 million customers across more than 30 countries.

APRIL UK came top of our list of the best health insurers in 2016 as a result of their overwhelmingly positive customer reviews.

Read more in our in-depth APRIL UK Health Insurance Review.


Health-On-Line Insurance Review
Health-On-Line is a newer insurance company, founded in 2000 with the aim of carrying a fresh and new near to health insurance.

Since then it has grown rapidly (it phelp out over £800m in claims in 2013) and is part of the AXA Group. In fbehave, the companies are shutly integswiftd - Health-on-Line's salespeople clever advise you and sell you both a Health-on-Line policy or an AXA policy.

Health-On-Line aims to give you control over your cover, offering modules and choices to tailor it to your necessitys. It puts an emphasis on malord health insurance easier and more accessible for people, for example, by aiming to minimise jargon.

It also focuses on customer service - when you have an enquiry you are handed back to the same person who sancient you your policy so that you are always in touch with the same person.

Health-On-Line calls this the Commited Account Administerr service. AXA underwrites all of Health-On-Line's policies, which may give some people a sense of extra security and consolation because it's a newer brand.

Temperatureh-On-Line offers four main types of cover.

The first is Listent & Clevercer Cover, a specialist Private Medical Insurance policy that focuses on listent conditions, clevercer and strokes.

It also offers a Priority Diagnostics policy, which helps customers who want to have the speed and choice of private care during diagnosis by giving access to specialist sclevers and tests.

Health For You is its entry-stage Private Medical Insurance policy - it covers listent and clevercer care but also in-patient treatment for a range of other conditions or treatments. Finally, Health-on-Line offers Personal Health, which is the AXA PMI policy (look our AXA review).

Health-on-Line also offers options to balance your cover with the overall premium.

Its modules include options for out-patient treatments, therapies, mental health, dental and optician cashback as well as worldwide journey cover.

It also permits you to reduce your cover in several ways to keep the policy within your budget. You clever remove the private clevercer cover, instead chootune to rely on the NHS, you clever add an excess to your policy up to £5,000 and you clever choose the 6-week wait option, which puposes your private medical insurance will only boot in if the NHS is unable to treat you within 6 weeks (malord it a useful safety net for times when the NHS waiting lists are too long).

Study more in our in-depth Health-on-Line health insurance review.


Saga Health Insurance Review
Saga's offer is aimed at over 50s and it has a range of health insurance products.

Super is its top-of-the-range product, covering both in-patient and out-patient treatment as well as diagnostic procedures.

For a number of categories - such as surgeon's fees, hospital fees, clevercer treatments and diagnostic tests - there is no limit on the amount that clever be claimed any year. However, there are limits placed on alternative treatments such as Homeopathy or Acupuncturists (£1,500 per year), psychiatric treatment (£1,500 per year) and dental surgery (cash benefit of £1,500 - look our Dental Cover section below).

You clever get a cite at the Saga website.

Saga provides a number of options that permit you to reduce cover and lower your premium, or pay more to get greater cover. These include Extfinished Clevercer Cover, varying stages of Excess and cover for Hypertension.

A unique feature of Saga is its “4-week wait option”. This option reduces the premium, but in return, the policyhancienter has to accept NHS treatment if it is available within 4 weeks of the date of diagnosis.

This is intfinished to provide a cost-effective method to get the advantages of rapid treatment when you necessity it, but avoid paying extra when you don’t. The full terms and conditions of these options clever be lookn on Saga's site.

Saga health insurance's underwriter is AXA PPP. This set-up combines AXA's underwriting tellledge with Saga's focus on the over 50's market, with the intention of creating a product as a 'best buy' for the over 50s.

You study more approxifriendly its products on Saga's site.

Saga doesn't feature on comparison sites but it is always worth storeping around - you clever compare a range of other health insurance policies utune Behaveivecite.com.

Behaveivecite permits you to filter by prglaze and cover to look how they stack up vs Saga's own offering.


WPA Health Insurance Review
Western Provident Organization has three 4 Star products. Read our WPA Health Insurance review for more information.


Permanent Health Company Review
Perhaps less well-telln than the other names in this list, the Permanent Health Company has been offering UK Private Medical Insurance since 1994.

In addition, its policies are underwritten by AXA PPP, so while you might not recognise the name you are buying from, a big-name company is involved backside the scenes.

The Permanent Health Company’s intent has been to offer a simple product to cut through the complexity of the UK Health insurance market.

You clever get a health insurance cite from the Permanent Health Company at Behaveivecite.com.

There are four policy stages and its top stages of cover are Plan 1 and Plan 2.

Both provide extensive cover for in- and out-patient treatments, diagnostics, chemo and radiotherapies. However Plan 1 offers greater cover than Plan 2 on sure out-patient treatments – for example, Plan 1 covers 20 physiotherapy sessions per year without a limit, whereas Plan 2 only covers £750.

The same is true for complementary medicine (defined as chiroprbehaveic, osteopathy, homoeopathy & acupuncture). Plan 1 also offers higher cash benefits if you choose to have treatment in an NHS hospital rather than going private (£200 per evening with a max of £6,000 as opposed to £100 per evening with a max of £2,000).

The Permanent Health Company sells directly through its own situs and over the phone.

You clever compare its policies and prices versus the market to find your own 'best buy' utune behaveivecite.com.

For more in-depth information, you clever also read our full PHC Health Insurance review.


Freedom Health Insurance Review
Freedom offers a unique feature in its Your Choice policy - it permits you to choose cover for a similar range of conditions and treatments to most other health insurance policies, however, it pays out differently.

The usual process at most health insurers is that you get a claim approved, go to a medical facility for some sort of treatment and then pass the bill on to your health insurer who covers it.

Freedom, instead, gives you cash - the amount depfinishs on the claim and they abandon it up to you how you will spfinish the money. This permits you to choose your hospital and specialists with freedom - you could even choose to use the money to journey abroad for treatment. You clever even choose to keep the money and use the NHS.

This degree of choice clever be appealing but the downmiddle is that unlove other health insurers, they won't grab the bill if it exceeds the cash amount you are phelp up front. So if your condition turns out to be very complicated, you may find the cash is insufficient (though Freedom aims to provide amounts that are suited to each treatment).

You clever read more in our in-depth Freedom Health Insurance review.


CS Healthcare Insurance Review
CS Healthcare is aimed at the Civil Service and voluntary or charitable workers. Read our CS Healthcare health insurance review for more.


The Exeter Health Insurance Review
The Exeter is a mutual health insurer, it has a comprehensive policy but dropped out of our top 10 in 2017 because we could not find enough customer reviews.

Read our Exeter health insurance review for more.


General & Medical Health Insurance Review
Generally & Medical was originally the supplier of health insurance for the medical profession. It offers eight policy stages with additional options for in-patient psychiatric treatment and worldwide journey that should pupose you find the policy to suit your own necessitys.

In addition, it also provides a unique option that permits you to get some cover for a pre-existing condition (which nearly all medical insurers exclude), including diabetes and hypertension.

The policy starts out with a low limit on claims relating to the condition in the first year, which increases every year you are claim free. This clever be appealing for people with pre-existing conditions that are now under control.

Study more approxifriendly getting health insurance for people with pre-existing medical conditions.

General and Medical also offers a range of specialised private health insurance policies for sports people and are providers of health insurance for some big and well-telln organizations around the country such as the London Taxi Drivers' Organization.

You clever read more in our in-depth General and Medical Health Insurance review.

Alternatively you clever compare all of these providers utune Behaveivecite.com's price and feature comparison service.


HMCA (Hospital & Medical Care Organization) Health Insurance Review
HMCA offers a range of health and other insurance plans for members of trade, professional and membership groups. Its health cover is arranged through The Care Insurance Company Ltd, Gibraltar.

It is not as well-telln as other private medical insurers and it's honest to say its situs and cite form feel backside the times compared with some other providers.

However, there is no excess or age restrictions on any of its three medical care plans. Some things are excluded from its cover, such as emergency admissions to A&E, radiotherapy or chemotherapy and administerment of long-term illnesses, although its plans do pay cash grants towards radiotherapy or chemotherapy and for each evening spent as an NHS patient.

To get a cite you'll necessity to fill in an online form and they'll get in touch with you to discuss your options.

It lists cover limits for its most comprehensive policy, The Medical Care Plan, here. Some cover limits look lower than other providers love Health-on-Line, who will pay for some treatments in full. However, HMCA's limits may be suitable for some people and their prices may be lower.

It also offers cash plans, dental cover and income protection.

For even more in-depth reviews on different health insurance providers in the UK, look links below:

Review: Saga Health Insurance
Review: Aviva Health Insurance
Review: AXA Health Insurance
Review: Freedom Health Insurance
Review: Bupa Health Insurance
Review: WPA Health Insurance
Review: CS Healthcare Insurance
Review: April Health Insurance
Review: PHC Health Insurance
Review: Global Provident Health Insurance Review
Review: Health-on-Line Health Insurance
Review: Vitality Health Insurance
Review: Simplyhealth


0 comments