The best health insurance providers in UK: Based on consumer and expert reviews, industry awards, and private health insurance coverage, the following companies are the best private health insurance providers in UK right now.
It’s crucial to keep in mind that the best health insurance provider for you will probably differ from that of the next individual. As a result, prior to purchasing insurance, you should always compare providers and consult a licensed broker. Please select one of the icons on this page to obtain a price and a review of your personal health insurance.
Biggest Health Insurance Providers in UK
Here are our five in-depth analyses of the leading UK private healthcare providers for health insurance. We hope this helps you grasp the main distinctions between the insurers and their most popular products. Please keep in mind that the best insurance provider for you might not be the same as the best health insurance provider for someone else, and that we were unable to go into great detail about each of these insurers here. When you’re ready, you should talk to a health insurance broker. They can help you narrow down your options and find the best private health insurance for you.
WPA
In the UK, WPA is quickly becoming one of the most well-known providers of private health insurance. Since WPA is a non-profit organisation, they operate somewhat differently from the majority of the other organisations we’ve examined. Apart from the fact that WPA only provides coverage to people under 65, we think they are excellent. The “Flexible Health” policy, the centrepiece of WPA, comes in two flavours: “Premier” and “Elite.”
Both the WPA Flexible Health Premier and Elite are thorough policies with some of the best consultant and hospital lists on the market, as well as great cancer coverage. Somewhat specifically to WPA, treatment coverage is included as normal, but most other health insurance companies charge extra for it. This is provided you increase your outpatient cover. Also, WPA’s free dental insurance pays £200 per year toward general dental costs (outpatient care is covered), which is a lot and not common among the insurance companies we looked at.
Advantages:
- Excellent core offering that provides you with more protection than most.
- Individual claims under the community rated plan have no bearing on renewals.
- high rates of client satisfaction, which we’ll describe later.
- Unrestricted access to consultants and a great hospital list
- Outpatient coverage includes treatments and dental insurance as normal.
- discounts of up to 20% for independent contractors and professionals.
- An amazing online claim management and registration tool
- Broad cancer coverage
- Non-profit status allows for greater investment in the organization’s members. Shared liability excess lowers the cost of each claim.
- If chosen, excellent outpatient coverage.
Drawbacks:
- The elderly are not covered.
- There is not much support for mental health in the main product.
The Exeter
If you’re searching for coverage, Exeter Health+ is unquestionably one of the best private health insurance options we’ve researched. Their UK health insurance and the company are both great in terms of how comprehensive they are and how well they treat their customers. It gets a five-star Defaqto rating because it has everything you would anticipate it to have, but in addition, you have a tonne of customization options. The fact that they are the only business that gives people between the ages of 70 and 80 the choice of a “community-rated” programme is something else that sticks out to us.
Advantages:
- Excellent core product
- A variety of alternatives to customise your healthcare plan.
- Outpatient operations are included in the base package.
- Comprehensive cancer coverage. Options for adding more coverage, such as for physical therapy and other things
- High client satisfaction rates
- An option between a community-rated plan or a protectable no-claims discount is available.
- Various members’ benefits and discounts
- In terms of paying claims, one of the best
- discount rates for couples and families.
Drawbacks:
- No choice to incorporate travel insurance or dental coverage.
Axa Health
One of the best private health insurance providers in the UK, Axa Heath brings together a number of well-known brands, including Health-on-line and Axa PPP Healthcare, to give close to a million customers top-notch service. In addition to other benefits, Axa Health’s main product gives you access to private outpatient and inpatient care at more than 250 hospitals in the UK.They have, needless to add, performed admirably in our study of health insurance. Numerous aspects of Axa’s personal health insurance coverage caught our attention when we studied it.
First off, Axa’s “Standard” outpatient coverage provides three consultations annually and unlimited diagnostic testing. We think this amount of coverage is better than what health insurance companies offer, which caps outpatient visits and diagnostic tests at £1,500 or £1,000 per year. Axa offers the same protection for your no claims bonus as several other UK insurance providers, which is excellent if you’ve gone many years without filing a claim. You may see a physiotherapist or a chiropractor as often as you need to under your coverage because Axa doesn’t limit the services it covers.
Advantages:
- Excellent heart and cancer coverage.
- Coverage includes radiation and chemotherapy. Coverage for CT, MRI, and PET scans for diagnostic surgery.
- Generous
- Typical outpatient coverage.
- complete protection against acute diseases (excluding pre-existing conditions).
- Diagnose Fast Track Appointments (with outpatient cover)
- Over 250 private hospitals are available.
- Top no-claims bonus programme
- Children under 14 who need speech therapy (6 sessions)
- Health at Hand offers private healthcare around-the-clock.
- A specialism nurse helpline provides telephone support.
- Various member benefits and perks.
Drawbacks:
- No outpatient coverage is provided (optional extra).
- In general, headline pricing is for directed consultants, so you won’t have as much of a say in who handles you.
- For a larger price, you may choose non-guided.
Freedom Health Insurance
Freedom’s Elite Health insurance is marketed as private health insurance that is flexible and fits your needs and budget. Their basic coverage is very good, giving you a strong foundation on which to build your health care plan. Like other UK health insurance plans, Freedom Elite covers inpatient care, day-patient exams and treatments, and outpatient care can be added on as an extra. They performed admirably in our study of health insurance for a smaller provider. Last but not least, they are the only health insurance company in the UK that doesn’t charge different prices based on where you live. This is especially helpful for families who live in places like London, where it tends to be expensive.
Advantages:
- Two years of premium guarantees with no increases
- A versatile policy that may be customised to your requirements and financial situation.
- When a hospital stay is necessary, comprehensive private medical insurance coverage is provided (excluding pre-existing conditions).
- Prices are not based on your postcode.
- Community rated plan—typically, your claims won’t have an impact on your rates.
- Virtually all private hospitals and experts in the UK are available to you (bar HCA hospitals, which can be included for an additional fee).
- outstanding cancer coverage (diagnosis is only included with optional outpatient cover).
- Alternative treatments, options for expanding dental and optical coverage
- The option to incorporate outpatient examinations, scans, and consultations (annual limits apply)
Drawbacks:
- Accommodation for private ambulance parents
- MRI, CT, and PET Scan Coverage
- Principal drawback
- inability to add travel insurance.
Bupa
In the UK, Bupa is a household name for private health insurance. They supply treatment instead of merely offering insurance for medical expenses. You’re in excellent hands with Bupa thanks to their large network of private hospitals and clinics around the UK and their thorough private health insurance coverage. Bupa provides two private health insurance options: comprehensive and their budget-friendly plan, Treatment and Care. We will concentrate on their flagship product as this piece is about the best health insurance. As we will demonstrate, Bupa Comprehensive is a great policy that offers more coverage than you may anticipate. Most importantly, unlike other providers, they come with regular mental health coverage. Please read our in-depth review of Bupa health insurance for more information.
Advantages:
- Excellent standard of coverage for both inpatient and outpatient mental health care.
- complete protection against acute diseases (excluding pre-existing conditions).
- Broad cancer coverage
- Bupa Direct Access provides direct referrals to cancer experts.
- Includes non-emergency visits, scans, and tests (annual limits apply).
- Customers of any age are invited to use the cutting-edge cancer medications.
- Access to their digital GP at all times via Babylon
- Interventions such as outpatient physiotherapy (annual limits apply)
- Three hospital lists to choose from (Essential, Extended & Extended with Central London)
- Families receive a 10% discount.
- Numerous members’ discounts and rewards
- private ambulance service and parent lodging.
Drawbacks:
- There is no way to preserve your no-claims discount.
- You may only consult with recognized Bupa consultants and use private hospitals.
- Only when you use a Bupa-recognized institution will your cancer treatment be covered in full.