Compare Health Insurance Plans
Get faster access to private healthcare. Compare health insurance plans and find the right cover for you and your family — from essential outpatient to fully comprehensive.
What private health insurance covers
Private health insurance gives you faster access to specialists, diagnostic tests, and elective treatment without waiting on NHS lists. Policies range from budget options that cover inpatient treatment only, through to comprehensive plans that include outpatient consultations, mental health support, physiotherapy, and even dentistry. Understanding deductibles, network restrictions, and prescription cover before you buy is essential to making the right choice for your health and your budget.
Skip the Waiting List
Get faster access to specialists, diagnostics, and elective treatment without long NHS waiting times. Some policies guarantee a consultant appointment within 48 hours.
Flexible Cover Levels
Choose the level of cover that suits you — from essential inpatient cover to comprehensive plans including outpatient, mental health, dental, and optical benefits.
Mental Health Support
Many plans include inpatient and outpatient mental health cover, counselling sessions, and Employee Assistance Programmes — increasingly important alongside physical health cover.
How to find the right health insurance plan
Decide what cover level you need
Start by deciding whether you need inpatient-only, outpatient, or comprehensive cover. Consider whether you want to include mental health, dental, optical, or cancer cover add-ons.
Enter your personal and health details
Provide your age, location, and pre-existing health conditions. Some insurers offer moratorium underwriting — covering conditions after a symptom-free period — while others use full medical underwriting for lower premiums.
Compare plans by cover, network, and price
Browse plans ranked by monthly premium. Compare hospital network size, consultant access options, excess levels, and optional extras. Check what each plan excludes before assuming you're covered.
Enrol and access your benefits right away
Complete your application online and receive your membership documents immediately. Most plans allow you to book a specialist consultation as soon as cover starts.
Top Health Insurance Providers
HealthShield Gold
Comprehensive private health cover with dental
- In-patient & out-patient
- Dental & optical included
- Mental health cover
- 0 excess option
MediCare Plus
Hospital and specialist cover with fast access
- Fast specialist referrals
- Private hospital rooms
- Cancer treatment cover
- Physio & therapy included
WellnessFirst
Essential health cover at an accessible price
- In-patient surgery cover
- GP referral support
- Day-patient procedures
- Online GP service included
Why compare health insurance with us?
All major providers compared
We compare plans from Bupa, AXA Health, Vitality, Nuffield, WPA, and more — giving you a complete view of the market in a single search.
Underwriting type explained clearly
We explain the difference between moratorium and full medical underwriting and help you choose the approach that suits your health history and budget.
Pre-existing condition guidance
Some insurers offer cover for pre-existing conditions after a qualifying period. We surface these options and make it clear what exclusions apply so there are no nasty surprises at claim time.
Family and individual plans
Compare individual, couple, and family plans side by side. We show whether a family plan or separate individual policies gives you better value for your household.
No-claims discount tracking
Many private health plans reward low-usage members with increasing discounts. We compare which insurers offer the best no-claims discounts so good health works in your favour financially too.
Group health for employers
Looking for health cover for your team? We also compare group health insurance plans for businesses, with quotes available from 2 employees upwards.
Health Insurance FAQs
Get the healthcare cover you deserve
Compare private health insurance plans and start accessing faster, better treatment today.
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