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Best Private Health Insurance in the UK 2024

Private health insurance (PHI) in the UK provides individuals with access to private medical treatment for various health conditions. This guide explores how PHI works, what it covers, and the top insurers rated by thousands of real customers.

What is Private Health Insurance?

Private health insurance covers the cost of private medical treatment for future medical conditions. The coverage varies based on factors such as the policy type, insurer, and medical history. Generally, all policies cover treatment for acute conditions requiring admission to a private hospital for a day or more. However, chronic conditions like asthma and diabetes are typically excluded.
Comprehensive policies may include outpatient cover, providing access to specialist consultations, tests, and scans leading to a diagnosis. Without outpatient cover, individuals would need to rely on the NHS or self-pay for private consultations and tests.

Best Private Health Insurance Companies

1. The Exeter

Rating: 4.1/5
  • About: The Exeter is a mutual organization offering Health+ product, known for its fair approach to no claims discount and comprehensive core product.
  • Pros: Fair approach to NCD, annual health check, option to protect NCD, free prescriptions.
  • Cons: No dental/optical cover, no travel cover.
  • Customer Reviews: Rated 4.1/5 from 787 reviews on Trustpilot.

2. Bupa

Rating: 4.2/5
  • About: Bupa offers Bupa By You Comprehensive product, known for Bupa Direct Access and mental health cover.
  • Pros: Bupa Direct Access, no upper age limits, mental health cover as standard, hospital list + guided care option.
  • Cons: No protected NCD option, claims over £501 impact NCD.
  • Customer Reviews: Rated 4.2/5 from 22,916 reviews on Trustpilot.

3. Axa Health

Rating: 4.3/5
  • About: Axa Health offers Personal Health policy, known for its generous out-patient cover and excellent hospital list.
  • Pros: Generous out-patient limit, excellent hospital list, option to protect NCD, no limit on out-patient therapies.
  • Cons: Claims impact NCD, no community-rated option.
  • Customer Reviews: Rated 4.3/5 from 10,492 reviews on Trustpilot.

4. Vitality - Personal Healthcare

Rating: 4.2/5
  • About: Vitality offers Personal Healthcare, known for its rewards for healthy lifestyles and excellent cancer cover.
  • Pros: Insurance that rewards healthy living, CBT and counselling, self-referred physio, excellent cancer cover.
  • Cons: Claims and lack of engagement can be costly, no NCD option.
  • Customer Reviews: Rated 4.2/5 from 10,492 reviews on Trustpilot.

5. Aviva

Rating: 4.0/5
  • About: Aviva offers Healthier Solutions, known for no upper age limit and out-patient mental health cover.
  • Pros: No upper age limit, out-patient mental health included, renewal price guarantee, stress counselling helpline.
  • Cons: Claims impact NCD, video GP sessions limited.
  • Customer Reviews: Rated of 4.0/5 on Trustpilot from 33,153 reviews.

6. National Friendly

Rating: 4.4/5
  • About: National Friendly offers Optimum plan, known for fair approach to premiums and comprehensive hospital list.
  • Pros: Claims don't affect renewal premiums, comprehensive hospital list.
  • Cons: Limited reviews available.
  • Customer Reviews: Rated 4.4/5 from 184 reviews.
There are other providers as well, but the providers listed above cover the vast majority of private health insurance policies in the UK.

How Ratings are Determined

Health insurance ratings are based on various factors, including maximum cover, cancer cover, impact of claims on discounts, hospital lists, customer reviews, helplines, virtual GP services, and more.
Disclaimer: The ratings provided are based on available information and customer reviews as of March 2024. Individuals are advised to conduct further research and consider personal preferences before purchasing private health insurance.

Why get private health insurance?

Health insurance allows you get back on your feet quicker:

✅ Avoid long NHS waiting lists of many weeks and get treated faster with private medical insurance, which can be really important for a successful recovery
✅ Get early diagnosis so you can get the treatment you need right away done privately
✅ Business owners can save on their tax bill with private medical insurance
✅ You are free to choose your surgeon or hospital to suit your needs by place and time
✅ You often get a private room with better facilities for your treatment or surgery
✅ With private medical health insurance you gain access to advanced treatments not available on the NHS

Benefits offered by private health insurance

Private medical health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You just pay an affordable monthly premium that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

Our mission is to put you in touch with not only the best, but the most suitable private medical health insurance companies. With even more risk on the rise for personal health today, it makes more sense than ever to have private medical health insurance cover.

👍 Many people are very thankful that they had their private medical health insurance cover in place before running into some serious health issues. Private medical health insurance is as important as life insurance for protecting your family's finances.

Important Fact!

Why increasing numbers of individuals and families opt for PMI insurance

👉 We insure our cars, houses, bicycles and even bags! Yet our health is one the most precious things we have.

People buy life, critical illness and private medical health insurance for a variety of reasons – easily one of the most important insurance purchases an individual or family can make in their lifetime. PMI insurance is still seen as a luxury in the UK. Indeed, only around 11% of the population has private medical insurance. However, an increasing number of people are taking out private medical insurance due to a number of reasons:
  • Avoid NHS waiting lists and be treated more quickly
  • Faster diagnosis (comprehensive cover)
  • More access to latest cancer drugs and treatments, some of which may be unavailable on the NHS
  • Greater choice over where and when your treatment takes place
  • Have a private room should you need treatment in hospital
Our award-winning FCA-authorised insurance partner experts are ready to provide you with a FREE Consultation.

👍 Simply get your affordable private medical health insurance plan in place for the necessary peace of mind! Just tap or click the button below to book a FREE call now! 👇

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Any questions?

Do I need Private Medical Insurance if I have Life Insurance?

Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Sometimes treatments and drugs that are not covered by the NHS can be covered by Private Medical Insurance.

It's free to use WeCovr to find health insurance - we never charge you for quotes. Health or private medical insurance is an investment that can pay for itself the first time you might need medical treatment.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you would benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.


Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your life insurance, critical illness insurance, private medical health insurance, over-50s funeral insurance and senior life insurance quote in no time thanks to our wonderful super-friendly expert partners ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with our FCA-authorised life insurance, critical illness insurance and private medical insurance partner experts and your valuable insurance policy is in place for that needed peace of mind!