Top Health Insurance Companies in UK

Finding the best Private health insurance companies in UK can be difficult. There are numerous insurance companies and plans available, each with unique policy options and levels of coverage.

Every private medical insurance, at its heart, covers private healthcare. By doing this, you can avoid waiting on long NHS wait lists and receive care when you need it most.

Outpatient coverage is the primary factor used by insurers to classify their health insurance policies.

Basic Health Insurance

It does not provide any outpatient care and only pays for inpatient treatment.

Mid-Range Coverage

Provides coverage for some outpatient care up to a predetermined annual dollar amount. The insurer provides several options for this limit, including £500, £1,000, or £1,500 annually.

Comprehensive Health Insurance

The best health insurance, full coverage, fully reimburses for any admissible inpatient and outpatient services.

The better the medical insurance, but the higher your rates will be, the more outpatient coverage your policy offers. Comprehensive coverage is the ideal type of health insurance in the UK.

There are over 500 health insurance companies in the UK, however, it is wise to consider your options before choosing one. The best providers for you and your family will depend on a number of factors, including coverage specifics, customer reviews, etc. The below list of the best private health insurance companies in UK helps you to compare them side-by-side to make an informed decision about the best company for you:

WPA

Somerset-based Western Provident Association offers non-profit health insurance in the UK. They are also the proprietors of WPA Protocol, a subsidiary firm that specializes in corporate healthcare trusts.

The "Flexible Health" policy, which is the centerpiece of WPA, has two types: Premier and Elite. The WPA Flexible Health Premier and Elite are both comprehensive policies with some of the top consultant and hospital lists on the market, as well as good cancer coverage.

Advantages

• In-patient & day-patient cover
• Cancer care
• NHS hospital cash benefit
• 24/7 private GP helpline accessibility
• Program for Employee Assistance
• Transporting private ambulances
• Dental insurance, home nursing therapies, and outpatient coverage are all covered as regular benefits
• Discounts of up to 20% for self-employed and professional workers

Disadvantages

• Those over 65s have no coverage
• There is not much mental health help in the main product

The Exeter Health+

The Exeter Health+ is the only insurance company in the UK to give customers the option of a standard, "protectable," no-claims discount or a "community-rated," wherein claims have no bearing on renewals.

Finally, they are the only business that gives people between the ages of 70 and 80 the option of a "community-rated" scheme, which is noteworthy in our opinion.

Advantages

• Option of outpatient coverage
• Unlimited cancer cover
• NHS cash benefit
• Private ambulances
• Nursing at home
• Parental accommodation
• Discount for couples and families

Disadvantages

• No choice to include travel insurance or dental coverage

Bupa

With about 80,000 employees and 31 million customers globally, Bupa is a healthcare and insurance provider based in the UK. Bupa offers two private health insurance plans: Comprehensive and their cost-effective product, Treatment and Care. They are professionals at providing support and insurance for mental health illnesses and offer a wide range of health insurance solutions with products like Bupa Global.

Advantages

• Excellent inpatient and outpatient mental health treatment cover as standard
• Bupa Direct Access offers direct referrals to cancer specialists
• Includes outpatient consultations, scans, and tests
• Customers of any age welcome
• Having 24/7 access to their Digital GP through Babylon
• Three hospital lists are available for selection (Essential, Extended & Extended with Central London)
• Option to choose your own private doctor
• Private rooms in hospitals
• Mental health & well-being therapies
• Private dental care after six months
• 10% discount for families

Disadvantages

• No option to protect 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

Vitality

Private health insurance company Vitality has offices in Bournemouth and Stockport in addition to its London headquarters. If you haven't needed hospital care or specialized counsel in the three years before the commencement of your plan, Vitality offers a 10% discount to all new members. This discount is fantastic for clients who arrive at Vitality with a clear medical history, and as we've said, no other business provides it.

Advantages

• Full Coverage Promise
• Coverage for major illnesses
• With Vitality GP, you have access to a 24/7 hotline and online doctor consultations
• Extensive rewards and discount programs
• Good cancer treatment coverage with mental health assistance
• Access to cutting-edge cancer treatments
• A support service for menopause
• 10% off for new clients who have not had any previous medical difficulties (3 years)
• Renewals based on your state of health

Disadvantages

• The health status and claims history affect renewal premiums

AXA

One of the largest health insurance companies in UK is AXA, a French international insurance firm. They operate mostly in the North American, Western European, and Asia-Pacific regions.

Advantages

• Great heart and cancer coverage
• Coverage for CT, MRI, and PET scans as well as diagnostic surgery
• Insurance for chemotherapy and radiation therapy
• Generous typical outpatient coverage
• Full protection against acute diseases (excludes pre-existing conditions)
• Diagnostic Quick Track Appointments (with outpatient cover)
• Almost 250 private hospitals are available
• Top no-claims discount program
• Speech therapy for children under 14 (6 sessions)
• 24/7 Health at Hand offers private healthcare
• A dedicated nurse helpline provides telephone support

Disadvantages

• No outpatient coverage is provided (optional extra)
• Typically, headline fees apply to guided consultants

Freedom

Freedom, a well-regarded private health insurance company in the UK, was established in 2003. They specialize in providing affordable and flexible health insurance.

There are three primary types of insurance, and they all offer various levels of protection. Freedom Global, Freedom Elite, and Freedom Essentials are some of them.

Advantages

• Covers both day patients and inpatients
• Cancer cover
• Pregnancy complications
• NHS cash benefit
• NHS cash benefit Private ambulances
• Cash maternity benefit
• CT, PET, and MRI scans
• Nursing at home
• Dental surgery

Disadvantages

• Inability to add travel insurance

Aviva

The international insurance company Aviva is headquartered in London. offering different types of insurance to approximately 33 million clients globally, mostly in the European and Asian markets.

Three separate plans make up its three primary health insurance offerings. Cancer Pledge, Expert Choose, and Wellness services are the names of these programs.

Advantages

• Good coverage for acute medical issues and extensive coverage for cancer treatment
• the ability to access hundreds of private medical facilities (choose between Expert Select or a hospital list)
• Access to a Digital GP at all times
• 24-hour hotline for counseling on stress
• Couples who purchase policies receive a discount
• If there are two or more minors (under 19), the youngest is free

Disadvantages

• You'll automatically use their "Expert Choose" hospital list, which restricts you to the facilities and consultants
• A maximum of £250 with a £50 excess can be regarded as modest compared to other options, despite the fact that general dental coverage is included

National Friendly My PMI

Optimum is the name of National Friendly's private health insurance program. We generally concur that they fulfill their commitment to take a fair and amiable approach to medical insurance. They go farther than any other to keep your premiums at a manageable level with their straightforward policy information that clearly outlines what is covered and what is not.

Advantages

• Up until your 5-year review, claims won't affect renewal premiums
• With four tiers of protection, there is a ton of options
• To having no excess, there is almost no price increase
• incredibly thorough hospital list
• No additional charges when transferring from another provider
• No "no claims bonus" is allowed to simplify pricing

Disadvantages

• Your outpatient allowance does not apply to MRI, CT, and PET scans
• Not all levels provide coverage for bone marrow and stem cell transplants
• Not all insurance provided coverage for mental health
• No limitless outpatient programs

Allianz

Allianz is a large international insurance provider that is based in Germany. They emphasize international medical insurance, which is available in the UK and many other nations across the world.

Three different tiers of insurance products are available from Allianz to customers. Simply known as Care Pro, Care Plus, and Care, these plans offer a variety of benefits.

Advantages

• Cover for day patients and inpatients
• Outpatient coverage is optional
• Emergency health care
• Medical evacuations
• Private hospital rooms
• Program for expatriates
• Security services for travelers

Disadvantages

• The several websites that Carrier maintains for its various insurance products can be difficult to navigate

When it comes to top private health insurance companies in UK, there is no one-size-fits-all solution. Examining a company's hospital fees, the types of plans it offers, user ratings, and your budget are the best ways to choose which insurance plan would be the best fit for you and your budget.