Compare Health Insurance

Compare policies from over 10 leading insurers in the UK.

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Rated 4.9 / 5 by our clients on the independent review site Reviews.co.uk

About MediCompare

MediCompare offers a simple way to compare health insurance from leading providers in the UK. We have teamed up with some of the best insurers in the country to help find the best cover for you. To receive a free quote, simply enter your details in the form provided and one of our partner insurance companies will get back to you on the same day. We are a licensed insurance broker in the UK and will not pass on your information to any third parties without your permission.

What is Private Health Insurance?

Private health insurance gives you cover to pay for future medical treatments and hospital visits. It is based on paying a monthly premium to your insurer and then making a claim when you want something to be paid for. Private treatment always needs to be paid for, but by having insurance in place, your provider will cover all or some of the medical expenses - either by paying the clinic directly or reimbursing you the costs. The main advantages are that you get to faster access to healthcare compared to the NHS and get to choose the location of treatment and the Consultant you use.

Health Insurance By Numbers

Out of 26.7m households in the UK, 1.9 million households are covered.

5.1m people in the UK have private health insurance

£7.4m paid out in claims every day.

£206m was paid out in 2013 in emergency medical treatment, equivalent to £4m a week.

11% of the UK population have some level of private medical insurance, according to the “Kings Fund Private Health Care Market Report 2014”;

Am I eligible?

Yes, everyone is eligible for health coverage, regardless of age, gender, demographic, ethnicity and medical history.

Cover is available to individuals, families, couples, teenagers, companies, athletes, pensioners and more.

Policy Exclusions

Private health coverage does not typically cover long-term or chronic illnesses that reoccur during one's lifetime. This includes asthma, kidney failure, arthritis, alcoholism and Crohn's disease. In addition, non-essential treatments such as improving one's appearance through cosmetic surgery is unlikely to be covered unless it is strictly for medical purposes.

How To Apply

You have the choice of filling in our form, speaking to our team or requesting a callback. By filling in the enquiry form, the information will be sent to one of our trusted insurance partners who will contact you immediately to get your application underway. You will be asked a few simple questions about yourself and medical history and should be able to receive a quote on the same day. Alternatively, you can call and speak to our team who will assist you every step of the way.

  • About MediCompare
  • What is Private Health Insurance?
  • Health Insurance By Numbers
  • Am I eligible?
  • Policy Exclusions
  • How To Apply

Reviews

"What could have been a very daunting prospect was made pleasant by the wonderfully concise and patient Ollie (Oliver Evans). The whole process was seamless and painless and I am very pleased with the advice and support afforded to me. Thank you"

Patricia Thomas
21/10/2016

Affordable Health Insurance From MediCompare

By working with several leading health insurers in the UK, we are delighted to help you find competitive quotes and policies to suit your needs. The main benefits of a private health coverage include:

green-tickAccess to private consultant and hospital of your choice

green-tickAvoid lengthy NHS queues

green-tickPick the level of cover you need

One of the most frustrating things about NHS treatment is being appointed a Consultant or clinic that is far away, causing your travel expenses to add up over time. With access to private coverage, you are able to select a Consultant and clinic of your choice and one that is located closer to your home or work. Perhaps there is a Doctor who is a specialist in the area you are looking for and you have been recommended him or her by a friend. Well, you can go and see that very specialist and get to the route of your condition. Furthermore, if there is a hospital or surgery round the corner from you, it makes practical sense to get an appointment from that clinic, rather than being assigned to an NHS hospital way across town.

The NHS waiting times and queues are not getting any better with patients waiting for weeks and months to be seen for toothache or back pain. But how can you live with this pain for so long?

With health insurance in place, you can see a private specialist on the same day or week so that you can get that pesky pain fixed in no time. Plus, it will be in a location much more convenient to you, giving you more control over your medical treatments.

Whilst cover might seem too expensive and unobtainable for many, the great thing is that you can pick the amount of cover you need and set your budget accordingly. If you find that you are in good health, you can always opt for less cover so that is it more affordable for you and your family.

Individual Health Insurance Plans, Families and Businesses too!

Our team can help any individual find the best premium possible for any age, gender or health condition. However, the products we offer extend far beyond just individual plans to also providing discounted rates for those that insure their families under one policy and we have business health insurance plans available too.

Generally, the lowest premiums are available for non-smokers and those with healthy lifestyles such as going to the gym and exercising regularly. Other clever ways to reduce the cost of your insurance include paying for your insurance in one annual lump sum as most people pay their premiums in monthly instalments, but there can be additional 20% charge for this convenience. Whilst every policyholder must pay a compulsory excess, by choosing to pay a higher voluntary excess can save hundreds off your policy as it considers that you are willing to fit more of the bill in the event that you need to claim.

affordable-health-insurance

What is Included in Private Health Insurance?

The type of plans that are available vary significantly, from low-cost plans to zero-deductible full coverage plans. The following is usually includes in a healthcare plan:

What is Not Included In Private Health Insurance?

Health insurance generally covers curable and short-term procedures, making it ideal for dental work, physiotherapy and optometry. However, it does not usually cover things that are are ongoing, long-term or chronic illnesses that are likely to reoccur or give you trouble for the rest of your life. Typical exclusions are conditions such as asthma, kidney dialysis, colitis, arthritis, diabetes, epilepsy and allergy attacks. Similar chronic conditions not covered include those that have been the result of high risk activities such as extreme sports, lung disease caused by smoking, AIDS and other sexually transmitted diseases.

Insurers will not tend to cover those surgeries and therapies used by individuals to enhance their physique or look such as face implants, hair transplant, botox or breast implants. The only reason that these might be covered is if they were part of  reconstructive surgery or required for medical reasons e.g deviated septum, breathing issues or back pain.

Finally, policymakers will not cover pregnancies and childbirth costs. (Source: MoneyAdviceService)

What is Private Diagnostic Insurance?

This only covers the tests and treatments required to find out what is wrong with you and causing your symptoms. Once diagnosed, it will not cover you for any additional treatment required to fix or improve your health as this will require a separate policy. It is a common misconception that private diagnostic insurance is cheaper however, this is not always the case, so it is worth checking this with your insurer when you apply for a quote.

Why would I need individual health insurance if my company provides it as a benefit?

Private health insurance can help ‘top-up’ the difference between what your corporate insurance provides, and what you might personally need. Taking a close look at what your company provides will allow you to make sure you are covered for what counts. You can top-up your corporate plan to include:

I have NHS coverage – why would I need private coverage?

The NHS has certain guidelines about what is covered, how long it takes to be seen, and the types of facilities available for treatment. Having private health insurance means that you can cover the gaps between what is needed in your personal situation, and what the NHS offers. Sometimes the NHS has the best option and your provider will recommend it at no extra cost. 

What are the different types coverage?

Health insurance generally falls in to two main categories.

  1. Fully underwritten insurance – insurers ask for a full medical history.
  2. Moratorium insurance – limited information about medical history.

A fully underwritten policy will generally give you wider coverage, but you will pay more for this. A moratorium policy will be cheaper but will come with complete, or ‘blanket’ exclusions on many pre-existing conditions.

On top of these two categories, many providers are now offering mix and match policies to make sure the policy is tailored to what you or your family needs.  These modular policies help you save money in places that you don’t need coverage, and help bolster coverage where you do.

How much does private health insurance cost?

The average cost of private health insurance in the UK last year was £1,120 for cover for the entire year. Obviously, the price you pay will depend on the insurance provider and amount of cover you require. Young people without pre existing medical conditions and low claims history will be more likely to enjoy low insurance premiums, compared to much older applicants. A 33-year-old living in Oxford with a basic level of cover pays around £300 per year according to the four biggest insurers.

Most healthcare policies also have a tiered pricing structure and requesting treatment in the more expensive areas will hike up your costs. Therefore, you should consider how far you are willing to travel and avoid high tiers such as London if you want to save on costs.

What to consider before applying

How much cover do you require? If you choose a very low cost or basic plan, then the chances are it may only pay hospital admission costs, and not out-patient costs used for things like physiotherapy or ear, nose and throat specialists.

Can you join with someone else? You can save a lot of money by combining your policy with someone else such as a spouse, sibling, family member or colleague. It is worth speaking to those around you to see if there is an opportunity to go in together.

What do I need cover for? It may not be worthwhile spending up to £1,000 on cover if you feel that you are in good health. Instead, you may be better applying for a specific plan which allows you to pay tiny amounts of £10, £50 or £100 and then spend up to 6 times the value on routine procedures like dental, physio and eye appointments. This could be far more cost-effective and it allows you to skip the queues and still go the private route for your treatments.



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