What is the best private medical insurance | moneyfacts.co.uk

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Michelle Monck

Michelle Monck

Consumer Finance Expert
Published: 22/04/2020

How do we decide which private medical insurance products get the best rating?

For over 30 years, Moneyfacts has been helping people to find the best financial products. Every year our in-house money experts cast their eye over all the private medical insurance products available to the UK market, using their in-depth knowledge to determine those that truly represent the best in value and comprehensive solutions.

Our impartial private medical insurance ratings look at the most important features and benefits of each product. For private medical insurance, we evaluate over 40 individual elements to determine which products stand out from the rest of the pack.

We’ve detailed below the elements we look for when it comes to our whole of market assessment for private medical insurance products.

How does a star rating help me find the best private medical insurance product?

Even for financially experienced and astute consumers, the range and depth of private medical insurance products on the market can seem intimidating. Our simple star rating system allows customers to benefit from our expert knowledge and understanding – making it easy to determine which products have the best features and benefits. Customers can feel confident that the products that attain a Four or Five-Star Moneyfacts Rating offer the most comprehensive range of standout features.

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The list of health insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. Moneyfacts.co.uk will receive a small payment if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions.

How do we rate private medical insurance?

The analysts at Moneyfacts use a considerable number of features and benefit levels to decide on each product's rating. These include:

  • Maximum total cover (per year)
  • Compulsory excess (per year)
  • Specialist fees
  • Diagnostic tests
  • Physiotherapy cover
  • Psychiatric treatment
  • Radio/chemotherapy
  • CT, MRI and PET scans
  • Complimentary therapy
  • Helplines
  • Prosthesis cover
  • Cancer drugs & therapy
  • Palliative treatment
  • Stem cell & bone marrow transplants
  • Home nursing cover
  • Private ambulance
  • Parent accommodation
  • Dental cover
  • Optical cover
  • Travel cover
  • Pregnancy/maternity cover
  • Overseas cover
  • Wig cover
  • Consultation/specialist fees.

Considering life insurance

Read more about how life insurance works in our guide. 

Private medical insurance – Rated five-stars

  • Aviva Health UK Limited - Healthier Solutions
  • AXA Health - inSpire Health Plan
  • AXA Health - inSpire Health Plan 6
  • AXA Health - Personal Health
  • AXA Health - Personal Health 6
  • Freedom Healthnet Limited - Freedom Elite
  • General & Medical Healthcare - Elite
  • General & Medical Healthcare - Lifestyle
  • General & Medical Healthcare - Lifestyle Plus
  • Health-on-Line Company UK Ltd - inSpire Health Plan
  • Health-on-Line Company UK Ltd - inSpire Health Plan 6
  • Health-on-Line Company UK Ltd - Personal Health 6
  • Health-on-Line Company UK Ltd - Personal Health
  • Saga - HealthPlan Secure, Secure 4 and Secure 6
  • Saga - HealthPlan Super, Super 4 and Super 6
  • VitalityHealth - Personal Healthcare
  • WPA - Flexible Health Elite
  • WPA - Multi-Family Healthcare Plan Comprehensive
  • WPA - Multi-Family Healthcare Plan Enhanced
  • WPA - Multi-Family Healthcare Plan Standard

Private medical insurance – Rated four-stars

  • Bupa - Bupa By You - Comprehensive
  • Bupa - Bupa By You - Treatment and Care
  • CS Healthcare - Your Choice
  • General & Medical Healthcare - Essentials Plus
  • General & Medical Healthcare - Everyday Plus
  • H3 Insurance - H3 Premier
  • Health-on-Line Company UK Ltd - Health for You
  • Health-on-Line Company UK Ltd - Health for You 6
  • Saga - HealthPlan Saver Plus, Saver Plus 4 and Saver Plus 6
  • The Exeter - Health+
  • WPA - Flexible Health Premier

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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