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

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Published: 13/04/2022

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.

Featured health insurance providers

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    • Access top consultants and hospitals and avoid NHS queues
    • Health plans for Families, Over 50's and Individuals
  • With 30 years’ experience in fast diagnosis and treatment, find peace of mind with Saga.
    As we get older, our health becomes ever more important – which is why Saga over-50s health insurance gives you reassurance when you need it most, with access to specialists, private treatment and fantastic aftercare. We’ve developed a range of Saga HealthPlans that can be customised to suit you including:

    • Quick access to a specialist for diagnosis following a GP referral
    • Private treatment at a time and place that’s convenient for you
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    • UK-based excellent Customer Care Team
    • 24-hour access to the Saga GP Telephone Consultation Service

    With private hospitals currently supporting the NHS against COVID-19, some services will be limited temporarily and may result in delays to non-urgent treatments.

    Saga Health Insurance is provided by AXA PPP healthcare Limited

    • Free expert advice
    • No obligation quote
    • All the top insurers
    • Price Match Guarantee
    • 5* Trustpilot, 2850 reviews
Note

Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfacts.co.uk will receive a small payment either if you click the links or if you use their services after you click through to their site. All information is subject is subject to change without notice. Please check all terms before making any decisions.

Disclaimer

The list of private medical 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. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfacts.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts.co.uk recommends you obtain independent financial advice.

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
Aviva Health UK Limited - Healthier Solutions Expert Select
AXA Health - inSpire Health Plan
AXA Health - Personal Health
Freedom Health Insurance - Freedom Elite
General & Medical Healthcare - Elite
General & Medical Healthcare - Essentials Plus
General & Medical Healthcare - Lifestyle
General & Medical Healthcare - Lifestyle Plus
Saga - HealthPlan Saver Plus, Saver Plus 4 and Saver Plus 6
Saga - HealthPlan Secure, Secure 4 and Secure 6
Saga - HealthPlan Super, Super 4 and Super 6
The Exeter - Health+
VitalityHealth - Personal Healthcare
WPA - Flexible Health Elite
WPA - Flexible Health Premier
WPA - Multi-Family Healthcare Plan Comprehensive
WPA - Multi-Family Healthcare Plan Enhanced
WPA - Multi-Family Healthcare Plan Standard

Private medical insurance – Rated four-stars

AXA Health - Health For You
AXA Health - Health For You 6
AXA Health - inSpire Health Plan 6
AXA Health - Personal Health 6
Bupa - Bupa By You - Comprehensive
Bupa - Bupa By You - Treatment and Care
Bupa - Bupa Fundamental Health Insurance
General & Medical Healthcare - Everyday
General & Medical Healthcare - Everyday Plus
H3 Insurance - H3 Premier

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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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