What is the best private medical insurance 2022 | 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.

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
  • 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.
  • 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.
  • 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
  • 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.
  • 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.
  • 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
  • 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.
  • 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.

Featured health insurance providers

  • Moneyfacts Star Rating: 5 Stars

    Get a free health assessment worth up to £169. Just buy a Saga Health Insurance policy on or before 31 August 2022. T&Cs apply*

    78% of new customers who compared health insurance providers saved money with us. Based on 201 customers surveyed in 2021, including offer periods. For people over 50.

    We have been providing fast access to private healthcare for more than 30 years. You can choose from our range of plans, including our Defaqto 5 Star rated Saga HealthPlan Super. We also offer a range of options that can lower your premium to suit your health needs and budget.

    Saga Health Insurance is provided by AXA PPP healthcare Limited. Saga Health Insurance is a unique product designed by us specifically for people over 50.

    *Full T&Cs can he found here.

    • Best rates - UK plans from £21 per month
    • Free, no-obligation quotes
    • Compare all the UK's leading insurers in one place
    • Access top consultants and hospitals and avoid NHS queues
    • Health plans for Families, Over 50's and Individuals
    • 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.

Considering life insurance

Read more about how life insurance works in our guide. 

Private Medical Insurance Star Ratings 2022

Click the headings below to see the full list of star ratings awarded.

Private Medical Insurance - Five Star

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 - Four Star

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

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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