What is the best PMI product? | moneyfacts.co.uk

nigel woollsey

Nigel Woollsey

Online Writer
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.



Key features

Find out more

Health Window Life Insurane


  • Helps you find the best rates on Health Insurance.

  • Offer you access to exclusive insurance deals.

  • Health policies that give you access to top consultants and hospitals.

  • We offered a tailored approach, finding the cover that is best suited to you and your family.

  • No more waiting around, avoiding NHS waiting lists.

  • Complete our 1-minute form for a FREE, no obligation quote.



Which elements of the private medical insurance product do we look at?

A considerable number of features are considered for the final 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.

Private medical insurance – Five-stars

  • Aviva Health UK Limited - Healthier Solutions
  • AXA PPP healthcare Limited - Personal Health
  • AXA PPP healthcare Limited - Personal Health 6
  • Freedom Healthnet Limited - Freedom Elite
  • General & Medical Healthcare - Elite
  • 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-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
  • Health-on-Line Company (UK) Ltd - Health for You
  • Health-on-Line Company (UK) Ltd - Health for You 6
  • Health-on-Line Company (UK) Ltd - inSpire Health Plan

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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