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Decide who needs cover, which benefits matter, which hospitals are practical and what budget can survive future renewals.
Owned by James & Rachael — a couple who care about all people getting the right type of healthcare.
Our research hub: autism, Down’s syndrome, veterans & more
Private medical insurance, made clearer
Don't choose health insurance on price alone.
Compare the cover that actually matters: underwriting, hospitals, outpatient limits and the exclusions that can change the value of a policy.
- UK-specific guidance, not US health-insurance advice
- A specialist broker can check multiple insurers available through its service
- Free quote search request, with no obligation to buy
1,478focused UK guides
9decision-led topics
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Why we do this
We care about one thing: people getting the right type of health care.
Health Insurance UK exists because the wrong policy is worse than none at all. Too many people buy on price alone and only find out what was excluded at the worst possible moment. Everything on this site — the guides, the comparisons and our research hub — is built to help you find cover that fits the care you might actually need.
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People before products. We start from who you are and what care you might need — not from a policy that needs selling.
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Research, free to cite. Our research hub publishes open, fully-sourced studies on how healthcare works for different groups of people.
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Independent and small. Run day-to-day by James and Rachael — a couple, not a faceless comparison factory.
A clearer route to cover
Three steps. No blind purchase.
Private medical insurance has too many moving parts for a single price box to tell the whole story.
Compare like with like
Ask a specialist broker to check suitable policies available through its service and show where terms genuinely differ.
Read before you buy
Check the policy documents, exclusions, underwriting basis and cancellation terms. Only proceed when the trade-offs are clear.
Built around real decisions
Browse all 1,478 guides
Start with the situation that fits you
1112 guides
Treatment prices by hospital
What each UK private hospital charges for a specific treatment, and what cover would pay.
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150 guides
NHS waiting times
How long NHS treatment and diagnostic waits really are, trust by trust, and how private cover skips the queue.
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80 guides
Self-pay treatment prices
What UK private hospitals publish as self-pay prices, and what private health insurance would and would not pay.
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52 guides
Buyer questions answered
Specific questions people ask before buying UK private health insurance, answered from current policy wording.
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34 guides
Insurer cover compared
What named UK insurers actually say about each benefit, quoted from their own policy documents.
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22 guides
Renewals and switching
What happens to UK private health insurance at renewal — why premiums rise, how to cut the cost, and how to switch insurer without losing cover.
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15 guides
Using a private health insurance broker
How UK private health insurance brokers work — whether you need one, how they are paid, and how to choose a good one.
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8 guides
Business and group cover
How UK private health insurance works for a business — group schemes, cover through a limited company, and the tax that comes with it.
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5 guides
Is it worth it? Deciding on cover
The questions people ask before buying any private health insurance at all — what it costs, what it adds over the NHS, and whether it is worth it.
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Our research hub
Visit the research hub
Healthcare research, on the people it affects
Free to read and free to cite: open, fully-sourced data studies on how healthcare access and outcomes differ for different groups of people — from autism and Down’s syndrome to veterans, unpaid carers and people experiencing homelessness.
Cover for who you are
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Why compare with a specialist?
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An insurer explains one range. A broker can check more than one.
No broker automatically covers every insurer or every policy. The useful question is whether its panel includes suitable options for your circumstances—and whether it can explain the differences clearly.
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See beyond the premium. Compare hospital access, outpatient limits, excesses and underwriting on the same basis.
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Protect existing terms. Get help checking the implications before switching or cancelling established cover.
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Ask better questions. Understand what is excluded, capped or conditional before a claim tests the wording.
Free to request and no obligation. The broker will explain the insurers it can compare, any fee and how it receives commission.
Our editorial promise
Useful detail beats a generic “best policy” list.
Written for UK readers. Our guides use UK terminology and sit private cover alongside NHS access.
Clear about uncertainty. Eligibility, exclusions and prices depend on current insurer terms and personal circumstances.
Commercial relationship disclosed. We may be paid when we pass a completed quote enquiry to a broker.
No invented rankings. We do not pretend one insurer or policy is universally best.
Who runs Health Insurance UK
Owned by James and Rachael
Health Insurance UK is owned and run by a couple — James and Rachael — who care about all people getting the right type of healthcare. Every guide and every study is researched and reviewed by us, and if a page ever leaves you with a question, write to us and a person will reply. We built this because we kept watching people buy cover that did not fit the care they might one day need.