Comparing Private Health Insurance In The UK

Know What The Best Health Insurance Will Cover

The best UK Health Insurance is comprehensive cover and pays for all eligible inpatient and outpatient treatment in full.

You can also add various optional extras to your policy for an extra premium to broaden coverage, such as:

• Mental Health cover
• Routine dental and optical cover
• Therapies cover (offering physiotherapy or osteopathy, for example) if not already included in your policy.

The best Health Insurance provider for you will depend on your needs and circumstances.

Why Expert Advice Matters

For instance some insurers are better placed to cover individuals in certain occupations such as doctors or contractors where others are better priced based on location or age. If you are fit and healthy there are some insurers that offer discounts based on how often you exercise.

When helping clients it is important to understand exactly who you are and what matters to you. Our team have years of experience helping find individuals and businesses the most appropriate cover for them at the best premium.

If you need help in this area don’t hesitate to pop us a call on 02074425880 or email help@drewberry.co.uk.

Know The Free Additional Benefits You Can Access

Most providers offer additional benefits for free with their policies. Common free extras include:

• Digital GP services, offering access to a GP via video or telephone
• Parent accommodation costs if a child the policy covers requires inpatient hospital care
• Helplines staffed by medical professionals for assistance with minor medical complaints
• Stress counselling helplines
• Gym discounts
• A cash benefit for each night you spend in an NHS hospital having treatment for a condition your policy would have covered.

Compare providers to see which ones are offering the best additional benefits, as this can vary significantly from insurer to insurer.

We are seeing clients get a huge amount of value from the `Virtual GP and prescription services. It allows you to have a consultation from the comfort of your own home being seen within hours rather than booking way in advance.

Know Where You Can Buy Health Insurance

You have two options to buy Private Health Insurance: You can go direct to the insurer or use an independent insurance adviser such as ourselves.

It’s important to recognise the difference in these approaches as one provides much more protection than the other.

Going Direct

Buying direct from an insurer is a non-advised sale. You personally make the decision to buy cover from that particular insurer, so there’s no financial protection if the policy is inappropriate.

Furthermore, this often involves more work. For example, you need to approach every insurer and compare Health Insurance quotes from all of them to find the best deal.

Once you’ve got the premiums, you’ll also need to compare policy documents, including all the medical and insurance jargon, to work out which plan offers the best coverage.

Getting Independent Financial Advice

Alternatively, an independent Health Insurance expert, such as one of the team at Drewberry, can do all the heavy lifting. We do all the work comparing insurers and policy documents to find you the best cover.

Perhaps most importantly, this is an advised sale. If an adviser’s advice isn’t appropriate and the policy isn’t suitable, you have financial protection as the responsibility for arranging it is with the adviser.

Comparing The Best UK Health Insurance Providers

Being an independent insurance broker we compare Private Medical Insurance policies from every leading UK insurer. While there are some smaller, more specialised insurers, the core of the market is made up of the following six providers:

Aviva

Aviva’s Health Insurance policy is known as Aviva Healthier Solutions.

It comes with outpatient cover as standard, but you can remove it entirely or limit it to £500 or £1,000 per policy year to reduce premiums.

Key Comparison Points

• 24 / 7 digital GP appointments via Aviva Digital GP
• 24 / 7 stress counselling helpline
• A maximum of £2,000 or your policy’s outpatient limit towards GP-referred outpatient mental health treatment as standard
• Free cover for younger children once you’ve added your oldest child to the policy
• Access to some of the UK’s leading hospital networks thanks to Aviva’s partnership with the likes of Spire, Nuffield Health and BMI.

AXA Health

AXA’s main Health Insurance policy is known as AXA Personal Health.

AXA doesn’t include most outpatient treatment as standard. You can add either limited or full cover to your policy for an additional premium.

Key Comparison Points

• Up to five 24 / 7 remote GP appointments via Doctor@Hand when you choose the Extended Cover option
• Fast-track physiotherapy access via AXA Working Body, letting you skip GP referrals for physiotherapy
• 24 / 7 helpline staffed by trained nurses and counsellors for more minor medical issues
• Access to a helpline staffed by cardiac and cancer nurses if you’re diagnosed with cancer or a heart condition
• Availability of proton beam therapy to treat certain cancers in limited circumstances when you choose Comprehensive Cancer Cover.

Bupa

Bupa’s main Private Health Insurance plan is Bupa By You.

Bupa divides its main By You policy into comprehensive cover (its Comprehensive plan) and basic cover (its Treatment & Care plan). You choose one or the other depending on your needs.

Comprehensive cover includes both inpatient and outpatient cover as standard, while Treatment & Care mostly only offers inpatient care.

Key Comparison Points

• Up to 28 days of inpatient psychiatric treatment as standard
• 24 / 7 remote GP access via Babylon Digital GP
• Direct Access fast-track service for cancer, mental health and musculoskeletal symptoms
• Anytime HealthLine, a 24 / 7 telephone helpline staffed by trained nurses
• Treatment in Bupa’s large network of its own private hospitals

A choice of cancer coverage — choose from:

• Full cover for all cancer treatment
• NHS Cancer Cover Plus, which only pays for cancer care if the NHS doesn’t offer a particular treatment
• No cancer cover, which means you use the NHS for all cancer care.

The Exeter

The Exeter’s Health Insurance offering is known as Health+.

It offers little outpatient cover as standard. You can, however, add this to your policy for an additional premium.

Key Comparison Points

• Digital GP service
• Access to its SmartWise app, which as well as managing the digital GP appointments, also offers second medical opinion consultations, video physiotherapy seesions and video counselling sessions
• Access to speech therapy if you opt for the Therapies optional extra, which many providers other exclude
• Parental accommodation if a child under 18 the policy covers is having inpatient hospital treatment. Cover for this until your child is 18 is the oldest cut-off age on the market.

Freedom Health

Freedom Health’s main Health Insurance policy is called Freedom Elite.

This policy covers all eligible inpatient treatment as standard, with the option to add outpatient care for an additional premium.

Key Comparison Points

• 24 / 7 digital GP access via its GP24 smartphone app
• 2 year fixed premium option, so your premium won’t go up in your second year even if you claim in your first year
• Free cover for younger children after you’ve paid to add your oldest child to the policy
• Physiotherapy as standard when you add outpatient cover, rather than as part of a separate therapies benefit for a further additional premium
• 45 days of inpatient psychiatric care if you choose its mental health option, one of the longest periods of inpatient treatment on the market
• A premium discount of 6% if you choose to pay your premiums annually rather than monthly.

Vitality

Vitality’s Health Insurance policy is known as Vitality Personal Healthcare. It’s a fairly unique policy, offering discounts and rewards if you engage in healthy living activities.

It covers inpatient treatment in full, with the option to add outpatient care for an additional premium.

Key Comparison Points

• Digital GP service
• Face-to-face private GP service for an upfront £20 payment if you have the London Care hospital list
• Vitality Care, offering a team of specialist doctors and nurses for ongoing complex claims such as cancer or mental health concerns
• Access to a set number of talking therapy sessions for mental health issues (e.g. counselling and cognitive behavioural therapy) as standard
• Physiotherapy as standard when you add outpatient cover to your policy rather than as part of a separate therapies benefit for a further additional premium
• Vitality points and rewards, offering discounts on fitness trackers which you can then use to track your exercise to gain rewards such as high street discounts and lower premiums the following policy year
• Access to lifestyle surgery such as breast reduction or weight loss procedures subject to strict eligibility criteria and you paying 25% of the cost upfront.

Making Sure You Get The Best Cover

Given our expertise we know when some of the smaller niche providers maybe more appropriate for your circumstances.

As part of our fee-free service we provide you with a recommendation report which compares prices and policy details of all the best options given your circumstances. It enables you to make an informed decision knowing you have received expert advice.

If you want to get an indication of pricing before speaking to an adviser you can compare instant online quotes from all the top UK insurers here →

Comparing The Cost Of Health Insurance In 2021

Insurers base the cost of Health Insurance on various personal factors, such as your age and smoker status.

They’ll also price premiums on policy factors, such as your excess and the options you choose.

It’s therefore difficult to work out exactly how much your premiums will be without taking into account your circumstances.

However, for a rough idea of premiums, we’ve laid out a comparison of Health Insurance quotes in the table below. To calculate the premiums, we’ve assumed that the individual is:

• In good health
• A non-smoker
• Willing to pay a £250 excess
• Based in the same postcode as the advisers in our Brighton office.

Please bear in mind this is only an indication of cost and your own premiums will be heavily dependent on your personal circumstances and the options you select.

Compare Health Insurance Quotes & Expert Advice

Each insurer has its own unique policy, and each policy offers variations in cover and additional benefits. It can therefore become a bit of a minefield if you don’t have the right tools and expertise to properly compare Health Insurance.

At Drewberry, we have a team of experts to make surely you get a proper Private Medical Insurance comparison and make the right decision when it comes to your cover.

Why Speak to Us…

We started Drewberry™ because we were tired of being treated like a number.

We all deserve a first class service when it comes to issues as important as protecting our health. Below are just a few reasons why it makes sense to talk to us.

• There is no fee for our service
• We are an award winning 🏆 independent insurance broker who works with all the leading UK insurers
• You’ll speak to a dedicated expert from start to finish
• We are very proud of the 3150 and growing independent client reviews rating us at 4.92 / 5
• Claims support when you need it most.
• We are authorised and regulated by the Financial Conduct Authority. You can find us on the financial services register here 🧐
• Claims support when you need it most.

For help and fee-free advice, simply give us a call on 02074425880 or email help@drewberry.co.uk.