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Compare private medical insurance and small business health cover with our dedicated team of specialists.
Backed by over 30 years of broker and insurer experience.
We conduct a whole of market comparison, to find you the most appropriate policy based on your individual circumstances. Let's get you the best health insurance quote quickly.
Start A QuoteThe Customers We Can Help
We Have Two Dedicated Teams. Private Health Insurance Covers Individual, Couple, Family and Over 50's. SME Covers Small Business Health Insurance, as Well as Group/Corporate. We Also Have a Specialist Team That Handle Cases With Complex Pre-Existing Medical History, With Direct Communication Into the Underwriting Teams at Most of the Insurers on the Market.
Individual Health Insurance
Ultimate medical piece of mind for when you need it most. Fast track your diagnosis, with access to the very best consultants on the market. Cutting edge treatment in state of the art facilities. Medical treatment, on your terms, when it suits you. Cover available for single person, couple, family, child only and over 50's.
Learn MorePrivate Medical Insurance
Learn MoreFamily Health Insurance
Learn MoreOver 50s Health Insurance
Learn MoreInternational Health Insurance
Learn MoreBusiness Health Insurance
Attract top talent, protect your best assets and get them back on their feet. Different cover benefits and underwriting available for each employee. SME and Group health cover can also be a tax efficient benefit. Preferencial underwriting methods also available for business health insurance.
Small Business Health Insurance
Learn MoreGroup Business Health Insurance
Learn MoreBusiness owner Health Insurance
Learn MoreGroup leaver Health Insurance
Learn MoreTeam Behind Your Trusted Partner.
At My HealthPal, we are dedicated to being more than just a health insurance broker. We are your trusted partner in navigating the complexities of insurance, offering expert guidance and personalized recommendations to ensure you receive the coverage that best fits your needs. With a commitment to transparency, integrity, and exceptional customer service, we strive to build lasting relationships with our clients based on trust and reliability. We won't drop you after renewal - if you need help with your policy during the year, need to make changes or want help starting a claim, we are there for you.
Get a comprehensive health insurance quote now
We are a Whole of Market Health Broker With a Best Price Guarentee.
Learn more about the benefits and options available through each provider.
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What Is Health Insurance?
You never know when an unexpected illness or injury might strike. That’s where private health insurance comes in - it’s your safety net to get medical care quickly without worrying about huge bills.
In the UK, we all have access to free healthcare through the NHS. But private medical cover increases the choices you can make. It allows you to:
Get treated at state of the art private facilities, at a time that’s fits around your schedule.
Fast Diagnosis and Treatment
Access medications and treatments not available on the NHS. Cancer drug access is typical much broader privately.
Private health insurance is typically offered in various levels of cover, ranging from basic benefits through to comprehensive cover. Typically, even the most basic of PMI will provide IN and DAY Patient cover. Insurance generally gets more comprehensive when you start adding in budget pots towards outpatient diagnostics & consultations. You can also select add-ons such as Dental, Optical, Therapies, Mental Health - the list is ever expanding. Comprehensive cover normally provides unlimited outpatient benefit, plus often some of the occupational benefits listed above.
What Does Private Health Insurance Cover?
With most private medical insurance plans, you’ll enjoy:
What Private Health Insurance Does Not Cover?
While our policies aim to provide comprehensive private medical coverage, some exclusions and limitations typically apply under policies. However, exact exclusions can vary depending on the plan you choose, so be sure to review carefully.
Common exclusions found in many UK private health insurance policies may include:
Any pre-existing or chronic conditions you had before purchasing a plan (depending on underwriting)
Certain elective cosmetic treatments like LASIK, tummy tucks, etc. (medically necessary may be covered).
Specific policy limitations and UK underwriting clauses outlined in plan details
Don’t worry - our advisors will walk you through all the terms and limitations. Together, we’ll customise the perfect private medical insurance for YOUR needs!
What Types of Health Insurance Plans are Available?
Choosing the right private medical insurance is key to getting the coverage you need at a price you can afford. We offer a variety of plans designed to fit different lifestyles and budgets:
Family Health Insurance Policy
Combine you, your partner, and any kids under one convenient and cost-effective policy. Covers everyone’s medical essentials!
Individual Plans Including over 50s
Customised coverage just for you. Perfect for single adults who want health insurance flexibility.
Small Business Plans & Group
We partner with businesses big and small to provide quality private medical benefits for employees.
International Health Plans
If you’re a UK citizen living abroad, we’ve got international health insurance solutions to keep you covered.
The Benefits of Private Medical Insurance
Private medical insurance can offer:
Rapid Diagnosis & Treatment
Our top benefit! Bypass NHS waiting lists to get seen and treated quickly by private specialists.
Premium Facilities
Access elite private hospitals and consultants for exceptional medical care.
Comprehensive Coverage
Our plans cover a wide range of treatments, drugs, and services often excluded by the NHS.
Our insurance experts will ensure you weigh both the pros and cons carefully. Together, we’ll find the policy that delivers maximum benefits for your healthcare needs and budget.
How Private Health Insurance Works
Taking out private medical cover is straightforward, but understanding the process is key:
Get a Quote
We’ll ask some basic questions about your age, medical history and desired coverage to generate a personalised quote.
Review Policy Details
Our team will conduct a comprehensive market review considering coverage exclusions, underwriting terms, premium costs and more.
Sign Up for Coverage
Once we've agreen the right plan, we will get your cover set up on your behalf. Everything will sent in writing, but don't worry we are here all year long for you.
Seek Private Treatment
When you need medical care, simply provide your policy details and authorisation from your insurer at any private provider they approve.
The cost of Private Medical Insurance in the UK
can vary widely depending on several key factors:
Coverage Level
Plans with just basic inpatient and daypatient cover tend to be the most affordable options. You could choose to fund some of the smaller bits yourself, and protect your NCD (no claims discount)
Premium Providers
Choosing access to exclusive, top-tier hospital networks and consultants comes at a higher price point.
Number of People
Family policies that include a partner and kids will cost more than an individual plan for just yourself. If your already on cover with someone who has claimed regularly, moving yourself onto a separate plan may save you money.
Extra Benefits:
Adding things like complementary therapies, mental health cover, dental treatment, optical allowances and other optional extras will raise your premium.
Your Age
Unfortunately, health insurance premiums tend to go up as you get older due to the increased health risks that come with age.
Choice of Hospital Lists
Depending on which range of hospitals you want to access, some insurers will offer price reductions or increases. Ask us for a personalised illustration of your options. You could save a fortune and still access the hospitals you want.
Request a personalised health insurance quote from our team. We’ll make sure your insurance policy fits your desired coverage level and life situation. If your on cover already, you could be over / under insurered without realising it. You may also be able to get a much more competitive quote with a new insurer (don't worry, we have plenty of experience with complex medical history & claims) so let's see if you can switch health providers.
Key Considerations When Choosing or Switching Providers
With so many private health insurers available in the UK, it’s critical to do your research. Here are some important factors to consider:
Hospital & Consultant Choice
What private facilities and doctor networks are included in the policy? You can often consider a reduced list to save money (if you still have good access locally)
How affordable is the cover long term? Does it provide everything you may need, without being over-insured? Let's make sure it's tailored to your circumstances.
Customer Satisfaction
We conduct regular research into average claims waiting times and user experience. We also have direct lines into senior decision influencers at each insurer, so provide regular feedback.
Healthcare Needs
We try to predict the expected need you may have in the future, and use that to build the right level of cover for you.
Switching Ease
If already insured, you need to compare similar levels of cover. You also need to understand any material changes like underwriting method.
Let our expert insurance advisors guide you! We’ll provide impartial advice and make sure you choose the best-value private healthcare cover for your unique situation. You also don't need to move insurer to be a client of ours. You can just appoint us to your policy and we will still fight your corner for you! Click the 'APPOINT US' button in the top righ corner for desktop, or bottom left for mobile.
Frequently Asked Questions
Get Answers to Common Queries About Health Insurance Coverage
Which is the best private insurer in the UK?
There’s no one-size-fits-all answer, as the “best” insurer depends on your personal requirements and budget. We provide impartial advice to match you with top-rated providers. You can take a look at how the insurers stack up against each other here though.
What if I have a pre-existing condition?
This comes down to two things generally.
- Are you on cover already
- If so, how well managed is the condition / when was the last time it needed treatment.
Now treatment could be deemed ongoing medication, or still being under the care of a consultant. Some Insurers are a little more flexible if those consultations are for piece of mind, rather than medical need.
You MUST get proper advice from a qualified consultant here, so that you get the best underwriting terms available. We can often maintain cover for pre-existing conditions. There are even scenarios, where very old exclusions on existing plans can actually be reviewed/removed through fresh Full Medical Underwriting, or a new moratorium (if we deem you suitable for this).
What if my employer provides insurance?
Company health plans are a great employee benefit. We’ll review your workplace policy and make suggestions for any additional private top-up coverage you may need. If you ever need t leave the company plan (if the company ceases the benefit or you move jobs), we can give you the right advice about how to continue privately. You can take out a ‘group leaver’ product, which tends to be expensive, or a brand new moratorium, if you are suitable for this type of underwriting.
What's the difference between Inpatient, Daypatient and Outpatient?
This comes down to how long you typically spend in hospital, and what you are there for.
Outpatient> Is where you visit for a very short period of time, this could be for a consultation, a diagnostic test (like bloods, MRI, CT, PET scans) or follow up appointments.
Daypatient > Means you are using a bed just for the day – very minor surgery with little anestetic typically. A good example of this would be cataract removal.
Inpatient > You are in hospital for at least one night, usually following more invasive treatment.
As a standard rule, even the most basic proper PMI cover will provide full In & Day patient facilities, unless you’ve opted for a shared responsibility scheme (probably not advised in most scenarios)
Do I need to worry about hospital lists?
This all comes down to your postcode lottery & level of access on your doorstep.
In some areas of the UK, a reduced hospital list may see you travelling an unreasonable distance for a proper private hospital, or having to use a private wing in an NHS facility. Whilst in others, you may still be able to access the closest units of choice.
In Greater London, the hospital density is very high, however some of them are very expensive for Insurers to cover. That’s where premium hospital lists tend to be the most costly. Best thing is to speak to one of our team to give you a personal walkthrough of your options, or your welcome to check out the latest hospital lists in our handy resources area.
“Ready to secure your health and peace of mind? Contact us today to explore your insurance options!”
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