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We've got you covered

Compare Individual private medical insurance and business health cover with our dedicated team of specialists. Backed by over 30 years of broker and insurer-side experience.

We provide a complimentary detailed assessment of your needs, with a full breakdown of your cover options. We offer whole of market access, and will always do our best to negotiate you the very best price from the Insurer.

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Team Behind Your Trusted Partner.

At My HealthPal, we are dedicated to being more than just a health insurance provider. We are your trusted partner in navigating the complexities of insurance, offering expert guidance and personalized solutions 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.

Meet - Matt HallSME DIRECTOR
Meet - James Bradley


Services We Offer

Discover peace of mind and security with MyHealthPal, where our expertise in health insurance ensures that you and your loved ones receive the coverage you deserve.

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. Welcome to private medical insurance.

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Private Medical Insurance

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Family Health Insurance

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Over 50s Health Insurance

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International Health Insurance

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Business Health Insurance

Attract top talent, protect your best assets and get them back on their feet as quickly as possible. Different cover benefits and underwriting available for each employee.

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Small Business Health Insurance

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Group Business Health Insurance

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Business owner Health Insurance

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Group leaver Health Insurance

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Trusted Health Insurance
Providers in the UK

Learn more about the benefits and options available through each provider.

Don't just take our word for it. Read Some Real Reviews, From Real Customers.

Being new to private health insurance I didn’t know what to expect, James understood this and was clear, concise and more importantly patient with me. We spoke about different options, hospitals and levels of cover. I genuinely felt like he had my interests at heart.
Mr Marshall
Having spoken with James I was surprised to find that the benefits on my plan were not suited to my needs. We had a thorough conversation about what was important to my family. Ultimately, I saved around £200 per month and now have a plan tailored to my family. Thank you.
Mr Carter
James recently organised our private health insurance. He was very knowledgeable and professional and kept us up to date every step of the way. I wouldn’t hesitate to recommend his services.
Ms Hawtin
Having know Matt for a number of years, dealings with him have personally always been an easy one and a pleasure. Providers need brokers as much as brokers need providers. The only thing that truly makes this work is the ability for both sides to see and appreciate the value in having and maintaining an open and honest relationship. ThisRead More
Yogesh Patel
Working with Matt Hall was a game-changer as his expertise and personalised approach made all the difference. Matt took the time to understand my needs and budget, then presented me with tailored options that gave me peace of mind. Matt’s commitment to transparency and advocacy ensured I got the coverage I needed at the best possible price. I highly recommendRead More
Chris SlackMD
I cannot praise Matt Hall enough for his fantastic advice and service. From the moment I reached out, Matt provided invaluable guidance, helping me navigate the complexities of health insurance with ease. His expertise ensured I found the perfect plan tailored to my company, saving both time and money. I highly recommend Matt to anyone seeking reliable and knowledgeable assistanceRead More
Shaun SmithOperations Director, Sheffield Steelers

“Catch a glimpse of what our clients have to say, then dive deeper for the full stories. Continue to read more… about our exceptional service!”

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 gives you even more options! It allows you to:

Get treated at private hospitals and see private medical specialists.

Often get seen way faster than NHS wait times.

Access medications and private healthcare treatments not available on the NHS.

There are two main types of private policies in the UK - comprehensive and supplementary. Comprehensive policies cover the full cost of private medical treatment. Supplementary plans cover extras like private rooms or specialist drugs to complement your NHS care.

What Does Private Health Insurance Cover?

With most private medical insurance plans, you’ll enjoy:

Health insurance treatment process

Inpatient diagnostic tests and surgical treatment.

Outpatient follow-up care.

Specialised physiotherapy services.

Critical illness coverage for serious health conditions like cancer.

Virtual or in-person diagnostic tests with GPs.

Radio/Chemotherapy treatments from cancer specialists.

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.

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

Customised coverage just for you. Perfect for single adults who want health insurance flexibility.


Corporate Plans

We partner with businesses big and small to provide quality private medical benefits for employees.


Expat Plans

If you’re a UK citizen living abroad, we’ve got international health insurance solutions to keep you covered.

No matter your situation, our advisors will help you select the perfect plan type and coverage level to protect you and your loved ones.

The Benefits of Private Medical Insurance

Private medical insurance can offer:

Faster Treatment

Our top benefit! Bypass NHS waiting lists to get seen and treated quickly by private specialists.

Choice of Premium Providers

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 walk you through all policy terms, coverage exclusions, premium costs and more.


Sign Up for Coverage

Once you’ve selected the right plan, enrol online or over the phone. Coverage starts on your policy date!


Seek Private Treatment

When you need medical care, simply provide your policy details and authorisation from your insurer at any private provider they approve.


Submit a Claim

Your health insurance provider handles all claims directly with the private hospital, consultant or facility to keep things seamless for you.

The cost of Private Medical Insurance in the UK
can vary widely depending on several key factors:

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 outpatient cover tend to be the most affordable options. As you add more comprehensive coverage, costs of health insurance increase.

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.

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.

Request a personalised health insurance quote from our team. We’ll make sure your insurance policy fits your desired coverage level and life situation. Premiums can range from very affordable to quite expensive, depending on your needs. If you are already on cover, 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? More choices equals better access to treatment.

2.Policy Cost Value

Is the premium worth it for the level of cover provided? Avoid overpaying for services you don’t need.


Customer Satisfaction

Check independent review sites and ratings to gauge an insurer’s customer service reputation.


Cover Comparison

Carefully review and compare policy documents side-by-side to assess exclusions, limits and out-of-pocket costs.


Healthcare Needs

Consider any specific treatment requirements your household may have both now and in the future.


Switching Ease

If already insured, understand how to smoothly transition your cover between providers when needed.

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.

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.

  • What if I have a pre-existing condition?

    While often excluded from standard plans, our advisors can help you find specialist insurers and medical insurance policies that cover any pre-existing medical conditions you have.

  • 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.

“Ready to secure your health and peace of mind? Contact us today to explore your insurance options!”

Explore Our Latest Articles

Explore our blog for expert advice and insights on all things insurance, from navigating policy options to maximizing coverage benefits.