My Health Pal · Clear information
Terms and disclosures
How our advice service works, the insurers we compare and how we are paid.
Who we are
My Health Pal is a trading style of MIP Group Ltd, an appointed representative of Clarity Insurance Services Limited. Clarity Insurance Services Limited is authorised and regulated by the Financial Conduct Authority, reference number 919083. MIP Group Ltd is registered in England and Wales, company number 15426439. Our contact address is Kestrel Suite, North 2nd B, The Wheelhouse, Bond’s Mill Estate, Stonehouse, Gloucestershire, GL10 3RF.
Our advice service
We discuss your needs and recommend suitable private medical insurance options from our panel. Our recommendation explains the selected cover and relevant limitations. Please read the quotation, underwriting decision, policy wording and schedule before deciding; the insurer’s documents define your insurance cover.
The insurers we compare
We compare health insurance from a panel of leading UK insurers, including Bupa, AXA Health, Aviva and Vitality. We do not compare every UK insurer or every policy. We do not have an agency with HMCA, Saga or Kindred. Information about an insurer on this website does not mean we can arrange its policies. We can help compare an existing policy with alternatives available through our panel.
Fees and commission
Our service is free to customers. We charge no advice fees or administration fees, with no exceptions. We receive commission from the insurer when a policy is arranged. Please ask if you would like more information about how we are paid.
Choosing and switching cover
Price is only one part of a comparison. Benefits, excesses, hospital lists, limits, exclusions and underwriting can differ. Existing conditions may be excluded, and standard PMI generally excludes ongoing chronic-condition management. A switch does not guarantee identical benefits, continued condition cover or unchanged premiums. Obtain written confirmation of new cover and its start date before cancelling an existing policy.
Your information and policy documents
Answer insurer questions accurately and tell us if information relevant to the quotation changes. We will explain what information is needed for your application. Ask for the applicable Terms of Business and policy documents before arranging cover. Contact us if you need help understanding any term.
Renewal savings
Our customers have saved an average of 28.24% on renewal since February 2026. Individual savings vary. Compare benefits, exclusions and underwriting as well as price. This is an average of customer renewal savings, not a guaranteed or “up to” saving for an individual quotation.
Privacy, complaints and support
Read our privacy policy, complaints information and accessibility support. To ask about our service or request documents, contact advice@myhealthpal.co.uk or 01453 621 250.