{"id":90097,"date":"2018-02-21T10:59:51","date_gmt":"2018-02-21T10:59:51","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=90097"},"modified":"2026-05-11T05:39:46","modified_gmt":"2026-05-11T04:39:46","slug":"health-insurance","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/health-insurance","title":{"rendered":"Compare health insurance"},"content":{"rendered":"<div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What types of health insurance can I get?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>There are a few different types of health insurance policies out there, each covering different treatments. It\u2019s important to understand the differences so you can find the right insurance for you.<\/p><p>Cover varies depending on each provider, but below are examples of some of the types of treatments you can find cover for:<\/p><ul><li><strong>Outpatient treatments.<\/strong> An outpatient is someone who visits a hospital for tests or consultations without staying overnight. Health insurance would cover you for these treatments.<\/li><li><strong>In-patient treatments.<\/strong> An in-patient is someone who is admitted to hospital whilst undergoing treatment. Health insurance would cover you for these treatments as well as your stay in hospital.<\/li><li><strong>Day-patient treatment.<\/strong> A day patient is someone who takes up a bed in hospital but does not stay over night, returning home after their test or procedure.<\/li><li><strong>Radiotherapy and chemotherapy.<\/strong> Many providers offer cancer cover which can include cover for surgeries, chemotherapy and radiotherapy.<\/li><\/ul><\/div><\/div><\/div><style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n.uk-hero-rates .text-xxx-large { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n<\/style>\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\" aria-label=\"Learn more about what Promoted means on Finder\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\">\r\n<use xlink:href=\"#info-circle\"><\/use>\r\n<\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/health-insurance\/activequotehealthinsurance-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22105ee25e-3394-4288-8d92-cdfc72f69ae9%22%2C%22product_name%22%3A%22Active%2BQuote%22%2C%22offer_id%22%3A%225893%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFHI%22%2C%22post_id%22%3A%2290097%22%2C%22post_path%22%3A%22health-insurance%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5d35a3a4ae7bb.png\" alt=\"Active Quote\" class=\"has-margin-bottom-xsmall has-padding-small no-padding-top has-margin-top-small\" style=\"width: 168px; min-width: 120px; max-height: 140px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5d35a3a4ae7bb.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5d35a3a4ae7bb.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5d35a3a4ae7bb.png?fit=504 504w\" sizes=\"(max-width: 504px) 100vw, 504px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<div class=\"has-margin-bottom-xsmall text-xxx-large weight-normal\">Compare leading health insurance providers<\/div>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n\r\n\r\n\r\n<li>Instant online quotes<\/li>\r\n\r\n<li>Fee FREE insurance advice<\/li>\r\n\r\n<li>Open 6 days a week<\/li>\r\n\r\n\r\n\r\n<\/ul>\r\n\r\n\r\n<\/div>\r\n<div class=\"applylinks u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/health-insurance\/activequotehealthinsurance-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22105ee25e-3394-4288-8d92-cdfc72f69ae9%22%2C%22product_name%22%3A%22Active%2BQuote%22%2C%22offer_id%22%3A%225893%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFHI%22%2C%22post_id%22%3A%2290097%22%2C%22post_path%22%3A%22health-insurance%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button\">Go to site<\/a>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How can I save on my health insurance?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Just like other types of insurance, there are little tips and tricks that you can do to bring down your premiums. Health insurance can be one of the most expensive types of insurance out there so check out our list of handy hacks that could potentially end up saving you hundreds of pounds.<\/p><p><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/GettyImages-939048000.jpg\" alt=\"health-insurance\" width=\"325\" height=\"215\" class=\"alignright size-full wp-image-19453\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/GettyImages-939048000.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/GettyImages-939048000.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/GettyImages-939048000.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/GettyImages-939048000.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/GettyImages-939048000.jpg?fit=975 975w\" sizes=\"(max-width: 975px) 100vw, 975px\" loading=\"lazy\"><\/p><ul><li><strong>Opt to pay a higher excess.<\/strong> Like with other types of insurance, you can often bring down the price of premiums by opting to pay a higher excess in the event of a claim. However, it is important to keep it to an affordable figure in keeping with your lifestyle and budget.<\/li><li><strong>Don\u2019t pay for services you don\u2019t need.<\/strong> This may seem like an obvious point, but there is no need to pay for cover that you don\u2019t need. This may mean opting for a more basic policy or tailoring a policy to suit your specific requirements.<\/li><li><strong>Shop around.<\/strong> One of the best ways to find the best deal is to compare providers and policies. Don\u2019t forget, it\u2019s important to compare policy features as well as price.<\/li><li><strong>Use a broker.<\/strong> One way of cutting down costs or increasing your policy features is to go through a broker. Brokers can negotiate with insurers on your behalf, they can also often offer advice on which policy is right for you.<\/li><li><strong>Healthier lifestyle.<\/strong> If you live a healthy lifestyle, you\u2019re less likely to claim and therefore less of a risk to health insurers. In the world of insurance, risk equals low premiums. So if you\u2019re looking to save money on your private health care policy then quit smoking and hit the gym.<\/li><\/ul><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How do I compare health insurance providers?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Now that you hopefully have an idea of the types of treatments you can get cover for with health insurance, you\u2019re probably keen to dive right in and start comparing policies. However, there are still some final points to consider before you compare.<\/p><ul class=\"list-10\"><li><strong>Include all costs.<\/strong> Don\u2019t forget, when adding up the price of your premiums to include additional costs that may also accompany your health insurance policy, including excess payments and\/or administration fees.<\/li><li><strong>Know your claim limits.<\/strong> Each health insurance policy will have a maximum monetary amount for each claim. Make sure you are aware of the claim limits for each provider you compare.<\/li><\/ul><\/div><\/div><\/div><h3>What isn\u2019t covered under health insurance?<\/h3><p>There are some common policy exclusions when it comes to health insurance. Generally you would not receive cover for the following:<\/p><ul class=\"list-12\"><li><strong>A&amp;E visits.<\/strong> Unfortunately, if you\u2019re rushed to Accident and Emergency and treated, you won\u2019t be able to claim on your health insurance.<\/li><li><strong>Chronic conditions.<\/strong> Health insurance does not cover conditions that are long term or cannot be cured, for example asthma or diabetes.<\/li><li><strong>Pre-existing conditions.<\/strong> Your health insurance won\u2019t cover you for conditions that you had previously developed before your policy began.<\/li><li><strong>Organ transplants.<\/strong> You\u2019re not likely to find health insurance cover for organ transplants.<\/li><li><strong>Cosmetic surgery to improve your appearance.<\/strong> This is also not something that health insurance usually covers, however many insurers will pay for \u2018eligible\u2019 surgery required to restore appearance following an accident or cancer surgery.<\/li><li><strong>Pregnancy or childbirth costs.<\/strong> Complications during pregnancy or childbirth may be covered by your insurer but delivery costs are normally exlcluded.<\/li><\/ul><h3>How can we help?<\/h3><div class=\"u-grid u-grid--alignStretch insurance-tiles\"><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border luna-card--stretch\"><figure class=\"luna-card__figure\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/health-insurance\/activequotehealthinsurance-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22site%22%3A%22UKFHI%22%2C%22title%22%3A%22Call%2B0800%2B862%2B0945%22%2C%22class%22%3A%22luna-image%22%2C%22image%22%3A%22https%253A%252F%252Fcdn.finder.com.au%252Ffinder-us%252Fwp-uploads%252Fsites%252F3%252F2019%252F07%252Ftilesfhi-3.png%22%2C%22offer_id%22%3A%225893%22%2C%22niche_code%22%3A%22UKFHI%22%2C%22product_id%22%3A%22105ee25e-3394-4288-8d92-cdfc72f69ae9%22%2C%22product_name%22%3A%22Active%2BQuote%22%2C%22provider_id%22%3A%22f88cdb90-995a-422c-831c-f076f2f4c755%22%2C%22provider_name%22%3A%22Active%2BQuote%22%2C%22post_id%22%3A%2290097%22%2C%22post_path%22%3A%22health-insurance%22%2C%22post_country%22%3A%22uk%22%7D\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfhi-3.png\" alt=\"Happy people eating breakfast after jogging\" class=\"luna-image\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfhi-3.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfhi-3.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfhi-3.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfhi-3.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfhi-3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/figure><div class=\"luna-card__block\"><h4>Speak to an expert advisor<\/h4><p>Talk to a fee-free life insurance advisor from our partner ActiveQuote. Call free (mobile or landline).<\/p><p><a href=\"tel:08008620945\" class=\"luna-button luna-button--success luna-button--fluid\" title=\"Call 0800 862 0945\">Call 0800 862 0945<\/a><\/p><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border luna-card--stretch\"><figure class=\"luna-card__figure\"><a target=\"_blank\" rel=\"sponsored\" 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kitchen\" class=\"luna-image\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfil-2.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfil-2.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfil-2.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfil-2.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfil-2.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/figure><div class=\"luna-card__block\"><h4>Health Insurance quote<\/h4><p>Complete our form to get a personalised information health insurance quote to suit your particular needs.<\/p><a target=\"_blank\" rel=\"sponsored\" 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href=\"https:\/\/www.finder.com\/redirect\/uk\/health-insurance\/activequotehealthinsurance-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22site%22%3A%22UKFHI%22%2C%22title%22%3A%22Get%2Binstant%2Bquotes%22%2C%22class%22%3A%22luna-image%22%2C%22image%22%3A%22https%253A%252F%252Fcdn.finder.com.au%252Ffinder-us%252Fwp-uploads%252Fsites%252F3%252F2019%252F07%252Ftilesfil-3.png%22%2C%22offer_id%22%3A%225893%22%2C%22niche_code%22%3A%22UKFHI%22%2C%22product_id%22%3A%22105ee25e-3394-4288-8d92-cdfc72f69ae9%22%2C%22product_name%22%3A%22Active%2BQuote%22%2C%22provider_id%22%3A%22f88cdb90-995a-422c-831c-f076f2f4c755%22%2C%22provider_name%22%3A%22Active%2BQuote%22%2C%22post_id%22%3A%2290097%22%2C%22post_path%22%3A%22health-insurance%22%2C%22post_country%22%3A%22uk%22%7D\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfil-3.png\" alt=\"People hiking\" class=\"luna-image\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfil-3.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfil-3.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfil-3.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfil-3.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/tilesfil-3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/figure><div class=\"luna-card__block\"><h4>Policy switch quote<\/h4><p>Compare online quotes from leading insurance providers to find a new policy that\u2019s right for you.<\/p><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/health-insurance\/activequotehealthinsurance-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22site%22%3A%22UKFHI%22%2C%22title%22%3A%22Get%2Binstant%2Bquotes%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%22%2C%22offer_id%22%3A%225893%22%2C%22niche_code%22%3A%22UKFHI%22%2C%22product_id%22%3A%22105ee25e-3394-4288-8d92-cdfc72f69ae9%22%2C%22product_name%22%3A%22Active%2BQuote%22%2C%22provider_id%22%3A%22f88cdb90-995a-422c-831c-f076f2f4c755%22%2C%22provider_name%22%3A%22Active%2BQuote%22%2C%22post_id%22%3A%2290097%22%2C%22post_path%22%3A%22health-insurance%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success\">Get instant quotes<\/a><\/div><\/article><\/div><\/div><h3>Frequently asked questions<\/h3><h4>Purchasing your policy<\/h4><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What is the best type of health insurance to purchase?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">There\u2019s no single \u201cbest\u201d policy, although there some handy tips that are useful in most situations. For example, to keep the cost down it\u2019s best to opt for a cheap policy that specifically covers treatments you think you may need, rather than a more expensive comprehensive policy. For example, choosing a policy that covers physiotherapy and hospital stays, but not dentistry or homeopathy, may be a better option if you think that those are treatments you\u2019re likely to need.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Do I need health insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No-one in the UK <strong>needs<\/strong> health insurance as we are lucky enough to have free health care under the NHS. However, health insurance gives you access to the benefits of private medical care.<\/p><p>Benefits of private medical care include quicker diagnosis, shorter waiting times and potentially better facilities. With health insurance you can also enjoy:<\/p><ul class=\"list-1\"><li>The ability to choose the hospital where you are treated.<\/li><li>The ability to choose the doctor or specialist who treats you.<\/li><li>Access to a private or shared room in a private hospital.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How do I choose a policy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The first step is to consider what illnesses or injuries you want to insure yourself against, and then consider the types of treatment you want to cover. Once you\u2019ve worked this out, you can then start to get quotes from a health insurance broker or browse online. You can then compare these quotes to find the best deal. When doing so, make sure the policy offers the cover you need, is affordable, whether there\u2019s any limits on how much or how often you can claim and if there\u2019s a qualifying period. That last one is a period of time that you must wait before you can make a claim \u2013 so it\u2019s important to check this before accepting a policy!<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What are the different types of health insurance policy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>There are three main types of health insurance policy \u2013 budget, mid-range and comprehensive. Budget, unsurprisingly, is the cheapest of these and will normally only cover day-patient and in-patient treatment, and they\u2019ll likely be limits on what you can claim. Mid-range policies will cover the same treatments while also covering some outpatient treatments. A comprehensive policy meanwhile will provide full cover for in-patient, outpatient and day-patient cover while also covering psychiatric and therapeutic cover.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Is it worth it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you\u2019re happy with NHS treatment, then private health insurance simply isn\u2019t worth it. If you want or need private treatment, however, then an insurance policy may be the most straightforward way to pay for it.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Are there any alternatives?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>In addition to NHS treatment, there\u2019s also healthcare cash plans. These are schemes that you pay into each month. They allow you to claim back the cost of some types of medical treatment after you\u2019ve paid the initial bill.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h4>Adjusting your policy<\/h4><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Can I lower the cost?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, the cost of health insurance can be made cheaper by a variety of means. Chief among these is a no claims discount: this is when you\u2019ve had health insurance for a while and, during that time, you haven\u2019t made any claims. As a result, your premiums become cheaper. Other ways include an excess, which is the amount you pay towards treatment yourself when you make a claim. A higher excess will normally make your premium lower, but will make claiming on your policy more expensive.You can also get cheaper cover by using nominated hospitals, and some insurers will also reduce your premiums if you keep in good health.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">Will my health affect the cost?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, it\u2019s possible your health could affect the cost of your insurance. If you have a pre-existing condition, for example, then insurance is likely to cost you more. Some policies, however, may only charge more if you need to cover treatment for a condition.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">Can I still use the NHS if I have health insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Having private health insurance cover won\u2019t prohibit you from receiving treatment free of charge on the NHS. Alternatively, you could use your insurance cover to pay for treatment.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">Will my health insurance cover me abroad?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It\u2019s relatively uncommon for health insurance to cover you both at home and abroad \u2013 it\u2019s likely that you\u2019ll need two separate policies for this. Many <a href=\"https:\/\/www.finder.com\/uk\/travel-insurance\">travel insurance<\/a> providers also offer medical cover for your trip overseas, for example.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">Can I use any hospital?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000010\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No, unlike the NHS, most private insurance plans will specify which hospitals you can use for your treatment. When you\u2019re referred for treatment, you\u2019re likely to be given a list of hospitals by your insurance company.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000011\" data-toggle=\"collapse\" data-target=\"#accordion0000000011\">\n        <span class=\"luna-accordion__title\">Can I get health insurance for my family?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000011\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you can. The ways to this are to either take out individual policies for each family member, or to get a single family policy that covers the whole family.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000012\" data-toggle=\"collapse\" data-target=\"#accordion0000000012\">\n        <span class=\"luna-accordion__title\">Can I get health insurance if I'm disabled?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000012\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you can. It\u2019s important that you check that your policy covers treatments related to your disability though, as some providers won\u2019t cover these.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><\/div>","protected":false},"excerpt":{"rendered":"<p>Use our guide to compare health insurance policies. Whether you&#8217;re looking for the cheapest healthcare provider or the most comprehensive, we can help.<\/p>\n","protected":false},"author":179,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-masthead-two-column.php","meta":{"footnotes":""},"tags":[],"class_list":["post-90097","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare health Insurance policies for \u201c2026\u201d | Finder UK<\/title>\n<meta name=\"description\" content=\"Looking for private health insurance? 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