Compare the UK's Leading Health Insurers. Get the Right Cover at the Right Price.
Compare private medical insurance and health cash plans from every major UK provider — every figure verified against the provider's own documents — so you get the right policy, not just the cheapest one.
- All 9 major providers compared
- Free & no obligation introductions
- Takes 60 seconds to compare
- Every figure verified & dated
Find out what you'd pay in 60 seconds
Answer a few quick questions and compare options from the UK's leading providers — free, no pressure, no obligation. When you're ready for advice, we introduce you to independently FCA-authorised advisers.
Free & no obligation · Takes 60 seconds
Two products. Here's which one you actually need.
They solve different problems, and plenty of people buy the wrong one. Here's the quick version.
Private Medical Insurance
If an NHS wait would derail your life, PMI buys private diagnosis, treatment and cancer care. Plans from £25.18/month (Bupa's own under-30 example, May 2026).
Compare private medical insurance →Health Cash Plans
Cashback on the everyday stuff — dental check-ups, eye tests, physio — from £7.20/month (July 2026). No medical underwriting, children often covered free.
Compare health cash plans →Not Sure Which?
Cash plans refund the predictable; PMI insures the serious. Two minutes here saves months of paying for the wrong product.
See the difference →One quick form. Compare your options. No pressure.
Just a quick assessment, your comparison, and a helping hand when you want one.
Tell us about yourself
Quick questions about you and the cover you're after. Done in 60 seconds.
Compare your options
See how the UK's major providers stack up for your situation — verified figures, honest verdicts.
You decide
Take your time, or talk it through with an independently FCA-authorised adviser we introduce. Free, no obligation.
Most people don't think about this until they're already waiting
These aren't scare tactics — they're the published numbers, dated. And they're exactly why more people are comparing private cover.
Pathways on the NHS waiting list
Roughly 6.2 million people waiting for consultant-led care, with a median wait of 12.4 weeks (NHS England, May 2026).
Of NHS pathways wait over 18 weeks
The NHS constitutional standard says 92% should be treated within 18 weeks. More than one in three now waits longer (May 2026 data).
Nuffield Health's self-pay hip replacement price
Going private without insurance means bills like this — Practice Plus Group charges £13,199 fixed (published prices, 2025–26). Insurance exists for exactly these numbers.
Of the UK now has private medical insurance
8.43 million people — the highest share since 2008 — and workplace schemes hit a record 4.8 million (LaingBuisson, Oct 2025; ABI, Jan 2026).
You're already thinking about it. That's the hardest part.
See What You'd Pay →Nine providers reviewed. No punches pulled.
No paid rankings, no fake reviews — just what the policy documents actually say, verified July 2026 and re-checked every ~90 days. Six highlights:
Direct Access without GP referrals, dental as standard and no upper age limit — priced mid-pack on its own May 2026 examples.
Read the full review →Full cancer cover and £2,000 outpatient mental health included before any add-ons, with a published no-claims discount to 75%.
Read the full review →The only 3-year moratorium look-back in the market — recent-ish medical history gets a fairer deal than the usual 5 years.
Read the full review →8 talking-therapy and 6 physio sessions self-referred, plus rewards that genuinely damp renewal increases if you stay active.
Read the full review →97% of claims authorised (at 31 Dec 2025) and the only Which? Recommended PMI Provider — just remember its Cancer Care extra.
Read the full review →Unlimited in-patient treatment and uncapped all-stages cancer cover in core; paid 90% of claims in 2025.
Read the full review →Frequently asked questions
🏥 Private Medical Insurance
💷 Costs & Tax
➕ Health Cash Plans
Curious what cover would cost you?
It takes 60 seconds. It costs nothing to check.
See What You'd Pay →All 9 major UK providers • Every figure verified & dated • Free & no obligation