Why shouldn't I just go directly to an insurer?

Going direct means you only see one company's products. Using a comparison service ensures you evaluate multiple providers to find the most competitive pricing and the specific cover features you need.

Will comparing quotes impact my credit score?

No. Comparing health insurance quotes does not require a hard credit check and will have zero impact on your credit score.

What does 'excess' mean in health insurance?

The excess is the amount you agree to pay upfront towards your treatment in a policy year before the insurance covers the rest. A higher excess typically results in a lower monthly premium.

Are pre-existing conditions covered?

Typically, private health insurance does not cover pre-existing conditions you had before taking out the policy. However, this depends on the underwriting method chosen (e.g., Moratorium vs Full Medical Underwriting).

Can I switch my current provider to get a better deal?

Yes. Many people switch providers to reduce costs or improve their cover. It is highly recommended to seek expert advice to ensure you do not lose cover for any conditions developed while on your previous policy.

Compare & Save

Compare Private Health Insurance

Navigating the health insurance market doesn't have to be complicated. Learn about the different tiers of cover, and connect with an insurance specialist working for an FCA-authorised firm to explore options suited to your needs and budget.

Explore Your Options

Cover Options

Explained

Simple

Enquiry

No Charge

To Make an Enquiry

Clear

Information

Learn about cover levels from leading UK health insurers

BupaAXA HealthAvivaVitalityWPAThe Exeter

Understanding Cover Levels

Health insurance is highly customizable. Here is a general breakdown of how different tiers of coverage compare.

Feature

Basic

Standard

Comprehensive

Inpatient Care (Hospital Stays)

Surgical Procedures

Virtual GP Services

Outpatient Cover (Scans/Tests)

Limited

Full

Specialist Consultations

Limited

Full

Mental Health Support

Optional

Physiotherapy

Optional

Dental & Optical

Optional

Worldwide Cover

Optional

Understanding Excess & How It Affects Your Premium

Your excess is the amount you agree to pay upfront towards your medical treatment in a policy year before your insurance covers the rest. Adjusting this is one of the easiest ways to manage your monthly premiums.

£0 - £100

Lowest excess, highest monthly premium. Best if you expect to claim frequently.

£250

A popular middle ground balancing affordable premiums with manageable upfront costs.

£500

Significantly lowers your monthly premium, suitable if you only want cover for major issues.

£1000+

Lowest monthly premium. Often chosen by those wanting a safety net for severe conditions only.

What To Consider When Comparing Policies

A cheaper policy isn't always better. Here's what to consider when comparing options:

Hospital Lists: Ensure the hospitals most convenient to you are included in the insurer's network. Comparing NHS vs Private often comes down to facility choice.
Outpatient vs Inpatient: Basic plans cover hospital stays, but comprehensive plans cover diagnostics and consultations.
Mental Health Benefits: Crucial for many businesses and individuals wanting full holistic support.
Cancer Treatment Coverage: Check the extent of cover for breakthrough drugs and therapies.
Virtual GP Inclusion: Many policies now include 24/7 digital GP access as standard.
Excess Levels: As explained above, this directly impacts your premium.
Underwriting Method: Choosing between Full Medical Underwriting (FMU) and Moratorium. Learn more in our Underwriting Explained guide.

Who Should Compare Private Health Insurance?

Whether you are buying for the first time or looking to switch, comparing the market is essential.

Self-Employed Professionals Business Owners Contractors Company Directors Families Anyone Switching Providers

Success Stories

See how comparing cover options has helped our clients.

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“Elev8's service switched my family cover from BUPA with ease. Clear, precise advice made. Would definitely recommend.”

Sonia ChawlaGoogle Review

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Alex McKayGoogle Review

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“Great info about getting health cover for my businesses. Smooth process to get my quote. Would definitely recommend this service.”

Mark BakerGoogle Review

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“Came across elev8 looking for health cover for small business. Found the information really useful. Found a great level of cover at a good price.”

Sandra ButlerGoogle Review

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“Elev8 was swift to respond and put me in touch with a fantastic advisor. The info and layout of Elev8's site was clear and precise and easy to digest. Would definitely recommend!”

Jane HindmarshGoogle Review

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“Received support and advice from service provider lots of clear explanations to help me support my small business and my members of staff.”

Jacqui GiffinGoogle Review

How To Choose The Right Health Insurance

Determine Your Budget

Decide what monthly premium you are comfortable with. Adjusting your excess can help manage costs.

Assess Outpatient Needs

Basic plans cover hospital stays, but you may want comprehensive cover for out-patient scans and tests.

Check Hospital Lists

Ensure the hospitals most convenient to your home or office are included in the insurer's network.

Consider Family Add-ons

It is often more cost-effective to build a joint or family policy than maintaining individual plans.

Speak to an Expert

An insurance specialist working for an FCA-authorised firm can compare the market to help you understand the potential value of your investment. It is also worth regularly reviewing your policy at renewal via a health insurance renewal enquiry to keep premiums in check.

Health Insurance Comparison FAQs

Ready to Explore Your Options?

Learn more about your options and connect with an insurance specialist working for an FCA-authorised firm from leading UK health insurers.

Explore Your Options