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Best Medical Cover

Searching for the
Best Health Insurance?

We’ll help find a great quote for you

Compare the Health Insurance Market

How to Compare the Health Insurance Market?
Private medical insurance gives you access to private medical treatment in a private room of a private hospital or NHS hospital without having to wait for treatment on the NHS. Private medical insurance is complicated and it is important that you find the right cover at the best price. Here we explain how to compare health insurance and shop around.

Save money on Medical Insurance by Shopping Around
It is essential that you buy the right medical insurance at the best price. You should shop around and choose the right policy based on your specific requirements. When you shop around you should make sure you are comparing like-with-like. A cheaper policy may not offer the same level of cover as a more expensive policy. For example, the number of hospitals you can choose from may be limited to a hundred or give you choice from more than 400 with some policies.

It’s also important that you understand what you are buying when you take out medical insurance. Some policies will only cover inpatient treatment, while more comprehensive policies will also cover outpatient appointments.

Compare Like-with-like and Choose the Right Level of Cover – When choosing health insurance you need to make sure you compare like-with-like. A cheaper policy may not offer the same level of cover as a more expensive policy.

Moratorium vs Medically Underwritten Health Insurance - There are two types of private medical insurance. With a fully medically underwritten policy the insurer will ask you for full details of your medical history and you will know what is covered from the outset. Moratorium policies are cheaper but you won’t know what is covered until you come to make a claim.

The Importance of Declaring Medical Conditions when you Buy Medical Insurance - As with any type of insurance you need to make sure you answer any questions truthfully when applying for cover. This is particularly important with medical questions as failure to answer questions truthful or disclose your medical history could mean that you aren’t covered when you come to make a claim.

Buy Medical Insurance with Advice - Choosing the right medical insurance policy is very complicated and you should get advice if possible. If you buy with advice the adviser has to make sure the policy is suitable. However if you buy medical insurance without advice then you need to make sure it is suitable. Whichever way you buy it you need to make sure that you understand what is and isn’t covered. You should also read the terms and conditions and also tell your family what you are doing.

How to Find the right Health Insurance
Health insurance is complicated and it's essential that you choose the right policy. We specialise in health insurance cover and will search the market and help you find the right cover at the best price available. Quotes for health insurance are free and you are under no obligation.

You could get a top quote from a leading UK provider...

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  • Vitality