Personal Health Insurance Comparisons
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Why Choose Healthplan for Personal Health Insurance Comparisons?
Healthplan stands out as a trusted broker of personal health insurance:
- Independent comparisons: We work with a wide range of top UK health insurance providers, helping you compare private medical insurance plans that best suit your needs and budget.
- Expert advice: Our team helps you navigate the complexities of health insurance to find the perfect plan for your needs.
- Proven reliability: With positive client reviews and a reputation for exceptional service, you can count on us to assist with your health insurance journey.
Personal health insurance is an investment in your well-being, offering faster access to care, more choice, and peace of mind. Whether you’re self-employed, managing a family, or simply want more control over your healthcare, we’re here to help you explore and compare the right options.
At Healthplan, we don’t sell insurance — we help you find the best one for you. From cover for individuals to plans for couples, families, and those with specific needs, we compare a range of personal health insurance options so you can choose with confidence.
Here are the different types of personal insurance we can help you find:
- Over 70s Health Insurance
- Health Insurance for Pre-Existing Conditions
- Children’s Health Insurance
- Comprehensive Health Insurance
- International Health Insurance
- Couples’ Health Insurance
- Over 50s Health Insurance
- Over 60s Health Insurance
- Family Health Insurance
Contact us for a tailored quote and take the first step towards securing your healthcare future.
I was looking for PMI for myself as the company I work for doesn’t provide it, and I was searching around online. Normally, I’d go through comparison sites and sort it myself, but I wanted to find out more as I know health insurance can be a bit fiddly sometimes.
I came across Jo through a Google search, and I’m honestly so glad I did. She was upfront, gave great advice, and from our first conversation in mid-April till now, she’s been amazing. I’ve spoken to many brokers and PMI providers before, and it always felt like they were just trying to sign me up — a bit pushy. But with Jo, she broke everything down, made it easy to understand, and genuinely advised me on what would work best for me.
She’s been absolutely awesome to speak to — down to earth, professional, and clearly knows her stuff. I’m really glad I decided to go with her. I’ll definitely be recommending Jo to my family and friends — she’s been super helpful and just great to deal with.
What is Personal Health Insurance?
Personal health insurance provides individuals, families, and self-employed professionals with access to high-quality private healthcare. By offering faster treatment options, tailored cover, and peace of mind in managing health expenses, personal health insurance ensures that you’re prepared for the unexpected.
Whether you’re looking to bypass long NHS waiting times or gain access to specialist care, having the right insurance plan empowers you to prioritise your health on your terms.
What Are the Benefits of Personal Health Insurance?
Private health insurance offers a range of valuable benefits that make it an essential choice for many individuals:
- Access to private healthcare facilities: Enjoy faster access to treatments at private hospitals and clinics.
- Reduced waiting times for treatments: Avoid lengthy NHS queues and receive care when you need it.
- Tailored cover to suit individual needs: Choose a plan that matches your specific health requirements.
- Peace of mind for unexpected health issues: Rest assured knowing you’re covered for unforeseen medical emergencies.
FAQs
What Does Personal Health Insurance Cover?
The more basic medical care policies pick up the costs of most in-patient treatments, such as tests and surgery, and higher-tier policies extend to out-patient treatments, such as specialists and consultants – and might pay you a small fixed amount for each night you spend in an NHS hospital. If you’re not sure which one is worth checking, we compare policies from all over the health insurance market at Healthplan.
Here is what most health insurance policies include:
- Medical treatment for acute physical conditions.
- Cancer treatment
- Psychiatric treatment
- Dental treatment on an in-patient basis.
- Private consultations
- Hospital stays
- Physiotherapy
- Diagnostic services like scans, tests, and X-rays
- Pharmacy
- Prostheses
- Home nursing
Here is what the cover doesn’t usually include:
- Long-term or chronic conditions (diabetes, Alzheimer’s disease, arthritis, heart disease, high blood pressure, high cholesterol, osteoporosis)
- Pre-existing medical conditions (allergies, sleep apnoea, epilepsy, lupus)
- Organ transplants
- Cosmetic surgery
- Pregnancy and childbirth
- Certain injuries (e.g., from dangerous sports, war-like hostilities)
How to Choose the Best Plan for You?
Finding the right personal health insurance plan is essential for your peace of mind. Consider the following:
- Budget and cover needs: Choose a plan that balances affordability with comprehensive cover.
- Provider and policy comparisons: Compare offerings from trusted insurers to find the best value.
- Understand terms and exclusions: Ensure you’re aware of what’s included and excluded in your chosen plan to avoid surprises later.
Who Needs Personal Health Insurance?
Personal health insurance is an ideal solution for anyone seeking control over their healthcare, particularly:
- Self-employed professionals: Those without employer-provided health cover can benefit from customised plans to safeguard their well-being.
- Individuals seeking more control: Take charge of your healthcare by choosing where and when you receive treatment.
- Those looking for faster access: With private insurance, long waiting times become a thing of the past, enabling you to prioritise your health when it matters most.
Can I Use the NHS if I Have Private Health Insurance?
Yes, having personal health insurance does not prevent you from using the NHS. In fact, many people use their insurance to complement NHS services, accessing faster treatment or specialist care privately while still relying on the NHS for emergencies and routine care.
Can I Switch My Health Insurance Provider?
Yes, you can switch health insurance providers at any time — and it might even save you money or offer better cover. However, it’s important to review the terms of your current policy and compare them carefully with new options. Some providers may not cover pre-existing conditions or may impose new waiting periods when you switch. At Healthplan, we can help you make a smooth transition by comparing your current policy with better alternatives and guiding you through the switching process.
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HealthPlan is a trading style of Sante Partners Ltd which is authorised and regulated by the Financial Conduct Authority, Financial Services Register number 914023. Sante Partners Ltd is registered in England and Wales number 12077145. Registered Office address; Affpuddle Manor, Affpuddle, Dorset, DT2 7HH. Copyright © 2025 Sante Partners Ltd.