Contact Us Request A Quote
Contact Us Request A Quote
Contact Us Request A Quote

About Morehealth

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  • FCA Regulated

  • Independent Broker

  • 15+ Years Experience

  • UK-Based Advisers
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Helping You Compare Private Health Insurance

Morehealth provides independent advice on private health insurance for individuals and businesses across the UK. We help you compare private medical insurance clearly, understand your options, and choose cover that genuinely suits your needs.

Private health insurance can feel complicated at first. Providers use different terminology, benefits vary between policies, and underwriting rules are not always easy to follow. Our role is to make the process simple.

We explain everything clearly, so you feel confident about what you are choosing and why it fits your circumstances.

Independent Private Health Insurance Advice

At Morehealth, we compare a wide range of UK private health insurance providers, rather than working with a single insurer. This means our advice starts with your needs.

We focus on what matters most to you and then narrow the market down to the policies that make sense.

When comparing private medical insurance, we look closely at factors such as: 

Hospital networks and treatment access

Hospital networks and treatment access

Policy benefit limits

Policy benefit limits

Outpatient consultation allowances

Outpatient consultation allowances

Underwriting terms and exclusions

Underwriting terms and exclusions

Overall value and long-term suitability

Overall value and long-term suitability

We also consider the practical details that affect everyday use of your policy, including:

How GP referrals work

How claims authorisation is handled

What support is available when you need treatment

Who We Help

We arrange and review private health insurance policies for people at many different stages.

Our clients include:

  • Individuals and families arranging private health insurance for the first time
  • Existing policyholders reviewing their cover at renewal
  • Self-employed professionals who want faster access to diagnosis and treatment
  • Retirees maintaining private medical insurance after leaving employment
  • Small and medium-sized businesses arranging business health insurance

Whether you are setting up a new policy or reviewing an existing one, our goal is the same: to help you understand your cover and make a confident decision.

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How Our Process Works

Our process is designed to make arranging private health insurance simple and transparent.

Step 1

A friendly first conversation

We start with a discussion about what you want from private health insurance, your budget, and any preferences you have regarding hospitals or policy features. We also explain what information insurers may request.

Step 2

Clear comparison of suitable options

We compare the market and shortlist the providers and policy levels that match your needs. We then explain the differences clearly, so you are not left trying to interpret policy wording alone.

Step 3

A recommendation you can feel confident about

We present our recommendation and explain why it fits your situation. Where appropriate, we will also show alternatives so you can make the final decision with confidence.

Step 4

Application and underwriting support

If you choose to proceed, we guide you through the application and underwriting process. We help you understand how pre-existing conditions are treated and what your policy will cover from the start.

Step 5

Ongoing support at renewal

Our support continues beyond the initial setup. Each year we review your policy at renewal and explain your options clearly so your cover remains appropriate and good value. 

We Compare Leading UK Providers

 We work with all major health insurance providers to find your perfect match 

Stop paying too much for health insurance

Check If You Could Save

Already have health insurance? We’ll review your current policy and help you understand whether it’s still right for you.

Request a Free Health Insurance Check

Reviewing and Switching Health Insurance

If you already have private health insurance, we can review your policy to check it still provides the right balance of cover and cost.

During a review we look at:

  • Your renewal premium
  • Policy benefits and outpatient limits
  • Hospital access
  • Underwriting terms and exclusions

If switching to another insurer could improve value or cover, we explain how the process works while protecting your medical history where possible. This may involve using continued personal medical exclusions (CPME).

If staying with your current insurer remains the best option, we will confirm that and, where possible, negotiate a discount off your renewal premium.

Regulation and Transparency

Morehealth is authorised and regulated by the Financial Conduct Authority (FCA).

We receive a standard commission from the insurer you choose. This commission is not added to your premium.

Frequently Asked Questions

 

Are you independent?

Yes. We compare a wide range of UK private health insurance providers and are not tied to a single insurer.

Do you charge fees for arranging private health insurance?

In most cases, we are paid commission by the insurer you choose. This is not added to your premium.

Will you review my health insurance each year?

Yes. Annual renewal reviews are an important part of our service.

Can you review a policy arranged elsewhere?

Yes. We regularly review existing private medical insurance policies, even if they were not arranged by ourselves.

Do you advise both individuals and businesses?

Yes. We arrange and review individual and business health insurance policies across the UK.

Morehealth Limited is authorised and regulated by the Financial Conduct Authority: 815733 and registered in England and Wales: 07613132