--- title: Independent Health Insurance Broker UK description: Morehealth is an independent, FCA regulated health insurance broker. Free advice comparing leading UK insurers for individuals, families and businesses. --- - [0800 028 5540](tel:08000285540) - [info@more-health.co.uk](mailto:info@more-health.co.uk) [![logo-morehealth-1](https://www.more-health.co.uk/hs-fs/hubfs/Images/logo-morehealth-1.webp?width=222&height=70&name=logo-morehealth-1.webp "logo-morehealth-1")](https://www.more-health.co.uk/) [![logo-morehealth-1](https://www.more-health.co.uk/hs-fs/hubfs/Images/logo-morehealth-1.webp?width=159&height=50&name=logo-morehealth-1.webp "logo-morehealth-1")](https://www.more-health.co.uk/) - [Home](https://www.more-health.co.uk) - Health Insurance - [Individual Health Insurance](https://www.more-health.co.uk/individual-health-insurance) - [New Policy](https://www.more-health.co.uk/new-private-health-insurance) - [Review or Switch Policy](https://www.more-health.co.uk/review-or-switch-existing-policy) - [Business Health Insurance](https://www.more-health.co.uk/business-health-insurance) - [Health Insurance Providers](https://www.more-health.co.uk/health-insurance-providers) - [About Us](https://www.more-health.co.uk/about) - Advice - [NHS Waiting Times](https://www.more-health.co.uk/nhs-waiting-times) - [Health Insurance Options](https://www.more-health.co.uk/health-insurance-product-options) - [Cancer Cover](https://www.more-health.co.uk/cancer-cover-compared) - [Underwriting](https://www.more-health.co.uk/health-insurance-underwriting) - [Chronic Conditions](https://www.more-health.co.uk/chronic-conditions-explained) - [Health Insurance Costs](https://www.more-health.co.uk/how-much-does-private-medical-insurance-cost) - Resources - [Find Private Hospitals](https://www.more-health.co.uk/find-a-hospital-near-me) - [Health Insurance Guides](https://www.more-health.co.uk/health-insurance-guides) - [Health Insurance FAQ's](https://www.more-health.co.uk/health-insurance-faqs) - [Blog](https://www.more-health.co.uk/blog) - [Glossary](https://www.more-health.co.uk/glossary) [Contact Us](https://www.more-health.co.uk/contact-us) [Request A Quote](https://www.more-health.co.uk/get-a-quote) [Contact Us](https://www.more-health.co.uk/contact-us) [Request A Quote](https://www.more-health.co.uk/get-a-quote) More results - [Home](https://www.more-health.co.uk) - Health Insurance - [Individual Health Insurance](https://www.more-health.co.uk/individual-health-insurance) - [New Policy](https://www.more-health.co.uk/new-private-health-insurance) - [Review or Switch Policy](https://www.more-health.co.uk/review-or-switch-existing-policy) - [Business Health Insurance](https://www.more-health.co.uk/business-health-insurance) - [Health Insurance Providers](https://www.more-health.co.uk/health-insurance-providers) - [About Us](https://www.more-health.co.uk/about) - Advice - [NHS Waiting Times](https://www.more-health.co.uk/nhs-waiting-times) - [Health Insurance Options](https://www.more-health.co.uk/health-insurance-product-options) - [Cancer Cover](https://www.more-health.co.uk/cancer-cover-compared) - [Underwriting](https://www.more-health.co.uk/health-insurance-underwriting) - [Chronic Conditions](https://www.more-health.co.uk/chronic-conditions-explained) - [Health Insurance Costs](https://www.more-health.co.uk/how-much-does-private-medical-insurance-cost) - Resources - [Find Private Hospitals](https://www.more-health.co.uk/find-a-hospital-near-me) - [Health Insurance Guides](https://www.more-health.co.uk/health-insurance-guides) - [Health Insurance FAQ's](https://www.more-health.co.uk/health-insurance-faqs) - [Blog](https://www.more-health.co.uk/blog) - [Glossary](https://www.more-health.co.uk/glossary) - [0800 028 5540](tel:08000285540) - [info@more-health.co.uk](mailto:info@more-health.co.uk) [Contact Us](https://www.more-health.co.uk/contact-us)[Request A Quote](https://www.more-health.co.uk/get-a-quote) # **Your independent health insurance broker** Choosing private medical insurance on your own means comparing policy wording, hospital lists, outpatient limits and underwriting rules across several insurers. As an independent health insurance broker, Morehealth does that work for you and explains what you find in plain English. We are authorised and regulated by the Financial Conduct Authority (FCA number 815733) and compare policies across the market, rather than working for a single insurer. Our advice is free to you. We are paid a standard commission by the insurer you choose, and this is not added to your premium. [Request a quote](https://www.more-health.co.uk/get-a-quote) ![No File Name Can Be Generated TextBased Prompt Provided](https://www.more-health.co.uk/hs-fs/hubfs/AI-Generated%20Media/Images/No%20File%20Name%20Can%20Be%20Generated%20TextBased%20Prompt%20Provided.png?width=1792&height=878&name=No%20File%20Name%20Can%20Be%20Generated%20TextBased%20Prompt%20Provided.png) - ### FCA Regulated - ### Independent Broker - ### 15+ Years Experience - ### UK-Based Advisers - ### FCA Regulated - ### Independent Broker - ### 15+ Years Experience - ### UK-Based Advisers ![Comparison Chart Of Uk Health Insurance Providers](https://www.more-health.co.uk/hs-fs/hubfs/AI-Generated%20Media/Images/Comparison%20Chart%20Of%20Uk%20Health%20Insurance%20Providers.png?width=1536&height=1024&name=Comparison%20Chart%20Of%20Uk%20Health%20Insurance%20Providers.png) ## **What we do for you** Policies often look similar at first glance, but the real differences sit in the detail. We compare[leading UK health insurance providers](https://www.more-health.co.uk/health-insurance-providers), including Bupa, AXA, Aviva, Vitality, WPA, The Exeter and National Friendly, and help you understand what matters for your situation. Our service includes: - Comparing Policies From Leading UK Insurers - Explaining Cover, Exclusions And Small Print Clearly - Guiding You Through Underwriting And Applications - Reviewing Your Cover Every Year At Renewal - Supporting You When You Renew, Switch Or Claim ## Who we help We arrange and review private health insurance for people at many different stages. Our clients include individuals and families arranging cover for the first time, self-employed professionals, retirees maintaining cover after leaving employment, and existing policyholders reviewing their renewal. If you are looking for cover for yourself, a partner or your children, start with our guide to[individual health insurance](https://www.more-health.co.uk/individual-health-insurance). We also advise small and medium-sized businesses, from director only cover to schemes for a growing team. ## How it works We start with a friendly conversation about your situation, your budget and any preferences you have about hospitals or benefits. We also explain what information insurers may ask for. We then compare suitable insurers and present a clear recommendation, explaining why it fits your needs. Where alternatives are worth considering, we show you those too, so the final decision is yours. If you go ahead, we guide you through the application and underwriting, and our support continues at renewal and when you claim. Companies can find out more about how we arrange[business health insurance](https://www.more-health.co.uk/business-health-insurance) for employees and directors.   ## Open about how we are paid We believe you should know exactly how your broker is paid. We do not charge a fee for our advice. If you take out a policy, the insurer pays us a standard commission, and this is not added to your premium. There is no obligation to proceed, and if staying with your current insurer is the best option, we will tell you. ## **Why choose Morehealth** - FCA Regulated (FCA Number 815733) - Independent Broker Comparing Leading UK Insurers - More Than 15 Years Of Experience - UK Based Advisers - Member Of The Association Of Medical Insurance Intermediaries (AMII) - Help With Complex Medical Histories Speak to a friendly adviser on 0800 028 5540, message us on WhatsApp or[contact us](https://www.more-health.co.uk/contact-us) online. There is no pressure to proceed. ## We Compare Leading UK Providers  We work with all major health insurance providers to find your perfect match  ![10 (1)](https://www.more-health.co.uk/hs-fs/hubfs/10%20(1).webp?width=120&height=75&name=10%20(1).webp) ![Vitality](https://www.more-health.co.uk/hs-fs/hubfs/9%20(1).webp?width=120&height=75&name=9%20(1).webp) ![Aviva](https://www.more-health.co.uk/hs-fs/hubfs/8%20(1).webp?width=120&height=75&name=8%20(1).webp) ![The Exeter](https://www.more-health.co.uk/hs-fs/hubfs/13.webp?width=120&height=75&name=13.webp) ![WPA](https://www.more-health.co.uk/hs-fs/hubfs/12%20(1).webp?width=120&height=75&name=12%20(1).webp) ![National Friendly](https://www.more-health.co.uk/hs-fs/hubfs/14.webp?width=120&height=75&name=14.webp) ![AXA](https://www.more-health.co.uk/hs-fs/hubfs/11%20(1).webp?width=120&height=75&name=11%20(1).webp) 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** ## Frequently Asked Questions   What does a health insurance broker do? A health insurance broker compares private medical insurance from different insurers, explains how the policies differ and recommends cover that suits your needs and budget. A good broker also guides you through underwriting and the application, then reviews your policy each year so it stays suitable and good value. At Morehealth, that means explaining cover, exclusions and small print clearly, helping you choose the right level of cover and supporting you when you renew, switch or make a claim. The differences between insurers are often in the detail. Hospital networks, outpatient limits, cancer cover, excess options, underwriting rules and how claims are authorised can all vary, even when 2 policies look similar at first glance. Our job is to explain how those differences would work for you in practice, not just in the policy wording. You can find answers to more general questions in our[health insurance FAQs](https://www.more-health.co.uk/health-insurance-faqs). Is Morehealth an independent health insurance broker? Yes. Morehealth is an independent health insurance broker. We compare a wide range of UK private health insurance providers and are not tied to a single insurer, so our advice starts with your needs rather than an individual company's products. We are authorised and regulated by the Financial Conduct Authority. The insurers we compare include Bupa, AXA, Aviva, Vitality, WPA, The Exeter and National Friendly. We focus on what matters most to you and then narrow the market down to the policies that make sense. Morehealth Limited is registered in England and Wales under company number 07613132, is a member of the Association of Medical Insurance Intermediaries (AMII) and is registered with the Information Commissioner's Office. You can read more[about Morehealth](https://www.more-health.co.uk/about) and how we work. How is a health insurance broker paid? Our advice is free to you. Like most health insurance brokers, we are paid a standard commission by the insurer you choose if you take out a policy. This commission is not added to your premium, so using Morehealth does not affect the price you pay for the same cover. There is no fee for our advice and no obligation to proceed. If you decide not to take out a policy, you pay nothing. Because our income does not depend on any single insurer, we can recommend the policy that fits you best. If staying with your current insurer is the right choice at renewal, we will say so and, where possible, try to negotiate a discount on your renewal premium. If you have any questions about how we are paid, you are always welcome to ask us directly. What are the downsides of using a health insurance broker? The main drawbacks are that you will not see an instant price online, and you need to share some details before receiving quotes. You are also relying on the broker's advice, so it is worth checking they are FCA regulated, independent and clear about how they are paid. We do not show instant prices because premiums depend on your age, location, medical history and the type of cover you choose. Insurers need this information to price accurately, and a short conversation helps us avoid giving you a misleading estimate. Not every broker compares the same insurers, so it is reasonable to ask which providers a broker works with before you start. Some people simply prefer to buy direct, and that is fine. We are always happy to explain your options with no pressure to proceed. Is it better to use a health insurance broker or go direct to an insurer? Going direct means you only see that insurer's policies. A broker compares several insurers and explains the differences, which can help you find more suitable cover or better value. With Morehealth, our commission is not added to your premium, so you get independent advice without paying more for the same policy. Comparison websites can show you prices quickly, but they cannot always explain how underwriting, hospital lists or outpatient limits will affect you. We focus on meaningful differences rather than headline benefits, and we stay with you after the policy starts. The cost of cover depends on factors such as your age, where you live, your hospital list, excess and level of outpatient cover. Our guide to[how much private medical insurance costs](https://www.more-health.co.uk/how-much-does-private-medical-insurance-cost) explains these in more detail. Can a health insurance broker review my existing policy? Yes. We regularly review existing private medical insurance policies, including those we did not originally arrange. We compare your renewal with the wider market and explain whether staying, adjusting your cover or switching insurer makes most sense, while protecting your medical history where possible. When switching, continued personal medical exclusions can carry your current underwriting across to a new insurer, and a continued moratorium can keep your original start date. Each insurer has its own criteria for accepting a switch. It is best to start a few weeks before your renewal date, although reviews can still be done up to 14 days after it. If staying is the best option, we can help you adjust your excess, outpatient cover or hospital list instead. Find out how we[review or switch an existing policy](https://www.more-health.co.uk/review-or-switch-existing-policy). Can a health insurance broker help if I have a medical history? Yes, and this is where a broker can make a real difference. Each insurer applies its own underwriting rules, and the same condition can be treated differently from one provider to the next. We explain how your history is likely to be treated before you apply, so you know what will be covered. On a moratorium policy, anything you have had symptoms, advice, diagnostic tests or treatment for in the 5 years before cover starts is not covered for the first 2 years. It may then be covered once you have been free of symptoms, advice and treatment for 2 consecutive years. With full medical underwriting, your history is reviewed upfront and any exclusions are confirmed at the start. When switching, some insurers do not require you to disclose certain stable conditions, subject to their criteria. Our guide to[health insurance underwriting](https://www.more-health.co.uk/health-insurance-underwriting) explains each option. Will Morehealth help me if I need to make a claim? Yes. Our support continues after your policy starts, including when you need to use it. Claims are authorised by your insurer, but we can explain how the process works, what to expect at each stage and help you feel comfortable using your cover when you need treatment. In most cases, the process starts with a GP referral. You then contact your insurer for authorisation and arrange a consultation, tests or treatment based on your policy terms. It is important to get authorisation before treatment begins, so the costs are covered. Emergency care is provided by the NHS rather than private policies. If you want to see which private hospitals are close to you before you choose a hospital list, use our[hospital finder](https://www.more-health.co.uk/find-a-hospital-near-me). How can I check a health insurance broker is regulated? You can search the Financial Conduct Authority's Financial Services Register by firm name or reference number to confirm a broker is authorised to arrange insurance. Morehealth Limited is authorised and regulated by the FCA under firm reference number 815733, and is registered in England and Wales under company number 07613132. The register is free to search on the[FCA website](https://register.fca.org.uk/). FCA regulated firms must give information that is clear, fair and not misleading. If you are ever unhappy with a regulated firm and your complaint is not resolved, you may be able to refer it to the Financial Ombudsman Service. It is also worth asking any broker which insurers they compare and how they are paid before you go ahead. You can call us on 0800 028 5540 or message us on WhatsApp. Our advisers are available Monday to Thursday, 9am to 6:30pm, and Friday, 9am to 5pm. #### [![logo-morehealth-1](https://www.more-health.co.uk/hs-fs/hubfs/logo-morehealth-1.png?width=444&height=140&name=logo-morehealth-1.png)](https://www.more-health.co.uk/) Independent health insurance advisers helping you find the right cover with expert guidance. [Join us on Slack](tel:08000285540)[Browse our GitHub projects](https://wa.me/447833883247)[Browse our GitHub projects](mailto:info@more-health.co.uk) Quick Links - [About Us](https://www.more-health.co.uk/about) - [NHS Waiting Times](https://www.more-health.co.uk/nhs-waiting-times) - Hospital Finder - [Contact Us](https://www.more-health.co.uk/contact-us) Health Insurance - [Health Insurance Providers](https://www.more-health.co.uk/health-insurance-providers) - [Individual Health Insurance](https://www.more-health.co.uk/individual-health-insurance) - [Business Health Insurance](https://www.more-health.co.uk/business-health-insurance) Resources - [Guides](https://www.more-health.co.uk/health-insurance-guides) - [FAQs](https://www.more-health.co.uk/health-insurance-faqs) - [Blog](https://www.more-health.co.uk/blog) - [Glossary](https://www.more-health.co.uk/glossary) Copyright © 2026 Morehealth Limited - [Terms](https://www.more-health.co.uk/website-tcs) - [Privacy](https://www.more-health.co.uk/privacy-policy) - [Cookies](https://www.more-health.co.uk/cookie-policy) Morehealth Limited is authorised and regulated by the Financial Conduct Authority: 815733 and registered in England and Wales: 07613132 ```json { "@context" : "https://schema.org", "@type" : "LocalBusiness", "address" : { "@type" : "PostalAddress", "addressCountry" : "UK", "addressLocality" : "Rugby", "addressRegion" : "Warwickshire", "postalCode" : "CV23 0UY", "streetAddress" : "4 Mitchell Court" }, "alternateName" : "Morehealth Limited", "contactPoint" : { "@type" : "ContactPoint", "areaServed" : "GB", "availableLanguage" : "en", "contactType" : "customer service", "telephone" : "0800 028 5540" }, "geo" : { "@type" : "GeoCoordinates", "latitude" : 52.404033, "longitude" : -1.245169 }, "image" : "https://www.more-health.co.uk/hs-fs/hubfs/Images/Morehealth.webp", "logo" : "https://www.more-health.co.uk/hs-fs/hubfs/Images/logo-morehealth-1.webp", "name" : "Morehealth Limited", "openingHours" : [ "Mo-Th 09:00-18:30", "Fr 09:00-17:00", "Sa Closed", "Su Closed" ], "priceRange" : "£", "sameAs" : [ "https://uk.linkedin.com/company/morehealth-limited" ], "telephone" : "0800 028 5540", "url" : "https://www.more-health.co.uk/" } ``` ```json { "@context" : "https://schema.org", "@type" : "WebPage", "description" : "Morehealth is an independent, FCA regulated health insurance broker. 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