--- title: Compare Private Health Insurance Providers | Morehealth description: Compare private health insurance providers with Morehealth. Explore the best health insurance providers UK options and compare health insurance providers with ease. --- - [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) # Compare health insurance providers [Contact Us](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLLg3kaLLooMHvFDAkO5urVT70R4TohgH30tnVOoHKul%2FSkf6x9lo0nvks69gDF4zpxaG29v8dZYaNfMtJ71hegJgACU0sTAiYFsZzQr6T0jHLkl7KiWJ0SpuU9Zdsbu7DSw7RTQiO24ZmbTGYjG06CRx6NvTsMOwcOwYzxMQ76jwgDIOL7r5DhRpPuRsGQJIg%3D%3D&portalId=147592284) ![11](https://www.more-health.co.uk/hs-fs/hubfs/Images/11.webp?width=1563&height=1094&name=11.webp) - ### FCA Regulated - ### Independent Broker - ### 15+ Years Experience - ### UK-Based Advisers - ### FCA Regulated - ### Independent Broker - ### 15+ Years Experience - ### UK-Based Advisers ![Morehealth Images (2)](https://www.more-health.co.uk/hs-fs/hubfs/Morehealth%20Images%20(2).png?width=500&height=600&name=Morehealth%20Images%20(2).png) ## Straightforward Advice on Health Insurance Providers Choosing between private health insurance providers can feel overwhelming. Policies often look similar at first glance, but the real differences lie in hospital access, benefit limits, and underwriting rules. A clear comparison helps you choose private medical insurance that suits your needs and your budget, without unexpected surprises later. At Morehealth, we compare leading UK private health insurance providers and explain the differences in a straightforward, friendly way. Whether you are arranging a new policy or reviewing cover at renewal, we help you understand exactly what you are choosing and why it fits your situation.  [Get A Quote](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLLA7ZSKHLIUA140vpEWV7e604y2ckmOzwpHSVPj%2BJvHMpYYlNdQnmSRX%2BXswDZYIwg9qUb5iRO4TnTNy9dE9Mn1nvhCWUoCVvKKSkc85N5DZMT0Xz1Lq2W9TDqk1k6Odk1%2B2mRZiHIDNrG0WP%2BTmoe7N6oZXhakQKEbsEvYT6bMGgeJa06jE8E%2B30IbaOqvF8s%3D&portalId=147592284) ## 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) ## What Changes Between Private Health Insurance Providers When comparing private medical insurance, price is often the first thing people notice. While premiums are important, true value also depends on what you receive for that premium and how easy the policy is to use when you need treatment. Key areas that vary between providers include: #### Hospital networks and the level of access in your area Hospital networks #### Outpatient consultation limits and diagnostic cover Outpatient consultation limits #### Cancer cover and benefit limits Cancer cover #### Excess options and how they affect claims Excess options #### Underwriting approach and how pre-existing conditions are treated Underwriting approach #### Customer support and claims authorisation processes Customer support and claims Each insurer also has its own clinical pathways and case management approach. We help you understand how these differences work in practice, not just in the policy wording. ## Hospital Lists and Access to Treatment Hospital access is one of the most important differences between private health insurance providers and their policy options. Some policies offer national hospital lists, while others focus on a core list that may exclude certain central London hospitals or specialist facilities. There are also ‘guided’ options where consultant choice is restricted to offer budget friendly premiums. We help you compare hospital networks based on: - Where you live - Where you would prefer to receive treatment - Which hospitals or facilities matter most to you - Your budget This ensures your choice is based on what is genuinely practical and useful. [Find Your Nearest Hospital](https://www.more-health.co.uk/find-a-hospital-near-me) ## Outpatient Cover and Diagnostics Outpatient benefits typically include: - Specialist consultations - Diagnostic tests such as MRI and CT scans - Follow-up appointments Insurers offer outpatient cover in different ways. For example: - A fixed monetary allowance for consultations and tests - A set number of outpatient appointments - Full outpatient cover available at a higher premium We explain how these options work so you can judge the real value of each policy, particularly if quick access to diagnosis is important to you.  ![why-choose-morehealth-to-compare-health-insurance-providers](https://www.more-health.co.uk/hs-fs/hubfs/Images/why-choose-morehealth-to-compare-health-insurance-providers.webp?width=415&height=600&name=why-choose-morehealth-to-compare-health-insurance-providers.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** ## Understanding Underwriting and Medical History Underwriting determines how your medical history is treated when you take out private health insurance. The most common underwriting methods include: #### Moratorium underwriting Recent medical conditions may be excluded initially. Cover may return later if you remain symptom-free and receive no treatment or medical advice for a set period.  #### Full medical underwriting Your medical history is reviewed upfront, and any exclusions are confirmed at the start of the policy. #### Continued personal medical exclusions (CPME) If you are switching providers at renewal, CPME may allow your existing medical history to remain covered where possible, while the new insurer continues the exclusions you already have. We explain these approaches clearly so you understand what is covered and what is not before making a decision. ## How We Compare Private Health Insurance in the UK Our process is designed to make comparing private medical insurance straightforward and transparent. Step 1 #### Understanding what matters to you We begin with a friendly conversation about your priorities, budget and preferences. We also discuss any medical history that may affect underwriting and the type of cover that feels right. Step 2 #### Building a shortlist of suitable providers We compare leading UK private health insurance providers and identify policies that match your needs. Our focus is on practical differences, not just headline benefits. Step 3 #### Explaining the detail in plain English We guide you through hospital access, outpatient limits, excess options and underwriting. You’ll understand the benefits clearly so you can choose with confidence. Step 4 #### Putting cover in place smoothly If you decide to proceed, we guide you through the application and insurer questions and confirm the final terms before your policy starts. If you are switching providers, we also help you ensure continuity of cover during the switch process. Step 5 #### Supporting you at renewal each year At renewal we review your cover and compare the market again, helping you maintain the right balance of protection and cost over time. ## Choosing the Right Health Insurance Provider The best private health insurance provider for you depends on your priorities. Some people prioritise broad hospital access, while others prefer:  #### Stronger Outpatient Cover #### A Specific Underwriting Approach #### Lower Premiums With A Higher Excess Our role is to help you choose private medical insurance that fits your priorities, rather than paying for features you may not need. ## Frequently Asked Questions   Is the cheapest health insurance provider always the best? Not always. While premiums matter, hospital access, benefit limits and underwriting can significantly affect how useful your policy is when you need treatment. Can you compare policies for families? Yes. We compare policies for individuals, couples and families and explain how underwriting and pricing works for each member. Do all private health insurance providers include cancer cover? Many policies include cancer cover, but the benefit limits and access to cancer drugs vary. We explain what is included and how it compares to other policies. Can you compare my renewal against the market? Yes. We regularly review renewal terms and compare suitable providers across the market, explaining your options clearly so you can make an informed decision. Which health insurance providers can you compare for me? We’re an independent, whole-of-market broker, so we can compare health insurance from the leading UK providers rather than being tied to a single insurer. This includes Bupa, AXA Health, Aviva, Vitality, The Exeter, WPA and National Friendly, and we also look at other insurers where they suit your circumstances. No single provider is the right fit for everyone. As an illustrative example, one insurer may be competitive for a couple in their 50s living outside London, while another may suit someone switching with an existing exclusion. Pricing and acceptance criteria change regularly, so we compare against your own details rather than general reputations. Comparing private health insurance providers yourself usually means answering the same questions for each insurer, then working out how their policies differ. We do that legwork and narrow the market to a shortlist that reflects your priorities, budget and medical history. Is there a fee to compare health insurance with Morehealth? No. There’s no fee to compare health insurance with us, and our advice is free. If you take out a policy, we’re paid commission by the insurer you choose, and this commission is not added to your premium. You’re welcome to ask how we’re paid at any stage, and there’s no obligation to proceed. Finding the right private medical insurance isn’t just about the lowest premium. At Morehealth, we help you compare insurance options and understand the differences in price, hospital networks, excesses and levels of cover. Our aim is to help you find a policy that suits your needs and budget, without compromising on the benefits that matter most to you. The cheapest policy isn’t necessarily the most suitable, and savings are not guaranteed. If you already have cover, our[free health insurance check](https://www.more-health.co.uk/free-financial-health-check) reviews your renewal terms and current benefits to check your cover still offers the right balance of protection and cost. How do I compare private health insurance policies like for like? Start by deciding what matters most to you, such as who needs cover, which hospitals you’d want to use and your budget, then compare each policy on the same terms. Price only makes sense once the underwriting, hospital list, outpatient limit, excess and optional extras have been lined up side by side. Policies are usually built from core cover, which typically includes in-patient and day-patient treatment, plus optional extras that add to or reduce your cover. Alongside the areas explained above, these details often catch people out when they compare health insurance: - Whether Cancer Cover Is Full Or Limited, Including Access To Drugs Not Routinely Available On The NHS - Whether A Lower Outpatient Limit Also Restricts Diagnostic Tests And Scans - Options Such As The Six-Week Option Or A Guided Consultant List, Which Lower Premiums In Exchange For Less Choice - How Your Claims History Affects Future Premiums, Through A No Claims Discount Or A Community-Rated Approach - Add-Ons Such As Mental Health, Therapies And Travel Cover, And Whether You Genuinely Need Them For example, 2 policies with similar prices might differ on cancer drug cover or hospital access. Read more about[health insurance product options](https://www.more-health.co.uk/health-insurance-product-options) in our guide, or ask us to set out the comparison for you. What information do I need to get health insurance quotes? To start a quote, we usually need the name, date of birth and postcode of each person to be covered, as age and location are key factors in how insurers set prices. We’ll also ask about your priorities, preferred hospitals, budget and any existing policy, plus your medical history where the chosen underwriting requires it. If you already have private medical insurance, it helps to have your renewal letter or policy documents to hand. These show your current insurer, renewal date, excess, hospital list and any exclusions, which we need for a like-for-like comparison. This is why we don’t show instant online prices: an estimate that ignores these details can be misleading. Health information is sensitive, so we handle it in line with UK data protection law, and we’re registered with the Information Commissioner’s Office (ICO). When you’re ready, you can[request a health insurance quote](https://www.more-health.co.uk/get-a-quote) online, call us or message us on WhatsApp. Can I compare health insurance if I have a pre-existing or chronic condition? Yes, you can still compare health insurance, but a pre-existing condition affects what’s covered. Private medical insurance is designed for acute conditions that respond to treatment. Generally, chronic conditions are not covered. Some policies may cover the initial diagnosis and treatment of a flare-up, but ongoing management is not covered. How past conditions are treated depends on your underwriting. If you’re taking out cover for the first time, moratorium underwriting is the most common option. With a moratorium, anything you’ve had symptoms, treatment or advice for in the 5 years before your policy starts is not covered for the first 2 years. After that, a condition can only become eligible for cover if you’ve been free of symptoms, treatment and advice for it for 2 continuous years. With full medical underwriting, you declare your history upfront and the insurer confirms any exclusions at the start, so there’s less uncertainty about what you can claim for. If you already have a policy, switching on continued terms may allow conditions your current insurer covers to remain covered, subject to acceptance. We can’t guarantee how an insurer will assess a condition, but we can explain how each option is likely to apply. Our guide to[how chronic conditions are treated](https://www.more-health.co.uk/chronic-conditions-explained) has more detail. Will I lose cover if I switch health insurance providers? Not necessarily. Many people switch using continued personal medical exclusions (CPME), which may carry your current underwriting across to the new insurer, so existing exclusions stay the same and previously covered conditions remain covered. Acceptance depends on each insurer’s criteria, so we check your eligibility before you cancel anything. Insurers set their own switching rules, but they typically look for no consultations in the last 12 months, no ongoing symptoms or treatment and nothing planned. If your current policy is on moratorium terms, a continued moratorium may let you keep your original start date rather than restarting the 2-year wait. Recent claims can affect the price a new insurer offers, so switching isn’t always the better-value route. Sometimes adjusting your excess, outpatient cover or hospital list with your current insurer makes more sense. Where possible, we’ll also try to negotiate a discount off your renewal premium, although this isn’t guaranteed. If you do switch, we time the new policy to start when your existing one ends, so there’s no gap in cover. Find out more on our[review or switch your policy](https://www.more-health.co.uk/review-or-switch-existing-policy) page. When is the best time to compare health insurance? If you’re new to private medical insurance, you can compare health insurance at any time. If you already have a policy, start a few weeks before your renewal date. This gives time to compare providers properly and complete any switching questions, although we can usually still review your options up to 14 days after renewal. That window exists because new policies and renewals usually come with a 14-day cooling-off period. Your insurer’s documents will confirm the exact terms that apply to you. A change in circumstances, such as retiring, leaving an employer’s scheme or adding a partner, is also a good reason to compare private health insurance outside your usual renewal cycle. If you’re leaving a company scheme, speak to us before your cover ends, as your underwriting options may depend on the timing. Can you compare health insurance for my family or business? Yes. We compare health insurance for individuals, couples and families, as well as business policies for small and medium-sized companies. For families, we explain how pricing and underwriting work for each person. For businesses, we compare schemes that can start with as few as 1 or 2 members, depending on the insurer. Family policies can usually include children, although age limits vary. Underwriting applies to each person individually, so exclusions relate to that person’s own medical history. Business options include a single level of cover for everyone, tiered cover for different groups or director-only policies. Larger schemes, usually around 20 insured employees or more depending on the insurer, may qualify for medical history disregarded underwriting, which covers pre-existing conditions without health questionnaires. If you’re self-employed or run a small company, we can discuss whether an individual or business policy suits you better. Employees normally pay benefit-in-kind tax on employer-funded cover, so your accountant can confirm how it applies to you. Find out more about our[business health insurance](https://www.more-health.co.uk/business-health-insurance) service. How is Morehealth regulated, and what if I need to complain? Morehealth Limited is authorised and regulated by the Financial Conduct Authority (FCA), firm reference number 815733, so our advice must meet the FCA’s standards. You can check our details on the[FCA register](https://register.fca.org.uk/s/). If something goes wrong, you can complain to us first, then refer it to the Financial Ombudsman Service if needed. We’re expected to treat customers fairly and explain a policy’s limitations as well as its benefits. We’re also a member of AMII, the Association of Medical Insurers and Intermediaries, a UK trade body for health insurance intermediaries and insurers. If you’re unhappy with our service, tell us and we’ll aim to put things right. A regulated firm normally has up to 8 weeks to send a final response. If you’re not satisfied, or haven’t heard back in time, you can usually refer your complaint to the[Financial Ombudsman Service](https://www.financial-ombudsman.org.uk/) within 6 months of the final response. The service is free to use. You can learn more[about Morehealth](https://www.more-health.co.uk/about) and how we work. #### [![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" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Not always. 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