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Individual Private Health Insurance

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  • FCA Regulated

  • Independent Broker

  • 15+ Years Experience

  • UK-Based Advisers

Access Treatment Sooner with Private Health Insurance

Individual private health insurance gives you faster access to diagnosis and treatment when you need it. Many people choose it for the reassurance of knowing they can move more quickly from GP referral to consultation, scans and treatment.

At Morehealth, we help you understand private medical insurance in a clear and practical way. We compare leading UK health insurance providers, explain how cover works and help you choose a policy that fits both your priorities and your budget.

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What Individual Private Health Insurance Covers

Most UK private health insurance policies are designed to cover acute medical conditions. These are conditions that begin after your policy starts and are expected to improve with treatment.

Individual private health insurance typically covers:

Specialist consultations
Specialist consultations
Diagnostic tests such as MRI, CT and ultrasound scans
Diagnostic tests such as MRI, CT and ultrasound scans
In-patient and day-patient treatment
In-patient and day-patient treatment
Access to private hospitals within an agreed hospital network
Access to private hospitals within an agreed hospital network
Cancer treatment within private facilities (as defined in the policy)
Cancer treatment within private facilities (as defined in the policy)

Private health insurance works alongside the NHS. You remain fully entitled to NHS services, including emergency care and support for chronic conditions. Private cover provides an additional route for eligible consultations, diagnostics and treatment.

What Affects the Cost of Private Health Insurance?

The cost of individual private health insurance varies depending on several factors, including:

  • Your age
  • Where you live
  • The hospital list you choose
  • Level of outpatient cover
  • The excess on the policy
  • The underwriting method
  • Whether the policy covers one person, a couple, or a family

We help you balance the level of cover with the cost, so you can choose a policy that remains affordable and sustainable over time.

individual private health insurance

Hospital Access and Choosing a Hospital List

Hospital access is one of the most important factors when choosing private health insurance.

Some insurers offer broad national hospital lists, while others operate core lists that may exclude certain hospitals, particularly in central London. There are also ‘guided’ options where consultant choice is restricted to offer budget friendly premiums.

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We help you select a hospital list 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 policy remains practical and you are not paying for access you are unlikely to use.

We Compare Leading UK Providers

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

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Outpatient Cover and Everyday Use

Outpatient cover usually includes:

Specialist consultations
Diagnostic tests such as MRI and CT scan
 Follow-up appointments

Outpatient cover varies by insurer and policy, for exmple: 

Some include full outpatient cover

Others provide a set monetary allowance each year

Some limit the number of consultations available

If quick diagnosis is important to you, we highlight how each policy handles outpatient care and explain any limits that apply.

Medical History and Underwriting

When you apply for private medical insurance, insurers review your medical history through a process called underwriting. This determines how pre-existing conditions are treated.

The most common underwriting methods include:

Moratorium underwriting

Recent medical conditions may be excluded initially. Cover may return after a set period if you have no symptoms, treatment or medical advice for that condition.

Full medical underwriting

Your medical history is reviewed upfront and any exclusions are confirmed at the start of the policy.

We explain underwriting clearly so you understand exactly what is covered and what is not before your policy begins.

How Arranging Individual Private Health Insurance Works

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

Step1

Understanding your needs

We start with a friendly conversation about what you want from private health insurance, your budget and any preferences you have around hospitals and benefits.

Step 2

Comparing suitable options

We compare leading UK health insurance providers and shortlist policies that match your needs, focusing on meaningful differences rather than headline benefits.

Step 3

Clear recommendation

We present our recommendation and explain why it suits your needs. If there are alternative options worth considering, we will show those too.

Step 4

Putting cover in place

We guide you through the application process and confirm underwriting terms before the policy begins, so you know exactly how your cover works. 

Step 5

Annual review at renewal

Each year we review your policy at renewal and compare the market again. This helps ensure your cover remains appropriate and competitively priced.

Ongoing Support as Your Needs Change

Your circumstances may change over time. You might want to:

Ajust hospital access

Increase outpatient cover

Change your access level

Add another family member

We can review your options and help you make changes in a way that protects your medical history where needed. Adjustments to your policy can be made at renewal.
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Frequently Asked Questions

 

Does private health insurance cover everything?

Private medical insurance is designed for acute conditions. Chronic condition management is typically supported by the NHS, although policy benefits vary.

Can I choose my own consultant?

Choice of consultant depends on the insurer, hospital list and policy terms.There are also ‘guided’ options where the choice of consultants is restricted for a lower premium.

Is there an excess on private health insurance?

Many policies include an excess. Choosing a higher excess can often reduce the premium. We explain how this works and what it means if you make a claim.

Can I review my policy each year?

Yes. Annual reviews are an important part of keeping your cover appropriate and good value, and we support you throughout the renewal process.

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