--- title: Health Insurance for Individuals | Morehealth Limited description: Health insurance for individuals from Morehealth. Compare individual private medical insurance and personal private health insurance with expert advice. --- - [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) # Individual Private Health Insurance [Contact Us](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLLg3kaLLooMHvFDAkO5urVT70R4TohgH30tnVOoHKul%2FSkf6x9lo0nvks69gDF4zpxaG29v8dZYaNfMtJ71hegJgACU0sTAiYFsZzQr6T0jHLkl7KiWJ0SpuU9Zdsbu7DSw7RTQiO24ZmbTGYjG06CRx6NvTsMOwcOwYzxMQ76jwgDIOL7r5DhRpPuRsGQJIg%3D%3D&portalId=147592284) ![1](https://www.more-health.co.uk/hs-fs/hubfs/Images/1.webp?width=1563&height=1094&name=1.webp) - ### FCA Regulated - ### Independent Broker - ### 15+ Years Experience - ### UK-Based Advisers - ### 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. ### I don’t currently have health insurance Get a brand-new policy \> [I don’t currently have health insurance](https://www.more-health.co.uk/new-private-health-insurance) ### I already have health insurance Review or switch your existing policy \> [I already have health insurance](https://www.more-health.co.uk/review-or-switch-existing-policy) ## 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 ](https://www.more-health.co.uk/hs-fs/hubfs/Images/10.webp?width=1563&height=1094&name=10.webp) ## 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. ![12](https://www.more-health.co.uk/hs-fs/hubfs/Images/12.webp?width=1563&height=1094&name=12.webp) ### 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. [Free Health Insurance Check](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLIkiGv5e1ajjS8u2KDFlfCVKogA3Hy1FyPZnAlM%2FBGEpv6mWPzzQnmRtOU%2B5rGw5fJdT6jd9YaGJ1YcvXIj9p24t94540egmU7UbZnO%2BL8Q5n586Zj4WKp8BTMuXB7HWAL7CWTtr91Rf1%2BguPwuhmOZKa65QLDf7NyzZVFAC2R9uMBHMxBmR%2B6P%2FLhCrgveozwL5epl4SDgrsKvzFQIOktU&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) 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** ## 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. [Contact Us](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLLg3kaLLooMHvFDAkO5urVT70R4TohgH30tnVOoHKul%2FSkf6x9lo0nvks69gDF4zpxaG29v8dZYaNfMtJ71hegJgACU0sTAiYFsZzQr6T0jHLkl7KiWJ0SpuU9Zdsbu7DSw7RTQiO24ZmbTGYjG06CRx6NvTsMOwcOwYzxMQ76jwgDIOL7r5DhRpPuRsGQJIg%3D%3D&portalId=147592284) ## 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. [Get A Quote](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLLA7ZSKHLIUA140vpEWV7e604y2ckmOzwpHSVPj%2BJvHMpYYlNdQnmSRX%2BXswDZYIwg9qUb5iRO4TnTNy9dE9Mn1nvhCWUoCVvKKSkc85N5DZMT0Xz1Lq2W9TDqk1k6Odk1%2B2mRZiHIDNrG0WP%2BTmoe7N6oZXhakQKEbsEvYT6bMGgeJa06jE8E%2B30IbaOqvF8s%3D&portalId=147592284) ## Frequently Asked Questions   What does individual health insurance cover, and what is excluded? Individual health insurance generally pays for private diagnosis and treatment of acute conditions that start after your policy begins, such as consultations, scans, surgery and hospital stays. It doesn't normally cover chronic conditions, emergencies, pregnancy or cosmetic surgery, and existing conditions depend on your underwriting. Exact cover varies by insurer and policy. An acute condition is one that is likely to respond to treatment, such as a torn knee ligament or a hernia. As an illustrative example, a scan and surgery for a new knee injury would usually be eligible, while the long-term management of an existing condition would not. Generally, chronic conditions are not covered. Some policies may cover the initial diagnosis and treatment of a flare-up, but ongoing management of a chronic condition is not covered. You can read more in our guide to[chronic conditions and health insurance](https://www.more-health.co.uk/chronic-conditions-explained). Cancer is treated differently, and most insurers cover it through its different stages. The level of cover varies, so it's worth comparing[cancer cover](https://www.more-health.co.uk/cancer-cover-compared) before you choose. Emergencies are normally handled by NHS services. Private cover works alongside the NHS, which remains available to you. Who is individual health insurance suitable for? It suits anyone who wants private access to diagnosis and treatment but isn't covered through an employer, including the self-employed, retirees, couples and families. You can usually arrange your own policy from age 18, and insurers set their own age limits. It may be most useful if you value choice of hospital and consultant. If you're employed, check whether your employer already offers cover before you buy your own. If you run a limited company, a business policy may be an alternative, and we can compare both routes with you. Our[business health insurance](https://www.more-health.co.uk/business-health-insurance) page explains how company schemes work. If you're retired or approaching retirement, premiums generally rise with age, and insurers apply different criteria to older applicants. We compare these criteria against your circumstances rather than assuming a single insurer will suit you. Many people consider cover because of long waits for diagnosis or treatment. Our guide to[NHS waiting times](https://www.more-health.co.uk/nhs-waiting-times) explains why this is a common concern. Private cover isn't right for everyone, and we'll tell you honestly if a policy is unlikely to give you what you need. We don't give tax advice, so if you're self-employed or paying through a company, ask your accountant how it applies to you. Can I get individual health insurance if I have a pre-existing condition? Yes, you can still take out a policy, but a condition you already have will normally be excluded, at least at first. You may still be covered for new, unrelated acute conditions. How past conditions are treated depends on your underwriting, so it's worth choosing the method carefully before you apply. With moratorium underwriting, you don't complete a medical questionnaire. Instead, 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, it may become eligible if you've been free of symptoms, treatment and advice for 2 continuous years. With full medical underwriting, you declare your history upfront and the insurer confirms any exclusions at the start, so you know where you stand from day 1. Accuracy matters with either method. Under the[Consumer Insurance (Disclosure and Representations) Act 2012](https://www.legislation.gov.uk/ukpga/2012/6/section/2), you must take reasonable care to answer an insurer's questions accurately. Our guide to[health insurance underwriting](https://www.more-health.co.uk/health-insurance-underwriting) explains each option in more detail. We can't make medical judgements on your behalf, but we can explain how insurers typically apply their terms. Does individual health insurance include mental health cover, GP access and other extras? Core cover usually focuses on hospital treatment, and many policies add outpatient care, often with limits. Mental health support, therapies, dental and optical cover, and travel cover are often optional or limited. Some policies include digital GP access. What's included varies by insurer, so we compare the detail for you. These are the extras people most often ask about: - Mental Health: Cover for inpatient and outpatient psychiatric treatment, usually with limits on the number of days or sessions - Therapies: Physiotherapy, osteopathy, chiropractic care or acupuncture, often up to a set amount - Dental And Optical: Contributions towards routine or accidental dental costs, glasses, contact lenses and eye tests - Travel Cover: European or worldwide cover offered with some policies Each extra adds to the premium, so it's worth asking whether you would realistically use it. Our guide to[health insurance product options](https://www.more-health.co.uk/health-insurance-product-options) explains what is available and how the options fit together.   Can I include my partner or children on an individual health insurance policy? Yes, most insurers let you arrange cover for just yourself, for you and a partner on a joint policy, or for a family. Each person's medical history is assessed individually, so one person's condition doesn't affect what's covered for anyone else. Prices, age limits for children and terms vary by insurer. A joint or family policy isn't automatically the best fit. If you and your partner want different hospital lists, outpatient limits or excesses, 2 separate policies may suit you better. We can compare both set-ups using your actual details. You can usually add family members later, and this is typically done at renewal. Where medical history is involved, it's worth speaking to us before making changes, so you understand how an insurer is likely to treat it. How does making a claim on individual health insurance work? You contact your insurer before arranging treatment, usually after a GP referral. The insurer confirms what's covered and approves the treatment, then you attend an eligible hospital or consultant. You pay any excess, and the insurer pays the rest, within the limits of your policy. Do not book private treatment before your insurer has confirmed cover. Approval depends on your policy terms, your underwriting and the hospital list you chose, and treatment that hasn't been agreed in advance may not be paid for. If you're unsure who to see, many insurers can suggest approved consultants or treatment centres. Some policies use a guided option, which narrows your choice to a select list. You can[find private hospitals near you](https://www.more-health.co.uk/find-a-hospital-near-me) to check which are convenient. On a moratorium policy, the insurer may ask your GP or specialist for medical records, with your consent, to check whether the condition is covered. This can make a claim take a little longer. It helps to keep a note of past appointments, referrals and prescriptions. Can I switch individual health insurance or change my cover later? You can usually switch insurer or change your cover, and renewal is the most common time to do it. Switching needs care, because a new insurer may ask medical questions and apply exclusions. Options such as continued personal medical exclusions (CPME) can sometimes protect your existing position, subject to the new insurer's acceptance. 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 policy is on moratorium terms, a continued moratorium may let you keep your original start date rather than restarting the 2-year clear period. Changing your cover is often simpler than switching. At renewal you can review your hospital list, outpatient limit and excess, or add family members, and the right choice depends on your circumstances. Staying with your current insurer can be the better option, and we'll tell you if we think so. Never cancel an existing policy until the new one is confirmed, so there's no gap in cover. Find out how we[review or switch an existing policy](https://www.more-health.co.uk/review-or-switch-existing-policy). How do I get a quote for individual health insurance? Request a quote from us with the name, date of birth and postcode of each person to be covered. We compare policies across the market and talk through your options before you decide. We don't show instant online prices, because an estimate that ignores your details can be misleading. You can[request a health insurance quote](https://www.more-health.co.uk/get-a-quote) online, call us on 0800 028 5540 or message us on WhatsApp. Our guide to[how much private medical insurance costs](https://www.more-health.co.uk/how-much-does-private-medical-insurance-cost) explains what affects the price. 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. Our advice is free. If you take out a policy, we receive commission from the insurer you choose, and this commission is not added to your premium. Morehealth Limited is authorised and regulated by the Financial Conduct Authority (FCA), firm reference number 815733, and there's no obligation to proceed. If you're new to private cover, our guide to[taking out a new policy](https://www.more-health.co.uk/new-private-health-insurance) is a good place to start. #### [![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" : "Private medical insurance is designed for acute conditions. 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