New Private Health Insurance

We’ll Help You Compare with Confidence

If you are looking at private health insurance for the first time, it is completely normal to have questions. Policies are often described in different ways, and it can be difficult to understand what matters most until you actually need to use the cover.

At Morehealth, we help you arrange new private health insurance in a clear and straightforward way. We compare leading UK providers, explain how policies work and help you choose cover that fits your needs and your budget.

Faster access to specialist consultations

Quicker diagnostic tests such as MRI and CT scans

Eligible treatment in private hospitals

Greater choice of hospitals and appointment times

Cancer treatment within private facilities (depending on the policy)

Your hospital network or hospital list

Level of outpatient cover , including consultations and diagnostics

Your policy excess and how it affects premiums

Optional policy features or additional benefits, such as therapies

Dental cover

Moratorium underwriting

Recent medical conditions may be excluded initially. If you remain symptom-free and receive no treatment or advice for a set period, cover may return for some conditions depending on the insurer’s rules.

Full medical underwriting

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

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

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

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Why the Policy Start Date Matters

Timing can be important when arranging new private health insurance. Policies are designed to cover conditions that begin after the policy start date.

For this reason, it is usually best to arrange cover before you need to use it, so your policy is already in place and your underwriting position is clear.

We can also help you choose the right start date if you are leaving an employer health scheme and purchasing a personal health insurance policy for the first time.

Step 1

Understanding your goals

We start with a conversation about what you want from private health insurance, your budget and any preferences you have regarding hospitals or benefits. We also explain what insurers may ask during underwriting.

Step 2

Market comparison

We compare leading UK private health insurance providers and shortlist the policies that best match your priorities. We focus on practical differences such as hospital access, outpatient cover and cancer benefits.

Step 3

Clear recommendation

We present our recommendation clearly and explain why it fits your needs. If there are alternatives, we will show you those too.

Step 5

Application and underwriting

We guide you through the application and underwriting process. Once the insurer confirms the terms, we ensure you understand what is covered and what exclusions apply.

Step 4

Ongoing support and renewal review

When your renewal approaches, we review your policy, explain any premium changes and compare the market again if needed. This helps keep your cover suitable and good value over time.

Once your details are confirmed and underwriting is complete, a policy can usually start quickly. The exact timing depends on the insurer and the underwriting route.

A new private health insurance policy is designed for conditions that arise after the policy start date. Underwriting determines how any existing medical history is treated.

Yes. Choices such as the hospital list, outpatient level and excess can significantly affect the premium. We help you find the right balance between cover and cost.

Yes. We remain available to help with your policy and review it at renewal to ensure it continues to meet your needs

FCA Regulated

Independent Broker

15+ Years Experience

UK-Based Advisers