Individual health insurance

Individual Heath Insurance

Finding the health insurance policy that fits your personal needs is easy and straightforward with the help of our friendly and expert health insurance advisers.

Personal and bespoke service

Comparison websites cannot tailor their recommendations and options to your individual health insurance needs, but an independent health insurance broker can. UK Health Insurance can help whether you:

  • Are you new to health insurance & would like free expert advice on the right health plan.
  • Have an existing individual health insurance policy & are looking to change your plan or insurer.

Why choose UK Health Insurance


Specialist broker

With many years of experience in the health insurance market, we are able to compare all major UK health insurance providers and find a plan to meet your budget and protection requirements.


Personal approach

Our friendly health insurance advisers always have your best interest in mind and will provide you with health insurance quotes tailored to your health needs and financial requirements.


Free service

Our service to you is always free of charge. We receive payment from the insurer if you choose to purchase your private medical insurance through us, but your premium will be the same as buying directly from the insurer.


Annual reviews

We regularly check that your private medical insurance policy still fits your needs and budget. If we come across a better alternative for you, we will help you switch to a new health insurance plan.

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What is individual health insurance

Health insurance is a way to pay for your private healthcare. With individual private health insurance you are protected against high medical costs because the health insurance company will pick up the bills, partially or fully, when you make a valid claim.

When buying health insurance, you choose a plan that fits your needs and you agree to pay a certain rate each month or each year. In return, you can access private healthcare when you need medical care.

What does health insurance cover?

Health insurance is designed to cover the cost of private medical care for unexpected, acute, short-term conditions (that are curable), and won’t usually cover pre-existing conditions, and the routine maintenance and monitoring of chronic conditions.

Private health insurance can include cover for inpatient, outpatient or day-patient treatment and,  with most insurers, you can adjust the level of cover according to your preference. You can usually also add extra benefits such as dental and optical cover, physiotherapy, mental health and alternative therapies.

More frequently asked questions & answers

Can I get health insurance cover for my family?

Yes, it’s very common for families to get health insurance cover that protects all members of the family. A family health insurance plan can help you look after your loved ones and after your finances. Find out more about family health insurance.

Can I get health insurance if I’m over 50 years old?

Yes, Although it’s always best to get health insurance sooner rather than later in life. The earlier you get health insurance (even if you are over 50) the more likely you are to be covered for any conditions that appear after the start of your policy (unless they are part of any pre-existing medical conditions).

Find out more about over 50s health insurance.

Can I change my health insurance plan or provider?

You are entitled to switch your health insurance policy or provider and the process is often very smooth and simple. There are various reasons why someone would want to change their health insurance, including increased premiums, dissatisfied service or unsuitable cover.

Even if you are happy with your current health insurance, it’s always a good idea to regularly review your policy because there might be better plans on the market that could also save you money. UK Health Insurance can review your health insurance policy for free and advise you whether you should consider switching. Find out more about switching health insurance or request a quote today.

Do I need health insurance?

Private health insurance is optional and works alongside NHS medical services which are free. This means that even if you have health insurance, you can still choose to use the NHS or may have to do so in some cases (e.g. accidents and emergencies).

Here are some statements to help you decide if you need health insurance:

  • When I need medical care, I want to be diagnosed and treated quicky without having to wait.
  • If I have a planned admission to hospital, I want to stay in a private and comfortable room.
  • I want access to treatment and drugs not available on the NHS.
  • I can’t afford to pay for private treatment myself but I can easily afford to pay a set amount of money each month to cover the costs of private healthcare when I need it.

Does health insurance cover cancer?

Even though health insurance does not usually cover chronic diseases, cancer tends to be viewed differently by health insurance companies who will typically offer cancer cover as part of their core cover, or as an optional benefit. Cancer cover can differ from company to company and it can include anything from diagnostic tests to surgery and aftercare. If cancer cover is important to you, we will make sure your policy will provide the cover you need.

Get a free health insurance quote

hings always get done quicker over the phone, so why not complete our quick Request a Callback form and we will give you a call with a free, no-obligation quote when you are available

Want a full bespoke quote?

Use the Get a Full Quote button to enter more detailed information for a bespoke health insurance quote. Our health insurance team will then be in touch shortly to discuss your options.

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