Private health insurance for everyone
Private health insurance doesn’t have to be complicated or expensive. Whether you want faster access to treatment, more choice over where you’re seen, or just a bit more peace of mind, there are plans to suit different needs and budgets.
Get a quick, no-obligation quote and compare all insurers in one place.
How health insurance works in the UK
Private health insurance in the UK works alongside the NHS, not instead of it. People usually get it to be seen sooner, have more choice over where they’re treated, and get a bit more peace of mind. You pay a monthly or yearly premium, and your cover depends on the plan you pick (and any excess you choose).
If you need treatment, you’ll typically start with your GP and get a referral, then check with your insurer before booking a private appointment. The insurer pays the provider (or reimburses you), and you cover any excess or anything outside your policy. What’s included varies, so it’s worth looking closely at things like outpatient cover, diagnostics and add-ons.
Types of cover?
Insurers offer cover for individuals, couples and families. Many also offer insurance for businesses too.
Why use My Health First?
Save more on your health insurance
Plans tailored to your individual needs
Get a quote to find the right policy
What does health insurance cover?
While exact benefits depend on your chosen policy level, most plans include:
Consultations with private specialists
Diagnostic tests and scans (like MRI, CT, X-ray)
Surgery and hospital stays
Cancer treatment and aftercare
Access to virtual GP appointments
Some policies also include:
Mental health support and counselling
Physiotherapy and complementary therapies
Compare and choose the right policy
When comparing policies, look at:
- What’s included and excluded
- Hospital networks
- Cancer and mental health cover
- The level of excess
- Customer reviews and claims process
Comparing leading providers like Aviva, Bupa, Vitality, and AXA Health can help you find the best balance of cost, cover, and benefits.
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