Best 15 Affordable Health Insurance Companies in the Uk

When it comes to health insurance, finding the best affordable health insurance companies in the UK should be at the top of your priority list. Interestingly, there are some great choices to choose from.

It is well worth the time and effort to establish a formal health benefit. There are several benefits to getting affordable health insurance in the UK because it protects you from unexpected, high medical costs.

Even before you meet your deductible, you are entitled to free preventive care such as vaccines, screenings, and some check-ups. Understanding which health insurance companies are trustworthy and offer a diverse range of products and services is a good place to start.

The following insurance companies discussed in this article, are the top ten most affordable health insurance companies in the United Kingdom. This list is an excellent place to begin your research in order to get excellent health benefits.

What is defined as health insurance in the UK?

One of the most important insurance purchases that an individual or family will make is health insurance. Health insurance allows you to access and pay for private healthcare in the United Kingdom. This can range from private doctor’s appointments to cancer treatment.

While the NHS provides free treatment, there can be long wait times and the types of treatments available are limited. You can get access to private hospitals and medical facilities for prompt, high-quality care if you have health insurance.

You pay a monthly or annual fee for health insurance and make claims for private healthcare you receive. Depending on your plan, your insurance will cover some or all of the costs of these treatments.

A private health insurance policy can cover a variety of medical diagnoses and treatments, both in and out of the hospital.

Why get health insurance in the UK

The top reasons you need to get insurance coverage are as follows:

• Risk coverage
• Coverage for medical expenses
• Peace of mind 
• Cashless Claim Service

Risk coverage

The primary benefit of an insurance policy is that it protects you against risk. You can ensure that if your possessions are damaged as a result of your illness, you will receive adequate recovery benefits. Health insurance, life insurance, car insurance, travel insurance, and even mobile phone insurance, as the names suggest, will provide you with security and protection against future risks.

Coverage for medical expenses

You never know when a chronic medical problem will strike you or a loved one. If you have a family floater or individual health policy, your insurer will take care of the medical bills, allowing you to focus on the treatment process.

Peace of mind 

Every day, we deal with risks! Insurance is a risk management tool that many people use to deal with the risks they face on a daily basis. For example, health insurance is a tool for managing health risks that can arise at any time. Illnesses can prevent you from achieving your goals in the future, but having the right insurance coverage, such as a retail health plan, means you can access healthcare at over hospitals.

Cashless Claim Service

If you choose adequate coverage, you won’t have to pay anything out of pocket if you use cashless treatment facilities. Take the patient to any of the network hospitals that your insurer has a relationship with, and notify the TPA (third party administration) and the insurer as soon as possible. The insurer would directly settle the bill with the hospital. Alternatively, you can seek treatment at any hospital or healthcare provider of your choice and file a reimbursement claim with the insurer by submitting original invoices and required documents.

Specialist treatment

Private health insurance can help pay for the costs of specialist drugs and treatment.

What are the Top 15 Affordable Health Insurance companies in the UK?

Here are the top 15 affordable health insurance companies in the UK

• Aviva Healthcare
• AXA PPP Healthcare
• Bupa Healthcare (BBY Policy)
• Freedom Health Insurance
• Anderson Health
• General Medical
• Health-on-Line
• The Exeter
• Vitality Health
• WPA
• Saga
• halcyon
• Benenden Health
• Boots Health Insurance
• bhsf

Top 15 Affordable Health Insurance companies in the UK

The following is a comprehensive list of the best affordable health insurance companies in terms of service, benefits, coverage, and rates. Also always, please carefully read the policy’s terms and discuss them with a health broker who can help you through the process.

#1. Aviva Healthcare insurance

Aviva is the largest insurance company in the United Kingdom, with 33 million customers worldwide. Aviva’s Healthier Solutions is a product that provides private medical treatment via a nationwide network.

Aviva health insurance offers the following benefits:

• Comprehensive care for all of your cancer treatment needs.
• Guidance via Expert Select.
• An online health and wellbeing tool – MyHealthCounts.
• Accessibility to GP consultations and more via Aviva Digital App.
• Savings on gym services.
• 24-hour access to professional stress counsellors.
• Mental health support.

#2. AXA PPP Healthcare

AXA PPP was founded in order to provide health insurance to well-to-do workers in central London. This provider is regarded as one of the best private health insurance companies specializing in providing quality UK medical care, with over 80 years of experience and millions of customers served worldwide.

AXA PPP Healthcare health insurance offers the following benefits:

• With a comprehensive range of heart and cancer cover, AXA provides access to the latest approved drugs
• As an outpatient, you have access to the Fast Track Appointments service
• Access to the latest eligible drugs
• Unlimited consultations via AXA Doctor at Hand
• 24/7 health advice via Health at Hand

#3. Bupa Healthcare

BUPA is one of the largest and best private healthcare insurance providers in the United Kingdom. It currently has over 31 million customers in a variety of countries. BUPA By You provides custom-configured benefit packages that can be tailored to your specific requirements.

Bupa healthcare health insurance offers the following benefits:

• They cover the highest number of mental health issues compared to any other health insurance provider in the UK.
• Provide access to breakthrough cancer treatments and drugs.
• They offer 24/7 access to GPs with the Digital GP app.
• You can contact their specialists directly, even before contacting a GP.
• They provide 24/7 health advice via the Anytime Healthline.

#4. Freedom Health Insurance

Through its various policy options, Freedom Health Insurance has provided private medical insurance to customers in the United Kingdom and around the world.

Freedom Health Insurance healthcare offers the following benefits:

• Same pricing across all localities
• No payments are required for children after the first one
• The same customer service representative can be contacted for any query or guidance
• 6% discount on annual payments

#5. Anderson Health insurance

Anderson Health is an independent firm of Private Medical Insurance brokers, based in the city of London since 1996, offering advice to city institutions, foreign governments, large corporates, law firms, SMEs, ex-pats and many individuals and families. The company offers outstanding customer service negotiating the best renewal terms available to help clients save money while staying with their existing provider.

#6. General Medical

General & Medical was founded in the 1980s and initially provided Finance and Insurance services to professionals in the United Kingdom. Within a year, the company was incorporated as a Plc, and it has continued to grow at a rapid pace. Today, General & Medical is a major provider of finance and insurance services in the United Kingdom.

#7. Health-on-Line

AXA PPP healthcare Ltd underwrites Health-on-Line policies, giving customers access to over 65 years of private health insurance experience. This includes access to the AXA PPP network’s over 200 quality-assured hospitals.

Health-on-Line offers private health insurance to residents of the United Kingdom. The company offers health insurance in a modular format, allowing you to build a policy with modules that meet your needs and budget.

#8. The Exeter

Exeter Family Friendly provides members who are unable to work due to illness or injury with award-winning income protection products. It also offers a variety of private medical insurance plans to provide members with access to high-quality private treatment.

Founded in 1927, but its roots date back to 1888. Its goal as a mutual Friendly Society is to reduce the cost and impact of illness on its members and their families.

#9. Vitality Health

Vitality is an innovative health and life insurance company that helps people learn more about their personal health, rewards them for living a healthy lifestyle, and protects them when things go wrong.

It encourages members to take a more active role in their own wellness management, encouraging them to develop healthy long-term habits that are good for them, the company, and society. If they need to make a claim, Vitality members have the reassurance of best-in-class coverage, including medical care with a Full Cover Promise and serious illness protection that covers nearly four times as many conditions as other providers.

#10. WPA

Western Provident Association (WPA), a private medical insurance provider, has a history dating back more than a century. WPA health insurance plans and coverage include award-winning policies for businesses, self-employed individuals, professionals, and families. It also provides dental insurance, NHS top-up plans, and plans paid for by the company.

Furthermore, because it is a non-profit organization, its goal is to add customer value rather than shareholder value. Parents and Children Together (PACT) is the company’s own charitable foundation, and it is also certified in Environmental Management.

#11. Saga

Saga’s health insurance plans are intended for people over the age of 50. It has been providing high-quality health insurance that can command a premium price from customers who value a higher level of service.

#12. halcyon

Halcyon was founded in 2003 to assist UK companies, large and small, as well as private families and individuals, throughout the UK and those living abroad, in arranging health and protection policies. Private health insurance, healthcare cash plans, income protection, life insurance, serious and critical illness insurance, and travel insurance for pre-existing conditions are sourced from a wide range of leading insurers, and policies that best fit your budget and specific healthcare needs are recommended.

#13. Benenden Health

Benenden Health insurance provides high-quality healthcare services at a low cost to everyone. The organization is a mutual, not-for-profit private healthcare provider that caters to the needs of its 820,000+ members.

For just £11.90 per month, you can get access to physical and mental health services, including a 24/7 GP and Mental Health helpline, quick access to diagnosis and treatment, and much more.

#14. Boots Health Insurance

Boots provides travel insurance for people with pre-existing medical conditions like diabetes, pregnancy, cancer, and even heart disease. Request a quote today.

#15. bhsf

bhsf health insurance, founded in 1873, is one of the oldest names in healthcare, serving over 5,000 public and private sector businesses across the UK. This translates to over 1.7 million people receiving assistance through health insurance policies, employee benefits, and occupational health solutions.

Health Insurance cost the UK

With so many variables at play, determining the ‘cost’ of health insurance is difficult. A young person in a lower-cost postcode can pay less than £20 per month for limited coverage, whereas a person in their 50s living in central London who requires comprehensive coverage can easily pay more than £100 per month for the same level of protection.

FAQs about Affordable Health Insurance companies in the Uk