Best Private Health Insurance UK in 2023

Best Private Health Insurance UK
Best Private Health Insurance UK

As UK residents, you will need one of the best Private Health Insurance for one reason or another, whether it’s auto, life, health, home, dental, or disability insurance. It’s even better when this insurance is not only among the best but also reasonably priced.

Aside from providing peace of mind, insurance ensures that you have a defensive strategy in place.

This article will go over the best private health insurance in the UK.

What Is Insurance?

Insurance is a contract, represented by a policy, in which an individual receives financial protection or reimbursement from an insurance company in the event of a loss. The company pooled the risks of its clients in order to make payments more affordable for the insured.

Insurance policies are used to protect against the risk of large and small financial losses resulting from damage to the insured’s or her property or liability for damage or injury caused to a third party.

An insurer, insurance company, insurance carrier, or underwriter is a company that provides insurance. A policyholder is a person or entity who purchases insurance, whereas an insured is a person or entity who is covered by the policy.

In exchange for the insurer’s promise to compensate the insured in the event of a covered loss, the policyholder assumes a guaranteed, known, and related very small loss in the form of payment to the insurer.

Why Is Taking Out The best private health insurance UK Important?

Insurance is a method of risk management. When you buy insurance, you give the insurance company the cost of a potential loss in exchange for a fee known as the premium.

There are several reasons why you should get health insurance in the UK. Among them are:

  • If you obtain the best private health insurance UK, you will be able to maintain your current standard of living if you become disabled or suffer from a critical illness. It covers your daily expenses as well as larger expenses such as your mortgage while you focus on your health and recovery.
  • The best private health insurance UK covers health care costs like prescription drugs, dental care, vision care, and other health-related items.
  • You can fight lifestyle diseases with the best cheap health insurance UK. Diabetes, obesity, respiratory problems, and heart disease, all of which are common in older people, are now common in younger people and can be easily treated.
  • Health coverage safeguards your family should anything happen to them. 
  • The best private health insurance UK can also assist you in managing your savings.

How does Private Health Insurance work in the UK?

The level of Private Health Insurance you choose will determine what you are covered for; in other words, what you can claim for.

If you have a health problem, an illness, or an injury that requires investigation or treatment, see your primary care physician first, who will refer you to a specialist.

Once you’ve been referred, contact your health insurance provider to ensure that the condition is covered by the plan you’ve chosen. Before you see the specialist, make sure your condition is covered.

Here’s how it works:

  • Visit your GP
  • Your GP refers you to a specialist
  • Contact your health care provider to check you are covered
  • Your insurer will provide you with an authorisation code
  • You can then make an appointment or wait to receive confirmation from the specialist

How to buy the best private health insurance UK

When deciding on the best health insurance plan for you, it is critical to compare the market to see what is available. But keep in mind that it’s not just about the price; while low-cost health insurance may be appealing, always check to see what services are included.

You can compare health insurance quotes online with the UK’s leading private health care providers such as AXA PPP, Pru Health, Bupa, Simplyhealth, and Aviva in just a few minutes thanks to our partnership with First Choice Health & Protection, which is regulated by the Financial Conduct Authority.

List of best private health insurance UK

  • BUPA
  • Aviva
  • WPA
  • Saga
  • Vitality
  •  Freedom Health Insurance
  • The Exeter
  • Health-on-line


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.

Pros of Bupa insurance

  • They cover the highest number of mental health issues compared to any other health insurance provider in the UK.
  • They provide access to breakthrough cancer treatments and drugs.
  • Bupa insurance offers 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.
  • They have health reward programmes.


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.

Pros of Aviva

  • 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.


AXA PPP was founded in the twentieth century to provide health insurance to well-off 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.

Pros of AXA PPP

  • 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.


WPA is a health care provider based in the United Kingdom that specializes in providing private insurance to individuals, families, and small businesses.

Pros of WPA

  • Customisable private healthcare plan.
  • You can choose the timing, location, and doctor for your treatment.
  • Instant claim response via the WPA Health app.
  • They have achieved four highly recognised international standards.


Saga’s 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.

Pros of Saga

  • After a GP referral, you can access a specialist for diagnosis.
  • Provides access to private treatment.
  • You can choose a private hospital for your treatment.
  • You can recover from your illness in peace and privacy.
  • Unlimited GP appointments.


In addition to diagnostics and treatments, Vitality offers healthy incentives and discounts through partnered brands, such as half-price gym memberships and cashback on bicycle sportswear, to help their customers stay fit.

Pros of Vitality insurance

  • It is the UK’s only health insurer to provide a full cover promise.
  • You can get appointments within 48 hours, along with a 24/7 helpline.
  • Discounts on popular fitness and health brands, with future weekly rewards.
  • You will have access to specialist treatment and eligible drugs.

 Freedom Health Insurance

Freedom Health Insurance has provided private medical insurance for the UK and international customers through its various policy options.

Pros of Freedom Health Insurance

  • 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.

The Exeter

The award-winning insurer offers everything from health insurance to life insurance and income protection policies, making it an appealing option.

Pros of the Exeter

  • Online GP appointments.
  • Access to the HealthWise app.
  • Medical advice
  • Support for mental wellbeing
  • Physiotherapy
  • Consultations from professional and registered dieticians.
  • Consultations on lifestyle and nutrition.


Health-on-Line is a rapidly expanding insurance company that aims to provide simple policies and simplify what they perceive to be a complex industry. They provide core coverage, with options based on your budget and needs. AXA PPP healthcare has partnered with Health-on-Line.

Pros of Health-on-line

  • With Health-on-Line’s insurance, you get a personal account management service.
  • You get access to a 24/7 medical helpline.
  • Manage your policy online.
  • You get a 40% discount at Nuffield Health centres.
  • You can avail of a 25% discount on Health Assessments.


Obtaining the best private health insurance UK for yourself and your family can provide the extra protection you require in these trying times. Aside from the obvious benefit of having the financial security to care for your loved ones, a health insurance plan is extremely useful in combating medical treatment inflation.

FAQs about best private health insurance UK

How do I get cheap health insurance in UK?

When shopping for a health insurance policy in the UK, compare plans from several different companies to find the most affordable health insurance. Then, based on your specific needs, you can evaluate which companies offer the best rates and choose the policy that is best for you.

Who are the top best health insurance providers in UK?

The top best health insurance providers in the UK are:

  • BUPA
  • Aviva
  • WPA
  • Saga
  • Vitality
  •  Freedom Health Insurance
  • The Exeter
  • Health-on-line

What is the average cost of health insurance in the UK?

According to, the average annual premium for private health insurance for an individual in the UK is £1,435 (or roughly $1,785). This works out to about £120 (or $150) per month.

  • BUPA
  • Aviva
  • WPA
  • Saga
  • Vitality
  •  Freedom Health Insurance
  • The Exeter
  • Health-on-line
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According to, the average annual premium for private health insurance for an individual in the UK is £1,435 (or roughly $1,785). This works out to about £120 (or $150) per month.

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