UK health insurer reviews
Every insurer structures cover differently — underwriting, hospital lists, no-claims rules and mental health limits all vary. Our reviews explain the differences in plain English, so you know what you're comparing.
Bupa — Bupa By You
The UK's best-known health insurer, with its own hospitals and clinics and market-leading mental health cover.
From £42/month · People who want the biggest brand, strong cancer and mental health cover, and direct access services without GP referrals.
Read the full Bupa review →AXA Health — AXA Health Plan
A flexible, modular plan from one of the world's largest insurers, with a shorter three-year moratorium than most rivals.
From £45/month · Families who want flexible, modular cover, and anyone whose medical history sits just beyond a three-year moratorium window.
Read the full AXA Health review →Aviva — Healthier Solutions
Comprehensive core cover with unlimited outpatient options and more ways to trim the premium than most rivals.
From £50/month · Buyers who want comprehensive cover but need levers to keep the premium down, and older joiners other insurers may turn away.
Read the full Aviva review →Vitality — Personal Healthcare
Health insurance with a rewards engine — healthy habits earn discounts on premiums and perks from brands like Apple and Caffè Nero.
From £54/month · Active people who will use the rewards engine, and anyone who values fast physio and mental health access without GP referrals.
Read the full Vitality review →WPA — Complete Health
A not-for-profit insurer with the market's best customer satisfaction scores and access to over 1,000 hospitals.
From £45/month · People who value service quality and want the widest possible choice of hospitals and consultants.
Read the full WPA review →The Exeter — Health+
A friendly society with the most protective no-claims discount in the market and unlimited app-based GP access.
From £53/month · People planning to hold cover long-term who want their no-claims discount protected, and heavy users of virtual GP and physio services.
Read the full The Exeter review →Freedom Health Insurance — Freedom Elite
The only UK insurer that ignores your postcode — with the strongest inpatient mental health cover reviewed.
From £70/month · People in high-cost postcodes, and anyone who wants serious inpatient mental health cover.
Read the full Freedom Health Insurance review →National Friendly — My PMI
A mutual society accepting joiners up to age 85, with a five-year pricing structure that stops your own claims raising your premium.
From £67/month · Older buyers other insurers turn away, and anyone who values premium stability over rock-bottom starting prices.
Read the full National Friendly review →Saga — Saga Health Insurance
Over-50s specialist cover underwritten by Bupa, with a unique four-week NHS wait option.
From £88/month · Over-50s who want Bupa's network with underwriting and options tuned to their age group.
Read the full Saga review →General & Medical — G&M Elite
A smaller insurer with benefits nobody else offers — including private childbirth cover and optional cover for some pre-existing conditions.
From £80/month · People with a pre-existing condition other insurers won't touch, and buyers wanting unusual benefits like childbirth cover.
Read the full General & Medical review →