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Private health insurance

Private health insurance

Helping you choose private health insurance with confidence

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Private health insurance

Specialist advice with a great choice of insurers

Whether you're buying health insurance for the first time or reviewing existing cover, we're here to help you make a confident decision.

We help you compare and choose cover from top insurers like Bupa, AXA, Aviva and Vitality. And to maximise value-for-money, we’ll help you strip away unnecessary extras you don’t need and find the latest joining discounts, cashback and member rewards.

There are no fees for this great service - just one-to-one impartial advice to make sure you get the right cover at the right price.

Private health insurance gives you more control over your healthcare – letting you choose when and where you’re treated, and giving you the reassurance that you’ll be looked after when it matters most.

You can access faster diagnosis and treatment, choose from a wider range of specialists, and take greater control over your health and wellbeing.

Get quicker access to GP referrals, consultations, tests and scans, helping you get to the bottom of your symptoms. With private healthcare, you can often avoid long NHS waiting lists, so you can get treated sooner.

Health insurance gives you more say in where and how you’re treated. Choose from a wider range of consultants, specialists and hospitals, plus access treatments that may not be available on the NHS.

Experience the comfort of private hospital rooms with on-site chefs, get parent accommodation if your child needs to stay overnight in hospital, plus 24/7 healthlines offering round-the-clock support.

Explore different health insurance policies to find cover that perfectly matches your needs and budget.

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Individual cover helps you see specialists, get tests and start treatment faster. A plan just for you means you can choose a policy that perfectly matches your own needs and budget.

Happy young couple sitting on a sofa with their two children and their dog

Family plans let you cover two or more people under one policy, helping you all get quicker access to diagnosis and treatment. You have peace of mind at less cost than taking out separate plans.

Child and baby health insurance can help provide faster access to quality healthcare for eligible conditions, and give you greater choice about when and where they are treated.

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From SMEs to corporates, you can tailor a plan to provide medical cover for your team. Health insurance supports their wellbeing, and may help them get back to work sooner.

Get a great deal on health insurance with fee-free support from an adviser. Call 0800 144 4777 or arrange a call back for a time that suits you.

Already have health insurance?

Thinking about switching health insurance from your current insurer to a new one that better suits you?

We can review your circumstances, premiums and needs, and recommend a more suitable policy when switching makes sense.

Learn more

With Money Service, you get impartial advice from dedicated health insurance specialists who focus on finding the right cover for you – not just showing you a list of prices.

We take the time to understand what you’re looking for, then do the heavy lifting to match you with suitable options from leading UK insurers.

We’ll check why you’re looking for cover, your budget and any specific requirements, so everything is built around what matters to you.

A few simple medical questions help us understand your circumstances and make sure we only look at policies that are relevant to you.

You can see tailored cover choices, including core protection and optional extras like mental health support, dental or physiotherapy – so you only pay for what you actually want.

You’ll receive a clear recommendation, often alongside an alternative option, so you can compare and choose with confidence.

If you choose to proceed, we’ll complete the application for you to make things as simple as possible.

There’s no charge for you to use our service, and you’re under no obligation to take cover – we’re simply here to provide impartial advice and help you make the right choice.

Call for advice and deals from top providers

Speak to a dedicated health insurance adviser today for fee-free impartial advice. Call 0800 144 4777 or request a call back at a time that suits you.

Our advisers make health insurance simple and find great value cover that’s right for you.

Busy right now? Choose a day and time that suits you and we'll call you back.

Prefer to start online? Use our quick tool to get an initial health insurance quote in seconds.

Page reviewed on 10th August 2026 by Cassie Silva

Yes, you can switch private health insurance providers, and it may help you find a more competitive price, better benefits, or cover that better suits your current needs. However, it’s important to review the details carefully before making a change.

Key things to consider include:

Continuity of cover: Check whether your new insurer will carry over existing medical underwriting or exclusions, especially if you have ongoing conditions.
Pre-existing conditions: These are likely to be excluded depending on the new provider’s terms.
Waiting periods: Switching can sometimes restart waiting periods for certain benefits, such as ‘baby bonuses’. It can also affect eligibility under moratorium underwriting, meaning pre-existing conditions may need to be symptom-free for a set period again before they become eligible for cover.
Fees and charges: Your current policy may include cancellation fees or exit charges.
Excess and costs: Your excess or monthly premium may change with a new plan.

Taking time to compare your current policy with other options will help ensure you don’t lose important cover when switching. Money Service offers a specialist switching service to help you find a more competitive deal or better cover than you currently have.

Helping you choose private health insurance with confidence

Specialist advice with a great choice of insurers

Invest in your health

Faster diagnosis

Choice about your treatment

Extra support and comfort

Which health insurance plan is right for you?

Private healthcare for you

Cover for your loved ones

Health cover for kids

Business health cover

Already have health insurance?

How our health insurance advice service works

1. Your needs come first

2. Cover shaped around your health

3. Your tailored options, in one place

4. Clear recommendations

5. Easy arrangement service

6. Fee-free and no obligation

Call for advice and deals from top providers

Health insurance guides

Health insurance guides

Frequently asked questions

How do I choose the right private health insurance plan?

How soon can I start using my health insurance policy?

Can I switch my private health insurance?

Do I need private health insurance if I’m covered through work?

Get tailored health insurance advice and quotes

Call us now

We’ll call you

Get an online quote

Invest in your health

Faster diagnosis

Choice about your treatment

Extra support and comfort

Which health insurance plan is right for you?

Private healthcare for you

Cover for your loved ones

Health cover for kids

Business health cover

Already have health insurance?

How our health insurance advice service works

1. Your needs come first

2. Cover shaped around your health

3. Your tailored options, in one place

4. Clear recommendations

5. Easy arrangement service

6. Fee-free and no obligation

Call for advice and deals from top providers

Health insurance guides

Frequently asked questions

How do I choose the right private health insurance plan?

How soon can I start using my health insurance policy?

Can I switch my private health insurance?

Do I need private health insurance if I’m covered through work?

Get tailored health insurance advice and quotes

Call us now

We’ll call you

Get an online quote