{"id":246093,"date":"2025-05-18T20:34:11","date_gmt":"2025-05-18T20:34:11","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/10-best-private-health-insurance-providers-uk-2025-reviews\/"},"modified":"2025-05-18T20:34:11","modified_gmt":"2025-05-18T20:34:11","slug":"10-best-private-health-insurance-providers-uk-2025-reviews","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=246093","title":{"rendered":"10 Best Private Health Insurance Providers UK (2025 Reviews)"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<p>Find out who the best private health insurance providers are in the UK, based on policy benefits and limits, customer reviews and more, with our impartial expert ratings.<\/p>\n<div>\n<div class=\"w-embed\">\n<div class=\"white-card-with-shadow-wrapper\">\n<div class=\"white-in-content-box\">\n<h3 class=\"black-h3\"><strong>Why you can trust myTribe reviews <\/strong><\/h3>\n<div>At myTribe, we provide independent, research-backed reviews to help people in the UK make informed health and financial decisions. Our team of experts analyses private health insurance policies, terms, and conditions to highlight key differences for consumers. While we partner with brokers, we remain independent of insurers, ensuring editorial integrity. Read our <a href=\"https:\/\/www.mytribeinsurance.co.uk\/pmi-ratings-methodology\">private health insurance rating methodology<\/a>.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<figure style=\"max-width:820pxpx\" class=\"w-richtext-align-fullwidth w-richtext-figure-type-image\">\n<div><img decoding=\"async\" src=\"https:\/\/cdn.prod.website-files.com\/60a0cd9e83c3b8837315f825\/67d9971f4a1d0e3024ed8788_Best%20private%20health%20insurance%202025%20graphic.avif\" loading=\"lazy\" alt=\"Graphic with the words &quot;Best Private Health Insurance 2025, Our impartial, Expert Reviews&quot; overlaid\"\/><\/div>\n<\/figure>\n<p><h2 id=\"top-ten-private-health\">Top 10 private health insurance companies UK (2025)<\/h2>\n<\/p>\n<p>Based on extensive independent research, our private healthcare experts\u2019 top 10 private health insurance companies and plans for 2025 are:<\/p>\n<div class=\"w-embed\">\n<div class=\"provider-card_wrapper\"><a href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\" class=\"button yellow w-inline-block\"><\/p>\n<p>Compare Quotes<\/p>\n<p><\/a><link rel=\"prefetch\" href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\"\/>\n<div class=\"provider-card_details\">\n<div class=\"accordion_wrapper1\">\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"true\" aria-controls=\"accordion-panel-1\" class=\"custom-accordion_trigger1 is-button is-open\" id=\"accordion-button-1\"><span class=\"accordion-heading\">Pros and cons of Bupa health insurance<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-1\" data-custom-accordion=\"content\" aria-hidden=\"false\" role=\"region\" class=\"custom-accordion_content1 is-open\" id=\"accordion-panel-1\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"list-wrapper\">\n<div id=\"w-node-_6387e342-6e9a-5ffb-ae1d-a3a8f0e3e509-4712a9e4\">\n<h5 class=\"h5-black\">Pros<\/h5>\n<ul role=\"list\" class=\"pros-list w-list-unstyled\">\n<li class=\"pro-list\">Go direct to Bupa for a range of health concerns<\/li>\n<li class=\"pro-list\">Mental health cover as standard<sup>1<\/sup>, including recurring conditions<sup>2<\/sup><\/li>\n<li class=\"pro-list\">No upper age limits, join at anytime<\/li>\n<li class=\"pro-list\">Dental care included for all members<\/li>\n<li class=\"pro-list\">Strong no claims discount rules<\/li>\n<\/ul>\n<\/div>\n<div id=\"w-node-_6387e342-6e9a-5ffb-ae1d-a3a8f0e3e51c-4712a9e4\">\n<h5 class=\"h5-black\">Cons<\/h5>\n<ul role=\"list\" class=\"cons\">\n<li class=\"con-list\">Multiple treatments share the same outpatient allowance<sup>3<\/sup><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p class=\"legal-text\">1. Outpatient mental health treatment subject to your chosen outpatient limit.<br \/>2. Subject to Bupa\u2019s covered conditions and underwriting terms.<br \/>3. Only applicable when an outpatient limit is applied.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-2\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-2\"><span class=\"accordion-heading\">How Bupa compares to other health insurance providers<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-2\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-2\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Here\u2019s how Bupa and its flagship private medical insurance compares against other top private health insurance providers and plans.<\/p>\n<h5>Bupa Direct Access<\/h5>\n<p>While some insurers allow self-referral for a short course of physio, or talking therapies, Bupa goes further with <strong>Bupa Direct Access<\/strong>. Go straight to Bupa if you\u2019re worried about cancer, mental health or need help with your muscle, bones or joints.<\/p>\n<h5>Mental health cover as standard<\/h5>\n<p>All Bupa By You plans include Mental Health cover, with the outpatient aspect limited by your chosen outpatient allowance. Uniquely, Bupa is the only insurer that says it <a href=\"https:\/\/www.bupa.co.uk\/health\/health-insurance\/mental-health#:~:text=We%20won%E2%80%99t%20leave%20you%20without%20support%20if%20a%20condition%20comes%20back%20or%20a%20new%20one%20develops.\">won\u2019t refuse mental health treatment<\/a> due to a previously covered condition recurring.<\/p>\n<h5>Dental care for all members<\/h5>\n<p>Most private health insurance plans offer cashback towards routine dental care at an additional cost. With Bupa By You, each policy member gets one appointment per year at a Bupa Dental Care centre plus an allowance of \u00a3300 for further dental care by default.<\/p>\n<h5>Improved no claims discount<\/h5>\n<p>Bupa now has some of the fairest rules in relation to how claims affect your no claims discount. Small claims of \u00a3300 or less have no impact, and you\u2019d need to claim over \u00a31,201 to fall the maximum three levels in a policy year.<\/p>\n<h5>Outpatient limit is limiting<\/h5>\n<p>The only significant drawback with Bupa\u2019s private health insurance is felt if you apply a limit to your <a href=\"https:\/\/www.mytribeinsurance.co.uk\/glossary\/outpatient\">outpatient<\/a> benefit. It&#8217;s a \u201ccombined\u201d allowance, so multiple treatments are deducted from it.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-3\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-3\"><span class=\"accordion-heading\">About Bupa<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-3\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-3\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Bupa is synonymous with private health insurance, along with having a network of dental practices, care homes, a private hospital and health centres too. While it&#8217;s perhaps the best-known health insurer in the UK, many don\u2019t realise that <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/bupa-health-insurance-review\">Bupa<\/a> doesn\u2019t have shareholders, and reinvests profits back into the business, for the benefit of members and employees.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-4\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-4\"><span class=\"accordion-heading\">Bupa customer reviews<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-4\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-4\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Bupa UK currently has a rating of 4.4\/5 from 32,465 reviews on <a href=\"https:\/\/uk.trustpilot.com\/review\/bupa.co.uk\" target=\"_blank\">Trustpilot<\/a> as of 13 May 2025, which according to the reviews platform, suggests customers think it is \u201cExcellent\u201d. What\u2019s encouraging isn\u2019t just the score but the volume of reviews, which indicates a consistently high level of customer service.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"w-embed\">\n<div class=\"provider-card_wrapper\"><a href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\" class=\"button yellow w-inline-block\"><\/p>\n<p>Compare Quotes<\/p>\n<p><\/a><link rel=\"prefetch\" href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\"\/>\n<div class=\"provider-card_details\">\n<div class=\"accordion_wrapper1\">\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"true\" aria-controls=\"accordion-panel-5\" class=\"custom-accordion_trigger1 is-button is-open\" id=\"accordion-button-5\"><span class=\"accordion-heading\">Pros and cons of WPA health insurance<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-5\" data-custom-accordion=\"content\" aria-hidden=\"false\" role=\"region\" class=\"custom-accordion_content1 is-open\" id=\"accordion-panel-5\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"list-wrapper\">\n<div id=\"w-node-_6e8b7362-a6ec-9079-f637-72fd1757713a-4712a9e4\">\n<h5 class=\"h5-black\">Pros<\/h5>\n<ul role=\"list\" class=\"pros-list w-list-unstyled\">\n<li class=\"pro-list\">Set individual limits for many benefits<\/li>\n<li class=\"pro-list\">Broad private consultant and hospital access<\/li>\n<li class=\"pro-list\">Good no claims discount terms<\/li>\n<li class=\"pro-list\">Flexible cash benefits<\/li>\n<li class=\"pro-list\">Self-refer for structured counselling<sup>1<\/sup><\/li>\n<\/ul>\n<\/div>\n<div id=\"w-node-_6e8b7362-a6ec-9079-f637-72fd1757714a-4712a9e4\">\n<h5 class=\"h5-black\">Cons<\/h5>\n<ul role=\"list\" class=\"cons\">\n<li class=\"con-list\">Harder to join after you turn 66<\/li>\n<li class=\"con-list\">Itemised options make it more complicated<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p class=\"legal-text\">1. Six sessions per year following assessment.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-6\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-6\"><span class=\"accordion-heading\">How WPA compares to other health insurance providers<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-6\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-6\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>WPA has several key differences versus other leading health insurers, as we explain here.<\/p>\n<h5>Separate benefits for personalised cover<\/h5>\n<p>Arguably, the best part of WPA\u2019s private health insurance (and the bit that makes it a little complicated) is how much control you get in configuring your plan. You have around 14 individual choices to precisely tailor your policy to your needs. It\u2019s a level of flexibility unmatched by any other private health insurance provider.<\/p>\n<h5>Outstanding customer reviews<\/h5>\n<p>WPA has had the best Trustpilot reviews of any of the health insurance companies in the UK for several years, with its average score continuously hovering between 4.6-.4.7 out of five. <\/p>\n<h5>Good, but not the best no claims discount structure<\/h5>\n<p>While not as strong as The Exeter\u2019s or Bupa\u2019s no claims discount rules (NCD), WPA\u2019s are still good. Claims under \u00a3250 see you move down one level on its 14-level, with anything over \u00a3750.01 seeing it slide by the maximum 3 levels.<\/p>\n<h5>Self-referred counselling and complementary therapies<\/h5>\n<p>WPA is one of the only providers to let you self-refer for structured counselling sessions (max six per year). In addition, if you opt for its \u201cTherapy\u201d extra, you can self-refer for up to four sessions with a physio, chiropractor or osteopath, up to your chosen limit. <\/p>\n<h5>Joining is harder over 66<\/h5>\n<p>WPA makes it a bit more difficult for people to join after their 66th birthdays, only allowing full medical underwriting and stipulating you need a minimum <a href=\"https:\/\/www.mytribeinsurance.co.uk\/glossary\/health-insurance-excess\">policy excess<\/a> of \u00a3500. Like all private health insurance companies, you can stay with WPA up to any age, so this only affects those wishing to join.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-7\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-7\"><span class=\"accordion-heading\">About WPA<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-7\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-7\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p><a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/wpa-health-insurance-review\">WPA<\/a> is a non-profit organisation that provides health insurance, cash plans and nothing else. They&#8217;ve been supporting members since 1901 and pride themselves on offering freedom to choose when, where and who provides your treatment.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-8\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-8\"><span class=\"accordion-heading\">WPA customer reviews<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-8\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-8\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>WPA currently has the best <a href=\"https:\/\/uk.trustpilot.com\/review\/www.wpa.org.uk\" target=\"_blank\">Trustpilot<\/a> ratings of any provider in our private health insurance review. It scores an impressive 4.6\/5 from 4,066 reviews and is rated \u201cExcellent\u201d as of 13 May 2025. WPA only provides health insurance and cash plans, making its reviews relevant. Customers frequently praise WPA, saying it is &#8220;quick to respond&#8221;, &#8220;keep you informed&#8221;, &#8220;is always prompt&#8221; and is &#8220;incredibly supportive&#8221;.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"w-embed\">\n<div class=\"provider-card_wrapper\"><a href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\" class=\"button yellow w-inline-block\"><\/p>\n<p>Compare Quotes<\/p>\n<p><\/a><link rel=\"prefetch\" href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\"\/>\n<div class=\"provider-card_details\">\n<div class=\"accordion_wrapper1\">\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"true\" aria-controls=\"accordion-panel-9\" class=\"custom-accordion_trigger1 is-button is-open\" id=\"accordion-button-9\"><span class=\"accordion-heading\">Pros and cons of The Exeter health insurance<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-9\" data-custom-accordion=\"content\" aria-hidden=\"false\" role=\"region\" class=\"custom-accordion_content1 is-open\" id=\"accordion-panel-9\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"list-wrapper\">\n<div id=\"w-node-_99ebef35-cea3-9ffc-1e97-7c6cbc482bb4-4712a9e4\">\n<h5 class=\"h5-black\">Pros<\/h5>\n<ul role=\"list\" class=\"pros-list w-list-unstyled\">\n<li class=\"pro-list\">Small-claims<sup>1<\/sup> won\u2019t affect your no claims discount<\/li>\n<li class=\"pro-list\">The choice to separate your outpatient benefits<\/li>\n<li class=\"pro-list\">Excellent core product and coverage<\/li>\n<li class=\"pro-list\">Access to health specialists via its HealthWise app<\/li>\n<li class=\"pro-list\">Optional benefits don\u2019t draw on your outpatient allowance<\/li>\n<\/ul>\n<\/div>\n<div id=\"w-node-_99ebef35-cea3-9ffc-1e97-7c6cbc482bc5-4712a9e4\">\n<h5 class=\"h5-black\">Cons<\/h5>\n<ul role=\"list\" class=\"cons\">\n<li class=\"con-list\">No option for cash back towards dentist or optician fees<\/li>\n<li class=\"con-list\">You can\u2019t join after your 80th birthday<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p class=\"legal-text\">1. Claims under \u00a3300 see you stay at the same discount level<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-10\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-10\"><span class=\"accordion-heading\">How The Exeter compares to other health insurance providers<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-10\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-10\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>This section outlines the key ways Exeter differs from other leading private health insurers.<\/p>\n<h5>Fairness and clarity<\/h5>\n<p>The Exeter Health+ stands out when it comes to the fairness and clarity of its product information. For example, the decision between <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/what-is-guided-consultants-in-health-insurance\">guided consultants<\/a>, which restricts your treatment options in return for a lower premium, and a traditional hospital list is <strong>flagged first<\/strong> on its website, where many others leave this until last.<\/p>\n<h5>Precision underwriting<\/h5>\n<p>We&#8217;ve heard anecdotally from several private health insurance brokers that The Exeter is very precise with its underwriting, often excluding less than others. It also <a href=\"https:\/\/dyn.the-exeter.com\/download\/brochure?code=HP-UWG&amp;_gl=1*1ya1qpw*_gcl_au*Mjk0NzA5OTEwLjE3MzkxNzY4Njk.*_ga*Nzk5MjY3ODQ0LjE3MzkxNzY4Njg.*_ga_J7BTB0EV31*MTc0MDczNTk4MC45LjAuMTc0MDczNTk4NC41Ni4wLjA.\" target=\"_blank\">publicises precisely<\/a> how its underwriting team will treat a range of conditions, which is fantastic transparency.<\/p>\n<h5>Market-leading no claims discount<\/h5>\n<p>Having looked at <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/how-claims-affect-your-health-insurance-ncd-and-premium#:~:text=The%20Exeter%20Health%2B%20No%20Claims%20Discount%20levels%20explained\">all the insurers&#8217; no claims discounts<\/a> in detail, we believe The Exeter has the best structure, that&#8217;s the most appealing for those looking to control their premiums. With The Exeter, claims under \u00a3300 won&#8217;t affect your no claims discount, and you&#8217;d need to claim over \u00a32,000 in a policy year to fall the maximum three NCD levels.<\/p>\n<h5>Flexible outpatient benefits<\/h5>\n<p>The Exeter&#8217;s outpatient benefits are flexible, more so than Bupa\u2019s but less than WPA\u2019s. What we particularly like is that you can choose between a combined outpatient limit or separate specialist consultations from diagnostics, with mental health cover and complementary therapies separate too.<\/p>\n<h5>Healthwise app is packed with value<\/h5>\n<p>Most insurers have apps for claims management and alike, but The Exeter&#8217;s goes further and offers significant additional value for members. Alongside accessing The Exeter\u2019s remote GP through the app, you also get up to six video sessions with a physiotherapist, mental health therapist, dietitian, and more.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-11\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-11\"><span class=\"accordion-heading\">About The Exeter<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-11\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-11\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>The Exeter has mutual status, which means it is owned by its members (customers) and, without shareholders, can re-invest profits to benefit members and advisers. Alongside its health insurance products, <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/the-exeter-health-insurance-review\">The Exeter<\/a> also offers life and income protection insurance.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-12\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-12\"><span class=\"accordion-heading\">The Exeter customer reviews<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-12\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-12\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>The Exeter currently has a rating of 4.1 out of 5 on <a href=\"https:\/\/uk.trustpilot.com\/review\/www.the-exeter.com\" target=\"_blank\">Trustpilot<\/a> from over 1,054 reviews as of 13 May 2025. The Exeter provides life insurance and income protection too, so visiting its profile and filtering the reviews with the word \u201chealth\u201d or similar, should give you a better understanding of its customers&#8217; views of that product.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"w-embed\">\n<div class=\"provider-card_wrapper\"><a href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\" class=\"button yellow w-inline-block\"><\/p>\n<p>Compare Quotes<\/p>\n<p><\/a><link rel=\"prefetch\" href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\"\/>\n<div class=\"provider-card_details\">\n<div class=\"accordion_wrapper1\">\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"true\" aria-controls=\"accordion-panel-13\" class=\"custom-accordion_trigger1 is-button is-open\" id=\"accordion-button-13\"><span class=\"accordion-heading\">Pros and cons of Vitality health insurance<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-13\" data-custom-accordion=\"content\" aria-hidden=\"false\" role=\"region\" class=\"custom-accordion_content1 is-open\" id=\"accordion-panel-13\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"list-wrapper\">\n<div id=\"w-node-b0b60db1-3746-70e4-da89-f527b4ff3552-4712a9e4\">\n<h5 class=\"h5-black\">Pros<\/h5>\n<ul role=\"list\" class=\"pros-list w-list-unstyled\">\n<li class=\"pro-list\">Vitality Programme rewards healthier living<\/li>\n<li class=\"pro-list\">Choice of combined or separate outpatient limits<\/li>\n<li class=\"pro-list\">Cover for specific weight loss surgeries<\/li>\n<li class=\"pro-list\">Includes some physio and talking therapies<sup>1<\/sup><\/li>\n<li class=\"pro-list\">Up to \u00a3100 per year towards prescriptions and minor tests<sup>2<\/sup><\/li>\n<\/ul>\n<\/div>\n<div id=\"w-node-b0b60db1-3746-70e4-da89-f527b4ff3564-4712a9e4\">\n<h5 class=\"h5-black\">Cons<\/h5>\n<ul role=\"list\" class=\"cons\">\n<li class=\"con-list\">Lack of activity can impact premiums<\/li>\n<li class=\"con-list\">Doesn\u2019t include a no claims discount<\/li>\n<li class=\"con-list\">Terms around recurring mental health conditions<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p class=\"legal-text\">1. Up to 6 sessions of physiotherapy per plan year within Vitality\u2019s network of providers. Up to 8 sessions of cognitive behavioural therapy or counselling within its Talking Therapies network.<br \/>2. Per plan year, for private prescriptions and minor diagnostic tests.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-14\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-14\"><span class=\"accordion-heading\">How Vitality compares to other health insurance providers<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-14\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-14\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Vitality is quite different to the other leading private health insurers we\u2019ve covered, this section explains more. <\/p>\n<h5>Be rewarded for looking after yourself<\/h5>\n<p>Vitality\u2019s innovative approach to private medical insurance is centred on the belief that healthy members benefit everyone. To achieve that, Vitality has a programme that rewards those who keep active through a variety of discounts and perks. <\/p>\n<p>In addition, your <strong>Vitality Status<\/strong>, which is determined by how many points you earn, impacts your health insurance renewal premiums. In Spring 2025, Vitality is rolling out further <a href=\"https:\/\/www.vitality.co.uk\/media\/evolution-of-vitality-programme-with-launch-of-pick-and-play\/\" target=\"_blank\">improvements to its programme<\/a>, so watch this space.<\/p>\n<p>Bear in mind that if you don\u2019t engage, you may not get rewards and your health insurance premiums could be impacted too. Read <a href=\"https:\/\/www.vitality.co.uk\/support\/vitality-programme\/how-vitality-works\/\" target=\"_blank\">how the Vitality Programme works<\/a>.<\/p>\n<h5>Self-referred physiotherapy and talking therapies<\/h5>\n<p>Another differentiator with Vitality is that even without opting for its mental health cover or therapies cover, you&#8217;re able to have six sessions of physiotherapy and some counselling\/cognitive behaviour therapy (inside its network of providers).<\/p>\n<h5>You can separate your outpatient benefits<\/h5>\n<p>Vitality allows you to apply a limit to your outpatient cover and separate specialist consultations from diagnostic tests by opting for <strong>Full Cover for Diagnostics<\/strong>. Something to note, physiotherapy that isn\u2019t arranged through its Priority Physio network will draw from your chosen outpatient limit.<\/p>\n<h5>Terms around recurring mental health conditions are vague<\/h5>\n<p>Vitality&#8217;s terms around recurring or ongoing mental health conditions, which are similar to many we\u2019ve reviewed, say that recurring mental health conditions may become <a href=\"https:\/\/www.mytribeinsurance.co.uk\/glossary\/chronic-medical-condition\">chronic<\/a> and subsequently excluded. Unfortunately there\u2019s nothing to say when that might happen.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-15\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-15\"><span class=\"accordion-heading\">About Vitality<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-15\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-15\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Vitality Health and Life has brought a fresh approach to insurance since it landed on UK shores in 2004. Its focus on promoting healthier lifestyles sets <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/vitality-health-insurance-review\">Vitality<\/a> apart from traditional insurers. The brand is easily recognised thanks to its distinctive pink livery and chippy Dachshund mascot, Stanley.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-16\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-16\"><span class=\"accordion-heading\">Vitality customer reviews<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-16\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-16\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Vitality is rated 4.4\/5 on <a href=\"https:\/\/uk.trustpilot.com\/review\/vitality.co.uk\" target=\"_blank\">Trustpilot<\/a>, based on 52,520 reviews (as of 13 May 2025), which earns it \u201cExcellent\u201d status. However, these reviews cover all Vitality&#8217;s services, not just its health insurance. Since it is not clear which reviews relate to private health insurance, you may prefer to visit Trustpilot to read the feedback for yourself.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"w-embed\">\n<div class=\"provider-card_wrapper\"><a href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\" class=\"button yellow w-inline-block\"><\/p>\n<p>Compare Quotes<\/p>\n<p><\/a><link rel=\"prefetch\" href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\"\/>\n<div class=\"provider-card_details\">\n<div class=\"accordion_wrapper1\">\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"true\" aria-controls=\"accordion-panel-17\" class=\"custom-accordion_trigger1 is-button is-open\" id=\"accordion-button-17\"><span class=\"accordion-heading\">Pros and cons of Axa health insurance<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-17\" data-custom-accordion=\"content\" aria-hidden=\"false\" role=\"region\" class=\"custom-accordion_content1 is-open\" id=\"accordion-panel-17\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"list-wrapper\">\n<div id=\"w-node-_7a9a6d9d-3300-866e-f882-7a18b495d7cf-4712a9e4\">\n<h5 class=\"h5-black\">Pros<\/h5>\n<ul role=\"list\" class=\"pros-list w-list-unstyled\">\n<li class=\"pro-list\">Unlimited specialist referred diagnostics with standard outpatient cover<\/li>\n<li class=\"pro-list\">Separate benefits for complementary therapies and mental health treatment<\/li>\n<li class=\"pro-list\">Cover for specialist-referred oral surgery<\/li>\n<li class=\"pro-list\">Optional benefit for face-to-face GP consultations<\/li>\n<li class=\"pro-list\">No limit on outpatient therapies (add-on)<\/li>\n<\/ul>\n<\/div>\n<div id=\"w-node-_7a9a6d9d-3300-866e-f882-7a18b495d7dd-4712a9e4\">\n<h5 class=\"h5-black\">Cons<\/h5>\n<ul role=\"list\" class=\"cons\">\n<li class=\"con-list\">Claims<sup>1<\/sup> of all sizes have the same impact on your no claims discount<\/li>\n<li class=\"con-list\">Terms around recurring mental health conditions<\/li>\n<li class=\"con-list\">Over 74 year olds can\u2019t join<\/li>\n<li class=\"con-list\">Complicated product range and documents<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p class=\"legal-text\">1. Claims less than your excess amount and cash benefits won\u2019t affect your no claims discount.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-18\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-18\"><span class=\"accordion-heading\">How Axa Health compares to other health insurance providers<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-18\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-18\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<h5>Unlimited specialist referred diagnostics<\/h5>\n<p>Even with its Standard outpatient benefit, you\u2019ll get <strong>unlimited<\/strong> specialist referred <a href=\"https:\/\/www.mytribeinsurance.co.uk\/glossary\/diagnostic-test\">diagnostic tests<\/a>. This isn\u2019t the case with others, who often include complex diagnostic scans in their core products but not much more.<\/p>\n<h5>Private GP access if you opt for Extended Cover<\/h5>\n<p>Like most health insurance companies, Axa Health includes a virtual <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/private-gp-insurance\">private GP service<\/a> in its core product. However, it goes one step further with an additional option that gives you up to \u00a3500 towards private GP fees. It requires you to opt for its Extended Cover Option, but still, it&#8217;s a good inclusion.<\/p>\n<h5>Small claims impact your no claims discount<\/h5>\n<p>Unlike others, who distinguish between the value of a claim and the number of levels you fall on their <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/how-claims-affect-your-health-insurance-ncd-and-premium\">no claims discount scale<\/a>, Personal Health doesn&#8217;t. It means whether it pays out \u00a31 in a policy year or \u00a350,000, you\u2019ll fall a full three levels. Granted, it has a few more levels on its scale than others, but not that many more.<\/p>\n<h5>Excess payments are deducted from benefit limits<\/h5>\n<p>In contrast to most private health insurance plans, with Personal Health, if you set a limit on a benefit such as your outpatient cover, and have an excess, the treatment cost is deducted from your allowance <strong>before<\/strong> your excess. <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-19\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-19\"><span class=\"accordion-heading\">About Axa Health<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-19\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-19\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Axa Health was established in 2020 when three brands: <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/axa-ppp-healthcare\">Axa PPP Healthcare<\/a>, Health-on-Line, and Axa ICAS Limited, merged, specialising in offering health insurance. It is part of the AXA Group, one of the largest insurance organisations in the world.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-20\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-20\"><span class=\"accordion-heading\">Axa Health customer reviews<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-20\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-20\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Axa Health has a 4.1\/5 <a href=\"https:\/\/uk.trustpilot.com\/review\/axahealth.co.uk\" target=\"_blank\">Trustpilot<\/a> rating from 13,880 reviews (as at 2 April 2025), all of which relate to its private health insurance. Its customers have generally praised its comprehensive policies and welcomed its professional service, but some reviews have criticised its online chat and app, and others mention claims delays.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"w-embed\">\n<div class=\"provider-card_wrapper\"><a href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\" class=\"button yellow w-inline-block\"><\/p>\n<p>Compare Quotes<\/p>\n<p><\/a><link rel=\"prefetch\" href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\"\/>\n<div class=\"provider-card_details\">\n<div class=\"accordion_wrapper1\">\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"true\" aria-controls=\"accordion-panel-21\" class=\"custom-accordion_trigger1 is-button is-open\" id=\"accordion-button-21\"><span class=\"accordion-heading\">Pros and cons of Freedom health insurance<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-21\" data-custom-accordion=\"content\" aria-hidden=\"false\" role=\"region\" class=\"custom-accordion_content1 is-open\" id=\"accordion-panel-21\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"list-wrapper\">\n<div id=\"w-node-_451d327f-8979-2bf2-eba9-4ce12ed00f8f-4712a9e4\">\n<h5 class=\"h5-black\">Pros<\/h5>\n<ul role=\"list\" class=\"pros-list w-list-unstyled\">\n<li class=\"pro-list\">Inpatient and day patient cover levels<\/li>\n<li class=\"pro-list\">Broad consultant and hospital access<\/li>\n<li class=\"pro-list\">Separate alternative therapies and mental health benefits<\/li>\n<li class=\"pro-list\">\u00a3300 for private GP consultations (add-on)<\/li>\n<\/ul>\n<\/div>\n<div id=\"w-node-_451d327f-8979-2bf2-eba9-4ce12ed00f9d-4712a9e4\">\n<h5 class=\"h5-black\">Cons<\/h5>\n<ul role=\"list\" class=\"cons\">\n<li class=\"con-list\">Outpatient physiotherapy shares outpatient limit<\/li>\n<li class=\"con-list\">No GP referred complex scans<\/li>\n<li class=\"con-list\">Mental health terms suggest longer-term treatment may not covered<\/li>\n<li class=\"con-list\">You can\u2019t join beyond 70 years of age<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-22\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-22\"><span class=\"accordion-heading\">How Freedom compares to other health insurance providers<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-22\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-22\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Freedom offers several unique benefits, in this section, we outline the biggest differences from its competitors.<\/p>\n<h5>Changes to renewal pricing in 2025<\/h5>\n<p>As of March 2025, we were informed that Freedom has discontinued its community-rated product. Renewal premiums are now determined on an individual basis, taking into account a range of personal factors. While this shift has resulted in notable premium increases for some members, the data we\u2019ve reviewed from Freedom suggests that only a small proportion of policyholders have been significantly affected.<\/p>\n<h5>Close to unrestricted consultant access<\/h5>\n<p>Unlike many of its competitors, Freedom doesn&#8217;t offer a guided consultant option. You get a <a href=\"https:\/\/www.mytribeinsurance.co.uk\/glossary\/hospital-list\">traditional hospital list<\/a> by default, and consultant access is only limited by a fee schedule. It\u2019s similar to WPA, and an aspect of Freedom\u2019s health insurance we particularly like.<\/p>\n<h5>Premiums aren\u2019t location-based<\/h5>\n<p>Freedom is the only insurer we&#8217;ve looked at in our research that <strong>doesn&#8217;t set premiums based on your postcode<\/strong>, it has a flat rate based on your age for the whole UK. This can mean that it prices well in traditionally expensive cities but, equally, might not be as strong outside of those.<\/p>\n<h5>Mixed feelings on mental health<\/h5>\n<p>Freedom Elite&#8217;s mental health option includes up to 45 days of specialist treatment as an inpatient or day patient and up to \u00a32,000 towards outpatient treatment, which is excellent. However, it won\u2019t cover \u201c<strong>expected responses<\/strong>\u201d to a particular life event, and its terms state that it only covers <a href=\"https:\/\/www.mytribeinsurance.co.uk\/glossary\/acute-medical-condition\">acute conditions<\/a>, which hints at what we\u2019ve seen elsewhere, with recurring conditions potentially being reclassified as chronic. \u00a0<\/p>\n<h5>Cover for dental, optical and private GP costs<\/h5>\n<p>Freedom includes some cover for private GP appointments, with a limit of \u00a3300 per policy year, if you take its Private GP, Dental and Optical option. It\u2019s a good inclusion, as we know how hard people have been finding it to see their NHS GP.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-23\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-23\"><span class=\"accordion-heading\">About Freedom Health Insurance<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-23\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-23\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Founded in 2003 and based in Poole, <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/freedom-health-insurance-review\">Freedom Health Insurance<\/a> is a relatively new entrant to the UK health insurance market. A family-run company it solely focuses on providing flexible and tailored private health insurance plans to individuals and businesses.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-24\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-24\"><span class=\"accordion-heading\">Freedom customer reviews<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-24\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-24\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Freedom has the lowest number of reviews of any providers we&#8217;ve covered in this article, making it difficult to draw conclusions about its customer feedback. That said, the reviews platform <a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/freedom-health-insurance\" target=\"_blank\">Feefo<\/a> is where the bulk of them are found, with Freedom having a score of 4.6 out of 5 from 178 customer reviews (as of 13 May 2025). According to Feefo only 14 of those have been collected in the past year.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"w-embed\">\n<div class=\"provider-card_wrapper\"><a href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\" class=\"button yellow w-inline-block\"><\/p>\n<p>Compare Quotes<\/p>\n<p><\/a><link rel=\"prefetch\" href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\"\/>\n<div class=\"provider-card_details\">\n<div class=\"accordion_wrapper1\">\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"true\" aria-controls=\"accordion-panel-25\" class=\"custom-accordion_trigger1 is-button is-open\" id=\"accordion-button-25\"><span class=\"accordion-heading\">Pros and cons of General &amp; Medical health insurance<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-25\" data-custom-accordion=\"content\" aria-hidden=\"false\" role=\"region\" class=\"custom-accordion_content1 is-open\" id=\"accordion-panel-25\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"list-wrapper\">\n<div id=\"w-node-_0d344263-8b17-aef6-1feb-8af8ec084268-4712a9e4\">\n<h5 class=\"h5-black\">Pros<\/h5>\n<ul role=\"list\" class=\"pros-list w-list-unstyled\">\n<li class=\"pro-list\">Inpatient and day patient cover levels<\/li>\n<li class=\"pro-list\">Guided option or traditional hospital list<\/li>\n<li class=\"pro-list\">Cover for two pre-existing conditions (add-on)<sup>1<\/sup><\/li>\n<li class=\"pro-list\">Critical illness cash benefit<\/li>\n<li class=\"pro-list\">Personal accident cash benefit<\/li>\n<\/ul>\n<\/div>\n<div id=\"w-node-_0d344263-8b17-aef6-1feb-8af8ec084278-4712a9e4\">\n<h5 class=\"h5-black\">Cons<\/h5>\n<ul role=\"list\" class=\"cons\">\n<li class=\"con-list\">Renewal premiums set individually<\/li>\n<li class=\"con-list\">Several benefits subject to qualifying period<\/li>\n<li class=\"con-list\">Can\u2019t join beyond your 75th birthday<\/li>\n<li class=\"con-list\">Terms around recurring mental health conditions<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p class=\"legal-text\">1. Limited to \u00a31,000 per condition per policy year. Upgrade only available for a list of 14 pre-defined conditions.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-26\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-26\"><span class=\"accordion-heading\">How General &amp; Medical compares to other providers<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-26\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-26\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>General &amp; Medical&#8217;s Lifestyle product covers everything you might expect, plus several unique extras we haven&#8217;t seen elsewhere, and some aspects we aren\u2019t as keen on, here\u2019s how they compare.<\/p>\n<h5>Unique cash benefits<\/h5>\n<p>Alongside the strong private medical treatment coverage levels, General &amp; Medical&#8217;s (G&amp;M&#8217;s) Lifestyle plan includes several cash benefits we&#8217;ve not seen elsewhere. For example, there&#8217;s a cash benefit if a policyholder suffers a personal accident, there&#8217;s another for the death of a policyholder, and one for critical illness, too. <\/p>\n<h5>Option to cover two pre-existing conditions<\/h5>\n<p>With its Pre-Existing Condition Upgrade, you <strong>can<\/strong> get cover for two pre-existing medical conditions that would otherwise be excluded. This benefit is only available for a <a href=\"https:\/\/www.generalandmedical.com\/private-health-insurance\/options\/pre-existing-conditions\/\" target=\"_blank\">prescribed list of 14<\/a> medical conditions, and you&#8217;ll get an annual limit of \u00a31,000 of treatments for each of the two you add.<\/p>\n<h5>Renewal premiums set individually<\/h5>\n<p>G&amp;M takes a different approach to calculating your renewal premiums and does it individually for each member. There isn&#8217;t a no claims discount, so it<strong> looks at your claims history for the past two years<\/strong>, alongside other market data and your increase in age, to price your quote. We\u2019ve seen some example renewal data from G&amp;M, but not enough to completely put our minds at rest with this approach.<\/p>\n<h5>Several benefits are subject to a qualifying period<\/h5>\n<p>General &amp; Medical set specific qualifying periods for various benefits and treatments. For example, you can&#8217;t claim for cancer in the first 90 days, even if it wasn&#8217;t <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/health-insurance-with-pre-existing-medical-conditions\">pre-existing<\/a>. Enhanced mental health has a qualifying period of six months before you can claim, and even your dental, optical, and audio cash benefits have the same period. <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-27\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-27\"><span class=\"accordion-heading\">About General &amp; Medical<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-27\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-27\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>General &amp; Medical was established in the 1980s, initially providing financial services to the medical profession. The company has expanded its scope and now offers both insured and non-insured private healthcare schemes to businesses, families, individuals and affinity groups.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-28\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-28\"><span class=\"accordion-heading\">General &amp; Medical customer reviews<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-28\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-28\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>General &amp; Medical is rated 4.2 out of 5 on <a href=\"https:\/\/uk.trustpilot.com\/review\/www.generalandmedical.com\" target=\"_blank\">Trustpilot <\/a>based on 310 customer reviews (as of 13 May 2025). Many customers commend its &#8220;professional&#8221; and &#8220;friendly&#8221; service, but some one-star reviews are much less happy with its claims process. The mixed nature of the health insurance reviews and the relatively low volume mean it&#8217;s a good idea to check them out on Trustpilot so that you can form your own opinion.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"w-embed\">\n<div class=\"provider-card_wrapper\"><a href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\" class=\"button yellow w-inline-block\"><\/p>\n<p>Compare Quotes<\/p>\n<p><\/a><link rel=\"prefetch\" href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\"\/>\n<div class=\"provider-card_details\">\n<div class=\"accordion_wrapper1\">\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"true\" aria-controls=\"accordion-panel-29\" class=\"custom-accordion_trigger1 is-button is-open\" id=\"accordion-button-29\"><span class=\"accordion-heading\">Pros and cons of Aviva health insurance<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-29\" data-custom-accordion=\"content\" aria-hidden=\"false\" role=\"region\" class=\"custom-accordion_content1 is-open\" id=\"accordion-panel-29\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"list-wrapper\">\n<div id=\"w-node-_15027280-897d-b30d-f0ac-9338b5f56091-4712a9e4\">\n<h5 class=\"h5-black\">Pros<\/h5>\n<ul role=\"list\" class=\"pros-list w-list-unstyled\">\n<li class=\"pro-list\">Excellent cover by default, with options to reduce or increase benefits<\/li>\n<li class=\"pro-list\">Small claims<sup>1<\/sup> won\u2019t affect your no claims discount (NCD)<sup>2<\/sup><\/li>\n<li class=\"pro-list\">Specialist referred therapies included<\/li>\n<li class=\"pro-list\">No upper age limit for new members<\/li>\n<li class=\"pro-list\">Strong cancer cover levels<\/li>\n<\/ul>\n<\/div>\n<div id=\"w-node-_15027280-897d-b30d-f0ac-9338b5f560a4-4712a9e4\">\n<h5 class=\"h5-black\">Cons<\/h5>\n<ul role=\"list\" class=\"cons\">\n<li class=\"con-list\">Combined outpatient benefit when limit applied<\/li>\n<li class=\"con-list\">Claims over \u00a3250.01 see you drop three NCD levels<sup>2<\/sup><\/li>\n<li class=\"con-list\">Mental health conditions can be re-classified as chronic<\/li>\n<li class=\"con-list\">Applying outpatient limit affects some inpatient\/day-patient benefits<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p class=\"legal-text\">1. If Aviva pays claims of \u00a3250 or less in a policy year, your no claims discount is unaffected.<br \/>2. Some claims, such as for cash benefits or GP-referred speech therapy, don\u2019t affect your NCD.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-30\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-30\"><span class=\"accordion-heading\">How Aviva compares to other health insurance providers<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-30\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-30\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Aviva\u2019s Healthier Solution has plenty of differences to other top private health insurers and plans, here\u2019s some of the key ones. <\/p>\n<h5>Unlimited outpatient benefit in the core product<\/h5>\n<p>Aviva stands out as being one of the only providers to include unlimited outpatient cover in its core product and then allow you to reduce or remove it entirely. It\u2019s great that Aviva is pushing such comprehensive private health insurance, albeit it can make comparing its product against others more difficult.<\/p>\n<h5>Restrictive combined outpatient limit (optional)<\/h5>\n<p>When you have unlimited outpatient cover with Aviva, there\u2019s not much to worry about. However, if you apply a limit to help manage premiums, it has several effects. Firstly, multiple treatment types share the same benefit (similar to Bupa), potentially leading to it being used quickly. What\u2019s less expected, is that applying a limit on your outpatient benefit, also affects some of your <strong>inpatient and day patient benefits<\/strong>. Namely, complications of pregnancy\/childbirth and surgical procedures on teeth.<\/p>\n<h5>Three strikes rule on mental health claims<\/h5>\n<p>Sadly, and similarly to most bar Bupa, Aviva stipulates in its terms and conditions that recurring mental health conditions can become chronic and cover withdrawn. Unlike others who don\u2019t explain how or when this might happen, Aviva does, saying if you claim for the <strong>same mental health condition in three policy years<\/strong>, it\u2019ll be classed as chronic thereafter. <\/p>\n<h5>Claims of \u00a3250.01 or more have equal impact on your NCD<\/h5>\n<p>Aviva is by no means the worst with its NCD terms, with claims of \u00a3250 or less seeing you stay at the same level. However, anything over that sees you drop by three levels on its scale, which isn\u2019t as good as the top three in this review.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-31\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-31\"><span class=\"accordion-heading\">About Aviva<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-31\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-31\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>With over 320 years of experience in the insurance market, <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/aviva-health-insurance-review\">Aviva<\/a> is one of the UK&#8217;s leading insurers. It offers a wide range of financial services, from insurance and investments to retirement planning and private medical insurance.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-32\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-32\"><span class=\"accordion-heading\">Aviva customer reviews<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-32\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-32\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Aviva holds a rating of 4.3\/5 on <a href=\"https:\/\/uk.trustpilot.com\/review\/www.aviva.co.uk\" target=\"_blank\">Trustpilot<\/a>, based on 46,823 reviews (as of 13 May 2025). However, these reviews cover Aviva&#8217;s entire range of products and services. Where feedback relates to Aviva&#8217;s private health insurance, reviews are mixed. If customer reviews are a key factor for you, we recommend visiting its Trustpilot profile and filtering the results using relevant keywords such as &#8220;health&#8221; to focus specifically on feedback from private health insurance customers.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"w-embed\">\n<div class=\"provider-card_wrapper\"><a href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\" class=\"button yellow w-inline-block\"><\/p>\n<p>Compare Quotes<\/p>\n<p><\/a><link rel=\"prefetch\" href=\"https:\/\/www.mytribeinsurance.co.uk\/compare-health-insurance\"\/>\n<div class=\"provider-card_details\">\n<div class=\"accordion_wrapper1\">\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"true\" aria-controls=\"accordion-panel-33\" class=\"custom-accordion_trigger1 is-button is-open\" id=\"accordion-button-33\"><span class=\"accordion-heading\">Pros and cons of National Friendly health insurance<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-33\" data-custom-accordion=\"content\" aria-hidden=\"false\" role=\"region\" class=\"custom-accordion_content1 is-open\" id=\"accordion-panel-33\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"list-wrapper\">\n<div id=\"w-node-_82319c96-eda8-33eb-d28f-9f211d791cf7-4712a9e4\">\n<h5 class=\"h5-black\">Pros<\/h5>\n<ul role=\"list\" class=\"pros-list w-list-unstyled\">\n<li class=\"pro-list\">Simple choice of four cover levels<\/li>\n<li class=\"pro-list\">Guided option or traditional hospital list<\/li>\n<li class=\"pro-list\">Good overall cover levels<\/li>\n<li class=\"pro-list\">Claims shouldn\u2019t affect renewal premiums in the first five years<\/li>\n<\/ul>\n<\/div>\n<div id=\"w-node-_82319c96-eda8-33eb-d28f-9f211d791d03-4712a9e4\">\n<h5 class=\"h5-black\">Cons<\/h5>\n<ul role=\"list\" class=\"cons\">\n<li class=\"con-list\">Limited flexibility beyond your plan choice<\/li>\n<li class=\"con-list\">Combined outpatient limit<\/li>\n<li class=\"con-list\">Complicated policy documents<\/li>\n<li class=\"con-list\">Unclear renewal terms<\/li>\n<li class=\"con-list\">Can\u2019t join if you\u2019re over 85<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-34\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-34\"><span class=\"accordion-heading\">How National Friendly compares to other health insurance providers<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-34\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-34\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>As the final provider to make our top ten, National Friendly introduces an entirely different way of doing things. In truth, there are many differences between My PMI and other leading health insurers, but we\u2019ll focus on the ones we feel are most important.<\/p>\n<h5>Simple choice of four plans<\/h5>\n<p>We have to admit there is a need to simplify health insurance. The various approaches, dissimilar products, and wildly different terms and conditions make it a minefield. We applaud National Friendly for attempting to achieve simplicity by bundling cover options into four packages. However, as it\u2019s quite different from most others, we think it has the opposite effect to what is intended. In addition, its policy documents are very hard to digest, which complicates what should be a simple solution<\/p>\n<h5>Unique approach to renewals<\/h5>\n<p>National Friendly\u2019s approach to renewal pricing is completely different to the rest of the market and can be described as a hybrid between community and claims rated policies. When you sign up with National Friendly, you\u2019re agreeing to a five-year contract, and it\u2019s only at the end of that contract they will look at your claims and other information to provide you with an offer for a further five years. Alongside the five-year review, <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/what-are-health-insurance-premiums\">premiums for plans<\/a> are reviewed each year, but from what we understand, this works similarly to a community rating in that your claims shouldn\u2019t play a role in what you pay the year after. <\/p>\n<h5>Good cover levels<\/h5>\n<p>The cover levels in My PMI levels three and four are strong, but some limitations are similar to those we&#8217;ve reviewed here. For example, with level three, despite choosing between a generous \u00a32,500 or \u00a35,000 in outpatient cover, it&#8217;s a combined limit, which includes complex scans such as CTs, PET and MRIs (as a reminder, most other insurers don&#8217;t limit these). There&#8217;s also limited cover for complementary therapies and no option for mental health cover.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-35\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-35\"><span class=\"accordion-heading\">About National Friendly<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-35\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-35\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>Originally established in 1868 as a friendly society, National Friendly has evolved to offer a variety of insurance products, including private medical insurance. As a mutual society, it operates with a member-first approach, reinvesting profits back into the business to benefit its customers.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion_basic1 has-line\">\n<h4 class=\"accordion_heading1 is-h4\"><button data-custom-accordion=\"trigger\" aria-expanded=\"false\" aria-controls=\"accordion-panel-36\" class=\"custom-accordion_trigger1 is-button\" id=\"accordion-button-36\"><span class=\"accordion-heading\">National Friendly customer reviews<\/span><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\" fill=\"none\" data-custom-accordion=\"close\" aria-hidden=\"true\" focusable=\"false\" class=\"custom-accordion_icon1\"><path d=\"M25.3333 15.667V16.3336C25.3333 16.7018 25.0349 17.0003 24.6667 17.0003H17V24.667C17 25.0351 16.7015 25.3336 16.3333 25.3336H15.6667C15.2985 25.3336 15 25.0351 15 24.667V17.0003H7.3333C6.96511 17.0003 6.66663 16.7018 6.66663 16.3336V15.667C6.66663 15.2988 6.96511 15.0003 7.3333 15.0003H15V7.33365C15 6.96546 15.2985 6.66699 15.6667 6.66699H16.3333C16.7015 6.66699 17 6.96546 17 7.33365V15.0003H24.6667C25.0349 15.0003 25.3333 15.2988 25.3333 15.667Z\" fill=\"currentColor\"\/><\/svg><\/button><\/h4>\n<div aria-labelledby=\"accordion-button-36\" data-custom-accordion=\"content\" aria-hidden=\"true\" role=\"region\" class=\"custom-accordion_content1\" id=\"accordion-panel-36\">\n<div class=\"custom-accordion_hidden1\">\n<div class=\"margin-bottom margin-small\">\n<div class=\"w-richtext\">\n<p>National Friendly has the lowest customer rating among the private medical insurance providers we reviewed, with a <a href=\"https:\/\/uk.trustpilot.com\/review\/nationalfriendly.co.uk\" target=\"_blank\">Trustpilot<\/a> rating of 4.2\/5 (as of 13 May 2025), which is deemed &#8220;Great&#8221;. However, drawing meaningful conclusions from National Friendly&#8217;s overall customer service rating is difficult given that it has only 228 Trustpilot reviews and many of its unfavourable reviews are for its other products, such as life insurance and income protection. Where customers have mentioned its PMI, they are more positive, often citing its &#8220;friendly&#8221;, &#8220;flexible&#8221; approach with a human within easy reach.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<li><a target=\"_new\" href=\"https:\/\/www.aviva.co.uk\/health\/health-products\/health-insurance\/\">Aviva website<\/a> and policy documentation (March 2025)<\/li>\n<li><a href=\"https:\/\/www.axahealth.co.uk\/\">Axa Health website<\/a> and policy documentation (March 2025)<\/li>\n<li><a target=\"_new\" href=\"https:\/\/www.bupa.co.uk\/health\/health-insurance\">Bupa website<\/a> and policy documentation (March 2025)<\/li>\n<li><a target=\"_new\" href=\"https:\/\/www.freedomhealthinsurance.co.uk\/\">Freedom website<\/a> and policy documentation (March 2025)<\/li>\n<li><a target=\"_new\" href=\"https:\/\/www.generalandmedical.com\/\">General &amp; Medical website<\/a> and policy documentation (March 2025)<\/li>\n<li><a href=\"https:\/\/nationalfriendly.co.uk\/member\/my-pmi\/\">National Friendly website<\/a> and policy documentation (March 2025)<\/li>\n<li><a target=\"_new\" href=\"https:\/\/www.the-exeter.com\/customer\/health-insurance\">The Exeter website<\/a> and policy documentation (March 2025)<\/li>\n<li><a target=\"_new\" href=\"https:\/\/www.saga.co.uk\/health-insurance\">Saga website<\/a> and policy documentation (March 2025)<\/li>\n<li><a target=\"_new\" href=\"https:\/\/www.vitality.co.uk\/health-insurance\/\">Vitality website<\/a> and policy documentation (March 2025)<\/li>\n<li><a href=\"https:\/\/www.wpa.org.uk\/\">WPA Website<\/a> and policy documentation (March 2025)<\/li>\n<p><h2 id=\"review-process\">How do we review which private health insurance providers and policies get the best rating?<\/h2>\n<\/p>\n<p>myTribe&#8217;s ratings for UK health insurance policies are calculated based on a specific list of policy features alongside other factors, such as customer service levels and health insurance reviews, clarity of information, policy limits and exclusions. See our <a href=\"https:\/\/www.mytribeinsurance.co.uk\/pmi-ratings-methodology\">full methodology<\/a> here.<\/p>\n<div class=\"w-embed\">\n<div class=\"double-column-list\">\n<div class=\"list-container\">\n<ul role=\"list\">\n<li>Inpatient and day patient benefits<\/li>\n<li>Cancer cover levels, limits and restrictions<\/li>\n<li>How claims affect renewal premiums and discounts<\/li>\n<li>Consultant and specialist choice<\/li>\n<li>Customer reviews, overall score and volume<\/li>\n<li>Underwriting options and terms<\/li>\n<li>Policy age limits and restrictions<\/li>\n<\/ul>\n<\/div>\n<div class=\"list-container\">\n<ul role=\"list\">\n<li>Cover levels for mental health<\/li>\n<li>Clarity in product information and terms<\/li>\n<li>Unique provider specific benefits<\/li>\n<li>Virtual GP service and terms<\/li>\n<li> Discounts and affordability<\/li>\n<li>And much more.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2 id=\"guide\">What to consider when shopping for private health insurance<\/h2>\n<\/div>\n<p>Hopefully the information we\u2019ve shared based on our extensive research goes some way to help you make an informed decision with your private health insurance.<\/p>\n<p>For the remainder of this article, we\u2019ll focus on explaining what you can expect from most health insurance policies and also what to look out for when comparing private healthcare providers.<\/p>\n<h2>What is private health insurance?<\/h2>\n<p><a href=\"https:\/\/www.mytribeinsurance.co.uk\/health-insurance\">Private health insurance<\/a> is designed to pay for private medical treatment of <strong>future<\/strong> medical conditions. What is and isn\u2019t covered by your policy is often based on how much you can afford to pay, your insurer and their terms and your medical history.<\/p>\n<div class=\"w-embed w-script\">\n<div class=\"section in-content left-yellow-line\">\n<div class=\"w-layout-grid cta1_content\">\n<div class=\"cta1_content-left\">\n<p><h2 id=\"watch-how\">How does health insurance work?<\/h2>\n<\/p>\n<p class=\"text-size-medium\">If you&#8217;re new to health insurance and want to better understand how it works, here is our introductory video which explains the basics:<\/p>\n<\/div>\n<div class=\"cta1_image-wrapper\">\n<div class=\"youtube-placeholder\" data-video-id=\"ny27BhWQW80\" onclick=\"initYouTubePlayer(this)\">\n    <img decoding=\"async\" src=\"https:\/\/img.youtube.com\/vi\/ny27BhWQW80\/mqdefault.jpg\" alt=\"Video thumbnail\" loading=\"lazy\"\/><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2>Is health insurance worth it?<\/h2>\n<p>Yes, health insurance is worth it due to NHS challenges like long wait times, GP shortages, and delays in cancer treatment and mental health services. Private insurance provides faster access to specialists, shorter waiting lists, and more treatment options, improving healthcare quality and convenience.<\/p>\n<h3>What\u2019s happening in the NHS?<\/h3>\n<p>In September 2024, a government-commissioned <a href=\"https:\/\/assets.publishing.service.gov.uk\/media\/66f42ae630536cb92748271f\/Lord-Darzi-Independent-Investigation-of-the-National-Health-Service-in-England-Updated-25-September.pdf\">report<\/a> found the NHS is &#8216;in serious trouble&#8217;, with public satisfaction in the health service at its lowest ever. Led by Lord Darzi, the report lays bare the challenges faced by the NHS and explains that while those working in the NHS are doing their best, the health service is struggling to cope with overwhelming pressures, especially post-pandemic.<\/p>\n<p>The <a href=\"https:\/\/www.england.nhs.uk\/statistics\/statistical-work-areas\/rtt-waiting-times\/\">latest NHS waiting time figures<\/a> to March 2025 show the treatment list remains stubbornly high.<\/p>\n<figure class=\"w-richtext-align-center w-richtext-figure-type-image\">\n<div><img decoding=\"async\" src=\"https:\/\/cdn.prod.website-files.com\/60a0cd9e83c3b8837315f825\/6825b0543d500895e5c43479_Chart%20showing%20long%20waits%20for%20NHS%20treatment%20in%20England%20Mar%2025.avif\" loading=\"lazy\" alt=\"Graph showing the most recent NHS waiting times to March 2025\"\/><\/div>\n<\/figure>\n<p>Earlier in 2024, the Office for National Statistics (ONS) released findings from a <a href=\"https:\/\/www.ons.gov.uk\/peoplepopulationandcommunity\/healthandsocialcare\/healthcaresystem\/datasets\/nhswaitingtimes16januaryto15february2024\">recent survey<\/a>, which showed that NHS waiting lists are potentially much bigger than previously feared. It suggests an estimated <strong>9.7 million adults <\/strong>are waiting for a hospital appointment, test, or to start receiving treatment via the NHS.<\/p>\n<h2>What are the benefits of private health insurance?<\/h2>\n<p>Generally speaking, you can expect all of the following benefits from a health insurance policy:<\/p>\n<ul role=\"list\">\n<li>Be treated sooner in a private healthcare setting, bypassing NHS waiting lists<\/li>\n<li>Access to a virtual private GP, and other remote healthcare services<\/li>\n<li>A private room if you&#8217;re admitted to hospital<\/li>\n<li>More choice over who provides your treatment<\/li>\n<li>Various rewards, discounts and member incentives<\/li>\n<\/ul>\n<p>Read more about <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/what-are-the-benefits-of-health-insurance\">the benefits of private health insurance<\/a><\/p>\n<div class=\"w-embed\">\n<div class=\"white-card-with-shadow-wrapper\">\n<div class=\"white-in-content-box\">\n<div class=\"in-content-review-section\">\n<div class=\"testimonial_rating-wrapper centre\"><img decoding=\"async\" src=\"https:\/\/cdn.prod.website-files.com\/60a0cd9e83c3b8a9bf15f80e\/66f406a34e7af4f6069129a8_yellow%20review%20stars.svg\" loading=\"lazy\" alt=\"myTribe is rated excellent, 5 star reviews.\" class=\"in-content-review-stars large\"\/><\/div>\n<h2 class=\"testimonial-cta-h2\">Get health insurance cover that works for you!<\/h2>\n<div class=\"centre\">Trusted by People\u00a0to provide impartial health insurance information. Rated Excellent, 5 out of 5 Stars on Google Reviews. Read more reviews <a href=\"#\">here<\/a>. <\/div>\n<div class=\"testimonial-flex\">\n<div class=\"testimonial-card right-margin\">\n<div>\n<p>&#8220;Clear and concise information. Very helpfulI in helping us find an affordable health insurance premium for our family&#8221;<\/p>\n<div>\n<p><strong>Joey Mort<br \/><\/strong>Rated Excellent 5\/5 on Google Review <\/p>\n<div><img decoding=\"async\" src=\"https:\/\/cdn.prod.website-files.com\/60a0cd9e83c3b8a9bf15f80e\/60a50a62d53771540c8d30e8_google%20rating%20mytribe.svg\" loading=\"lazy\" alt=\"Google reviews rating\" class=\"google-review-badge\"\/><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"testimonial-card\">\n<div>\n<p>Very thorough service and reliable information\u2026<\/p>\n<div>\n<p><strong>Dr Lynne Jordan<br \/><\/strong>Rated Excellent 5\/5 on Google Review <\/p>\n<div><img decoding=\"async\" src=\"https:\/\/cdn.prod.website-files.com\/60a0cd9e83c3b8a9bf15f80e\/60a50a62d53771540c8d30e8_google%20rating%20mytribe.svg\" loading=\"lazy\" alt=\"Google reviews rating\" class=\"google-review-badge\"\/><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 id=\"cover\">What does private health insurance cover?<\/h2>\n<\/div>\n<p><a href=\"https:\/\/www.mytribeinsurance.co.uk\/health-insurance\">Private health insurance<\/a> covers the costs associated with treating acute medical conditions, meaning those which, generally speaking, are curable. Chronic conditions are usually excluded, as are pre-existing conditions you&#8217;ve suffered from in the past five or three years if you opt for moratorium underwriting. There are many benefits of health insurance, there are limitations too, and it&#8217;s not designed to replace the NHS but work alongside it.<\/p>\n<h3>Core cover vs comprehensive policies<\/h3>\n<p>Even the most basic policies will cover the cost of being treated in a private hospital where you require a bed for a day or overnight. However, you&#8217;ll need to be diagnosed via the NHS, or self-pay to be diagnosed privately before you can claim for medical treatment.<\/p>\n<p>Comprehensive health insurance usually includes outpatient cover, sometimes limited to a monetary value per year. With these policies, all you need is a referral from your GP, and then everything from then onwards will be done privately.<\/p>\n<p>All providers and their policies are different, so take your time when choosing the right one for you. We recommend that you always speak to a <a href=\"https:\/\/www.mytribeinsurance.co.uk\/best-health-insurance-brokers\">qualified broker<\/a> before deciding as they understand all of the policies and can provide you with individual advice.<\/p>\n<p>If you&#8217;re looking for a lower cost policy, read our <a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/how-to-get-cheap-health-insurance-uk\">guide to cheap health insurance in the UK<\/a>.<\/p>\n<h3>Optional extras<\/h3>\n<p>While comprehensive policies will cover numerous private healthcare treatment and diagnosis options, you can also look to enhance your cover with a range of extras; typically including:<\/p>\n<ul role=\"list\">\n<li><strong>Therapies cover<\/strong> &#8211; such as physiotherapy (although many will include post-op physiotherapy sessions in their core product).<\/li>\n<li><strong>Mental health cover <\/strong>&#8211; many policies include access to helplines, but you&#8217;ll usually pay more for access to more extensive private healthcare treatment options.<\/li>\n<li><strong>Dental and optical cover <\/strong>&#8211; you can get help towards the cost of routine appointments and check-ups.<\/li>\n<li><strong>Travel insurance<\/strong> &#8211; if you want your private health insurance to extend beyond the UK.<\/li>\n<\/ul>\n<h3>What&#8217;s excluded from private healthcare cover?<\/h3>\n<p>All private healthcare insurance companies will have some exclusions, and it&#8217;s always best to refer to your policy documentation to see what yours excludes. However, generally speaking, you can expect the following to be excluded on most policies:<\/p>\n<ul role=\"list\">\n<li>Monitoring of and treatment of long-term (chronic) conditions<\/li>\n<li>Emergency treatment<\/li>\n<li>Cosmetic treatment<\/li>\n<li>Self-harm, alcohol abuse and drug abuse<\/li>\n<li>Normal childbirth, birth control and infertility<\/li>\n<li>Treatment that takes place outside the UK<\/li>\n<\/ul>\n<p><strong>Please note: <\/strong>There are some circumstances or providers, where what we\u2019ve listed above may be covered.<\/p>\n<p><h2 id=\"cost\">The average cost of private healthcare<\/h2>\n<\/p>\n<p><a href=\"https:\/\/www.mytribeinsurance.co.uk\/knowledge\/average-cost-of-private-health-insurance-uk\">In 2024, we obtained 900 quotes<\/a> from the top health insurance companies for fictional people of varying ages living in different locations across the UK. The following table shows the research results, with the average cost for a comprehensive private healthcare policy with the eight top providers in the UK.<\/p>\n<div class=\"w-embed\">\n<div class=\"rg-container\">\n<table class=\"rg-table zebra\" summary=\"Hed\">\n<thead>\n<tr>\n<th class=\"text \">Age<\/th>\n<th class=\"number \">Average monthly premium<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"\">\n<td class=\"text \" data-title=\"Age\">20-years-old<\/td>\n<td class=\"number \" data-title=\"Average Monthly Premium\">\u00a341.21<\/td>\n<\/tr>\n<tr class=\"\">\n<td class=\"text \" data-title=\"Age\">30-years-old<\/td>\n<td class=\"number \" data-title=\"Average Monthly Premium\">\u00a354.13<\/td>\n<\/tr>\n<tr class=\"\">\n<td class=\"text \" data-title=\"Age\">40-years-old<\/td>\n<td class=\"number \" data-title=\"Average Monthly Premium\">\u00a367.32<\/td>\n<\/tr>\n<tr class=\"\">\n<td class=\"text \" data-title=\"Age\">50-years-old<\/td>\n<td class=\"number \" data-title=\"Average Monthly Premium\">\u00a387.53<\/td>\n<\/tr>\n<tr class=\"\">\n<td class=\"text \" data-title=\"Age\">60-years-old<\/td>\n<td class=\"number \" data-title=\"Average Monthly Premium\">\u00a3126.62<\/td>\n<\/tr>\n<tr class=\"\">\n<td class=\"text \" data-title=\"Age\">70-years-old<\/td>\n<td class=\"number \" data-title=\"Average Monthly Premium\">\u00a3202.51<\/td>\n<\/tr>\n<tr class=\"\">\n<td class=\"text \" data-title=\"Age\"\/>\n\t\t\t\t<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><sup>*Average based on quotes from eight leading health insurers in 10 UK cities in June 2024. We opted for a comprehensive policy, with a \u00a3250 excess (or as close as possible), outpatient cover limited \u00a31,000 per policy year where possible, and we included alternate therapies cover. We opted for a guided consultant list where available, excluding mental health, dental, optical and travel cover.<\/sup><\/p>\n<\/div>\n<p><strong>Disclaimer:<\/strong> This information is general and what is best for you will depend on your personal circumstances. Please speak with a financial adviser or do your own research before making a decision.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Find out who the best private health insurance providers are in the UK, based on policy benefits and limits, customer reviews and more, with our impartial expert ratings. Why you can trust myTribe reviews At myTribe, we provide independent, research-backed reviews to help people in the UK make informed health and financial decisions. Our team [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":246094,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[597,11034,11448,11324,3698],"dealstore":[],"offerexpiration":[],"class_list":["post-246093","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-health","tag-insurance","tag-private","tag-providers","tag-reviews"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 Best Private Health Insurance Providers UK (2025 Reviews) - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=246093\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10 Best Private Health Insurance Providers UK (2025 Reviews) - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Find out who the best private health insurance providers are in the UK, based on policy benefits and limits, customer reviews and more, with our impartial expert ratings. Why you can trust myTribe reviews At myTribe, we provide independent, research-backed reviews to help people in the UK make informed health and financial decisions. Our team [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=246093\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-18T20:34:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/05\/66edd5d1200f70d2ec477a9f_Best20private20health20insurance20open20graph20image.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"27 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=246093#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=246093\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"10 Best Private Health Insurance Providers UK (2025 Reviews)\",\"datePublished\":\"2025-05-18T20:34:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=246093\"},\"wordCount\":5642,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=246093#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/05\/66edd5d1200f70d2ec477a9f_Best20private20health20insurance20open20graph20image.jpg\",\"keywords\":[\"Health\",\"insurance\",\"Private\",\"Providers\",\"reviews\"],\"articleSection\":[\"Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fivemor.com\/?p=246093#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fivemor.com\/?p=246093\",\"url\":\"https:\/\/fivemor.com\/?p=246093\",\"name\":\"10 Best Private Health Insurance Providers UK (2025 Reviews) - Som2ny Network\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=246093#primaryimage\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=246093#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/05\/66edd5d1200f70d2ec477a9f_Best20private20health20insurance20open20graph20image.jpg\",\"datePublished\":\"2025-05-18T20:34:11+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/fivemor.com\/?p=246093#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/fivemor.com\/?p=246093\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fivemor.com\/?p=246093#primaryimage\",\"url\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/05\/66edd5d1200f70d2ec477a9f_Best20private20health20insurance20open20graph20image.jpg\",\"contentUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/05\/66edd5d1200f70d2ec477a9f_Best20private20health20insurance20open20graph20image.jpg\",\"width\":1200,\"height\":630},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/fivemor.com\/?p=246093#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/fivemor.com\/?bp_activities=1\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"10 Best Private Health Insurance Providers UK (2025 Reviews)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/fivemor.com\/#website\",\"url\":\"https:\/\/fivemor.com\/\",\"name\":\"Som2ny Network\",\"description\":\"Daily Deals\",\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/fivemor.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/fivemor.com\/#organization\",\"name\":\"Som2ny Network\",\"url\":\"https:\/\/fivemor.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png\",\"contentUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png\",\"width\":300,\"height\":86,\"caption\":\"Som2ny Network\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/fivemor.com\"],\"url\":\"https:\/\/fivemor.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"10 Best Private Health Insurance Providers UK (2025 Reviews) - Som2ny Network","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fivemor.com\/?p=246093","og_locale":"en_US","og_type":"article","og_title":"10 Best Private Health Insurance Providers UK (2025 Reviews) - Som2ny Network","og_description":"Find out who the best private health insurance providers are in the UK, based on policy benefits and limits, customer reviews and more, with our impartial expert ratings. Why you can trust myTribe reviews At myTribe, we provide independent, research-backed reviews to help people in the UK make informed health and financial decisions. Our team [&hellip;]","og_url":"https:\/\/fivemor.com\/?p=246093","og_site_name":"Som2ny Network","article_published_time":"2025-05-18T20:34:11+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/05\/66edd5d1200f70d2ec477a9f_Best20private20health20insurance20open20graph20image.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"27 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/fivemor.com\/?p=246093#article","isPartOf":{"@id":"https:\/\/fivemor.com\/?p=246093"},"author":{"name":"admin","@id":"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371"},"headline":"10 Best Private Health Insurance Providers UK (2025 Reviews)","datePublished":"2025-05-18T20:34:11+00:00","mainEntityOfPage":{"@id":"https:\/\/fivemor.com\/?p=246093"},"wordCount":5642,"commentCount":0,"publisher":{"@id":"https:\/\/fivemor.com\/#organization"},"image":{"@id":"https:\/\/fivemor.com\/?p=246093#primaryimage"},"thumbnailUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/05\/66edd5d1200f70d2ec477a9f_Best20private20health20insurance20open20graph20image.jpg","keywords":["Health","insurance","Private","Providers","reviews"],"articleSection":["Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/fivemor.com\/?p=246093#respond"]}]},{"@type":"WebPage","@id":"https:\/\/fivemor.com\/?p=246093","url":"https:\/\/fivemor.com\/?p=246093","name":"10 Best Private Health Insurance Providers UK (2025 Reviews) - Som2ny Network","isPartOf":{"@id":"https:\/\/fivemor.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/fivemor.com\/?p=246093#primaryimage"},"image":{"@id":"https:\/\/fivemor.com\/?p=246093#primaryimage"},"thumbnailUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/05\/66edd5d1200f70d2ec477a9f_Best20private20health20insurance20open20graph20image.jpg","datePublished":"2025-05-18T20:34:11+00:00","breadcrumb":{"@id":"https:\/\/fivemor.com\/?p=246093#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fivemor.com\/?p=246093"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fivemor.com\/?p=246093#primaryimage","url":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/05\/66edd5d1200f70d2ec477a9f_Best20private20health20insurance20open20graph20image.jpg","contentUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/05\/66edd5d1200f70d2ec477a9f_Best20private20health20insurance20open20graph20image.jpg","width":1200,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/fivemor.com\/?p=246093#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/fivemor.com\/?bp_activities=1"},{"@type":"ListItem","position":2,"name":"10 Best Private Health Insurance Providers UK (2025 Reviews)"}]},{"@type":"WebSite","@id":"https:\/\/fivemor.com\/#website","url":"https:\/\/fivemor.com\/","name":"Som2ny Network","description":"Daily Deals","publisher":{"@id":"https:\/\/fivemor.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fivemor.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/fivemor.com\/#organization","name":"Som2ny Network","url":"https:\/\/fivemor.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fivemor.com\/#\/schema\/logo\/image\/","url":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png","contentUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png","width":300,"height":86,"caption":"Som2ny Network"},"image":{"@id":"https:\/\/fivemor.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fivemor.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png","caption":"admin"},"sameAs":["https:\/\/fivemor.com"],"url":"https:\/\/fivemor.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/posts\/246093","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=246093"}],"version-history":[{"count":0,"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/posts\/246093\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/media\/246094"}],"wp:attachment":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=246093"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=246093"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=246093"},{"taxonomy":"dealstore","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fdealstore&post=246093"},{"taxonomy":"offerexpiration","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fofferexpiration&post=246093"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}