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Private Health Insurance

Compare Health Insurance Plans in the UK

Compare budget, mid-range, and comprehensive private health insurance from the UK's top providers. Skip the NHS waiting list and get the care you need, when you need it.

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Updated June 2026|8 providers compared|How we rank providers

Bupa
Rated 9.4 out of 10, Excellent

Best Overall

  • The UK's largest private health insurer — over 40 Bupa-owned hospitals and clinics
  • Comprehensive cover from £88/month for a healthy 30-year-old including cancer care and mental health
  • 97.8% of claims authorised — Bupa's published authorisation rate for eligible claims
  • Fast access to specialists — average wait of 3 days for a specialist consultation
Best Overall
Vitality
Rated 9.1 out of 10, Excellent

Best for Healthy Lifestyle Rewards and Digital Health Tools

  • Unique rewards programme — earn points for healthy behaviour and reduce your premium
  • Comprehensive cover from £92/month including mental health and physiotherapy
  • Free Apple Watch, gym membership discounts, and Waitrose/Caffè Nero rewards
  • Vitality GP app — unlimited GP video consultations included as standard
Best Lifestyle Rewards
AXA Health
Rated 8.8 out of 10, Very Good

Best for Value and Flexible Cover Options

  • Flexible cover options — choose the elements of cover most important to you
  • Comprehensive cover from £82/month — one of the most competitive premiums for comprehensive cover
  • AXA Doctor at Hand — unlimited GP video consultations included as standard
  • 98.1% of claims paid — AXA Health's published claim payout rate
Best Value
Aviva
Rated 8.5 out of 10, Very Good

Best for Brand Reliability and Multi-Policy Discounts

  • Comprehensive cover from £80/month — competitive pricing with Aviva's brand reliability
  • Multi-policy discount — save when you combine health insurance with life or home insurance
  • Aviva DigiCare+ app — health checks, mental health support, and nutritional consultations
  • 97.5% of claims paid with a dedicated UK-based claims team
Best Brand Reliability
WPA
Rated 8.2 out of 10, Very Good

Best for Flexible, Tailored Cover and Customer Service

  • Not-for-profit insurer — any surplus is reinvested into member benefits
  • Highly flexible cover — build your policy from a wide range of cover options
  • Comprehensive cover from £95/month with outstanding customer service
  • Consistently rated the UK's best health insurer for customer satisfaction by Fairer Finance
Best Tailored Cover
The Exeter
Rated 7.9 out of 10, Good

Best for Budget-Conscious Individuals and Self-Employed

  • Specialist health insurer focused on individual and self-employed policyholders
  • Budget cover from £22/month — one of the most affordable entry-level policies in the UK
  • Health+Plus plan includes out-patient cover at a competitive price point
  • Consistent Fairer Finance Gold Ribbon for customer experience
Best Budget
Saga Health Insurance
Rated 7.6 out of 10, Good

Best for Over 50s and Older Policyholders

  • Specialist cover for individuals aged 50 and over
  • Comprehensive cover from £165/month for a 55-year-old — competitive for the age group
  • Dedicated UK-based customer service team with experience in older policyholders' needs
  • Saga Plus and Saga Select tiers to suit different budgets and cover requirements
Best Over 50s
Cigna
Rated 7.3 out of 10, Good

Best for Corporate, SME, and Internationally Mobile Professionals

  • Global health insurance with cover in 190+ countries — ideal for internationally mobile professionals
  • Comprehensive UK cover from £90/month with optional international extensions
  • Strong corporate and SME offering — group health insurance for businesses of all sizes
  • 24/7 medical helpline and digital health tools included as standard
Best International

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Frequently asked questions

Providers shown are selected from our panel and ranked using our published methodology. Rankings are editorial and do not represent every provider in the market. How we compare providers

Comparison Genius is a comparison platform and does not provide financial or insurance advice. Products are provided by FCA-authorised insurers. Quotes are provided by participating providers and may vary based on underwriting, eligibility and individual circumstances. Comparison Genius is not authorised by the Financial Conduct Authority.