Top 10 Health Insurance Companies in the UK
The UK health insurance market is becoming increasingly competitive, with a growing number of insurers entering the market. This can make it difficult for consumers to decide which provider to choose. In this blog post, we will take a look at the 10 biggest health insurance companies in the UK and discuss some of the key features and benefits that they offer.
Why you Need a Health Insurance Policy
Having a health insurance policy can give you access to private medical care, enabling you to receive treatment quickly and without long waiting times. It also ensures that you are covered in the event of an unexpected illness or injury. A good health insurance policy will cover a wide range of treatments, tests, and other medical services.
A health insurance policy allows you to access preventive services like screening tests and shots at no extra cost. Some health insurance policies qualify policyholders to various forms of savings that reduce the overall cost of insurance.
Factors to Consider when Selecting a Health Insurance Company
The health insurance industry is a flooded and slippery landscape. You, therefore, need to exercise care when selecting the right insurance company. Below are factors to consider;
Coverage
Check what is covered in the policy and the deductibles you need to pay in case of any medical emergency. Some insurance companies offer a variety of customer-tailored services hence you need to take time and sample out what’s on offer.
Ensure that your plan covers both in-network services and medicines. Also ensure that your preferred primary care, your favourite pharmacy, or specialist provider is included in the insurance’s network.
Cost
Consider the cost of the insurance policy. Some insurance companies offer discounts depending on your age and lifestyle. Also, review if there are additional fees for services such as annual check-ups and physicals.
Quality of Care
Check out patient reviews to learn more about the quality of care that a given health insurance company provides. This helps you get an idea of what to expect in terms of customer service from a particular insurer before signing up for their policy.
Financial Stability
Investigate the financial stability of an insurance provider so that you won’t be left stranded should they become insolvent or close down for any reason. You can do this by checking publicly available information such as annual reports, financial statements and ratings.
Top 10 Healthy Insurance Companies in the UK
Here are the top 10 health insurance companies in the UK;
Aviva
Aviva is the biggest insurance company in the UK and commands the largest share of the health insurance market. The company has 33 million users from around the world and offers both private medical insurance and individual or family plans.
The insurance company offers cover for some pregnancy complications like retained placentas, ectopic pregnancies, and caesarean sections. These services are offered under specific clinical conditions and are considered on a case-by-case basis. For those with mental health coverage, the insurance policy will cover the treatment of postnatal depression.
Aviva also offers several add-ons like travel insurance, dental coverage, and critical illness cover among others.
Some advantages of Aviva health insurance include comprehensive care for all of your cancer treatment needs, Guidance via Expert Select, access to MyHealthCounts- an online health and wellbeing tool, access to GP consultations and other services via Aviva Digital App, savings on gym services, round-the-clock access to professional stress counsellors, and access to mental health support.
AXA PPP Healthcare
AXA PPP Healthcare is the second largest health insurer in the UK. This provider offers both private medical insurance and cash plans and covers a wide range of treatments, including mental health services. The company also provides additional cover for cancer-related treatment, dental care, specialist consultations, and hospital stays.
Apart from their comprehensive coverage options, AXA PPP Healthcare also offers clients access to virtual GP appointments, a 24/7 nurse advice line, an online health library, discounts on gym memberships, access to lifestyle coaching programmes, and more.
It comes with a comprehensive range of cancer and heart cover with access to the latest drugs. Outpatients can access the Fast Track Appointments service. It also allows access to the latest eligible drugs.
Prudential Health Insurance
Prudential is the third biggest health insurance provider in the UK. They provide individual and family policies that offer a variety of benefits including critical illness cover, access to specialist consultations, inpatient hospital stays and cash benefits.
The insurer also offers several lifestyle management add-ons that include access to a 24/7 nurse helpline, global health insurance coverage, discounts on gym memberships and alternative therapies such as yoga and acupuncture. Prudential Health Insurance also provides generous cancer care cover with options for both private hospital treatment and NHS services.
The firm’s Wellness Booster Plans provide access to mental health support and stress counselling sessions. They offer additional cover for IVF treatments and maternity complications too.
Bupa Health Insurance
Bupa is the fourth biggest health insurer in the UK, providing individual and family plans that offer all-round protection. Their comprehensive plans give you the peace of mind that all necessary medical treatments are covered in case of an accident or illness.
The company provides a wide range of benefits which include access to virtual GP appointments, specialist consultations, hospital stays and cash benefits. Bupa also offers some additional services such as cover for repatriation to your home country, free mental health support, discounts on gym memberships and alternative therapies like yoga and acupuncture.
Their cancer cover includes access to the latest drugs and treatments with fast-track appointments for outpatients. The insurer also offers generous maternity coverage with several add-ons for pregnancy complications such as ectopic pregnancies or caesarean sections.
WPA Health Insurance
WPA Health Insurance is the fifth biggest health insurer in the UK. They provide a range of policies that cover all essential medical treatments and services such as hospital stays, specialist consultations and cash benefits.
The company provides extensive cancer cover with access to the latest drugs and treatment protocols as well as fast track appointments for outpatients. WPA also offers some additional benefits including mental health support, discounted gym memberships and alternative therapies like yoga and acupuncture.
Their maternity coverage is generous with several add-ons for complications such as ectopic pregnancies or caesarean sections. The firm also provides access to a 24/7 nurse helpline, online health library, global health insurance coverage and lifestyle management programmes.
Its advantages include customizable private healthcare plans, the ability to choose the timing, location, and doctor for your treatment, and instant claim response via the WPA Health app.
Saga Health Insurance
Saga is the sixth biggest health insurer in the UK, providing comprehensive individual and family policies that give you all-round protection. Apart from covering hospital stays, specialist consultations and cash benefits, Saga also provides access to virtual GP appointments and a 24/7 nurse helpline.
Their cancer cover includes access to the latest drugs with fast track appointments for outpatients as well as generous maternity coverage including add-ons for pregnancy complications such as ectopic pregnancies or caesarean sections.
Additional services that are included in their plans include discounts on gym memberships, alternative therapies like yoga and acupuncture, mental health support and stress counselling sessions. The firm’s Wellness Booster Plans also provide access to lifestyle management programmes.
Advantages include access to a specialist for diagnosis on every GP referral, access to private treatment, ability to choose a private hospital for your treatment, and unlimited GP appointments.
Vitality Health Insurance
Vitality Health is the seventh biggest health insurer in the UK, offering a range of plans that provide all-round protection. The company provides access to virtual GP appointments and specialist consultations as well as cancer cover with access to the latest drugs and treatments.
Additional services are also included in their plans such as discounts on gym memberships, alternative therapies like yoga and acupuncture, mental health support and stress counselling sessions. Their maternity coverage is generous too, providing add-ons for pregnancy complications such as ectopic pregnancies or caesarean sections.
Advantages include their unique Vitality Program that rewards customers for maintaining a healthy lifestyle through personalized fitness goals and awards. Customers also have access to 24/7 nurse helpline, online health library, global health insurance coverage and lifestyle management programmes.
Freedom Health Insurance
Freedom Health Insurance is the eighth biggest health insurer in the UK, providing a range of policies that cover all essential medical treatments and services. The company provides extensive cancer cover with access to the latest drugs and treatment protocols as well as fast track appointments for outpatients.
The firm also offers some additional benefits including mental health support, discounted gym memberships and alternative therapies like yoga and acupuncture. Their maternity coverage is generous too, offering add-ons for pregnancy complications such as ectopic pregnancies or caesarean sections.
Their advantages include flexible private healthcare plans, the ability to choose the timing, location, and doctor for your treatment, instant claim response via the Freedom Health app and online second opinion consultations. Customers also have access to a 24/7 nurse helpline, online health library and global health insurance coverage.
The Exeter Health Insurance
The Exeter Health Insurance is one of the biggest health insurance companies in the UK, providing comprehensive individual and family policies to cover all essential medical treatments. The company provides access to virtual GP appointments and specialist consultations as well as cancer cover with access to the latest drugs and treatments.
Additional services are also included in their plans such as discounts on gym memberships, alternative therapies like yoga and acupuncture, mental health support and stress counselling sessions. Their maternity coverage is generous too, offering add-ons for pregnancy complications such as ectopic pregnancies or caesarean sections.
Advantages include flexible private healthcare plans that can be tailored to suit individual needs, 24/7 nurse helpline for advice or reassurance about any medical concerns, online health library and global health insurance coverage. Customers can also access a dedicated team of experts to provide help in selecting the right treatments and services.
Simplyhealth Health Insurance
Finally, Simplyhealth is the tenth biggest health insurer in the UK, providing reliable cover for all essential medical treatments. The company provides access to virtual GP appointments and specialist consultations as well as cancer cover with access to the latest drugs and treatments.
Additional services are also included such as discounts on gym memberships, alternative therapies like yoga and acupuncture, mental health support and stress counselling sessions. Their maternity coverage is generous too, offering add-ons for pregnancy complications such as ectopic pregnancies or caesarean sections.
Advantages include flexible private healthcare plans, the ability to choose the timing, location and doctor for your treatment, and 24/7 nurse helpline. Customers also have access to an online health library and global health insurance coverage.
Conclusion
There are several health insurance companies in the UK and choosing the right one will ensure you have peace of mind and access to quality medical care when needed. By doing your due diligence, you can be sure to select a company that meets your needs and budget. We hope this list of the top 10 Health Insurance Companies in the UK has been helpful in making your decision.
