Top 10 private healthcare providers in the UK (ratings) - 2023 (2023)

The landscape of the UK health insurance industry is constantly evolving as providers innovate in response to customer demand but sometimes remove features.

With hundreds of different plans and providers on the market, researching the basic offerings from all insurers can be a daunting task. Although you can find many different marketplace comparison sites online, most do not allow you to simply search for the various providers without filling in all the information required for a quote.

According to a 2016 survey by the Association of British Insurers, there were 340 UK-based health insurers and 563 in Europe. In 2021, these numbers are sure to be exponentially higher.

This article looks at 10 of the best health insurers in the UK. Each section includes a brief description of the company, an overview of what its main products cover, and some additional information about its achievements and awards.

For personal advice, please contact one of our friendly experts. Hooray Health and Protection offers FREE quotes and unbiased advice. Just use the chat box on the right or give us a call01273 222805.

Allianz

Allianz is a German multinational insurance company that is one of the largest providers in the world. Their plans focus on international health insurance, which is offered in the UK and many other countries around the world.

Allianz can offer its customers three different levels of insurance plans. These plans are simply called Care Pro, Care Plus, and Care.

These plans may include:

• Insurance coverage for hospital and day patients
• Optional outpatient health insurance
• emergency treatments
• medical evacuations
• private hospital rooms
• Expat Assistance Program
• travel security services

The company has also done significant work to support environmental initiatives, reducing its carbon emissions by pursuing low-carbon investments and sustainable working solutions for the future.

2019,Allianzwas recognized as Corporate Social Responsibility/Business Sustainability Initiative of the Year at the British Insurance Awards for its efforts and achievements in this area.

Aviva

Aviva is a London-based multinational insurance provider. Providing various forms of insurance to more than 33 million customers worldwide, mainly in the European and Asian markets.

The main health insurance products consist of three different plans. These plans are called Cancer Pledge, Expert Select, and Wellbeing Services.

The insurance coverage offered by these plans includes:

• outpatient care
• acute conditions
• Access to hundreds of UK hospitals
• Cancer screening coverage
• Hospital and medical specialist fees

2020,Avivapaid out over £30bn in benefits and entitlements while investing over £11bn in green assets.

Aviva has worked in an award-winning partnership with the British Red Cross since 2016. This not-for-profit collaboration primarily involves helping with disaster relief, as well as providing strategic support and expertise.

AXA

AXA is a French multinational insurance company that is one of the largest health insurers in the UK. They mainly operate in Western Europe, North America and also in the India Pacific region.

Core coverage extends to:

• Comprehensive insurance protection for hospital and day patients
• Optional outpatient health insurance
• Access to more than 250 hospitals
• Speed-Dating-Service
• Access to specialized cancer drugs
• Unlimited GP consultations online or by phone
• second opinion service
• Access to free online health centers

AXAcreated the Health Tech & You Awards in 2014 to recognize the many achievements and innovations made in the healthcare industry each year. Named Health Insurer of the Year at the 2018 Moneyfacts Consumer Awards.

They have committed £250m to 650 research products through the AXA Research Fund and also host a range of events each year to support various charities.

Bupa

Bupa is a UK-based healthcare group and insurance provider with more than 80,000 employees and 31 million customers worldwide. They are specialists in mental health support and insurance but also offer extensive health insurance options with products such as Bupa Global.

Your primary health insurance coverage includes:

• Insurance coverage for hospital and day patients
• Optional outpatient health insurance
• Choice of your own private doctor
• Private rooms in hospitals
• Mental health and wellness therapies
• Private dental care after six months
• Specialist in oncology treatment
• Private physiotherapy and other treatments

Bupahas more comprehensive mental health coverage than any other health insurer in the UK and offers extensive treatment and support options for depression, anxiety and addiction, among many other conditions.

Bupa was also voted the 5th best place to work in the UK by LinkedIn.

Would you like to take out health insurance, but don't know where to turn? Ask the experienced realtors at Hurra Salud y Protección. As members of AMII, we are committed to providing our clients with the best advice. E-mail[email protected]or use the chat box on the right.

Carry out

The Exeter is a Devon based health insurer structured as a joint venture rather than a traditional company. This term describes a mutual insurance association.

Exeter's flagship health insurance product, Health+, includes:

• hospital and day care
• Optional outpatient health insurance
• Unlimited Cancer Insurance
• Cash benefit from the NHS
• private ambulances
• Home care
• parental accommodation

IsExeterInsurance products have received numerous awards in recent years. These products include, but are not limited to, income protection, private health insurance, and individual life insurance.

By comparing its products to those of its competitors, The Exeter is able to continually ensure its customers are getting the best prices in the health insurance market.

Freedom

Freedom is an award-winning UK private health insurance company, established in 2003. They are specialists in providing affordable and flexible health insurance.

There are three main insurance plans that offer different levels of coverage. These includeFreedomElite, Freedom Essentials und Freedom Worldwide.

Freedom Elite includes:

• Hospital and day coverage
• cancer coverage
• pregnancy complications
• Cash benefit from the NHS
• private ambulances
• maternity allowance
• MRTs, CT-Scans und PET-Scans
• Home care
• Zahnchirurgie

Freedom Essentials offers a fixed cash benefit, a cancer cash benefit, and optional ambulatory health insurance. Freedom Worldwide focuses on international health insurance but offers many of the same options.

Freedom also offers customers a 6% discount on annual payments across all plans, as well as a 2-year fixed premium policy that ensures coverage costs don't go up.

general and medical

General & Medical Insurance is a UK health insurer and a wholly owned subsidiary of General & Medical Securities Group. They offer numerous health insurance policies for individuals, families and businesses to clients around the world.

They have four main insurance plans. Essentials, everyday, lifestyle and elite.

These plans can include:

• Hospitalization coverage
• outpatient care
• cancer treatments
• health and wellness services
• Cash benefit from the NHS
• Stress-Hotline

general and medicalwe are the preferred health insurer of the Association of Surgeons of Great Britain and Ireland.

They also offer a wide range of health insurance plans and accident insurance products for companies and professionals in the UK sports industry.

Saga

Saga is a Kent based insurance company with over 2.7 million customers. Their products focus on the 50+ health insurance market, but also offer various forms of travel insurance.

Sagaoffers four different health plans: Super, Secure, Saver Plus, and Support, all with different levels of coverage and additional rewards.

Key aspects of your reporting include:

• Insurance coverage for hospital and day patients
• Optional outpatient health insurance
• Saga GP Service that allows you to contact a doctor 24/7
• Access to a network of private hospitals
• Recovery care after treatments
• Cash benefit from the NHS
• dental accident benefit
• External prosthesis benefit
• Support from the Cancer Aid team

They are also the creators and owners of Saga Magazine, one of the best selling monthly subscription magazines published in the UK.

vitality

Vitality is a London based private health insurer with offices in Bournemouth and Stockport. They are a subsidiary of Discovery Limited, a South African financial services group.

Your basic care includes:

• Insurance coverage for hospital and day patients
• cancer coverage
• acute conditions
• stays in private hospitals
• mental support
• Menopause support
• Full promise of coverage
• Advice from healthcare professionals through Vitality Care
• Access to online medical consultations and a 24/7 hotline with Vitality GP

vitalityThey have won several industry awards throughout their history including the British Insurance Awards 2020 and the Customer Cover Awards 2019 proving they are amongst the best private healthcare providers in the UK.

WPA

Western Provident Association is a British not-for-profit health insurance provider based in Somerset. They also own WPA Protocol, a subsidiary specializing in corporate healthcare trusts.

WPA health insurance coverage includes:

• Insurance coverage for hospital and day patients
• outpatient care
• cancer treatment
• NHS hospital allowance
• 24/7 access to a private family doctor hotline
• Employee Assistance Program
• Private transport by ambulance
• Home care

WPAThey have settled a total of £800m in claims over the last 10 years and have also managed to maintain an impressive average customer service rating of 4.7 out of 5 on Trustpilot.

How to find the best private healthcare in the UK

These are just ten of the most well known providers but as mentioned above there are hundreds of insurers operating in the UK all offering different products and policies.

You can do your own research, but it takes a lot of time and effort! Ideally, you should seek advice from someone with experience. An independent insurance broker can find you the best private health insurance without the stress of searching the internet for the information you need.

If you're interested in enlisting the help of an insurance broker to find the right private health insurance plan, Hooray Health and Protection can help.

Our team of industry experts strive to make insurance easy for our customers and are happy to answer any questions you may have about itPrivate health insurance. Click on "Talk to us" on the right or give us a call01273 222805.