Underwriting
Full medical underwriting, moratorium and switch terms can produce very different exclusions.
Compare what changes the outcome
The premium is one number. The contract is the decision.
Two policies with similar prices can behave very differently when you need a specialist, scan, hospital or treatment.
Build my online comparisonSix comparisons that matter
Outpatient access
Consultations, scans, diagnostics and therapies can be unlimited, capped or excluded.
Hospital route
Hospital lists, guided care and consultant fee rules affect where and by whom you are treated.
Cancer
Drug access, diagnostics, surgery, radiotherapy, monitoring and end-of-life benefits vary.
Mental health
Inpatient, outpatient and digital support can have separate limits and referral rules.
Cost controls
Excess, co-payment, six-week options and claims-related discounts change price and risk.
Provider names are a starting point—not a recommendation.
Our available panel may include established providers such as AXA Health, Bupa, Aviva, WPA and international insurers. Panel availability, adviser scope and remuneration are disclosed before recommendation.
Product names and features change. The insurer’s current policy wording, Insurance Product Information Document and personal terms take priority over this guide.
Research sources
- NHS England waiting-time statistics
- HMRC medical insurance benefits
- HMRC employee medical insurance tax
- AXA Health personal and business information
- Bupa UK health insurance
- Bupa Global international private medical insurance
- Aviva health insurance
- WPA health insurance
- FCA insurance communications rules
- Ever North regulatory information
