Best Health Insurance Companies in United Kingdom (UK)

The National Health Service, a publicly funded system that delivers healthcare in the United Kingdom (NHS). Regardless of their financial situation or job, residents and qualified persons can receive comprehensive healthcare services through the NHS.

 One of the most important aspects of this healthcare system is the availability of health insurance, which is essential in guaranteeing that people can access the necessary medical care without having to pay outrageous prices. The idea of health insurance in the United Kingdom, its different forms, and its importance within the larger context of the NHS will all be covered in this article.

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1. Health Insurance

Health insurance is a type of financial arrangement that aids people in paying for medical bills. Typically, it entails paying a regular payment to an insurance company in return for coverage of a variety of medical services.

 By easing the financial burden of unforeseen medical expenses, providing access to vital treatments, and fostering general health and wellbeing, health insurance can provide peace of mind. While the National Health Service (NHS) in the UK offers free medical care to its citizens, some choose private health insurance to gain access to more facilities or hasten the course of particular procedures.

1.1 Need for Health Insurance

Because it offers vital financial security and access to healthcare services, health insurance is crucial. Health insurance provides a safety net, guaranteeing that people and families may receive the essential medical care without having to pay astronomical prices in an unpredictably unwell and accident-prone world. In addition to covering hospital stays and medical procedures, it also encourages preventative care, routine checkups, and early intervention, all of which can help people live healthier lives.

 Health insurance is crucial in nations like the United Kingdom that have a mix of public and private healthcare systems because it gives people the freedom to select their healthcare providers and have access to specialist treatments that may not be available through the public system. In general, health insurance is crucial for protecting both

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2. Best Health Insurance in United Kingdom (UK)

Choosing the “best” health insurance in the UK can be arbitrary and is based on personal needs and tastes. The National Health Service (NHS), a strong public healthcare system in the UK, offers inhabitants free medical care. Some people choose private health insurance, meanwhile, in order to have access to extra advantages like faster access to experts or non-NHS therapies.

2.1 Top Health Insurance in United Kingdom According to Our Rating

In the UK, a few prominent private health insurance companies are:

1. Bupa: Best for Reputation
2. AXA PPP Healthcare: Best for Network
3. Vitality Health: Best for Wellness
4. Aviva: Best for Digital Services
5. Cigna: Best for International
6. WPA: Best for Customer Service
7. Saga: Best for Seniors
8. Health-on-line: Online Services
9. Freedom Health Insurance: Best for Specialized Treatments
10. The Exeter: Best for Specialist Care

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3. Bupa – United Kingdom (UK)

3.1  Overview – Bupa United Kingdom (UK)

One of the biggest and best private health insurance providers in the UK is BUPA. Almost 31 million people use it presently throughout numerous nations. BUPA By You provides individually designed benefit plans that can be adjusted to meet your needs.

About 12,400 customers have given BUPA UK Insurance an amazing 4.4 stars and a “Excellent” rating on Trustpilot. The majority of the evaluations speak favorably of their excellent and accommodating customer service.

3.2 Benefits – Bupa United Kingdom (UK)

Our evaluation of BUPA health insurance reveals that the company is among the best because:

1. Compared to other UK health insurance providers, they cover the most mental health conditions.
2. They give people access to cutting-edge cancer medications and therapies.
3. With the Digital GP app, they provide GPs with constant access.
4. Even before contacting a GP, you can speak with their professionals immediately.
5. Through the Anytime Healthline, they offer health counseling round-the-clock.
6. There are health incentive programs.

3.3 Company Overview – Bupa United Kingdom (UK)

Bupa is a British multinational health insurance and healthcare company with over 43 million customers worldwide. Based in the UK, it operates in Australia, Spain, the UK, Chile, Poland, New Zealand, Hong Kong, Turkey, Brazil, Ireland, Mexico, and the US. Bupa is a private company limited by guarantee, with no shareholders and reinvesting profits.

 Health insurance accounts for 71% of Bupa’s revenues, while other services include hospitals, outpatient clinics, dental centers, and digital services. Bupa also operates aged care facilities in four countries.

Industry	Health Insurance Healthcare
Founded	1947; 76 years ago
Headquarters	London United Kingdom

3.4 Products & Services – Bupa United Kingdom (UK)

In the UK, BUPA offers the following service levels:

1. Comprehensive cover.
2. Treatment and Care cover

The following insurance options are available to you under those two categories:

1. Individual health insurance
2. Couples health insurance
3. Family health insurance
4. Business health insurance

3.5 Contact Details – Bupa United Kingdom (UK)

You can contact company through,

Phone Number	+44 (0) 1784 466 188
Address	1 Angel Ct, London, Greater London, EC2R 7HJ, United Kingdom
Email	[email protected]
Official Website	https://www.bupa.com/

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4. AXA PPP Health Care – United Kingdom (UK)

4.1  Overview – AXA PPP Health Care United Kingdom (UK)

AXA PPP was established in the 20th century to offer health insurance to wealthy workers in central London. This company is regarded as one of the top private health insurance firms that specializes in offering top-notch UK medical care, with more than 80 years of experience and millions of clients served globally.

AXA PPP Healthcare has received a ‘Great’ rating from more than 2,600 Trustpilot users, earning a total of 3.8 stars.

4.2  Benefits – AXA PPP Health Care United Kingdom (UK)

Our thorough evaluation of AXA PPP health insurance reveals that the organization provides the following advantages:

1. Access to the most recent approved medications is made possible by AXA’s extensive selection of heart and cancer coverage.
2. You can use the Quick Track Appointments program if you’re an outpatient.
3. Access to the newest acceptable medications.
4. AXA Doctor at Hand offers limitless consultations.
5. Health at Hand provides 24/7 medical advice.

4.3  Company Overview – AXA PPP Health Care United Kingdom (UK)

 AXA PPP Healthcare has grown to become one of the UK’s top private health insurance companies. They provide a variety of health insurance policies that cover different medical services, hospital treatments, and wellness initiatives for individuals, families, and corporations.

Hospitals, clinics, and specialty facilities are all part of the wide network of healthcare providers that makes up AXA PPP Healthcare. Additionally, they provide online services like tracking your health and fitness and doing virtual doctor visits.

Company Name	AXA PPP Healthcare
Type	Private Health Insurance Provider
Founded	AXA PPP Healthcare was established in 1938 as the ‘Provident Hospital Consultants Association (PHCA) Hospital Service.’ It became part of the AXA Group in 1998 and was subsequently renamed AXA PPP Healthcare.

4.4  Products & Services – AXA PPP Health Care United Kingdom (UK)

AXA offers the following health insurance covers:

1. Personal Health – private health insurance plan.
2. Business Health Cover.
   
   

4.5  Contact Details – AXA PPP Health Care United Kingdom (UK)

You can contact company through,

Phone Number	+33 1 40 75 48 43
Address	Individual Shareholder Relations Department 25 avenue Matignon 75008 Paris – France
Email	[email protected].
Official Website	https://www.axahealth.co.uk

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5. Vitality Health – United Kingdom (UK)

5.1  Why Its Highly Recommended – Vitality Health United Kingdom

Along with tests and treatments, Vitality offers its clients healthy incentives and savings from affiliated companies like discounted gym memberships and cashback on cycling apparel. Read our in-depth Vitality health insurance review for more details.

About 23,900 customers have given Vitality 4.3 stars and a “Excellent” rating on Trustpilot.

5.2 Benefits – Vitality Health United Kingdom (UK)

The benefits of vitality health insurance include:

1. It is the only health insurer in the UK that guarantee full coverage.
2. A 48-hour appointment window and a 24-hour helpline are available.
3. Discounts on well-known health and fitness brands, along with potential weekly incentives.
4. You will have access to qualified medications and specialized care.

5.3 Company Overview – Vitality Health United Kingdom (UK)

A UK-based company called Vitality Health specializes in selling private medical insurance to the UK market. The business is a division of Discovery Limited, which also includes Vitality Life and Vitality Corporate Services in its UK insurance portfolio. [1] The business had about 1 million customers in the UK as of 2018.

One of the businesses under the Vitality Group International umbrella is Vitality Health.

Generali (Europe), Softbank & Sumitomo Life (Japan), Ping An Insurance (China), AIA Group (Asia and Australia), Manulife (Canada), John Hancock Financial (USA), and others are only a few of the international partners that the company has.

Customers in South Africa and the United States can now get genetic testing through Vitality, which has developed a business model based on behavioral economics and psychological rewards.

Industry	Health insurance
Founded	1994 (acquisition of Prime Health by Standard Life)
Headquarters	London, UK

5.4 Products & Services – Vitality Health United Kingdom (UK)

Personal Healthcare is the foundational protection provided by Vitality, to which additional coverage and excess can be added.

5.5 Contact Details – Vitality Health United Kingdom (UK)

You can contact company through,

Phone Number	0345 601 0072.
Address	VitalityHealth. PO Box 617, Darlington, DL1 9FF
Email	[email protected]
Official Website	http://www.vitality.co.uk/

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6. Aviva – United Kingdom (UK)

6.1  Why Its Highly Recommended – Aviva United Kingdom (UK)

The largest insurance provider in the UK is Aviva, which has 33 million subscribers worldwide. With a vast nationwide network, Aviva’s Healthier Solutions is a product that provides private medical care.

On Trustpilot, more than 18,000 customers gave Aviva a “Excellent” rating and 4.7 stars. 76% of all reviewers thought it was simple and quick to use the services provided by the insurance.

6.2  Benefits – Aviva United Kingdom (UK)

By selecting this medical insurance, according to our evaluation of Aviva Health Insurance, you can enjoy the following advantages:

1. Total care for all of your cancer treatment requirements.
2. Assistance through Expert Select.
3. MyHealthCounts is a web-based health and wellbeing service.
4. Access to GP appointments and more with the Aviva Digital App.
5. Money saved on gym services.
6. Professional stress counselors are available around-the-clock.
7. Aid for mental health.

6.3  Company Overview – Aviva United Kingdom (UK)

A worldwide insurance firm with its main office in London, England is called Aviva plc. Almost 18 million people use it in its three main markets, the UK, Ireland, and Canada. Aviva is the biggest general insurance and a top supplier of life and pensions in the United Kingdom. Moreover, Aviva is Canada’s second-largest general insurer.

With partnerships and joint ventures with other companies, Aviva also has a focus on the developing economies of China and South East Asia. Aviva is a component of the FTSE 100 Index and has its primary listing on the London Stock Exchange.

Industry	Financial services
Predecessor	CGU plc Norwich Union
Founded	1696 as Hand in Hand Fire & Life Insurance Society. 2000 as Aviva plc (by merger).
Headquarters	London, England, UK

6.4  Products & Services – Aviva United Kingdom (UK)

Aviva provides two types of covers, which are:

1. Diagnostics Insurance
2. Private Health Insurance

6.5  Contact Details – Aviva United Kingdom (UK)

You can contact company through,

Phone Number	0800 068 3827
Address	St Helen’s, 1 Undershaft, London EC3P 3DQ.
Email	[email protected]
Official Website	https://www.aviva.co.uk/

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7. Cigna – United Kingdom (UK)

7.1 Why Its Highly Recommended – Cigna United Kingdom (UK)

Due to its reputation for offering thorough coverage and top-notch international healthcare services, Cigna is highly recommended for health insurance in the UK. Cigna is a great option for people who frequently travel or reside abroad because it provides a variety of insurance options, including international health insurance.

 Its dedication to providing high-quality treatment and accessibility worldwide, together with a large network of healthcare professionals, guarantees that policyholders receive excellent medical care wherever they may be. Cigna is a popular choice for people looking for trustworthy health insurance in the UK due to its focus on client happiness and global competence.

7.2  Benefits – Cigna United Kingdom (UK)

The Benefits of Cigna Health insurance include,

1. With extensive coverage and access to medical services both in the UK and abroad, Cigna provides worldwide health insurance.
2. Policyholders of Cigna have access to a variety of physicians, specialists, and hospitals because to the company’s extensive network of healthcare providers.
3. Customers are well-served by Cigna, which offers support and advice to policyholders at every step of their healthcare experience.
4. Cigna frequently provides information and wellness initiatives to assist policyholders take charge of their health and stay healthy.
5. Policyholders can easily receive care and manage their health online thanks to Cigna’s digital tools and services, which include health tracking applications and telehealth consultations.

7.3  Company Overview – Cigna United Kingdom (UK)

A major player in the UK, Cigna is a multinational provider of health services. In the UK, Cigna provides a variety of wellness and health insurance options. In order to meet different healthcare demands, they offer health insurance policies for individuals, families, and corporations.

Type	Health Services and Insurance Provider
Founded	Cigna was originally founded in the United States in 1982, but it has since expanded its operations internationally, including in the UK.

7.4  Products & Services – Cigna United Kingdom (UK)

Following Health Insurances are provided by the company,

1. Individual Health Insurance
2. Family Health Insurance
3. Business Health Insurance
4. International Health Insurance

7.5  Contact Details – Cigna United Kingdom (UK)

You can contact company through,

Phone Number	01475 753333.
Address	Aldermanbury Square 13TH Fl 5, London, Greater London, EC2V 7HR, United Kingdom
Email	[email protected].
Official Website	https://www.cignaglobal.com/

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8. WPA – United Kingdom (UK)

8.1  Why Its Highly Recommended – WPA United Kingdom (UK)

A UK-based healthcare company called WPA specializes in offering private insurance to all people, including singles, families, and small enterprises.

8.2  Benefits – WPA United Kingdom (UK)

The advantages listed below are available to you if you have WPA health insurance:

1. Private healthcare plan that is customizable.
2. You have a choice as to when, where, and with whom you receive treatment.
3. Using the WPA Health app, immediate claim response.
4. Four highly regarded worldwide standards have been met by them.

8.3  Company Overview – WPA United Kingdom (UK)

WPA, or Western Provident Association, is a Somerset County-based non-profit provider of private health insurance. WPA Protocol Plc, a subsidiary of it, manages corporate healthcare trusts. To pay for its members’ medical expenses, a group of employees established the Reading Work People’s Voluntary Hospital Contributory Fund in 1901. It united with the Bristol Hospital Fund in 1939, and the Western Provident Association was given that name in 1949. (WPA). WPA relocated from Bristol to a newly constructed structure in Taunton, Somerset, in 1992.

Industry	Health insurance
Founded	1901
Headquarters	Taunton, Somerset, UK

8.4  Products & Services – WPA United Kingdom (UK)

WPA offers a variety of policies. For you and your family, options available include:

1. Flexible Health:

 There are three options under this level:

1. Essentials
2. Premiere
3. Elite
4. Multi-Family Healthcare

For small and medium businesses, the following options are available:

1. Enterprise Flexible Benefits – 2 or more employees
2. Enterprise Health – 10 or more employees
3. Precision Corporate Healthcare – 30 or more employees
4. NHS Top-Up – 3 or more employees

The insurer offers healthcare for large companies too.

8.5  Contact Details – WPA United Kingdom (UK)

You can contact company through,

Phone Number	01823 625050
Address	Rivergate House Blackbrook Park, Taunton, Somerset, TA1 2PE, United Kingdom
Email	[email protected]
Official Website	https://www.wpa.org.uk/

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9. Saga – United Kingdom (UK)

9.1  Why Its Highly Recommended – Saga United Kingdom (UK)

Plans from Saga are created with people over 50 in mind. It has been offering high-quality health insurance, which can bring in more money from customers who value the better level of service.

About 27,000 users have given Saga 4.4 stars and a “Good” rating on Trustpilot, with the majority of them claiming that the service is straightforward and simple to use.

9.2 Benefits – Saga United Kingdom (UK)

Benefits of Saga includes,

1. You can seek a diagnosis from a specialist after a Doctor referral.
2. Enables access to individualized care.
3. You have the option of receiving treatment in a private hospital.
4. You can heal from your sickness in quiet alone.
5. No end to the number of doctor’s appointments.

9.3 Company Overview – Saga United Kingdom (UK)

Saga is a British business dedicated to meeting the requirements of people in their 50s and older. There are 2.7 million users. Enbrook Park and Priory Square are two of the business’s locations along the coasts of Kent and Sussex. On the London Stock Exchange, it is traded.

Industry	Insurance Travel Financial services
Founded	1951
Headquarters	Folkestone, Kent, United Kingdom

9.4 Products & Services – Saga United Kingdom (UK)

Saga provides following plans,

1. Saga HealthPlan Super
2. Saga HealthPlan Secure
3. Saga HealthPlan Saver Plus
4. Saga HealthPlan Support

9.5 Contact Details – Saga United Kingdom (UK)

You can contact company through,

Phone Number	0800 028 1701
Address	Sandgate, Enbrook Park, 19 Bybrook Field, United Kingdom
Email	[email protected]
Official Website	https://www.saga.co.uk/

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10. Health-on-line – United Kingdom (UK)

10.1 Why Its Highly Recommended – Health-on-line United Kingdom  (UK)

A rapidly expanding insurance company called Health-on-Line wants to offer simple policies and demystify what they perceive to be a complex field of work. They provide core cover, which provides options for you according on your demands and financial situation. AXA PPP healthcare has partnered with Health-on-Line.

More than 580 consumers have reviewed Health-on-Line on Trustpilot, giving it a “Excellent” TrustScore of 4.1 Stars. The majority of these customers thought the services were simple to use and convenient to obtain.

10.2 Benefits – Health-on-line United Kingdom (UK)

The insurance company in question offers services to both people and small enterprises, with AXA PPP healthcare handling the underwriting. The following benefits are provided by Health-on-Line:

1. You get a personalized account management service when you purchase insurance from Health-on-Line.
2. Access to a 24-hour medical helpline is provided.
3. Your policy can be managed online.
4. Centers run by Nuffield Health offer a 40% discount.
5. A 25% discount is available on health assessments.

10.3 Company Overview – Health-on-line United Kingdom (UK)

A variety of health insurance products and services are offered by the UK-based health insurance provider Health-on-Line.

Industries	Health Care
Founded Date	1988
Headquarters	Europe, Middle East, Africa (EMEA)

10.4 Products & Services – Health-on-line United Kingdom (UK)

Health-on-Line has several plans under its Personal and Business levels for you to choose from. The Personal level health insurance has the following plans:

1. Health For You
2. Personal Health
3. Inspire

The Business level health insurance has these plans:

1. Business Protect
2. Business Health

10.5 Contact Details – Health-on-line United Kingdom (UK)

You can contact company through,

Phone Number	01202 544 444
Address	Bournemouth, Kingdom
Email	[email protected]
Official Website	https://www.health-on-line.co.uk/

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11. Freedom Health Insurance – United Kingdom (UK)

11.1 Why Its Highly Recommended – Freedom Health Insurance United Kingdom (UK)

Customers in the UK and abroad have been able to purchase private medical insurance with Freedom Health Insurance thanks to its numerous policy alternatives. On Trustpilot, 237 customers have given the insurance company a “Average” rating and 3.2 stars.

11.2 Benefits – Freedom Health Insurance United Kingdom (UK)

Benefits of Freedom Health Insurance are,

1. Identical pricing in every location.
2. After the first child, there is no additional fee.
3. Any question or need for advice can be directed to the same customer support professional.
4. 6% off of yearly fees.

11.3 Company Overview – Freedom Health Insurance United Kingdom (UK)

Private health insurance company Freedom Health Insurance is established in the UK and provides a variety of health insurance goods and services.

Type	Health Insurance Provider
Founded	Freedom Health Insurance was founded in 2003 and has established itself as a specialist provider of private health insurance in the UK.

 11.4 Products & Services – Freedom Health Insurance United Kingdom (UK)

The subject medical insurance provider offers the following plans,

1. Freedom Elite Comprehensive Health Insurance
2. Freedom Essentials Cost-Conscious Health Insurance
3. Freedom Worldwide International Health Insurance

11.5 Contact Details – Freedom Health Insurance United Kingdom (UK)

You can contact company through,

Phone Number	44 800 999 2013
Address	County Gates House, 300 Poole Rd, Westbourne, Poole BH12 1AZ, United Kingdom
Email	[email protected]
Official Website	https://www.freedomhealthinsurance.co.uk/

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12. The Exeter – United Kingdom (UK)

12.1 Why Its Highly Recommended – The Exeter United Kingdom (UK)

The subject insurer, formerly known as Exeter Family Friendly, is now known as The Exeter and provides insurance plans for people of all ages. The distinguished insurer offers a wide range of products, including life and income protection insurance and health insurance.

12.2 Benefits – The Exeter United Kingdom (UK)

The following advantages are yours if you use The Exeter’s health insurance plan:

1. GP appointments made online.
2. The ability to use the HealthWise app.
3. Health guidance
4. Assistance with mental health
5. Physiotherapy
6. Consultations with licensed and qualified dieticians.
7. Consultations on nutrition and lifestyle.

12.3 Company Overview – The Exeter United Kingdom (UK)

The Exeter is a healthcare and protection insurance service provider. The Exeter Family Friendly was founded in 1927.

Industries	Financial Services Health Care Insurance Service Industry
Headquarters Regions	Europe, Middle East, and Africa (EMEA)
Founded Date	Jan 1, 1927
Legal Name	Exeter Friendly Society Limited

12.4 Products & Services – The Exeter United Kingdom (UK)

Exeter Health+, a private health insurance option offered by the Exeter, comes with a variety of advantages, such as the ExeterWise app and remote Doctor consultations, in addition to others.

12.5 Contact Details – The Exeter United Kingdom (UK)

You can contact company through,

Phone Number	0300 123 3203
Address	Lakeside House, Emperor Way, Exeter EX1 3FD, UK
Email	[email protected].
Official Website	www.the-exeter.com/

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13. FAQs – Health Insurance United Kingdom (UK)

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14. Conclusion – Health Insurance United Kingdom (UK)

In conclusion, the National Health Service’s comprehensive public healthcare system in the United Kingdom is supplemented with health insurance (NHS). While the NHS provides residents with free medical care, private health insurance is crucial in delivering further benefits like faster access to experts and non-NHS therapies.

Individual needs, choices, and circumstances ultimately determine which health insurance provider and plan are best. The UK’s wide selection of health insurance companies gives solutions to suit a variety of healthcare requirements, ensuring that people and families may get the treatment they need with peace of mind. Whether seeking specialized care, overseas coverage, or wellness programs.

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