Compare our best comprehensive health insurance

You could get a better standard of medical care with comprehensive health insurance. Find a policy that could cover treatment for illness or injury.

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  • Compare multiple providers to find the best deal for you
  • Extras: dentistry, eyecare, physiotherapy, mental health care

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Put in your details to compare policies, then choose the deal from our results table that best suits your lifestyle and the needs of you or your family.


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You'll be asked for your personal information, existing health conditions and your medical history.


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Last updated: 13 May 2022

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What is comprehensive health insurance?

Comprehensive health insurance pays for private medical treatment for health conditions. Access to treatment can be faster than on the NHS.

Comprehensive health insurance covers more conditions and treatments than other policies.

Your policy could cover things such as:

  • treatment for cancer, such as chemotherapy

  • optical and dental care

  • physiotherapy

  • mental health care

  • alternative therapies, such as acupuncture

What does comprehensive health insurance cover?

When you take out health insurance, you can choose different levels of cover. The highest level is comprehensive health insurance.

Basic health insurance 

This is the cheapest kind of policy. It only pays for inpatient treatment, which is when you stay in a hospital bed for treatment or tests. It may also cover related costs.

Medium health insurance 

This covers inpatient and outpatient treatment. It’s a middle ground in terms of cost.

Comprehensive health insurance 

This is the most expensive type of health insurance policy. It covers inpatient and outpatient treatment, and can also pay out for more conditions

Can I still use the NHS even if I have comprehensive medical insurance?

Yes, of course. Your rights to use the NHS don’t change. If you fall ill or get injured, you can either use the NHS or claim on your comprehensive health insurance.

What’s not included in comprehensive medical insurance?

Each company offers different comprehensive policies. And every policy has different rules on what private healthcare they pay out for and what’s excluded.

Some providers include cover for non-standard treatments. Others let you add them as extras, but charge higher premiums. Many policies don’t give you cover for emergency healthcare.

What happens if I have a pre-existing condition?

Most policies restrict their payouts for pre-existing conditions. These are usually conditions for which you’ve had treatment or symptoms in the last five years. Examples could include:

  • diabetes

  • high blood pressure

  • heart disease

  • asthma

  • osteoarthritis

  • strokes

  • cancer

  • back pain that required surgery

How to buy comprehensive sickness insurance

First, decide which treatments and symptoms you want your comprehensive health insurance policy to cover. Then find a policy online using our broker, who can get you quotes and offer advice on choosing the best policy.

Once you’ve got several quotes, check they offer the cover you need, then you can choose the one with the lowest monthly price. It’s more important to get the right cover than it is to get a cheap policy. 

How much does comprehensive health insurance cost?

Every provider and policy differs in price, but the factors that might affect the cost are:

  • Your age: the younger you are, the cheaper your comprehensive medical insurance is

  • Your medical history: your general health may be taken into account

  • Your lifestyle: whether you smoke, exercise or drink alcohol can impact the price

  • Where you live: policies are dearer in certain locations, such as London 

Can I get cheap comprehensive health insurance?

The most important thing is to get the right level of cover, otherwise you’ll be paying monthly and might not be able to make a claim when you need to.

There are some steps you can take to reduce the price of your policy. For example, you could:

  • Increase the voluntary excess: this is a fee you pay when you make a claim. If you raise this, you may be able to reduce the cost of your monthly premiums. However, make sure you can afford the excess if you need to claim

  • Get less cover: you could choose a basic or medium health insurance policy. This is cheaper but doesn’t cover as much

  • Reduce your hospital list: when you claim, you can choose from a list of hospitals supplied by your insurance provider. If you reduce the list, you may be able to lower your premiums

  • Go for a six-week option: some policies have a six-week clause, which means you can only claim if the NHS is unable to treat you within six weeks. These policies are cheaper

Why would I need comprehensive health insurance when we have the NHS?

Comprehensive health insurance offers some benefits that you don’t get with the NHS. For example, you can benefit from:

  • a wider choice of tests and treatments, some of which aren’t available on the NHS

  • shorter waiting times

  • private rooms and more comfortable hospital stays

  • more control over when and where you’re treated

Can I cover my partner when I buy comprehensive sickness insurance too?

Yes. You can get a single policy or a shared policy. If both you and your partner are taking out comprehensive medical insurance, you might find it simpler to have a shared policy. It means you both have the same cover and liaise with the same provider.

The types of comprehensive medical insurance you can get are:

  • individual health insurance just for you

  • joint health insurance for you and your partner

  • family health insurance for the whole family

  • child health insurance just for your little ones

Comprehensive health insurance FAQs

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Why compare health insurance with

By comparing health insurance, you could save money on the policy. The best value health insurance will offer the cover to you and your family need at an affordable price. Choose a cover plan from the best UK health insurance companies and see the online discounts they offer.

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