Health Insurance | Money Service

Home
Private health insurance

Private health insurance

Helping you choose private health insurance with confidence.

Safe, secure and confidential

Home
Private health insurance

Specialist advice with a great choice of insurers

Whether you're buying health insurance for the first time or reviewing existing cover, we're here to help you make a confident decision.

We help you compare and choose cover from top insurers like Bupa, AXA, Aviva and Vitality. And to maximise value-for-money, we’ll help you strip away unnecessary extras you don’t need and find the latest joining discounts, cashback and member rewards.

There are no fees for this great service - just one-to-one impartial advice to make sure you get the right cover at the right price.

Talk to an adviser today - call us on 0800 144 4777 or request a call back at a time that suits you.

Private health insurance gives you more control over your healthcare – letting you choose when and where you’re treated, and giving you the reassurance that you’ll be looked after when it matters most.

You can access faster diagnosis and treatment, choose from a wider range of specialists, and take greater control over your health and wellbeing.

Get quicker access to GP referrals, consultations, tests and scans, helping you move from symptoms to treatment sooner.

Health insurance gives you more say in where and how you’re treated. Choose from a wider range of consultants and specialists at private hospitals, plus access treatments that may not be available on the NHS.

Experience the comfort of private hospital rooms with on-site chefs, get parent accommodation if your child needs to stay overnight in hospital, plus 24/7 healthlines offering round-the-clock support.

Explore different health insurance policies to find cover that perfectly matches your needs and budget.

Individual cover helps you see specialists, get tests and start treatment faster. Getting cover just for yourself means you can choose a policy that perfectly matches your own circumstances and budget.

Family plans let you cover two or more people under one policy, helping you all get quicker access to diagnosis and treatment when it’s needed most. It gives you great peace of mind about the health of the people you care about.

Private health insurance for children gives you reassurance that potentially expensive private treatment and care are covered if they need it. They’ll have access to high-quality specialists and hospitals with shorter waiting times and more comfort.

From SMEs to larger companies, you can set up a highly tailored plan that provides private medical cover for your team. Health insurance supports their wellbeing, and may help them get back to good health – and back to work – sooner.

Get a great deal on health insurance with fee-free step-by-step support from an adviser. Call 0800 144 4777 or arrange a call back for a time that suits you.

Already have health insurance?

Thinking about switching health insurance from your current insurer to a new one that better suits you?

We can review your circumstances, premiums and needs, and recommend a more suitable policy when switching makes sense.

Learn more

Our advisers make health insurance simple and find great value cover that’s right for you.

Busy right now? Choose a day and time that suits you and we'll call you back.

Prefer to start online? Use our quick tool to get an initial health insurance quote in seconds.

Page updated on 11th September 2025

Yes, you can switch private health insurance providers, and it may help you find a more competitive price, better benefits, or cover that better suits your current needs. However, it’s important to review the details carefully before making a change.

Key things to consider include:

Continuity of cover: Check whether your new insurer will carry over existing medical underwriting or exclusions, especially if you have ongoing conditions.
Pre-existing conditions: These are likely to be excluded depending on the new provider’s terms.
Waiting periods: Switching can sometimes restart waiting periods for certain benefits, such as ‘baby bonuses’. It can also affect eligibility under moratorium underwriting, meaning pre-existing conditions may need to be symptom-free for a set period again before they become eligible for cover.
Fees and charges: Your current policy may include cancellation fees or exit charges.
Excess and costs: Your excess or monthly premium may change with a new plan.

Taking time to compare your current policy with other options will help ensure you don’t lose important cover when switching. Money Service offers a specialist switching service to help you find a more competitive deal or better cover than you currently have.

Private health insurance

Helping you choose private health insurance with confidence.

Specialist advice with a great choice of insurers

Invest in your health

Faster diagnosis

Specialist treatment

Extra support and comfort

Which health insurance plan is right for you?

Private healthcare for you

Cover for your loved ones

Health cover for kids