The health insurance sector in the United Kingdom has been changing constantly as insurers alter their plans to satisfy the needs of their customers. But in most cases, they are removing specific options.
There are many options and businesses; comparing the basics insurance companies offer can be difficult. Though you'll be able to find various market comparison sites on the Internet, the vast majority don't allow you to quickly search for multiple businesses without filling in all the information required for any quote
Based on the findings of the Association of British Insurers, 2016 was the year that the number of health insurance companies was 340—firms based within the UK as well as 563 across Europe. The numbers by 2021 are likely to increase significantly.
The report reviews 10 of the top health insurance providers throughout the UK. Each article will briefly overview the company, a quick overview of its insurance coverage through its main products, and additional information about its achievements and accolades.
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Table of ContentsHide
- 1 Allianz
- 2 Aviva
- 3 AXA
- 4 Bupa
- 5 Exeter
- 6 Freedom
- 7 General & Medical
- 8 Saga
- 9 Vitality
- 10 WPA
- 11 Where can I find the highest-quality and private medical care within the UK
Allianz
Allianz is an international German insurance company and is among the top providers worldwide. Their policy is centered on medical insurance plans for patients in other countries available across the UK and several nations worldwide.
Allianz gives customers access to three insurance options. These plans are called Care Pro, Care Plus, and Care.
The plans could include:
- Inpatient & day-patient cover
- Insurance coverage for outpatients can be arranged.
- Emergency treatment
- Medical evacuations
- Hospital rooms in private hospitals
- Expat Assistance Program
- Security and safety services for travelers
It has also carried out an extensive amount of work supporting efforts to protect the natural environment. In the end, the company has lowered its carbon dioxide emissions by working to identify environmentally sustainable investments and low-carbon technology solutions that can last for many years in the future.
In 2019, Allianz won a "Business Sustainability/Corporate Social Responsibility Initiative of the Year" award at the British Insurance Awards for their efforts and achievements in this field.
Aviva
Aviva is a multinational insurance provider with its main office in London. It provides policies to more than 33 million people around the globe, most within the European and Asian markets.
Its health insurance policies comprise three plans. The plans include Cancer Pledge, Expert Select, and Well-being Services.
The security offered by these plans includes:
- Outpatient cover
- In acute conditions
- Hospitals that have access to a multitude of across the UK
- Cancer care cover
- Hospital fees and doctor's fees
2020 witnessed Aviva paying PS30 billion in benefits and claims and investing over PS11 billion worth of green assets.
Aviva is working in partnership with the British Red Cross in a successful collaboration awarded in 2016. The primary goal of this collaboration is to help people in need and provide an array of strategic guidance and assistance.
AXA
AXA is a French multinational insurance company, one of the most important UK health insurance companies. AXA is most active in Western Europe, North America, and the Indian-Pacific region.
The main cover covers:
- Complete inpatient & day-patient cover.
- Outpatient coverage is also available.
- Hospitals that have access to over 250
- Fast Track Appointment Service
- Access to particular cancer drugs
- Unlimited GP consultations can be arranged via the Internet and by phone.
- Second Opinion Service
- Online access is free to Health Centres
AXA launched The Health Tech & You Awards in 2014 to celebrate the achievements and advances that occur every year in the health sector. They were also recognized as a health insurance provider of the Year title in the annual Moneyfacts Consumer Awards.
They've pledged PS250 million for over 650 research and development-related products through the AXA Research fund and organize diverse events throughout the year to aid various charities.
Bupa
Bupa is a health and insurance business based in the UK with over 80,000 employees and over 31 million clients worldwide. They're an expert in helping and defending those who suffer from mental illnesses as well as offering a variety of choices for health insurance through companies such as Bupa Global.
Health insurance's primary coverage includes:
- Inpatient & day-patient cover
- Patients who do not require hospitalization can get coverage.
- You can choose your physician of choice
- Private rooms in hospitals
- Therapies for mental health and well-being
- Personal dental care after six months
- Treatment for cancer that is specific to the patient
- Private physiotherapy, various therapies as well as other therapies, and
Bupa gives more complete medical coverage than most health insurance providers in the UK and offers a variety of options regarding treatment options and support for anxiety, depression, addiction, and other ailments.
Bupa was also ranked as the fifth-best employer in the UK, according to LinkedIn.
Do you want health insurance but are confused about where to begin? Consult with the experts on Hooray Health & Protection. As a member of the AMII and the AMII, we are dedicated to providing the best advice to our customers. Email fiansoalgeriano@gmail.com or use the chatbox on the right.
Exeter
Exeter is among the Devon health insurance companies based in Devon that is managed by a friendly society rather than a conventional company. The name defines an insurance mutual.
The principal Exeter health insurance product, Health+, contains the following:
- Inpatient & day-patient treatment
- Coverage for outpatients is not required.
- Unlimited cancer insurance
- NHS cash benefit
- Private ambulances
- Home Nursing
- The parents' home
It's worth noting that Exeter's insurance offerings received numerous awards during the past few years. These include income protection, like private medical insurance, life insurance policies for individuals, and many other products.
The comparison of Exeter's offerings with those of competitors can allow Exeter to ensure that its clients pay the lowest rates in the insurance industry for health care.
Freedom
Freedom is a highly regarded private health insurance company in the UK that was established in 2003. They specialize in providing cheap, flexible, affordable healthcare insurance.
Three insurance options provide diverse levels of protection. The three options include Freedom Elite, Freedom Essentials & Freedom Worldwide.
Freedom Elite covers:
- Patients who are inpatients or daytime patients are protected.
- Cancer Cover
- Pregnancy complications
- NHS cash benefit
- Private ambulances
- Benefits in cash during Maternity
- MRI, CT, and PET scans
- Home Nursing
- The dental procedure
Freedom Essentials offers a fixed sum, a cancer cash reward, and optional outpatient insurance. Freedom Worldwide is focused on international medical insurance and offers numerous of the same benefits.
Freedom offers its customers a discounted rate of 6% off the entire year's payment for all plans and 2-year fixed-price policies, guaranteeing the coverage won't go upwards.
General & Medical
General & Medical Insurance is a UK health insurance firm wholly owned by General & Medical Securities Group. They have various plans to cover health worldwide for people, families, and business owners.
The company offers four insurance plans: Essentials Life Everyday, Lifestyle, and Elite.
The plans could include the following information:
- Inpatient cover
- Outpatient cover
- Cancer treatments
- Health & well-being services
- NHS cash benefit
- The Stress Helpline
General & Medical is the most sought-after medical insurance available to the Association of Surgeons of Great Britain and Ireland members.
They also provide a variety of medical plans as well as insurance options that protect you from accidents, employees, and other individuals working within the sporting sector.
Saga
Saga is an insurance company in Kent with over 2.7 million customers. The products they offer are targeted at healthcare insurance for people over 50. market. They also provide a variety of insurance options that offer coverage for travel.
Saga offers four health insurance plan options: Super Secure, Saver Plus, and Support. They all come with different amounts of insurance as well as additional costs.
Their most essential aspects on the covers include:
- Inpatient & day-patient cover
- The coverage is offered to patients that aren't inpatients.
- Saga GP Service allows users to talk with a doctor anytime.
- It is possible to get access to numerous private hospital
- Rehabilitation care after treatments
- NHS cash benefit
- Dental injuries benefit
- External prosthetics can be beneficial
- Cancer Care Team support
They are also the co-founders and the owners of Saga Magazine, a trendy monthly magazine distributed throughout the UK.
Vitality
Vitality is an insurance company for private healthcare, which has its main office in London and sites in Bournemouth and Stockport. It's an affiliate of Discovery Limited, a South African company that provides financial services.
The foundation of their healthcare coverage is:
- Inpatient & day-patient cover
- Cancer insurance
- In acute conditions
- Private hospitals are private, and hospital stays are not mandatory.
- Health care support for those who are mentally or physically
- Menopause support
- The promise of complete coverage
- Health professionals can offer advice through Vitality Care.
- Access online to GP consultations and the support line is open 24 hours to Vitality GP.
Vitality has received various awards from the insurance industry, including The British Insurance Award 2020 and the Customer Cover Awards of 2019 for their work, which shows they're one of the best providers of private healthcare insurance UK service companies.
WPA
Western Provident Association is a non-profit health insurance company headquartered in Somerset in the UK. They also have WPA Protocol, a subsidiary firm specializing in healthcare trusts that are the status of a corporation.
WPA provides WPA's health insurance policy comprised:
- Inpatient & day-patient cover
- Outpatient cover
- Cancer care
- NHS hospital cash benefit
- Access to 24/7 a private GP helpline
- Employee Assistance Program
- Private ambulance transport
- Home Nursing
WPA has reached the settlement amount of PS0.8 billion of claims over the last ten years, and they've also managed to maintain an outstanding satisfaction rate of 4.7 out of 5 on Trustpilot.
What is the most effective private healthcare provider in the UK
There are only a few of the most reputable firms. As mentioned, many insurance firms operate in the UK and provide various products and policies.
There is a lot of research you can conduct by yourself. But it will take an enormous amount of time and effort! We recommend to seek advice from an expert. A reputable insurance broker can find the best private health insurance policy to suit your needs without searching online for information.
If you're seeking assistance from an insurance agent to determine the ideal private health insurance plan, Hooray Health & Protection can help.
Our knowledgeable team is committed to making obtaining insurance as straightforward as possible for our clients. I will gladly answer any questions regarding the private health insurance you purchased. Contact us via 'Speak to us to left', or call 02073-222805.