Private Health Insurance Broker
Independent advice, comparing the UK's leading insurers
A private health insurance broker compares policies from different insurers for you and explains the differences, so you can choose cover that fits your needs and your budget. Insured Health is an FCA-regulated broker that does exactly that, for individuals, families, the self-employed and businesses.
We compare policies from Aviva, AXA, Bupa, Vitality and more, explain what each one covers in plain English, and help you set up the policy you choose. Our advice is free.
- Independent advice from specialist health insurance brokers
- Compare policies from the UK's leading insurers
- Our advice is free, with no fees for our insurance services
- Free & no-obligation quote
Thank you, your quote request is submitted
One of our advisers will be in touch within 1 business hour during opening times.
All data stored securely. We never sell your information to third parties.
Or call us now: 0800 131 0400What does a health insurance broker do?
Choosing private medical insurance means weighing up insurers, benefit levels, excesses and hospital lists. A broker does that comparison with you.
Compares insurers
We look at policies from several insurers side by side, so you see the choice and not just one insurer's range.
Explains the small print
Underwriting, outpatient limits, hospital lists and exclusions explained clearly, before you commit to anything.
Matches cover to you
The right excess, the right benefits and the right hospital list for your circumstances and budget.
Sets up your policy
Once you have chosen, we handle the application and paperwork with the insurer.
Helps you switch
If you already have cover, we can compare alternatives and explain what a switch would mean for you.
Supports you at renewal
When your premium changes, we can review your options so you are not left to accept the increase.
Using a broker vs going direct to the insurer
Both routes get you a policy. The difference is how much choice and help you get on the way.
| Through a broker (Insured Health) | Going direct | |
|---|---|---|
| Choice of insurers | Several leading insurers compared side by side | One insurer's own policies |
| Advice | An adviser explains the options and answers questions | You choose from what the insurer shows you |
| Cost to you | Free advice. Premiums are the same as or lower than the insurer's own price | The insurer's quoted premium |
| Switching and renewal | We can compare alternatives when your premium changes | You review the market yourself |
How our broker service works
2
Speak to an adviser
An adviser calls to understand your needs, your budget and any questions you have.
3
Compare your options
We compare suitable policies from leading insurers and explain the differences.
4
Choose and get covered
You pick the policy and we help you set it up. There is no obligation to buy.
Health insurance we arrange
Choose the guide that matches your situation.
Individual health insurance
Cover built around you.
Family health insurance
One policy for the whole family.
Senior health insurance
Cover for over 50s and retirees.
Self-employed health insurance
For freelancers, contractors and sole traders.
Business health insurance
Group cover for your team.
Doctors & dentists
Cover for medical professionals.
We compare the UK's leading insurers
We search across the market so you get the right policy at the right price.
How to choose a private health insurance broker
Not all brokers work the same way. Before you hand over your details, check the following.
- They are regulated. Arranging insurance is a regulated activity, so check the firm on the FCA Register. Insured Health's FCA number is 774335.
- They compare more than one insurer. A broker tied to a single insurer is selling that insurer's products.
- They are clear about how they are paid. See how Insured Health is paid in our initial disclosure document.
- They explain the exclusions as well as the benefits. Pre-existing conditions, waiting periods and limits matter as much as the headline price.
- They have independent reviews. Read what customers say about Insured Health on Trustpilot below.
- They support you after you buy. Look for help at renewal and if you want to switch.
New to private medical insurance? Start with how private health insurance works and what it covers.
Health insurance broker frequently asked questions
A private health insurance broker compares policies from different insurers on your behalf and explains the differences, so you can choose cover that suits your needs and budget. Insured Health is an FCA-regulated broker. We compare policies from Aviva, AXA, Bupa, Vitality and more, and talk you through the options in plain English.
Using a broker like Insured Health will not cost you more than going direct. Our premiums are the same as or lower than the insurer’s own quoted price, and our advice is free. We also compare policies from several insurers, so you can see the options side by side and not just one insurer’s range. See our price guarantee for the terms.
We do not charge fees for our insurance-related services. We may receive a commission from the product provider. You can read the full details in our initial disclosure document.
An insurer, such as Aviva or Bupa, provides the policy and pays valid claims. A broker is an intermediary who helps you choose and arrange a policy. A broker can compare several insurers, while an insurer can only offer its own products.
Yes. If you already have private health insurance, we can compare alternatives and explain what switching would mean for your cover. In some cases it is possible to keep cover for conditions already included on your current policy. Read our guide to switching private health insurance.
Private health insurance is designed for new conditions that arise after your policy starts, so pre-existing conditions are usually excluded. What is covered depends on the insurer and on how your medical history is assessed. Our advisers explain this before you buy. See pre-existing conditions.
Your insurer authorises and pays claims, so you should use the contact details in your policy documents and get authorisation before treatment starts. We can explain how the process works and point you to the right team. See how to make a claim.
Yes. Insured Health Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 774335). You can check our entry on the FCA Register.
What Our Clients Say
We are proud to be trusted by clients across the UK for clear, independent health insurance advice. Our reviews reflect the personalised service, expert guidance and ongoing support we provide from first enquiry through to renewal.
"Amazing customer service very nice and polite made sure I understood everything that was explained would definitely recommend."
Mandy Jane - Trustpilot review
Ready to compare?
Speak to a health insurance broker today
Lines Open Mon–Thu: 10am–6:30pm, Fri: 10am–4:30pm