Pay a fair market price
UK private medical insurance premiums have risen sharply in recent years. Comparing your renewal against the wider market through our partners often surfaces materially better-value cover.
UK Private Medical Insurance
Switch health insurance in the UK and pay less for better cover
Comparing your current private medical insurance against the wider UK market takes about a minute. Our recommended partners can show you what you'd pay today — and confirm whether your existing conditions stay covered.
- Compare quotes from leading UK PMI providers through our partners
- Keep cover for existing conditions with Continued Personal Medical Exclusions
- No phone calls required — receive your comparison by email
- Free service with no obligation to switch
Your quotes are prepared by our FCA-regulated partners — we are an introducer only.
★★★★★
Rated by our visitors · Example — replace with Trustpilot widget
FCA-regulated partners
UK GDPR compliant
60-second comparison
Free & no obligation
Comparing quotes from leading UK private medical insurers including
Bupa
Aviva
AXA Health
Vitality
WPA
The Exeter
Freedom Health Insurance
Saga Health
Insurer names shown for reference only. We are not affiliated with these providers — quotes are prepared by our recommended FCA-regulated partners.
Why switch
Why thousands of UK households review their private health insurance every year
Premiums rise. Health needs change. Insurers compete on different things. A 60-second comparison through our partners shows whether you're still on the right policy.
Keep cover for existing conditions
Continued Personal Medical Exclusions (CPME) transfers your existing underwriting, so conditions already covered remain covered. Our partners' advisers confirm which insurers will accept CPME for you.
Match cover to your life today
From mental health support to outpatient diagnostics, modern UK policies vary widely. Our recommended partners help you weigh inclusions against price so the policy fits the way you actually use healthcare.
Faster specialist access
Hospital networks, consultant lists and direct-access services differ by insurer. Switching can open shorter waits for the specialists and treatments most relevant to you.
New-customer pricing
UK insurers commonly reserve their best pricing for new business. Reviewing the market through our partners often beats a like-for-like renewal quote, even before changing cover levels.
Switch at renewal — or sooner
Most people switch at annual renewal to avoid exit costs, but mid-term switches are possible. Our recommended partners' advisers will tell you whether the savings outweigh any costs in your case.
The opportunity
What "switching" actually looks like on a typical UK policy
A representative example based on UK PMI market dynamics. Your actual figures depend on age, postcode, cover level and medical history.
Renewal price (loyalty)
UK market average
Best partner quote
Illustrative figures based on UK PMI market dynamics — renewal inflation, new-customer discounting and tenure effects. Not a quote.
How it works
Switch health insurance in three steps
Nothing here is more complicated than a few clicks. The hard work happens at our partners' end.
1
Tell us a little about you
Age band, postcode, who needs cover, and your current insurer if you have one. The 60-second form sits at the top of this page.
2
Our partners build your comparison
Our FCA-regulated partners' advisers benchmark your details against leading UK insurers and put together a side-by-side comparison — including whether your existing conditions stay covered.
3
Decide on your own terms
You receive the comparison by email. If a switch makes sense, our partners arrange it. If it doesn't, you've lost nothing — there's no obligation either way.
60s
Average comparison form time
8+
Leading UK PMI providers reviewed by our partners
CPME
Existing conditions can transfer with you
£0
Cost to compare through our service
Why trust this service
Built around transparency, not pressure
We're a focused UK resource for one thing — comparing and switching private medical insurance. Here's how we keep that honest.
FCA-regulated partners
All advice, quotes and policy arrangements are handled by our recommended FCA-regulated UK partners — not by us.
UK GDPR & ICO aligned
We only collect what's needed for your comparison, share it only with our partners, and you can request access, correction or deletion any time.
No phone calls required
Comparisons come back by email. You're never cold-called, never auto-enrolled, and never pressured to take out a policy.
One job, done well
We don't do motor, home, life or pet. Only UK private medical insurance switching — which means our content, tools and partner network are built for it.
FAQs
Common questions about switching health insurance in the UK
Direct, plain-English answers to the questions UK consumers ask most often.
Yes. Most UK private medical insurers will accept new customers on Continued Personal Medical Exclusions (CPME) terms. CPME transfers your existing underwriting, which means conditions that are covered by your current policy will continue to be covered on the new one — without you having to re-disclose them. Our partners' advisers confirm which insurers will offer CPME based on your specific medical history.
Most switches complete within 24 hours to 2 weeks. After you submit the form, our partners typically return quotes within one working day. The new policy then starts the day your existing one ends, so cover is continuous.
Savings depend on your age, health history, location and the level of cover you want, but UK consumers who switch private medical insurance can often reduce premiums by 20–40%. Our partners benchmark your current cover against the wider market to show whether — and how much — you'd save.
Yes. Submitting the form and receiving your comparison is completely free, with no obligation to take out a new policy. Any policy you decide to take out is arranged directly between you and our regulated partners.
The most efficient point is at your annual renewal, because it avoids any cancellation fees and keeps your policy continuous. Mid-term switches are also possible, and our recommended partners can review whether the savings on offer outweigh any exit costs in your case.
Not necessarily. If you switch on CPME (Continued Personal Medical Exclusions), your existing underwriting transfers across. If you choose Full Medical Underwriting (FMU) with a new insurer, you'd disclose your medical history afresh — sometimes worthwhile if it unlocks wider cover for previously excluded conditions.
Tools & guides
Run the numbers and read the guides — then decide
Use the calculator to get an evidence-based savings estimate in 30 seconds, or read the guides for plain-English background. Either way, your full comparison comes from our partners.
Savings calculator
Plug in your current premium, age and length of cover — get an instant evidence-based estimate of your annual saving range.
Open the calculator →Bupa vs Aviva vs AXA
A side-by-side look at three of the UK's biggest private medical insurers — hospital networks, mental health, apps and pricing.
Read the comparison →CPME explained
The mechanism that lets you switch UK private medical insurance without losing cover for existing conditions, explained simply.
Read the guide →
What people are saying
Real quotes from real switchers
The quotes below are illustrative placeholders. Replace each with a verifiable customer review before going live — FCA & ASA rules require all testimonials to be genuine and capable of substantiation.
Example — replace
★★★★★
"Renewal came in at over £200 a month. Submitted the form, the partner came back with a better policy at £140 the next day. Switched without losing my asthma cover."
SRSarah R. · Manchester · Family of 4
Example — replace
★★★★★
"I expected a pushy phone call. Got a clear side-by-side email instead. Saved about £400 a year on my Bupa policy by moving to Vitality on CPME terms."
DJDavid J. · Bristol · Self-employed
Example — replace
★★★★★
"Useful even though we didn't switch in the end. Comparison confirmed our existing AXA policy was competitive once I'd factored in the hospital list."
PMPriya M. · London · Couple cover
Heads-up for the site owner: swap these for genuine customer reviews (e.g. Trustpilot, Google) before launch. Misleading or invented endorsements can breach FCA Principle 7 and ASA / CAP code rules on testimonials.
Find out what you'd pay today
A 60-second comparison through our partners is the simplest way to check you're not overpaying for UK private medical cover. Free, no obligation, and your existing conditions can transfer with you.
Compare my quotes