Health Insurance Companies in the UK

Looking after yourself and your loved ones can be expensive, especially if an unexpected health problem pops up.

We love our NHS, but the past year has highlighted how overstretched and underfunded it is. While the thought of waiting on a list to receive a lifesaving treatment is a scary one, the cost of going private without insurance is just not a possibility for everyone.

Having a comprehensive health insurance policy means you can access all the treatments you need, without any hidden costs. By paying a premium every month, you can save money in the long run.

At Hooray Health & Protection, we don’t just want to help businesses get the best policy for the best price, so here are some of our favourite UK health insurance companies offering individual policies:



AXA PPP emphasises wellness as a combination of mental and physical health. They also offer a unique hybrid of NHS and private medical care.

If you go for this package, you will be covered only when the NHS waiting list is 6 weeks or longer and will pay a lower premium in return.


  • Aviva 

Aviva gives you the choice to either choose where you’re treated or leave it up to the experts.

If you want to make sure you can be treated at your local hospital, Aviva let you make a list of acceptable hospitals when you take out the policy.


  • Bupa 

Bupa offers pay-as-you-go services, so even if you don’t want to take out a comprehensive policy, you might still be able to access private medical care when you need it.

As well as pay-as-you-go, Bupa offers fantastic rates on policies, including family packages. Their 24/7 support service lets you get answers to your questions big or small whenever you need.


  • Freedom Health

Freedom Health is a great option for anyone that travels a lot. Their premium policies allow you seamless cover abroad or in the UK.

They also have an affordable option that offers you a cash benefit when you need treatment, so you can decide where and what that treatment is. Even if you decide to go with the NHS, they will still give you 50% of the money!


  • Vitality

 Vitality has several addons, so you can personalise your cover however you like.

Their mental health cover includes 28 days of residential mental health treatment and unlimited talking therapies. They also offer supplementary therapies cover, including acupuncture, homoeopathy and nutrition.

Vitality has two levels of dental cover, the highest of which includes routine check-ups and fillings.


  • WPA

WPA also let you tailor your policy to your needs, and they pride themselves on their consistently high customer service.

Their multi-family healthcare policies let you cover your parents and children on the same policy, even if

WPA also offer a cashback option for treatments received on the NHS. This option lets you claim routine therapies, check-ups and treatments, and even includes NHS parking!


Which health insurer is best for you?

The perfect policy is different for everyone, but there is one out there for everyone. Our experts at Hooray review the market to help you find your perfect policy for the best price.

A review is completely free, and you won’t pay more than you would by going directly. You will, though, have more options, because many insurers don’t sell individual policies directly!

So, give us a call on 01273 222805 to talk through your options with one of our friendly experts!