With a record number of people on NHS waiting lists, private health insurance is a great way to protect yourself and regain control of your health.
Get fast access to high-quality healthcare, leading medical consultants, and treatment for yourself, your family, or your employees.
Here's how health insurance can benefit you:
Request a comparison quote and get pricing from all of these leading providers and more.
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At myTribe, we regularly review the UK's leading providers and plans. Below are our top picks for 2025 based on policy benefits, independent customer reviews and industry awards.
Bupa and its Bupa By You Comprehensive is our top rated private health insurance policy for 2025. Bupa offers an exceptional product with unique benefits and excellent customer reviews. It’s accessible to people of all ages, being one of only a few insurers to accept new members after their 80th birthdays’.
1. Outpatient mental health treatment subject to your chosen outpatient limit.
2. Subject to Bupa’s covered conditions and underwriting terms.
3. Only applicable when an outpatient limit is applied.
Bupa UK currently has a rating of 4.4/5 from 30,527 reviews on Trustpilot as of 4 March 2025, which according to the reviews platform, suggests customers think it is “Excellent”. What’s encouraging isn’t just the score but the volume of reviews, which indicates a consistently high level of customer service.
WPA and its Complete Health plan is a very close runner-up in our private health insurance ratings for 2025, having occupied the top spot for the previous two years. We still believe it's an outstanding product, with excellent benefits alongside market-leading customer reviews.
1. Six sessions per year following assessment.
WPA currently has the best Trustpilot ratings of any provider in our private health insurance review. It scores an impressive 4.6/5 from 3,836 reviews and is rated “Excellent” as of 4 March 2025. WPA only provides health insurance and cash plans, making its reviews relevant. Customers frequently praise WPA, saying it is "quick to respond", "keep you informed", "is always prompt" and is "incredibly supportive".
The Exeter and its flagship private medical insurance plan, Health+, receive the full five stars from our experts in 2025, rating it as one of the best private health insurance policies currently available. Alongside an excellent product, The Exeter excels in clarity of information and has a fair stance on underwriting and no claims discounts.
This section outlines the key ways Exeter differs from other leading private health insurers.
The Exeter Health+ stands out when it comes to the fairness and clarity of its product information. For example, the decision between guided consultants, which restricts your treatment options in return for a lower premium, and a traditional hospital list is flagged first on its website, where many others leave this until last.
We've heard anecdotally from several private health insurance brokers that The Exeter is very precise with its underwriting, often excluding less than others. It also publicises precisely how its underwriting team will treat a range of conditions, which is fantastic transparency.
Having looked at all the insurers' no claims discounts in detail, we believe The Exeter has the best structure, that's the most appealing for those looking to control their premiums. With The Exeter, claims under £300 won't affect your no claims discount, and you'd need to claim over £2,000 in a policy year to fall the maximum three NCD levels.
The Exeter's outpatient benefits are flexible, more so than Bupa’s but less than WPA’s. What we particularly like is that you can choose between a combined outpatient limit or separate specialist consultations from diagnostics, with mental health cover and complementary therapies separate too.
Most insurers have apps for claims management and alike, but The Exeter's goes further and offers significant additional value for members. Alongside accessing The Exeter’s remote GP through the app, you also get up to six video sessions with a physiotherapist, mental health therapist, dietitian, and more.
The Exeter has mutual status, which means it is owned by its members (customers) and, without shareholders, can re-invest profits to benefit members and advisers. Alongside its health insurance products, The Exeter also offers life and income protection insurance.
1. Claims under £300 see you stay at the same discount level
The Exeter currently has a rating of 4.2 out of 5 on Trustpilot from just over 1,000 reviews as of 4 March 2025. The Exeter provides life insurance and income protection too, so visiting its profile and filtering the reviews with the word “health” or similar, should give you a better understanding of its customers' views of that product.
Vitality and its "Shared Value Insurance" business model doesn't merely provide health insurance but a programme of incentives and discounts to help members live healthily. Its flagship product, Personal Healthcare, gets a rating of 5.0 in 2025.
1. Up to 6 sessions of physiotherapy per plan year within Vitality’s network of providers. Up to 8 sessions of cognitive behavioural therapy or counselling within its Talking Therapies network.
2. Per plan year, for private prescriptions and minor diagnostic tests.
Vitality is rated 4.4/5 on Trustpilot, based on 47,557 reviews (as of 4 March 2025), which earns it “Excellent” status. However, these reviews cover all Vitality's services, not just its health insurance. Since it is not clear which reviews relate to private health insurance, you may prefer to visit Trustpilot to read the feedback for yourself.
Axa Health's private medical insurance, Personal Health, combines excellent core cover with numerous additional benefits and options for customisation making it a comprehensive product that will tick the boxes of many.
1. Claims less than your excess amount and cash benefits won’t affect your no claims discount.
Axa Health was established in 2020 when three brands: Axa PPP Healthcare, Health-on-Line, and Axa ICAS Limited, merged, specialising in offering health insurance. It is part of the AXA Group, one of the largest insurance organisations in the world.
Axa Health has a 4.1/5 Trustpilot rating from 13,559 reviews (as at 4 March 2025), all of which relate to its private health insurance. Its customers have generally praised its comprehensive policies and welcomed its professional service, but some reviews have criticised its online chat and app, and others mention claims delays.
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Get private medical insurance cover on the same day and avoid NHS waiting lists.
What’s specifically excluded will vary between providers and policies, but generally speaking, you can expect the following not to be covered:
This isn't an exhaustive list; please refer to your health insurance policy documentation for more details.
Our highly-rated partners help you find the best policy at the best price.
There's a lot to think about when choosing private health insurance. Here are 6 tips worth considering before getting a new policy.
An experienced health insurance broker can help you find a policy tailored to your budget and requirements.
There are a couple of ways you can buy health insurance in the UK. Firstly, you could research all of the providers and policies and then contact them directly for quotes. The second way, which we and many others do, is to speak to a health insurance broker who can perform a market review for you and help you select the best policy for the best price. Brokers are paid by the insurers, so the service they provide to you is free, and you’ll get the same price going through one as you would going direct.
WPA are our experts' top health insurance company for 2024, with excellent policies and outstanding customer service.
There are a number of excellent private hospitals groups in the UK, which of those you can access under your health insurance will vary, however. In short, these are the main providers: