At myTribe Insurance Experts we strive to provide consumers with the most comprehensive, impartial and accurate reviews of private medical insurance (PMI) providers in the UK. Our ratings are the result of detailed analysis conducted by real experts, ensuring that each insurers’ products are reviewed thoroughly across a range of the most important factors. With a deep understanding of the PMI industry our commitment is to empower consumers with the knowledge they need to make confident choices about their healthcare.
To ensure our reviews evaluate all aspects of a private health insurance product fairly and thoroughly, we consider how providers rate in the following key areas:
Inpatient and day patient cover are among the most essential parts of any private medical insurance plan. We assess the extent of cover for inpatient treatments and day patient care, focusing on the covered services and any restrictions or exclusions.
Health insurers can vary in how they provide cancer cover. Some include it as standard, while others offer it as an optional extra. We evaluate the levels of cancer cover provided.
Outpatient cover provides access to medical services that typically don't require hospital admission. We examine the terms surrounding outpatient cover, including how limits work and their impact on benefits.
How claims affect renewal premiums is an essential consideration for health insurance policyholders, as spiralling premiums can lead people to change providers, which can mean new exclusions.
The nature of private health insurance makes it likely that you will make a claim at some stage of your policy and have to deal with your insurer. We gather insights from real customer reviews to assess their feedback on the quality of service that each provider delivers, looking particularly closely at their claims handling.
A key benefit of private medical insurance is more choice in who provides your treatment and where it takes place. We look at what insurers offer in terms of hospital lists and also how clearly information related to guided options is presented.
Mental health treatment is important to many when looking at private medical insurance. We consider the range of conditions covered, treatments offered, as well as the inclusion of any waiting periods, cover limits and exclusions.
A provider's approach to underwriting will determine the level of cover it offers a customer. We assess the variety of underwriting options available, such as moratorium and full medical underwriting.
Health insurance can appear complex, even to seasoned experts. We believe that private medical insurance policies should be clear to follow and easy for customers to understand. Our expert reviewers spend countless hours scrutinising providers' product information and policy documents to see whether they are transparent and avoid overly complex language. We also assess whether important terms and conditions, such as exclusions and limitations, are clearly communicated to policyholders.
The PMI market is diverse, and each provider offers its unique benefits. During our review, we look at what each insurer offers that is distinctly different from the rest of the market, with those that are innovative or offer significant added value receiving higher scores for this measure.
Many insurance providers now offer additional perks and benefits to create extra value for their health insurance customers. These can include free access to wellbeing support, gym memberships or alternative therapies. We gauge the relevance of these additional perks and weigh whether they enhance a provider's overall health insurance proposition or are just marketing gimmicks.
Virtual GP services have become an increasingly attractive benefit in the current healthcare landscape, where getting a face-to-face GP appointment can be tricky. We evaluate the availability and ease of use of virtual GP services, their terms and conditions, and what additional remote healthcare is offered.
Age restrictions can impact the availability of some private medical insurance plans for older individuals, so we check out whether the insurer sets any age limits. We rate policies that serve a wide age range and provide adequate cover for older customers more favourably.
The scores in each of the review areas described above are weighted according to what is deemed most important to private medical insurance policyholders by our experts, with a maximum score of 108 achievable.
The final provider ratings are based on a score out of 5 stars. In our 2025 ratings, the star rating provided was based on the total score achieved by each provider and plan as below:
At myTribe, we understand that choosing a private medical insurance provider is a big decision that requires careful consideration. Here are six reasons why you can trust our ratings to help you make the best choice:
We live and breathe private medical insurance. Our ratings team consists of industry experts with years of experience and a deep knowledge of private medical insurance. This expertise allows us to dig deep into each provider's product range, trawling through terms and conditions to rigorously assess their cover and overall value. You can trust that every rating we give is backed by professional insight.
We assess the factors that matter most to people when they are looking to select a health insurance policy, such as cover levels, underwriting options and customer service. Our methodology takes into account everything from inpatient and outpatient treatment to the availability of virtual GP services and levels of mental health support. By leaving no stone unturned, our ratings provide a holistic view of each insurer's PMI product.
We believe in complete transparency when it comes to showing you exactly how we calculate our health insurance ratings. We make our methodology publicly available so you can see all the factors we evaluate for the final scores. We hope this approach not only supports consumers with their decision-making but can also help build trust within the private health insurance market.
Our ratings are based on data that we collect from multiple trustworthy sources, including product surveys, policy documents issued by insurers, and feedback from industry professionals and consumers. By incorporating dozens of different data points, you can be confident that our star ratings are grounded in factual, real-world insights.
The ratings we publish are impartial and aren't influenced by external parties or commercial relationships. Our goal is to help consumers find the best health insurance for their own unique needs, not to favour a particular provider. Also, unlike other ratings companies, we don't charge providers to use our star ratings logo. This editorial independence means our ratings are purely focused on the quality of each product.
The private health insurance market never sleeps. Insurers continually innovate and refresh their products, so we closely monitor the PMI landscape to keep up with these changes and ensure you're always getting the most up-to-date information. We also regularly review our ratings to ensure they reflect the latest trends.
Between us, the myTribe Insurance Experts ratings and reviews team have over three decades of financial services experience, holding various finance qualifications, including from the Chartered Institute of Insurance.Our team members have extensive knowledge of best practices in financial product ratings, having helped to create star ratings for other well-respected personal finance websites such as Moneyfacts and NerdWallet UK.The team's expert views and insights have been featured in many national and regional media, including The Guardian, The Times, BBC, and more. Read more about our editorial guidelines
Disclaimer: Our product ratings and the information we provide don't constitute financial advice. You should never choose a product based purely on a star rating. Always conduct your own research and speak to a financial adviser before making any decisions.
