Compare Health Insurance Online

Call: 01242 371300

Why use Switch Health?

Compare over 1000 UK policies

Award-winning broker

Over 100 years of combined experience

We can save YOU up to 50%

Comprehensive cancer cover

Independent and impartial

We will not be beaten on price

Exclusive deals not available elsewhere

Our services are completely FREE

Guarantee To Save You Money!

Start Your Quote Here

Switch Health are fully authorised and regulated by the financial conduct authority

Guarantee To Save You Money!

Start Your Quote Here

Switch Health are fully authorised and regulated by the financial conduct authority

Why use Switch Health?

Compare over 1000 UK policies

Award-winning broker

Over 100 years of combined experience

We can save YOU up to 50%

Comprehensive cancer cover

Independent and impartial

We will not be beaten on price

Exclusive deals not available elsewhere

Our services are completely FREE

We search all the
leading providers including

Aviva Logo
AXA PPP Logo
Vitality Health Logo

Testimonials

Health insurance: How does it work?

private medical insurance uk For many who take out coverage, health insurance in the UK is a  veritable minefield of can and can’t do.

Here at Switch Health, we feel it is our mission to make this complex product simple. Whether you have been insured for years, or are exploring this product for the first time, below are some key things you need to know:

First time buyers:

When we speak to customers there is always one question above all others that comes up time and time again:

“I have X condition -will it be covered?”

Whilst there are certain conditions where the answer is ” maybe” invariably the answer to this question sadly is “No” .

Insurers by nature are risk averse. They will therefore assess the likelihood of a claim arising from the condition and determine whether or not it is worth allowing you coverage for it. – see ” How insurers write policies” for more detail.

The example we like to use is a bit silly, but bare with us.

Imagine you have a minor car accident.

Much to your suprise, when you go to exchange insurance Information the other driver makes a phone call.

You hear them quite clearly advise the person that they are speaking to that they would like to take out car insurance to cover the damage for the accident they have just had.

Like I said -sounds silly right? No one ( hopefully) would ever do this.

Health insurance works the same way.

It is insuring you against the possibility of something happening.

What does it cover for?

The short answer is pretty much whatever you want it to- as long as you are happy with the price.

Our advisors work closely with each of their clients to ensure that their policy is tailored to their needs and budget.

Sometimes to get the cost to where you want it there will need to be compromises, but we are familiar we balancing your needs and budget to get an outcome that you will be happy with.

How much does insurance cost?

Ah yes, the money question.

There are several factors that affect how an insurer calculates the cost of cover :

  • Age of applicants and how many.
  • Location ( postcode).
  • Coverage level of the plan chosen.
  • Smoker status ( for some providers)
  • How the plan is written ( for some providers)

If you live in Central London (sorry in advance!) You will be charged on average 30% more for cover than someone the same age who lives in Scotland.

This is due to ease of facility access and also claim rates in that region.

Moving health insurance providers

If you have cover in place at the moment and see the price creeping up year on year, you are not alone.

Unlike care or house insurance, people seem to be highly reticent to look across the market with health insurance as they worry about losing pre-existing conditions cover.

You can get health insurance quotes and buy healthcare online, once you find the best advisor for individual health insurance  we only compare for private health insurance uk, BUPA are offering health care plans with up to 2 months free. AXA, AXA PPP, AXA Health are offering price promise.

What a lot of people do not know is that as long as you meet an insurer’s eligibility criteria (speak to one of out advisors to know more) you can move providers and save money without compromising on your coverage.

This is called a “Switch”.

To discuss if this is a suitable option for you to reduce your costs while keeping the cover you want, give us a call on 01242371300.

How can Switch Health guarantee to save me money on health insurance?

Its simple at Switch Health we compare the whole market with all the major insurers like AXA PPP, Aviva, Vitality, and BUPA to name just a few. Once we find the right provider, we use our discounts to guarantee the best deal on the market. If you have any quotes from any other broker or insurer we will beat any offer or any price. In most cases, we can save up to 60% off your premiums and offer 2 months free.

What insurers do Switch Health work with?

Below are all the insurers Switch Health have agencies with and can negotiate on the premiums on your behalf

  • BUPA
  • Aviva
  • AXA PPP
  • Health On Line
  • AXA Health
  • WPA
  • SAGA
  • Vitality
  • The Exeter
  • Freedom Health
  • National Friendly
  • Cigna
  • General & Medical
  • Morgan Price
  • CS Healthcare (now BUPA)

Available Medial Insurance deals

 

BUPA One Month Free

BUPA BY YOU Two Months Free

AXA One Month Free

AXA Health Two Months Free

Vitality Health Apple Watch

WPA 20% Off

Cigma Save Up To 65% Off

How to Compare Health Insurance and save money

There are lots of options out there that can save you money on your health insurance, (speak to one of our advisors for more info) and to get you started we’ve included some below:

Switch Health insurance providers: If you have cover in place already, lots of insurers offer discounts to encourage you to join them, whether it’s a “Switch and Save” offer or even up to two months free on your health insurance. These days, it pays to shop around.

Include an excess: This is the money you agree to pay on your first claim in a policy year. By putting an excess on a plan, you can reduce the cost of your health insurance by up to 30%.

Tailor your cover level: By making sure you review your health insurance on a regular basis, you can tailor your plan to ensure that there are no “ extras” that are pushing your price up.

Go guided – A lot of insurers are now offering options that “ fast track” your access to private health care even more than a standard plan. By allowing the insurer to narrow down the choices for you of who to see or where, you can save up to 25% on your premiums.

Speak to a specialist: By speaking to an advisor rather than simply buying health insurance online, you ensure that you are getting the best deal on your health insurance without compromising on the cover you want. Chances are a broker can get you deals that are not available on the web, and can even negotiate discounts on the policy you already have. On average, Switch Health save our clients 30% on their health insurance premiums each year , and that money is better off in their pocket!