From individual cover to corporate schemes, we walk you through the parts of a policy that decide whether it is actually useful to you.
Choosing individual private medical insurance is not about finding the cheapest premium. Two policies at the same price can cover very different hospitals, and one may cap outpatient care where the other does not.
We compare policies on the points that change what you actually receive: hospital lists, cancer cover, outpatient limits, excesses and how claims are handled.
Anyone taking out their first policy, or wondering whether their current one is still right for them.
Family policies come with their own fine print: who counts as a dependant, what happens when children reach adulthood, and whether a newborn can be added without new underwriting.
We help you compare family plans on those terms, including child-only policies for parents who only want cover for their children.
Parents, couples and households who want the whole family covered on terms that actually fit.
An existing condition does not automatically rule you out of private cover, but the way insurers underwrite it changes everything. A moratorium can look simple and hide real gaps; a full exclusion can be clearer but permanent.
We explain what each underwriting approach means for your condition — and help you avoid buying a policy that quietly excludes the very thing you wanted covered.
Anyone with an existing or past condition who wants cover that does what they expect.
Staff health cover is a meaningful benefit and a meaningful cost. We help small and mid-sized employers compare schemes on benefit levels, underwriting terms and what leaving employees keep.
Founders, finance leads and HR teams at small and mid-sized businesses.
Premiums rise with age and claims history, and a renewal quote is rarely the best available price. But switching blindly can forfeit cover you have already earned — especially underwriting terms on existing conditions.
We review your renewal against the market and tell you honestly whether switching is worth it, or whether staying put protects something more valuable than the saving.
Policyholders facing a renewal increase, or anyone unsure whether their old plan still fits.