Cover for the people you care about.
Single, couple, family or over-50s cover. We’ll help you understand what’s available and what fits your circumstances.
Explore personal cover →IndividualFamilyOver 50sInternational
Independent health cover advice
Compare private medical insurance & business health cover with our dedicated team of UK PMI advisers.
Health insurance, made clearer. Backed by over 30 years’ experience, our health insurance brokerage is impartial, independent and free of charge. Tell us what matters and our friendly advisers will help you compare your options, understand the detail and choose with confidence.
For individuals, families and businesses · Advice at no charge to you
Let’s find your starting point
Get a health insurance quote
A few details help us connect you with the right adviser.
Currently insured?
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Independent & impartialAdvice centred on what you need
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30+ years’ experienceSpecialists who know the market
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Here after you chooseHelp with changes, claims and renewals
Whole-of-market comparison
Compare thousands of policy combinations.
First things first
The customers we can help today.
Two dedicated teams, one very human starting point. Pick the route that sounds like you and we’ll take it from there. Personal cover can be for a single person, a couple, a family, a child-only policy or someone over 50. We also have a specialist team for complex pre-existing medical histories, with direct access to underwriting teams at many insurers.
Health cover for the people behind the work.
From a small team to a larger group, explore employee health plans with a specialist business adviser. Cover can be arranged for some or all employees; benefits and underwriting options vary by insurer and group size. A business health plan may be a tax-efficient employee benefit, so ask your accountant about your circumstances.
Explore business cover →Small businessSMEGroup plansGroup leavers
From first question to ongoing support
How private health insurance works.
A clear, human guide through every step. There is no pressure to take out a policy.
Get a quote
Tell us a little about who needs cover, your age, medical history and the kind of protection you’re looking for. We’ll use that to start a personalised review.
Review policy details
We compare suitable options, including benefits, exclusions, underwriting, excesses, outpatient limits and hospital lists. Explore our resources while you compare.
Sign up for coverage
Once you’ve chosen a policy, we’ll explain the application and what the insurer needs from you. Cover starts when the insurer confirms your policy.
Seek private treatment
If you need eligible treatment, follow your policy’s claims process and contact the insurer for authorisation before treatment where required.
Submit a claim
Your insurer will assess claims against your policy terms. We can help explain the process and support you with questions along the way.
Benefits, eligibility and claims decisions depend on the insurer and the terms of your policy.
Real people, proper advice.
People who pick up the phone
Our commitment to you — the My Health Pal guarantee.
We have built our reputation through transparency, integrity and exceptional customer service. Our service is free, impartial and independent. We will not drop you after sign-up: our team can help with policy changes, claims questions and ongoing support at renewal. We compare thousands of policy combinations to help you understand the small print and choose suitable cover.
01Independent and impartial guidance
02Options explained in plain English
03No advice fee to you
04Support after your policy starts
Real words from real customers
Real words from customers who know us.
★★★★★
“Being new to private health insurance I didn’t know what to expect, James understood this and was clear, concise and more importantly patient with me. We spoke about different options, hospitals and levels of cover. I genuinely felt like he had my interests at heart.”Mr MarshallPersonal health insurance customer
★★★★★
“Having spoken with James I was surprised to find that the benefits on my plan were not suited to my needs. We had a thorough conversation about what was important to my family. Ultimately, I saved around £200 per month and now have a plan tailored to my family. Thank you.”Mr CarterFamily health insurance customer
★★★★★
“James recently organised our private health insurance. He was very knowledgeable and professional and kept us up to date every step of the way. I wouldn’t hesitate to recommend his services.”Ms HawtinPersonal health insurance customer
★★★★★
“Having known Matt for a number of years, dealings with him have personally always been an easy one and a pleasure. Providers need brokers as much as brokers need providers. The only thing that truly makes this work is the ability for both sides to see and appreciate the value in having and maintaining an open and honest relationship. This…”Yogesh PatelHealth insurance customer
★★★★★
“Working with Matt Hall was a game-changer as his expertise and personalised approach made all the difference. Matt took the time to understand my needs and budget, then presented me with tailored options that gave me peace of mind. Matt’s commitment to transparency and advocacy ensured I got the coverage I needed at the best possible price. I highly recommend…”Chris SlackManaging director
★★★★★
“I cannot praise Matt Hall enough for his fantastic advice and service. From the moment I reached out, Matt provided invaluable guidance, helping me navigate the complexities of health insurance with ease. His expertise ensured I found the perfect plan tailored to my company, saving both time and money. I highly recommend Matt to anyone seeking reliable and knowledgeable assistance…”Shaun SmithOperations director, Sheffield Steelers
Understand the basics
What is private medical insurance?
Private medical insurance (PMI) can help pay for eligible private treatment. It is generally designed for planned, elective care rather than emergencies, so it can sit alongside NHS services. The cover depends on the insurer, policy and options you choose; your adviser can explain the details.
What private health insurance covers
Subject to the policy terms and limits, plans may include:
- In-patient and day-patient treatment
- Inpatient diagnostic tests and surgical treatment
- Outpatient consultations, diagnostics and follow-up care, depending on the plan
- Physiotherapy and other therapies as optional or included benefits
- Virtual or in-person GP consultations and diagnostic tests, where included
- Cancer treatment, including radiotherapy and chemotherapy, subject to policy terms
- Some policies may cover drugs or treatments beyond standard NHS availability, subject to clinical criteria and insurer approval
What private health insurance does not cover
Every policy has limits, exclusions and eligibility rules. In particular, ask about:
- Emergency care, which is generally provided by the NHS
- Pre-existing conditions and underwriting terms
- Some elective cosmetic procedures, unless they meet the policy’s medical criteria
- Chronic conditions and ongoing treatment
- Excesses, outpatient limits and hospital lists
- Any waiting periods, exclusions or optional add-ons
Private medical insurance
Compare private treatment options, benefits and policy details.
↗Family health insurance
Explore cover for you, your partner and your children.
↗Business & group cover
Health plans for small businesses, SMEs and larger groups.
↗Over 50s & international
Talk through options for later life or living abroad.
↗Thinking of switching or renewing?
Let’s look at the whole picture.
If renewal is due, or you’re unsure about your current cover, an adviser can help you review what you have and compare available alternatives.
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What’s important to you?
Think about who needs cover, the treatment options that matter and what you want your policy to include.
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What does the policy actually say?
Compare excesses, outpatient cover, hospital access, underwriting and exclusions—not just the headline price.
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What happens after you take it out?
Ask how changes, claims questions and future renewals will be handled.
Why consider private medical insurance?
The benefits of private medical insurance.
The benefits depend on the policy, but private medical insurance may offer more choice around eligible diagnosis and treatment.
Rapid diagnosis & treatment
Access eligible specialist consultations, diagnostic tests and treatment subject to the policy and insurer’s authorisation.
Premium facilities
Depending on your hospital list, choose from private hospitals and recognised consultants for eligible treatment.
Comprehensive coverage
Build a level of cover around the benefits that matter to you, checking limits, exclusions and optional extras carefully.
A common question
What does private health insurance cost?
The cost of private medical insurance in the UK can vary widely. There is no single price that suits everyone: insurers assess personal circumstances and the level of cover requested. Basic plans often focus on inpatient and day-patient treatment; broader plans may add outpatient diagnostics and consultations. Optional benefits can include therapies, mental health, dental or optical cover. Check limits and exclusions before comparing prices.
Your excess, hospital list and no-claims discount can also affect the premium. If you already have cover, compare like-for-like and check whether you may be paying for benefits you do not need.
Explore health insurance costs →What can affect a quote?
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Coverage level — benefits, limits and optional extras.
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Premium provider — insurer and policy design.
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Number of people — individual, couple, family or group.
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Your age and underwriting — how the insurer assesses applications.
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Hospital list — which hospitals and consultants are included.
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Excess and extras — the contribution and benefits you select.
Choosing or switching provider
Key considerations when choosing or switching.
Compare the details that shape your experience, and ask how any change could affect your existing cover.
Hospital & consultant choice
Check which hospitals and specialists are available in your area.
Policy cost and value
Check whether the cover fits your needs and budget over time, without paying for benefits you do not need.
Customer satisfaction
Consider service, claims waiting times and support when you need to make a claim. My Health Pal says it researches customer experience and shares feedback with insurers.
Cover comparison
Compare benefits, exclusions, excesses and limits side by side.
Healthcare needs
Think about the people covered and the treatment you may need.
Switching ease
Understand how underwriting, exclusions and continuity of cover may change.
Helpful next steps: how to change your private health insurance · review your renewal · compare providers
A few common questions
No question is a silly one.
There’s a lot of jargon around health insurance. Here are a few useful starting points.
Browse our health insurance guides →Which is the best private health insurer in the UK?
There is no single best insurer for everyone. Compare the policy benefits, exclusions, hospital lists, underwriting and service against your needs.
What if I have a pre-existing condition?
Insurers assess medical history differently. An adviser can discuss your circumstances and explain the underwriting terms available; cover is not guaranteed.
What if my employer provides health insurance?
You may already have access to workplace cover. Check your benefit guide and ask what is included, who is covered and what happens if you leave. My Health Pal can explain continuation options, including group-leaver cover or applying for a new individual policy; eligibility and underwriting terms vary.
What’s the difference between in-patient, day-patient and out-patient treatment?
Out-patient care can include a consultation, diagnostic test such as blood tests or an MRI, or a follow-up appointment without a hospital bed. Day-patient treatment uses a bed during the day without an overnight stay; inpatient treatment usually involves at least one night in hospital. Check the definitions and limits in the policy.
Do I need to worry about hospital lists?
Yes. The available hospitals depend on your postcode and selected list. A reduced list may mean a longer journey in some areas; in Greater London, broader lists can cost more because hospital choice is denser. Check local access before choosing.
What is private medical insurance?
Private medical insurance can help cover the cost of eligible private healthcare, subject to the policy terms, benefits, limits and exclusions. The right plan depends on your circumstances.
Can you help if I have a pre-existing medical condition?
My Health Pal has a specialist team for cases involving complex medical histories. An adviser can discuss your circumstances and explain what may be possible with insurers.
Does it cost anything to speak with an adviser?
The site's stated service is free of charge to customers. Your adviser can explain how the brokerage is remunerated and any insurer or policy terms that apply.
Can you help with business health insurance?
Yes. The business team can discuss cover for small businesses, SMEs and larger groups, including different benefit and underwriting options.
Cover for different lives and teams
What types of health insurance plans are available?
From a single policy to employee cover, the right conversation depends on who needs protection.
Individual & couple plans
Explore cover for one person or two, with choices around benefits, excess and hospital access.
Explore individual cover →Family health insurance
Consider one policy for a household, with benefits and terms checked for each person covered.
Explore family cover →Later-life cover
Compare policy options and ask how underwriting and medical history affect eligibility.
Explore over 50s cover →Cover while living abroad
Discuss where you live, where you need treatment and which policy territory applies.
Explore international cover →Small business health plans
Look at health cover for a small team and compare the benefit and underwriting options.
Explore small business cover →Group & corporate cover
Review arrangements for larger teams, from benefits to how a policy is managed.
Explore group cover →A little more know-how
Good questions make good choices.
Plain-English guides to help you understand private medical insurance and the choices that come with it.
Business Health Insurance Cost – A UK Employer’s Guide for 2026
Read the article →UK searches for ‘burnout symptoms’ hit peak levels in 2026 as 97 in 100 still receive no recovery support
Read the article →Best Health Insurance for Over 50s in the UK
Read the guide →Best Health Insurance Providers For Small Businesses – 2026 UK Edition
Read the article →What does private medical insurance cover?
Read the guide →More answers, less insurance jargon.
Visit the advice hub →YOUR NEXT STEP
Ready when you are. Let’s make your next step a clear one.
Individuals, families and businesses welcome. No pressure, just a helpful conversation.