With a lengthy NHS waiting lists, private health insurance is a great way to protect yourself and regain control of your health.
These are our highest-rated providers from an independent analysis of 198 policy documents, over 400 policy benefits, and tens of thousands of verified customer reviews.
Bupa's By You Comprehensive is our top-rated private health insurance policy for 2026, scoring 91.4% across our six assessment categories. It offers an exceptional product with unique benefits, excellent customer reviews, and no upper age limit for new members.
WPA's Complete Health plan scored 89.7% in our 2026 private health insurance reviews, finishing first or joint first in four of six assessment categories. We believe it's an outstanding product, combining unrivalled flexibility with the highest customer satisfaction rating of any insurer we assessed.
The Exeter's Health+ plan scored 86.2% in our 2026 private health insurance reviews, finishing in the top three in four of six assessment categories. We believe it's one of the best policies available, combining strong core cover with what we consider the most protective no claims discount structure on the market.
Vitality's Personal Healthcare plan scored 82.2% in our 2026 private health insurance reviews. Its unique Shared Value model doesn't merely provide health insurance - it actively rewards members who look after themselves, making it a genuinely distinctive option for health-conscious individuals and couples.
Aviva's Healthier Solutions plan scored 79.8% in our 2026 private health insurance reviews. Aviva offers the most ways to reduce your premium of any insurer we assessed, alongside no upper joining age and unlimited outpatient cover included as standard.
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By getting a quote through myTribe, you'll receive quotes from all of the leading health insurance providers.
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.
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.
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:
Disclaimer: This information is general, and what is best for you will depend on your personal circumstances. Please speak with a financial adviser or do your own research before making a decision. The brokers we work with provide a comparison service from a panel of some of the UK’s top health insurers. Not every broker works with all the insurers listed in our guides.