The 15 best medical insurance brokers in the UK:
1. Sandbourne
Sandbourne is a five-star rated Financial Conduct Authority-approved independent broker based in Bournemouth, Dorset. In our opinion, several things set them apart from other brokers. Firstly, they're a small team that gives a truly personal service to their customers.
They don't operate a large call centre and instead focus on providing high-quality advice backed up by extensive private medical insurance knowledge that is second-to-none. We are always impressed by the amount of time their brokers give their customers, never hurrying or pushing people in a given direction.
Best of all, the team is also knowledgeable in other insurance services and, therefore, can help with life insurance, income protection and much more.


5-Star Rating

FCA Authorised

15+ Years Experience

2. Globacare
Globacare is a leading broker for private medical, life, and international health insurance and has built an enviable record for providing the highest levels of customer satisfaction. They currently have over 500 5-star reviews via the reviews platform Working Feedback.
With access to many of the UK's leading health insurers, Globacare is ideally placed to help you choose a health insurance policy. Far from just being able to assist you with your private health insurance cover, Globacare can also provide advice on life insurance, income protection policies and business protection insurance.
As highlighted by one recent reviewer, Globacare's advisers have "Outstanding knowledge and attention to detail" and therefore well deserve being close to the top of our list.


Highly-Rated

FCA Approved

15+ Years Experience

3. Drewberry
While Drewberry offers many services and has grown into a relatively large financial adviser, health insurance remains a crucial aspect of its service. With offices in London and Brighton, they have amassed over 3000 reviews and currently enjoy an overall score of 4.92 out of 5. While those reviews cover all of their services, from pensions and investments to private health insurance, they indicate their service quality.
Drewberry works with all the leading providers, so will be able to provide you with ample private health insurance quotes for you to compare. Despite having a large team, they commit to you working with a dedicated adviser from start to finish, so you get a high-quality personal service.


5-Star Service

Business Experts

15+ Years Experience

5. My Health Protected
At My Health Protected, we are committed to providing exceptional customer service and tailored health insurance solutions. Our clients benefit from our strong partnerships with leading UK health insurers, ensuring they receive the best cover at competitive rates. As an independent broker, we prioritise our clients' needs. Our superior service has earned us a loyal clientele who often recommend us to their friends and family. We are proud to hold excellent reviews on Google and Trustpilot
6. Howden Life & Health
Howden Life & Health are health insurance specialists working with all the biggest insurance companies in the market, including SAGA, Legal & General and Vitality. When you arrange your health insurance through Assured Futures, you can claim other rewards, including a free will, health support and entry into a prize draw. You can also get quotes on life insurance and income protection through its brokers.
Howden Life & Health is highly rated by industry peers and customers alike. In 2021, it won Outstanding Customer Outcome at the Business Quality Awards. Currently, on Trustpilot, it has 1685 reviews with an average rating of 4.9/5. Reviewers mention Assured Futures' excellent customer service and the friendliness and expertise of its individual brokers.


Highly-Rated

Whole-Of-Market

Award-Winning

7. Lifepoint Healthcare
Lifepoint Healthcare was founded over ten years ago by Isaac Feiner. Isaac discovered the benefits of private healthcare during a tragedy in his personal life. Since then, he has been on a mission to help as many people as possible get the most from their healthcare. Isaac and his team understand that private medical insurance is a complex world. Lifepoint Healthcare enables you to navigate it to find the right solutions for you, your partner, your family or your business.
Lifepoint has been shortlisted for over twenty industry awards and recently scooped the Small Intermediary of the Year award at the Cover Excellence Awards 2021. In addition, it has a 5-star rating from Google, with 293 reviews currently on-site, with reviewers praising the amount of care the Lifepoint team shows its customers.


Highly-Rated

Independent

Award-Winning

8. Anderson Health
Anderson Health is an independent private medical insurance broker located in the City of London but with representation worldwide, including Brazil, South Africa and the Middle East. As well as helping clients based in the UK for more than 25 years, Anderson Health prides itself in specialising in international health insurance, including insurance for ex-pats and bespoke policies for employees of oil and gas companies.
Anderson Health says they're advisers, not salespeople. They're there to help those who see their insurance bills rise yearly but don't know what to do about it. They deal with all the leading insurers, including AXA Health, Aviva and Bupa. Reviews mention how much money they can save for their customers while providing impeccable, bespoke service.


20+ Years Experience

Business Experts

Free Claims Assistance

9. Heritage Insurance
Heritage Insure is an insurance broker based in the Bournemouth area. For more than 30 years, it has provided independent advice on several types of insurance, including private medical, life and travel. Excellent customer service comes standard with Heritage Insure, delivering peace of mind to clients as insurance products. After all, insurance is about covering yourself for the future so you can enjoy life today.
Heritage Insure works with ten of the UK's leading health insurance providers, including Aviva, AXA Healthcare and Bupa. It currently has 74 reviews on Trustpilot, with an average rating of 4.6/5. Customers enjoy how Heritage Insure makes it simple to buy health insurance, cutting through the jargon and simply providing the correct quote.


30 Years Experience

Highly-Rated

Independent

10. Halcyon Healthcare
Halcyon Healthcare has been providing help with private medical and life insurance for more than 18 years. Halcyon Healthcare assists customers with specific needs from their insurance, such as getting coverage for pre-existing conditions or achieving a price reduction after making a claim. They always recommend long-term, cost-effective policies rather than being drawn in by introductory discounts.
Halcyon Healthcare is based in Yorkshire, with another office in London. It works with the biggest brands in the health insurance arena, including Aviva, Vitality, AXA Health and Bupa. Its reviews on Yell.com are 5 out of 5. For help with individual, family or business health insurance that fits your needs and your budget, trust Halcyon Healthcare to find the right solution.


18+ Years Experience

5* Rating

FCA Authorised

11. Premier Choice
Founded in 1996, Premier Choice offers independent advice on health and other types of insurance to individuals and businesses throughout the UK. It is based in Towcester, Northamptonshire, and is part of the larger GRP Group of insurance intermediaries. Premier Choice has relationships with more than forty insurers and will evaluate them all when advising customers. Partners include Aviva, Bupa and Legal & General.
Premier Choice knows that there is no one-size-fits-all health insurance policy, so they'll take time to evaluate your exact needs before recommending a solution. Flexibility is vital as you could rely on your health insurance in the future. If you have pre-existing conditions, the company's advisers will do their best to find you a policy that still gives you cover.


Award-Winning

Directly Authorised

Highly-Rated

12. Equity Health
Equity Health is a small team of brokers based in Bournemouth. The company specialises in health insurance, providing simple-to-understand advice in an increasingly complex marketplace. Equity Health is one of the few health insurance brokers in the UK that offer whole-of-market access. This means they can deliver quotes from every private medical insurance company in the UK, from the biggest players like Bupa and Vitality to much smaller players. The priority is finding you the right health insurance solution.
Equity Health prioritises excellent customer service, assigning every customer to a dedicated account manager, so you'll never be bounced around a busy call centre. It's no surprise that the company currently has a 4.9/5 rating on Feefo from 260 reviews. It's a local service with a UK-wide outlook.


Highly-Rated

Whole-Of-Market

Health Specialists

13. Medibroker
Medibroker is an award-winning specialist in the complex world of international health insurance. International health insurance is aimed at people who move from the UK to other countries where healthcare is not free or as reliable as we are used to. Whether you're an individual, family or a company, Medibroker will speak to you to ascertain your specific needs and then find an international health policy to match. It has relationships with 30 leading global healthcare insurance providers, including Allianz Care, AXA and Cigna.
When you purchase an international health policy with Medibroker, you'll get free ongoing support throughout the life of your policy. If you're moving to a new country, Medibroker makes healthcare one less thing you need to worry about.


International Health

Highly-Rated

FCA Authorised

14. Continue My Healthcare
Continue My Healthcare is quite rare amongst brokers in that they operate solely in the health insurance sector, offering no other types of insurance. It means they can be experts in the marketplace, with their fingers on the pulse of what's available and right for you. Whether it's private health insurance for you, your family or your business, Continue My Healthcare has the solution you need, from big insurers like Aviva and AXA Health to smaller players.
Continue My Healthcare was founded by Matt Gibbs, who became interested in private healthcare after losing his father to cancer and seeing his experiences with the NHS. Matt likes to build long-lasting relationships with his customers, promising bespoke, no-jargon expertise, impartial advice and excellent customer service.


Renewal Experts

FCA Approved

Personal Service

15. UK Health Insurance
UK Health Insurance is an independent health insurance broker based in Poole, Dorset. It's a family-focused company with access to the whole of the UK health insurance market. Founded in 2003, UK Health Insurance can help you cover yourself, your family and your business, finding the coverage you need within budget.
When you arrange your insurance with UK Health Insurance, your relationship doesn't end when you sign the forms. The company prides itself on its ongoing support, including an annual review to ensure you still have the best cover. If not, they'll help you switch. Because health insurance is the only type of insurance they work on, they can give you genuine specialist advice. It's no surprise UK Health Insurance has a 4.7/5 rating on Feefo, with customers commending its responsiveness and attention to detail.


Highly-Rated

Directly Authorised

Health Specialists

15. Right to Health
Right to health is a broker focusing solely on health insurance. Since it was founded in 2001, it has delighted more than 45,000 customers with its free, impartial advice with no obligation to buy. Right to health also offers exclusive deals from insurers that you won't find anywhere else. Insurance providers that Right to Health works with include Bupa, AXA Health, Vitality and National Friendly.
Whether it's personal or business cover you're looking for, Right to Health will help you find the best and most affordable solution. Right to health has a Trustpilot rating of 4.9/5 from 3037 reviews (at the time of writing). Reviewers are keen to point out how much money their advisers enabled them to save compared to their previous insurance deals, as well as their attentive service.


Highly-Rated

Friendly Team

Health Experts

What is a health insurance broker?
A health insurance broker is an independent financial adviser that helps individuals and businesses find the best medical insurance policy.
Health insurance can be a complicated product, with many options and subtle policy differences to bear in mind. Given the importance of ensuring a policy is set up correctly, it's wise to speak with a private medical insurance broker.
Health insurance brokers are authorised and regulated by the Financial Conduct Authority and have to work in your best interest.
What to expect when you speak to a health insurance broker
While each broker will take a slightly different approach, you can typically expect them to follow a process similar to this:
- Initial fact find - they'll start by asking you about your requirements, how many people need cover, whether you have a policy and if you have any pre-existing medical conditions or have had any recent medical treatment. They'll ask you about your medical history to determine the best type of underwriting for your policy.
- Compare policies - next, they'll compare the leading providers and health insurance policies for you.
- Provide quotes - they'll report back to you with their findings and explain some key differences between the health insurance quotes.
- Answer questions - the broker is at your disposal, so feel free to ask as many questions as you like, it's essential you understand exactly what your health insurance covers.
- Policy set up - finally, the broker will help you set up the policy and arrange with the insurer for your policy documentation to be sent out.
Who pays for a private health insurance broker?
As we've explained, the services brokers provide to you are free, so how do they get paid? When a broker sells a medical insurance policy, the insurer pays them a commission, which varies between providers and their agreements with brokers.
Is it cheaper to go direct to an insurer for a policy?
No, in almost all cases, the price you pay via a broker will be the same as if you went direct to a health insurance company. The benefit of speaking to a broker over the insurers directly is that they can give you advice on many companies and their policies, not just one.
Benefits of working with a private medical insurance broker
There are a lot of benefits of working with a health insurance broker; not least, they'll likely save you time and often money too.
1. You get free advice when looking at health insurance cover
As we've already explained, the services brokers provide are free to you, and in most cases, they can provide you with specialist product insight that isn't readily available. Their expert advice will ensure you understand all the private health insurance options before making a decision.
2. You'll save time and money
By speaking to a health insurance broker, you avoid the need to spend many hours scouring policy documentation and forming your own comparisons. They'll also be able to help you find the best-priced policy and may suggest a provider that perhaps you haven't come across.
While you will likely pay the same price buying through a broker as you would going direct to a health insurer for your cover, there's a good chance you'll save money as they may be able to find deals you are unaware of.
3. You'll get peace of mind
It's too easy to take out a health insurance policy without knowing the ins and outs that only become clear when you claim. A medical insurance broker will help you understand what your policy does and doesn't cover so that you don't get any nasty surprises down the line. By working with a health insurance broker, you get the peace of mind that your policy covers everything you are expecting it to and that you're aware of any limitations.
4. Health insurance jargon explained
Health insurance policies are full of jargon that can at first be difficult to get your head around. Inpatient cover, outpatient cover, hospital lists, pre-existing conditions, chronic conditions, acute conditions, mental health cover and much more! A broker will take the time to explain all of these terms to you so that you feel comfortable and confident in your choices.
5. Assistance with claims (some brokers)
While not provided by all brokers, some will assist you with the claims process and be on hand to answer questions should issues arise.
6. Free annual health insurance policy reviews
Given that health insurance premiums rise as you age, it's well worth reviewing your policy each year to ensure it's still the best for you. However, it can be time-consuming unless you work with a health insurance broker.
Many of the best health insurance brokers in the UK will perform an annual policy review for you free of charge. All you need to do is tell them if you've had a change in circumstances or made any claims. They'll then be able to perform a full market review and advise you on whether it's worth switching or staying with your current policy.
7. They can also usually advise on other products
Some brokers will only sell health insurance, but others can also help you with different policies, from life and income protection to business protection insurance.