--- title: Health Insurance for Individuals | Morehealth Limited description: Health insurance for individuals from Morehealth. Compare individual private medical insurance and personal private health insurance with expert advice. --- - [0800 028 5540](tel:08000285540) - [info@more-health.co.uk](mailto:info@more-health.co.uk) [![logo-morehealth-1](https://www.more-health.co.uk/hs-fs/hubfs/Images/logo-morehealth-1.webp?width=222&height=70&name=logo-morehealth-1.webp "logo-morehealth-1")](https://www.more-health.co.uk/) [![logo-morehealth-1](https://www.more-health.co.uk/hs-fs/hubfs/Images/logo-morehealth-1.webp?width=159&height=50&name=logo-morehealth-1.webp "logo-morehealth-1")](https://www.more-health.co.uk/) - [Home](https://www.more-health.co.uk) - Health Insurance - [Individual Health Insurance](https://www.more-health.co.uk/individual-health-insurance) - [New Policy](https://www.more-health.co.uk/new-private-health-insurance) - [Review or Switch Policy](https://www.more-health.co.uk/review-or-switch-existing-policy) - [Business Health Insurance](https://www.more-health.co.uk/business-health-insurance) - [Health Insurance Providers](https://www.more-health.co.uk/health-insurance-providers) - [About Us](https://www.more-health.co.uk/about) - Advice - [NHS Waiting Times](https://www.more-health.co.uk/nhs-waiting-times) - [Health Insurance Options](https://www.more-health.co.uk/health-insurance-product-options) - [Cancer Cover](https://www.more-health.co.uk/cancer-cover-compared) - [Underwriting](https://www.more-health.co.uk/health-insurance-underwriting) - [Chronic Conditions](https://www.more-health.co.uk/chronic-conditions-explained) - [Health Insurance Costs](https://www.more-health.co.uk/how-much-does-private-medical-insurance-cost) - Resources - [Find Private Hospitals](https://www.more-health.co.uk/find-a-hospital-near-me) - [Health Insurance Guides](https://www.more-health.co.uk/health-insurance-guides) - [Health Insurance FAQ's](https://www.more-health.co.uk/health-insurance-faqs) - [Blog](https://www.more-health.co.uk/blog) - [Glossary](https://www.more-health.co.uk/glossary) [Contact Us](https://www.more-health.co.uk/contact-us) [Request A Quote](https://www.more-health.co.uk/get-a-quote) [Contact Us](https://www.more-health.co.uk/contact-us) [Request A Quote](https://www.more-health.co.uk/get-a-quote) More results - [Home](https://www.more-health.co.uk) - Health Insurance - [Individual Health Insurance](https://www.more-health.co.uk/individual-health-insurance) - [New Policy](https://www.more-health.co.uk/new-private-health-insurance) - [Review or Switch Policy](https://www.more-health.co.uk/review-or-switch-existing-policy) - [Business Health Insurance](https://www.more-health.co.uk/business-health-insurance) - [Health Insurance Providers](https://www.more-health.co.uk/health-insurance-providers) - [About Us](https://www.more-health.co.uk/about) - Advice - [NHS Waiting Times](https://www.more-health.co.uk/nhs-waiting-times) - [Health Insurance Options](https://www.more-health.co.uk/health-insurance-product-options) - [Cancer Cover](https://www.more-health.co.uk/cancer-cover-compared) - [Underwriting](https://www.more-health.co.uk/health-insurance-underwriting) - [Chronic Conditions](https://www.more-health.co.uk/chronic-conditions-explained) - [Health Insurance Costs](https://www.more-health.co.uk/how-much-does-private-medical-insurance-cost) - Resources - [Find Private Hospitals](https://www.more-health.co.uk/find-a-hospital-near-me) - [Health Insurance Guides](https://www.more-health.co.uk/health-insurance-guides) - [Health Insurance FAQ's](https://www.more-health.co.uk/health-insurance-faqs) - [Blog](https://www.more-health.co.uk/blog) - [Glossary](https://www.more-health.co.uk/glossary) - [0800 028 5540](tel:08000285540) - [info@more-health.co.uk](mailto:info@more-health.co.uk) [Contact Us](https://www.more-health.co.uk/contact-us)[Request A Quote](https://www.more-health.co.uk/get-a-quote) # Individual Private Health Insurance [Contact Us](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLLg3kaLLooMHvFDAkO5urVT70R4TohgH30tnVOoHKul%2FSkf6x9lo0nvks69gDF4zpxaG29v8dZYaNfMtJ71hegJgACU0sTAiYFsZzQr6T0jHLkl7KiWJ0SpuU9Zdsbu7DSw7RTQiO24ZmbTGYjG06CRx6NvTsMOwcOwYzxMQ76jwgDIOL7r5DhRpPuRsGQJIg%3D%3D&portalId=147592284) ![1](https://www.more-health.co.uk/hs-fs/hubfs/Images/1.webp?width=1563&height=1094&name=1.webp) - ### FCA Regulated - ### Independent Broker - ### 15+ Years Experience - ### UK-Based Advisers - ### FCA Regulated - ### Independent Broker - ### 15+ Years Experience - ### UK-Based Advisers ## Access Treatment Sooner with Private Health Insurance Individual private health insurance gives you faster access to diagnosis and treatment when you need it. Many people choose it for the reassurance of knowing they can move more quickly from GP referral to consultation, scans and treatment. At Morehealth, we help you understand private medical insurance in a clear and practical way. We compare leading UK health insurance providers, explain how cover works and help you choose a policy that fits both your priorities and your budget. ### I don’t currently have health insurance Get a brand-new policy \> [I don’t currently have health insurance](https://www.more-health.co.uk/new-private-health-insurance) ### I already have health insurance Review or switch your existing policy \> [I already have health insurance](https://www.more-health.co.uk/review-or-switch-existing-policy) ## What Individual Private Health Insurance Covers Most UK private health insurance policies are designed to cover acute medical conditions. These are conditions that begin after your policy starts and are expected to improve with treatment. Individual private health insurance typically covers: Specialist consultations Specialist consultations Diagnostic tests such as MRI, CT and ultrasound scans Diagnostic tests such as MRI, CT and ultrasound scans In-patient and day-patient treatment In-patient and day-patient treatment Access to private hospitals within an agreed hospital network Access to private hospitals within an agreed hospital network Cancer treatment within private facilities (as defined in the policy) Cancer treatment within private facilities (as defined in the policy) Private health insurance works alongside the NHS. You remain fully entitled to NHS services, including emergency care and support for chronic conditions. Private cover provides an additional route for eligible consultations, diagnostics and treatment. ## What Affects the Cost of Private Health Insurance? The cost of individual private health insurance varies depending on several factors, including: - Your age - Where you live - The hospital list you choose - Level of outpatient cover - The excess on the policy - The underwriting method - Whether the policy covers one person, a couple, or a family We help you balance the level of cover with the cost, so you can choose a policy that remains affordable and sustainable over time. ![individual private health insurance ](https://www.more-health.co.uk/hs-fs/hubfs/Images/10.webp?width=1563&height=1094&name=10.webp) ## Hospital Access and Choosing a Hospital List Hospital access is one of the most important factors when choosing private health insurance. Some insurers offer broad national hospital lists, while others operate core lists that may exclude certain hospitals, particularly in central London. There are also ‘guided’ options where consultant choice is restricted to offer budget friendly premiums. ![12](https://www.more-health.co.uk/hs-fs/hubfs/Images/12.webp?width=1563&height=1094&name=12.webp) ### We help you select a hospital list based on: - Where you live - Where you would prefer to receive treatment - Which hospitals or facilities matter most to you - Your budget This ensures your policy remains practical and you are not paying for access you are unlikely to use. [Free Health Insurance Check](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLIkiGv5e1ajjS8u2KDFlfCVKogA3Hy1FyPZnAlM%2FBGEpv6mWPzzQnmRtOU%2B5rGw5fJdT6jd9YaGJ1YcvXIj9p24t94540egmU7UbZnO%2BL8Q5n586Zj4WKp8BTMuXB7HWAL7CWTtr91Rf1%2BguPwuhmOZKa65QLDf7NyzZVFAC2R9uMBHMxBmR%2B6P%2FLhCrgveozwL5epl4SDgrsKvzFQIOktU&portalId=147592284) ## We Compare Leading UK Providers  We work with all major health insurance providers to find your perfect match  ![10 (1)](https://www.more-health.co.uk/hs-fs/hubfs/10%20(1).webp?width=120&height=75&name=10%20(1).webp) ![Vitality](https://www.more-health.co.uk/hs-fs/hubfs/9%20(1).webp?width=120&height=75&name=9%20(1).webp) ![Aviva](https://www.more-health.co.uk/hs-fs/hubfs/8%20(1).webp?width=120&height=75&name=8%20(1).webp) ![The Exeter](https://www.more-health.co.uk/hs-fs/hubfs/13.webp?width=120&height=75&name=13.webp) ![WPA](https://www.more-health.co.uk/hs-fs/hubfs/12%20(1).webp?width=120&height=75&name=12%20(1).webp) ![National Friendly](https://www.more-health.co.uk/hs-fs/hubfs/14.webp?width=120&height=75&name=14.webp) ![AXA](https://www.more-health.co.uk/hs-fs/hubfs/11%20(1).webp?width=120&height=75&name=11%20(1).webp) Stop paying too much for health insurance ## Check If You Could Save Already have health insurance? We’ll review your current policy and help you understand whether it’s still right for you. **Request a Free Health Insurance Check** ## Outpatient Cover and Everyday Use Outpatient cover usually includes: Specialist consultations Diagnostic tests such as MRI and CT scan  Follow-up appointments Outpatient cover varies by insurer and policy, for exmple:  #### Some include full outpatient cover #### Others provide a set monetary allowance each year #### Some limit the number of consultations available If quick diagnosis is important to you, we highlight how each policy handles outpatient care and explain any limits that apply. ## Medical History and Underwriting When you apply for private medical insurance, insurers review your medical history through a process called underwriting. This determines how pre-existing conditions are treated. The most common underwriting methods include: #### Moratorium underwriting Recent medical conditions may be excluded initially. Cover may return after a set period if you have no symptoms, treatment or medical advice for that condition. #### Full medical underwriting Your medical history is reviewed upfront and any exclusions are confirmed at the start of the policy. We explain underwriting clearly so you understand exactly what is covered and what is not before your policy begins. [Contact Us](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLLg3kaLLooMHvFDAkO5urVT70R4TohgH30tnVOoHKul%2FSkf6x9lo0nvks69gDF4zpxaG29v8dZYaNfMtJ71hegJgACU0sTAiYFsZzQr6T0jHLkl7KiWJ0SpuU9Zdsbu7DSw7RTQiO24ZmbTGYjG06CRx6NvTsMOwcOwYzxMQ76jwgDIOL7r5DhRpPuRsGQJIg%3D%3D&portalId=147592284) ## How Arranging Individual Private Health Insurance Works Our process is designed to make arranging private health insurance simple and transparent. Step1 #### Understanding your needs We start with a friendly conversation about what you want from private health insurance, your budget and any preferences you have around hospitals and benefits. Step 2 #### Comparing suitable options We compare leading UK health insurance providers and shortlist policies that match your needs, focusing on meaningful differences rather than headline benefits. Step 3 #### Clear recommendation We present our recommendation and explain why it suits your needs. If there are alternative options worth considering, we will show those too. Step 4 #### Putting cover in place We guide you through the application process and confirm underwriting terms before the policy begins, so you know exactly how your cover works.  Step 5 #### Annual review at renewal Each year we review your policy at renewal and compare the market again. This helps ensure your cover remains appropriate and competitively priced. ## Ongoing Support as Your Needs Change Your circumstances may change over time. You might want to: #### Ajust hospital access #### Increase outpatient cover #### Change your access level #### Add another family member We can review your options and help you make changes in a way that protects your medical history where needed. Adjustments to your policy can be made at renewal. [Get A Quote](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLLA7ZSKHLIUA140vpEWV7e604y2ckmOzwpHSVPj%2BJvHMpYYlNdQnmSRX%2BXswDZYIwg9qUb5iRO4TnTNy9dE9Mn1nvhCWUoCVvKKSkc85N5DZMT0Xz1Lq2W9TDqk1k6Odk1%2B2mRZiHIDNrG0WP%2BTmoe7N6oZXhakQKEbsEvYT6bMGgeJa06jE8E%2B30IbaOqvF8s%3D&portalId=147592284) ## Frequently Asked Questions   Does private health insurance cover everything? Private medical insurance is designed for **acute conditions**. Chronic condition management is typically supported by the NHS, although policy benefits vary. Can I choose my own consultant? Choice of consultant depends on the insurer, hospital list and policy terms.There are also ‘guided’ options where the choice of consultants is restricted for a lower premium. Is there an excess on private health insurance? Many policies include an excess. Choosing a higher excess can often reduce the premium. We explain how this works and what it means if you make a claim. Can I review my policy each year? Yes. Annual reviews are an important part of keeping your cover appropriate and good value, and we support you throughout the renewal process. #### [![logo-morehealth-1](https://www.more-health.co.uk/hs-fs/hubfs/logo-morehealth-1.png?width=444&height=140&name=logo-morehealth-1.png)](https://www.more-health.co.uk/) Independent health insurance advisers helping you find the right cover with expert guidance. [Join us on Slack](tel:08000285540)[Browse our GitHub projects](https://wa.me/447833883247)[Browse our GitHub projects](mailto:info@more-health.co.uk) Quick Links - [About Us](https://www.more-health.co.uk/about) - [NHS Waiting Times](https://www.more-health.co.uk/nhs-waiting-times) - Hospital Finder - [Contact Us](https://www.more-health.co.uk/contact-us) Health Insurance - [Health Insurance Providers](https://www.more-health.co.uk/health-insurance-providers) - [Individual Health Insurance](https://www.more-health.co.uk/individual-health-insurance) - [Business Health Insurance](https://www.more-health.co.uk/business-health-insurance) Resources - [Guides](https://www.more-health.co.uk/health-insurance-guides) - [FAQs](https://www.more-health.co.uk/health-insurance-faqs) - [Blog](https://www.more-health.co.uk/blog) - [Glossary](https://www.more-health.co.uk/glossary) Copyright © 2026 Morehealth Limited - [Terms](https://www.more-health.co.uk/website-tcs) - [Privacy](https://www.more-health.co.uk/privacy-policy) - [Cookies](https://www.more-health.co.uk/cookie-policy) Morehealth Limited is authorised and regulated by the Financial Conduct Authority: 815733 and registered in England and Wales: 07613132 ```json { "@context" : "https://schema.org", "@type" : "LocalBusiness", "address" : { "@type" : "PostalAddress", "addressCountry" : "UK", "addressLocality" : "Rugby", "addressRegion" : "Warwickshire", "postalCode" : "CV23 0UY", "streetAddress" : "4 Mitchell Court" }, "alternateName" : "Morehealth Limited", "contactPoint" : { "@type" : "ContactPoint", "areaServed" : "GB", "availableLanguage" : "en", "contactType" : "customer service", "telephone" : "0800 028 5540" }, "geo" : { "@type" : "GeoCoordinates", "latitude" : 52.404033, "longitude" : -1.245169 }, "image" : "https://www.more-health.co.uk/hs-fs/hubfs/Images/Morehealth.webp", "logo" : "https://www.more-health.co.uk/hs-fs/hubfs/Images/logo-morehealth-1.webp", "name" : "Morehealth Limited", "openingHours" : [ "Mo-Th 09:00-18:30", "Fr 09:00-17:00", "Sa Closed", "Su Closed" ], "priceRange" : "£", "sameAs" : [ "https://uk.linkedin.com/company/morehealth-limited" ], "telephone" : "0800 028 5540", "url" : "https://www.more-health.co.uk/" } ``` ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Private medical insurance is designed for acute conditions. 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