WHY SHOULD YOU COMPARE MEDICAL INSURANCE QUOTES?
How Our Process Works
Answer a few questions
Firstly, you will need to answer a few questions and fill in your details on our form.
Receive your quotes
You should then receive quotes from our FCA-authorised partners.
Compare and choose
Start comparing quotes and find a medical insurance policy that suits your needs.
We’ll be in touch
Our experts will be in touch soon
Why Compare Medical Insurance Quotes With Us?
We are a specialist health insurance introduction service who work exclusively with FCA-authorised brokers and insurers. We help our users find a deal that’s right for them. We provide quotes that are 100% free with no obligation to purchase.
Why Is Comparing Quotes Crucial Before Purchasing A Policy?
Before purchasing a medical insurance policy, it is important that you compare your options to ensure you are finding a policy that meets your needs and budget. Your medical insurance policy is benefiting you, so make sure it suits your individual circumstances.
Key Things To Compare
When comparing medical insurance quotes, most people generally don’t know what to look for and how to figure out if a policy suits their needs or not.
Below are some examples of what could be useful in helping you find a policy that’s right for you and your budget.
Cover level
Would you like inpatient care, outpatient care, or both?
Excess amount
How much are you willing to pay before your insurer covers the rest?
Hospital list
Is your local hospital and any other hospitals nearby included?
Any add-ons
Is there any additional cover included in your policy?
Monthly premiums
How much does your policy cost? Is it within your budget?
The terms and exclusions of your policy
Are pre-existing conditions covered? Are there any limits to your benefits?
What factors affect your quote and why?
Generally, the factors that affect your medical insurance quote are factors you can’t control.
Insurers may calculate premiums differently; however, they typically use the following factors:
Age
Your age can seriously affect the cost of your medical insurance quote. This is because the older you get, the higher the perceived risk of needing treatments, surgeries, etc. This means it will be more costly for the insurer.
Your location
Where you live can also affect the cost of your medical insurance quote, as areas that are deemed more “expensive”, e.g. London, could increase your premiums. This is because hospitals may charge more for surgery and overnight stays due to staff wages or rent costs, etc. The area you live in may also have higher claims than others, so it could also mean you’re at a higher risk of needing treatments.
Medical history
If you have a history of health issues, e.g. strokes or heart attacks, an insurer may deem you a higher risk than others. This simply means the insurer has a higher chance of covering your treatment. Having a history of health issues could potentially increase your premiums; however, it can depend on your individual circumstances and the insurer.
Lifestyle Factors
Lifestyle factors could be the level of physical activity you do, alcohol consumption or smoking status. If you smoke or drink alcohol frequently, it could result in higher premiums as you are more likely to have heart and lung problems. If you exercise regularly, it could lower the chances of specific conditions and also help your overall health. Some insurers may also offer rewards and discounts for regular exercise.
Cover Level
The more benefits you choose, the more likely your premium will increase. Depending on whether you choose inpatient care, outpatient care or both, the insurer may be paying for more; therefore, premiums could also increase.
Frequently Asked Questions
Inpatient care is when you’re admitted to stay in the hospital overnight (or longer). This could be due to complex surgeries you have undergone, or that you require monitoring after an operation.
Outpatient care is when you visit the hospital or clinic and can leave the same day. This could be because minor procedures don’t require an overnight stay, or because you have just had a consultation with a specialist or diagnostic testing.
If you choose a higher excess amount (e.g. £750), your monthly premiums may be lower; however, if the situation arises where you need treatment, it may be more costly for you depending on whether your excess is applied per claim rather than per policy year.
If you choose a lower excess amount (e.g. £100), it may increase your premiums as the insurer covers more of the cost of each claim. Usually in this case, you pay very little or close to nothing for your claims.
Depending on the policy and insurer you choose, the policy add-ons may vary.
Most policies include dental and optical care, physiotherapy, cancer care and mental health care.
Not all policies may offer these benefits, but if it is something you would like, then it is worth mentioning to your insurer or our experts.