To help guide you through the maze of private medical insurance, and make health insurance comparisons, we provide an overview of the different categories of product available for individuals and for the self employed and small businesses, and a one page profile of the private medical insurance products available within these categories. This should help you to make comparisons between the different types of health insurance available.
Select a product category from the listing below. You can then access product reviews for that product category.
Type of product
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Description
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Package products
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A packaged policy means that you have no choice on what covers or benefits you can include or exclude.
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Choice of cover
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Flexible plans which allow you to decide what you require and adjust the level of cover to suit your needs.
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Limited cover
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Often called "budget" policies, these can meet the needs of those who, for whatever reason, do not want full cover.
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Shared risk
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Allow you to accept an “excess”, or to pay a percentage of the treatment costs.
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Cover for the elderly
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Special schemes for older age groups, or where premiums are not age related.
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Special cover plans
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These include:
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Channel Isles
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Special policies for those living in the Channel Islands
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Type of product
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Description
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Package products
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A packaged policy means that you have no choice on what covers or benefits you can include or exclude.
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Choice of cover
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Flexible plans which allow you and your company to decide what you require and adjust the level of cover to suit your needs.
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Limited cover
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Often called "budget" policies, these can meet the needs of companies which, for whatever reason, do not want full cover.
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Shared risk
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Allow the company to accept an “excess”, or to pay a percentage of the treatment costs.
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Special cover plans
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Plans that cover selected risks, such as hospital treatment plans and major medical expenses plans.
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Channel Isles and Isle of Man plans
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For the specific requirements of companies in the Channel Isles and Isle of Man.
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