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Health insurance

Get peace of mind with private medical insurance.

  • No more worrying and waiting

  • Fast access to high-quality healthcare, whenever you need it

  • Delivered by our partners and leading health comparison site, Usay Compare

Looking for health insurance for your employees? Speak to our employee benefits team.

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Why choose health insurance with Usay Compare?

Fast-track access

Speedy referrals to specialist consultants

Prompt hospital admission

Bypass long wait times

Convenient treatment times

Arrange appointments that suit your lifestyle

Pay by Direct Debit

Split your payments into monthly instalments

What does health insurance cover?

Your health is your most valuable asset. Health insurance helps you protect it in a way that works for you, giving you access to private healthcare and the breakthrough treatments and medicines that come with it.

With flexible cover options, you can tailor your policy to suit your needs. Also known as private medical insurance (PMI), individual health insurance gives you access to treatment at private medical facilities. When you take out a policy, you and the insurer agree that if you fall ill or suffer an injury, your cover is designed to help return you to the level of health you had when the policy began.

What are the benefits of health insurance?

One of the biggest advantages of health insurance is access to private treatment for covered conditions, avoiding long NHS waiting times. Most policies also come with useful additional services, including digital GP appointments, helplines and dedicated mental health support.

Depending on your cover, you may be able to access treatment for serious illnesses –  including cancer – as well as physiotherapy, specialist therapies and complementary treatment. Some policies also offer access to surgical procedures and medicines that may not yet be available on the NHS.

Health insurance support, delivered by experts

We understand that choosing the right health insurance can be a little confusing at times. That's where we can help. Your exact policy benefits will vary depending on the level of cover you select, and we’ll explain the various options available and highlight the key differences between them.

Before you buy, it’s important to fully understand the policy you’re considering. Our advisers will guide you through what’s included and excluded, so you can be confident your cover meets your needs now and in the future.

Flexible and affordable benefits

Our health insurance advisers will ensure that you have access to the products that meet your requirements, at a price that matches your budget.

Get a quote from Usay Compare today

Looking for health insurance quotes? Let's help you find the right policy quickly and easily.

How do health insurance claims work?

  1. Visit your GP
    You’ll normally start by seeing your GP. Let them know you have health insurance and request an open referral, which allows you to choose where you receive treatment.

  2. Check your cover
    Before you book an appointment, your insurer will confirm whether your treatment is covered. They may also guide you to recognised hospitals or specialists.

  3. Attend your appointment
    Once your cover is confirmed, you can go ahead with your consultation or treatment.

  4. Your insurer settles the bill
    After your treatment, your insurer will usually pay the approved costs directly to the healthcare provider, meaning you only pay any agreed excess.

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What our customers are saying


Health insurance FAQs

Wondering about something? Don't worry, Everywhen's here to help. We've put together some common questions about health insurance cover to support you every step of the way.

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Mental health cover is split into inpatient and outpatient. Inpatient cover will typically cover admission to a psychiatric hospital and assessments, treatments and medications you required whilst admitted. Outpatient care covers therapy sessions, diagnostic sessions and psychiatric assessment. Your specific cover will vary depending on the policy wording.

The treatment given to you will depend on the cancer you are diagnosed with and what your specialist recommends. Private health insurance can give you access to drugs that have proven effective but are not yet available on the NHS.

Pre-existing conditions are often excluded from health insurance, but it’s worth speaking to one of our expert advisors, as there may be different underwriting options to suit your needs.

This will depend on the whether you added an excess to your policy when setting it up. Excesses are used to reduce your premium – the higher the excess you select, the lower your monthly premiums will be, but you will need to consider affordability upon making a claim. Talk to one of our expert advisors to ensure you have the best option to suit you.

We have a team of expert advisers ready to help make things easier for you. All advisers receive our extensive training. They also use our bespoke technology, with live prices and excellent comparison abilities.

 We have a team of expert advisers ready to help make things easier for you. All advisers receive extensive training and are proficient in using our bespoke technology, with live prices and excellent comparison abilities.

Our service is completely free and totally impartial. We can save you the time, effort and stress of comparing policies and understanding the small print.

There is absolutely no obligation or pressure to purchase a policy when you get a quote from Usay Compare. Our advisers are friendly and helpful.

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Usay Compare and Health Insurance Compare are trading styles of Usay Business Limited, which is authorised and regulated by the Financial Conduct Authority, reference number: 478676. Usay Business Limited is registered in England and Wales. Registration number 06463920 | VAT No. GB 447 2847 24 Registered address: Usay House, 5 Hercules Court, Lakeside Business Park, Broadway Lane, South Cerney, Cirencester GL7 5XZ. © 2023 Usay Business Limited. All rights reserved.