UK Private Health Insurance Review
Friendly society; strong mental health cover as standard
Severity-based disclosure suits complex medical histories
Get a real quote
Prices shown are illustrative starting points only. Speak to an adviser or go direct for a real, personalised quote from The Exeter.
Speak to an adviser →Prefer to go direct →By clicking “Speak to an Adviser” you'll be connected to UK Health Insurance, an FCA-regulated whole-of-market broker (FCA no. 312313). This is a free, advised service — they are paid by the insurer if you take out a policy, and we are also paid a referral fee. Learn more →
Select your age band for indicative pricing
Showing typical 40s pricing — select your age above for a more relevant estimate.
indicative 40s range
Excess: £250, £500
indicative 40s range
Excess: £0, £100, £250, £500
Indicative price ranges only. Based on 2026 market research for a healthy non-smoker with a £250 excess in an average UK postcode. Your actual quote will differ. Full pricing methodology →
Indicative price ranges only. Based on 2026 market research for a healthy non-smoker with a £250 excess in an average UK postcode. Your actual quote will differ. We may receive a referral commission when you take out a policy through a link on this site — this never affects the price you pay. Full pricing methodology & about us →
Best Private Health Insurance for Mental Health Cover UK (2026)
The best UK private health insurance for mental health cover in 2026 — which insurers include it as standard, session limits compared, and what's actually covered.
Best Private Health Insurance for Over-50s in the UK (2026)
The best UK private health insurance for over-50s in 2026, covering joining ages, pre-existing condition rules, and which insurers specialise in older applicants.
Best Private Health Insurance for Pre-Existing Conditions UK (2026)
The best UK private health insurance if you have pre-existing conditions in 2026 — moratorium vs FMU explained, and which insurers have the most flexible underwriting.
Best Private Health Insurance for the Self-Employed UK (2026)
The best UK private health insurance for self-employed people in 2026 — which insurers suit sole traders and limited company directors, and how to pay for it tax-efficiently.
Best Private Health Insurance UK 2026: Independent Comparison
The best UK private health insurance in 2026 — independent comparison of Bupa, AXA, Vitality, Aviva, WPA, The Exeter and more, with prices and honest pros and cons.
Cheapest Private Health Insurance UK 2026: Budget Plans Compared
The cheapest UK private health insurance in 2026 — budget plans from Aviva, AXA, Freedom, National Friendly and more, with honest trade-offs explained.
The Exeter vs WPA Health Insurance: Two Specialist Mutuals Compared (2026)
The Exeter vs WPA health insurance compared in 2026 — two top-rated UK mutual/friendly society insurers. Which specialist PMI provider suits you?
How to Switch Private Health Insurance Without Losing Cover UK (2026)
How to switch UK private health insurance without losing cover in 2026 — CPME explained, NCD transfer, and how to avoid common switching mistakes.
What Does Private Health Insurance Cover in the UK? (2026)
What UK private health insurance covers and doesn't cover in 2026 — a plain-English guide to inpatient, outpatient, cancer, mental health, and common exclusions.
The Exeter Health+ Comprehensive Review (2026): Pros, Cons & What's Included
The Exeter Health+ Comprehensive review: pros, cons, price and what's included in this top-rated UK private medical insurance plan.
The Exeter Health+ Essentials Review (2026): Pros, Cons & What's Included
The Exeter Health+ Essentials review: pros, cons, price and what's included in this budget UK private medical insurance plan.