Health Insurance

Compare the Best Health Insurance Quotes with Proper Finance

Which health insurance brands do we work with?

We compare dozens of the biggest insurance providers in the country, including:

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If you end up being injured or become ill, health insurance can cover the cost of private treatment. It is possible to get cover for a wide range of treatments that may not otherwise be free under the NHS.

The main advantage of taking out private health insurance is that you get much quicker access to appointments than if you were treated via the NHS. You also get more choice over which hospitals, clinics and consultants that you use – so you can get seen to quicker and at a location of your choice.

The ability to get seen quicker means that you potentially save yourself from a lot of pain, whether it is toothache, back pain or a condition that you would like to get checked for sooner rather than later. For those people that value their health and their time, private health insurance can be a very good investment.

What Is Included in Health Insurance Policies? 

  • Exclusive drugs
  • Diagnostic treatment
  • Hospital stay and nursing care
  • Inpatient care (if staying in hospital overnight)
  • Outpatient care (stays that do not require staying in a bed)
  • Extras including private ambulances, helplines, accommodation for family members (see terms of the policy)

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How Much Does Health Insurance Cost?

When looking at health insurance policies in the UK, you will find that the policies will come with two main costs. These are:

The premium: this will be the amount you pay for the policy on a monthly or annual basis

The excess: this will be the amount you will need to pay towards the bill if you make a claim on your policy.

Furthermore, the majority of insurers have limits on the amount they can payout based on:


Type of treatment

Individual claim made

Be sure to check the terms and conditions of your policy.


Why Apply for Health Insurance With Proper Finance?


We aim to be as approachable as possible for our customers, and will always do our very best to assist you with any and all queries you may have concerning any part of our application process and more.

Fast decisions

Our online application only takes minutes to complete, with decisions being made very quickly after this. A member of staff will contact you to help you proceed with the final steps.

High quality

Proper Finance have more than 100 top-quality partners in insurance and loans.

Reputable and trustworthy

Each and every one of the providers we work with are fully checked to ensure their reputability, their trustworthiness, and furthermore their competency in helping to provide you with the financial services you require.

Free online application

The Proper Finance comparison site is free to use and there are no upfront fees for filling in our online application.

Do health insurance policies cover pre-existing conditions?

Some insurers will include them, but there are many who will not pay out for them. Therefore, always check the terms and conditions of the policies you are comparing if this is a concern for you.

Does my current health status affect the cost of a health insurance policy?

Yes, if you have existing conditions, your policy could cost more overall. However, this is not the case with all insurance companies: some only charge you more if you will need to cover further treatment for these existing medical conditions.

Can I still use the NHS if I have health insurance? 

Yes, it is still possible to get free treatment on the NHS, or you can decide to use your cover to pay for private treatment.

Will I need to have a medical check before getting health insurance?

Yes, some may require you to have medical tests to have a policy, whilst others may require you to write a declaration about your health.

Do I need a medical check with a moratorium policy?

This is where you have a previous condition but have been symptom-free for a certain number of years. Typically, you will not need to have a medical check for this type of policy.

Can I choose any hospital or doctor under a health insurance policy?

Yes, the majority of health insurance companies will provide you with a choice of medical facilities if you are referred for treatment under your policy.

Does health insurance cover me whilst abroad?

No, the majority of policies only cover medical treatment in the UK, but it is possible to get cover under a travel insurance policy instead.

Is it possible to get a family health insurance policy?

Yes, you can get a family healthcare policy or you can opt for individual policies for all family members. This can often be cheaper to insure each person because it is like you are buying in bulk.

Can I get health insurance if I am disabled?

Yes, but you need to bear in mind that some providers do not always provide cover for conditions that are related to your disability. As a result, it is important to verify this information in policies you compare if this may affect you.

How to Get the Best Health Insurance Quotes 

Proper Finance offers a free comparison service, so you can compare a wide range of quotes and choose a cover that meets your individual requirements.

Decide what level of cover you need, for example: what illnesses, injuries and symptoms do you want to be covered for? What treatments would you like to be included in the policy?

To save money, consider adding other family members for larger discounts, quit smoking, go to the gym regularly or pay a higher excess.

How Does Our Site Work?

Getting great, affordable health insurance is easy with Proper Finance. Simply fill in a few of your details using our online form and you will be contacted by one of our specialist insurance partners. They will assist you every step of the way, helping you to get insured as effectively and quickly as possible. Alternatively, you can call a specialist directly and request a quote today.

About Our Team

Our team has spent years working in consumer finance, insurance and price comparison websites. We had a light bulb moment to come together and combine our expertise, so we could give customers the best choice and options possible.

Finding the right insurance and finance can be a bit of a minefield, but knowing that you are applying safely and securely online can give you peace of mind and ultimately give you the best products possible.

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We work with trusted brokers to give you access to a panel of leading lenders well placed to meet your needs.