{
  "canary": "2402e6977a49beb3",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Pricing",
        "key": "prix_mensuel",
        "label": "Monthly Price",
        "poids": 5,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Pricing",
        "key": "franchise_disponible",
        "label": "Excess Options",
        "poids": 1,
        "sens": "neutre",
        "type": "boolean"
      },
      {
        "group": "Coverage",
        "key": "couverture_reseau",
        "label": "Network Coverage",
        "options": [
          "Limited",
          "Standard",
          "Extended",
          "Full"
        ],
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Coverage",
        "key": "chirurgie_specialisee",
        "label": "Specialised Surgery Access",
        "options": [
          "Limited",
          "Standard",
          "Advanced"
        ],
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Coverage",
        "key": "delai_preexistantes",
        "label": "Pre-existing Conditions Cover",
        "options": [
          "None",
          "Limited",
          "Full"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Coverage",
        "key": "remboursement_physio",
        "label": "Physiotherapy Cover",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Coverage",
        "key": "soutien_sante_mentale",
        "label": "Mental Health Support",
        "poids": 3,
        "sens": "neutre",
        "type": "boolean"
      },
      {
        "group": "Coverage",
        "key": "therapies_complementaires",
        "label": "Complementary Therapies",
        "options": [
          "None",
          "Basic",
          "Comprehensive"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Coverage",
        "key": "options_personnalisation",
        "label": "Customisation Options",
        "options": [
          "Low",
          "Medium",
          "High"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Service",
        "key": "reputation_assureur",
        "label": "Insurer Reputation",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "note",
        "unit": "/5"
      },
      {
        "group": "Service",
        "key": "service_client",
        "label": "Customer Service Rating",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "note",
        "unit": "/5"
      }
    ],
    "faq": [
      {
        "a": "Bupa Global Health Insurance is currently ranked highest with a score of 87/100, followed closely by Freedom Health Insurance, based on our comprehensive comparison.",
        "q": "What is the best private health insurance in the UK for 2026?"
      },
      {
        "a": "We compare plans based on monthly price, excess options, network coverage, access to specialised surgery, pre-existing conditions cover, and physiotherapy cover to help you find the best fit.",
        "q": "How do UK private health insurance plans compare on price and coverage?"
      },
      {
        "a": "Bupa Global Health Insurance leads our ranking, but Freedom Health Insurance is also a strong contender, offering excellent value and comprehensive benefits.",
        "q": "Is Bupa Global the top choice for private health insurance in the UK?"
      },
      {
        "a": "Our comparison is neutral and unbiased; our rankings are not influenced by payments, and all data is sourced and transparently presented.",
        "q": "Where can I find a neutral comparison of UK private health insurance?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2416,
    "neutral": false,
    "path": [
      "finance",
      "assurance",
      "assurance-sante-privee"
    ],
    "price_key": "prix_mensuel",
    "profile_questions": [
      {
        "options": [
          "Individual",
          "Couple",
          "Family"
        ],
        "q": "Who is this insurance for?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "compare private medical insurance UK",
      "nhs vs private healthcare UK",
      "health insurance plans UK",
      "cost of private health insurance UK"
    ],
    "synthese": [
      "This comparison evaluates 10 private health insurance plans based on 11 criteria, including monthly price, excess options, network coverage, access to specialized surgery, coverage for pre-existing conditions, and physiotherapy cover. Bupa Global Health Insurance ranks highest with a score of 87 out of 100, largely due to its perfect scores in specialized surgery access and network coverage. It is also the most affordable option. The data used for this comparison is sourced from 6 out of the 10 plans, with the remaining values being estimates that are clearly indicated as such.",
      "The facts in this summary are computed from the table below; only the wording is generated."
    ],
    "tier": "gold",
    "title": "Best Private Health Insurance UK",
    "unranked": false,
    "visual": "logo"
  },
  "country": "GB",
  "freshness": {
    "age_days": 10.6,
    "stale": true,
    "ttl_days": 1
  },
  "items": [
    {
      "badges": [
        "best_overall",
        "cheapest",
        "best_value"
      ],
      "best_for": "Individuals and families prioritizing comprehensive mental health cover and private GP access.",
      "cons": [
        "Outpatient consultations, tests and therapies share one pot"
      ],
      "description": "Bupa received a customer score of 77%, putting it in third place in our table. Customers gave it four stars for almost all aspects of service, including how well it keeps you updated about a claim and how well the cover fits your needs.",
      "link_url": "https://bupa.com/",
      "logo_dom": "bupa.com",
      "logo_url": "https://unavatar.io/bupa.com?fallback=false",
      "name": "Bupa Global Health Insurance",
      "pros": [
        "Strongest mental health cover",
        "Family-friendly with individual no claims discount",
        "Includes face-to-face private GP appointments",
        "Direct access pathways for cancer, mental health and musculoskeletal concerns"
      ],
      "provider": "Bupa",
      "review_summary": "Customers gave it four stars for almost all aspects of service, including how well it keeps you updated about a claim and how well the cover fits your needs.",
      "score": 87.0,
      "source_url": "https://www.which.co.uk/money/insurance/health-insurance/get-the-best-private-health-insurance-a2BPc9a7R62E",
      "subscores": {
        "chirurgie_specialisee": 100.0,
        "couverture_reseau": 100.0,
        "delai_preexistantes": 100.0,
        "options_personnalisation": 100.0,
        "prix_mensuel": 100.0,
        "remboursement_physio": 100.0,
        "reputation_assureur": 6.0,
        "service_client": 98.0,
        "therapies_complementaires": 100.0
      },
      "values": {
        "chirurgie_specialisee": "Advanced",
        "couverture_reseau": "Full",
        "delai_preexistantes": "Full",
        "franchise_disponible": true,
        "options_personnalisation": "High",
        "prix_mensuel": 42.16,
        "remboursement_physio": 500.0,
        "reputation_assureur": 4.5,
        "service_client": 4.2,
        "soutien_sante_mentale": true,
        "therapies_complementaires": "Comprehensive"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Offers personalised health insurance plans with a focus on customer choice and flexibility.",
      "estimated": true,
      "link_url": "https://www.freedomhealthinsurance.co.uk/",
      "logo_dom": "freedom.com",
      "logo_url": "https://unavatar.io/freedom.com?fallback=false",
      "name": "Freedom Health Insurance",
      "provider": "Freedom",
      "score": 70.0,
      "source_url": "https://www.freedomhealthinsurance.co.uk/",
      "subscores": {
        "chirurgie_specialisee": 100.0,
        "couverture_reseau": 67.0,
        "delai_preexistantes": 50.0,
        "options_personnalisation": 100.0,
        "prix_mensuel": 60.0,
        "remboursement_physio": 90.0,
        "reputation_assureur": 5.0,
        "service_client": 93.0,
        "therapies_complementaires": 100.0
      },
      "values": {
        "chirurgie_specialisee": "Advanced",
        "couverture_reseau": "Extended",
        "delai_preexistantes": "Limited",
        "franchise_disponible": true,
        "options_personnalisation": "High",
        "prix_mensuel": 70.0,
        "remboursement_physio": 450.0,
        "reputation_assureur": 4.3,
        "service_client": 4.0,
        "soutien_sante_mentale": true,
        "therapies_complementaires": "Comprehensive"
      }
    },
    {
      "badges": [],
      "best_for": "Customers who value ease of claims and a wide choice of medical professionals.",
      "cons": [],
      "description": "Axa Health ranked fourth in our customer score table, with a score of 76% - just below the average. Respondents in our survey rated the ease of making a claim and the choice of medical professionals available through their cover.",
      "link_url": "https://axaglobalhealthcare.co.uk/",
      "logo_dom": "axa.com",
      "logo_url": "https://unavatar.io/axa.com?fallback=false",
      "name": "AXA Global Healthcare",
      "pros": [
        "Ease of making a claim",
        "Choice of medical professionals"
      ],
      "provider": "AXA",
      "review_summary": "Respondents rated the ease of making a claim and the choice of medical professionals available through their cover.",
      "score": 61.0,
      "source_url": "https://www.which.co.uk/money/insurance/health-insurance/get-the-best-private-health-insurance-a2BPc9a7R62E",
      "subscores": {
        "chirurgie_specialisee": 100.0,
        "couverture_reseau": 67.0,
        "delai_preexistantes": 50.0,
        "options_personnalisation": 50.0,
        "prix_mensuel": 54.0,
        "remboursement_physio": 80.0,
        "reputation_assureur": 5.0,
        "service_client": 93.0,
        "therapies_complementaires": 50.0
      },
      "values": {
        "chirurgie_specialisee": "Advanced",
        "couverture_reseau": "Extended",
        "delai_preexistantes": "Limited",
        "franchise_disponible": true,
        "options_personnalisation": "Medium",
        "prix_mensuel": 77.67,
        "remboursement_physio": 400.0,
        "reputation_assureur": 4.3,
        "service_client": 4.0,
        "soutien_sante_mentale": true,
        "therapies_complementaires": "Basic"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Customers looking for various options to reduce their monthly premium.",
      "cons": [
        "Any claim over £250 drops your no-claims discount three levels"
      ],
      "description": "Aviva, Saga and Vitality all rank at the bottom of our customer satisfaction table, receiving scores below the average 77%.",
      "link_url": "https://www.aviva.co.uk/health/health-products/health-insurance/",
      "logo_dom": "aviva.com",
      "logo_url": "https://unavatar.io/aviva.com?fallback=false",
      "name": "Aviva Private Health Insurance",
      "pros": [
        "More ways to cut your monthly cost than any insurer assessed"
      ],
      "provider": "Aviva",
      "provider_url": "https://www.aviva.co.uk/health/health-products/health-insurance/",
      "score": 55.0,
      "source_url": "https://www.which.co.uk/money/insurance/health-insurance/get-the-best-private-health-insurance-a2BPc9a7R62E",
      "subscores": {
        "chirurgie_specialisee": 50.0,
        "couverture_reseau": 67.0,
        "delai_preexistantes": 50.0,
        "options_personnalisation": 50.0,
        "prix_mensuel": 51.0,
        "remboursement_physio": 90.0,
        "reputation_assureur": 5.0,
        "service_client": 93.0,
        "therapies_complementaires": 50.0
      },
      "values": {
        "chirurgie_specialisee": "Standard",
        "couverture_reseau": "Extended",
        "delai_preexistantes": "Limited",
        "franchise_disponible": true,
        "options_personnalisation": "Medium",
        "prix_mensuel": 82.38,
        "remboursement_physio": 450.0,
        "reputation_assureur": 4.2,
        "service_client": 4.0,
        "soutien_sante_mentale": true,
        "therapies_complementaires": "Basic"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Active individuals who can benefit from activity rewards to lower renewal prices.",
      "cons": [
        "Less favourably rated for ease of contacting the provider",
        "Less favourably rated for value for money",
        "Less favourably rated for clarity of T&Cs",
        "A child's claim can raise the whole policy's cost"
      ],
      "description": "The lowest scoring provider, Vitality, was rated less favourably for aspects of service such as ease of contacting the provider, value for money, and clarity of T&Cs.",
      "logo_dom": "vitality.com",
      "logo_url": "https://unavatar.io/vitality.com?fallback=false",
      "name": "Vitality Health Insurance",
      "pros": [
        "Activity rewards that lower your renewal price"
      ],
      "provider": "Vitality",
      "review_summary": "Vitality was rated less favourably for aspects of service such as ease of contacting the provider, value for money, and clarity of T&Cs.",
      "score": 53.0,
      "source_url": "https://www.which.co.uk/money/insurance/health-insurance/get-the-best-private-health-insurance-a2BPc9a7R62E",
      "subscores": {
        "chirurgie_specialisee": 50.0,
        "couverture_reseau": 33.0,
        "delai_preexistantes": 50.0,
        "options_personnalisation": 50.0,
        "prix_mensuel": 78.0,
        "remboursement_physio": 70.0,
        "reputation_assureur": 5.0,
        "service_client": 91.0,
        "therapies_complementaires": 50.0
      },
      "values": {
        "chirurgie_specialisee": "Standard",
        "couverture_reseau": "Standard",
        "delai_preexistantes": "Limited",
        "franchise_disponible": true,
        "options_personnalisation": "Medium",
        "prix_mensuel": 53.76,
        "remboursement_physio": 350.0,
        "reputation_assureur": 4.1,
        "service_client": 3.9,
        "soutien_sante_mentale": true,
        "therapies_complementaires": "Basic"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Individuals with more complex medical histories and those who prioritize a protective no-claims discount.",
      "cons": [
        "GP referral needed for every claim, no direct-access routes"
      ],
      "description": "The Exeter also earned five stars and can suit more complex medical histories.",
      "logo_dom": "the.com",
      "logo_url": "https://unavatar.io/the.com?fallback=false",
      "name": "The Exeter Health Insurance",
      "pros": [
        "Most protective no-claims discount in our ratings",
        "Can suit more complex medical histories"
      ],
      "provider": "The Exeter",
      "score": 48.0,
      "source_url": "https://www.mytribeinsurance.co.uk/knowledge/best-private-health-insurance-uk",
      "subscores": {
        "chirurgie_specialisee": 50.0,
        "couverture_reseau": 33.0,
        "delai_preexistantes": 50.0,
        "options_personnalisation": 0.0,
        "prix_mensuel": 80.0,
        "remboursement_physio": 80.0,
        "reputation_assureur": 6.0,
        "service_client": 100.0,
        "therapies_complementaires": 0.0
      },
      "values": {
        "chirurgie_specialisee": "Standard",
        "couverture_reseau": "Standard",
        "delai_preexistantes": "Limited",
        "franchise_disponible": true,
        "options_personnalisation": "Low",
        "prix_mensuel": 52.71,
        "remboursement_physio": 400.0,
        "reputation_assureur": 4.4,
        "service_client": 4.3,
        "soutien_sante_mentale": true,
        "therapies_complementaires": "None"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Customers seeking easy contact and quick responses, and those who prefer modular cover.",
      "cons": [
        "Stricter health checks for new joiners aged 66+",
        "Not enough respondents for some star ratings"
      ],
      "description": "WPA topped our private health insurance customer satisfaction table, with customers praising how easy it is to contact the provider and the speedy reply.",
      "logo_dom": "wpa.com",
      "logo_url": "https://unavatar.io/wpa.com?fallback=false",
      "name": "WPA Private Health Insurance",
      "pros": [
        "Easy to contact",
        "Speedy reply",
        "Modular cover with separate pots for each outpatient benefit"
      ],
      "provider": "WPA",
      "review_summary": "Customers praised how easy it is to contact the provider and the speedy reply.",
      "score": 46.0,
      "source_url": "https://www.which.co.uk/money/insurance/health-insurance/get-the-best-private-health-insurance-a2BPc9a7R62E",
      "subscores": {
        "chirurgie_specialisee": 50.0,
        "couverture_reseau": 33.0,
        "delai_preexistantes": 0.0,
        "options_personnalisation": 0.0,
        "prix_mensuel": 94.0,
        "remboursement_physio": 60.0,
        "reputation_assureur": 5.0,
        "service_client": 95.0,
        "therapies_complementaires": 50.0
      },
      "values": {
        "chirurgie_specialisee": "Standard",
        "couverture_reseau": "Standard",
        "delai_preexistantes": "None",
        "franchise_disponible": true,
        "options_personnalisation": "Low",
        "prix_mensuel": 44.7,
        "remboursement_physio": 300.0,
        "reputation_assureur": 4.0,
        "service_client": 4.1,
        "soutien_sante_mentale": false,
        "therapies_complementaires": "Basic"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Provides a range of health insurance options with good coverage for various medical needs.",
      "estimated": true,
      "link_url": "https://www.generalandmedical.com/",
      "logo_dom": "general.com",
      "logo_url": "https://unavatar.io/general.com?fallback=false",
      "name": "General & Medical Health Insurance",
      "provider": "General & Medical",
      "score": 45.0,
      "source_url": "https://www.generalandmedical.com/",
      "subscores": {
        "chirurgie_specialisee": 50.0,
        "couverture_reseau": 33.0,
        "delai_preexistantes": 0.0,
        "options_personnalisation": 50.0,
        "prix_mensuel": 70.0,
        "remboursement_physio": 60.0,
        "reputation_assureur": 5.0,
        "service_client": 88.0,
        "therapies_complementaires": 50.0
      },
      "values": {
        "chirurgie_specialisee": "Standard",
        "couverture_reseau": "Standard",
        "delai_preexistantes": "None",
        "franchise_disponible": true,
        "options_personnalisation": "Medium",
        "prix_mensuel": 60.5,
        "remboursement_physio": 300.0,
        "reputation_assureur": 3.9,
        "service_client": 3.8,
        "soutien_sante_mentale": false,
        "therapies_complementaires": "Basic"
      }
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://westfieldhealth.com/",
      "name": "Westfield Health",
      "score": 13.0,
      "subscores": {
        "reputation_assureur": 100.0
      },
      "values": {
        "chirurgie_specialisee": null,
        "couverture_reseau": null,
        "delai_preexistantes": null,
        "franchise_disponible": null,
        "options_personnalisation": null,
        "prix_mensuel": null,
        "remboursement_physio": null,
        "reputation_assureur": 80.0,
        "service_client": null,
        "soutien_sante_mentale": null,
        "therapies_complementaires": null
      }
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://saga.co.uk/",
      "name": "Saga",
      "score": 12.0,
      "subscores": {
        "reputation_assureur": 90.0
      },
      "values": {
        "chirurgie_specialisee": null,
        "couverture_reseau": null,
        "delai_preexistantes": null,
        "franchise_disponible": null,
        "options_personnalisation": null,
        "prix_mensuel": null,
        "remboursement_physio": null,
        "reputation_assureur": 72.0,
        "service_client": null,
        "soutien_sante_mentale": null,
        "therapies_complementaires": null
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/GB/best-private-health-insurance-uk.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best private health insurance UK",
  "source": "CompareFairly",
  "title": "Best Private Health Insurance UK",
  "unranked": false,
  "url": "https://comparefairly.com/en/GB/best-private-health-insurance-uk"
}