Compare Private Health Insurance
Would you be happy to wait for the NHS? Or would you prefer a better, faster healthcare option? Fill out the quick form or call us direct, for a no obligation quote and free, expert advice.
- Quotes from all the UK’s major insurers — Bupa, AXA, Aviva, Vitality, WPA & more
- Skip the NHS queue — typically seen in days, not months
- Free, expert advice from a real human — FCA authorised & regulated
- No call centres. No pressure. No obligation.
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Compare Health Insurance Quotes in three simple steps
Take the time and hassle out of finding the best health insurance policy with our guidance. Get the best policy for your needs in just three simple steps.
Needs Assessment
By answering a few simple questions we’ll know what’s important to you — so your policy fits your needs, not a generic template.
Compare Prices
When we know what you need, we compare quotes from the UK’s leading private health insurers and bring you the strongest options for your situation.
Select Your Policy
Review your options and ask any questions you need. Make an informed choice about your health, today — not when you need it.
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Real people, real outcomes. We’re proud to be rated 5.0 on Google with 172 verified reviews — every single one a five-star.
Why clients trust Montgomery Financial
Family-run, FCA authorised, whole-of-market. Real humans on the phone — not a call centre. We pick up because we care about getting it right for you. No pressure, no jargon, just honest advice.
Frequently Asked Questions
We know private health insurance can be confusing. We’re here to help.
Who needs health insurance?
In the UK we are lucky to have a National Health Service. However, health insurance can unlock benefits like reduced waiting times, access to better medicines and treatments, additional comfort and privacy, and more choice and flexibility around when and where your treatment takes place.
Contact us via the form to explore your health insurance options.
Can I get private health insurance with a pre-existing condition?
Yes you can — however, the pre-existing condition will be excluded from coverage on the policy. In most cases, this is reviewed after two years should there be no medical advice, treatment or medication for a continuous two-year period.
This will depend on which underwriting style is best for you and your situation. Contact us via the form and we’ll talk you through what makes sense.
What is an excess in health insurance?
An excess is an amount each person on your policy pays towards the cost of a claim. For example, if you choose a £250 excess per claim and your treatment for one eligible claim costs £5,000, you would pay the first £250 and the insurer would pay the rest.
In the event of the claim being lower than the excess, the remainder of the excess “pot” would be used towards the next claim. Get a quote to start exploring your options.
What isn’t covered by private medical insurance?
All insurers have a list of conditions and examples that will not be covered. These are known as “general exclusions”. Some general exclusions include routine pregnancy, war, riots and terrorism, and routine maintenance of existing chronic conditions.
Exceptions will be detailed within your policy documents but if you’d like to know more, contact us via the form and we’ll happily talk you through it.
Will I need a medical examination?
No, absolutely not. Unlike life insurance, there are no medical examinations or nurse screenings to attend. However, we do ask about your recent medical history, which is to ensure the policy we recommend is the most suitable for you and your circumstances.
Fill in the form to start the process and get a no-obligation policy recommendation.
What is an insurance intermediary?
An intermediary’s job is to support the purchase of insurance. It’s about providing free, unbiased guidance so our clients can make the most informed decisions about their health insurance needs. We’re here to help you.
Can I add my family to my policy?
Yes, you can add your partner and children to your policy to give peace of mind for the entire family.
Compare quotes for individual, couple or family cover.
Example monthly costs (for illustration only — quotes will vary): Based on mid-level cover, £200 excess, outside London, current market rates. Individual, age 30: from ~£26/month · Couple, age 30: from ~£50/month · Family of four, age 30: from ~£60/month · Individual, age 50+: from ~£52/month · Couple, age 50+: from ~£99/month. Your own quote will depend on your age, location, level of cover, excess and underwriting style. Get a personalised quote above.