Medical Insurance Rates

The medical insurance rates you pay will vary depending on which company you end up giving your money to. Rates for these policies are also subject to change. The cover and premium of your medical insurance policy will usually be determined by a number of factors including:

 

  • Your age
  • Your medical history
  • If you have pre-existing conditions
  • Your occupation


The factors listed above may be reasons for why your medical insurance rates are higher than other peoples. For example, if you have previously been diagnosed with an illness, insurers believe you are more likely to be in the risk category and make a claim in the future.


The product comparison table below is a quick way to get medical insurance quotes and compare the details and rates of the different policies offered by different providers.

Medical Insurance Quotes
ProviderOnline Quotes available?Special FeaturesGet Quotes
yesFast consultations – book a video consultation with a GP or specialist in minutes. Get dedicated cancer support - If you’re diagnosed with cancer, we’ll assign you a highly experienced Case Manager who’ll support you throughout your treatment and help you understand every step of the process.Get Quotes >
yesWith Comprehensive Cover No financial limits - so you'll have peace of mind that you won’t run out of funding for eligible treatment with the hospitals you’ve chosen as part of your policy and a fee assured consultant.Get Quotes >
yesSupportive care – with 24/7 telephone access to our nurses and counsellors through our medical helpline Health at Hand, we’re here for you no matter how late it is or however long it takes.Get Quotes >
yesRewards Programme Vitality Plus makes looking after your health more rewarding; the more you participate and improve your Vitality status the higher your discounts will be with Vitality reward partners, Eurostar, Mark Warner, Champneys and Cineworld.Get Quotes >

Sometimes you may not be able to avoid high medical insurance rates, although we do have a few tips for you to consider should you be looking for a policy:

 

  • Not adding extras and cutting the level of benefits (e.g. outpatient cover.)
  • Paying more of the policy excess. This will lower your claims as you have agreed to pay costs towards medical bills should you make a claim.
  • Limiting the range of hospitals and private surgeries you can choose from.
  • Being treated through the NHS. Although the time you wait may be longer, it is usually just as effective and cheaper.


If you are looking for medical insurance with rates that are low, you may find it useful to browse the web and search for a few different medical insurance quotes. Reading the terms and conditions could help you to obtain the correct level of cover for you.