Compare Medical Plans has helped 2000 customers just like you in the last 7 days.
Our Process
It’s our goal to make it as simple as possible to find the private health insurance policy that is right for you.
Just follow our three-step process.
1. Complete one easy form
Answer a few simple questions to help us understand your needs.
2. Compare several plans
A specialist from one of our carefully selected partners will be in touch to help you find a deal to suit your circumstances.
3. You decide
Once you have your options, you decide what you want to do. Our service is free, confidential and without obligation.
I have a pre-existing condition. What are my options?
Health insurance providers may have different policies when it comes to pre-existing conditions. Some may offer limited cover, while others may exclude certain conditions altogether. It’s important to review the terms of each policy carefully. You can apply online to get a quote and see what options may be available based on your individual circumstances.
What is a pre-existing medical condition?
A pre-existing medical condition is any illness, injury, or symptom you had before starting a health insurance policy. This includes physical and mental health issues, whether they’re ongoing, previously treated, or one-off events.
Common examples include asthma, diabetes (Type 1 and Type 2), high blood pressure (hypertension), arthritis, depression, and even a history of cancer in those who are in recovery or remission.
Skip the hassle — we find the best fit for you and your partner
Free Service, with No Obligation
Applying for joint health insurance is easy with us. Our service is completely free, and there’s no obligation to buy. You can get your personalized quote, take your time, and decide if it’s the right fit for you and your partner — no pressure, no hidden fees.
Smart Matching, Not Just Comparing
We don’t just send you random quotes. We listen to your and your partner’s health needs and match you with trusted UK insurers who offer the best joint policies — so you won’t be overwhelmed with options that don’t suit your situation.
Cover That Gives You Confidence
Through our expert partners, you’ll be connected with reliable UK insurers, ensuring you choose a joint health insurance plan that provides peace of mind and covers your shared healthcare needs.
Approximately 7.42 million people in England are on NHS waiting lists, which is why many families choose private cover for quicker care.
Source: NHS England (2025)
How will my pre-existing conditions be treated?
Whether you can get cover for pre-existing conditions depends on the insurer and the specific policy. Private medical insurance is designed to complement NHS care by providing faster access to treatment and additional services. If your pre-existing condition is excluded from your policy, you can continue to receive care for it through the NHS as usual.
No matter where you are in the UK, we can help!
We work with highly experienced partners that are able to look at your individual circumstances.
Get Your Free Quote
Frequently Asked Questions
Can I apply for private health insurance with a pre-existing illness?
Yes, you can apply for private health insurance even if you have a pre-existing illness. It’s important to remember that every insurer is different in how they assess and cover pre-existing conditions insurers review each application individually and may offer options like moratorium underwriting or specific exclusions depending on your health history.
Will health insurance cost more if I have a pre-existing condition?
It might increase your premium slightly, depending on the condition and insurer. But many providers offer flexible options, and you may still find affordable cover by comparing policies.
Do I need to tell the insurer about all my medical history?
Yes, it’s important to give accurate details about your medical history when discussing your options. This helps the insurer assess your application properly and ensures you get the right cover. Not disclosing information could affect future claims.
Is optical and dental care included?
Depending on the specifics of your policy, private health insurance may or may not cover optical and dental care. Some insurers may offer coverage as part of your plan only up to a specified amount. Others may not offer any coverage at all. You might be able to add optical and dental care as an add-on with some insurers for an additional fee as well.
Testimonials
"Finding the right medical plan used to feel overwhelming. This service simplified the process, and I quickly received the information I needed to explore my options."
Chris W
"I was looking for a more comprehensive medical plan, and the team helped me understand the different choices available. They made it much easier to navigate the options."
Andy J
"The information I received was clear and concise, making it simple to understand the details of various medical plans. I felt supported in making an informed decision."
Stephen P
"I needed to find a medical plan that fit my budget without compromising on essential coverage. This service connected me with the resources to discover affordable options."
Danielle S
"Learning about different medical plans can be confusing, but the assistance I received made it straightforward. They helped me understand the key benefits and costs involved."
Paul T
"I was unsure where to start when looking for a new medical plan. This service guided me through the initial steps and connected me with the right information."
Ian S
"Getting access to information on multiple medical plans through this service was incredibly helpful. It gave me a good overview of what's available for my family's healthcare needs."
Jade S
"I appreciated the range of medical plan information I received. It gave me the confidence that I was exploring a comprehensive set of options."
Lexi S
"This service took the stress out of finding a new medical plan. The process was easy, and the information provided was very helpful."
Robert H
"I needed to review my medical plan options and ensure I had the right coverage. This service provided a convenient and efficient way to get the information I needed to make the right selection."
Leslie H