Compare Individual Health Insurance Plans

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Protect yourself with private healthcare insurance

Usay Compare specialises in finding the right private individual health insurance for customers just like you. When you compare individual health insurance plans with us, we search our panel of health insurers to bring you the best policy at the best price.

Whether you want comprehensive health insurance cover for you and your family, or just a policy to insure the essentials, Usay Compare can help you find best individual health care insurance plans and online quotes for you.

Why private medical insurance (PMI)?

Getting ill is stressful enough without having to worry about long wait times and NHS queues for treatment.

Having an individual health insurance policy in place can give you the peace of mind that you won't have to wait for any treatment, procedures or care you may need, as the cost of private treatment is covered by your PMI policy.

Individual private healthcare is designed just for you – no one else. Your premium will be based on a number of factors, including:

as you get older, your insurance premiums can increase.

some areas, such as industrial cities, carry a higher health risk, which could increase your premiums.

Your medical history:
a history of medical conditions could increase your premiums, and certain pre-existing conditions may be excluded from cover.

What conditions does private health insurance cover?

If you’re fit and healthy, private medical insurance covers most acute medical conditions. Commonly covered conditions include:

  • Cancer including palliative care, diagnosis, chemotherapy, radiotherapy, etc.
  • Heart disease including aftercare cover
  • Stroke aftercare
  • Sports injuries unless you’re a professional sports person
  • Mental health issues including counselling and psychiatric care
  • Complementary therapies such as physiotherapy and osteopathy
  • Alternative therapies including acupuncture, chiropractic, homeopathy, etc.


All insurers have exclusions, which explicitly state what isn't covered by their health insurance policies. Generally, these exclusions include anything that will only ever be dealt with by the NHS – including:

  • Accident and emergency
  • Chronic conditions such as asthma and diabetes
  • HIV & Aids
  • War, riots and terrorism
  • Dangerous sports such as base jumping, snowboarding, etc.

Each insurer has its own list of exclusions, and our expert advisers will happily talk you through what is and isn't included for any policy we sell.

Useful health insurance guides

We know insurance isn’t always the easiest subject to understand, so we’ve produced a range of helpful, plain English guides to clear up any confusion and answer your questions. Choose a guide from the list below to find out more about private medical insurance.
View all the guides

Why compare health insurance with us?

Comparing health insurance plans to find the best possible cover at the best possible price? You’re in the right place. Usay Compare works in a similar way to a broker, comparing prices and cover from market leading UK health insurance companies such as Aviva, AXA and Bupa.

Unlike some insurance brokers, we do not charge you a fee for our services. We're not tied to a single insurer, which means we’re independent, unbiased and impartial. If you’re wondering how to compare health insurance plans and policies, rest assured, we strive to exceed your expectations with our service every single time you get a quote from us. Be smart – compare UK health insurance before you buy.

  • We're honest

    "Honesty...and the best policy".
    Our mission statement reflects our desire to put you first at all times.

  • We're experienced

    We're proud to have one of the strongest and best-trained teams of advisers in the industry.

  • We're direct

    We have a straightforward, no-nonsense approach to insurance – we won't confuse you with industry buzzwords or jargon.