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FCA-Authorised Advisers | Whole-of-Market Access
British Life connects you to Private Health Insurance that matches your healthcare needs and budget. Get expert guidance and whole-of-market access - with no hidden fees.
We find you quotes from the whole UK market
Since 2006 we have helped
383,090
people compare Protection Insurance quotes.
We would love to do the same for you...
NHS waiting times can stretch out for months. And when you or your loved ones need treatment, delays like this can pile on extra stress and uncertainty. Without private health insurance, you risk:
Let’s make sure you get the healthcare access you deserve.
It’s about peace of mind and knowing that if something happens, you can get the care you need quickly.
We understand it can be frustrating to navigate healthcare options, especially as standard policies are often confusing, with unclear terms about pre-existing conditions and what’s actually covered.
That’s why British Life connects you with advisers specialising in Private Health Insurance, who will take the time to understand your health concerns and explain your options clearly.
James Stait,
British Life
Waiting months for NHS treatment creates stress and adds even more uncertainty to an already uncertain situation: When will you see a specialist? When will tests happen? When will your treatment get started?
British Life connects you with FCA-authorised advisers who specialise in Private Health Insurance across the UK. They work with the whole market to secure policies from top brands that give you prompt access to healthcare. Your adviser will make sure you understand exactly what’s covered, help you navigate pre-existing conditions and find the right balance between cover and price.
Imagine having the confidence of knowing you can access healthcare when you need it, receive faster treatment and secure peace of mind for you and your loved ones.
Discover how straightforward Private Health Insurance can be.
Our service is completely free. The advisers we connect you with are paid by insurers, but only when they secure appropriate cover for you. As for your monthly premiums, Private Health Insurance costs vary based on your age, where you live, the level of cover you choose and your medical history. Basic policies covering core treatments start from around £50–£100 per month, while comprehensive plans with lower excess and wider hospital choice cost more. Your adviser works within your budget to find suitable cover and can explain how different excess levels affect your price.
Most Private Health Insurance policies don’t cover pre-existing medical conditions. These are health issues you’ve had symptoms of, consulted a GP about or received treatment for before taking out the policy. However, some insurers offer moratorium underwriting, where pre-existing conditions can be covered if you’ve had no symptoms or treatment for two years. Your adviser will explain exactly how this works and help you understand what is and isn’t covered based on your health history.
Most insurers accept new members up to age 65–70, though some offer policies for older applicants. There’s typically no upper age limit once you’re covered, meaning you can keep your policy as long as you continue paying premiums. Costs do increase with age, particularly after 60, as the chance of needing treatment rises. Your adviser can show you how premiums might change over time and find insurers with the most competitive rates for your age group.
Private Health Insurance doesn’t replace the NHS. You’ll still have full access to NHS services whether or not you have private cover. The main difference is speed and choice. With private health insurance, you’ll typically see a specialist within days, choose your consultant and hospital and receive treatment much faster. The NHS provides excellent care but often with longer waiting times. Many people use both: NHS for A&E and routine GP care, and private insurance for specialist consultations and planned treatments where waiting would cause unnecessary stress or delay recovery.
It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.
A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.
Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.
Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.
We have tracked down the very best protection insurance advisers in the UK to ensure you have access to great advice and the best products from the leading insurers.
Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.
Outstanding service and knowledgeable customer service rep. I received a call as promised in my email. Marie was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.
Marie was very sensitive when discussing personal circumstances and listened carefully and showed...
N Marsden