The Health Guide — clear answers, healthier tomorrows

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    What cover would suit me

    Ten questions, then a plain description of the cover your answers point towards, what each choice costs you in practice, and what no policy will do. We give no prices, name no insurers and recommend nothing.

    About this tool

    This tool helps you work out what shape of health insurance would match your situation before you speak to anyone or ask for quotes. It does not recommend a policy, name an insurer or give a price.

    You answer ten short questions: who needs cover, what you most want it for, how you feel about paying an excess, whether outpatient cover matters to you, which hospitals you would want to use, and how you would handle a pre-existing condition. You get back a plain description of the cover your answers point towards, what each choice costs you in practice, and the things no policy will do. You can take that description to any insurer or broker and compare written quotes against it. Your answers stay in your browser.

    About you and what matters

    Answered 0 of 10. Findings appear as you go.

    Who would the cover be for?
    Do you already have cover through an employer?

    Employer schemes often cover more than people realise, and the terms differ from a personal policy.

    Is anything already being investigated or treated?

    This decides how you will be underwritten, and it is the single biggest factor in what a policy will actually pay for.

    Would you rather know your exclusions up front, or answer fewer questions now?
    How much say do you want over where and by whom you are treated?
    How important are scans, tests and consultations without a hospital stay?

    This is where most claims actually happen, and where policies are most often cut back to save money.

    Could you comfortably pay something towards a claim?
    How much cancer cover do you want?
    If you could not work for six months, what would you live on?

    Health insurance pays for treatment. It pays you nothing while you are off work.

    What is driving the decision?

    Answer a question above and what it means appears here.

    What happens next is not our job

    We publish information. We provide information. We do not give personal advice, and we do not arrange insurance on this site. Quotes and policies are handled by PremierPMI, an FCA-authorised broker. If you want someone to look at your circumstances and recommend a policy, that is a regulated adviser’s work — read how we are funded so you know exactly what our relationship with an adviser is before you speak to one.

    What this does not tell you

    • This is a description of the cover shapes your answers point towards. It is not advice and it is not a recommendation to buy anything.
    • We give no prices. What a policy costs depends on your age, where you live, your medical history and the insurer, and only a quotation will tell you.
    • We name no insurers and rank no products.
    • No policy covers a condition you are already being investigated or treated for, a chronic condition long term, or emergency care.
    • Nothing you enter here is sent anywhere or saved.

    Guides that explain this

    This tool gives information, not advice, and nothing here is a recommendation to buy. We provide information. We do not give personal advice, and we do not arrange insurance on this site. Quotes and policies are handled by PremierPMI, an FCA-authorised broker. Read how we are funded and our editorial policy.

    Real people, ready to help

    Want a person to check it with you?

    Send us your question and a PremierPMI specialist will get back to you. No pressure and no obligation.

    Send us your question 020 4525 0884

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    Work it out for yourself