# ReviewHealthInsurance.co.uk > UK health insurance guides and a free policy-review service operated by My Health Protected Ltd. ## Service The site helps UK readers understand private medical insurance and request a review through My Health Protected Ltd. The service is funded by insurer commission if a customer takes out or switches a policy. Quotes, available insurers and underwriting depend on the applicant and their circumstances. ## Guide library - [How Much Is Private Health Insurance UK? (2026 Cost Guide)](https://reviewhealthinsurance.co.uk/knowledge/how-much-is-private-health-insurance-uk/): Typical UK private health insurance costs by age and cover level, from £30–£200/month. See what affects your premium and how to cut it. - [Is Private Health Insurance Worth It in the UK? (2026)](https://reviewhealthinsurance.co.uk/knowledge/is-private-health-insurance-worth-it/): Is UK private health insurance worth the cost? Weigh the benefits against the NHS, see typical premiums, and decide what's right for you. - [Compare Private Health Insurance UK | Plans, Cover & Providers](https://reviewhealthinsurance.co.uk/knowledge/compare-private-health-insurance-uk/): Compare private health insurance in the UK by cover level, hospital list, outpatient limits, excess and insurer. See what to check before choosing a plan. - [Health Insurance Renewal UK | Review Before You Renew](https://reviewhealthinsurance.co.uk/knowledge/review-health-insurance-renewal/): Health insurance renewal due? Review your premium, cover, underwriting and switching options before you renew or auto-renew your UK policy. - [Private Health Insurance UK: First-Time Buyer's Guide](https://reviewhealthinsurance.co.uk/knowledge/private-health-insurance-first-time/): New to private health insurance? Learn how it works, what it covers, how much it costs, and how to choose the right plan with confidence. - [Best Health Insurance UK 2026 | Top Providers Reviewed](https://reviewhealthinsurance.co.uk/knowledge/best-health-insurance-uk/): Which UK health insurer is best for you? See how Bupa, AXA, Aviva, Vitality, WPA and other providers differ, plus what each may suit. - [UK Health Insurance Waiting Times: NHS vs Private 2026](https://reviewhealthinsurance.co.uk/knowledge/health-insurance-waiting-times-uk/): How NHS and private waiting times compare in the UK, what private cover can and cannot speed up, and why a condition you are already waiting for is unlikely to be covered. - [Family Health Insurance UK 2026: Costs, Cover & Children](https://reviewhealthinsurance.co.uk/knowledge/family-health-insurance-uk/): Family health insurance UK guide for 2026. Compare cover for parents and children, family discounts, child-only options, newborn rules, costs and underwriting. - [Private Health Insurance Northern Ireland 2026: Costs & Cover](https://reviewhealthinsurance.co.uk/knowledge/private-health-insurance-northern-ireland/): Compare private health insurance in Northern Ireland. See 2026 costs, HSC waiting-time context, private hospitals, underwriting and what to check before you buy. - [AXA vs Bupa Health Insurance: Cover Compared (2026)](https://reviewhealthinsurance.co.uk/knowledge/axa-vs-bupa-health-insurance/): Compare AXA Personal Health with Bupa By You: outpatient cover, cancer options, consultant choice and the checks to make before switching insurers. - [Bupa vs Aviva Health Insurance: Compare Cover (2026)](https://reviewhealthinsurance.co.uk/knowledge/bupa-vs-aviva-health-insurance/): Compare Bupa By You and Aviva Healthier Solutions on diagnosis, hospital access, guided options and renewal costs, with direct insurer sources. - [Bupa vs WPA Health Insurance: Cover Compared (2026)](https://reviewhealthinsurance.co.uk/knowledge/bupa-vs-wpa-health-insurance/): Compare Bupa By You Comprehensive with WPA Complete Health: outpatient options, cancer selection, hospital access, no-claims rules and switching checks. - [Switching Health Insurance with Pre-Existing Conditions](https://reviewhealthinsurance.co.uk/knowledge/switching-health-insurance-pre-existing-conditions/): Understand CPME, continued moratorium and switching with pre-existing conditions. Check exclusions, benefit changes and ongoing treatment before cancelling. - [Leaving Company Health Insurance: Keep Your Cover?](https://reviewhealthinsurance.co.uk/knowledge/leaving-company-health-insurance/): Leaving work, retiring or made redundant? Check health insurance continuation, Bupa and AXA deadlines, ongoing treatment and family cover before your scheme ends. - [Health Insurance No-Claims Discounts Compared (2026)](https://reviewhealthinsurance.co.uk/knowledge/health-insurance-no-claims-discount/): Compare published Bupa, AXA, WPA and Exeter no-claims discount rules. See how claims affect discount levels and why a protected discount is not a fixed premium. - [Guided vs Non-Guided Health Insurance: What Changes?](https://reviewhealthinsurance.co.uk/knowledge/guided-vs-non-guided-health-insurance/): Understand guided health insurance, open referrals and consultant choice. Compare AXA Guided, Bupa guided care and Aviva Expert Select using insurer documents. - [Health Insurance Outpatient Cover: Limits Explained](https://reviewhealthinsurance.co.uk/knowledge/health-insurance-outpatient-cover/): Compare health insurance outpatient limits, consultation allowances and diagnostic cover. See worked examples and why the same headline limit can work differently. - [Health Insurance Excess: Compare Costs with Our Calculator](https://reviewhealthinsurance.co.uk/knowledge/health-insurance-excess/): Compare health insurance excess options using your own quotes. Calculate annual savings and costs if nobody claims, one person claims or the whole family claims. - [Health Insurance Hospital Lists: Check Your Access](https://reviewhealthinsurance.co.uk/knowledge/health-insurance-hospital-lists/): Check health insurance hospital lists, consultant recognition and guided referral rules. Use our practical checklist before buying cover or booking treatment. ## Attribution and sources The ten policy guides added on 7 October 2026 are attributed to ReviewHealthInsurance. Their source lists identify the insurer documents used; numerical examples are labelled as illustrations. They do not claim personal review by Patrick Baxter or Sadie Sansford. Policy versions, exclusions, options and membership certificates determine individual cover. The no-claims discount guide identifies conflicting Bupa wording at exactly £1,200 and the difference between WPA’s live calculator and its March 2026 brochure. Check the policy version before applying a discount rule. ## Navigation - [All guides](https://reviewhealthinsurance.co.uk/knowledge/) - [Request a review](https://reviewhealthinsurance.co.uk/mhp-quote-form.html) - [Privacy](https://reviewhealthinsurance.co.uk/privacy-policy/) - [Terms](https://reviewhealthinsurance.co.uk/terms/) ## Guide features - The guided versus non-guided guide compares AXA, Bupa, Aviva, Vitality and The Exeter using primary sources checked on 8 October 2026. It separates consultant selection from benefits and underwriting, explains fee shortfalls, and retains the referral-route diagram. Cost examples are hypothetical, not insurer quotations. - The hospital-lists guide includes regional hospital examples from official provider directories, checked on 8 October 2026. These identify facilities and locations, not insurance eligibility. Confirm the exact policy option, consultant, fees and treatment authorisation with the insurer. - Insurer comparisons distinguish named individual products and selected options. - Switching and company-leaver guides explain acceptance checks, continuation windows and cover changes. - The excess calculator compares one year’s premiums plus an annual excess per claimant; it excludes future renewal changes and uninsured costs. - Five policy diagrams illustrate discount movements, referral routes, outpatient allowances, excess costs and switch checks. Their captions explain the assumptions. - The ten October policy guides use Article and BreadcrumbList structured data. Visible FAQs remain useful to readers, but these guides no longer use FAQPage markup following Google’s retirement of FAQ rich results in May 2026. This file is a navigation aid. It is not a policy contract, a ranking guarantee or evidence of a named person’s editorial review.