Health Window | Compare Private Medical Insurance

Find the best available rates on Health Insurance in 3 steps

Let us help you do the hard work. Speak with an independent insurance broker to help you get the best cover.

Enter your details

Tell us about yourself.

Compare quotes and save

Easily compare quotes & choose the right cover with help from an impartial broker.

Confirm your policy

Receive the documentation for your cover.

Buy Aviva Health Insurance

Why use us to help you find appropriate Aviva cover

Renewing or need new cover for yourself or your family? Complete our 1‑minute Health Window form for a no-obligation quote from a friendly, independent whole-of-market broker.

Tailored covers

Find individual or family cover to suit your needs.

Advanced treatments

Get access to treatments not routinely available on the NHS

Save time and money

Compare health insurance from across the whole-of-market.

No more waiting

Skip the need for NHS queues with the best private medical cover.

Request a free quote now

About Aviva Health Insurance

Aviva is a leading insurer providing insurance solutions to around 6 million customers. Aviva is number one in the UK market. In 2023, Aviva won ‘General Insurer of the Year’ at the Insurance Times Awards for the 10th year running. With the right Aviva cover, you can receive faster treatment – bypassing NHS waiting lists and with more choice on who, when and where you receive treatment.

With Aviva health insurance you will also receive Aviva’s Digital GP, a 24/7 GP video consultations service and cancer treatment and palliative care as well as aftercare, as standard.

If you’re looking to take out new cover, or renew a policy, with Aviva – we can help you.

Find the best cover for you

Frequently Asked Questions

If I become sick, can I avoid waiting in NHS queues?

With a PMI policy in place, you'll have access to a wider range of expert medical help should you need it; and depending upon the terms of your policy, the main costs of your treatment will be covered. Whilst the NHS does an amazing job, queues are inevitable for all but the most acute medical emergencies, and PMI policies are often taken to avoid those queues in the future, by being able to access a wider range of expert medical help.

What does a Private Medical Insurance policy cover?

Private health insurance plans are typically designed to cover treatment for short-term, or acute, illnesses, diseases or injuries. Though the cover you get from private medical insurance depends upon the policy that you buy. Basic cover will usually pick up the cost for most in-patient treatments (tests and surgery) and day-care surgery. Some policies will extend to cover out-patient treatments (such as specialists and consultants)

But I'm healthy, so why would I want Private Medical Insurance?

A PMI policy, like all insurance policies, is your protection against the future and not the present. There's no better time to consider taking PMI than when you're healthy - if you wait to become sick it may be too late. Most policies won't cover pre-existing conditions that you've suffered in the 5 years prior to taking your policy - so getting cover while you're feeling fit and healthy is an effective way to lock in your good health.

Can I access treatments not available on the NHS?

In the UK, private healthcare is not subject to the same lengthy regulatory procedures as its public sector counterpart; so you may be able to obtain brand-new drugs, rehabilitation techniques and advanced therapeutic methods, before they become available to NHS patients. Some specialist drugs and treatments are considered too expensive for the NHS or may not have approval by NICE (England & Wales) or the SMC (Scotland).

Are there ways to reduce my Health Insurance cost?

Private health care costs vary between insurance providers but factors like your age, if you smoke, where you live (postcode) and the level of cover you choose will have an influence on your premium. In addition to comparing quotes, here are some ways to cut down the cost of your cover without having to make serious sacrifices:

1. You can choose to add a voluntary excess to your policy, i.e. an amount that you’ll have to contribute towards a claim. The excess amount can range from £0 to £1,000 and the higher your excess, the more you’ll contribute towards your healthcare costs and so the lower the premiums will be. Adding an excess of as little as £200 can cut premiums by as much as 10%.
2. You can choose to pay your premiums annually instead of monthly.
3. If you haven’t had to claim on your insurance for a certain length of time, then you could get a discount/no-claim bonus.
4. Insurers will rank each hospital and if you agree to exclude certain prestigious hospitals or the most expensive hospitals then this can help reduce your premiums.

Health Window is not an insurance company, but we provide you with a free service to compare multiple UK insurance providers' quotes, helping you find the best value PMI deal and a policy that most closely matches your specific needs.

What are the top treatments claimed for?

To give an indication of the treatments commonly covered by private health insurance, the 2023 Private Healthcare Information Network (PHIN) report highlights the most common private procedures:

1. Musculoskeletal Problems (e.g., back, hip, knee, and neck pain)
2. Cancer (Oncology)
3. Digestive System Conditions (e.g., gastroenteritis, Crohn’s disease, irritable bowel syndrome)
4. Eye Conditions

Beyond these, other significant drivers of private healthcare demand include Heart & Circulatory Diseases, ENT (Ear, Nose & Throat) Treatments, Dental & Orthodontics, Gallbladder Removal, Dermatology, Mental Health Services, and Maternity & Fertility Treatments.

Compare Aviva and other leading UK providers to get the best rate

Compare UK providers

Reviews

“

A professional health insurance expert was able to explain my options. I'm happy with the Health Window service and would definitely recommend it.
Pam Coe-Tibbits

”

“

Great service! Health Window has just saved me precious time and money and I've got the perfect health plan for me and my family.
Mr Philip Wilson

”

Health Window is not an insurance company. We offer a free service to help you obtain quotes from top UK insurers, making it easier to find the best value cover for your needs.

Our service is free to use without any obligation to accept the quotes that you receive.

Health Window is a trading name of Magnetise Choices Ltd. Magnetise Choices Ltd is an Appointed Representative of Richdale Brokers & Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority (FCA) (Firm Reference Number: 769876).

Health Window is a free service that connects you with FCA-authorised brokers who can help you compare quotes from a wide range of health insurers. We don’t give any advice or arrange insurance, all regulated services are provided by the brokers we refer you to. Find out more about our compensation notice and money back in your pocket promise.

Insurance details published on this site are for information purposes only and do not constitute financial advice.

By submitting the enquiry form you agree that: 1) The information you provide is true and accurate; 2) Health Window may at its sole discretion send the details of this enquiry to an appropriate authorised insurance broker to provide you with health insurance quotes, and 3) the insurance broker may contact you for further information as required. We aim to connect you with a whole-of-market broker. In limited circumstances, you may be referred to a broker who works with a smaller panel of providers, and some products may be exclusive to certain insurers or intermediaries.

Premiums may vary depending on each individual’s circumstances.

* £22.91/month (~ £5.29/week) for a 31-year-old non-smoker in Northumberland, taking out Treatment Cover plan with £100 excess on first claim each year. £24.29/month (~ £5.61/week) for a 37-year-old non-smoker in Northumberland, taking out Treatment Cover plan with £250 excess on first claim each year. £37.12/month (~ £8.57/week) for a 50-year-old non-smoker in Northumberland, taking out Treatment Cover plan with £250 excess on first claim each year. All plans include limited cancer cover. Treatment Cover with £50,000 limit per policy year. Pricing part of WPA’s current promotion - varies by individual circumstances; other exclusions and plans apply. Analysis based on March 2025.

We use cookies to personalise this site and improve your browsing experience. View our Privacy/Cookie Policy for more information.

Magnetise Choices Ltd, Company Number 71329, with its registered address at Les Echelons Court, St Peter Port, Guernsey, GY1 1AR.

This page is powered by

Find Affordable Health Insurance