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Compare Health Insurance With Money Pug

  • We all know the pressure that our national health service is under. Going private and taking out private health insurance is one way to get some peace of mind. When you have appropriate private health insurance, you can rest easy knowing that you will be covered for any treatment that you may need. When you compare health insurance with Money Pug, it is easy, quick and convenient to find the right policy and cover for you. So, whether you are taking out health insurance for the first time, or shopping around to get the best deal rather than automatically renewing your health insurance with your current provider, Money Pug should be your first port of call. 

What is Health Insurance and How Does it Work?

  • A private health insurance policy covers the cost of private healthcare. Just like any other insurance, you will pay either annually or monthly, and the provider (providing the treatment you require is covered) will pay out some or all of the cost of the treatment that you receive. 
  • Using private healthcare is an alternative to using publicly funded health services like the NHS. You will usually be able to receive treatment more quickly if you opt for private care. You may be able to choose to go to private hospitals, or see specialists who cannot be seen on the NHS. If the treatment is approved, the insurer will pick up the cost. 

What Level of Cover Should I Get?

One of the most important things to understand about health insurance is that the level of cover you will get will depend on the policy that you take out. It is important to check the fine print and make sure you understand what exactly will be covered and what will not. 

Generally speaking, there are three different levels of cover:

  • Basic (for inpatient procedures at a hospital, and any related costs).
  • Medium (which usually covers inpatient care and outpatient care and support).
  • Comprehensive (which typically covers you for inpatient and outpatient care, but also for extra surrounding treatment, such as mental health care and physiotherapy). 

What Types of Policy are Available?

In addition to thinking about the level of cover you require, it is also important to think about what type of policy you should get. There are a number of different options when it comes to policy type.You might require:

  • Individual health insurance (which covers just you).
  • A joint health insurance policy (which covers you and your partner).
  • Child health insurance (tailored to suit the needs of a child).
  • Family health insurance (providing cover for the whole family).

What Affects the Cost of Health Insurance?

The cost of health insurance can vary considerably from provider to provider. That is why it is so important to turn to Money Pug, as we can help you to find the very best deal for your needs and wants. But the price of a policy will generally be affected by the following factors:

  • Which level of cover you go for and how comprehensive the cover is.
  • Whether you opt for any extras that increase the premium.
  • Where you live. (Health insurance costs more in some areas than in others. It is cheapest in Scotland, and most expensive in London, the south east of England, and the north west.)
  • Your age. (Generally speaking, the older you are, the more you will have to pay. Those under 25 pay just a third of what those aged 56-65 pay for health insurance.)
  • Your habits. (Smokers, for example, will pay more. )

How can I cut costs on my health insurance?

You can cut costs on your health insurance by:

  • Opting to increase the excess.
  • Reducing your preferred hospital list.
  • Take a six week option (which means you’ll only claim for private care if it takes more than six weeks to be seen on the NHS).
  • Reducing unnecessary elements of your cover.
  • Opt to co-pay on any claims. (This means paying a percentage of the costs over and above the excess.)

Compare with Money Pug today to get a you, you and your partner, or your family a great deal on health insurance.

Compare Health Insurance FAQs

What is not covered by private health insurance?

This will vary policy to policy and provider to provider. However, the following are usually not covered:

  • Pre-existing conditions
  • Self-inflicted injury
  • Injuries related to dangerous sports or other activities
  • Substance abuse related issues
  • Routine pregnancy
  • Organ transplants
  • Cosmetic proceduresMobility aids


What optional extras can I get with my health insurance?

Optional extras can differ greatly. However, common extras include:

  • Dental care
  • Eye care
  • Physiotherapy
  • HomeopathyMental health services

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