Top 10 Best Insurance Companies in UK

by | September 3, 2020 | Insurance

The best way to protect you from an unexpected loss is to buy insurance. The insurance companies manage your financial risk by paying you if something goes wrong. Without insurance, if any uncertainty happens, you have to bear all expenses. Having the right insurance for the expected and unexpected risks can make a big difference in one’s life.

Imagine you are driving, and your car hits another vehicle in this accident, you damage your car. This damage is unexpected and costs you a hundred dollars, but if you have an auto insurance policy, the insurance company will pay for some or all damages.

People are buying insurance policies for companies and properties but not for their health and life. Health and life insurance is the need of the day. With the constant increasing price of health care and the rising instance of diseases, health insurance has become a necessity. Uncertainty is a part of life, and we cannot control it, but we can prepare for it.

It is a fact that health care is expensive these days, not everyone can bear the hospital’s bills. Health insurance provides people financial backup at the time of emergency. Health insurance companies also help in the deduction of income tax. Different age groups have a different amount of income tax deduction.

These insurance companies are also giving additional benefits, for instance, free ambulance service, daily care checkups, vaccinations, and day-care surgeries.

Types of Health Insurance Plans

Before we discuss insurance companies, let’s take a brief look at different insurance plans.

  • Prefer Provider Organization (PPO)
    In PPO customers are connected to a network of doctors and hospitals. In this service, the customer can negotiate or may get discount rates.
  • Health Maintenance Organization (HMO)
    HMOs have lower health care expenses, but less flexibility in the choice of physicians or hospitals.
  • Point of Service (POS)
    POS is a combination of PPO and HMO. Employees can choose physicians and hospitals with lower health care expenses.
  • Exclusive Provider Organization (EPOs)
    EPOs provides a network of physicians their members are required to use except in the case of emergency.
  • Indemnity Health Insurance Plans
    It is a fee-for-service plan because of pre-determined amounts or percentages of costs paid to the member for covered services.
  • Health Savings Account (HSA)
    HSA detects an amount from your savings account and uses it in case of an emergency.
  • Health Reimbursement Arrangements (HRAs)
    It allows employers to provide health benefits without having to offer a group health insurance plan.

Best Insurance Companies in UK

If you are living in the United Kingdom and planning for health insurance, here are the top 10 health insurance companies in the United Kingdom you should consider.

AXA Health Insurance

AXA PPP health care has more than 2 million members. It’s been more than 70 years AXA providing is health care services. It is considered the largest and most trusted insurance company in the United Kingdom. AXA is famous for offering flexible and cost-effective healthcare plans. This company facilitates the customer to choose the cover that fits your needs or the needs of your business.

AXA made personal health care plans. These plans are flexible and suit an individual’s needs and budgets. Providing therapies, mental health treatments in health insurance is one of the best services of AXA PPP.

The cashback policy applies to dental treatment, eye tests, and physiotherapy. In this policy, the company gives you money back towards the costs of everyday healthcare or lowers the cost of daily health care.


Bupa‘s headquarter is in the United Kingdom, but it is serving 32 million customers in 190 countries. Unlike other Health insurance companies, it is a tax-funded health insurance company. Bupa is currently running care homes, dental clinics, and workplace health centers. Its health insurance plans include medical checkups and choice of hospitals. Providing cancer drugs is also a part of Bupa’s health insurance plans.

There are no financial and time limits in the treatment of cancer in Bupa insurance plans. Bupa is the only company that is facilitating its customers with chemotherapy and palliative care delivered at home.

Health Online

Health online policies are written by AXA PPP healthcare ltd. Health online gives 200 quality assessed hospitals in the AXA PPP network. Health Online has over 82,000 members, and its number is rising.

This company offers you to choose from different options to tailor the cover for you. Depending on your requirements, you can add additional options. Health online offers family and individual health insurance. You can mix and match options while building a family health insurance plan. Unmarried children up to the age of 24 can also be a part of your insurance plan.


Cigna is operating in the United Kingdom since 1983. Cigna offers dental insurance plans, health insurance plans, mental disability, and physical disability. It is a type of insurance company that believes in partnership with large and small firms and provides their employee’s health care needs.


WPA traces their root to 1901. A 110 years old company offers the best health insurance and general insurance plans. WPA is offering individual and family health insurance at a lower cost. Including long term and short term insurance plans, WPA is considering your needs and requirements. The company policies include cashback health insurance, in which they give your expenses back in a negotiable period.

Saga Life Insurance

Saga is providing health insurance for more than 25 years with a range of plans at competitive prices. The saga insurance company is giving access to several hospitals in the UK, and there is no limit of age. Buying a health plan for Saga is very easy, and you can easily switch to other health plans. Saga health insurance has a free quote, and you will never have to pay for the service.

Simply Health

Simply health is serving people of the United Kingdome for more than 145 years. It covers health and dental insurance plans for both individuals and families. These health care plans provide fast and essay health cover for individuals and families. Simply health is providing the facility of GP round the clock. AXA acquires simply health, but they are still working as an independent company.

Aviva Health

Aviva Health Insurance Company is one of the largest insurance companies in the United Kingdom. It is serving 34 million customers worldwide and providing life and general insurance in Europe and the United Kingdom. Aviva provides strong health insurance, asset management businesses, and general insurance.

Vitality Health

Vitality Health covers 4.4 million live globally. Encouraging its member to be healthier and protect their lives is part of the Vitality Health plan. Vitality Health tries to make its member understand the importance of their health and make it easy for them to maintain health at a lower cost. Its health plans include family and individual health insurance plans.

CS Healthcare

CS Healthcare was founded in 1929. In the beginning, CS Healthcare used to provide its services to civil servants and public sector workers only. CS Healthcare is offering long term and short term insurance plans for families and individuals.

I hope this list help you find the best insurance company in UK for your needs.

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