How do I switch private health insurance without losing cover for existing conditions?
How switch terms, continued moratorium and CPME work when moving UK private medical insurance, what insurers check, and the mistakes that cost people their cover.
Moratorium or full medical underwriting: which should I choose?
The real difference between moratorium and full medical underwriting on UK private medical insurance, who each suits, and how each behaves when you claim.
What does private health insurance actually not cover?
The standard exclusions on UK private medical insurance explained properly: chronic conditions, emergencies, pregnancy, pre-existing conditions and the acute versus chronic rule.
How much does private health insurance cost in the UK?
UK private medical insurance costs by age from Which? research published July 2026: monthly premiums at 30, 40, 50, 60 and 70 for core and comprehensive cover, what moves the price, and how to keep it sensible.
Why do private health insurance premiums rise every year, and what can I do about it?
The four reasons UK private medical insurance renewals rise, age pricing, medical inflation, claims and tax, what a normal increase looks like, and the renewal levers that work.
Can I get private health insurance with a pre-existing condition?
How UK private medical insurance treats pre-existing conditions: moratorium rules, full medical underwriting, medical history disregarded on company schemes, when exclusions end, and how to switch insurer without losing the position you have built up.
Private medical insurance: the questions people actually ask
Short answers to the twenty-two questions we are asked most, from whether cover is worth it to how we are paid.