Health insurance quotes: a simple estimate of what you will be paying as a monthly premium to your insurance provider. For many UK residents, finding a quote can pose a challenge. Sometimes they seem far too high than what they’re willing to pay for medical cover.

Health insurance quotes are easy to find online. However, that’s only half the battle. The amount of information can be overwhelming. Most insurance seekers in the UK who want private medical cover also want the lowest possible rates and premiums. At the same time, quality coverage can sometimes seem prohibitively expensive. Which simply means… Taking the time to look at and compare health insurance quotes is essential. There are plenty of online calculators that can provide free quotes. But if you’re seriously looking, it’s a good idea to know exactly what you’re looking for.

Specific health insurance providers are probably the first thing most people look at. There are certainly many good providers and well-known, trusted brands out there: but searching via provider isn’t always effective. In many cases, it’s good to go on a plan-by-plan basis. Basically, forget about providers for a moment: think about what you need in a health insurance plan. Quite simply:

• What level of cover are you looking for?
• Do you, for example, want access to both inpatient and outpatient treatment?
• Are you willing to pay excess for a lower premium?
• Would you like the option of adding extra coverage, further down the line?
• Are you looking for individual medical cover, spousal cover or family health insurance?
• Do you have any pre-existing conditions?