Compare Health Insurance With Clear, Impartial Advice.
Private health insurance can be difficult to compare. One policy may include outpatient cover as standard, another may not. We help simplify the process to find the perfect coverage for you.
Hospital Treatment
Focus on lower-cost or premium hospital access networks tailored to your needs.
Mental Health
Compare insurers offering strong mental health & comprehensive wellbeing support.
Comparing policies from the
UK's top providers.
Health Insurance
That Fits Your Needs
The right health insurance policy is not always the cheapest one. It is the policy that gives you the right balance of cover, cost, hospital access and exclusions.
- Private health insurance for individuals
- Director and key person medical cover
- Family health insurance
- Health insurance renewals
- Business health insurance
- Policies from leading UK insurers
We explain the details clearly so you know what you are buying.
Private Health Insurance
Cover for individuals who want access to eligible private diagnosis, treatment, hospital care and specialist support.
Learn moreFamily Health Insurance
Cover for couples, parents and children, with options to compare child pricing, digital GP access, cancer cover, mental health support and hospital choice.
Compare family coverBusiness Health Insurance
Company private medical insurance for directors, employees or whole teams. Support staff wellbeing, recruitment, retention and business continuity.
Explore business coverRenewal Reviews
Already have health insurance? We can review your renewal, explain any changes and compare whether your current policy still offers suitable value.
Review my renewal
Compare Leading UK
Health Insurance Providers
Different insurers structure cover in different ways. Swan Protect helps you understand the differences between major UK health insurance providers, including:
• Other providers where suitable and available
We do not simply look at the headline premium. We look at what the policy actually includes and where the gaps may be.
What We
Compare For You
Cover level
We help you understand whether the policy includes inpatient care, outpatient consultations, scans, cancer cover, mental health, therapies and digital GP services.
Hospital access
We explain the difference between guided hospital access, restricted hospital lists and wider hospital choice.
Excess options
We show how changing your excess may affect your monthly premium and what you would pay if you claim.
Underwriting
We explain the difference between moratorium underwriting, full medical underwriting and switching terms where applicable.
Price and value
A cheaper policy can sometimes remove important cover. We help you understand what you gain and what you give up.
How Swan Protect Works
Tell us what you need
Complete our quote form or speak to us directly. Tell us who you want to cover and what matters most.
We review your options
We compare suitable cover options and explain the important differences.
We explain the details
You will understand what is included, what is optional, what is excluded and what to watch out for.
You decide
There is no pressure and no obligation. You decide whether the cover is right for you.
We help with the application
If you proceed, we help with the next steps and explain what happens after the policy starts.
Why People Choose
Health Insurance
People usually consider private health insurance because they want:
Faster Access
Faster access to eligible diagnosis and treatment
More Choices
More choice over hospitals and specialists
Strong Cancer Cover
Strong cancer cover
Digital GP Access
Digital GP access
Family Support
Support for family healthcare
Mental Wellbeing
Mental health and physiotherapy options
Shorter Wait Times
Reduced reliance on waiting lists for eligible treatment
More Control
More control over planned healthcare decisions
Private health insurance is not right for everyone, but it can provide reassurance when structured correctly.
Do Not Accept
Without Checking.
Health insurance renewal prices can increase because of age, claims history, medical inflation, postcode, cover changes or insurer pricing updates.
Before you accept, Swan Protect will check:
-
Whether your price is competitive
-
Whether your cover has changed
-
If your hospital list still suits you
-
Impact on pre-existing conditions
-
If underwriting terms are preserved
-
If excess structures could reduce cost
A review is not just about price, it's about keeping the right protection.
Clear Advice,
No Pressure.
Health insurance can be personal. Your age, health history, family situation and budget all matter. Our aim is to make the process clear and practical. We explain the options, highlight the trade-offs and help you avoid buying cover based on assumptions.
Frequently Asked
Questions
We believe in complete transparency. If you cannot find the answer you are looking for below, our expert advisers are ready to help.
What does Swan Protect do?
Swan Protect helps individuals, families and businesses compare health insurance options and understand the key differences before applying.
Is Swan Protect an insurer?
No, we are an independent, FCA-regulated broker. We compare policies from leading UK insurers to find the right coverage tailored to your specific needs without bias toward any single provider.
Is the quote free?
Yes. Our comparison service and expert advice are 100% free, and there is absolutely no obligation to buy. We are remunerated by the insurer only if you decide to proceed with a policy.
Can you help with business health insurance?
Absolutely. We help businesses of all sizes find the right private medical insurance for their teams, directors, and key personnel to support staff wellbeing, recruitment, and retention.
Can you help if I already have cover?
Yes, we offer comprehensive renewal reviews. We evaluate your current policy against the market to ensure your price remains competitive and that your cover still provides the protection you need.