- FCA Regulated Broker
- 100% Free Comparison Service
- Impartial Expert Advice
- FCA Regulated Broker
- Impartial Expert Advice
Compare Health Insurance With Clear, Practical Advice
Private health insurance can be difficult to compare. One policy may include outpatient cover as standard, another may not. One insurer may offer strong mental health support, while another may focus on lower-cost hospital treatment. Some providers offer rewards, some use guided hospital access, and others structure cover through optional modules.
- Compare 15+ Top Insurers
- Free Impartial Advice
- Zero Obligation
Find your perfect cover
Find your perfect cover
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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.
We help you compare:
- Private health insurance for individuals
- Family health insurance
- Business health insurance
- Director and key person medical cover
- Health insurance renewals
- Policies from leading UK insurers
We explain the details clearly so you know what you are buying.
What Can We Help You With?
Private Health Insurance
Cover for individuals who want access to eligible private diagnosis, treatment, hospital care and specialist support.
Family 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.
Business Health Insurance
Company private medical insurance for directors, employees or whole teams. Support staff wellbeing, recruitment, retention and business continuity.
Renewal Reviews
Already have health insurance? We can review your renewal, explain any changes and compare whether your current policy still offers suitable value.
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:
- Bupa
- Aviva
- Vitality
- AXA Health
- The Exeter
- WPA
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
Step 01
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.
1
Step 02
We review your options
We compare suitable cover options and explain the important differences.
2
Step 03
We explain the details
You will understand what is included, what is optional, what is excluded and what to watch out for.
3
Step 04
You decide
There is no pressure and no obligation. You decide whether the cover is right for you.
4
Step 05
We help with the application
If you proceed, we help with the next steps and explain what happens after the policy starts.
5
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.
Renewals
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 your renewal, Swan Protect can help you check:
- Whether your price is still competitive
- Whether your cover has changed
- Whether your hospital list still suits you
- Whether switching could affect pre-existing conditions
- Whether your underwriting terms should be preserved
- Whether a different excess or cover structure could reduce cost
A renewal review is not only about finding a cheaper price. It is about keeping the right protection in place.
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
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. Swan Protect is not an insurer. Swan Protect is a trading name of Stonebridge Cover Limited and helps arrange or compare insurance options through relevant insurers or providers.
Is the quote free?
Yes. You can request a quote without obligation. If you take out a policy, we may receive commission from the insurer.
Can you help with business health insurance?
Yes. We can help companies compare business health insurance for directors, selected employees or wider teams.
Can you help if I already have cover?
Yes. We can review your renewal and help you understand whether your policy still suits your needs.
15,000+
Quotes Compared Annually
Why it pays to compare through us.
Navigating the insurance market is complex. As an independent broker, we don’t work for the insurers; we work for you. We strip away the marketing jargon to give you expert insight into trends, true costs, and provider ratings
Created by Industry Experts
Our content is written and reviewed by specialists with decades of experience. We analyze the whole market to find policies with the best benefits and fewest exclusions.
Dedicated Account Managers
No call centers. When you request a quote, you are matched with a dedicated, vetted broker who specializes in the exact cover you need.
Completely Fee-Free Service
Our journalism, guides, and broker comparison services cost you nothing. We are only paid a standard commission by the insurer if you choose to proceed.
From Enquiry to Coverage
Step 01
Quick Enquiry
Tell us what you need via our secure 60-second form or a quick phone call.
1
Step 01
Expert Fact-Find
Your dedicated broker assesses your specific needs, budget, and medical history.
2
Step 01
Market Review
We compare leading providers to find policies with the best benefits and fewest exclusions.
3
Step 01
Setup & Aftercare
We present our tailored recommendation, handle the application, and support your renewals.
4
Rated Excellent by Professionals
"The team made setting up our corporate group scheme incredibly straightforward. They explained the tax implications perfectly and found a Bupa policy that saved us 15% compared to our direct renewal quote."
Sarah T.
Operations Director, London
"The team made setting up our corporate group scheme incredibly straightforward. They explained the tax implications perfectly and found a Bupa policy that saved us 15% compared to our direct renewal quote."
Sarah T.
Operations Director, London
"The team made setting up our corporate group scheme incredibly straightforward. They explained the tax implications perfectly and found a Bupa policy that saved us 15% compared to our direct renewal quote."
Sarah T.
Operations Director, London
Reviews of Leading Providers
Our independent, frequently updated reviews rate the UK's top insurers on coverage limits, hospital networks, claims processing, and overall value.
Bupa Health Insurance Review 2026
In-depth analysis of Bupa By You, focusing on their extensive hospital list and strong mental health coverage options.
AXA Health PMI Review
Exploring AXA's modular approach, outpatient limits, and fast-track access to online GP services.
Vitality Health & Rewards
How Vitality's unique active rewards program impacts your premiums, Apple Watch benefits, and overall coverage.