FCA Authorised & Accredited Member • 100% Free Service

Smart, Impartial Health Insurance Advice You Can Trust.

Medischeme decodes the complex world of health insurance into plain, jargon-free English. We compare the UK's leading insurers to find the ideal policy for you, your family, or your business — with zero broker fees.

Review Existing Policy
4.9 / 5 Rating
100% Free Advice
FCA Regulated
Happy Protected UK Family
100% Fee-Free
Insurer-Funded Brokerage
Avg £320 Savings
On Annual Premiums
Whole-of-Market Coverage

Our Health Insurance Specialisms

Whether you are an individual seeking rapid treatment access, a family protecting your children, or a company managing team benefits.

Individual Private Medical Insurance

Bypass long NHS waiting lists and access top private hospitals, leading surgeons, and cutting-edge cancer drugs not available as standard.

  • Choice of private hospitals and top UK specialists
  • Full diagnostic coverage (MRI, CT scans, blood tests)
  • Flexible excess options to fit your budget
Individual Private Medical Insurance Consultation

Family Health Protection

Keep your loved ones protected with immediate specialist care, 24/7 video GP appointments, and free child cover options available through select UK insurers.

  • 24/7 Virtual GP consultation access for the whole family
  • Free child cover on selected family plans
  • Comprehensive mental health & physiotherapy support
Family Health Protection

Company & Group Schemes

Attract and retain top talent with tax-efficient corporate health schemes. Reduce staff sickness absence and give your team fast access to private healthcare.

  • Scalable options for teams of 2 to 500+ employees
  • Tax-deductible allowable business expense
  • Fast-track employee return to work & rehab
Company & Group Schemes

Policy Review & Switch (CPME)

Beat annual insurance price hikes. We switch your policy to a lower rate without losing cover for existing medical history via Continued Personal Medical Exclusions (CPME).

  • Maintain cover for pre-existing conditions
  • Save up to 35% on annual renewal premiums
  • Hassle-free transition handled by expert brokers
Policy Review & Switch
Why Medischeme

The Independent Broker Advantage

We cut through insurance confusion to deliver honest, transparent advice tailored strictly to your healthcare priorities.

100% Free Service

You pay nothing for Medischeme's expert guidance. We receive a standard regulated fee directly from whichever insurer you select.

Jargon-Free Guidance

Health insurance speaks a language of its own. We explain terms, moratoriums, and underwriting in clear, straightforward English.

Whole-of-Market Access

Unlike single-brand providers, we review the entire UK market so you never miss out on exclusive discounts or superior cover.

Annual Policy Lock Reviews

We proactively audit your arrangements every renewal year to ensure your rate remains optimal and free from unfair price hikes.

Bespoke Advisory Service

Personalised Reviews — Not Online Calculators

Every health insurance requirement is unique. Automated online calculators often generate inaccurate figures by ignoring medical history. At Medischeme, our FCA-regulated specialists analyze whole-of-market options personally to guarantee accurate, tailored pricing.

Tailored Medical Audit

We examine Moratorium vs. Full Medical Underwriting specifically for your medical background so you are never surprised at claim time.

100% Impartial Brokerage

We work exclusively with top-tier UK insurers (Bupa, AXA, Aviva, Vitality & The Exeter) to negotiate maximum coverage for your budget.

Fast Personal Response

Speak directly to an experienced advisor who will build your quote personally — with 100% zero client fees or hidden charges.