Terms and Conditions

Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Compare-Health-Plans’ relationship with you in relation to this website.

The term 'Compare-Health-Plans' or 'us' or 'we' refers to the owner of the website whose registered office is Pool Business Park, Pool Road, Pool in Wharfedale, Otley, Leeds, LS21 1FD, UK. The term ‘you’ refers to the user or viewer of our website.

1. Use of this site

The content of the pages of this website is for your general information and use only. It is subject to change without notice. This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.

2. Liability

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

The site is for your personal use and is not to be used for any commercial purpose. As a result, Compare-Health-Plans can not be responsible under any circumstances for your loss of profits arising under or in connection with:

  • use of, or inability to use, our site; or
  • use of or reliance on any content displayed on our site.

If you are a business user, please note that in particular, we can not be liable for:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation;
  • any indirect or consequential loss or damage.

While we strive to keep the site online and in full working order at all times, we cannot promise that the site will be uninterrupted or entirely error free. Because of the nature of the internet, the site is provided on an "as available" basis. Compare-Health-Plans will not be responsible to you if we are unable to provide the site for any reason beyond our control.

Similarly, though we strive to place online security at the highest priority, we can not guarantee that our site will be secure or free from bugs or viruses. You should use your own virus protection software to secure your computer against online threats.

3. Content and advertisements

This site also provides links to and content from other internet sites and resources. Because Compare-Health-Plans has no control over these sites and resources, you acknowledge and agree that we are not responsible for the availability of these external sites or resources, do not endorse and are not responsible for any content, advertising products, services or other materials on or available from these sites or resources. External links are provided for your information only. You may not create a link to this website from another website or document without Compare-Health-Plans’s prior written consent.

4. Data protection and privacy

Any details which you provide to us from which we can identify you are held and processed in accordance with our Privacy Policy.

In the Privacy Policy you will find:

  • The information we collect
  • Why we collect it
  • How we store and process it
  • How you can manage your data rights

5. Changes to the terms

Compare-Health-Plans may change the site or these terms at any time. If you use the site after Compare-Health-Plans has changed the terms you will be bound by the new terms.

6. Governing law and jurisdiction

These terms and your use of this site are governed by and construed in accordance with the laws of England and Wales and any disputes will be decided only by the Courts of England and Wales.

7. Offers

*Health insurance from £14.64 per month. *12.77% of our customers can obtain cover at a cost of £14.64 per month (£3.38 per week). This is based on someone living outside of Central London, who is 31 years of age at commencement, and taking out an "Essentials" plan with a nil excess and WPA’s current promotion. The plan covers all eligible in and day-patient treatment. Diagnosis of ailments would need to be arranged by the NHS or self-funded. Other exclusions apply and other plans are available. Analysis based on customer data for 2018.

Price Match Guarantee. Our partner can reserve the right to withhold and/or refuse payment where suspected that any false or fraudulent claim is being made. The price match can only be used on a like for like product and the policy details must be exact and excluding any commission sacrifice. The price match is only available against products in our partners portfolio. Proof will be required of the product price in the form of competitor's written quotation or the advertisement by the competitor. They may call the competitor to verify the lower price. All offers by competitors must be available upon date of purchase. This may not be used in conjunction with any other offer. This offer is only applicable to the first year premium. This Guarantee is only valid for 30 days following the policy enrolment date. This Guarantee only covers payments made by the policy holder.

Up to 50% off is available to customers who have not held an Aviva policy for at least 12 months. This discount is based on someone choosing an Aviva NCD 12 policy including 2 months free, with a 6 week option using Aviva’s Trust hospital list.

8. Insurers

Current private medical insurers’ quotes compared include:

Aviva, Vitality, Bupa, Axa, WPA, The Exeter, Health-On-Line and Freedom


Access to private medical treatment in over 250 private hospitals across the UK. Aviva’s MyHealthCounts programme supports you in maintaining a healthy lifestyle, and can save you up to 15% on renewal premiums. On family policies, you could save more: by covering your eldest child (under the age of 20) all younger children on the policy will be covered for free.


A Bupa policy is tailored to meet your requirements. Bupa allow you to customise the level of cancer cover, out-patient limits, excess and even the hospitals you have access to.

Axa Health Care

Gain access to over 250 hospitals within the AXA PPP Healthcare network across the UK. Telephone-based advice is also available with Health at Hand, AXA’s 24-hour health information line. Get one-to-one advice and support for cancer patients and their families. There’s also the option to visit a Private GP instead of your regular GP.

VitalityHealth Insurance

VitalityHealth provides access to some of the best specialists and hospitals in the UK. Their rewards programme incentivises customers to lead a healthy lifestyle, with discounts from their selected partners, including Virgin Active, Cineworld and Eurostar.

WPA Health Insurance

WPA offers flexible levels of cover and discounts to those who are self-employed or non-smokers. Competitive in price, plans start from under £10 per month and each plan has its own key benefits.

The Exeter Health Insurance

The Exeter considers all clients as members rather than customers. Offers a discount based on smoker status and BMI, and free policies to children under 5. Other benefits include a GP Helpline and a private prescription service.

Health-On-Line Insurance

Tailor your health insurance without paying for cover you don’t need. Most policies offer full cover for scan and diagnostics. All Health-on-Line products are backed up by AXA PPP healthcare, one of the UK’s leading private health insurers.

Healthnet Insurance

With a comprehensive core cover, a selection of additional benefits offering a choice of limits, two hospital bands and a range of excess options, Freedom offers the opportunity for a tailor-made policy to suit all needs and financial budgets.

Contact us

If you have any questions or concerns about these terms and conditions, please email enquiries@compare-health-plans.co.uk or call us on to speak to a member of our team.