About Us

More people are turning to Private Health insurance than ever. Around 6 million people enjoy the peace of mind that access to private medical help brings. However many of those people are paying too much for their policies. At Totally Money we compare the UK health insurance market find the lowest prices available. All too often people buy health insurance by going direct to a single provider. This almost certainly means that you’ll be paying more than you would do if you were able to search the UK market and compare policies. Our focus is on delivering you a health insurance comparison that gives you the most competitive quote possible and a policy that delivers all the benefits, features and quality you require. We spend all our time developing ways of doing this quickly, simply and with integrity.

Our Service

Fill in our 1 minute short application form. We will identify a broker from our network who will be able to compare the whole market for the cheapest health insurance deal based on your specific requirements.

We’ll assign an individual expert to your case to compare and research the market. They may contact your by either by email or over the phone if they require further information.

Your individual account manager will call you within 24 hours to confirm your requirements and discuss your quotes

Top Tips

Brokers cut out the leg work, are the best way to get a quick and accurate comparison of the market. There’s simply no other way of getting a whole of market view unless you call up each individual provider yourself. Brokers should be able to get the best deal for you, and if you ask, many will reduce their commission to give you a bigger discount. A broker can be particularly helpful if you have any pre-existing conditions you would like to eventually be considered in the policy.

Be careful who you compare with. Any online price comparison site that give you an instant results table will not be accurate. Sites like TotallyMoney that locate and refer you to brokers are really the only means of receiving a completely accurate whole of market quote. Yes it takes a few seconds longer, but you can be sure of a quality result.

Go for the highest excess you can afford. If you can cover the first £5,000 of any claim, for example, then you will have cut your premiums to a minimum. It would mean that for many minor operations, you would face paying for the whole treatment yourself.

Get a joint or family policy. If you need to cover your entire family, then there are policies to cover you all for a single premium.

Consider paying annually rather than monthly – If you can afford it, paying your full annual premium in one go can get you a discount on the cost. Your broker should be able to help suggest the companies that will be most effective for this strategy.

Get a policy that covers where the NHS fails – Some policies will offer cover to dovetail where the NHS is unable to deal with a condition within a period of time, usually six weeks. These can be cheaper, but be sure you are prepared to wait if you are need medical help.

Check whether your employer offers cover. If your employer offers cover as part of your employment package, take it. It will usually be cheaper, and usually has 'moratorium underwriting' so you do not need to declare any pre-existing conditions because the insurer expects to 'win some, lose some' across the whole company's cover. Check that this is the case though with your company’s human resources department.

Also, check your tax position, as it could be considered a ‘benefit in kind’.
 

Why Us

Types of Cover

Typically there are three different types of cover. You will be able to tailor your requirements but as a guide you should expect to be able to choose from the following plan types:

Budget Plans:

Right for you if you:
Want the policy to pay only for the most expensive treatments such as operations.
Can afford to pay for your own outpatient tests and consultants fees.

Usually includes:
Inpatient treatment covered in full.
Inpatient diagnostic tests and consultants fees.
Inpatient radiotherapy and chemotherapy covered.

Usually does not include:
Outpatient treatments, Diagnostic tests, Consultants fees.

Mid Range Plans:

Right for you if you want cover for:
Full inpatient treatment such as operations are covered as well as limited range of outpatient treatments.

Usually Includes:
In patient treatment covered in full.
Limited specialist consultations and diagnostic procedures such as radiology computerised tomography, MRI Scans, radiotherapy and chemotherapy.
Limited therapeutic treatments such as Osteopathy, Chiropody, Physiotherapy, Homeopathy and Acupuncture

Usually does not include:
Unlimited outpatient consultations and treatments. (typically these are capped on an annual basis at anything between £500 and £2000)

Comprehensive plans:

Right for you if you want:
Complete peace of mind from a Gold Standard healthcare package.

Usually includes:
Full inpatient cover
Unlimited outpatient cover
A host of additional options such as CT and MRI scans, Psychiatric cover, travel cover, dental cover, home nursing costs, chiropody, recuperative care and incidental hospital expenses.
Complete peace of mind

Usually does not include:
The kitchen sink.