Review: Universal Provident Health Insurance

David Woodfield By David Woodfield

In Summary

Universal Provident offer a single Health Insurance product with multiple modules to choose from. They describe flexibility as an important feature, allowing you to choose the cover you want.

You can get a quote and compare Universal Provident's prices and policies in depth versus others on the market using

Background to Universal Provident health insurance

Founded in 1994, Universal Provident is part of Personal Group – a leading provider of insurance and benefits. Their core business principle is to make a positive difference, by listening to customers’ needs and developing their cover accordingly.

In addition to private medical insurance, Universal Provident also offers income protection, mortgage payment protection, dental cover and travel cover.

Overview of the cover provided by Universal Provident health policies

Universal Provident’s private medical insurance is called ‘Choices’, because essentially it allows customers to tailor cover to your own requirements and budget.

For example, those on a limited budget can select the in-patient only module, which includes cover for MRI, CT and PET scans.

It also has a 90-day wait scheme, whereby policyholders can hold fire on seeking treatment for routine procedures and conditions for 90 days, and then receive private medical care at a lesser cost than seeking treatment straight away.

The health cover works by letting customers ‘knit together’ modules of insurance that you would like included in your policy. These modules include:

  • Hospital charges
  • Out-patient specialist fees
  • Oncology, radiotherapy and chemotherapy
  • Nursing at home
  • Psychiatric treatment

It is worth stating up front that the number of modules selected will impact the cost of your premium. However, it may give you greater long-term compensation and peace of mind to select slightly more expensive, but more comprehensive, cover.

There may be exclusions from all levels of Universal Provident cover, depending on your current health status and any pre-existing medical conditions.

You can get a quote and compare Universal Provident's prices and policies in depth versus others on the market using

How much does health insurance from Universal Provident cost?

As Choices is a customisable private medical insurance policy, there is no set price for cover. It will go up the more modules you select; however, as mentioned previously, this could be worth it if you end up making a claim.

It should also be noted that your personal circumstances will impact the price of your premium, as will factors such as your age and previous medical history.

In order to make sure its policies are affordable, Universal Provident offers customers the opportunity to set your own excess. The higher the excess, the cheaper the policy – but remember you’ll have to pay the excess in the event of a claim, so make sure you set it at an affordable level.

You can get a quote and compare Universal Provident's prices and policies in depth versus others on the market using

What Universal Provident health insurance customers say

Customer reviews for Universal Provident are scarce. does list a 5-star rating but this is based on only one customer review so may not be a fair representation of all experiences.

What the expert reviews say

Defaqto, an independent company that rates financial products on a scale of one to five stars has given Universal Provident’s Choices A1 and A2 modules 2 out of 5 stars. This means they are “A product typically offering a below average range of features and benefits.”

This article was independently written by Bought By Many. We were not paid to write it, but we may receive commission for sales that result from you clicking on a link to one of our partners.

Get a quote and compare Universal Provident's prices and policies in depth versus others on the market using They also offer telephone-based, FCA-regulated advisors who can help you find the right product for your needs.

Related Offers

More like this:

Best Health Insurance 2017

We've combined the latest independent ratings and reviews to create a list of the best UK health ...

  • by David Woodfield

Review: Bupa Health Insurance

Key policy features Bupa owns a large number of private hospitals and clinics It offers two cor...

  • by David Woodfield

Review: Saga Health Insurance

Key policy features Saga offers private medical insurance and cash plans aimed at over 50s Offe...

  • by David Woodfield

Review: WPA Health Insurance

Key policy features WPA offers a multi-family policy, which can protect extended families across...

  • by David Woodfield