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Our high customer retention reflects the confidence customers place in Tessa Alliance for clear guidance, careful policy reviews and ongoing support as their private health insurance needs change.
A lower monthly premium can look attractive, but the right policy should also match your healthcare needs, medical history, preferred hospitals and expectations around diagnosis and treatment.
| Area we review | Why it matters | How Tessa Alliance helps |
|---|---|---|
| Cover level | Basic, mid-level and comprehensive policies can include very different benefits. | We explain what is included and what may be limited or excluded. |
| Outpatient cover | Specialist consultations and diagnostic tests can be important before treatment starts. | We help you understand whether outpatient cover is full, limited or excluded. |
| Hospital access | Hospital lists and guided networks can affect choice, convenience and price. | We compare hospital access before you decide which policy feels suitable. |
| Underwriting | Pre-existing conditions and medical history can affect exclusions and available options. | We explain underwriting routes in plain English so you understand how cover may work. |
| Cancer cover | Cancer benefits and treatment pathways can vary between insurers and cover levels. | We highlight important differences so you can compare more than the monthly premium. |
| Premium and excess | A higher excess can reduce monthly cost, but it increases what you may pay when claiming. | We compare affordability with practical claim considerations. |
These are some of the questions customers often ask before comparing private health insurance.
Yes. Requesting a quote through Tessa Alliance is free and there is no obligation to proceed.
We use your details to understand your requirements and compare suitable options. An adviser will explain the key differences clearly so you can decide whether any policy is right for you.
Going directly to one insurer usually shows one set of options. Tessa Alliance can compare suitable options from leading UK insurers and explain differences in cover, hospital access, underwriting, claims support and value.
Yes. If you already have cover, we can help review your current policy and compare suitable alternatives. If your existing policy still appears to be the right fit, we will tell you.
No. Private health insurance works alongside the NHS. It is not designed to replace NHS emergency care, but it can provide an additional route to eligible private diagnosis and treatment.
You may still be able to arrange cover, but pre-existing conditions may be excluded depending on the insurer and underwriting method. It is important to discuss medical history before choosing a policy.
