MyTribe Insurance Experts

MyTribe Insurance Experts Your trusted source of private health insurance and healthcare insights in the UK. Looking for health, life or income protection insurance?

We share unbiased information and tips to help you make informed decisions about your healthcare and finances. myTribe Insurance Experts helps you navigate the world of private health insurance and healthcare in the UK. As industry professionals, we make it our mission to give straightforward, independent insights that help you make confident decisions about your health and finances. Through our w

ebsite, you can request a personalised comparison quote. We'll connect you with a carefully selected, regulated insurance broker who'll provide expert financial advice and find the right cover for your needs.

myTribe’s Senior Editor, Richard Eagling, looks at Freedom Health Insurance’s new digital health toolkit which has been ...
07/10/2025

myTribe’s Senior Editor, Richard Eagling, looks at Freedom Health Insurance’s new digital health toolkit which has been rolled out on all of its new policies. Group schemes will receive full access to all the features provided by Freedom 360, while individual health insurance customers will get everything except the new emotional wellbeing service.

The new platform includes:
▫️24/7 digital GP services
▫️Skin checks via Skin Analytics
▫️Cancer nurse support through Reframe Cancer
▫️Emotional welling being support, CBT and life coaching
▫️Lifestyle and wellness discounts

Behind closed doors, over 1 million young people in the UK are quietly caring for loved ones, often without rest, recogn...
05/09/2025

Behind closed doors, over 1 million young people in the UK are quietly caring for loved ones, often without rest, recognition or support.

MYTIME Young Carers is working hard to change that. From providing vital breaks and skill-building opportunities to raising awareness in schools and communities, their work is making a real, lasting difference in young carers’ lives.

That’s why everyone at myTribe Insurance Experts is incredibly proud to support MYTIME. As parents ourselves, this cause resonates deeply with our team, and we’re honoured to give something back to show these young carers just how valued they truly are.

The AXA Health Plan takes a novel approach to private health insurance by not offering any “core” cover. Instead you can...
03/09/2025

The AXA Health Plan takes a novel approach to private health insurance by not offering any “core” cover. Instead you can build a policy from scratch, choosing cover to suit you.

It offers flexibility, but currently no option for full medical underwriting. Although the short three-year moratorium period is a plus.

The AXA Health Plan breaks with convention by excluding all previous cancers, no matter how long they may have been in remission. It also makes mental health cover unavailable to anyone who has seen a psychiatrist in the last five years.

Are health insurance no claims discounts the carrot or the stick? 🤔 Our latest article breaks down in detail how claims ...
01/09/2025

Are health insurance no claims discounts the carrot or the stick? 🤔

Our latest article breaks down in detail how claims can affect future health insurance premiums, with a particular focus on the minefield that is no claims discounts (NCDs).

With affordability being one of the biggest barriers to private health insurance, and often a reason people reduce their cover levels as they get older, this is an area we feel deserves real attention.

And unfortunately, we are not exaggerating when we call it a minefield. Among the six insurers that currently offer an NCD, the only thing they have in common is that they offer one. Everything else, from starting levels and discount percentages to the rules for how different claims affect your discount, varies widely.

In this article, you will learn:

• How health insurance NCDs differ from car insurance NCDs
• Why your base premium matters (and how to calculate it)
• The rules each insurer applies, with side by side comparisons
• Which insurers are more lenient, and one that takes a very different approach
• The insurers that use alternative models to price renewals

P.S. We are aware WPA Health Insurance Health Insurance is due to update its NCD in November 2025, and we will revise the article once that change is live. We are also awaiting details from AXA Health on its NCD for The Axa Health Plan, which is currently only available direct.

Our latest news reports on how WPA is enhancing its Complete Health policy with a series of changes that will make apply...
29/08/2025

Our latest news reports on how WPA is enhancing its Complete Health policy with a series of changes that will make applying easier and its no claims discount (NCD) more generous for low-claiming customers.

The changes will be introduced between August and November 2025, and look like strengthening what is an already highly-rated health insurance product.

Key improvements include:
▫️Fewer disclosure questions during underwriting
▫️New medical underwriting questions for customers switching from other insurers
▫️A NCD system which will no longer penalise small claims up to £250
▫️A new 15th tier on the NCD ladder, providing a 73% discount on premiums

If you're 50 or over, Saga Health Insurance could be just what the doctor ordered. Designed specifically for the over-50...
28/08/2025

If you're 50 or over, Saga Health Insurance could be just what the doctor ordered. Designed specifically for the over-50s, Saga’s private health insurance provides strong core benefits, including mental health cover, comprehensive cancer care and more.

One of its biggest attractions is the shorter three-year moratorium period, which can mean fewer exclusions. In some cases, Saga even allows cover for pre-existing hypertension.

If you’re considering Saga and want a clear view of its strengths and weaknesses, as well as how it compares with other providers, take a look at our latest guide.

Women’s health checks can help spot serious conditions early and give you the knowledge to take charge of your wellbeing...
26/08/2025

Women’s health checks can help spot serious conditions early and give you the knowledge to take charge of your wellbeing. Whether you’re in your 20s or your 70s, it’s never too early, or too late, to put your health first.

In our latest comprehensive guide, we explain what women’s health checks involve, the key screenings to consider at different stages of life, which are offered by the NHS and private providers, and how to book your own assessment.

New Bupa health insurance customers can now get a free mini health check to help detect potential health risks early, if...
14/08/2025

New Bupa health insurance customers can now get a free mini health check to help detect potential health risks early, if they join before 30 September 2025.

The special offer is available to those who take out a Bupa By You policy either directly or through a broker, or who switch to Bupa from another insurer. The free mini health check provides a general overview of your internal health and can highlight potential risks such as diabetes or cardiovascular conditions before symptoms appear.

Bupa’s move reflects a greater focus among some health insurers in recent years on preventative health rather than just treatment.

Many people aren’t aware that a life insurance payout could be taxed. While it’s true that life insurance payouts are us...
07/08/2025

Many people aren’t aware that a life insurance payout could be taxed. While it’s true that life insurance payouts are usually free from income and capital gains tax, they can still be subject to inheritance tax, depending on the total value of your estate.

The good news is that you can protect it from inheritance tax by putting your life policy into a trust. In our latest article, we break down how life insurance is treated from a tax perspective so you'll find out when tax applies and how you can use a trust to avoid it.

It’s essential reading if you want to ensure your loved ones don’t lose part of their financial lifeline to the taxman.

Working out how much life insurance you need to protect your family’s future is one of the most important financial deci...
25/07/2025

Working out how much life insurance you need to protect your family’s future is one of the most important financial decisions you can make. But knowing where to start isn’t always easy.
The right amount of life cover will be different for everyone. There’s no one-size-fits-all decision, and guessing could leave your loved ones financially short, or see you paying for more cover than you need.
From mortgage payments to future education costs, our latest guide takes you through what to include in your life insurance calculations so you can make a decision that fits your situation.
Read our full guide here: www.mytribeinsurance.co.uk/life-insurance/how-much-life-insurance-do-i-need

Accessing proper mental health support is essential, and seeing a psychiatrist can be a key part of that journey. Whethe...
18/07/2025

Accessing proper mental health support is essential, and seeing a psychiatrist can be a key part of that journey. Whether you're facing ongoing symptoms or have been recently diagnosed, understanding your treatment options can make all the difference.
Our latest guide explains how psychiatric care works in the UK, including how to get a referral through the NHS, what your private options are and what to expect during your first appointment.
We also outline the advantages and limitations of both NHS and private treatment and provide tips on how to find a qualified psychiatrist that suits your needs.
Read our full guide here: www.mytribeinsurance.co.uk/treatment/finding-psychiatrist-in-uk

Many people are unaware of how debt is handled after death. But with UK household debt averaging £66,910, it’s vital to ...
16/07/2025

Many people are unaware of how debt is handled after death. But with UK household debt averaging £66,910, it’s vital to understand how it could impact your family.
When someone dies, their debt doesn’t simply disappear, nor does it automatically transfer to family members. The way it is dealt with depends on whether the debt is individual or joint. Our latest article explains how different types of debt are handled after death. It also outlines how life insurance can protect your loved ones and help you plan.
Read our full guide here: www.mytribeinsurance.co.uk/life-insurance/understand-debt-after-death

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About myTribe Insurance

Having worked in and around Private Medical Insurance for a number of years, we saw first hand how complicated and time consuming the process of finding a policy was. We started myTribe Insurance with the sole intention of simplifying the process and while initially were focusing on providing amazing customer service, as time progresses we intend to develop new technologies to drastically improve customer experience. To follow our journey please like our page or visit our website at https://www.mytribeinsurance.co.uk