Switch Health

What Switch Health does

Switch Health is a UK-based independent insurance brokerage founded in 2015 and headquartered in Cheltenham, with a registered office in High Wycombe. The company operates as an FCA-authorised (number 627760) advisory broker specialising in private medical insurance (PMI), distributing policies from a whole-of-market panel of UK insurers including BUPA, AXA Health, Aviva, Vitality, Saga, WPA, The Exeter, Freedom Health, National Friendly, Cigna, General & Medical, and Morgan Price. Its product portfolio spans individual PMI, corporate/business health insurance, life insurance, international private medical insurance (IPMI), Channel Islands-specific cover, over-50s plans, and a switching service that preserves pre-existing condition coverage.

The business model is commission-based: the advisory service is provided free to consumers, with revenue generated through broker commissions paid by insurers on policy placement and renewal. Distribution is primarily phone-based inside sales supported by a web enquiry funnel, plus a corporate/B2B channel targeting UK employers of all sizes. Marketing leans on content, social media, Trustpilot reputation (No.1 health insurance broker), and industry recognition (2024 Cover Excellence 'Employee Benefits Intermediary of the Year').

Switch Health serves a horizontally segmented customer base spanning individuals, families, self-employed professionals, retirees transitioning from company schemes, Channel Islands residents, and corporate clients. Strategic partnerships — including with Partners& (2025) and GHS Clinics — extend reach via referral and joint proposition development. The company operates with a small team (11–50 employees) and has no proprietary technology platform; technology footprint is limited to standard web analytics tooling, with no disclosed AI/ML capabilities.

Name

Switch Health

Legal name

Switch Health

Website

https://switchhealth.co.uk

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Switch Health is a UK FCA-authorised independent insurance broker specialising in private medical, corporate health, life, and international health insurance, advising individuals, families, and businesses across a whole-of-market insurer panel on a commission basis.

Ownership category

akta.pro rank

Product category

Health Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB)

akta.pro secondary industries

International/Expatriate Individual Health Insurance (FSAIAEAH), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Private medical insurance
• Health insurance brokerage
• Insurance advisory services
• Corporate health insurance
• Life insurance comparison

Headquarters

HQ city

Gloucester

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Broker commissions from insurers: Switch Health operates as an independent advisory broker providing comparison services for private medical insurance. The service is free for customers - the company earns commissions from insurance providers when policies are placed or renewed.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Switch Health is an FCA-authorised independent advisory broker that compares and places private medical insurance (PMI), corporate health insurance, and life insurance policies from multiple UK insurers. The firm provides free, no-obligation whole-of-market advice to individuals, families, self-employed workers, and UK employers, with dedicated advisers, annual renewal reviews, and ongoing premium negotiation on behalf of clients.

Product overview

Switch Health operates as an independent health insurance broker offering a portfolio of insurance products. Their core offering is a private medical insurance (PMI) brokerage service that compares policies across multiple providers including BUPA, AXA PPP, Aviva, Vitality, Saga, and others. The company provides tailored advisory services for individual health insurance, corporate/company insurance, life insurance, international medical insurance, and specialized coverage for Channel Islands residents and those over 50. They also offer a switching service to help clients change insurers while maintaining pre-existing condition coverage. All services include free, independent, no-obligation advice with annual market reviews.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Health Insurance (Individual PMI) Private medical insurance (PMI) brokerage service that compares health insurance policies from multiple UK providers (BUPA, AXA Health, Aviva, Vitality, Saga, WPA, The Exeter, Freedom Health, National Friendly, Cigna, General & Medical, Morgan Price) and provides free independent advice to individuals and families seeking tailored coverage.
• Company Insurance / Corporate Health Insurance Corporate health insurance and employee benefits advisory service for UK employers, providing tailored private medical insurance solutions for staff, faster access to treatment, and group policy negotiation.
• Life Insurance Life insurance comparison and advisory service that searches leading UK providers to help individuals find cover protecting their dependants.
• International Medical Insurance International Private Medical Insurance (IPMI) designed for expats and individuals spending significant time overseas, providing access to healthcare facilities worldwide without geographical restrictions.
• Channel Islands Health Insurance Specialized health insurance policies for residents of Jersey and Guernsey, including island-specific plans with return trips to mainland UK for treatment and GP fee coverage.
• Over 50s Health Insurance Health insurance advisory service for individuals over 50, working with specialist providers such as Saga and across the entire UK market to find affordable coverage options for retirees leaving company schemes.
• Switching Insurers Service Dedicated switching service that helps clients move from existing health insurance providers while preserving pre-existing condition coverage and finding like-for-like or improved cover at competitive prices.
• Health Insurance Advisory and Quote Service Free advisory service providing bespoke health insurance quotes tailored to individual needs, with annual market reviews and dedicated renewal advisors negotiating competitive renewal premiums.

Quantifiable outcome

• Save clients up to 60% on health insurance premiums with 2 months free in many cases
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered minor and core.

• Broadway LodgeminorOthers · 1 January 2025Charity partnership with Broadway Lodge, a addiction recovery charity that has helped transform thousands of lives. Switch Health is conducting a 2025 Charity Challenge including 24-hour cycling events, half marathons, and triathlon to raise £10,000. Team has raised over £1,860 plus Gift Aid.
• GHS ClinicscoreStrategic or Co-development PartnerPartnership with GHS Clinics, a provider of brain, gut and all-round health solutions, health assessments, private advice and future planning. GHS Clinics leads the way in providing comprehensive health solutions.
• Partners&coreStrategic or Co-development PartnerPartners& joined forces with Switch Health to capture expected growth in the individual private medical insurance market and improve its proposition for customers. This partnership aims to strengthen market position and expand capabilities.
• BUPAcoreChannel Partner/ Reseller/ DistributorMajor UK health insurer with agency relationship. Switch Health can negotiate premiums and offer exclusive deals on BUPA policies.
• AvivacoreChannel Partner/ Reseller/ DistributorMajor UK health insurer including Aviva Health. Switch Health has agency relationship to negotiate premiums and offer exclusive deals.
• AXA PPP (now AXA Health)coreChannel Partner/ Reseller/ DistributorMajor UK health insurer rebranded to AXA Health. Switch Health offers AXA Personal Health Core Cover and other AXA policies with negotiated premiums.
• VitalitycoreChannel Partner/ Reseller/ DistributorUK health insurer offering Vitality Health plans. Switch Health has agency to offer Vitality policies with negotiated rates.
• SagacoreChannel Partner/ Reseller/ DistributorHealth insurance provider specializing in over 50s coverage. Switch Health offers Saga HealthPlan options including Super, Secure, Saver Plus and Support.
• WPAcoreChannel Partner/ Reseller/ DistributorUK health insurer in Switch Health's panel for negotiating premiums on behalf of clients.
• The ExetercoreChannel Partner/ Reseller/ DistributorUK health insurer offering no claims discount plans. Switch Health has agency to offer policies.
• Health On LinecoreChannel Partner/ Reseller/ DistributorUK health insurer now under AXA Health brand. Switch Health offers policies through this provider.
• AXA HealthcoreChannel Partner/ Reseller/ DistributorUnified AXA brand including former Health-on-Line. Switch Health offers AXA Health policies.
• Freedom HealthcoreChannel Partner/ Reseller/ DistributorUK health insurer in Switch Health's panel for offering policies to clients.
• National FriendlycoreChannel Partner/ Reseller/ DistributorUK health insurer in Switch Health's panel.
• CignacoreChannel Partner/ Reseller/ DistributorInternational health insurer offering global coverage options through Switch Health.
• General & MedicalcoreChannel Partner/ Reseller/ DistributorUK health insurer in Switch Health's panel.
• Morgan PricecoreChannel Partner/ Reseller/ DistributorUK health insurer in Switch Health's panel for offering policies.
• CS Healthcare (now BUPA)coreChannel Partner/ Reseller/ DistributorHealth insurer acquired by BUPA, previously in Switch Health's panel.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Usay Compare: UK specialist health insurance comparison and advisory service targeting individuals and small businesses, now part of PIB Group but historically a direct competitor in the specialist PMI advisory niche.
• ActiveQuote: UK specialist private medical insurance broker operating a panel-based advisory model similar to Switch Health, comparing policies from the same major insurers for individual and corporate clients.
• Drewberry Insurance: UK independent insurance broker with strong health and protection lines, providing whole-of-market comparison and advisory services for individuals and corporate clients in direct competition with Switch Health.
• Premier Choice Healthcare: UK specialist health insurance intermediary focused on private medical and dental cover for individuals and businesses, competing head-to-head with Switch Health in the PMI advisory market.
• WPA Healthcare: UK not-for-profit health insurer and broker partner in Switch Health's carrier panel, providing direct PMI products as well as intermediary channels that overlap with Switch Health's target customer segments.
• Best Price Financial Services: UK specialist broker focused on private medical insurance, offering free whole-of-market advisory and comparison similar to Switch Health's core proposition.

Broad incumbents

• Howden UK: Large UK insurance broker with employee benefits and health insurance capabilities serving mid-market and corporate clients, representing a scaled incumbent competing for the same employer-sponsored PMI opportunities Switch Health pursues.
• Aon UK (Employee Benefits): Global insurance and reinsurance brokerage with a substantial UK employee benefits practice serving large corporate clients, providing group PMI and broader benefits advisory as a much larger incumbent to Switch Health's corporate segment.
• PIB Group: UK-focused insurance intermediary consolidator owning Usay Compare and other specialist health and protection brokers, representing a scaled platform peer that competes through acquisition-led roll-up rather than organic advisory growth.
• Marsh UK (Employee Benefits): Global insurance broker with significant UK employee benefits practice, advising large employers on group PMI and broader benefits strategy as a scaled incumbent adjacent to Switch Health's corporate business.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/switch_health
• Facebookfacebook.com/switchhealth.co.uk
• LinkedInlinkedin.com/company/switch-health

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Switch Health