Cost of Private Health Insurance in the UK
How much does private health insurance cost in the UK?
The cost of private health insurance in the UK typically ranges between £30 and £150 per month per person depending on age, health, and level of cover in 2026.
Quick Answer
| Cover Type | Monthly Cost |
|---|---|
| Basic cover | £30 – £60 |
| Mid-range cover | £60 – £100 |
| Comprehensive cover | £100 – £200+ |
What Affects the Cost?
Private health insurance costs depend on:
- age
- medical history
- level of cover
- excess (higher excess = lower premium)
- locatio
Typical Annual Cost
| Cover Level | Annual Cost |
|---|---|
| Basic | £360 – £700 |
| Mid-range | £700 – £1,200 |
| Comprehensive | £1,200 – £2,500+ |
What Does Private Health Insurance Cover?
Most policies include:
- consultations and diagnostics
- private hospital treatment
- surgery
- specialist referrals
Some plans also include mental health support and outpatient care.
Additional Costs to Consider
| Extra | Cost |
|---|---|
| Excess payments | £50 – £500 |
| Add-ons (dental, optical) | £5 – £20/month |
| Family cover upgrades | varies |
Is Private Health Insurance Worth It?
It can be worth it if you:
- want faster treatment
- prefer private facilities
- want more choice of specialists
However, it may not be necessary for everyone.
Ways to Save Money
- choose a higher excess
- limit outpatient cover
- compare providers
- review your policy annually
Frequently Asked Questions
How much is private health insurance per month UK?
Most policies cost between £30 and £150 per month depending on cover level.
Is private health insurance worth it in the UK?
It can be worth it for faster access to treatment and private care.
Does private health insurance cover everything?
No, most policies have exclusions and limits.
Final Thoughts
The cost of private health insurance in the UK typically ranges from £30 to £150 per month, depending on the level of cover and personal circumstances.