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Private Health Insurance Cost Calculator

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What is Private Health Insurance?

Private Health Insurance provides you with access to fast, high-quality medical treatment in private facilities when you need it the most.

  • Avoid potentially lengthy NHS waiting lists
  • More amenities than would be available in the typical NHS hospital
  • Private, ensuite rooms and round-the-clock visiting hours
  • Access to the latest drugs and treatments, even those not yet routinely available on the NHS

Comparing Private Medical Insurance

Any comparison of Private Medical Insurance is tricky. As you are not always comparing apples with apples you can’t just compare policies based on price. You also need to look at the cover you’re being offered for the amount you pay each month.

Each provider will offer a different level of cover as standard. You’ll also find a different array of optional extras you can add to your policy to increase the breadth of your coverage.

Some insurers even offer policies with different ‘tiers’ or ‘levels’ of cover (e.g. basic, mid-range and comprehensive packages).

How Much is Private Health Insurance?

Calculating the cost of Private Medical Insurance depends on a number of factors, including:

  • Your age
    The older we are, the more likely we are to need medical treatment.
  • Your location
    Living in areas with more expensive hospitals increases your premiums.
  • Your medical/claims history
    If you have made a claim on Health Insurance in the past, you’ll likely face higher premiums.
  • Your smoker status
    Due to the negative health effects of tobacco, smokers are charged higher PMI rates than non-smokers.

While you can’t control the above factors, what is in your control are the options you choose to include in your Medical Insurance policy. For instance, you can adjust:

  • Your level of cover
    The most basic Health Insurance will only cover inpatient treatment, this is any treatment where a hospital bed is required. Adding outpatient treatment, either partially- or fully-funded, will increase the cost of cover.
  • Outpatient Cover
    Covering you for treatments, diagnostics and consultations where a hospital bed is not needed, the outpatient limit you opt for has a significant impact on the premium. To manage the cost you can set a ceiling on the amount the insurer will pay for treatment each year.
  • Your excess
    Just like with car insurance, your excess is the amount you pay out of your own pocket towards a claim. The higher the excess, the lower your premiums.
  • Hospital access
    Many insurers include ‘tiers’ of hospitals which you are eligible to receive treatment in. Accessing the best facilities, e.g. those in Central London will end up adding to the overall cost of your policy.
  • Optional extras
    Psychiatric, dental and optical cover are all popular additional benefits that are frequently added to increase the depth of coverage.
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Calculate The Cost Of Private Health Insurance

When it comes to working out how much Private Health Insurance will cost, there are so many different options to factor into the calculation there is no one size fits all.

To work out the average cost of Health Insurance, we’ve researched all the major providers in the UK market in mid-December 2018 and assumed:

  • All the individuals are in good health
  • They’re non-smokers
  • They’re looking for a mid-range policy with a mid-range hospital list
  • They’re willing to pay a £100 excess
  • They’ll be underwritten on a moratorium basis
  • They don’t want any additional extras on their policy
  • They’re based in the same postcode as our Brighton office.

Examples of the Cost of Health Insurance

With these assumptions we have calculated pricing of a Mid-Range Health Insurance policy for different age groups as well as for individuals, couples and families.

Cost of Health Insurance for Single Individuals

25 Year Old
50 Year Old
£63 per month
£113 per month

Cost of Private Health Insurance for Couples

30 Year Old Couple
£125 per month

Cost of Private Medical Insurance for Families

Family with 35 Year Old Parents
13 and 11 year old children
£200 per month

5 Best UK Private Health Insurance Providers

Aviva

Aviva

Aviva is the largest insurer in the UK. Aviva’s PMI offering is their Healthier Solutions product, which you can tailor to your own budget.

  • Underwriting
    Full Medical Underwriting / Moratorium / Continued Personal Medical Exclusions
  • Excess
    £100 / £200 / £500 / £1,000 / £3,000 / £5,000 per year
  • Core Cover
    Inpatient and day-patient / cancer cover
  • Outpatient Cover
    £0 / Reduced (limited to £500 or £1,000) / Full outpatient cover
AXA PPP Healthcare

AXA PPP Healthcare

Based in Tunbridge Wells, AXA PPP Healthcare has helped people to access healthcare services since 1940.

  • Underwriting
    Full Medical Underwriting / Moratorium
  • Excess
    £100 / £250 / £500 / £1,000 / £2,500 / £5,000
  • Core Cover
    Inpatient and day-patient / radio/chemotherapy** / Optional mental health cover
  • Outpatient Cover
    Standard or Full
Bupa

Bupa

Established over 60 years ago, Bupa is a UK household name. Bupa Health Insurance has two tiers of over: Comprehensive (full inpatient and outpatient care) and Treatment & Care (inpatient-only). Both options include mental health cover as standard.

  • Underwriting
    Full Medical Underwriting / Moratorium
  • Excess
    £0-£500
  • Core Cover
    Inpatient and day-patient / radio/chemotherapy / Mental health cover
  • Outpatient Cover
    Paid in full or with optional limits of £500 / £750 / £1,000
The Exeter

The Exeter

Founded in 1927, Exeter Family Friendly is a mutual Friendly Society with over 60,000 members. The Exeter’s Health Insurance policy is known as The Exeter Health+, which includes mental health cover as standard.

  • Underwriting
    Full Medical Underwriting / Fixed moratorium / Rolling moratorium / Continued personal medical exclusions
  • Excess
    £0 / £100 / £250 / £500 / £1,000 / £3,000 / £5,000
  • Core Cover
    Inpatient and day-patient / cancer cover
  • Outpatient Cover
    Paid in full or with optional limits of £500 / £1,000
VitalityHealth

Vitality

Vitality (formerly PruHealth) launched in October 2004 as a joint venture between Prudential and South African health insurance provider Discovery. Vitality has an innovative approach to health insurance in their Vitality plan, rewarding you with points and reduced premiums for healthy living.

  • Underwriting
    Full Medical Underwriting / Moratorium / Continued personal medical exclusions
  • Excess
    £0 / £100 / £250 / £500 / £1,000 once a year or once per claim
  • Core Cover
    Inpatient and day-patient / cancer cover
  • Outpatient Cover
    Paid in full or with optional limits of £500 / £750 / £1,000 / £1,250 / £1,500

Get Expert Advice Calculating Your Health Insurance Costs

When it comes to something as important as your health, you want to be certain that you’re getting the best policy for your needs.

Health Insurance can be complicated because there are so many different factors to consider, so why not make use of an expert adviser?

Why speak to us?

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 2428 and growing independent client reviews rating us at 4.92 / 5.
  • Benefit from the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.
 Nadeem Farid Head of Employee Benefits at Drewberry

We are here to offer impartial and, most importantly, fee-free Health Insurance advice.

If you want to talk through your options to make sure you are looking at the most suitable cover then don’t hesitate to  pop us a call on 02084327333.

Nadeem Farid
Head of Employee Benefits at Drewberry

Sam was very helpful and kept me informed at all times. Brilliant service.

Paul Williams
05/06/2019
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Contact Us
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Millennium Bridge House
2 Lambeth Hill
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Brighton
BN1 6AF
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  • 1You Come FirstWe are a client focused business who always aim to put you first.
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