How much does individual health insurance cost?
How much you pay for your policy is based on everything from your age to your health to your location. Here's a quick rundown of the average1 for them.
Non-smoking 35-year old
How much you pay for your policy is based on everything from your age to your health to your location. But for a quick rundown of the average, for a non-smoking 35-year old, most policyholders pay £30.12 a month for a basic policy, while 70-year-olds pay £123.331
1Figures based on quotes for a 35 or 70-year-old non-smoker living in the LE9 postcode, paying a £250 excess. Figures correct as of February 2021.
Need more help?
Before you take out an individual health insurance policy, there’s a few things to consider:
- Some policies come with added extras, which can range from inclusive chiropractic care to mental health support and more. If you want a truly comprehensive policy, it’s worth looking into the added extras each cover level provides
- Not everything is covered, and as well as common exclusions like pre-existing conditions, things like routine pregnancy care, or A&E visits may not be available with your policy. Think about what you want your policy to cover and look into whether your insurer will help provide those areas of care.
- You may need to be diagnosed on the NHS if you opt for a basic policy, as private diagnosis is usually only available with medium to comprehensive level policies
- You could get bonus incentives like gym membership or sports tracking devices with your policy. Keep an eye out for these if they’re something that interest you
Yes, having a private medical insurance policy does not take away your right to access the NHS. Some policies may even require you to first be diagnosed on the NHS, before you can receive private treatment. Individual health insurance simply gives you the option to opt for private healthcare if you want it, meaning more flexibility and control over how, where and by whom you’re treated.
What our health insurance expert says
You may be able to get health insurance through your work, but your options will be limited. Having your own policy gives you more freedom over what you’re covered for, who you go with and what you pay. You can choose your own added extras too.
Health insurance expert