How much does private medical insurance cost per month in the UK?

Indicatively, an individual might pay from around £35 a month when younger, rising to £65+ at older ages, with family policies often £130–£200+ a month for comprehensive cover. PMI is individually underwritten, so these are illustrative figures, not a quote.

What affects the cost of PMI?

Age, level of cover, hospital list, your chosen excess, the underwriting type, optional add-ons, and your location all affect the price. Higher excess and a narrower hospital list reduce premiums.

How can I make private medical insurance cheaper?

Increasing your voluntary excess, choosing a guided or restricted hospital list, adding a six-week NHS wait option, and removing add-ons you don't need all lower the premium. An adviser can tailor cover to your budget.

Why do PMI premiums increase each year?

Premiums typically rise with medical inflation and your increasing age, and after a claim. Reviewing the market at renewal — which an adviser can do for you — helps keep costs in check.

How much does private medical insurance cost per month in the UK?

Indicatively, an individual might pay from around £35 a month when younger, rising to £65+ at older ages, with family policies often £130–£200+ a month for comprehensive cover. PMI is individually underwritten, so these are illustrative figures, not a quote.

What affects the cost of PMI?

Age, level of cover, hospital list, your chosen excess, the underwriting type, optional add-ons, and your location all affect the price. Higher excess and a narrower hospital list reduce premiums.

How can I make private medical insurance cheaper?

Increasing your voluntary excess, choosing a guided or restricted hospital list, adding a six-week NHS wait option, and removing add-ons you don't need all lower the premium. An adviser can tailor cover to your budget.

Why do PMI premiums increase each year?

Premiums typically rise with medical inflation and your increasing age, and after a claim. Reviewing the market at renewal — which an adviser can do for you — helps keep costs in check.

Private Medical Insurance cost

How much does private medical insurance cost in the UK?

Private medical insurance (PMI) is individually priced, so premiums vary widely — from around £35 a month for a younger individual to well over £100 for older applicants or families with comprehensive cover.

The figures below are illustrative. A separate, qualified adviser will compare insurers and cover options to find the right policy for your health needs and budget, free of charge.

from ~£35/mo

Individual, age 30, mid-range cover, with excess

from ~£65/mo

Individual, age 45, comprehensive cover

from ~£140/mo

Couple, age 50, comprehensive cover

~£130–£200/mo

Family of four, comprehensive cover

Indicative monthly premiums for illustration only. PMI is medically underwritten and varies by age, location, excess, hospital list, and add-ons. Your quote will differ.

Illustrative examples only. These figures are not a quote, recommendation, or financial advice, and your actual premium depends on your individual circumstances. Cover Your Family is not FCA regulated; a separate, FCA-regulated adviser provides all advice and an accurate quote.

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Cover Your Family is not FCA regulated. We pass your enquiry to a separate, FCA-regulated adviser who provides all advice.

What affects your price

What affects your private medical insurance cost

Age

Premiums rise with age because the likelihood of needing treatment increases. Family policies are priced on the ages of those covered.

Level of cover & hospital list

Comprehensive cover with a wider choice of private hospitals costs more than a focused or budget plan with a restricted hospital list.

Excess & underwriting

Choosing a higher voluntary excess lowers your premium. Moratorium vs full medical underwriting also affects price and what's covered from the start.

Add-ons & location

Optional extras like outpatient, dental, optical, and mental health cover increase the cost, and premiums vary by where you live.

Keep costs down

How to reduce your private medical insurance premium

✓Choose a higher voluntary excess to lower your monthly premium
✓Opt for a restricted hospital list if you don't need the widest choice
✓Add a six-week NHS wait option so PMI only steps in if the NHS is slow
✓Drop optional add-ons you're unlikely to use, like dental or optical
✓Compare insurers each renewal — loyalty rarely pays with PMI
✓Use an adviser to match cover to your needs rather than over-insuring

FAQ

Private Medical Insurance cost — common questions

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