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How Much Does Private Medical Insurance Cost?

Article by Simon Christopher
Article added: 4/4/2005 - Last updated: -
Rating: 2.93 2.93 (14 votes)

Most policies give you a choice of three levels or classes of cover that allow you to choose quality of private care you receive. The more comprehensive cover you choose the more expensive it will be, and if you want access to a wide list of treatments or treatment in a specialist or top rated hospital this will add to the cost.

For example, an average top-of-the-range policy for a 43 year old would cost £145 per month, and a basic policy just £15 per month. By varying the options available you can tailor the level of premium and quality of care to your needs. There is a policy for every pocket if you know what you want and what your options are.

How to Keep the Cost of Cover Down
There are various ways to get the cover you want at competitive rates, but it is important to be aware of what options are available and the quality of care you can expect for a certain premium. Some low-cost policies may compromise on cover and not provide the desired benefits.

  • Choose a budget or basic policy with a restricted choice of hospitals and list of treatments. These policies generally only pay out if your treatment is not available via the NHS after a specific period of time. If choosing a basic policy, make sure you have the flexibility to add policy options as your care needs and budget change.
  • Choose to pay a policy excess, this can help you to afford a more comprehensive policy or simply make a cheaper policy more affordable.
  • Some policies offer no-claims bonuses that can help limit the increase in your premium. This gives you an incentive not to make minor claims which account for the majority of claims.
  • Choosing a different grade of hospital accommodation
  • Paying for part of your treatment
  • Receiving treatment under the NHS when it is available within 6-12 weeks
  • Choosing to receive treatment at a specified hospital

PLEASE NOTE: The guidance published in this article is for information only and does not constitute financial advice or a recommendation of any particular product or company. If you are in any doubt please consult an independent insurance adviser. A database of advisers in your area is available at

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