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What is the average cost of private health insurance?

In truth, it’s difficult to say exactly how much a typical health insurance policy costs, as not everyone will choose the same cover. It’s entirely down to your personal circumstances and what you’re looking to be covered for.

However, there are two major factors that can affect the cost of your health insurance.

What can affect the price of my health insurance policy?

I want to keep the cost of my policy down – how do I do this?

When choosing health insurance, it’s important you select a policy that suits your needs and budget.

If you’re looking to keep the cost of your policy down, you could increase your excess limit or reduce your out-patient limit that may be included on the policy. Some policies also offer seasonal discounts or first year perks.

How to make health insurance more affordable



Learn more

What do I get for my money?

Again, this depends on the health insurance provider and policy you choose. It also depends on your personal preferences and what you want to be covered for.

For example, most health insurance policies should cover you for treatment and care in private hospitals, as well as private consultations, physiotherapy and out-patient care such as scans and hospital appointments where you aren’t admitted.

What does Bupa cover?

Bupa health insurance covers all the things we’ve discussed above but there are also some things we do a bit differently.

See our other guides on health insurance

††One addiction treatment programme only.

Subject to your benefit limits.

As of December 2020 this analysis is based on internally conducted review of the consumer health insurance market using publicly available information from the major insurers in the UK consumer health insurance market. Combined, Bupa, AXA PPP, Aviva and Vitality hold approximately 90% of the Gross Written Premium income of UK PMI providers. Refers to standard mental health cover when this is included in the selected consumer health insurance product.

See PDF How we compare: Individuals (PDF 1MB)

‡‡Customers who live in the Isle of Man, or have a Bupa Standard, Bupa Premium or Bupa Your Choice policy, do not have access to Digital GP provided by Babylon, but can access GP24, provided by HealthHero. Some corporate schemes don't include access to Digital GP or GP24, please check your scheme documents or give us a call.

†††With Bupa full cancer cover, there are no limits on how long your treatment lasts or how much it costs, for as long as you have Bupa health cover. If you set a maximum benefit limit, either for each policy year or the full length of time that you’re with us, we’ll cover eligible costs until you reach your limit. You must use a hospital or health centre from the Bupa network and a consultant that we recognise and charges within Bupa rates (a fee-assured consultant).

Digital GP is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

Digital GP services are provided by Babylon Healthcare Services Limited. Registered in England and Wales No. 09229684. Registered office: 60 Sloane Avenue, London SW3 3DD.

Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.

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