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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 how much your health insurance costs.

What can affect the price of my health insurance policy?

I want to make my policy more affordable – 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.

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

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 or your employer set a maximum benefit limit, either for each renewal 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). If your cover is provided by your employer, please check your certificate or guide to see which specific list of advanced therapies your employer has selected as it may not cover all advanced therapies.

‡‡ To support addictions we fund one addiction treatment programme per membership lifetime. To support chronic mental health conditions (conditions which recur) we removed restrictions on cover from June 2019. Please call us if you would like to discuss the benefit limits on your policy.

††As of February 2022, this comparison to other products in the market is based on Bupa’s and Defaqto’s interpretation of the differences between the Bupa’s Bupa By You health insurance and other health insurance products offering mental health cover. The comparison excludes any special offers or promotions which may temporarily alter the cover offered. Cover comparison information is for personal use and guidance only and does not constitute any contractual representation, warranty or obligation by either Bupa or Defaqto about the completeness, accuracy, reliability, suitability or availability of the comparison. Neither party accepts any liability for errors, omissions, direct or consequential loss in relation to this comparison.

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

‡‡‡ Direct Access telephone services are available as long as the symptoms are covered under your policy. If your cover excludes conditions you had before your policy started, we’ll ask you to provide evidence from a GP that your symptoms are not pre-existing for a period of up to two years after your policy start date or up to five years in the case of mental health. For rolling moratorium underwritten policies we will ask for evidence each time you claim for a condition not claimed for before. Always call us first to check your eligibility.

†††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.

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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