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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 outpatient 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 outpatient care such as scans and hospital appointments where you aren’t admitted.



Private treatment is now resuming in England and Northern Ireland, with the vast majority of independent hospitals offering a full range of services. A very small number will continue to just provide NHS care. Full private services will resume in Wales in early July. For now, restrictions remain in place in Scotland. Hospitals are taking extra precautionary steps to keep patients safe, such as asking them to self-isolate for 14 days before treatment and pre-admission testing. Hospitals will still need to catch up on all the treatment that was postponed at the start of the outbreak. Please be aware that there’s no private treatment available for COVID-19.

You can find details of available services using our online directory, Finder, at and learn more about the other services we have to support you at

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 November 2019 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.

‡‡As of May 2019, based on internally conducted research of the consumer health insurance market. Refers to standard mental health cover when this is included in the selected health cover product.

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.