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. These are your personal circumstances, and the cover choices you make.

Watch our health insurance cost video to learn more about how your health insurance cost is calculated.

What can affect the price of my health insurance policy?

Questions about health insurance costs? Just ask!


Who are you?

Hello, my name's Ed Reed. I've been at Bupa for 16 years.

Come and ask me about health insurance, what you're covered for,

and any other questions you might have.

How much does health insurance cost?

That's a really good question and one we get asked a lot.

It depends on a few factors. One of the factors is your age,

so as you get older, you're more likely to make claims.

Also, your lifestyle can affect the price.

How many people you have on your policy, the policy makeup.

So whether you have a comprehensive policy or your excesses,

there's various different options that you can pick to adjust the price.

The best thing you can do is you can go on our website or you can give us a call

and speak to our friendly team who can go through all the options with you.

What is an excess and how does it work?

An excess can make your policy more affordable.

There are a range of different excesses to choose from.

You don't have to have an excess in the policy. The higher the excess,

the lower the monthly subscriptions are.

The good thing about the excess is it's once per person, per policy year,

not for every single claim that you make.

It's not like car insurance excess where you pay it on every single claim.

It is just that once per person, per policy year.

When/ how do I pay my excess?

We will let you know who and when to pay your access to when you speak to us.

Please don't pay a provider unless we tell you to do so.

Do I pay an excess for using services like Anytime HealthLine or Digital GP?

No, you don't pay an excess for using the digital GP or using the Anytime

Healthline. If you do need to pay an excess,

then we will let you know when to pay the excess and who to pay the excess to.

Can I change my excess part way through the year?

You can't change your excess partway through the year.

You do have the ability to change your excess 21 days after receiving your


You also have the ability to change your excess at your policy renewal,

and you can find details of your excess on your policy documents.

What is a no claims discount and how does it work?

No claims discount affects the price at renewal,

so depending on the size of the claim,

a small claim wouldn't affect the no claims discount as much as a large claim

would. Everyone on the policy has their own no claims discount,

and there are some services that don't affect the no claims discount,

such as the anytime Healthline to speak to a nurse or the digital GP

to speak to a GP or pharmacist.

Those services wouldn't affect the no claims discount.

Will the cost go up every year?

Yes, it's likely the cost will go up each year.

There's a few reasons for that.

The first reason would be age. So as you get older,

you are more likely to make claims, your risk goes up.

Another factor would be medical inflation.

So that is the advancement in technology of drugs and

treatments. And then another factor would be claims.

Claims can affect the cost of your policy.

At each renewal,

you have the option to review the cover and look at cost options,

and you can give our friendly team a call who can take you through those


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 2023, 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)

‡‡‡ Any onward referrals for consultations, tests or treatment are subject to the benefits and exclusions of your cover. Please check your guide and certificate for further details or contact us 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.

‡‡‡‡ Bupa Blua Health private prescriptions with click and collect or home delivery options available. The cost of the private prescription is paid for by the individual. Charges for delivery will apply. Collection is usually available within 60 minutes, depending on your pharmacy opening hours, and selected pharmacies are open at weekends. Depending on your location, delivery to your door can be within 24 or 48 hours (other than on bank holidays).

Bupa Blua Health is provided by Bupa Insurance Services Limited, registered in England and Wales with number 3829851. Digital GP services are powered by eMed Healthcare UK Limited, registered in England and Wales with number 15086104, Registered Office: 184-192 Drummond Street, London, England, NW1 3HP

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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