Thinking about buying private health insurance in the UK? You’re not alone. Many people want faster appointments, more treatment choices, and the peace of mind that comes with a private plan. Below we break down the basics, the real costs, and how to choose a policy that fits your life.
The NHS provides free care at the point of use, but waiting lists can be long, especially for specialist procedures. Private insurance lets you skip most queues, pick your own consultant, and often access private hospitals with upgraded rooms. You still pay tax for NHS services, so many choose to keep both options – the NHS as a safety net and private cover for extra speed or comfort.
Private plans vary widely. Some only cover inpatient surgery and hospital stays, while others include out‑patient visits, diagnostics, mental‑health therapy, and even dental or optical care. Read the policy wording carefully – a cheaper plan might look good until you need a service that isn’t covered.
In 2025 the average monthly premium for a single adult in England sits between £70 and £120, depending on age, health status, and the level of cover. Families can expect to pay £150‑£250 per month for a comprehensive plan. Your premium will rise as you age, so locking in a younger rate can save you money later.
Besides the monthly fee, most policies have a yearly deductible (often £0‑£200) and a co‑pay for each visit (typically £20‑£50). Some insurers also charge a “waiting period” of 30‑90 days before you can claim certain treatments. Factor these extra costs into your budget before you sign up.
We’ve compiled a few of our most‑read articles on the topic:
These reads give you concrete numbers and real‑world tips, so you can decide whether private cover makes sense for you.
When you shop around, ask for a “quote breakdown” that shows exactly what’s covered, the excess you’ll pay, and any limits on treatments. Some insurers offer “cash‑back” or wellness rewards – useful perks if you stay healthy.
Don’t forget to check if your employer already provides a group policy. Employer‑sponsored plans often have lower premiums because the risk is spread across many employees.
Finally, think about your health goals. If you need regular physiotherapy, mental‑health appointments, or elective surgery, a private plan can be a smart investment. If you’re generally healthy and comfortable waiting for routine NHS services, you might stick with the public system and keep a small cash reserve for occasional private care.
Bottom line: private health insurance in the UK offers speed and choice, but it comes with a price tag. Compare policies, read the fine print, and match the plan to your actual health needs. With the right approach, you can get the best value without overspending.
