Trying to figure out UK insurance can feel like a maze, especially with the NHS already in place. The good news? You don’t have to be an expert to get the right cover. Below we break down the basics, the typical monthly costs, and when private insurance actually makes sense.
The NHS offers free care at the point of use, but it also comes with waiting lists and limited choice of specialists. Private health insurance gives you faster appointments, the freedom to pick hospitals, and sometimes access to treatments the NHS doesn’t cover. If you’ve ever waited months for a scan, you’ll see why many people add a private plan on top.
In 2025, a standard private health policy for a single adult costs between £80 and £150 per month, depending on age, health status, and the level of cover. Families can expect to pay roughly £250‑£350 a month for a comprehensive plan that includes dental, optical, and mental health services. Younger, healthy people pay the lower end, while those with pre‑existing conditions face higher premiums.
One way to keep costs down is to choose a plan with a higher excess. That means you pay a set amount each time you claim, but your monthly premium drops. Another tip: compare policies on a yearly basis rather than locking in a multi‑year deal. Prices can shift, and a short contract lets you switch if a better offer appears.
Don’t forget about employer‑provided schemes. Many UK companies add private cover as a benefit, often subsidising a large chunk of the premium. If your job offers this, you might be able to upgrade your plan at a discount or even get it for free.
For expats or frequent travellers, a policy that includes overseas coverage can be a lifesaver. Look for “global health” add‑ons that let you claim medical bills from abroad without a hassle. These usually add £10‑£20 to your monthly cost but give peace of mind when you’re outside the UK.
When choosing a provider, check the network of hospitals and doctors. Some insurers have exclusive agreements with top private hospitals like The Wellington or The London Clinic. If you have a preferred surgeon, make sure they’re in the network, otherwise you’ll end up paying out‑of‑pocket.
What about the tax side? Private health insurance premiums aren’t tax‑deductible for most individuals, but they can be an allowable business expense if you’re self‑employed. Keep receipts and talk to an accountant to see if you can claim any part of the cost.
Lastly, read the fine print on exclusions. Most policies won’t cover pre‑existing conditions for the first 12‑24 months, and cosmetic procedures are often left out unless you add a specific rider. Knowing these limits up front avoids nasty surprises when you try to claim.
Bottom line: UK insurance isn’t one‑size‑fits‑all. Take a look at your health needs, your budget, and whether faster NHS access matters to you. With the right plan, you can enjoy shorter waiting times, more specialist choice, and a smoother experience when you need care.
