Private Health Insurance Cost Calculator UK (2026)
Use this simple 2026 estimator to get a rough idea of your monthly private health insurance cost — pick your age, cover level and excess to see a realistic price band, then get an exact quote.
How This Calculator Works
This is a quick estimator, not an interactive form — and it needs no personal data. Pick your age band, cover level and excess, then read your estimated monthly price band off the table below. It gives you a realistic ballpark in seconds so you’re not going in blind.
For a full breakdown of what drives the numbers, see our detailed guide to private healthcare monthly costs in the UK. For an exact premium tailored to you, get a personalised quote.
How to Use the Calculator
You don’t need to enter any personal details. Just make three choices, then read your band off the estimate table:
- Pick your age band — use the band for the oldest person you want to cover (18–29 up to 70+). Age is the biggest single driver, so this matters most.
- Choose a cover level — Basic (surgery, low/no outpatient), Mid-range (surgery + ~£1,000 outpatient + therapy), or Comprehensive (full diagnostics, higher outpatient, extras). Unsure? See comprehensive vs basic cover.
- Pick an excess — a higher excess lowers your monthly premium. The table assumes a moderate £100–£250 excess.
Your Estimated Monthly Cost (2026)
Find your age band, then read across to your chosen cover level. These are illustrative monthly bands for a non-smoker outside central London with a moderate excess — an estimate, not a quote.
| Age band | Basic cover | Mid-range cover | Comprehensive cover |
|---|---|---|---|
| 18–29 | £25–£40 | £35–£55 | £50–£75+ |
| 30–39 | £30–£50 | £45–£75 | £70–£100+ |
| 40–49 | £40–£70 | £60–£95 | £90–£140+ |
| 50–59 | £55–£90 | £80–£140 | £120–£190+ |
| 60–69 | £75–£130 | £110–£190 | £160–£260+ |
| 70+ | £100–£170 | £150–£240 | £220–£350+ |
Per person, per month. Assumes non-smoker, outside central London, moderate excess (£100–£250), no heavy loadings. London and high-risk factors push estimates higher. For the full cost breakdown and more examples, see our monthly cost guide.
Adjusting Your Estimate
The table gives a baseline. Nudge your estimate up or down for these:
- London postcode → lean to the top of each band (or higher); London hospital lists cost more.
- £0 excess → higher than shown; £500+ excess → lower than shown. See how excess works.
- Restricted / guided hospital list → lower; nationwide + top London hospitals → higher.
- Pre-existing conditions / loadings → can add to the premium depending on underwriting.
- Covering a couple or family → multiply roughly, though joint policies vary. See family cover.
Want to understand why the numbers land where they do, and how they change at renewal? Our guides to the monthly cost of private healthcare and why premiums are rising go deeper.
Getting an Exact Figure
This estimator is deliberately simple — it can’t see your full health history, postcode or the specific insurer’s pricing, which is where real quotes differ. To turn your estimate into an exact monthly premium, you’ll need a personalised quote based on your details.
From estimate to exact price
Use the table above for a realistic ballpark in seconds — then compare real quotes when you’re ready, because the exact figure always depends on your age, postcode, cover level and health history.
Compare quotes from leading UK insurers — free, independent, no obligation.
Frequently Asked Questions
Is this an official quote from an insurer?
No. This calculator shows typical price bands based on current UK market ranges — it’s an estimate, not an offer or guaranteed quote. For an exact premium you’ll need to complete a health questionnaire and underwriting with an insurer.
How accurate is the estimate?
It’s a realistic ballpark for a typical non-smoker outside central London. Your real quote can be higher or lower depending on your age, postcode, exact cover, excess and medical history. Treat the band as a starting point, not a promise.
Why is my real quote higher than the calculator?
Differences usually come from a London postcode, a very low excess, a high-cost hospital list, or medical history and loadings. These push real quotes above the baseline bands shown here.
Can I use this for company or family health insurance?
For a rough sense check, yes — but business health insurance is priced differently (often per employee), and family policies vary. Use the individual bands as a guide only.
Where can I see a full cost breakdown?
Our detailed monthly private healthcare cost guide explains what drives premiums with more examples, and our age-banding guide shows how cost rises with age.
- Typical UK PMI premium ranges by age, cover level & excess (2026, indicative market data)
- Going Private UK — monthly cost, age-banding & excess guides (2026)
Important information
This calculator gives indicative price ranges only based on typical UK market pricing — it is not a quote, an offer, or financial advice. Final premiums depend on your age, postcode, cover level, excess, insurer and underwriting (including any pre-existing conditions). Always obtain a personalised quote and confirm terms with the insurer before buying. We may earn a commission when readers compare cover through our quote service — this never affects our guidance.
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