Private Health Insurance Cost Calculator UK

See what private health cover could cost you

Estimate your monthly cost, check if your current cover still looks good value, or compare switching options in under 30 seconds

New customers Already covered Switching support

Step 1

What would you like to check?

Step 2

Who needs cover?

Step 3

What age range are you in?

Step 4

Where are you based?

Current cover check

Who is your current provider?

Current price check

Roughly what do you pay each month?

Cover style

What level of cover feels right?

Cost control

What excess would you prefer?

Final step

What matters most to you?

Your rough monthly estimate

People with similar needs may pay around

£45 to £85

This is only a guide. Your final price depends on your age, location, medical history, cover level, excess, hospital list and insurer underwriting

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Kevin can help you compare real options clearly with no pressure

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What affects private health insurance cost?

Your monthly price can change depending on your personal details, cover choices and how each insurer assesses your application

AgePrices usually increase as you get older

LocationHospital access and treatment costs can vary by area

Cover levelMore comprehensive cover usually costs more each month

ExcessA higher excess can reduce your monthly price

Hospital listWider hospital access can affect the final quote

Medical historyInsurers may assess health details before confirming cover

Example monthly cost guide by age

These are rough guide ranges only. Real prices depend on the insurer, your location, cover level, excess and personal circumstances

Age range	Rough monthly guide	Kevin note
18 to 29	£25 to £45	Often the lowest starting range
30 to 39	£35 to £60	A common time to start comparing
40 to 49	£50 to £85	Cover choices start to matter more
50 to 59	£75 to £125	Comparing providers can make a bigger difference
60 plus	£110 to £190	Guidance becomes especially important

Already covered?

If you already have private health insurance, the question is not just what it costs. It is whether your current cover still fits your needs and feels good value

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How to keep cover good value

The smartest option is not always the cheapest. It is the cover that protects what matters without paying for things you do not need

Compare providersDifferent insurers can price similar cover differently

Review your excessChoosing the right excess can help balance cost and protection

Check your extrasOnly add extras that genuinely matter to you

Thinking about switching?

Switching can be smart, but it should be done carefully. Kevin helps you start the comparison clearly so you can ask the right questions before making changes

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Common calculator questions

A few quick answers before you compare real options

Is this an exact quote?

No. It is a rough guide only. Real quotes depend on insurer underwriting, your medical history, your cover choices and your exact situation

Why does age affect the price?

Health insurance pricing usually changes with age because the likelihood and cost of claims can increase over time

Can I reduce my monthly cost?

Often yes. Changing your excess, cover level, hospital list or optional extras can affect the monthly price

Can I compare before my renewal?

Yes. Renewal is one of the best times to check whether your current cover still fits your needs and budget

Can I switch without losing important cover?

Sometimes, but it needs to be reviewed carefully. A selected advisor can help compare like for like and explain what to consider before switching

Will someone call me if I request real quotes?

Yes. A selected health insurance advisor may contact you to walk through your options. There is no pressure to proceed

Ready to see your real options?

Your estimate is a helpful starting point. Now compare real quotes from leading UK private health insurers

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Continue Your Research

Understand your options before you compare

Explore helpful guides if you want to understand private health insurance in more detail before comparing real options

How Private Health Insurance Works Understand how cover works, what is included and what to consider before comparing providers

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About Just Go Check Learn how we help people compare private health insurance with clearer guidance and less confusion

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Our Story Discover how Just Go Check started and why helping people understand health cover matters to us

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