Many people assume private health insurance is only for the wealthy or those living in major cities—but that’s not always the case. In fact, premiums can vary significantly depending on your age, location, and lifestyle.
If you’ve been putting off getting a quote because you think it’ll be too expensive, this guide might surprise you.
Let’s break down how much private medical insurance (PMI) really costs across the UK—and whether you could be paying less than you think.
💡 Quick Answer: What’s the Average Monthly Cost?
Your personal premium may be higher or lower based on what you choose to include, but for many people, PMI is less expensive than a mobile phone contract or gym membership.
📊 Private Health Insurance Cost by Age (Estimates)
| Age Group | Basic Cover (£) | Mid-Level Cover (£) | Comprehensive (£) |
| 25-year-old | £25 | £35–£45 | £55+ |
| 35-year-old | £35 | £50–£65 | £80+ |
| 45-year-old | £50 | £70–£90 | £110+ |
| 55-year-old | £70 | £100–£130 | £150+ |
| 65+ | £90 | £130–£160 | £200+ |
These are sample monthly premiums based on individual applicants in good health, using standard hospital lists and £250 excess.
📍 Cost by Region: Does Where You Live Matter?
Yes. Location affects premiums because hospital charges differ depending on the area.
| Region | Average Premium Impact |
| London | +10% to +25% higher |
| South East | Slightly higher |
| Midlands | Moderate |
| Scotland | Often lower |
| Wales/North | Generally lower |
✅ Tip: If you live outside London and avoid premium hospital networks, your policy could be significantly cheaper than the UK average.
🏥 Realistic Example Scenarios
Example 1:
A 30-year-old in Glasgow chooses a basic plan with outpatient cover and a £500 excess →
💰 Estimated cost: £32/month
Example 2:
A 45-year-old in Manchester chooses a mid-range policy with a guided consultant list →
💰 Estimated cost: £68/month
Example 3:
A family of four in Bristol chooses a comprehensive plan with dental and mental health cover →
💰 Estimated cost: £140/month
❓ Why the Price Might Be Lower Than You Expect
Most people are surprised when they get an actual quote—especially with the right broker advice.
✅ Find Out What You Could Be Paying
There’s no one-size-fits-all price, but there is a plan that fits your needs and budget.
At Daddy Insurance, we compare quotes from the UK’s top providers—tailored to your age, location, and health goals. We’ll help you keep costs down without compromising on quality cover.👉 Request your free personalised quote below
No obligation. No hidden fees. Just expert guidance and honest answers.