Estimate an indicative monthly private medical insurance premium by age, cover level and excess, for an individual, couple or family.
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Pick who's covered and the cover level; the estimate updates as you change age and excess.
Indicative estimate from typical market averages (Bupa, AXA, Aviva, Vitality, WPA vary widely). The real price depends on underwriting and postcode. IPT 12% is included.
Monthly premium: £61.75Indicative estimate, not a quote. PMI prices vary widely by insurer, age and postcode. The figure shown is a market average. Everything is computed in your browser.
⚖︎ Results are for informational purposes and do not constitute tax advice. For specific situations, consult a licensed accountant or the relevant tax authority.
Premiums rise with age and cover level (basic vs comprehensive), and fall with a higher excess; IPT at 12% is already in the price:
An individual aged 40 on comprehensive cover with a £250 excess ≈ £62/month (~£740/yr). A £500 excess trims roughly 23% off a £0-excess price.
PMI is voluntary — it buys faster access, choice of consultant and hospital, and private rooms. The NHS remains the universal public system. Most PMI is held as an individual top-up or an employer benefit.
Mainly age (it rises steeply after 50), cover level (basic treatment-only vs comprehensive with outpatient and diagnostics), your excess, location, the hospital list and the underwriting basis. This tool estimates from typical market averages.
Moratorium (the common default) asks no medical history but excludes conditions from the last 5 years, potentially reversible after 2 claim-free years. Full medical underwriting fixes exclusions upfront in writing. It changes what's covered more than the headline price.
Yes, at the standard 12% rate — it is already included in the quoted premium (medical insurance is not the higher 20% rate that applies to travel cover).