Private health insurance in the UK has become increasingly popular as NHS waiting times stretch and demand for faster care rises. But how much does it actually cost in 2025? According to myTribe Insurance, the average monthly premium for an adult is £79.59, while couples pay around £145.77 and families of four average £166.52. These figures are based on over 12,000 quotes collected from leading UK insurers.
Factors That Influence Your Premium
Several variables affect the price of private health insurance. Age is the most significant—older adults pay considerably more. Location also matters, with premiums higher in cities like London due to elevated treatment costs. Cover level plays a major role: opting out of outpatient cover can reduce your premium by up to 50%.
Choosing a higher excess (the amount you pay toward a claim) can also lower monthly costs. For example, agreeing to a £500 excess might reduce your premium by 20–30%. Additionally, insurers often offer discounts if you allow them to select your consultants or hospitals.
Entry-Level vs Comprehensive Plans
Basic plans typically include inpatient and day-patient treatment, but exclude outpatient diagnostics and consultations. According to WeCovr, a 20-year-old might pay £28.09/month for entry-level cover, while a 70-year-old could pay £136.98. Comprehensive plans with outpatient benefits range from £40.80 to £200.60 depending on age.
Ultimately, the right plan depends on your health needs, budget, and risk tolerance. With careful comparison and a clear understanding of coverage tiers, UK residents can find a policy that balances cost and care in 2025.