UK private health insurance estimator
Free UK private medical insurance (PMI) calculator. Estimate your monthly and annual premium from age, cover level, household and excess — instant, private, no sign-up.
How to use
- Enter your age. Add your age. PMI premiums rise steeply with age as expected claims increase, and the estimate reflects that.
- Choose a cover level. Pick essential, standard or comprehensive cover. Adding out-patient and extras raises the premium.
- Set household and excess. Choose how many people are covered, your excess and underwriting type. A higher excess lowers the premium.
- Review your estimate. See your estimated monthly and annual premium, the typical range, and a cover-level comparison.
Features
- PMI-specific rating. Uses age, cover level, household, excess and underwriting — the factors UK private medical insurers price on.
- Monthly, annual and a range. Shows both monthly and annual cost plus a low–high band for the real spread between insurers.
- Cover-level comparison. Compares essential, standard and comprehensive cover so you can weigh price against benefits.
- NHS context. Makes clear that PMI sits on top of the NHS and is optional, so you can decide if it is worth it for you.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Deciding whether private medical insurance is worth the cost for you
- Comparing essential vs comprehensive cover in pounds
- Estimating family PMI as household size changes
- Seeing how a higher excess lowers your premium
- Budgeting for faster access to treatment alongside the NHS
Is it private?
Every calculation runs in your browser. Your age, household and health details are never uploaded, stored or shared.
Frequently asked questions
Is this a real PMI quote?
No. It is an educational estimate based on published UK market averages and standard rating factors. Actual prices depend on the insurer, your medical history and the exact plan, so get quotes from providers for real figures.
Do I need private health insurance in the UK?
No. The NHS provides core healthcare free at the point of use. Private medical insurance is optional and mainly buys faster access, choice of consultant and private facilities.
What does the cover level change?
Essential typically covers in-patient treatment; standard adds day-patient care; comprehensive adds out-patient consultations and diagnostics. More cover means a higher premium.
What is the difference between moratorium and full medical underwriting?
Moratorium excludes recent pre-existing conditions without you declaring your full history, while full medical underwriting assesses your history up front. Each affects both price and what is covered.
Do the rates stay accurate?
PMI premiums move year to year and with medical inflation, so each estimate shows its data vintage. The rating factors are more stable.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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