What affects private health insurance premiums in the UK?

UK PMI premiums are set by age (largest factor), postcode, hospital list, excess, outpatient limit, smoker status, family history, cover modules chosen and underwriting basis. Age alone accounts for roughly 55% of the price. Moving the excess from £100 to £500 typically saves 8–12%.

• Do BMI or weight affect PMI pricing? — Only Vitality and The Exeter formally factor BMI into pricing on some plans. Others load individually when BMI > 35.
• Are diabetics automatically declined? — No. Type 2 diabetics are almost always accepted on moratorium — cover simply excludes diabetes and its complications.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 07515 703307, or email contact@premierpmi.co.uk.