Private medical insurance costs, hospitals and NHS waiting times by UK city
Private health insurance by UK city
Where you live changes both your premium and what your policy is actually worth. Hospital lists, consultant availability and local NHS waits vary enormously between cities. These pages set out the private healthcare market city by city.
Cities we cover
| City | Region | Indicative from |
|---|---|---|
| London | Greater London | |
| Manchester | Greater Manchester | |
| Birmingham | West Midlands | |
| Leeds | West Yorkshire | |
| Bristol | South West | |
| Edinburgh | Scotland | |
| Glasgow | Scotland | |
| Cardiff | Wales | |
| Belfast | Northern Ireland | |
| Liverpool | Merseyside |
Why location moves the premium
Postcode rating reflects the cost of the hospitals an insurer expects you to use. Central London carries the highest loading in the UK because of the concentration of high-cost private hospitals; a policy written on a restricted or 'countrywide excluding central London' list can cost substantially less for the same member.
Local NHS waiting times matter too — they determine how often you will actually use the policy, and in some regions the gap between NHS and private timelines is far wider than the national average.
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 020 4525 0884, or email contact@premierpmi.co.uk.
Speak to a broker who places cover in your area
PremierPMI's brokers are available Monday to Friday 9am to 5:30pm. Call 020 4525 0884, message us on WhatsApp 020 4525 0884, or email contact@premierpmi.co.uk. You can also request a callback or meet our team.