Estimate your UK private medical insurance premium by age, region, excess and cover level — indicative figures from real broker placements, no personal details required.
Private health insurance cost estimator
An indicative monthly premium based on the variables insurers actually rate on: age, region, excess, hospital list and outpatient level. No personal details required, no quote saved.
What the estimator uses
- Age band — the strongest single driver of PMI pricing.
- Region and postcode loading, especially central London hospital access.
- Excess level, from nil upward.
- Outpatient structure: full, capped or none.
- Whether therapies, mental health and dental modules are included.
What it cannot tell you
It cannot underwrite you. Any declared medical history, a restricted hospital list, employer scheme eligibility or insurer appetite can move the real figure meaningfully in either direction. Treat the output as a planning number and get a regulated quote before budgeting on it.
Typical premium drivers, ranked
| Factor | Direction | Rough impact |
|---|---|---|
| Age | Rises steeply after 50 | Largest |
| Hospital list | Central London costs most | Large |
| Excess | Higher excess, lower premium | Large |
| Outpatient level | Full cover costs most | Moderate to large |
| Six-week NHS option | Cuts premium sharply | Large, with a trade-off |
| Therapies / mental health | Adds modestly | Small |
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 8064 2273, or email contact@premierpmi.co.uk.
Talk through your cover with a specialist PMI broker
PremierPMI's brokers are available Monday to Friday 9am to 5:30pm. Call 020 4525 0884, message us on WhatsApp 020 8064 2273, or email contact@premierpmi.co.uk. You can also request a callback or meet our team.