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4 Aug 2023

How much does health insurance cost in the UK?

Tansy Dando
Wealth and Business Writer

Health insurance can certainly be a worthwhile investment. It can bring you peace of mind and protect you financially if illness should arise. However, when looking at health insurance costs, it’s important to understand what you should expect to pay to get worthwhile coverage that you can afford on an ongoing basis. 

Read on for more information on health insurance costs in the UK.

Health insurance costs in the UK

The cost of health insurance in the UK varies depending on a number of factors, including your age, the type of policy you choose, and any pre-existing medical conditions you may have. Some health insurance policies in the UK offer comprehensive coverage, including private hospital treatment and access to specialists, while others offer more basic coverage for things like GP visits and prescription medication.

On average, health insurance premiums in the UK can cost anywhere from £25 to £200 per month, depending on the level of coverage you choose. It is worth noting that the cost of health insurance costs can vary depending on where you live, as well as other factors such as your family size and your occupation. Some health insurance policies may also offer additional benefits, such as cover for complementary or alternative therapies, or for travel insurance. These additional benefits can also affect the overall cost of the policy.

It’s also crucial to factor in any pre-existing medical conditions. Health insurance plans can cost more for individuals with pre-existing or ongoing medical conditions or for those who are older and may require more medical care. 

What pre-existing medical conditions can affect the price of health insurance?

Pre-existing medical conditions can often affect the price of health insurance, as insurers may view individuals with these conditions as higher risk and therefore charge higher premiums. 

Some examples of pre-existing medical conditions that may affect the price of health insurance include:

  • Chronic conditions such as diabetes, asthma, and epilepsy
  • Heart conditions, including high blood pressure and coronary artery disease
  • Mental health conditions, such as depression and anxiety
  • Cancer and other serious illnesses
  • Obesity

It is worth noting that the impact of pre-existing medical conditions on the cost of health insurance can vary depending on the specific condition and the insurer. Some insurers may be more willing to cover individuals with certain pre-existing conditions, while others may exclude coverage for these conditions or charge higher premiums. It is important to shop around and compare different health insurance policies to find one that meets your specific needs and budget.

Tansy Dando
Wealth and Business Writer
I aim to bring clarity to the complex sectors of wealth and business with researched content designed to help you make the best financial decisions for your needs.
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