Private Health Insurance Cost Calculator
CoverGuide by Covered Today
Get an indicative monthly range for new cover, or ask us to review your renewal. CoverGuide is a starting point; an adviser can compare suitable policies from our insurer panel.
What affects the cost of private health insurance?
Age
Location and hospital choice
Outpatient cover
Typically, premiums increase as you get older, as insurers consider the likelihood of requiring medical treatment to be higher in later life.
Your postcode and selected hospital tiers impact costs, particularly in major cities where medical facility overheads and treatment charges may differ.
Outpatient benefits can cover eligible consultations, tests and scans without a hospital admission. Broader benefits or higher annual limits may increase the premium. Check exactly what is included.
Excess
A higher excess may reduce the premium, but check the amount you would need to pay and whether it applies per claim, per condition or per policy year.
Mental health cover
Some insurers include mental health benefits; others offer optional or enhanced cover. Compare inpatient and outpatient treatment, limits and exclusions.
Who is covered
Whether you are insuring yourself, a partner, or a whole family changes the premium calculations based on the risk profile of every individual listed.
Understanding your estimate
CoverGuide uses a simplified calculation, not live insurer quotes. It cannot confirm acceptance, exclusions or your final premium. Request a personalised comparison before choosing cover.
Related private health insurance guides
Is an estimate a quote?
No. The range is an illustration. A personalised quote depends on your details, the insurer and the cover you select.
Does a higher excess always mean better value?
No. It may lower the premium, but you could pay more when claiming. Check how often the excess applies and whether it is affordable.