Private Health Insurance Cost by Age in the UK
Age is one factor insurers may use when calculating private health insurance premiums. The final cost can also depend on your location, chosen hospital list, level of outpatient cover, excess amount and underwriting.
This is an indicative guide, not a personalised quote. Your personal requirements and medical history can affect the final price. Final premiums may fall outside the range shown. Content reviewed 11 September 2026 by the Covered Today team.
How age can affect private health insurance costs
Age
Monthly Estimate
Note
20
£20–£60
Indicative guide only
30
£30–£90
Indicative guide only
40
£40–£120
Indicative guide only
50
£50–£150
Indicative guide only
60
£60–£180
Indicative guide only
70
£70–£210
Indicative guide only
What else affects the price?
Location & Hospital List
Premiums can vary by region. Choosing central London hospitals or a wider network of facilities can affect your monthly insurance costs.
Outpatient Cover
Comprehensive outpatient cover is often a top-tier option. Limiting this to a fixed amount or choosing diagnosis-only cover can affect costs.
Excess
Opting for a higher voluntary excess—the amount you pay towards a claim—can reduce your monthly or annual health insurance premiums.
Optional Benefits
Adding extras like dental and optical cover, mental health support, or travel insurance can affect the overall cost of your policy.
Underwriting
How medical history is assessed—whether through full medical underwriting or moratorium—can affect the starting price and future exclusions.
Coverage Scope
The number of people covered—such as individual, couple, or family plans—usually changes the premium depending on the total people protected.
Does the price of health insurance always rise as you get older?
Premiums can rise as you get older because the likelihood of needing treatment may increase. The price can also change because of insurer pricing, medical inflation and the cover choices you make.
How accurate is the CoverGuide age table?
This table is an illustrative guide using CoverGuide's simple age-based calculation; it is not validated insurer pricing. Final costs depend on medical history, postcode, and chosen cover.
Is the cheapest health insurance cover always better?
Not necessarily. A lower premium may come with a higher excess, a narrower hospital list or reduced benefits. Check that the policy still matches your needs as well as your budget.