What does health insurance typically cover?

A standard health insurance policy arranged through Premier Insurance includes public liability (usually £1m–£10m), employers' liability (£10m minimum if you employ staff), tools and equipment, business contents, stock, and optional cover such as professional indemnity, cyber liability, business interruption and product liability. Cover is tailored to how your health operation actually works rather than a one-size-fits-all package.

How much does health insurance cost in the UK?

Health insurance premiums in the UK typically start from around £15–£45 per month for sole traders and rise based on turnover, number of employees, claims history, location and level of cover. Premier Insurance compares quotes from 200+ UK and Lloyd's of London insurers — including AXA, Aviva, Allianz, Hiscox, Zurich, RSA and QBE — so you only pay for the cover you genuinely need.

Do I legally need health insurance?

If you employ any staff in the UK — even part-time or casual — Employers' Liability Insurance is a legal requirement under the Employers' Liability (Compulsory Insurance) Act 1969 with a £10m minimum limit. Public liability is not legally required but is contractually demanded by almost every commercial client, landlord, local authority and main contractor.

How quickly can Premier Insurance arrange health cover?

For most standard health risks we can provide quotes within the same working day and issue cover the same day once you accept the quote. Speak to a UK broker on 020 4525 0884 (Mon–Fri 9am–5:30pm), WhatsApp 020 8064 2273 or email contact@premierpmi.co.uk.

Individual, couple, family, over-60s, self-employed and expat private health insurance compared by a whole-of-market UK broker. Compare cover, underwriting and indicative costs.

Private health insurance UK — find the right cover for you

Private medical insurance is priced and underwritten very differently depending on who is being covered. This hub routes you to the cover page that matches your situation, each written by the PremierPMI broker desk with indicative pricing, underwriting notes and the insurers that place best for that audience.

Cover by audience

Audience	Indicative from	What drives the price
Family Health Insurance UK		UK family health insurance typically costs £150–£400/month for a family of four depending on age, postcode and cover level. Aviva, Bupa and Vitality are the mos
Couples Health Insurance UK		UK couples health insurance typically costs £100–£250/month for two healthy adults in their 30s, rising with age and cover level. Joint policies offer admin sim
Private Health Insurance for Children UK		UK private health insurance for children typically costs £30–£80/month per child when added to a family policy. Standalone child-only policies are rarer but ava
Health Insurance for Autistic Children UK		UK health insurance can fund private autism assessments (~£1,500–£3,000), speech therapy, and occupational therapy. Premiums for a child with suspected ASD are
Self-Employed Health Insurance UK		UK self-employed health insurance typically costs £50–£150/month for a healthy 35-year-old. Ltd company directors can offset premiums as a business expense. The
Contractor Health Insurance UK		UK contractor health insurance typically costs £60–£150/month for a healthy 35-year-old. Ltd/PSC directors can offset premiums as a business expense. Umbrella c
Health Insurance for Company Directors UK		UK director health insurance typically costs £80–£200/month for a healthy 45-year-old. Premiums paid by the company are a deductible business expense. Bupa, Avi
Health Insurance for High-Net-Worth Individuals UK		UK high-net-worth PMI typically costs £300–£800+/month depending on age, cover scope and global access. Bupa Platinum, AXA Global Health, and Vitality VIP are t
Health Insurance for Retirees UK		UK retiree health insurance typically costs £150–£400/month for a healthy 65-year-old. Premiums rise with age, but continuity of cover matters more than short-t
Health Insurance Over 50 UK		UK health insurance for over-50s typically costs £100–£250/month for a healthy 55-year-old. Premiums step up at 50, 55, 60, so locking in cover early saves mone
Health Insurance for Seniors Over 60 UK		UK health insurance for over-60s typically costs £150–£300/month for a healthy 63-year-old. Premiums step up at 60 and 65, so existing policyholders should hold
Health Insurance for Over 65s UK		UK health insurance for over-65s typically costs £200–£400/month for a healthy 67-year-old. New applicants face moratorium exclusions; existing policyholders sh
Health Insurance for Over 70s UK		UK health insurance for over-70s typically costs £300–£500+/month for a healthy 72-year-old. Few insurers accept new applicants at this age; existing policyhold
Channel Islands Health Insurance		Channel Islands health insurance typically costs £80–£200/month for a healthy 40-year-old. Key considerations: local hospital access (Jersey General, PEH Guerns
Health Insurance for a Family of 4 UK		UK health insurance for a family of four (two adults, two children) typically costs £150–£400/month depending on ages, postcode and cover level. Aviva's modular
Best Comprehensive Health Insurance UK		UK comprehensive health insurance typically costs £120–£300/month for a healthy 40-year-old. 'Comprehensive' means full outpatient (not 6-week rule), unlimited
Health Insurance for Expats UK		UK expat health insurance typically costs £100–£400/month depending on age, destination and cover scope. Outbound expats (UK → abroad) need international PMI; i
Health Insurance for Overseas Students UK		UK health insurance for overseas students typically costs £50–£100/month. International students pay the Immigration Health Surcharge (IHS) for NHS access, but
Health Insurance for Same-Sex Couples UK		UK same-sex couples have full access to joint health insurance policies on identical terms to opposite-sex couples. Civil partnerships and marriages are treated
Health Insurance for Smokers UK		UK health insurance for smokers typically carries a 30–50% premium loading compared to non-smokers. Smoking is usually defined as any tobacco or nicotine use in
Health Insurance for Doctors UK		UK health insurance for doctors typically costs £60–£150/month for a healthy 40-year-old. BMA membership offers discounted PMI schemes. Key benefits: faster dia

How UK private medical insurance actually works

A UK PMI policy pays for the diagnosis and treatment of acute conditions — problems that started after the policy began and are expected to respond to treatment. It does not replace the NHS for emergencies, chronic-condition management or maternity; it buys speed, choice of consultant and a private room for eligible conditions.

Premiums are set by age, postcode, hospital list, excess, underwriting basis and any optional outpatient, therapies, dental or mental-health modules. Two people the same age in the same street can pay very different premiums purely because of hospital list and excess choices — which is why a broker comparison usually beats a direct quote.

Underwriting: moratorium (fastest, pre-existing conditions excluded for a set period) or full medical underwriting (slower, but you know where you stand).
Hospital list: the single biggest premium lever after age — a London-inclusive list costs materially more.
Excess: raising it is usually the cheapest way to bring a premium down without cutting cover.
Outpatient limit: full cover versus a capped limit changes both price and how far the policy carries a claim.
No-claims or shared-responsibility structures change how the premium behaves at renewal.

Why place through a broker

We compare 10+ leading UK health insurers rather than a single insurer's own quote.
We check hospital access against where you would actually be treated.
We hold your underwriting answers to one consistent standard across every quote.
We advocate on shortfalls, pre-authorisation refusals and renewal increases at no extra cost to you.
Our advice is regulated: Tesha Family Ltd, FRN 1029667.

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.