What is the cheapest health insurance in the UK?

There is no single cheapest policy, because premiums are individually priced on your age, postcode, smoker status and the options you choose. Anyone quoting a universal 'cheapest' figure is guessing.

What is the biggest lever on price?

Usually out-patient cover and the hospital list. Capping out-patient benefit and choosing a local or guided hospital list often reduces the premium substantially while keeping cover for surgery and cancer.

Does a higher excess always save money?

It lowers the premium, but you carry more of the first cost of a claim. Check whether the excess applies per policy year or per condition before you increase it.

Is it worth switching insurer to save money?

Sometimes, but switching can reset how your medical history is treated unless the new insurer offers continued personal medical exclusions. Ask the broker to compare the terms, not only the premium.

Reducing the cost

Compare Cheaper Health Insurance Quotes

Premiums can usually be reduced, but the savings come from specific trade-offs rather than a magic cheaper policy. Here are the levers, and what each one costs you at claim stage.

The trade-offs that genuinely reduce a premium
What to avoid cutting if you want the policy to be useful
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Six ways premiums come down

Cap out-patient cover — a monetary limit instead of full cover. Cheaper, but consultations and scans can run out mid-investigation.
Choose a narrower hospital list — good value if a local private hospital suits you.
Take a higher excess — you fund the first part of each claim year.
Accept guided consultant selection — the insurer shortlists the consultant instead of you choosing freely.
Add a six-week NHS wait option — the insurer only funds private treatment if the NHS wait exceeds six weeks.
Drop extras you will not use — dental, optical and travel modules.

What not to cut

Be careful about reducing cancer cover or removing diagnostic benefit. Those are the areas where a claim is most likely to be large and where a gap is felt most. If the premium only works by stripping those out, it is worth asking whether the plan is doing its job.

A word on price promises

We do not advertise savings percentages or claim to be the cheapest, because premiums are individually underwritten and any such figure would be misleading. What we can do is get your enquiry in front of an FCA-authorised broker who will price the trade-offs above properly.

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