Health Insurance

Health Insurance Cost Calculator | Money Saving Advisors

Estimate your private health insurance costs. Adjust cover levels and get an idea of premiums with our calculator.

Written by:
Lawrence Howlett
Edited by:
Fact Checked by:
August 7, 2025

Your easy guide to the right coverage

Understanding what you might pay for your private health insurance can be a challenge. That's where our cost calculator comes in - designed to give you a clear, instant estimate of your costs based on your needs and preferences. It's simple, quick, and customised.

Why use a health insurance calculator?

Choosing the right health insurance plan means balancing coverage, benefits, and budget. That's why our calculator breaks it down into simple figures, so you know exactly what to expect.

  • Personal estimates: Put in your age, health status, and preferred coverage, and get a cost estimate tailored for you.
  • Compare plans: See how different plans measure up in terms of price and benefits, so you can pick the one that fits.
  • Save time and stress: No need to phone around or wade through brochures and jargon - get the info you need, fast.

How our cost calculator works

We built this tool with you in mind. Here's how it breaks down your potential costs:

  • Input your details: As well the basics, enter pre-existing medical conditions and other needs.
  • Choose preferences: Add extras like dental or optical cover, or opt for a plan with lower excess.
  • Get your estimate: The calculator shows an estimated cost based on real health insurance prices.
  • Compare options: View multiple quotes side by side to find the best value for money.

Summing up

Our cost calculator takes the guesswork out of choosing a private medical insurance policy. It helps you understand what you're likely to pay before you commit, so you can pick a plan that fits both your health needs and budget.

Frequently Asked Questions

How accurate is the health insurance cost calculator?

Our calculator balances the latest UK pricing data with your specific needs. It estimates the cost of your private medical insurance premiums - but final quotes may vary when you apply directly with insurers.

Can I trust the quotes to cover all my medical needs?

The calculator shows estimates based on your preferences, but always check your plan carefully to make it covers your specific health requirements, preferred private hospitals, and other needs.

Do I need to create an account to use the calculator?

No, you can use our calculator instantly without signing up or sharing personal information beyond what's needed for the estimate - your age, medical history, and coverage needs.

Does it cover private mental health treatment?

Some health insurance policies include mental health cover and some don't. Always check the details of your policy - and use our calculator to see how it'll change your health insurance premiums.

Does it include international health insurance?

No, the calculator focuses on UK-based private medical treatment. If you're looking for international cover, a basic health insurance policy may not be enough - you'll need a specialised international plan.

Is this calculator free to use?

Absolutely - our calculator is completely free, with no hidden fees or obligations.

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Ready to work out your health insurance costs?

Explore tailored estimates and take control of your health coverage today.

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About the author

Lawrence Howlett

Founder of Money Saving Advisors and a finance writer known for clear, actionable insights.

Learn more about Lawrence Howlett