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Research, ratings, guides and explainers: unbiased information for anyone looking at insurance or private healthcare.
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Private health insurance
Whether you're new to private health insurance or looking for a better deal at renewal, our ratings, cost research and provider reviews are free to read and independent of the insurers we cover. Start here:
- Best over 50s health insurance, the insurers that rate highest for older customers, and why
- Health insurance renewal, what to check and how to avoid overpaying
- Leaving a company health plan, what happens to your cover and how to replace it
Read our individual provider reviews
Compare health insurance
Life insurance
Buying a life insurance policy is a decision most people make once and then keep for decades, so it's worth getting right first time. Our ratings, pricing research and explainers cover the leading UK insurers. Start here:
- Types of life insurance, level, decreasing, whole of life and how to tell which you need
- Life and critical illness cover, what it adds, what it costs and when it's worth having
- What does life insurance not cover, the exclusions worth checking before you buy
Read our individual provider reviews
Compare life cover quotes
Income Protection
Income protection replaces part of your income if illness or injury stops you working. The right policy depends on what an insurer pays, and when, not just the headline price. Start here:
- What is income protection insurance, how it works and what it pays out
- Self-employed income protection, cover when there's no employer sick pay to fall back on
- Benefits of income protection insurance, and the trade-offs to weigh before you buy
Business health cover
If you run a business or work for yourself, the questions change: what group cover includes, what it costs per employee and how HMRC treats company-paid cover. Start here:
- Cost of business health insurance, what a scheme typically costs per employee and how it's priced
- Health insurance for employees, what staff get and how they use it
- Self-employed health insurance, the best options when there's no company scheme
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Our impartial 2026 insurer ratings
We score each insurer’s policies ourselves. No insurer can pay for a rating.
2026 health insurance ratings
Bupa, WPA and The Exeter top our 2026 health insurance ratings
We analysed nearly 200 policy documents and scored each insurer's flagship policy on more than 20 measures and 63 sub-measures, from cancer cover to how a claim changes your premium.
Bupa5.0 out of 5
WPA5.0 out of 5
The Exeter5.0 out of 5
Vitality4.5 out of 5
Aviva4.5 out of 5
2026 life insurance ratings
Royal London tops our 2026 life insurance ratings
We reviewed more than 30 life insurers and around 1,200 data points, scoring over 40 policy features, from cover limits to how claims are paid.
Royal London5.0 out of 5
Aviva5.0 out of 5
Vitality5.0 out of 5
Scottish Widows5.0 out of 5
LV=5.0 out of 5
2026 income protection ratings
Five income protection providers earned our top five-star rating
We reviewed 17 providers and over 800 data points, scoring over 40 policy features, from how long claims pay out to claims support.
- LV=5.0 out of 5
- Aviva5.0 out of 5
The Exeter5.0 out of 5- Royal London5.0 out of 5
Cirencester Friendly5.0 out of 5
Find out how much it costs to go private for treatment
In London? Best private hospitals · GPs · Physios
Thinking about going private? See what health insurance would cost you.
Compare health insuranceOur research
We price cover and private treatment ourselves, so you know what to expect.
2026 health insurance prices
Health insurance costs £82.53 a month on average for one adult
| Age | Basic cover | Comprehensive cover |
|---|---|---|
| 30 | £35.84 | £55.89 |
| 40 | £44.70 | £71.81 |
| 50 | £60.84 | £96.34 |
| 60 | £90.39 | £132.53 |
From 11,770 new-policy quotes from seven insurers, March 2026. Comprehensive adds outpatient cover and therapies.
2026 life insurance prices
Life insurance costs a 40-year-old non-smoker £12.70 a month on average
| Age | Non-smoker | Smoker |
|---|---|---|
| 30 | £6.62 | £10.77 |
| 40 | £12.70 | £26.48 |
| 50 | £30.88 | £79.15 |
| 55 | £50.50 | £133.76 |
From 5,700+ life insurance prices from leading UK insurers, 2026.
Income protection, example prices (January 2026)
The cheapest income protection we found costs more than twice as much at 50 as at 30
| Age | Cheapest monthly price |
|---|---|
| 30 | £28.05 |
| 40 | £41.03 |
| 50 | £61.56 |
| 55 | £72.36 |
Example: non-smoker, £2,750 a month of cover (55% of salary), 13-week wait, paid until 65. Quotes on 14 January 2026.
2026 private dentist prices
A private dentist check-up typically costs £62, and a crown £750
| Treatment | Typical price |
|---|---|
| Routine check-up | £62 |
| New patient exam | £80 |
| White filling | £150 |
| Crown | £750 |
Within five miles, the dearest practice often charges three times the cheapest for the same everyday treatment. From 8,158 practices that publish private fees, August 2026.
Private operation prices (2024)
Private knee replacement surgery costs £15,138 on average
| Operation | Average fixed price |
|---|---|
| Cataract surgery | £2,953 |
| Hernia repair | £3,870 |
| Hip replacement | £14,412 |
| Knee replacement | £15,138 |
Prices from 35 private hospitals’ websites, August 2024.
