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As seen in:

2026 health insurance prices

Compare your renewal with 2026 prices

Choose your age to see what new customers pay on average today. If your renewal is well above this, it’s worth checking what you could pay. Your own price will depend on your circumstances and the cover you choose.

Basic cover£60.84a month

Comprehensive cover£96.34a month

Based on 11,770 new-policy quotes from seven insurers, March 2026. Comprehensive includes outpatient cover (up to £1,000) and therapies.

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Can you switch and avoid new exclusions?

Avoiding new exclusions often matters as much as saving money, especially for over-50s. When you compare, you’ll be in one of three positions:

Free to switch
You can switch to a new insurer without adding new exclusions.
Low risk
You’d need to be re-underwritten, but because you’re in good health, the risk of new exclusions is low.
Best to stay
Moving would add new exclusions, so staying put is usually the better option.

A few cases don’t fit neatly, but the choice is always yours.

Check if I can switch

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Check you’re with the right insurer in three easy steps

Share your current policy

Tell us a little about you, your requirements, your current cover and your renewal price.

Compare quotes with your renewal

Get personalised quotes from leading insurers and see how they compare with your renewal.

Get advice before you decide

Speak to an experienced broker we vet, monitor and trust, and get free, no-obligation advice.

Why not just go direct to an insurer?

Going direct can seem simpler, but an insurer can only quote its own policies. Comparing through myTribe puts leading insurers side by side, with free advice on the differences in cover.

What you get through myTribe, compared with going direct to insurers
What you get	Through myTribemyTribe	Going directDirect
Quotes from leading UK insurers	Yes	No
Benefits and discounts not always offered direct	Yes	No
An impartial view of each insurer	Yes	No
A recommendation that fits your needs	Yes	No
Honest advice on whether to switch	Yes	No
Support for years after you buy	Yes	No

More reasons to compare through myTribe

Help choosing the right cover, with your underwriting options explained in plain English.
No extra cost. Prices are the same as, or better than, going direct.
Brokers you can trust. Experienced, monitored and vetted by us.
Free, with no obligation. No insurer can pay us for placement. If you buy, we receive a fee that doesn’t change your price.

Check if I could save

Join thousands who have found the right health insurance through myTribe

Our insurance information and comparison service is rated Excellent on Google from 171 reviews as of 12th October 2026.

Reviews

Compare my renewal

I found the advice I was being given, and therefore the product I ended up opting for, better matched my needs and came in around £600 less per year!

Simon Wright

I got a quote after my annual renewal went up by almost 45%. They pointed out problems with my old policy that would have stopped me making a claim. I got the cover I needed, without paying for something I could never use.

Keith N

Looking for a health insurance comparison quote and a smooth switch to a better value policy? myTribe saved me almost £1,000 on my annual renewal

Ivan Klimes

Amazing! I found the whole experience of switching healthcare provider reassuring and hassle free. I regret not switching a few years ago. I would have saved a five figure sum if I had.

123 Tuition

I found the information on the myTribe website very helpful, and my options were explained very clearly. I’m now moving to a different provider, on a better policy, at a much reduced premium.

Anne AE

Absolutely straightforward experience. The lesson? NEVER accept a renewal quote without shopping around!

Frannie B

I got a quote after a poor experience with my existing health insurer. They understood exactly what I was looking for and recommended a policy that meets my needs and is more cost effective than my old one. Switching was made easy. Excellent service, thank you!

Wend

Following the advice we were given, we switched our health insurance and got more cover for a cheaper premium. Very happy with the service and the outcome.

Dave Curtis

Extremely helpful with my private health insurance, and quick to answer my complex questions. The research saved me several hundred pounds when I went back to my current insurer.

Barbara Harris

I was really pleased with the advice and support we got relating to our health insurance enquiry. We have subsequently purchased a policy that was cheaper and with a reputable firm than we were originally going for based on our own enquiries, so thank you!

Lisa Reynolds

Why health insurance premiums tend to rise each year

Lots of things can affect your renewal price. These are three of the most common:

Your base price rises

Getting older and rising treatment costs can increase the price before discounts, even if you haven’t claimed.

Claims can hit your discount

Some claims can reduce your no-claims discount (NCD), which can lead to bigger premium rises at renewal.

Your discount can stop growing

Claim-free years build your NCD, but once it reaches the maximum, price rises can feel steeper.

Been with the same insurer for years?

Loyalty doesn’t guarantee a good price. Comparing gives you either a reason to stay or a reason to move.

Our independent ratings of the top 10 UK health insurers

We’ve rated ten leading UK insurers out of five. Open any row to see its strengths and weaknesses.

Bupa

myTribe rating: 5.0 out of 5

Strong mental health and GP cover; a shared outpatient limit reduces flexibility.

Policy reviewed: Bupa By You Comprehensive

Strengths

Mental health treatment can stay covered when a condition becomes long-term.
Private GP appointments, a dental allowance and routes to care without a GP referral.
Each member has their own no-claims discount, with a £300 claims threshold.

Weaknesses

Consultations, tests and therapies share one outpatient allowance.
Policy documents are harder to navigate than some competitors’.

Get my personalised comparison

WPA

myTribe rating: 5.0 out of 5

Flexible benefits and strong customer feedback; more complex terms and stricter checks from age 66.

Policy reviewed: WPA Complete Health

Strengths

Separate allowances for consultations, tests, therapies and mental health.
A broad hospital choice, with freedom to choose your consultant.
Fast-track routes for cancer, skin concerns and physiotherapy.

Weaknesses

New applicants aged 66 and over face broader medical-history questions.
Policy terms are more complex than most.

Get my personalised comparison

The Exeter

myTribe rating: 5.0 out of 5

Protective no-claims discounts and clear terms; a GP referral is needed for every claim.

Policy reviewed: Health+

Strengths

Each member has their own no-claims discount; claims under £300 leave its level unchanged.
The option to keep diagnostic cover separate from consultations.
GP, physiotherapy and mental health support through the HealthWise app.

Weaknesses

A GP referral is required for claims, with no direct-access routes.
No dental or optical cashback.

Get my personalised comparison

Vitality

myTribe rating: 4.5 out of 5

Good treatment access and wellness benefits; shared claims thresholds can affect other members’ premiums.

Policy reviewed: Personal Healthcare

Strengths

Physiotherapy and talking therapy sessions without a GP referral.
Healthy habits and engagement can influence your renewal premium.
Its virtual GP can refer you for specialist treatment.

Weaknesses

A child’s claim can affect the whole policy’s premium.
Recurring mental health conditions may be treated as chronic and excluded.

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Aviva

myTribe rating: 4.5 out of 5

Many ways to manage cost and no upper joining age; claims can cut your discount sharply.

Policy reviewed: Healthier Solutions

Strengths

A choice of excesses, outpatient limits and an NHS wait option to manage cost.
No maximum joining age.
Each member has their own no-claims discount.

Weaknesses

Any claim over £250 drops your no-claims discount three levels, regardless of size.
Reducing outpatient cover also limits some hospital benefits.
Three claims for the same mental health condition trigger a chronic-condition exclusion.

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AXA Health

myTribe rating: 4.5 out of 5

Flexible cover choices and a shorter look-back for some past conditions; stricter exclusions for others.

Policy reviewed: AXA Health Plan

Strengths

Each member can choose from four blocks of cover.
A three-year medical-history look-back for many conditions, rather than the usual five.
Physiotherapy and osteopathy without a GP referral, up to ten sessions.

Weaknesses

Previous cancer is excluded regardless of how long ago it occurred.
A five-year look-back still applies to certain conditions, including diabetes and mental health.
This plan is mainly sold direct by AXA, so it may not appear in every comparison.

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Freedom

myTribe rating: 4.5 out of 5

Postcode-free pricing and strong hospital mental health cover; less clear rules on renewal increases.

Policy reviewed: Elite

Strengths

Your postcode does not affect the price.
Up to 45 days of inpatient mental health treatment.
Complex diagnostic scans are covered in full as standard.

Weaknesses

No traditional no-claims discount or published rules on how claims change renewals.
No consultant fee agreements, so specialist charges could leave a shortfall.
Maximum joining age of 70.

Get my personalised comparison

Saga

myTribe rating: 4.0 out of 5

Over-50s focus and strong mental health cover; a less forgiving no-claims discount.

Policy reviewed: Health Plan (Secure & Super)

Strengths

Designed for over-50s, with no maximum joining age.
Bupa-backed cover includes mental health and direct-access routes for certain concerns.
A three-year medical-history look-back and a four-week NHS wait option.

Weaknesses

Each claim drops the no-claims discount two levels, with no annual cap on the fall.
The discount applies to the whole policy, rather than each person.
No couples discount; excess payments also reduce benefit allowances.

Get my personalised comparison

National Friendly

myTribe rating: 4.0 out of 5

Simpler switching and renewals unaffected by your own claims for five years; limited mental health cover.

Policy reviewed: My PMI (Levels 3 & 4)

Strengths

Your own claims do not affect renewals during the five-year contract; inflation and membership claims still can.
Accepts new members up to age 85.
Switching questions do not include lifetime ‘have you ever’ questions.

Weaknesses

Mental health cover is limited to ten outpatient sessions, with no inpatient treatment.
Few options to reduce the premium.
Four levels of cover make the policy documents harder to navigate.

Get my personalised comparison

General & Medical

myTribe rating: 4.0 out of 5

Unusual benefits and options for some existing conditions; weaker treatment access and renewal transparency.

Policy reviewed: Elite

Strengths

Optional cover for up to two listed pre-existing conditions, with limits of £1,000 each a year.
Extra benefits include a critical illness cash payment and pet boarding allowance.
A choice of hospital list or guided consultants.

Weaknesses

No traditional no-claims discount or published rules on how claims affect renewals.
An NHS GP referral is needed; the virtual GP cannot refer you to a specialist.
Several benefits have waiting periods, including six months for mental health treatment.

Get my personalised comparison

Compare my renewal

New to health insurance? Get my quotes

These are myTribe’s expert ratings for the policies named in each expanded row, informed by policy analysis and customer reviews. Benefits, exclusions and eligibility vary. Not every insurer may be available in your comparison.

See our full reviews of all ten insurers (opens in a new tab)

Make sure a cheaper quote isn’t a compromise

A lower premium can come with different cover or a higher excess. Check these four details against your current policy before you switch.

Keep cover for existing conditions: Check your current conditions would still be covered, and ask about any new exclusions.
Keep the hospitals you want: Check your preferred hospitals are included, and whether you can choose your specialist.
Check what you’d pay to claim: Compare excesses and limits on tests and treatment. A lower premium can mean paying more yourself.
Check how claims affect renewals: Ask how a claim would change your no-claims discount, and whether you can protect it.

If a cheaper quote means losing cover you value, staying put may be the better choice.

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Frequently asked questions

How can I tell if I’m overpaying?

Compare your renewal with fresh personal quotes for the benefits you want. Our research averages give you a starting point, but a higher premium alone doesn’t prove you’re overpaying: the cover, excess and policy terms may differ.

Can I save without reducing my cover?

It may be possible, but savings and matching cover aren’t guaranteed. When you compare, check the benefits, limits and terms that matter to you, not just the price.

How do I find the best policy for me?

Start with the care you want access to and the budget you’re comfortable with. Then compare benefits, hospitals, cover limits and the excess alongside the premium. The right policy is the one that fits your needs, rather than simply the lowest price.

Will I get the new customer prices shown here?

Not necessarily. These are average quotes from our March 2026 research, not offers or a promised saving. Your age, postcode, medical history and chosen cover affect your own quotes. Use the figures as a guide, then get a personal comparison.

Can I switch without new exclusions?

It may be possible, but it depends on your medical history and the new insurer’s underwriting terms. Check which conditions covered by your current policy would remain covered, and get any new exclusions explained. Keep your current policy in place until the new terms are confirmed.

Is the comparison free, and do I have to switch?

Our introduction service is free, and there’s no obligation to buy or switch. We introduce you to a broker who discusses your requirements and provides quotes. We may receive commission from that broker. They’ll explain their service and any costs before you go ahead.

Don’t renew without checking your options

Find out whether you could pay less for the health insurance cover you need. Free, with no obligation.

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Check if I could save

Find out if you could pay less for private health insurance

Compare your renewal with 2026 prices

Can you switch and avoid new exclusions?

Check you’re with the right insurer in three easy steps

Share your current policy

Compare quotes with your renewal

Get advice before you decide

Why not just go direct to an insurer?

More reasons to compare through myTribe

Join thousands who have found the right health insurance through myTribe

Why health insurance premiums tend to rise each year

Your base price rises

Claims can hit your discount

Your discount can stop growing

Been with the same insurer for years?

Our independent ratings of the top 10 UK health insurers

Bupa

WPA

The Exeter

Vitality

Aviva

AXA Health

Freedom

Saga

National Friendly

General & Medical

Make sure a cheaper quote isn’t a compromise

Frequently asked questions

Popular health insurance guides

How to manage your health insurance renewal

Average cost of private health insurance in the UK

The best private health insurance in the UK