How to get the best health insurance in London in 2026

Watch: How private health insurance works

Here’s a short video explaining how private health insurance works.

Critical considerations for those living in London

Here are a few things to consider before you take out health insurance, including some that are particularly relevant if you live in London.

What level of cover do I need?

Most policies will only include inpatient and day-patient care in their core cover, so your premiums will be higher if you want to add any optional extras.

Outpatient healthcare isn’t typically included as standard, but adding it gives you the full benefits of private medical insurance. Outpatient cover gives you quick access to treatment. If you fall ill, you’re much more likely to need diagnostic tests or an appointment with a physiotherapist than to be admitted to the hospital.

Choose between guided consultants and unrestricted access

You have a choice of consultant wherever you’re treated. Most leading insurers have a guided consultants list with pre-approved providers when you’re treated privately. Choosing your specialist from this list made policies around 16% cheaper on average in our research, but it does limit your options.

Alternatively, you can opt for unrestricted access, which costs more but gives you more choice. Some smaller insurance providers offer it as standard, but you’ll need to pay more to get this from a larger insurer.

Hospital list

Every insurer has a hospital list, so you can choose where you’re treated. Some insurers have a network of private hospitals, while others have agreements with private and NHS hospitals to offer you more choice.

Some providers also have a premium list of hospitals which typically includes the hospitals where treatment costs are higher, such as in central London.

If you want to be treated close to home in London, consider adding a premium hospital list to your policy.

How much does health insurance cost in London?

Several different factors will influence the price of your health insurance in London. Here’s our roundup.

Postcode

Where you live will impact your premiums even within London. Most insurers quote based on your postcode. Therefore you could find yourself with a higher quotation than a friend elsewhere in the city.

Policy choices

The elements that make up your policy, including the level of cover, how many choices you want to have in where you’re treated, and which specialist you see, combine to determine your premium.

Age

It should be no surprise that health insurance costs more as you age, and you are more likely to experience ill health. Your premium is higher simply because you’re more likely to make a claim.

What could your monthly premium be?

We can’t tell you precisely what you’ll pay as the health insurance quotes you get will depend on your circumstances. However, our 2026 research found that private health insurance in London averages £104.93 a month, 27.2% more than the UK average of £82.53, based on 11,770 quotes from seven insurers in March 2026. We chose a standard hospital list and moratorium underwriting with a £250 excess.

Here’s what we were quoted per month in March 2026 for one person living in London, on average across basic and comprehensive cover:

• 20-year-old: £43.72
• 30-year-old: £58.25
• 40-year-old: £75.53
• 50-year-old: £102.45
• 60-year-old: £146.64
• 70-year-old: £219.34

Whilst this should only be treated as a guide, it should give you an idea of the premium you could expect. To find out how London compares against the rest of the UK, read our full guide: Average cost of health insurance in the UK.

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See 2026 prices by age, check if you can switch without new exclusions and compare leading UK insurers.

How to reduce the cost of health insurance if you live in London

If you’re worried that health insurance with the right level of coverage will be beyond your budget, we have good news. There are ways to reduce the cost of your health insurance but still get the cover you want.

1. Limit or remove your outpatient cover

Having outpatient cover is one of the best ways of experiencing the benefits of private medical insurance, but it can be expensive.

You could remove or reduce the cover limit to have an initial consultation and diagnostic tests but fewer private treatment sessions.

2. Opt for a higher excess

A health insurance excess works in the same way as an excess on your car insurance. Your excess figure is the amount you pay towards your treatment, once a year or each time you claim, depending on the insurer. That could be nothing at all or as much as £5,000 with some insurers - the higher your excess, the lower your premium.

3. Add a 6-week wait option

Health insurance can let you access treatment more quickly than on the NHS.

If you don’t need immediate treatment, a 6-week wait option lets you have private treatment only if the waiting time for NHS treatment is more than 6 weeks.

4. Compare providers every year

Comparing quotes could save you money when your health insurance renewal arrives.

It’s essential to check whether the quotes offer the same cover as your existing policy. While you can often switch providers and maintain your current terms and exclusions, that’s not always the case.

5. Look for a health insurer that assesses premiums differently

Insurance providers can vary in the way they assess premiums. Freedom Health Insurance doesn’t consider your postcode. Others may offer community-rated schemes that don’t examine individual claims to determine their renewal quotes.

6. Add your family

Some insurers offer couples’ policies or let you add your children for free. Some policies include family members from different households, which spreads the risk for your insurer and can lower your price.

What's typically covered by private health insurance?

Private medical insurance policies offer a combination of core cover and optional extras. Here are a few treatments that are usually provided as standard, plus a few that are typically only available as an optional extra.

Inpatient treatments and day-patient care

Almost every private health insurance plan covers you if you need to be admitted to a hospital or go to a day unit for treatment.

Cancer cover

Cancer will affect 50% of us during our lifetime, which is why cancer cover is vital to every provider’s private health insurance policies. You’ll typically be covered for surgery, radiotherapy and chemotherapy, while some insurers offer alternative treatments, nursing care and support services.

You can also add cover for services such as stem cell therapy or genetic testing.

Digital and virtual GP services

A virtual GP appointment can give you advice on straightforward medical issues, often 24/7. Some can also issue a private prescription.

Most providers have a virtual GP service, either in the form of an app, telephone or online appointments.

Rehabilitation

Inpatient cover includes rehabilitation, but generally only if you need it after surgery.

It won’t usually be covered if you need chiropractic treatment, osteopathy or physiotherapy.

Optional extras

Private health insurance can be tailored to your needs. Here are a few of the things that you could be offered.

Outpatient cover

Outpatient cover gives you access to private healthcare when you don’t need to be admitted to a hospital. It can include rehabilitation, tests and consultant appointments.

One of the main advantages is getting a specialist diagnosis and starting treatment quickly. This can be crucial if you have a condition that benefits from early intervention.

Alternative therapies

Private medical insurance can give you access to treatments that aren’t typically available on the NHS. However, if you want to have the option of alternative therapies such as acupuncture, you’ll need to add them as an optional extra.

Additional treatment sessions

Your health insurance policy may limit the number of treatment sessions covered, but you can opt to increase this if you think it’s needed.

Dental cover

If you pay for private dental care and don’t qualify for free treatment, you could save money by including it in your insurance. Dental cover usually includes routine checkups and treatment. Some policies also cover dental emergencies abroad.

Optical cover

Dental and optical cover usually go hand-in-hand. Optical cover can fund your regular checkups, glasses, and contact lenses if you need them for the first time or if your prescription has changed.

Mental health care

Many insurers offer mental health support, such as a 24-hour helpline or self-care information.

However, if you need specialist psychiatric treatment or inpatient care, you’ll usually need to add mental health cover, although some insurers, such as Aviva and Saga, include some as standard.

Check the small print

Each health insurer offers core cover and a package of optional extras, which can vary more widely than you might imagine. Before you choose your policy, check exactly what’s included.

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What's excluded?

Health insurance lets you access private healthcare for acute conditions, which means some illnesses aren’t covered. Some will be standard exclusions, while others are based on your medical history.

Here are the types of exclusions you can expect to come across.

Chronic conditions

A chronic condition is anything that needs ongoing care and management, so your NHS GP or consultant typically monitors them. It includes conditions such as:

• Diabetes
• Asthma
• Cystic fibrosis
• High blood pressure

Pre-existing medical conditions

Your private health insurance only covers treatment for symptoms that started after you started the policy, so pre-existing conditions are excluded. These are any illnesses you had symptoms, treatment or advice for, usually in the five years before you took out the policy.

However, pre-existing conditions aren’t necessarily excluded forever. With moratorium underwriting, your insurer may add cover once you’ve gone two continuous years on the policy without symptoms, treatment or advice for the condition.

Underwriting and pre-existing conditions

Choosing the type of underwriting you have on your policy can help you to get a better deal on your private health insurance. The two main types are moratorium underwriting and full medical underwriting.

With moratorium underwriting, conditions from the five years before you took out the policy (three with some insurers) are excluded until you’ve gone two continuous years without symptoms, treatment or advice for them. With full medical underwriting, any exclusions are listed on your policy from the start.

Moratorium underwriting

Moratorium underwriting is the simplest type of underwriting to set up. Your insurers won’t ask for details of your medical history when you first take out the policy, but it may take them longer to process your claim because they’ll need to check your medical records to make a decision.

Full medical underwriting

Full medical underwriting gives you more certainty about what’s covered and excluded from the outset. You’ll be asked to complete a medical history questionnaire so your insurer can confirm any exclusions from the start.

With full medical underwriting, claims are generally dealt with more quickly, as your insurer has already checked your medical history.

Other exclusions

Every insurer has a standard list of exclusions. These typically include:

• Addiction treatments and rehabilitation.
• Surgical and non-surgical cosmetic and weight loss treatment.
• Pregnancy and maternity. Some insurers do cover pregnancy-related complications.

This isn’t an exhaustive list, so checking your chosen insurer’s standard exclusions is essential. Some have minimal exclusions whilst others have a longer list which may include something vital to you.

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NHS waiting times

Across England, NHS England figures show 7.4 million cases were waiting to start treatment at the end of August 2026, and 113,339 of those had waited more than a year. Living in London gives you a thriving job market and all the arts and culture you could want, but private healthcare comes at a price: if you’re looking for health insurance, you could pay more simply because you’re in London.

How much does private treatment cost?

Private health insurance can fund private treatment, but it’s not the only option. You can still access private healthcare without insurance. To give you an idea of what it might cost, we’ve looked at the prices to see a private medical consultant and the typical cost of surgery in London.

The average cost to see a private medical consultant in London (August 2022)

Our research showed that the fee for a private consultation with a medical specialist ranges between £99 and £400 depending on their specialism. These fees are, on average, 27% higher in London than elsewhere in the UK.

The highest costs are for psychiatric treatment, with an initial consultation fee of £400. An appointment with a haematologist will cost £300 on average, while seeing a private physiotherapist will set you back just £99.

The majority of private specialist consultations cost between £150 and £250. Here’s what you can expect to pay:

• Cardiologist - £250
• Dermatologist - £250
• Gastroenterologist - £250
• Gynaecologist - £200
• Oncologist - £200
• Rheumatologist - £225

*based on five quotes from each type of consultant across London in August 2022.

How much does private surgery cost for Londoners?

The surgery prices in this section are UK-wide self-pay prices from our November 2026 research into prices published by 265 UK private hospitals, rather than London-only figures. They include the first consultation.

If you’ve already seen your GP and had specialist consultations, you can request a referral letter to go private for your surgery. To better understand what you might expect to pay, we’ve looked at the average cost of some common procedures across the UK in our November 2026 private surgery research.

What influences the cost of private surgery?

Many factors will affect how much you’ll pay for private surgery, including the complexity of the procedure and the fact that private hospitals in central London have higher overheads and wages than other areas of the UK.

Average surgery costs

Wherever you live, the fees for private surgery depend primarily on the type of operation you need.

On average, complex surgeries such as hip, knee or shoulder replacements cost between £13,339 and £16,467.

The average cost of a hysterectomy is £9,129. If you need to see an orthopaedic surgeon, you can expect to pay from £8,543 to have your ACL reconstructed, whilst a carpal tunnel release comes in at £2,680.

Lower-risk procedures such as a colonoscopy or tonsillectomy cost somewhere between £2,894 and £3,328.

These figures should only be treated as a guide, and the actual amount you pay could be lower or higher.

How to pay for private surgery and consultations

As you can see, the price for private treatment is potentially significant. There are a few different ways to pay.

Self-pay

Self-pay is the most straightforward option if you can pay the full amount for your appointment or surgery from your savings. You can pay in full or make an initial payment to confirm your treatment appointment and settle the balance later.

Medical loan

A medical loan can help if you can’t make a lump sum payment but can pay over a few months. Many healthcare providers have partnerships with finance companies that offer specialist medical loans with 0% interest for the first few months.

Private medical insurance

If you had a private medical insurance policy before you developed symptoms, it might cover the costs of your treatment unless it’s excluded from your policy.

You can contact your insurers to make a claim, and they’ll check whether your treatment is covered.

We hope this guide has given you some food for thought about the type of health insurance you need. To find out more about how much your health insurance policy could cost in London, compare quotes with myTribe.