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How much does Bupa Health Insurance cost in 2024?

The average cost of a Bupa Health Insurance policy in the UK in 2024 costs between £30.39 and £39.80 per month. The current average age for people investing in Bupa health insurance in the UK has dropped dramatically in recent years from 40 to 33 years of age, which also means that the average cost has reduced.

More people than ever before are taking out health insurance to avoid NHS waiting times and to get the best healthcare for their family. The most common question that consumers ask about Bupa is ‘how much does Bupa health insurance cost?’. Bupa is still considered to be the top health insurance brand in the UK and is considerably more well-known than its competitors, but that doesn’t mean that it’s the most expensive.

In our latest Bupa review, our insurance experts look at the average cost of Bupa health insurance for individuals, couples, and families across the UK in 2024. Health insurance is as much about the quality of your cover as it is about how much you spend each month, so you should also consider which policy benefits are most important to you.

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60-Second Summary – How much does Bupa health insurance cost in 2024?

This Bupa health insurance guide aims to provide context and offer guidance for the cost of Bupa health insurance policies in 2024. Here, our health insurance experts explain how these prices are calculated and give real-life examples for various scenarios and options.

As of 2024, the average price for a Bupa health insurance policy is around £30.39 to £39.80 per month for individual health insurance. This won’t necessarily be the exact price that you pay, and policies like couples or family health insurance will usually cost more than this.

  • Bupa couples health insurance will cost between £36.92 to £47.72 on average (based on a 30-year-old couple).
  • The average cost of Bupa family health insurance is around £42.13 to £52.44 per month for a family of 4 with 2 adults and 2 children.
  • Easy ways to save money on Bupa health insurance include quitting smoking, choosing a lower level of cover or higher excess, and shopping around for the best and cheapest quotes.
  • The cost of Bupa health insurance will be similar no matter where you buy your cover, but many people find it useful to apply with the support of an experienced health insurance expert.
  • All average prices listed in this guide are intended as an indication of what you might pay, and the actual cost of your policy may be different. The price that you pay for health insurance is based on things like your age and the area you live in (postcode).

Our latest independent market research found that the average cost of Bupa health insurance in 2024 is between £30.39 – £39.80 per month. We compared the current premiums against last year’s pricing, with all premiums being generated from Bupa’s live pricing systems.

Various factors will affect how much you pay for your Bupa health insurance policy, with the main ones being your age, your postcode, and whether you are a smoker or non-smoker.

The tables below are to help illustrate the cost of Bupa health insurance for a range of different ages and different types of cover (Comprehensive vs Treatment and Care). These tables are for illustration purposes only and prices will vary depending on your own circumstances or requirements.

Quote criteria: Person/people of an age that are non-smokers and quotes are based on ‘moratorium’ underwriting (no medical questions) with a North East postcode. All the quotes below were produced by our team of health insurance experts in 2024 for a Bupa health insurance policy with ‘Extended’ hospital list, £500 Excess, Full Cancer Cover, and an Outpatient Limit of £500.

Price Comparison – Bupa Individual Health Insurance

Age of applicantBupa By You Treatment and Care Monthly PremiumBupa By You Comprehensive Monthly Premium
25£17.74£21.53
30£19.43£25.11
35£21.52£27.98
40£26.39£33.15
45£32.04£38.96
50£39.70£48.37
55£46.20£57.13

Bupa Treatment and Care Policy Summary – CLICK HERE
Bupa Comprehensive Health Insurance Policy Summary – CLICK HERE

The table above clearly shows how affordable and reasonable Bupa health insurance premiums are for standard cover. We benchmarked these costs against all of the top health insurance providers and Bupa consistently appeared as one of the Top 3 cheapest insurers.

Every health insurance provider has its own specific pricing structure which is based on several elements. Bupa health insurance pricing is the same as the main health insurance providers in terms of its pricing, with a few unique Bupa options. Bupa have published this video on their website and YouTube channel to help explain the way that they work out their health insurance pricing to their customers.

Bupa By You health insurance | How is my price calculated?

The cost of Bupa health insurance per month is very similar regardless of where you buy your cover from, so it’s important to get good quality advice and service.

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Bupa Health Insurance Case Studies

Below, our health insurance specialists have listed details of several real Bupa health insurance policies that our team has helped with within the last 12 months. We hope these examples can offer a rough idea of how much you might pay for your cover, though prices will vary based on your own situation.

Applicant detailsMrs B. lives in Scotland and was born in 1982.
Other applicant detailsMrs B. wanted cover for herself, and her 3 children (born in 2000, 2004, and 2013).
Oldest child vapes, but all other applicants are non-smokers.
Cover requirementsFamily health insurance
Comprehensive cover (£500 outpatient limit)
Full cancer cover
Hospital list – Essential Access with Guided Care
£100 excess for claims
Monthly premiums (£s)£77 per month
(£19.25 per person)
Moratorium underwriting

Applicant detailsMr B. lives in London, was born in 1992, and is a non-smoker.
Health details and informationMr B. wanted cover for himself, and his 2 children (born in 2019 and 2021).
Cover requirementsFamily health insurance
Comprehensive cover (£500 outpatient limit)
Full cancer cover
Hospital list (Mr B’s children)  – Extended Choice with Central London
Hospital list (Mr B) – Essential Access with Guided Care
£100 excess for claims
Monthly premiums (£s)£73.82 per month
(£24.60 per person)
Moratorium underwriting

Applicant detailsMr I. lives in Manchester, was born in 2001, and is a non-smoker.
Health details and informationMr I. wanted an individual Bupa health insurance policy.
Cover requirementsComprehensive cover (£750 outpatient limit)
Full cancer cover
Hospital list – Essential Access with Guided Care
£100 excess for claims
Monthly premiums (£s)£30.51 per month
Moratorium underwriting

Applicant detailsMiss T. lives in the West Midlands, was born in 1977, and is a non-smoker.
Health details and informationMiss T. wanted an individual health insurance policy.
Cover requirementsComprehensive cover (£500 outpatient limit)
No cancer cover
Hospital list – Essential Access with Guided Care
£200 excess for claims
Monthly premiums (£s)£45.86 per month
Moratorium underwriting

Currently, the average cost of Bupa health insurance for couples is between £36.92 and £47.72 for a 30-year-old couple including the Bupa 5% discount. These estimates are purely for illustration purposes, Bupa health insurance costs can vary depending on your home address and your circumstances.

Note: Bupa health insurance for couples includes a discount of 5% for a joint policy compared to paying for two separate policies. Both applicants must live at the same address to be eligible.

Age of applicantBupa By You Treatment and Care Monthly PremiumBupa By You Comprehensive Monthly Premium
25£33.68£40.88
30£36.92£47.72
35£40.90£53.16
40£50.16£62.98
45£60.88£74.04
50£75.42£91.90
55£87.78£108.56

Our latest independent research shows that Bupa health insurance premiums for couples were consistently one of the cheapest on the market for 2024. Bupa’s couples health insurance discount provides customers with lower premiums than most of its competitors.

The average cost of Bupa health insurance for families in the UK in 2024 is between £42.13 for Treatment and Care cover and £52.44 for Comprehensive cover.

Bupa family health insurance is very competitively priced compared with other top health insurance providers. Our illustrations are generated from the Bupa live pricing system and will be accurate for standard cover with no additional benefits or cover options. Premiums can vary depending on your own circumstances and requirements.

Note: The table below uses an example of a family of 4 with 2 adults (non-smokers) and 2 children of the ages of 5 and 8 years old. Premiums shown in the table below also include the 10% discount that is applied for Bupa family health insurance.

Age of applicantBupa By You Treatment and Care Monthly PremiumBupa By You Comprehensive Monthly Premium
25£39.07£45.96
30£42.13£52.44
35£45.87£57.60
40£54.63£66.94
45£64.83£77.38
50£78.63£94.30
55£90.33£110.08

Our health insurance experts found that Bupa health insurance for families was one of the best cover options that was available and consistently one of the cheapest.

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Getting the best and lowest premiums for your Bupa health insurance can help to make your policy more affordable for you and your family. You should carefully consider all of your options and what you actually want from your Bupa health insurance policy to make sure that your cover is suitable.

Top tips to save you money on your Bupa health insurance:

  • Your age: As you can see from the tables above, health insurance premiums are almost always cheaper for younger people. If you buy cover when you are young, you benefit from lower prices and can often build up no claims discount to keep costs down.

  • Smoker status: If you smoke then you’ll often pay more for Bupa health insurance because of the extra health risks connected to smoking or vaping. By quitting smoking, you can reduce the cost of your health insurance and improve your health at the same time.

  • Medical underwriting: People with a pre-existing or chronic medical condition can opt for moratorium underwriting to potentially reduce their Bupa health insurance premiums.

  • Speak to your employer: If you’re employed then you could speak to your employer to see whether they would be happy to set up a company scheme. Group health insurance schemes are often cheaper than personal health insurance.

  • Shop around: There are several major health insurance providers and lots of options other than what is offered by Bupa health insurance. It’s worth comparing cover and premiums with several of the other main insurance companies to see whether Bupa’s price is competitive.

  • Speak to a health insurance specialist: By getting proper advice from a health insurance specialist, you can easily and quickly compare Bupa health insurance premiums with the other top insurers.

We always recommend comparing several health insurance quotes to make sure that you get the very best cover at a ‘fair price’. Bupa is one of the top and most well-known health insurance providers, but that doesn’t always mean that it’s the best option for you.

If you need help or advice, then you can speak to one of our friendly specialists on 0800 009 6559 or CLICK HERE to fill in our online form.

Note: We do not sell your data to health insurance brokers and we’re a Bupa health insurance specialist ourselves, so our experts are ideally placed to help you and your family.

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What is the average cost of health insurance UK?

One of the top questions that people ask about health insurance is, ‘how much does it cost on average per month?’. According to recent research taken in 2023, the average cost of a health insurance is £86 per month for a standard personal protection policy. Health insurance policies can vary dramatically based on your age and the type of cover that you need, as well as which insurance provider you choose.

Most core health insurance policies will provide a similar level of protection and coverage for private medical treatments. You can tailor your health insurance policy to suit your needs and your budget by changing the benefits and levels of cover that you receive.

Is health insurance worth it?

Health insurance is the same as most other personal protection policies that you can buy, it is down to your own personal preference and attitude to risk. The other major issue is whether you can afford to pay for health insurance every month because it can be expensive.

If you ever need to claim on your health insurance policy then the benefits can be life changing and even lifesaving. The medical treatments and care that is provided by the NHS in the UK is among the best in the world, especially for chronic illness. Unfortunately, it is a well-known fact that the NHS is struggling to meet demand and that the levels of private medical treatment are generally far superior to public health treatments.

Example: If you needed knee surgery then you would have to wait for months or even years on the NHS, whereas private health insurance will give you access to better treatment, leading specialists, and within weeks usually. Rehabilitation and therapies cover that are also provided by most health insurance policies can be invaluable, especially if you are self-employed for example.

Is private health insurance better than the NHS?

Currently, the biggest issue with the NHS is the waiting times for any consultations and access to treatments, because of how stretched its resources are. The NHS provides some of the best care in the world for chronic illnesses and diseases, such as diabetes, MS, epilepsy, and asthma.

Health insurance is designed to complement and support the treatment that you can receive on the National Health Service, as well as giving you access to specialists for other medical issues such as musculoskeletal issues and cancer treatment, which are also the top reasons for claims on health insurance cover.

The main issues with NHS treatment currently and reasons for people taking out health insurance:

  • Long waiting lists for consultations, results and treatment
  • Overcrowded hospitals
  • Lack of beds
  • Shortages of NHS nurses and doctors
  • Some treatments not available (especially cancer treatments)
  • Specialists only available on private health insurance
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What is the best health insurance UK?

There are lots of different policy options when considering health insurance as well as your choice of several main insurance providers. The other consideration is whether you don’t take out health insurance and opt for receiving treatment on the NHS or paying for treatment yourself as and when you need it.

We’re constantly reviewing the top health insurance companies in the UK to find out which provide the best service, value, products and treatments. Based on our most recent reviews we suggest the following as the best health insurance UK 2023:

  1. Aviva Healthcare Solutions (Trustpilot score: 4.1 out of 5.0)
  2. BUPA Health Insurance (Trustpilot score: 4.0 out of 5.0)
  3. Vitality Personal Healthcare (Trustpilot score: 3.9 out of 5.0)
  4. Exeter Health+ (Trustpilot score: 4.4 out of 5.0)
  5. AXA PPP (Trustpilot score: 4.1 out of 5.0)
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Best Private Health Insurance 2023 - iam|INSURED

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