Making health insurance more affordable
Private health insurance doesn’t have to be expensive. There are ways you can adapt your cover to make it more affordable
7 ways to reduce health insurance costs
If you’re choosing health insurance but are interested in keeping it low cost, you can adapt your cover to suit your budget and your needs.
But remember a more affordable health insurance plan might not provide all the cover you need, so don’t base your choice on cost alone.
Understand your individual needs
Think about what cover you or your family need. Then compare health insurance policy options and get quotes. Check what benefits are included so you can find health insurance that offers the right cover for you.
Increase your excess
An excess is the amount you agree to pay towards the cost of treatment you receive. You only have to pay the total amount of your excess once per year, even if you make more than one claim. Agreeing to a larger excess can reduce the cost of your monthly payments. Although you will have to pay this amount if you need treatment. Learn more about health insurance excess.
Keep up a healthy lifestyle
Reduce optional extras
Select the most appropriate hospital network for you
Choose the right out-patient care allowance for you
Look out for multi-person discounts
Can you get affordable health insurance if you’re self employed?
When you’re self-employed you may be eligible to deduct the premiums you pay for certain benefits (including health insurance) as it can be classed as a business expense and therefore eligible for tax relief.
If you qualify, the deduction for your self-employed health insurance premium is a valuable tax break, helping you pay a portion of your health insurance premium – saving you money.
For more information, please visit the HMRC website
What are the alternatives to health insurance?
Pay as you go private healthcare is an alternative to health insurance.
You won’t need to make monthly payments. You just pay for the care you need, when you need it, or choose to use the NHS.
See our other guides on health insurance
How does private medical insurance work?
See answers to some common questions about how health insurance works.
How to choose health insurance
Knowing what to look for in a policy will help you choose the right cover for you.
Health insurance cost
Find out how much health insurance costs and what you get for your money.
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^ We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm.
Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: 1 Angel Court, London EC2R 7HJ
