SmartQuote

Let's personalise your comparison

Enter your age, then tell us your location and smoker status to get started.

Your age Location

Do you smoke or use nicotine products?

No Yes

Before we compare...

Are you already covered by private health insurance?

No – I'm looking for new cover We'll calculate an indicative monthly premium based on your answers. Yes – I already have cover We'll prepare a personalised comparison against your current policy.

SmartQuote

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Preparing your comparison

We're tailoring the next step based on your answers.

Reviewing your details

Matching your requirements

Analysing the market

Gathering providers

Your guide price

Based on your age and where you live, here is what cover typically costs.

Most people like you pay

£-- – £--

a month

Answer the two optional questions below to narrow this down.

Optional: narrow this down

Who picks your consultant and hospital?

Not sure yet Happy for the insurer to I want my own choice

How much would you pay towards a claim?

Not sure yet As little as possible A few hundred £500 or more

Why is the range so wide?

Insurers price the same person very differently. Some rate your postcode heavily, one on our panel ignores it completely. Good-health discounts run from nothing to 15%, and each takes its own view on your medical history. Two people with identical details can be hundreds of pounds a year apart depending purely on who they applied to. That is why the only way to know your exact figure is a personalised quote, which takes a minute and costs nothing.

How this guide price is calculated

SmartQuote is Compare My Health Insurance's own 2026 guide price model. It is calibrated at individual insurer level against independent UK market research covering over 11,000 quotes from seven insurers, gathered in March 2026, and validated against live insurer quotations. Prices are interpolated by exact age between market anchor points at ages 20, 30, 40, 50, 60 and 70, then adjusted for region and nicotine use. The range spans the most competitive insurer on a guided consultant list at the lower end, through to the most expensive insurer with your own choice of consultant at the upper end. Figures above age 70 are extrapolated, as the source research stops at that age.

Assumptions: a single adult taking out cover for the first time, moratorium underwriting, £250 excess. Your own premium depends on your postcode, chosen excess, insurer, medical history and level of cover. A guide price is not a quotation and does not constitute advice.

Last reviewed July 2026, next scheduled review January 2027. Compare My Health Insurance is a comparison service operated by CMHI Ltd, ICO registration ZC140435, working with FCA regulated partners. Read the full cost methodology.

SmartQuote

Renewals

Great, you're already covered.

Before we compare your renewal, we'll gather a few details about your current policy so your SmartQuote can be tailored properly.

Price Beater Promise We'll compare your renewal against leading UK insurers.

If you haven't claimed within the past year, our partners will do everything they can to beat your current premium. If your current policy is already competitive, they will tell you that too.

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DID YOU KNOW?

You don't have to wait until your renewal to switch. Health insurance policies can be switched at any time and with no early cancellation charges.

Tell us about your current policy

Who is your current insurer?

⌾

When does your policy renew?

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Approximately what do you currently pay?

£

Are you currently claiming?

No Yes

Current claims

Current claims may affect which insurers are available for comparison.

Would you like to continue your existing medical underwriting?

Yes No Not sure

Continuing your existing medical underwriting

To compare insurers that allow you to continue your existing medical underwriting, we may need to ask a few additional questions before preparing your comparison.

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Great news.

There's a strong chance your current policy can be improved on.

0 insurers available

We're now putting together your personalised comparison.

What level of cover are you interested in?

First name Last name Email address

We will not use your information for any other reason than for the purpose of this comparison.

Enter your name and email above to continue.

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Intelligent Health Insurance Comparison

Finalising your SmartQuote

Your enquiry has been received successfully. We're now preparing your comparison and getting everything ready.

Enquiry received

Gathering quotes

Creating your SmartQuote reference

Comparison specialist assigned

Redirecting...

Compare My Health Insurance

SmartQuote

Compare Health Insurance In 3 Simple Steps

Let's personalise your comparison

Before we compare...

Preparing your comparison

Your guide price

Tell us about your current policy

Great news.

Finalising your SmartQuote

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