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How much could you save by switching health insurance?

A quick estimate based on UK private medical insurance market norms. Your figure is indicative — for an exact quote our partners run the comparison properly against current insurer pricing.

Why switching matters: typical 5-year premium trajectory

Loyalty pricing compounds. Reviewing the market at each renewal typically keeps premiums materially lower.

£3,500 £2,800 £2,100 £1,400 Year 1 Year 2 Year 3 Year 4 Year 5 £2,000 £3,300 Stay loyal £2,150 Review yearly Year 5 gap: £1,150 saved by reviewing the market
Stay loyal (typical UK renewal increases) Review market each renewal

Illustrative trajectory based on UK PMI renewal and new-customer pricing patterns. Not a forecast for your specific policy.

Estimated annual savings if you switch through our partners:
£0 – £0
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Get an exact figure from our partners

This estimate uses market averages. Our recommended FCA-regulated partners can return your actual quotes — usually within one working day — including whether existing conditions transfer via CPME.

By submitting, you agree that we may share these details with our recommended FCA-regulated partners so they can prepare your comparison. See our privacy notice. We are an introducer only and do not provide regulated advice.

How this estimate works. Figures are illustrative and based on widely reported UK PMI market dynamics — including renewal price increases, new-customer discounting and tenure effects. Your actual savings depend on your medical history, location and the cover level you choose, and can only be confirmed by quotes from our partners. Switch Health Insurance is an introducer and does not provide regulated financial advice.

Why switchers save: the four levers

  1. Renewal premium inflation. UK PMI renewals commonly rise 8–15% per year. Existing-customer pricing rarely reflects the best price the wider market would offer you today.
  2. New-business discounting. Insurers compete hardest for new customers and reserve their sharpest pricing accordingly.
  3. Cover right-sizing. Removing features you don't use (or downgrading the hospital list) can trim premiums without compromising the cover that matters.
  4. Excess and co-pay tuning. Adjusting excess levels and co-pays can take meaningful pounds off monthly premiums — and our partners' advisers will show you the trade-offs.

Want a deeper read? Visit our guides and insights for plain-English articles on each of these levers.

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