Locations

Key questions

• Health insurance costs where you live: how location shapes price

Topics in this section

Everything in locations

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  Private health insurance in London: hospitals, costs and choices

  London has the UK’s densest private hospital sector, and insurers price for it: central London hospital lists usually cost more, while restricted lists and guided…

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  Private health insurance in Manchester and the North West

  Manchester and the North West have a substantial private hospital sector, and most national insurers’ standard lists cover it well. Premiums are rated on postcode…

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  Private health insurance in Birmingham and the Midlands

  Birmingham and the wider Midlands are well served by private hospitals on most insurers’ standard lists, so cover rarely needs a premium hospital band. Premiums…

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  Private health insurance in Scotland: NHS context and cover

  Scotland runs its own NHS with its own waiting-time statistics: around 588,825 people were on at least one waiting list at 31 July 2026 —…

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  Private health insurance in Wales: NHS context and cover

  NHS Wales publishes its own waiting figures: just under 698,400 patient pathways were waiting in June 2026, around 547,500 individual patients, with 66.0% waiting under…

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  Private health insurance in Northern Ireland

  Northern Ireland’s private hospital sector is the UK’s smallest relative to population, centred on Belfast, so hospital list checks matter more here than anywhere else.…

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  Private health insurance in rural areas of the UK

  Rural buyers face one question city buyers rarely do: distance. Private hospitals cluster in cities, so the hospital list and your willingness to travel decide…

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  Health insurance costs where you live: how location shapes price

  Insurers rate private medical insurance on your postcode because private hospital charges vary across the UK, and your hospital list multiplies the effect. No comparable…

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