How much does it cost?
The cost of individual health insurance is determined by a variety of factors including your age, where you live, your health status and what level of cover you take out. It tends to be cheaper the younger you are but it’s more costly if you live in the North West of England, South East of England or London. You’ll also find that it’s more expensive if you smoke and drink a lot of alcohol. Even if you’ve quit smoking but use a vaporiser, the premium can still be higher than someone that doesn’t smoke at all because most insurance providers base it on nicotine consumption rather than the number of cigarettes smoked. You could get cheaper health insurance by taking out a joint health insurance policy.