Often we get asked: “Why Have My Private Medical Insurance Premiums Increased?”

Here at Top1insure, we provide a free health insurance review. We’ll compare your current Private Medical Insurance, or renewal quote, with the rest of the market to see if we can find you a better deal. 

To help, we’ve put together this guide to explain the factors which may cause your renewal quote to be higher than the previous year.

Private Medical Insurance Renewal Quotes:

Most health insurers send renewal quotes to their customers one month before it is due to renew. The cost of a Private Medical Insurance policy renewal is determined using several factors. Some of which can cause the cost of a policy to increase.

Making a Claim:

If you have made a claim, in the previous year. This will likely increase the cost of your premiums when you renew. Making a claim can mean you have a new medical condition which results in your annual premiums increasing.


As we age, it is more likely that we may be required to make a Private Medical Insurance claim. This means as we get older health insurance premiums may increase, so take this increased risk into account.

New Medical Treatments &Services:

Private Medical Insurance often provides policyholders with access to new or expensive medical treatments, which may not be offered via the NHS. In addition to specific treatments, new services such as online GP’s may result in the cost of cover increasing.


General inflation increases the cost of everything, from the price of milk to the cost of electricity. This can affect the cost of health insurance because it can increase the cost of the services and treatments policyholders have access to.

If you feel you need help with your renewal or have any questions about Private Medical Insurance Premiums please feel free to get in touch.