Six in 10 (60%) adults would pick private medical insurance (PMI) as their top workplace benefit, putting it ahead of extra holiday, paid time off or life insurance, according to research from Howden Life and Health.
Research found that interest in private healthcare grew, with searches for ‘cheap health insurance’ rising by 46% year-on-year, while searches for ‘health insurance quotes’ rose by 53%.
Additionally, Howden’s research found that 27% of adults have paid for private treatment themselves in the past five years, spending nearly £6,000 on average. One in seven spent more than £15,000.
Ian Sawyer, commercial director at Howden Life and Health, said: “With NHS waiting lists continuing to rise, a postcode lottery dictating the quality and speed of treatment, and one in five people losing sleep over fears of not being able to access the care they need, it’s clear that health anxiety is becoming a major concern for millions.
“That growing unease is reflected in the sharp increase in searches for PMI over the past year and the fact that more than a quarter of people have already self-funded treatment in the past five years.
“As pressure on public healthcare builds, demand for flexible, reliable access to private care is only rising.”
Sawyer added: “And while many still feel PMI is a luxury, it’s worth exploring the options available—there are more affordable and adaptable solutions than many people realise.
“For example, in August 2025, the average cost of a new medical insurance policy arranged through Howden Life and Health was £91.23 per month.
“Half of our clients saved over £500 a year when switching their health insurer at renewal through our market review, often keeping the same or even better cover.
“In today’s climate, reviewing your options regularly is one of the best ways to secure peace of mind without paying over the odds.”