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Health Insurance and Cover UK Market Report

Publisher LaingBuisson Ltd.
Published Oct 01, 2025
Length 274 Pages
SKU # LBU20492822

Description

The 21st edition of LaingBuisson’s Health Cover UK Market Report provides a comprehensive analysis of the UK health cover market, valued at £8.64 billion at the start of 2025, following 13.83% year-on-year growth. The report covers private medical cover, health cash plans, dental insurance, and dental capitation/maintenance plans, with private medical cover alone now accounting for £7.02 billion and covering 8.43 million people. This equates to 12.2% of the UK population, which is the strongest market coverage there has been since 2008.

As mentioned on BBC Radio 4's Money Box programme, the latest Health Cover UK Market Report now covers full returns to year-end 2024. Combined with the fact that LaingBuisson’s surveys consistently receive responses from over 90% of the health cover market, the report provides a uniquely comprehensive picture of a thriving market. In addition to the latest data, LaingBuisson has also partnered with private healthcare technology specialists Healthcode to provide additional detail in the form of further commentary of in-year activity volumes and regional insights by speciality activity.

The report examines a market increasingly shaped by rising demand for private healthcare and structural pressures in the NHS, alongside consolidation and investment activity within the health cover space. Notable trends include the growth of dental cover, employer-driven growth in health cash plans, and the strengthening role of private medical cover in meeting the needs of individuals seeking faster access to treatment.

Featuring at least 20 years of market data, LaingBuisson is able to provide comprehensive data, charts and insights up until the end of 2024, comparing over five-, ten- and twenty-year Compound Annual Growth Rates (CAGRs). This long term trend analysis and comprehensive market analysis of the four core segments make it a model publication for insurers, investors, operators, and policymakers navigating both its growth opportunities and operational pressures.

Table of Contents

274 Pages
OVERVIEW OF HEALTH COVER MARKET
HC.1 Overall health cover market value (2024)
HC.2 Overall health cover market value (1995–2024)
HC.3 Market highlights
1. PRIVATE MEDICAL COVER
1.1 Key highlights
1.2 Overview of private medical cover
1.3 Volume of demand
1.4 New business and lapse rates
1.5 Market penetration
1.6 Market value
1.7 Price trends
1.8 Claim and gross margins (loss ratios)
2. HEALTH CASH PLANS
2.1 Key highlights
2.2 Overview of health cash plans
2.3 Volume of demand
2.4 Market segmentation
2.5 New business and lapse rates
2.6 Market value and average prices
2.7 Claims and gross margins (loss ratios)
2.8 Cash benefits breakdown of health cash plan benefits
3. DENTAL COVER
3.1 Key highlights
3.2 Overview of dental cover
3.3 Dental capitation/maintenance plans
3.4 Dental insurance
4. INTERMEDIARIES AND DISTRIBUTION
4.1 The role of intermediaries
4.2 Intermediary sale volumes: Private medical cover
4.3 Intermediary sale volumes: Health cash plans
4.4 Intermediary sale volumes: Dental insurance
4.5 Digital distribution
5. PROVIDERS AND MARKET SHARE
5.1 Private medical cover: Insurers and third-party administrators
5.2 Health cash plans
5.3 Dental capitation and insurance plan providers
5.4 Cost management
5.5 Competition: Indirect and emerging competitors
6. HEALTHCODE
6.1 Key highlights
6.2 Overview
6.3 Value of activity – National
6.4 Volume of activity – National
6.5 Volume of activity – Regional
6.6 Volume of activity – Top 10 hospital specialty
7. MARKET OUTLOOK
7.1 Market outlook highlights
7.2 Market Outlook projections
7.3 Market segment trends
7.4 Future market trends
APPENDICES
APPENDIX 1. DEFINITIONS
APPENDIX 2. DATA REVISIONS
APPENDIX 3. HEALTHCODE
APPENDIX 4. MAJOR PROVIDER PROFILES
APPENDIX 5. FINANCIAL APPENDIX

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