Whether you’re a serving Police Officer, a member of Police Staff, a Student Officer, a retired officer, or a Special Constable, access to high-quality healthcare is crucial. The physical, emotional, and mental demands of the job can take their toll, and if you need medical attention, private healthcare provides peace of mind that you’ll be seen promptly.
However, one of the most common questions people ask is: How much does private healthcare cost? At the National Police Healthcare Scheme, our members benefit from private medical coverage from day one, as well as many other advantages, for a small monthly subscription fee.
Affordable, transparent pricing
Unlike many other private health insurance providers, the NPHS is a not-for-profit trust scheme designed specifically for the policing community. Monthly contributions start from as little as £16, with more comprehensive family plans available from £46 per month.
The NPHS is built around supporting your health, delivering benefits, and not making profit.
What can impact the price of private healthcare?
While some private healthcare schemes or medical insurance providers consider a number of factors, the only factors which the National Police Healthcare Scheme consider are age and membership category.
Is it really fast and stress-free?
When you or your loved ones need medical attention, waiting months for tests or treatment on the NHS isn’t ideal – especially when combined with the physical, mental, and emotional demands of police work. NPHS members benefit from:
- Quick access to private consultations, diagnostic procedures, and treatment
- Nationwide private hospital coverage
- Shorter waiting times
This means less time off work, faster recovery, and reduced stress for you and your family.
Do private healthcare schemes only include medical services?
All private healthcare medical providers differ, and that means what they offer their members can vary.
At the NPHS, as well as the medical benefits of private healthcare, our members also have free access to the Police Treatment Centres (PTCs) and exclusive access to two luxury holiday homes at not-for-profit rates.
Why become a National Police Healthcare Scheme member?
The National Police Healthcare Scheme is created for Police Officers, Police Staff, Special Constables, and their families, to offer premium private healthcare without the expense normally associated with it. As a member, you’ll pay an affordable monthly subscription that includes:
- Access to private healthcare in the UK
- Cash benefit if you opt for NHS treatment
- Private healthcare providers, some with ‘preferred’ status
- Immediate cover for new acute physical conditions
- Pre-existing conditions covered after two years of continuous membership
- Benefits for members’ children, with the ability for them to join the scheme themselves at the age of 21
- Support from our friendly team of claims advisors
When members sign up for the National Police Healthcare Scheme, they are not required to make any medical declarations, answer any medical questions, or undergo assessments. This means they can enjoy comprehensive private healthcare cover straight away.
What does it cost to become a member?
The cost of membership varies by membership category and age. For full and transparent details of monthly subscription charges, please visit our website. To give you an indication of costs:
- Member from £16 per month*
- Member and spouse from £32 per month*
- Family membership from £46 per month*
- Member and children from £30 per month*
*Plus, we are currently offering three months free membership (all categories) for serving officers and staff (of affiliated police forces).
Join today
If you would like to start benefiting from private healthcare, become a member today. If you have any questions about the scheme, please don’t hesitate to get in touch.
All information in this blog is correct at the time of writing (July 2025).
Scheme Rules apply (see Scheme website).