Our cover cost us just under 1100ytl for both of us. We went for the middle grade of cover which gives us pretty much all the cover we'll need, except for conditions already diagnosed. (the insurance broker would obviously clarify exactly). It included health insurance cover abroad if we were visiting the UK and fell ill. The only thing is for your first year we only get accident and emergency cover...presumably to stop people taking out health insurance because they are in need on immediate treatment. I do hasten to add, I'm 39 and hubby is 45, and the older you get the more expensive the cover, but to get the same cover through bupa, it would have cost us 3 times the premium.