If you are considering playing the Health Lottery but are unsure about the types of prizes available, this guide might be able to help. Whether you are new to playing or simply want to understand how it works, the prize structure may initially seem a little confusing.
This guide outlines how Health Lottery prizes are determined, what each prize tier offers, and how payouts and claims are managed. We’ll also provide information on how the odds compare with other UK lotteries and the tax treatment of winnings. Read on to learn more.
What Are Health Lottery Prizes?
Health Lottery prizes are awarded when your selected numbers match those drawn. The format is straightforward: you choose five numbers, the draw reveals five numbers, and prizes are granted for matching some or all of them.
The prizes are fixed by match level, meaning everyone who achieves a particular match receives the same amount for that outcome. This ensures the value of a win does not change if multiple people win in the same draw. For the most current prize table and any limited-time changes, it might be a good idea to check the official Health Lottery website.
Those who enter the Big Win prize draws on Wednesdays or Saturdays will automatically be given entry to an additional Free Prize Draw for a jackpot of £100,000; this draw also takes place on Wednesdays and Saturdays.
For the main £1 Big Win lottery draws (Mon-Sun), see the below table detailing the prize tiers:
Match 5 numbers Prize: £25,000
Match 4 + Bonus Ball Prize: £10,000
Match 4 Balls Prize: £300
Match 3 + Bonus Ball Prize: £50
Match 3 Balls Prize: £10
Match 2 Balls + Bonus Ball Prize: £5
Match 2 Balls Prize: Free ticket in the next draw
Match 1 Ball + Bonus Ball Prize: Free ticket in the next draw
How Much Can You Win on the Health Lottery?
The Health Lottery operates with a fixed prize structure. The top prize for matching all five main numbers is £25,000. Matching four numbers plus the bonus ball offers £10,000, while matching four numbers provides £250. Matching three numbers results in £10, and matching two numbers typically grants a free entry into a future draw.
Occasionally, special events or promotions may offer variations. If such changes occur, the draw information will specify the applicable details for that date. The same prize structure applies whether you play online or in a shop.
For those who manage to secure the Free Prize Draw jackpot prize on a Wednesday or a Sunday, a prize of £100,000 can be expected.
If you do decide to try your hand at the health lottery, remember to do so responsibly and within your means; never wager more than you can afford to lose.
Different Ways Health Lottery Prizes Are Paid Out
How your potential prize is paid depends on where you purchased the ticket. For shop purchases, smaller prizes can usually be claimed at the counter. Retailers often have a payout limit, commonly around £50 to £100, and many can also handle mid-range wins. If the amount exceeds the store’s limit, the retailer will advise on the next steps, which typically involve a postal claim.
If you played online, prize money is credited to your account balance. From there, you can withdraw to your bank in line with the site’s normal processing times. Larger wins may require electronic identity checks before funds are released, which is standard across UK Gambling Commission (UKGC)-licensed operators and helps protect account holders.
For the highest wins, a short claim form and proof of identity are usually required. This ensures the correct person is paid and the process is properly recorded.
How Are Health Lottery Winnings Taxed in the UK?
Health Lottery prizes are not taxed in the UK. Whether it is a small win or the top prize, you receive the full advertised amount. Gambling winnings are not treated as taxable income, so there is no need to include the prize in a Self Assessment for the prize itself.
What can be taxable is what you do with the money afterward. Interest earned on savings is taxed under the usual savings rules, and very large gifts or estates can have inheritance tax implications. If you need tailored advice, a tax adviser or the guidance on Gov.uk might be able to help.
What Are the Odds of Winning a Health Lottery Prize?
Your chance of winning depends on how many of your numbers match in a single draw. The odds for matching all five main numbers are 1 in 2,118,760. Matching four numbers plus the bonus ball has odds of about 1 in 9,416. For three numbers, it is roughly 1 in 214. Matching two numbers is about 1 in 15, which is why the free entry prize for two matches is the most commonly awarded outcome.
These odds are based on the standard Health Lottery format and apply per line. They do not change depending on whether you buy a paper ticket or play online. If you look at other lotteries, you will see different odds because those games use different number pools and prize structures.
Health Lottery Prizes Compared to Other UK Lotteries
Health Lottery prizes are fixed and top out at £25,000 for matching all five main numbers. That is very different from draws such as Lotto, where the jackpot can reach the millions and can roll over when there is no winner. EuroMillions starts much higher again, often beginning around £14 million and sometimes exceeding £100 million, with the exact figure shaped by ticket sales and rollovers. Set For Life pays a top prize as an income-style award, currently £10,000 each month for 30 years when all five main numbers and the Life Ball match.
The odds reflect these differences. The Health Lottery top prize is 1 in 2,118,760, while Lotto is over 1 in 45 million and EuroMillions is about 1 in 139 million. The trade-off is straightforward: larger jackpots come with longer odds, while smaller fixed prizes come with shorter odds and a simpler prize table.
How Do You Claim Health Lottery Prizes?
Claiming depends on where the ticket was purchased. For shop tickets, smaller prizes are usually paid at the till, and some retailers can handle mid-range amounts. If the prize is above the store’s limit, you will be directed to complete a formal claim.
For postal claims, you need to sign the ticket, fill in a claim form, and send both to the address listed on the official Health Lottery website. Keeping a copy or photo of the ticket is recommended.
For online play, smaller prizes are credited automatically to your account and can be withdrawn using your chosen payment method. Larger amounts may require identification checks to confirm the account holder before funds are released, which helps keep the process secure.
Always keep responsible gambling practises in mind.
**The information provided in this blog is intended for educational purposes and should not be construed as betting advice or a guarantee of success. Always gamble responsibly.
*All values (Bet Levels, Maximum Wins etc.) mentioned in relation to these games are subject to change at any time. Game features mentioned may not be available in some jurisdictions.