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Angioplasty of the Leg Arteries

Angioplasty of the Leg Arteries 2025 | Top Insurance Guides

WeCovr's guide to leg angioplasty and how private care reduces waiting times

As an FCA-authorised broker that has helped over 800,000 UK families find the right protection, WeCovr understands the anxiety that comes with a health diagnosis. This guide explains leg angioplasty, a vital procedure for Peripheral Arterial Disease (PAD), and explores how private medical insurance can offer a faster path to treatment.

A diagnosis requiring a procedure like a leg angioplasty can be daunting, made more stressful by concerns over NHS waiting times. In this comprehensive guide, we'll demystify the condition, the treatment, and your healthcare options, empowering you to make informed decisions for your health and wellbeing.

What is Leg Angioplasty? A Simple Explanation

Imagine the arteries in your legs are like pipes carrying blood to your muscles. Over time, these pipes can get clogged with a fatty substance called plaque. This condition is known as atherosclerosis, and when it affects the legs, it's called Peripheral Arterial Disease (PAD).

When these arteries become too narrow or blocked, it reduces blood flow, causing symptoms like:

  • Painful cramping in your legs when you walk (known as claudication)
  • Numbness or weakness in the legs
  • Sores on your feet or legs that won't heal
  • A change in the colour of your skin

In severe cases, it can lead to Critical Limb Ischaemia, a serious condition where the limb is at risk.

Leg angioplasty is a minimally invasive procedure designed to unblock these arteries. Think of it like a plumber clearing a blocked drain. A vascular surgeon inserts a tiny, deflated balloon into the narrowed artery via a small puncture, usually in the groin. Once in position, the balloon is inflated, squashing the plaque against the artery wall and widening the channel for blood to flow through freely.

Often, a small mesh tube called a stent is left in place to help keep the artery open long-term. The entire procedure is usually performed under local anaesthetic, and most patients can go home the same day or the next.

TermSimple Definition
Peripheral Arterial Disease (PAD)A condition where a build-up of fatty deposits (plaque) in the arteries restricts blood supply to leg muscles.
AtherosclerosisThe process of arteries becoming clogged and hardened by plaque.
AngioplastyA procedure to widen blocked or narrowed arteries using a tiny balloon.
StentA small, expandable metal mesh tube placed inside an artery to keep it open after angioplasty.
ClaudicationMuscle pain or cramping in the legs or arms triggered by activity, such as walking, which disappears after a few minutes of rest.

Understanding Peripheral Arterial Disease (PAD) in the UK

PAD is more common than many people realise. It's estimated that around 1 in 5 people over the age of 60 in the UK have some degree of PAD. However, because the symptoms can be mild or mistaken for a normal part of ageing, many cases go undiagnosed.

Several factors increase your risk of developing PAD:

  • Smoking: This is the single most significant risk factor. Chemicals in tobacco damage the lining of your arteries.
  • Diabetes: High blood sugar levels can damage your blood vessels over time.
  • High Blood Pressure: This puts extra strain on your artery walls.
  • High Cholesterol: Excess "bad" cholesterol in your blood contributes to plaque formation.
  • Age: The risk increases significantly after the age of 50.
  • Family History: A family history of PAD, heart disease, or stroke increases your risk.

Prevention is Better Than Cure: Lifestyle and Wellness Tips

While you can't change your age or family history, you can take powerful steps to reduce your risk of PAD or manage the condition if you already have it.

  1. Quit Smoking: If you smoke, stopping is the most effective thing you can do for your arterial health.
  2. Eat a Heart-Healthy Diet: Focus on a diet rich in fruits, vegetables, whole grains, and lean proteins, like the Mediterranean diet. Limit saturated fats, salt, and processed sugars. To help you on this journey, WeCovr provides complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, for all our health and life insurance customers.
  3. Stay Active: Aim for at least 150 minutes of moderate-intensity exercise per week, as recommended by the NHS. Walking is particularly beneficial for improving circulation in the legs.
  4. Manage Existing Conditions: Work with your GP to keep your blood pressure, cholesterol, and blood sugar levels within a healthy range.

The Patient Journey: Leg Angioplasty on the NHS

The NHS provides excellent care, but the system is under immense pressure, leading to significant waiting times for non-urgent procedures. Here’s a typical journey for a patient needing a leg angioplasty on the NHS:

  1. GP Appointment: You notice leg pain when walking and visit your GP. They may perform an initial check called an Ankle-Brachial Pressure Index (ABPI) test.
  2. Referral to a Specialist: If your GP suspects PAD, they will refer you to a hospital's vascular surgery department. The target for seeing a specialist is within 18 weeks, but this can vary significantly by region.
  3. Diagnostic Tests: The vascular team will arrange for more detailed scans to pinpoint the blockages. These might include:
    • Doppler Ultrasound: Uses sound waves to check blood flow.
    • CT or MRI Angiogram: More detailed imaging of the arteries.
  4. Joining the Waiting List: Once diagnosed and deemed suitable for angioplasty, you are placed on the elective surgery waiting list.
  5. The Procedure: You receive a date for your angioplasty.
  6. Recovery: You'll have follow-up appointments to monitor your progress.

The Reality of NHS Waiting Times

Waiting is often the most challenging part of the patient journey. According to the latest NHS England statistics (data from early 2024, indicating trends for 2025), the waiting list for elective treatment remains a significant challenge.

  • The median waiting time for consultant-led elective care was approximately 14.5 weeks.
  • Worryingly, over 300,000 patients were waiting more than 52 weeks for treatment.
  • For vascular surgery specifically, waiting times can be long due to the high demand for specialists and operating theatre space.

NHS Patient Pathway: Potential Timeline

StageAverage NHS Waiting Time (Estimate)Notes
GP Referral to Specialist Consultation4 - 18 weeksThe national target is 18 weeks, but this is frequently missed.
Specialist to Diagnostic Scans2 - 6 weeksWaits for specific scans like CT or MRI can add delays.
Diagnostics to Treatment (Angioplasty)12 - 40 weeksThis is the main waiting list for the procedure itself and can be the longest wait.
Total Estimated Wait Time18 - 64 weeks (4.5 to 15 months)This timeline can vary greatly depending on location and the urgency of your condition.

This extended waiting period can be detrimental. For someone with severe claudication, it means months of pain and restricted mobility. For those with more advanced PAD, a long wait increases the risk of the condition worsening.

The Private Healthcare Advantage: Bypassing the Wait

This is where private medical insurance (PMI) can make a profound difference. By opting for private care, you can significantly shorten the time from diagnosis to treatment, often reducing a wait of many months to just a few weeks.

Critical Information: Pre-existing and Chronic Conditions

Before we explore the benefits, it's vital to understand a fundamental principle of UK private medical insurance:

Standard PMI policies are designed to cover acute conditions that arise after your policy begins. They do not cover pre-existing conditions or the routine management of long-term (chronic) illnesses.

PAD is a chronic condition. Therefore, if you already have a PAD diagnosis before you take out a policy, any treatment related to it, including angioplasty, will be excluded.

The value of private health cover is in having it in place before you need it. If you develop symptoms of PAD after your policy is active, your PMI can cover the costs of the private consultations, diagnostics, and the angioplasty procedure needed to treat this new, acute flare-up.

NHS vs. Private Care: A Head-to-Head Comparison

StepNHS ExperiencePrivate Care Experience with PMI
GP ReferralReferrals are made to an NHS hospital trust. You have limited choice over the hospital or specialist.Your GP provides an open referral. You can choose a specialist and hospital from your insurer's approved list.
Specialist ConsultationWait several weeks or months to see a consultant.See a specialist within days or a couple of weeks.
Diagnostic ScansJoin the NHS queue for scans, which can take several more weeks.Scans are typically arranged within a week of your consultation, often at the same private hospital.
TreatmentPlaced on the surgical waiting list. The wait for angioplasty can be many months.The procedure is scheduled at your convenience, usually within 2-4 weeks of diagnosis.
Hospital StayLikely to be on a general ward with several other patients.A private, en-suite room for your comfort and privacy.
Follow-upFollow-up appointments are scheduled according to NHS availability.Direct and easy access to your consultant for follow-up care.
Total Time4 - 15 months2 - 6 weeks

As the table clearly shows, the primary benefit of private care is speed. This isn't just about convenience; it's about getting you out of pain and back to your life faster, potentially preventing your condition from deteriorating while you wait.

How Private Medical Insurance Covers Leg Angioplasty

If you have a PMI policy and develop symptoms of PAD, the process is straightforward:

  1. Visit Your GP: This is always the first step. Your GP will assess you and provide a referral if they suspect PAD.
  2. Contact Your Insurer: You call your insurance provider's claims line with the referral details.
  3. Get Authorisation: The insurer will check your policy details and authorise the next steps, usually a consultation with a private vascular surgeon. They will provide an authorisation number.
  4. Book Your Appointments: You choose a specialist and hospital from your insurer's network and book your consultation and any subsequent scans. All costs are billed directly to the insurer.
  5. Schedule Your Procedure: If the specialist recommends an angioplasty, you get further authorisation from your insurer and book the procedure at a time that suits you.

It’s a streamlined process designed to put you in control of your healthcare journey.

Choosing the Best Private Medical Insurance UK for Your Needs

With so many providers and policy options, choosing the right cover can feel overwhelming. This is where an independent PMI broker like WeCovr provides invaluable, impartial expertise. We compare the market for you, explaining the jargon and finding a policy that matches your needs and budget, all at no cost to you.

When considering a policy, here are the key factors:

  • Underwriting Type:
    • Moratorium: You don't declare your medical history upfront. The insurer automatically excludes anything you've had symptoms of, or treatment for, in the last 5 years. This exclusion can be lifted if you remain symptom-free for a continuous 2-year period after your policy starts.
    • Full Medical Underwriting (FMU): You provide your full medical history. The insurer then tells you exactly what is and isn't covered from the start. This provides more certainty but can be more complex.
  • Outpatient Cover: Consultations and diagnostic tests are considered 'outpatient' services. A basic policy might not cover these, while a comprehensive policy will. It's crucial to have sufficient outpatient cover to ensure the swift diagnosis we've discussed.
  • Hospital List: Insurers have different tiers of hospitals. Ensure the hospitals near you are on your chosen list.
  • Excess: This is the amount you agree to pay towards any claim. A higher excess will lower your monthly premium.

Understanding Different PMI Policy Levels

Policy LevelTypical Coverage for PAD TreatmentBest For
Basic / Entry-LevelCovers in-patient and day-patient procedures like the angioplasty itself. May have limited or no cover for outpatient consultations and scans.Individuals on a tight budget who primarily want cover for major surgical procedures.
Mid-RangeCovers the procedure plus a set limit for outpatient diagnostics and consultations (e.g., £1,000).A good balance of cost and comprehensive cover for the entire treatment journey.
ComprehensiveFull cover for in-patient, day-patient, and outpatient services. Often includes therapies like physiotherapy post-procedure.Those wanting maximum peace of mind and complete cover from diagnosis to recovery.

As a WeCovr customer, you also benefit from added value, such as discounts on other insurance policies when you take out private medical or life insurance with us.

Lifestyle and Recovery After Leg Angioplasty

The angioplasty procedure is a fantastic tool for restoring blood flow, but it's not a "cure" for the underlying atherosclerosis. To ensure the long-term success of the procedure and protect your overall health, embracing a healthy lifestyle is essential.

  • Medication: Your consultant will likely prescribe blood-thinning medication (like aspirin or clopidogrel) and statins to manage cholesterol. It is vital to take these exactly as prescribed.
  • Supervised Exercise: The best thing you can do after recovery is to walk. Many hospitals offer supervised exercise programmes for PAD patients, which have been shown to be highly effective. The goal is to walk until the leg pain starts, rest until it subsides, and then start again. This builds new, smaller blood vessels that bypass the blockages (collateral circulation).
  • Diet: Continue with the heart-healthy diet. Reducing saturated fat and salt intake helps prevent new plaque from forming and keeps your blood pressure in check.
  • Foot Care: Good blood flow is essential for healing. Check your feet daily for any sores, blisters, or cuts, as poor circulation can mean minor injuries don't heal well and can become infected.
  • Travel: Most people can fly a week or two after an uncomplicated angioplasty. However, always check with your consultant. For long journeys, it's important to stay hydrated, wear compression stockings if advised, and move around regularly to prevent blood clots.

Can I get private health insurance if I already have Peripheral Arterial Disease (PAD)?

Generally, no. Standard private medical insurance in the UK is designed for acute conditions that develop after your policy starts. PAD is a chronic condition, and if you have been diagnosed or experienced symptoms before taking out cover, it will be classified as a pre-existing condition and excluded from coverage. The best strategy is to secure health insurance when you are in good health.

How much does a private leg angioplasty cost in the UK without insurance?

The cost of a private leg angioplasty in the UK can vary significantly based on the hospital, the consultant, and the complexity of the procedure. As a guide, the total cost for the surgery, including the surgeon's and anaesthetist's fees and the hospital stay, typically ranges from £5,000 to £10,000 or more, especially if a stent is required. This does not include the initial consultation and diagnostic scan fees.

Does private medical insurance cover the diagnostic tests for PAD?

This depends on your policy's level of outpatient cover. Mid-range and comprehensive policies usually cover the costs of diagnostic tests and scans, such as Doppler ultrasounds and CT angiograms, up to a certain financial limit or in full. Basic policies may not include this cover, meaning you would have to pay for the diagnostic stage yourself. It's a crucial feature to check when choosing a policy.

What's the difference between moratorium and full medical underwriting?

With **Full Medical Underwriting (FMU)**, you disclose your entire medical history on application, and the insurer gives you a definitive list of exclusions from day one. With **Moratorium (MORI)** underwriting, you don't declare your history, but the policy automatically excludes conditions you've had symptoms, advice, or treatment for in the 5 years before joining. This exclusion can be lifted if you go 2 continuous years on the policy without any issues relating to that condition. MORI is quicker to set up, while FMU provides more initial certainty.

Take Control of Your Health Journey

Facing the prospect of surgery is never easy, but long waits can add unnecessary stress and impact your quality of life. Private medical insurance offers a powerful solution, providing rapid access to leading specialists and state-of-the-art facilities, allowing you to focus on what truly matters: your recovery.

While the NHS is a national treasure, having the choice to bypass queues for procedures like leg angioplasty is an invaluable benefit. It means less time in pain, a faster return to daily activities, and the peace of mind that comes from proactive healthcare.

Ready to explore your options and find the best private health cover for your needs? The expert team at WeCovr is here to help. We provide free, impartial advice and compare leading UK insurers to find a policy that fits you perfectly.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.

How does it work?

Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:

• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment

Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.

Questions to ask yourself regarding private medical insurance

Just ask yourself:
👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?

Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.

Benefits offered by private medical insurance

Private medical insurance provides numerous benefits that can significantly improve your healthcare experience and outcomes:

Faster Access to Treatment
One of the biggest advantages is avoiding NHS waiting lists. While the NHS provides excellent care, waiting times can be lengthy. With private medical insurance, you can often receive treatment within days or weeks rather than months.

Choice of Consultant and Hospital
You can choose your preferred consultant and hospital, giving you more control over your healthcare journey. This is particularly important for complex treatments where you want a specific specialist.

Better Facilities and Accommodation
Private hospitals typically offer superior facilities, including private rooms, better food, and more comfortable surroundings. This can make your recovery more pleasant and potentially faster.

Advanced Treatments
Private medical insurance often covers treatments and medications not available on the NHS, giving you access to the latest medical advances and technologies.

Mental Health Support
Many policies include comprehensive mental health coverage, providing faster access to therapy and psychiatric care when needed.

Tax Benefits for Business Owners
If you're self-employed or a business owner, private medical insurance premiums can be tax-deductible, making it a cost-effective way to protect your health and your business.

Peace of Mind
Knowing you have access to private healthcare when you need it provides invaluable peace of mind, especially for those with ongoing health conditions or concerns about NHS capacity.

Private medical insurance is particularly valuable for those who want to take control of their healthcare journey and ensure they receive the best possible treatment when they need it most.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get private medical insurance early?

👉 Many people are very thankful that they had their private medical insurance cover in place before running into some serious health issues. Private medical insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, and even our phones! Yet our health is the most precious thing we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced insurance experts who are passionate about advising people on financial matters related to private medical insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable private medical insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

Health insurance covers conditions that develop after your policy starts. Pre-existing conditions are typically not covered, and insurers may exclude related issues. Some policies may cover symptoms of pre-existing conditions under specific circumstances. Always review your policy's exclusions. Coverage for pre-existing medical conditions may be available if you currently hold a medical insurance policy or are transitioning from a company scheme. However, if you have never had medical insurance before or if your policy is not active at the moment, pre-existing conditions will not be covered. This limitation exists because health insurance is primarily intended to protect against unexpected health issues. To simplify, it's akin to getting into a car accident and then trying to obtain insurance coverage afterward to repair the vehicle — insurance companies typically do not cover such claims. Nevertheless, there is an option to gain coverage for pre-existing conditions after a two-year waiting period, subject to specific rules and conditions.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Sometimes treatments and drugs that are not covered by the NHS can be covered by Private Medical Insurance.

It's free to use WeCovr to find health insurance - we never charge you for quotes. Health or private medical insurance is an investment that can pay for itself the first time you might need medical treatment.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you would benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our revenue comes from commissions paid by the insurance providers when a policy is taken out through us. Essentially, when you choose to secure a policy from one of the providers we work with, they compensate us for facilitating the transaction. It's important to note that this commission does not impact the premium you pay. We remain committed to providing transparent and unbiased quotes to help you find the best insurance options tailored to your needs.

The cost of private health insurance depends on several factors, including your age, location, smoking status, and the type of policy you choose. Your health insurance policy is tailored to your needs, and the cost can vary based on the level of cover you require, such as the amount of excess and specific treatment allowances.

Private health insurance covers you for conditions that arise after your policy begins. You pay a monthly fee and can make claims for private healthcare covered by your policy. One of the main benefits of private healthcare is quicker access to treatment compared to the NHS, along with access to new drugs or specialist treatments.

Most health insurance covers private hospital stays and may include outpatient treatments like scans, tests, or appointments. Policies vary in coverage, and exclusions often include emergency treatment, maternity care, cosmetic surgery, and ongoing conditions present before the policy started.

Unfortunately, you cannot pay extra to have a pre-existing condition covered as part of your health insurance policy. However, you have access to support from a nurse or digital GP. If you have questions about what is covered under your policy, please contact us for clarification.

Your health insurance policy begins once you've selected your policy and set up your payment. After setup, you'll receive your cover documents detailing what is and isn't covered. It's important to review these details carefully as policies differ.

An excess is the amount you contribute towards treatment when you make a claim. Choosing a higher excess can reduce your policy's monthly cost but requires a larger contribution when claiming. WeCovr's experts will offer you flexible excess options depending on your preferences.

To reduce health insurance costs, consider choosing a higher excess, which lowers the monthly premium. However, ensure the plan still meets your needs. Other factors affecting cost include lifestyle choices like smoking and potential savings for couples or family plans.

There is no age limit for taking out health insurance, but age influences the policy's cost. The benefits of health insurance are consistent regardless of age. If you're considering health insurance, you can get a quote from WeCovr's experts regardless of your age.

Let WeCovr's experts do the legwork for you and compare health insurance plans at no cost to you to find the best fit for your needs. Consider individual, couple, or family plans and review coverage details thoroughly before choosing. WeCovr provides transparent information on coverage options for easy comparison.

Yes, you can add your partner (if you live at the same address) or dependents to your policy at any time. The cost of couple's or family health insurance depends on factors like location, age, health, and chosen excess. Contact WeCovr or your insurer for assistance in adding someone to your policy.

While WeCovr's private health insurance plans are tailored for the UK, we offer global health insurance options for those living or working abroad. For holiday coverage, travel insurance is recommended.

Comprehensive cover provides extensive benefits, including full outpatient services such as consultations, diagnostic tests, physiotherapy, and mental health therapies. Our team at WeCovr can assist in understanding the various coverage levels available.

Private health insurance typically does not cover dental treatment. However, WeCovr's experts can guide you to dental insurance policies offered by our partner insurers. Reach out to us to explore these options.

Yes, private health insurance covers cancer treatment from diagnosis through treatment. At WeCovr, we can help you navigate the cancer cover options that suit your needs.

At WeCovr, you have flexibility in adjusting your cover. Speak to our experts within 21 days of receiving your paperwork or at policy renewal to make changes.

Accessing a private GP appointment is fast and convenient with WeCovr's services, available through your digital platform provided under your chosen insurance plan.

Yes, family members on the same policy can potentially have different levels of cover tailored to their individual needs.

WeCovr works with insurers offering a range of cover levels to accommodate different budgets and needs. Our experts can discuss these options with you.

Discovering healthcare facilities and specialists is easy with WeCovr's resources. Contact us for personalised assistance by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Fee-assured consultants provides transparency and no hidden costs for clients.

WeCovr prioritises mental health support with comprehensive coverage and access to specialist advice and services.

Children up to a certain age can be included in your policy, and we offer discounts for family coverage.

Like most health insurance plans, premiums may increase annually due to factors such as age and medical cost inflation.

The cost of health insurance varies based on several factors. Connect with our experts by tapping a button below and get your own personalised quote.

Private health insurance offers quicker access to consultations, treatments, and personalised care compared to the NHS.

Yes, WeCovr's experts can guide you which health insurance plans include coverage for physiotherapy treatments.

Immediate access to certain services like our digital GP app is available upon enrolment.

You can obtain a range of suitable quotes easily by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Health insurance covers new conditions that arise after the policy starts. Pre-existing conditions and certain exclusions may apply.

WeCovr's experts help you arrange health insurance that simplifies access to private healthcare services, including consultations and treatments.

Outpatient cover includes consultations, physiotherapy, and mental health therapies outside hospital admissions.

Yes, you can use your health insurance cover immediately. You have access to a nurse through your helpline and can consult with a GP using the digital GP app. If you need to make a claim right away, we may require a medical report from your GP. Health insurance is designed to cover new conditions that arise after the policy has started.

No, health insurance does not cover A&E (Accident and Emergency) visits. Private hospitals do not typically have the facilities for handling A&E cases. In case of an emergency, please dial 999 or use the NHS emergency services. However, if you require follow-up treatment after an emergency situation, your private medical insurance may be able to assist.

Yes, many insurers offer rewards in leisure, wellbeing, and health. Speak to WeCovr's experts or visit your insurer's website for more details on member rewards.

You may continue your cover or get another own personal policy. If you continue your cover, existing or ongoing medical conditions might be covered depending on the level of cover you choose. Contact our friendly experts to discuss your options and find the right option for you.

You can tap one of the buttons above or below and fill in a quick form to arrange a call with us to discuss your options.

Your cover may be similar but not identical. We will help you find the right level of cover that suits your needs, and ongoing medical conditions may be covered. Contact our friendly advisers to explore all available options.

No, the price won't be the same as before since employers often contribute to the cost of employee cover. Additionally, different cover levels and medical histories may affect the price. Contact WeCovr's experts for detailed information.

You have a few weeks or months from leaving your job to decide to continue with your insurer or change to another one. Your policy may start the day after you left your work policy, and our experts can guide you through other available options.

After leaving your job, contact WeCovr's experts with your leave date to discuss available options.

Yes, ongoing treatment may be covered on your new personal policy, although it could affect the price. Contact our experts for personalised advice on your options.

Details on paying excess fees will be provided when you contact your insurer for treatment authorisation.

No, there is no excess fee for utilising these services.

Excess adjustments can be made at specific intervals during your policy term.

No claims discounts can impact renewal costs based on claims history.

Pre-existing conditions typically aren't covered but can be discussed with our healthcare specialists.

This involves health-related questions before policy enrolment to determine coverage.

Moratorium underwriting simplifies enrolment but may require health disclosures during claims.

Claims may require additional information if under moratorium underwriting.

Pre-existing conditions refer to medical issues existing before policy inception. A pre-existing condition is anything you've previously had medical treatment for, such as diabetes, heart disease, or asthma. Most insurance providers consider any condition you've had symptoms or treatment for in the past five years as pre-existing. Our experts at WeCovr can help you understand how pre-existing conditions affect your policy options.

While some insurance providers automatically renew your private healthcare cover, it's beneficial to compare policies when yours is about to end. This ensures you're still getting the best deal for the coverage you need. Our experts at WeCovr can assist you in finding the right policy for you.

Typically, you must be over 18 to take out your own policy, but minors can usually be included in a family policy. There may also be an upper age limit for private health insurance, and premiums typically increase with age. Our experts at WeCovr can provide guidance on age-related policy aspects.

Paying for health insurance annually often results in savings compared to monthly payments. However, this depends on your insurance provider. For help determining the most cost-effective option, consider consulting our experts at WeCovr.

If your employer offers private health insurance as part of your benefits package, you likely don't need additional cover. However, there may be limits on the cover you receive, and it may not extend to your entire family. Remember, any insurance you get through work only covers you while you're employed there.

If you don't have pre-existing conditions, a medical exam is usually not required. You'll just need to complete a medical history form and select your level of cover. However, if you're older, have a pre-existing condition, or lead an unhealthy lifestyle, a medical exam may be necessary. Our experts at WeCovr can clarify the requirements of different policies.

Many private health insurance providers now offer GP services, either digitally or face-to-face. This means you can often get a private GP appointment quickly, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer GP services.

With private health insurance, you can often secure a GP appointment much quicker than with traditional methods, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer quick GP appointment services.

Inpatient care refers to any treatment requiring a stay in a hospital or clinic for at least one night. Outpatient care refers to treatments or tests that don't require hospital admission, such as minor diagnostic tests or physiotherapy sessions. Our experts at WeCovr can help you understand the different types of care and find a policy that suits your needs.

Private health insurance covers your medical treatment if you fall ill, while critical illness cover provides additional financial help if you develop one of the critical illnesses listed in the policy, such as covering loss of income if you're unable to work. For assistance in understanding the differences and finding the right coverage, consult our experts at WeCovr.

Health insurance policies are designed for cover in the UK. For cover abroad, consider travel insurance for short trips or international health insurance for longer stays or if you have a holiday home overseas. Our experts at WeCovr can guide you in finding the appropriate coverage for your travel needs.

If your employer provides health insurance, it's considered a 'benefit in kind' and is not tax deductible. Your employer should calculate the tax you owe for your health insurance premiums and deduct it from your pay. There are some exceptions for small companies. For more information on tax implications, consider reaching out to our experts at WeCovr.

When you purchase a policy, you choose how much excess you pay, which is your contribution to the cost of treatment if you make a claim. The higher your excess, the lower your premium is likely to be. Our experts at WeCovr can help you understand how excess works and choose the right level for you.

These are two methods of underwriting a health insurance policy, relating to how insurance providers consider your pre-existing medical conditions when you take out cover. For help understanding the differences and choosing the right option for you, consult our experts at WeCovr.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Every year you don't make a claim gives you an extra year of no-claims discount, potentially reducing your premium when you renew. Our experts at WeCovr can help you find policies that offer no-claims discounts.

To find the best health insurance for you, compare various policies to find one that offers the features you need at a price you can afford. Consider your personal circumstances and what you want from your policy. Our experts at WeCovr can assist you in evaluating your options and selecting the right coverage for you.

If you need treatment, a GP referral is not always necessary. However, this depends on how you plan to pay for your treatment. Most hospitals will allow you to book appointments with a consultant without a GP referral if you are paying out-of-pocket. If you have private medical insurance, you'll need to check the terms of your policy to see whether your insurer requires you to consult with a GP first (most insurers do). Some policies offer a direct booking system without a referral for certain conditions, such as counseling for mental health issues.

Yes, you can obtain financing for a loan to cover the cost of surgery. Many private healthcare companies have partnerships with finance companies to allow you to spread the cost of private treatment over time. You could also explore getting an ordinary loan from your bank if this option proves to be more cost-effective for you.

WeCovr has conducted extensive research into the cost of private health insurance in the UK. Click the link to find out more detailed information.

Yes, you can continue to receive treatment through the NHS even if you have private health insurance and have received private treatment in the past. This could be for rehabilitation after private surgery or for treatment that is not covered by your health insurance policy. For example, some cosmetic surgeries may be available through the NHS but are generally not covered by private medical insurance.

This is a difficult question to answer definitively. There are certain services that cannot be obtained privately, such as emergency treatment at an Accident and Emergency (A&E) department. Many NHS consultants also practice privately, so you could potentially see the same consultant regardless of whether you choose private or public healthcare. However, private healthcare typically offers shorter waiting times, guaranteed private rooms, and more relaxed visiting hours. Additionally, you may have access to treatments and drugs that are not routinely available through the NHS.

Yes, you can self-refer to a private specialist without the need for a GP referral. However, the British Medical Association believes that in most cases, it is best practice to start with your GP, as they are familiar with your medical history.

Yes, if you have a health concern and pay for private tests and scans but cannot afford to have private surgery, you should be able to have your test results transferred to an NHS provider for treatment.


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