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Angioplasty Private Surgery Options

Angioplasty Private Surgery Options 2026

As an FCA-authorised expert with a hand in over 900,000 policies, WeCovr offers this definitive guide to private leg angioplasty in the UK. We will explore how private medical insurance can be a vital tool for bypassing lengthy NHS queues and accessing swift, high-quality vascular care when you need it most.

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

Dealing with leg pain, cramps, or sores that won't heal can be worrying. These are often symptoms of Peripheral Artery Disease (PAD), a common condition where the arteries supplying blood to your legs become narrowed. The primary treatment, an angioplasty, is a minimally invasive procedure to restore blood flow.

However, accessing this treatment on the NHS can involve significant waits. In this guide, we'll break down everything you need to know about leg angioplasty, the current state of NHS waiting lists, and how private healthcare—funded either by insurance or self-payment—offers a faster path to treatment and recovery.

Understanding Leg Angioplasty: What Is It and Why Is It Needed?

Before we explore your treatment options, let's clarify what leg angioplasty is. Think of your arteries as flexible tubes that carry oxygen-rich blood from your heart to the rest of your body. Over time, fatty deposits called plaque can build up inside these tubes, making them narrower and harder. This process is called atherosclerosis.

When this happens in the arteries leading to your legs, it's known as Peripheral Artery Disease (PAD). According to the National Institute for Health and Care Excellence (NICE), PAD is a common condition affecting an estimated 20% of people over 60 in the UK.

Symptoms of PAD that may lead to an angioplasty include:

  • Intermittent Claudication: The most common symptom. This is a cramping pain in your calf, thigh, or buttock muscles that comes on during exercise (like walking) and subsides with rest.
  • Rest Pain: In more severe cases, you may experience a burning or aching pain in your feet and toes, even when you're resting, particularly at night.
  • Non-healing Sores: Poor blood flow can prevent ulcers or wounds on your legs and feet from healing properly.
  • Other Signs: Hair loss on your legs, brittle toenails, or changes in skin colour (pale or bluish) can also indicate poor circulation.

What Happens During a Leg Angioplasty?

A leg angioplasty is a clever, minimally invasive procedure designed to open up these narrowed arteries. It's not major open surgery. Here’s a simple step-by-step:

  1. Access: A specialist, usually a vascular surgeon or an interventional radiologist, makes a tiny incision, typically in your groin.
  2. Guidance: Using X-ray imaging as a guide, they insert a fine, flexible tube called a catheter into the artery.
  3. Inflation: The catheter has a small, deflated balloon at its tip. It's carefully guided to the narrowed section of the artery. Once in place, the balloon is inflated. This gently pushes the plaque against the artery wall, widening the channel for blood to flow through.
  4. Stent Placement (Optional but Common): In many cases, a tiny mesh tube called a stent is left in place. The stent acts like a scaffold, holding the artery open and reducing the risk of it narrowing again.
  5. Completion: The balloon is deflated and the catheter is removed. The procedure usually takes between 30 minutes and two hours, and you're often able to go home the same day or the next.

The Patient Journey: Angioplasty on the NHS vs. Private Care

The path from first noticing symptoms to receiving treatment can look very different depending on whether you use the NHS or go private. The primary difference is time.

The NHS Pathway

The NHS provides excellent care, but the system is under immense pressure, leading to well-documented delays at every stage.

  1. GP Appointment: Your journey begins with your GP. You'll discuss your symptoms and they'll perform an initial examination, which may include checking the pulses in your feet.
  2. Referral: If PAD is suspected, your GP will refer you to a hospital's vascular department for a specialist consultation.
  3. Waiting for Consultation: You now join a waiting list to see a specialist. This wait can take several weeks or even months.
  4. Diagnostic Tests: The specialist will arrange for diagnostic tests to confirm the diagnosis and pinpoint the blockages. These may include:
    • Doppler Ultrasound: Uses sound waves to check blood flow.
    • CT Angiogram or MR Angiogram: Advanced scans that provide detailed 3D images of your arteries.
    • You may face another wait for these diagnostic scans.
  5. Treatment Decision: After reviewing your test results, the specialist will recommend a course of action. If an angioplasty is needed, you are placed on the elective surgery waiting list.
  6. Waiting for Surgery: This is often the longest wait. The NHS has a target of treating patients within 18 weeks of referral, but as we'll see, this target is frequently missed for many specialities, including vascular surgery.

The Private Pathway

Choosing private care dramatically accelerates this process. You can fund this through private medical insurance (PMI) or by paying for it yourself (self-pay).

  1. GP or Self-Referral: You can get a quick referral from your GP, and many private specialists also accept self-referrals.
  2. Swift Consultation: You can typically book an appointment with a leading vascular surgeon within days, not months. You have the freedom to choose the consultant you wish to see.
  3. Rapid Diagnostics: Private hospitals have their own state-of-the-art diagnostic facilities. Scans are often performed on the same day as your consultation or within a few days.
  4. Prompt Treatment: Once a decision is made, the procedure can be scheduled very quickly, often within a week or two, at a time and hospital that suits you.

Comparison: NHS vs. Private Angioplasty Journey

StageNHS PathwayPrivate Pathway
Initial ConsultationWeeks to months wait after GP referral.Days to a week. Choice of specialist.
Diagnostic ScansCan involve another waiting list.Often same-day or within a few days.
Time to ProcedureCan be many months.Typically scheduled within 1-2 weeks.
Choice & ComfortLimited choice of hospital or surgeon.Full choice of consultant and hospital.
EnvironmentTypically on a shared NHS ward.Private, en-suite room.
CostFree at the point of use.Funded by PMI or self-payment.

The Reality of NHS Waiting Times for Vascular Procedures

To understand why so many people are considering private options, it's crucial to look at the real-world data on NHS waiting lists. While the staff are dedicated, the system's capacity is stretched.

According to the latest available statistics from NHS England (late 2024), the elective care waiting list stands at over 7.5 million treatment pathways. For vascular surgery, the picture is particularly concerning.

  • The 18-Week Target: The NHS constitution sets a target that over 92% of patients should wait no more than 18 weeks from referral to treatment.
  • The Reality: For many months, this target has not been met nationally. In the vascular surgery speciality, a significant portion of patients wait longer than 18 weeks. Data frequently shows tens of thousands of patients waiting for vascular procedures, with a substantial number waiting over a year.

Waiting for an angioplasty isn't just an inconvenience. For someone with PAD, delays can mean:

  • A prolonged period of pain and reduced mobility.
  • A decline in overall quality of life.
  • The risk of the condition worsening, potentially leading to critical limb ischaemia (severe blockage), which carries a risk of amputation if not treated urgently.

This is the stark reality that drives many to seek faster care through the private sector.

How Private Medical Insurance (PMI) Can Help

This is where private medical insurance becomes a powerful tool. It's designed to work alongside the NHS, giving you a way to bypass queues for eligible treatment.

Crucial Point: PMI is for Acute Conditions, Not Chronic or Pre-existing Ones

It is vital to understand a fundamental principle of the UK private medical insurance market: standard policies are designed to cover acute conditions that arise after you take out your policy.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a cataract, a hernia, or a blockage in an artery requiring an angioplasty).
  • A chronic condition is one that is long-lasting and often cannot be fully cured, such as diabetes, asthma, or established PAD that you already have before buying a policy.
  • A pre-existing condition is any ailment for which you have experienced symptoms, received medication, or sought advice in the years before your policy starts (typically the last 5 years).

So, how does this apply to angioplasty?

If you develop the symptoms of PAD after your private health cover has begun, the subsequent investigations and a necessary angioplasty would typically be covered as treatment for a new, acute condition. However, if you already have a diagnosis of PAD before taking out insurance, it would be considered pre-existing and excluded from cover.

This is why it's wise to consider private medical insurance when you are healthy, as a plan for future, unforeseen health issues.

As expert PMI brokers, the team at WeCovr can help you understand the nuances of underwriting and find a policy that gives you the most security for the future.

Paying for Private Angioplasty: Your Options

If you decide to go private, there are two main ways to fund your treatment.

1. Self-Pay: Paying Directly

If you don't have private medical insurance but want to avoid the wait, you can pay for the procedure yourself. Most private hospitals offer fixed-price packages for common procedures like angioplasty.

What is the cost of a private leg angioplasty in the UK?

The cost can vary depending on the hospital, the surgeon, and the complexity of your procedure (e.g., whether one or more stents are used). As of 2025, you can expect to pay in the range of £6,000 to £11,000.

A typical self-pay package will usually include:

Cost ComponentDescription
Hospital FeesUse of the operating theatre (cath lab), nursing care, and your private room.
Consultant & Anaesthetist FeesThe fees for the surgeons and medical team performing the procedure.
DiagnosticsAny pre-operative tests required on the day.
ProstheticsThe cost of the balloon catheter and the stent(s) used.
Medication & DressingsAll standard medications and supplies used during your stay.
Follow-up ConsultationA post-procedure check-up with your consultant.

Always ask for a detailed, all-inclusive quote to ensure there are no hidden surprises.

2. Using Private Medical Insurance

If you have a PMI policy, it can cover the costs of your private angioplasty, provided the condition is not pre-existing.

The process is straightforward:

  1. Get a Referral: Your GP refers you to a specialist.
  2. Contact Your Insurer: You call your insurance provider to get pre-authorisation for the consultation and any subsequent diagnostics.
  3. Diagnosis and Treatment Plan: The specialist confirms the need for an angioplasty. Their office will then liaise with your insurer to get the procedure itself authorised.
  4. Receive Treatment: Your insurer settles the bills directly with the hospital and the consultant. You are only responsible for paying any excess on your policy.

WeCovr helps clients navigate this process every day, taking the stress out of claims and ensuring you get the full benefit of your policy.

Choosing the Right Private Health Cover for Vascular Health

Not all PMI policies are the same. If you're looking for comprehensive cover that would include procedures like angioplasty, here are some key features to consider:

  • Outpatient Cover: Ensure your policy has a good level of outpatient cover. This pays for the initial specialist consultations and, crucially, the expensive diagnostic scans (like CT or MRAs) needed to diagnose PAD. Some cheaper policies have low limits or no outpatient cover at all.
  • Hospital List: Insurers have different tiers of hospitals they work with. Check that the policy you choose includes reputable hospitals near you with strong vascular departments.
  • Excess: This is the amount you agree to pay towards a claim. A higher excess (£500 or £1,000) can significantly reduce your monthly premium, but you need to be comfortable paying it if you make a claim.
  • Underwriting Type:
    • Moratorium: You don't declare your medical history upfront. The insurer automatically excludes anything you've had issues with 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: You declare your full medical history. The insurer then tells you exactly what is excluded from day one. This provides more certainty.

Comparing policies can be complex. A specialist broker like WeCovr provides a free service to compare the market for you, explaining the pros and cons of policies from all the best PMI providers in the UK, ensuring you get the right cover at a competitive price.

Plus, when you arrange a policy through us, you gain complimentary access to our AI-powered nutrition app, CalorieHero, to support your wellness journey, and you can get discounts on other insurance products like life or income protection cover.

Life After Angioplasty: Wellness and Preventing Recurrence

An angioplasty is a fantastic fix, but it's not a cure for the underlying atherosclerosis. To get the best long-term results and protect your overall cardiovascular health, lifestyle changes are essential.

Your Post-Angioplasty Wellness Plan

  1. Embrace a Heart-Healthy Diet:

    • Focus on a Mediterranean-style diet rich in fruits, vegetables, whole grains, fish, nuts, and olive oil.
    • Reduce your intake of saturated and trans fats found in red meat, processed foods, and baked goods.
    • Cut down on salt to help manage blood pressure.
  2. Get Moving (The Right Way):

    • Your consultant will likely recommend a supervised exercise programme.
    • Walking is one of the best exercises for PAD. The goal is to walk until the claudication pain starts, rest until it subsides, and then start again. This helps your body develop new, smaller blood vessels that bypass the blockages (collateral circulation).
  3. Stop Smoking. Immediately.

    • Smoking is the single biggest risk factor for PAD. It damages the lining of your arteries and accelerates the build-up of plaque. Quitting is the most important thing you can do for your vascular health. The NHS offers excellent free support to help you stop.
  4. Manage Your Numbers:

    • Work with your GP to control your blood pressure, cholesterol, and blood sugar levels (if you have diabetes). Medication is often a key part of this.
  5. Prioritise Sleep:

    • Aim for 7-8 hours of quality sleep per night. Poor sleep is linked to higher blood pressure and inflammation, both of which are bad for your arteries.
  6. Travel with Confidence:

    • After you've recovered, you can usually travel without issue. For long flights, stay hydrated, wear compression stockings if advised, and get up to walk around regularly to keep your circulation moving.

Our high customer satisfaction ratings show that clients value our holistic approach, which includes not just finding the right insurance but also providing resources to support a healthier life.

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

Generally, if you already have a diagnosis of PAD, it will be considered a pre-existing condition and will be excluded from cover on a new private medical insurance policy. UK PMI is designed to cover new, acute conditions that arise after your policy begins. However, a policy could still be valuable for covering other unrelated health conditions that might occur in the future.

How much does a private leg angioplasty and stent cost in the UK?

If you are paying for the procedure yourself (self-funding), the cost for a private leg angioplasty with a stent in the UK typically ranges from £6,000 to £11,000 as of 2025. This price usually includes consultant fees, hospital costs, the stent itself, and a follow-up appointment. It's important to get a fixed-price, all-inclusive quote from the hospital beforehand.

Does private medical insurance cover the cost of stents?

Yes, if the angioplasty procedure itself is eligible for cover under your policy (i.e., it's for a new, acute condition not a pre-existing one), then the cost of any necessary stents used during that procedure is almost always covered as part of the treatment. Stents are considered a standard medical device integral to the surgery.

Take Control of Your Health Journey

Waiting months in pain and uncertainty for an essential procedure is a difficult prospect. Private healthcare offers a clear, fast, and patient-focused alternative. Whether you choose to self-fund or use private medical insurance, you are investing in your immediate well-being and long-term quality of life.

Ready to explore your private healthcare options and find a plan that protects you against future waiting lists?

Get your free, no-obligation quote from WeCovr today. Our expert advisors will compare the UK's leading insurers to find the perfect cover for your needs and budget.


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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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