Asthma Private Management Options
WeCovr explains asthma treatments and private healthcare support
Living with asthma in the UK means navigating a well-established NHS care pathway. But what if you want faster access to specialists or more control over your healthcare choices? As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr explains how private medical insurance can complement your NHS care.
Asthma affects millions in the UK, and while the NHS provides excellent, comprehensive care, private healthcare offers a valuable alternative for specific situations. This guide breaks down what private medical insurance (PMI) can and cannot do for asthma, helping you make an informed decision about your health.
A Critical Point: Asthma, Chronic Conditions, and Private Health Insurance
Before we explore the options, it's crucial to understand a fundamental principle of the UK's private medical insurance market.
Standard private health cover is designed for acute conditions. An acute condition is a disease or illness that is short-lived and expected to respond quickly to treatment, leading to a full recovery. Think of conditions like a hernia, cataracts, or a joint injury.
Asthma, by its very nature, is a chronic condition. This means it is a long-term illness that can be managed but not typically cured.
Because of this, standard private medical insurance policies in the UK do not cover the routine, day-to-day management of chronic conditions like asthma. This includes:
- Regular GP or nurse check-ups.
- The cost of routine prescriptions, such as your preventer and reliever inhalers.
- Ongoing monitoring that is part of your standard care plan.
Similarly, if you already have a diagnosis of asthma when you take out a policy, it will be classed as a pre-existing condition and will be excluded from cover.
So, where can private healthcare help? It offers valuable support for two key scenarios:
- New Diagnosis: If you develop asthma-like symptoms for the first time after your policy has started, PMI can provide a rapid route to diagnosis.
- Acute Flare-Ups: Some comprehensive policies may provide cover for an unexpected and severe worsening (an 'acute exacerbation') of your asthma that requires specialist intervention or a hospital stay.
Understanding this distinction is key to seeing how PMI can fit into your overall asthma management strategy.
What is Asthma? A UK Snapshot
Asthma is a common lung condition that causes occasional breathing difficulties. It affects people of all ages and often starts in childhood, although it can also develop in adults.
The main symptoms of asthma are:
- Wheezing (a whistling sound when you breathe)
- Breathlessness
- A tight chest
- Coughing
These symptoms are caused by inflammation and narrowing of the small tubes (bronchioles) in the lungs. When an asthma sufferer comes into contact with a trigger, the airways can become even more inflamed, swollen, and filled with mucus, leading to an 'asthma attack'.
Asthma in the UK: The Latest Statistics
According to Asthma + Lung UK, the national picture highlights the scale of the condition:
- 5.4 million people in the UK are currently receiving treatment for asthma. That's 1 in every 12 adults and 1 in every 11 children.
- Tragically, around 4 people die from an asthma attack every day in the UK.
- In 2022, there were over 66,000 hospital admissions for asthma in the UK.
These figures show that while asthma is manageable for most, it remains a serious condition that requires careful and consistent management.
How the NHS Manages Asthma in the UK
The National Health Service (NHS) provides a robust and world-class framework for asthma care, entirely free at the point of use. The typical patient journey involves several key steps:
- Initial Diagnosis: Your journey usually begins at your local GP surgery. A doctor or practice nurse will ask about your symptoms, listen to your chest, and may perform simple breathing tests like spirometry or a peak flow test.
- Personal Action Plan: Once diagnosed, you will work with your GP or an asthma nurse to create a personal asthma action plan. This vital document outlines your daily treatments, how to recognise worsening symptoms, and what to do in an emergency.
- Regular Reviews: You should have an asthma review at least once a year to check that your condition is well-controlled, your inhaler technique is correct, and your treatment plan is still appropriate.
- Prescriptions: Your GP will prescribe your inhalers. In England, there is a standard prescription charge unless you qualify for an exemption. Prescriptions are free of charge in Scotland, Wales, and Northern Ireland.
- Specialist Referral: If your asthma is severe, difficult to diagnose, or not responding to standard treatments, your GP can refer you to a specialist respiratory consultant at an NHS hospital.
- Emergency Care: For a severe asthma attack, the NHS provides urgent care through A&E departments and ambulance services.
While the quality of NHS care is high, the system can face pressures. Waiting times for referrals to specialist consultants can sometimes be lengthy, which is one of the primary reasons individuals consider private options.
How Private Medical Insurance Can Support Your Asthma Journey
While PMI won't cover your day-to-day asthma care, it can provide significant benefits at critical moments, offering speed, choice, and comfort.
Here’s where a private health cover plan can make a real difference:
1. Rapid Diagnosis for New Symptoms
Imagine you're an adult with no history of lung problems, and you suddenly start experiencing wheezing and shortness of breath. While your GP is the first port of call, getting a definitive diagnosis on the NHS might involve a waiting period for specialist tests.
With private medical insurance, your GP can provide an open referral to a private respiratory consultant. You could be seen within days, not weeks or months. This speedy access to a specialist can provide quick reassurance, rule out other serious conditions, and get you on the right treatment path faster.
2. Choice of Specialist and Hospital
The private sector is home to many of the UK's leading respiratory specialists. A PMI policy often gives you the freedom to choose the consultant you want to see and the private hospital where you want to be treated. This could be a hospital closer to your home or work, or one renowned for its respiratory medicine department.
3. Access to Advanced Diagnostics
A private consultant can quickly arrange for a comprehensive suite of diagnostic tests to understand your condition fully.
| Diagnostic Test | Purpose |
|---|---|
| Detailed Spirometry | Measures how much air you can breathe in and out, and how fast. |
| FeNO Testing | Measures the level of nitric oxide in your breath, an indicator of airway inflammation. |
| Allergy Testing | Skin prick or blood tests to identify specific triggers like pollen, dust mites, or animal dander. |
| Chest X-ray / CT Scan | To rule out other lung conditions or check for complications. |
| Bronchial Challenge Test | Confirms a diagnosis by seeing how your airways react to a specific substance. |
Having these tests done promptly can be crucial for an accurate diagnosis and creating an effective treatment plan from the outset.
4. Managing Acute Flare-Ups
This is a nuanced but important benefit. Some more comprehensive PMI policies may offer cover for the treatment of an 'acute exacerbation' of a chronic condition. If your asthma, previously stable, suddenly becomes severe and requires hospitalisation to stabilise, your policy might cover the cost of a private room, specialist care, and the necessary treatments during that acute phase.
It is vital to check the specific wording of your policy document, as cover for this varies significantly between insurers. An expert PMI broker, like WeCovr, can help you compare policies and understand the fine print on chronic condition support.
Table: NHS vs. Private Healthcare for New Respiratory Issues
| Feature | NHS Pathway | Private Pathway (with PMI) |
|---|---|---|
| Initial Consultation | Appointment with your GP. | Appointment with your GP for a referral. |
| Specialist Referral | Join a waiting list for a respiratory consultant. | See a consultant of your choice, often within days. |
| Diagnostic Tests | May involve waiting for appointments for specific tests. | Tests are arranged quickly, often at the same facility. |
| Treatment Environment | NHS hospital, potentially on a shared ward. | Private hospital, usually in a private en-suite room. |
| Choice of Specialist | Seen by the consultant on duty or with the shortest list. | You can choose a specific, leading specialist. |
| Follow-up | Follow-up appointments are scheduled based on clinical need and availability. | Swift and convenient follow-up appointments. |
Finding the Best PMI Provider for Your Needs
If you have asthma, choosing the right type of policy underwriting is essential.
-
Moratorium Underwriting: This is the most common type. The insurer will not ask for your full medical history upfront. Instead, they will automatically exclude cover for any condition for which you have had symptoms, medication, or advice in the 5 years before your policy starts. For asthma, this means it would be excluded from the start. However, if you remain completely free of symptoms and receive no treatment or advice for it for a continuous 2-year period after your policy begins, the insurer may consider covering it in the future.
-
Full Medical Underwriting (FMU): With FMU, you provide a detailed health questionnaire when you apply. The insurer assesses your history and gives you a clear statement of what is and is not covered from day one. If you declare asthma, the insurer will place a specific exclusion on it and any related conditions. This provides certainty but means asthma will never be covered.
An independent broker can be invaluable here. The team at WeCovr has deep knowledge of the market and can help you navigate the offerings from top UK insurers like Aviva, Bupa, AXA Health, and Vitality to find a policy that aligns with your health needs and budget, all at no extra cost to you.
Wellness Programmes and Digital Health Support
Modern private medical insurance UK policies are about more than just treating illness; they are increasingly focused on promoting wellness. These added-value benefits can be particularly helpful for managing a condition like asthma.
- Digital GP Services: Most major insurers offer 24/7 access to a virtual GP via phone or video call. This is perfect for getting quick advice about a cough or a change in symptoms without waiting for a surgery appointment.
- Mental Health Support: Stress is a known trigger for asthma attacks. PMI policies often include access to confidential counselling and mental health support lines, helping you manage stress and anxiety.
- Nutrition and Diet Advice: Some policies provide access to nutritionists who can help you identify potential dietary triggers for your asthma and develop a healthier eating plan.
- Fitness Incentives: Insurers like Vitality actively reward you for being healthy, offering discounts on gym memberships, fitness trackers, and healthy food. Regular, appropriate exercise can improve lung function and overall health.
As a WeCovr client, you also get complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. This can be a brilliant tool for monitoring your diet and identifying any foods that might be influencing your asthma symptoms. Furthermore, purchasing PMI through us can unlock discounts on other vital cover, such as life insurance or income protection.
Proactive Lifestyle Steps to Manage Your Asthma
While medical care is essential, you have the power to influence your asthma control through everyday choices.
Your Home Environment
- Reduce Dust Mites: Use allergen-proof covers on your mattress and pillows. Wash bedding weekly at 60°C.
- Control Damp and Mould: Ensure good ventilation, especially in kitchens and bathrooms, to prevent mould growth.
- Consider Air Purifiers: A HEPA (High-Efficiency Particulate Air) filter can remove airborne allergens like pollen, pet dander, and dust.
- Go Fragrance-Free: Scented candles, air fresheners, and strong cleaning products can irritate the airways.
Diet and Nutrition
While there's no specific "asthma diet," some people find certain foods can trigger symptoms. Keeping a food diary can help you spot patterns. Eating a balanced diet rich in fruit, vegetables, and oily fish can help reduce inflammation in the body.
Exercise
Regular physical activity is great for your lungs and overall health.
- Always warm up properly before starting.
- Keep your reliever inhaler with you at all times.
- Choose activities that are less likely to trigger symptoms, such as swimming, walking, or yoga.
- Avoid exercising outdoors when pollen counts or pollution levels are high.
Travel
Don't let asthma hold you back from exploring the world.
- Visit your GP or asthma nurse before you travel to review your action plan.
- Pack double the amount of medication you think you'll need, and carry it in your hand luggage.
- Take a copy of your prescription and your personal action plan.
- Ensure you have comprehensive travel insurance that covers your pre-existing asthma.
What are the Costs of Private Asthma Treatment?
To understand the value of private medical insurance, it's helpful to see the potential out-of-pocket costs for private respiratory care. These are indicative costs and can vary by location and specialist.
| Service | Estimated Private Cost (UK) |
|---|---|
| Initial Respiratory Consultant Consultation | £250 – £400 |
| Follow-up Consultation | £150 – £250 |
| Full Lung Function Tests (Spirometry etc.) | £300 – £600 |
| Allergy Skin Prick Test | £250 – £500 |
| Chest X-ray | £100 – £200 |
| Private Hospital Stay (per night) | £700 – £1,500+ |
A single episode of investigation for new respiratory symptoms could easily cost over £1,000. This is where a private health cover policy, costing a manageable monthly premium, provides both financial protection and peace of mind.
Will private medical insurance cover my routine asthma inhalers?
I was diagnosed with asthma years ago. Can I still get private health insurance?
Can PMI help me get a faster diagnosis if I suddenly develop breathing problems?
What is the difference between moratorium and full medical underwriting for someone with asthma?
Take the Next Step with WeCovr
Navigating the world of private medical insurance can feel complex, especially with a pre-existing condition like asthma. But you don't have to do it alone.
While PMI doesn't replace the excellent day-to-day care provided by the NHS for asthma, it acts as a powerful partner, offering speed, choice, and peace of mind when you need it most—for new diagnoses, acute flare-ups, and a host of other unrelated health concerns.
Ready to explore your options? Get a free, no-obligation quote from WeCovr today. Our friendly, expert advisors will help you compare policies from the UK's leading insurers to find the right private medical insurance UK policy that protects you and your family.
Related guides
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!
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.
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