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Average Cost of Private Health Insurance in the UK 2025 Data

Average Cost of Private Health Insurance in the UK 2025 Data

As an FCA-authorised expert with over 800,000 customers helped, WeCovr provides this definitive 2025 guide to the average cost of private medical insurance (PMI) in the UK. We’ll explore the real-world prices you can expect to pay and reveal powerful strategies for securing comprehensive cover without overpaying.

WeCovr breaks down the real-world average PMI costs and how to lower them

Navigating the world of private health insurance can feel like a maze of premiums, policy options, and medical jargon. With NHS waiting lists remaining a significant concern for millions across the UK, more people than ever are considering private medical insurance for peace of mind and faster access to treatment.

But the single biggest question we hear is: "How much does it actually cost?"

This guide cuts through the noise. We will provide clear, data-driven answers based on 2025 market analysis, helping you understand the average costs, the factors that influence your personal premium, and, most importantly, how to get the best possible value for your money.

What is the Average Cost of Private Health Insurance in the UK in 2025?

Based on our analysis of the UK market, the average monthly premium for a comprehensive private health insurance policy in 2025 is estimated to be between £60 and £95 per month for a healthy individual in their 30s or 40s.

However, this is just a benchmark. The price you pay is highly personal and can range from as little as £30 per month for a young person with a basic policy to over £200 for an older individual seeking comprehensive cover.

To give you a clearer picture, here is a breakdown of estimated average monthly costs by age for a mid-range policy.

Age GroupEstimated Average Monthly Premium (2025)
20-29£35 - £55
30-39£50 - £75
40-49£65 - £95
50-59£90 - £140
60-69£130 - £220
70+£180 - £300+

Disclaimer: These figures are estimates for 2025 based on current market trends for a standard, mid-level policy with a £250 excess. Your individual quote will vary based on the factors detailed below.

What Factors Determine Your Private Health Insurance Premium?

Your premium is not a one-size-fits-all figure. Insurers use a sophisticated risk calculation based on several key factors. Understanding these is the first step to controlling your costs.

1. Age - The Biggest Driver of Cost

This is the most significant factor. As we get older, the statistical likelihood of needing medical treatment increases, and so does the insurance premium. Insurers price policies based on the risk of a claim being made, and age is the primary indicator of that risk. A 55-year-old will almost always pay more than a 25-year-old for the same level of cover.

2. Location - The Postcode Lottery

Where you live directly impacts your premium. Private medical treatment costs vary significantly across the UK. Hospitals in Central London and the South East, for example, have higher running costs, which are passed on to insurers and, ultimately, to customers.

Here's an illustrative example of how location can affect a premium for a 40-year-old on a comprehensive plan:

LocationEstimated Monthly Premium
Central London£110
Manchester£85
Rural Scotland£70
Cornwall£75

3. Level of Cover - Customising Your Policy

You have significant control over your policy's breadth and depth, which directly affects the price. Policies are generally tiered:

  • Basic/Core Cover: This is the most affordable option. It typically covers costs for in-patient and day-patient treatment – essentially, any procedure where you need a hospital bed. It usually includes cancer care as standard.
  • Mid-Range Cover: This includes everything in a basic policy plus a specified level of out-patient cover. Out-patient cover pays for diagnostic tests, scans (like MRI and CT), and specialist consultations that don't require a hospital bed.
  • Comprehensive Cover: This is the top tier. It offers extensive in-patient and out-patient cover, often with higher financial limits or even unlimited cover. It may also include additional benefits like mental health support, dental and optical cover, and alternative therapies (osteopathy, physiotherapy).

4. Policy Excess - Sharing the Cost

An 'excess' is the amount you agree to pay towards a claim before the insurer pays the rest. It's a standard feature of most insurance policies, from car to home insurance.

Choosing a higher excess is one of the most effective ways to lower your monthly premium.

For example, increasing your excess from £100 to £500 could reduce your premium by 20-30%.

Excess AmountImpact on Monthly Premium
£0 or £100Highest Premium
£250Standard, balanced cost
£500Significant premium reduction
£1,000Largest premium reduction

You typically only pay the excess once per policy year, even if you make multiple claims.

5. Hospital List - Choosing Your Treatment Network

Insurers have agreements with networks of private hospitals. They offer different 'hospital lists' you can choose from, which affects your price:

  • Local List: Restricts you to a select number of hospitals in your local area. This is the cheapest option.
  • National List: Gives you access to a wide range of private hospitals across the UK, but usually excludes the most expensive ones in Central London. This is the most popular choice.
  • Premium/London List: Includes the top-tier private hospitals in Central London, such as The London Clinic or The Lister Hospital. This is the most expensive option.

6. Underwriting Method - How Your Medical History is Treated

This is a critical concept to understand. Underwriting is how an insurer assesses your medical history to decide what they will and won't cover.

Crucial Point: Standard UK private medical insurance is designed to cover acute conditions (illnesses that are short-term and curable, like a joint injury or cataracts) that arise after you take out the policy. It does not cover chronic or pre-existing conditions.

  • Chronic Condition: A long-term illness that cannot be cured, only managed (e.g., diabetes, asthma, high blood pressure, arthritis).
  • Pre-existing Condition: Any illness, injury, or symptom you have had in the years before taking out your policy (usually the last 5 years).

There are two main types of underwriting:

  1. Moratorium (Most Common): You don't declare your full medical history upfront. Instead, the policy automatically excludes treatment for any medical condition you've had symptoms, advice, or treatment for in the five years before joining. However, if you go two full, continuous years on the policy without needing any treatment, advice, or medication for that condition, it may become eligible for cover.
  2. Full Medical Underwriting (FMU): You complete a detailed health questionnaire when you apply. The insurer assesses your medical history and tells you exactly what is excluded from your policy from day one. This provides certainty but can be a longer process.

Real-World Examples of PMI Costs in 2025

To make this more tangible, let's look at some personas. These are illustrative quotes to show how the factors combine.

Persona 1: Sarah, 32, a Graphic Designer in Leeds Non-smoker, healthy, looking for a good balance of cover and cost.

Policy LevelExcessHospital ListEstimated Monthly Cost
Basic£500National£42
Mid-Range£250National£68
Comprehensive£100National£95

Persona 2: David and Emily, 45 and 43, a Couple in Brighton Both non-smokers, want cover for themselves and peace of mind for out-patient diagnostics.

Policy LevelExcessHospital ListEstimated Monthly Cost (Total)
Mid-Range£250National£145

Persona 3: Robert, 66, a Retiree in Edinburgh Wants comprehensive cover, including access to the best specialists and a low excess.

Policy LevelExcessHospital ListEstimated Monthly Cost
Comprehensive£100National£215

10 Smart Ways to Reduce the Cost of Your Private Health Cover

Now for the most important part: how to actively lower your premium.

  1. Increase Your Excess: As shown above, this is the quickest way to see a significant price drop. Choose an amount you could comfortably afford to pay if you needed to make a claim.
  2. Opt for a 6-Week Wait Option: This is a brilliant cost-saving feature. Your policy will only cover treatment if the waiting time for that procedure on the NHS is longer than six weeks. If the NHS can treat you within six weeks, you use the NHS. This can reduce your premium by up to 25%.
  3. Choose a 'Guided' Option: Many leading insurers now offer 'guided' or 'expert select' pathways. This means that instead of choosing your own specialist, the insurer provides you with a shortlist of 2-3 high-quality, pre-approved consultants. This helps insurers manage costs and they pass the savings on to you.
  4. Review Your Out-patient Cover: Do you need unlimited out-patient cover? Often, a mid-range policy with cover up to £1,000-£1,500 for diagnostics is more than enough for most people and is much cheaper than an unlimited plan.
  5. Limit Your Hospital List: If you are happy to be treated at excellent local private hospitals, you don't need to pay extra for a list that includes premium London facilities.
  6. Pay Annually: Most insurers offer a discount (typically around 5%) if you pay for your policy in one annual lump sum instead of by monthly direct debit.
  7. Add a Co-payment: Some policies allow you to add a co-payment option. This is where you agree to pay a percentage (e.g., 10% or 20%) of every claim, usually up to a certain cap. It works alongside your excess to reduce the premium.
  8. Build a No-Claims Discount (NCD): Similar to car insurance, most PMI policies include an NCD. For every year you don't make a claim, your discount increases, which helps to offset age-related price rises at renewal.
  9. Engage with Wellness Programmes: Insurers like Vitality and Bupa actively reward healthy living. By tracking your activity, getting health checks, and engaging with their apps, you can earn significant discounts on your renewal premium, as well as rewards like free coffee and cinema tickets.
  10. Use an Expert PMI Broker like WeCovr: This is the single most effective strategy. A specialist broker doesn't just give you one price; they compare the entire market for you. At WeCovr, our expert advisors understand the nuances of every policy from every major UK provider. We can build a bespoke policy that includes the cover you need and removes what you don't, ensuring you get the absolute best value. Our service is completely free to you.

Is Private Health Insurance Worth It in the UK?

With NHS waiting lists for consultant-led elective care in England involving over 7.5 million treatment pathways as of early 2025, the value of PMI has never been clearer.

The benefits go beyond simply "skipping the queue":

  • Speed: Get a diagnosis and start treatment in a matter of weeks, not months or years.
  • Choice: Choose your surgeon, your specialist, and the hospital where you are treated.
  • Comfort: Recover in a private room with an en-suite bathroom, flexible visiting hours, and better food.
  • Access to Treatment: Gain access to new drugs or treatments that may not be available on the NHS due to funding decisions.
  • Peace of Mind: Knowing that if the worst happens, you have a plan in place to get the best possible care, quickly.

Beyond the Premium: Added Benefits and Wellness Perks

Modern private health insurance is about more than just hospital treatment. Most policies now come packed with value-added benefits you can use every day:

  • Digital GP: 24/7 access to a GP via phone or video call, often with the ability to get prescriptions sent directly to your local pharmacy.
  • Mental Health Support: Access to counselling sessions, support phonelines, and digital tools for mental wellbeing, often without needing a GP referral.
  • Health and Wellness Apps: Tools to help you manage your diet, fitness, and overall health. As a WeCovr client, you get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to support your health journey.
  • Member Discounts: Many insurers offer discounts on gym memberships, fitness trackers, and healthy food.

Furthermore, when you purchase a PMI or life insurance policy through WeCovr, you can benefit from discounts on other types of cover you may need, such as income protection or critical illness insurance.

What Private Health Insurance Does NOT Cover

It is just as important to understand what is excluded from a standard PMI policy. This prevents surprises if you ever need to claim.

Common exclusions include:

  • Pre-existing and Chronic Conditions: As explained earlier, PMI is for new, acute conditions.
  • Accident & Emergency (A&E): Emergency care remains the domain of the NHS.
  • Routine Pregnancy and Childbirth: Normal pregnancy is not covered, though complications may be.
  • Cosmetic Surgery: Procedures that are not medically necessary.
  • Drug and Alcohol Misuse: Treatment for addiction is typically excluded.
  • Infertility Treatment: IVF and other fertility procedures are usually not covered.
  • Self-inflicted Injuries: Any harm resulting from deliberate self-harm.

Is it cheaper to get private medical insurance when I'm young?

Yes, absolutely. The younger and healthier you are when you first take out a policy, the lower your premium will be. It also means you are less likely to have pre-existing conditions that would be excluded from cover. Starting young allows you to lock in comprehensive cover and build up a no-claims discount over many years.

Can I add my family to my private health insurance policy?

Yes, all major UK insurers allow you to add your partner and your children (usually up to the age of 21, or 25 if they are in full-time education) to your policy. While this increases the overall premium, insuring a family on one policy is often cheaper than buying individual policies for everyone.

Do I have to have a medical exam to get private health insurance?

Generally, no. For the vast majority of people, a medical examination is not required to get private medical insurance in the UK. If you choose Moratorium underwriting, you won't even have to answer many medical questions. If you opt for Full Medical Underwriting, you will need to fill out a health questionnaire, but a physical exam is very rare.

Why should I use a broker like WeCovr instead of going directly to an insurer?

Using an expert, independent broker like WeCovr has several key advantages. Firstly, we compare the whole market, not just one company's products, ensuring you see all your options. Secondly, our advice is impartial and tailored to your specific needs and budget. Thirdly, we understand the complex policy details and can help you avoid pitfalls. Finally, our service is completely free to you, as we are paid a commission by the insurer you choose. You get expert advice and market comparison at no extra cost.

Take Control of Your Health Today

Ready to find out your personalised private health insurance cost? Don't navigate the complex market alone. The expert, FCA-authorised advisors at WeCovr can compare leading UK providers in minutes to find a policy that fits your needs and budget—at no extra cost to you.

Get your free, no-obligation quote today and secure the peace of mind you deserve.

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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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Any questions?

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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