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Average Family Private Health Insurance Cost UK

Average Family Private Health Insurance Cost UK 2025

As an FCA-authorised broker that has helped arrange over 800,000 policies, we at WeCovr understand that protecting your family’s health is your top priority. This guide explores the costs of private medical insurance (PMI) in the UK, helping you make an informed decision for your loved ones.

WeCovr's guide to PMI pricing for families of three, four or more

Navigating the world of private health insurance can feel daunting, especially when trying to budget for your entire family. You want the peace of mind that comes with fast access to high-quality medical care, but you also need a policy that makes financial sense.

This comprehensive guide breaks down everything you need to know about the average cost of family private health insurance in the UK. We’ll explore the factors that influence your premium, show you how to get the best value, and explain what is and isn't covered.

What is Family Private Medical Insurance (PMI)?

Think of Private Medical Insurance as a healthcare safety net, running alongside the fantastic service provided by our NHS. It's a policy you pay for, either monthly or annually, that covers the cost of private medical treatment for acute conditions.

An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and from which you are expected to make a full recovery. Examples include joint-pain requiring a hip replacement, cataracts, or hernias.

Crucially, it's vital to understand what PMI does not cover:

  • Pre-existing conditions: Any illness or injury you or your family members had before taking out the policy.
  • Chronic conditions: Long-term illnesses that require ongoing management rather than a curative treatment, such as diabetes, asthma, or high blood pressure.

A family policy simply bundles cover for you, your partner, and your children under a single plan, often at a more favourable price than buying individual policies.

Why Consider Family Health Insurance in the UK?

While the NHS provides excellent care, it is currently facing unprecedented pressure. According to the latest NHS England data from mid-2024, the total waiting list for consultant-led elective care stood at over 7.5 million treatment pathways. For parents, this can mean long, worrying waits for diagnosis and treatment for their children.

Family PMI offers a solution, providing significant benefits:

  • Faster Access to Treatment: Bypass long waiting lists for specialist consultations, diagnostic scans (like MRI and CT), and surgery. This means your child could be seen and treated in days or weeks, not months or years.
  • Choice and Control: You can often choose the specialist, consultant, and hospital where your family receives treatment.
  • Comfort and Privacy: Treatment is typically in a private hospital with an en-suite room. This often means a parent can stay comfortably overnight with their child, reducing stress for everyone.
  • Access to Specialist Care: Get quick referrals to leading paediatric specialists.
  • Peace of Mind: Knowing you have a plan in place to get your family back on their feet quickly is invaluable for parents.

Average UK Family Health Insurance Costs in 2025

So, how much can you expect to pay? The cost of family PMI varies widely based on the factors we'll explore below. However, to give you a general idea, we've compiled some illustrative monthly premium estimates for 2025.

These figures are averages for non-smokers on a standard moratorium underwriting basis, with a mid-range excess (around £250 per person per year).

Family CompositionBasic Cover (In-patient only)Mid-Range Cover (Incl. some out-patient)Comprehensive Cover (Incl. therapies, full out-patient)
Family of 3 (2 adults aged 35, 1 child aged 5)£85 - £120£140 - £220£230 - £350+
Family of 4 (2 adults aged 40, 2 children aged 8 & 12)£110 - £160£180 - £280£290 - £450+

Disclaimer: These are estimated costs for illustrative purposes only. Your actual premium will depend on your unique circumstances and the specific policy you choose. The best way to get an accurate figure is to get a personalised quote.

What Factors Determine Your Family's PMI Premium?

Your family's premium isn't just one number; it's a calculation based on several key factors. Understanding these will empower you to build a policy that fits your budget.

  1. Age of Family Members: Age is the single biggest factor. The older the insured members, the higher the statistical likelihood of needing treatment, so the premium will be higher. Children's premiums are generally low and stable until they reach their late teens or early 20s.

  2. Your Location (Postcode): Where you live matters. Private medical costs vary across the country, with treatment in Central London and the South East being the most expensive. Insurers use "postcode banding" to reflect this, so a family in Manchester will typically pay less than an identical family in Kensington for the same cover.

  3. Level of Cover: This is where you have the most control.

    • Basic: Covers in-patient and day-patient treatment only (when you need a hospital bed).
    • Mid-Range: Adds a set limit for out-patient diagnostics and consultations (e.g., up to £1,000).
    • Comprehensive: Offers full cover for in-patient and out-patient treatment, often including therapies.

  4. Excess Level: The excess is the amount you agree to pay towards the cost of a claim each year. It works just like car insurance. A higher excess means you take on more of the initial risk, so the insurer rewards you with a lower premium. Excesses typically range from £0 to £1,000.

  5. Hospital List: Insurers offer different tiers of hospital access.

    • Local/Trust: A limited list of hospitals, often excluding major city centres.
    • Nationwide: A broad choice of private hospitals across the UK.
    • Premium: Includes top-tier hospitals, usually in Central London. If you don't need access to the most expensive London facilities, you can save a significant amount.

  6. Underwriting Method: This is how the insurer assesses your medical history.

    • Moratorium (Most Common): You don't declare your medical history upfront. Instead, the insurer automatically excludes treatment for any condition you've had symptoms, advice, or treatment for in the five years before joining. However, if you remain trouble-free from that condition for two continuous years after your policy starts, it may become eligible for cover.
    • Full Medical Underwriting (FMU): You complete a detailed health questionnaire for your family. The insurer then gives you a list of specific, permanent exclusions based on your declared history. This provides certainty from day one but can be more complex.

  7. Optional Extras: Adding more benefits will increase the cost. Common extras include:

    • Mental Health Cover: Provides access to psychiatrists and therapists.
    • Dental & Optical Cover: Helps with routine check-ups, treatments, and glasses.
    • Therapies Cover: Pays for services like physiotherapy, osteopathy, and chiropractic treatment.

  8. Family Discounts: Many insurers actively court families with attractive offers. Look out for providers who offer free cover for children after the first or second paying child, or cover for newborns at no extra cost for the first year. A specialist PMI broker like WeCovr can help you find these deals.

Understanding Different Levels of Family Cover

To help you visualise the difference, here is a breakdown of what you might expect from each tier of private health cover.

FeatureBasic CoverMid-Range CoverComprehensive Cover
In-patient & Day-patient Treatment✅ Fully Covered✅ Fully Covered✅ Fully Covered
Cancer Cover✅ Included as standard (often with access to latest drugs)✅ Included as standard (often with access to latest drugs)✅ Included as standard (often with access to latest drugs)
Out-patient Consultations & Scans❌ Not included (or very limited)🟨 Covered up to a set annual limit (e.g., £1,000)✅ Fully Covered
Mental Health Support❌ Usually an add-on🟨 May be included as an add-on or with limits✅ Often included with higher limits or as a core benefit
Therapies (Physio, Osteo, etc.)❌ Usually an add-on🟨 May be included as an add-on or with limits✅ Often included as a core benefit
Hospital List📍 Usually a more restricted, local list🌍 A wider nationwide list, excluding some premium hospitals🇬🇧 Full nationwide list, often including premium London hospitals

How to Reduce Your Family Health Insurance Costs

Securing great cover doesn't have to mean breaking the bank. There are several smart ways to manage your premium while retaining the benefits that matter most to your family.

  1. Increase Your Excess: The simplest way to lower your premium. Choosing a £500 excess instead of £100 could reduce your cost by 20-30%.
  2. Choose a "Guided" Option: Some insurers offer a "guided consultant" or "expert select" path. In exchange for a lower premium, you agree to let the insurer choose the specialist from their approved list. This ensures quality while managing costs.
  3. Opt for the "6-Week Wait" Option: This is a brilliant cost-saving feature. If the NHS can provide the in-patient treatment you need within six weeks of it being recommended, you use the NHS. If the wait is longer, your private policy kicks in. As this reduces the number of claims, it can lower your premium by up to 25%.
  4. Review Your Hospital List: Be realistic about which hospitals you are likely to use. If you live in Scotland, you probably don't need cover for expensive private hospitals in London. Tailoring your list can lead to big savings.
  5. Look for Family-Friendly Deals: As mentioned, some insurers offer free cover for younger children. An independent broker is best placed to find these offers across the market.
  6. Pay Annually: If you can, paying your premium in one annual lump sum can sometimes secure a small discount compared to paying monthly.
  7. Use an Expert Broker: This is arguably the most effective tip. A broker like WeCovr does the hard work for you. We compare policies from all the leading UK providers (like Aviva, Bupa, AXA Health, and Vitality) to find the perfect balance of cover and cost for your family. Our service is completely free to you, as we are paid by the insurer you choose.

A Critical Note on Pre-existing and Chronic Conditions

We cannot stress this enough: standard private medical insurance in the UK is designed for new, acute conditions that arise after your policy has started.

  • It will not cover a pre-existing heart condition you were diagnosed with three years ago.
  • It will not cover the ongoing management of a chronic condition like diabetes or asthma.
  • It will not cover monitoring for a long-term illness.

The NHS remains the right and only place for the care of chronic and pre-existing conditions. PMI is there to give you choice, speed, and comfort for new, treatable health issues that crop up unexpectedly.

The WeCovr Advantage: More Than Just a Policy

When you choose to explore your family PMI options with WeCovr, you get more than just a price comparison. You get a dedicated partner in your family's health and wellbeing journey.

  • Expert, Impartial Advice: As an FCA-authorised broker, our primary duty is to you, the customer. We're not tied to any single insurer, so our advice is always unbiased and focused on your needs.
  • Whole-of-Market Comparison: We have access to policies from all the major UK health insurers, ensuring you see the best options available.
  • Value-Added Benefits: We believe in proactive health. That’s why all WeCovr customers who take out a private medical or life insurance policy receive complimentary access to CalorieHero, our powerful AI-driven calorie and nutrition tracking app, helping your family build healthy habits.
  • Loyalty Discounts: We value our customers. If you hold a PMI or life insurance policy with us, you'll be eligible for exclusive discounts on other types of cover you might need.
  • Trusted Service: Our high customer satisfaction ratings are a testament to our commitment to providing clear, friendly, and effective guidance.

Wellness & Health Tips for UK Families

A health insurance policy is for when things go wrong, but focusing on wellness can help keep your family thriving. Here are some simple, practical tips.

  • Eat the Rainbow: Use the NHS Eatwell Guide as a template for balanced family meals. Cooking together can be a fun activity and teaches children valuable life skills. Aim for five portions of fruit and veg a day.
  • Get Active Together: You don't need an expensive gym membership. Family walks in a local park, weekend bike rides, or joining a scheme like Parkrun are free and effective. The NHS's Change4Life website has hundreds of great ideas for getting kids moving.
  • Prioritise Sleep: A consistent bedtime is crucial for children's development and adults' mental health. The NHS recommends 9-12 hours of sleep for school-age children and 7-9 hours for adults. Create a relaxing, screen-free wind-down routine an hour before bed.
  • Talk About Feelings: Mental wellbeing is just as important as physical health. Create an open environment where your children feel safe to talk about their worries. Resources like YoungMinds and the NHS's Every Mind Matters campaign offer fantastic support for families.

Finding the right health insurance is a key step in protecting what matters most. By understanding the costs, cover levels, and cost-saving tricks, you can secure valuable peace of mind for your family's future.

Can I add a newborn baby to my family health insurance policy?

Yes, absolutely. Most UK insurers make it easy to add a new baby to an existing family policy. Many providers even offer free cover for the baby until the next policy renewal date, or sometimes for the entire first year. It is important to inform your insurer within a few months of the birth to take advantage of these offers and ensure the baby is covered without needing medical underwriting.

Do I need to declare my family's entire medical history?

It depends on the type of underwriting you choose. With 'Moratorium' underwriting, you don't need to declare your history upfront; any condition from the past 5 years is automatically excluded for a 2-year waiting period. With 'Full Medical Underwriting', you will need to complete a health questionnaire for all family members. This provides more certainty about what is and isn't covered from the start.

Does family private medical insurance cover pregnancy and childbirth?

Generally, standard UK PMI policies do not cover routine pregnancy and childbirth. The NHS provides comprehensive maternity care. However, some more comprehensive policies may offer cover for certain complications of pregnancy and childbirth. If this is important to you, you should check the policy details carefully or speak to an advisor who can highlight policies with specific maternity benefits.

Is private health insurance worth it for a family in the UK?

This is a personal decision that depends on your family's priorities and financial situation. For many, the value lies in the peace of mind that comes from knowing you can bypass long NHS waiting lists, choose your specialist, and receive treatment in a private, comfortable setting. Given the current pressures on the NHS, many families find PMI provides an invaluable sense of security for their children's health and their own.

Ready to find the right health cover for your family? Get a free, no-obligation quote from WeCovr today. Our expert advisors will compare the market to find a policy that fits your family's 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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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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