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AXA Global Health Insurance (IPMI) Guide 2026 Plans, Pricing Factors & Who It Suits

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 14, 2026
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TL;DR

As an experienced broker that has arranged over 900,000 policies of various kinds, WeCovr specialises in helping UK citizens and expatriates navigate the complexities of private medical insurance. This guide offers an authoritative look at AXA Global Healthcare, one of the world's leading international private medical insurance (IPMI) providers. An in-depth guide to AXA Global (AXA Global Healthcare) – plan structure, underwriting, hospital networks, exclusions, claims and how to compare AXA IPMI International Private Medical Insurance (IPMI) is a specialised type of health cover designed for individuals and families living or working outside their home country.

Key takeaways

  • Geographical Scope: IPMI is designed for international use. Plans have defined "areas of cover," such as 'Europe' or 'Worldwide excluding USA,' allowing you to receive treatment in multiple countries. Standard UK PMI is typically limited to treatment within the UK.
  • Comprehensive Cover: IPMI plans are generally more comprehensive than their domestic counterparts. They often include benefits like medical evacuation, repatriation, and wellness checks as standard or as easily added options.
  • Designed for Expats: These policies are built for the expatriate lifestyle, covering everything from routine GP visits and dental care to complex cancer treatment and in-patient hospital stays, wherever you are in your chosen region.
  • Portability: A key feature is portability. If you move from one country to another (within your area of cover), your policy moves with you, providing continuous cover without the need to re-apply.
  • Global Reach: AXA has a vast, directly-billed network of hospitals, clinics, and medical professionals worldwide.

As an experienced broker that has arranged over 900,000 policies of various kinds, WeCovr specialises in helping UK citizens and expatriates navigate the complexities of private medical insurance. This guide offers an authoritative look at AXA Global Healthcare, one of the world's leading international private medical insurance (IPMI) providers.

An in-depth guide to AXA Global (AXA Global Healthcare) – plan structure, underwriting, hospital networks, exclusions, claims and how to compare AXA IPMI

International Private Medical Insurance (IPMI) is a specialised type of health cover designed for individuals and families living or working outside their home country. Unlike domestic private medical insurance in the UK, which is designed for use within the UK, IPMI provides comprehensive medical cover across geographical borders.

AXA is one of the most recognised names in global insurance, and its specialist division, AXA Global Healthcare, offers a range of sophisticated IPMI plans. This guide will break down everything you need to know about their 2026 offerings, helping you decide if AXA is the right choice for your global health needs.

What is International Private Medical Insurance (IPMI)?

Before diving into AXA's specific plans, it's vital to understand what IPMI is and how it differs from standard UK health insurance.

  • Geographical Scope: IPMI is designed for international use. Plans have defined "areas of cover," such as 'Europe' or 'Worldwide excluding USA,' allowing you to receive treatment in multiple countries. Standard UK PMI is typically limited to treatment within the UK.
  • Comprehensive Cover: IPMI plans are generally more comprehensive than their domestic counterparts. They often include benefits like medical evacuation, repatriation, and wellness checks as standard or as easily added options.
  • Designed for Expats: These policies are built for the expatriate lifestyle, covering everything from routine GP visits and dental care to complex cancer treatment and in-patient hospital stays, wherever you are in your chosen region.
  • Portability: A key feature is portability. If you move from one country to another (within your area of cover), your policy moves with you, providing continuous cover without the need to re-apply.

Key takeaway: IPMI is for covering new, acute medical conditions that arise while you are living abroad. It is not for travel insurance (short trips) or for covering pre-existing or chronic conditions.

Who is AXA Global Healthcare?

AXA Global Healthcare is the international health insurance arm of the AXA Group, a French multinational insurance firm with a presence in over 50 countries. They specialise exclusively in providing health cover to people living and working overseas.

Key Facts about AXA Global Healthcare:

  • Global Reach: AXA has a vast, directly-billed network of hospitals, clinics, and medical professionals worldwide.
  • Experience: They have decades of experience managing the complexities of international healthcare, from navigating different medical systems to handling multi-currency claims.
  • 24/7 Support: Their multilingual support teams are available around the clock, providing a crucial service for members who may be in different time zones and facing stressful medical situations.
  • Digital Tools: AXA provides members with access to a secure online portal and app for managing their policy, finding healthcare providers, and submitting claims. This includes access to their Virtual Doctor service.

AXA's reputation is built on financial strength, a global footprint, and a deep understanding of the expatriate market, making them a top-tier choice for many individuals, families, and corporate groups.

Understanding AXA Global's 2026 Plan Structure

AXA structures its offering around a core plan that covers essential, high-cost treatments, with the option to add further benefits. For 2026, their individual and family plans are tiered to suit different needs and budgets.

There are five main levels of cover:

  1. Foundation: Essential, budget-friendly cover for in-patient and day-patient treatment.
  2. Standard: A mid-range plan balancing comprehensive cover with affordability.
  3. Comprehensive: Extensive cover including out-patient benefits like GP and specialist visits.
  4. Prestige: A premium-tier plan offering very high benefit limits and extensive cover.
  5. Prestige Plus: The highest level of cover with minimal limitations for ultimate peace of mind.

Core Cover: What's Included as Standard?

All AXA Global plans are built on a foundation of in-patient and day-patient cover. This is the most critical part of any health insurance policy, as it covers costs associated with being admitted to a hospital.

Here’s what you can typically expect as standard on all plans:

  • Hospital Accommodation: A semi-private room is standard on most plans, with private rooms available on higher-tier plans.
  • Surgeon and Anaesthetist Fees: Covered in full up to the annual plan limit.
  • Specialist Consultations: When you are admitted to hospital.
  • Diagnostic Tests: MRIs, CT scans, and PET scans related to in-patient or day-patient treatment.
  • Cancer Treatment: Comprehensive cover for radiotherapy, chemotherapy, and other cancer-related treatments.
  • Emergency Medical Evacuation: If the necessary treatment isn't available locally, AXA will cover the cost of transporting you to the nearest suitable medical facility.
  • 24/7 Helpline: Access to a multilingual team for medical advice and emergencies.
  • Virtual Doctor Service: Access to a doctor by phone or video call, 24/7, from anywhere in the world.

AXA Global Health Insurance Plans: A 2026 Comparison

To make it easier to understand the differences, here is a simplified breakdown of the main plan tiers. Note that benefit limits are illustrative and should always be confirmed in the policy documents.

FeatureFoundationStandardComprehensivePrestige & Prestige Plus
Annual Limit~£100,000~£1,000,000~£1,500,000Paid in full
In-patient Cover✅ Included✅ Included✅ Included✅ Included
Medical Evacuation✅ Included✅ Included✅ Included✅ Included
Out-patient Cover❌ Not included✅ Included (with limits)✅ Included✅ Included (high limits)
Routine Dental❌ Optional Add-on❌ Optional Add-on❌ Optional Add-on✅ Included
Maternity Cover❌ Optional Add-on❌ Optional Add-on❌ Optional Add-on✅ Included
Wellness & Check-ups❌ Not included❌ Not included✅ Included (with limits)✅ Included (high limits)
Area of CoverEurope or Worldwide Excl. USAEurope or Worldwide Excl. USAEurope or Worldwide (incl. USA)Worldwide (incl. USA)
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Optional Add-ons and Modules

For greater flexibility, AXA allows you to tailor your policy with optional benefits. This is a cost-effective way to get the cover you need without paying for benefits you won't use. Common add-ons include:

  • Out-patient Cover: Essential if you want cover for GP visits, specialist consultations, and diagnostic tests that don't require a hospital stay. This is included as standard on Comprehensive and Prestige plans but is a vital add-on for Standard plans.
  • Dental Cover: Provides cover for routine check-ups, fillings, and more complex dental work.
  • Maternity Cover: For those planning a family, this covers costs related to pre-natal care, childbirth, and post-natal treatment. Note that there is typically a 10-12 month waiting period before you can claim on this benefit.
  • Deductible/Excess Options: You can choose to add a deductible (known as an excess in the UK). This is the amount you agree to pay towards a claim. Choosing a higher deductible will significantly reduce your premium.

AXA Global Underwriting Options Explained

Underwriting is the process an insurer uses to assess your health and medical history to decide the terms of your policy. AXA Global offers two main types of underwriting.

1. Moratorium Underwriting (MORI)

This is the most common option for individuals and families. It's a simpler and faster way to get cover.

  • How it works: You do not need to provide your full medical history upfront. Instead, the policy automatically excludes treatment for any medical conditions you've had symptoms, treatment, or advice for in the 5 years before your policy starts.
  • The 2-year rule: Cover for these pre-existing conditions may be added later, but only if you complete a continuous 2-year period on the policy without experiencing symptoms, needing treatment, or seeking advice for that condition.
  • Pros: Quick application process, no lengthy medical questionnaires.
  • Cons: Lack of certainty. You may only discover a condition is not covered when you try to make a claim.

Broker Insight: A moratorium is convenient but can lead to disappointment at the point of claim. It's crucial to understand that any condition you've had recently, even minor ones, will be excluded for the first two years of your policy.

2. Full Medical Underwriting (FMU)

With FMU, you provide a complete declaration of your medical history on the application form.

  • How it works: AXA's underwriters review your health declaration. They may then offer you cover on standard terms, add a specific exclusion for a declared condition, or in rare cases, charge a higher premium or decline cover.
  • Pros: Complete clarity from day one. You know exactly what is and isn't covered before the policy starts.
  • Cons: The application process is longer and more intrusive. You must be completely honest and accurate, as any non-disclosure can invalidate your policy.

Which is right for you?

  • Choose Moratorium if: You are in good health with no recent medical issues and want a quick and simple application.
  • Choose Full Medical Underwriting if: You have previous medical conditions and want certainty about what will be covered from the start.

An expert broker like WeCovr can help you decide which underwriting method is most suitable for your personal circumstances.

AXA's Global Hospital Network

One of AXA's greatest strengths is its extensive global network of hospitals, clinics, and specialists. This network is crucial for a seamless healthcare experience abroad.

  • Direct Billing: Within their network, AXA can arrange to pay the hospital or clinic directly. This means you don't have to pay large medical bills out-of-pocket and wait for reimbursement. This is known as a "cashless" service.
  • Finding a Provider: AXA provides an online directory of medical providers, easily accessible through your member portal or app, allowing you to find approved facilities near you.
  • Out-of-Network Treatment: You are still free to use hospitals or doctors outside of AXA's direct billing network. In this case, you would typically need to pay for the treatment yourself and then submit a claim for reimbursement. Pre-authorisation is still essential for any planned hospital stays.

Key Exclusions: What AXA Global Won't Cover

All insurance policies have exclusions. Understanding these is just as important as knowing what is covered. Like all IPMI providers, AXA will not cover:

  • Pre-existing Conditions: As discussed under underwriting, any condition that existed before you joined will be excluded, either temporarily (Moratorium) or permanently (FMU).
  • Chronic Conditions: IPMI is designed for acute conditions (illnesses that are curable and respond to treatment). It does not cover the routine management of long-term chronic conditions like diabetes, hypertension, or asthma. While the policy will cover acute flare-ups of a chronic condition, the day-to-day monitoring and medication are not covered.
  • Self-inflicted Injuries: Injuries resulting from suicide attempts or dangerous hobbies not declared to the insurer.
  • Cosmetic Surgery: Procedures that are not medically necessary.
  • Fertility Treatment: Treatments like IVF are typically excluded unless covered under a specific corporate plan.
  • Unproven Treatment: Experimental or non-conventional treatments and therapies.

Always read the policy's terms and conditions carefully. A broker can help you identify any specific exclusions that might affect you.

The AXA Global Claims Process

AXA has a well-regarded and streamlined claims process, designed to be as stress-free as possible.

  1. Pre-authorisation (The Golden Rule): For any planned hospital treatment (in-patient or day-patient), you must contact AXA for pre-authorisation before treatment begins. This allows them to confirm that the treatment is covered and arrange direct payment with the hospital where possible. Failure to pre-authorise could result in your claim being rejected or only partially paid.
  2. Emergency Treatment: In a genuine emergency, you should seek medical help immediately. You or a family member should then contact AXA's 24/7 emergency helpline as soon as is reasonably possible.
  3. Out-patient Claims: For smaller, out-patient costs like a GP visit or prescription, you will usually pay upfront. You can then submit the receipt and claim form easily via AXA's online portal or mobile app for reimbursement.

Insider Tip: Keep digital copies of all invoices, receipts, and medical reports. This makes the reimbursement process much faster and smoother.

AXA Global Pricing: Key Factors That Influence Your Premium

The price of your AXA IPMI policy is highly personalised. Several key factors determine your final premium:

  1. Age: This is the single biggest factor. Premiums increase significantly with age as the risk of needing medical treatment rises.
  2. Area of Cover: Where you need cover has a major impact. There are typically three main zones:
    • Europe: The most affordable.
    • Worldwide excluding USA: More expensive, covering the rest of the world but excluding the USA due to its exceptionally high healthcare costs.
    • Worldwide: The most expensive option, providing global cover including the USA.
  3. Plan Tier: A Foundation plan will be much cheaper than a Prestige Plus plan due to the difference in benefit limits and scope of cover.
  4. Deductible/Excess: Choosing a higher deductible is one of the most effective ways to lower your premium. An annual deductible of £1,000 could reduce your premium by 20-30% compared to a plan with no deductible.
  5. Optional Add-ons: Adding modules for out-patient, dental, or maternity care will increase the cost.

Who is AXA Global Health Insurance Best For?

AXA Global is a premium provider, and their plans are best suited for certain types of individuals and groups:

  • Expatriate Professionals & Families: Individuals and their families relocating for work who require comprehensive, reliable cover with excellent service and a large hospital network.
  • High-Net-Worth Individuals: Those who want the absolute best cover available (Prestige or Prestige Plus plans) with "paid in full" benefits and minimal hassle.
  • Digital Nomads: While some budget-focused nomads might seek cheaper alternatives, those who value robust cover and a global support system will find AXA a strong contender, particularly the Standard plan with a worldwide-excluding-USA area of cover.
  • Retirees Moving Abroad: Retirees who need peace of mind and certainty about their healthcare in their new country of residence. FMU underwriting is often the best choice here.
  • Small & Medium Sized Enterprises (SMEs): Companies with employees based in multiple countries can benefit from AXA's group IPMI schemes.

AXA may be less suitable for very budget-conscious individuals who only require basic, emergency-level hospital cover.

How to Compare AXA IPMI with Other Insurers

While AXA is a market leader, they are not the only option. Other major IPMI providers include Bupa Global, Cigna Global, and Allianz Care. When comparing, you need to look beyond the headline price.

Here's how an expert broker like WeCovr would analyse your options:

  1. Benefit Limits: Don't just look at the overall annual limit. Check the sub-limits for specific treatments like out-patient care, mental health, or alternative therapies.
  2. Network vs. Reimbursement: How important is a direct billing network to you? Some insurers have larger networks in certain regions than others.
  3. Underwriting Terms: How does each insurer treat your specific pre-existing conditions under FMU? One insurer might offer cover where another applies an exclusion.
  4. Service and Claims Handling: Reputation matters. A broker has first-hand experience of which insurers are efficient and fair when it comes to paying claims.
  5. The Fine Print: We analyse the policy wording for subtle but important differences in definitions, waiting periods, and exclusions.

Comparing IPMI policies is complex. Using a specialist broker ensures you get a like-for-like comparison and advice tailored to your unique needs, at no extra cost to you.

As a WeCovr client, you also get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, and can benefit from discounts on other policies like life or income protection insurance.

Is AXA Global Health Insurance the same as AXA PPP?

No, they are different. AXA Global Healthcare provides International Private Medical Insurance (IPMI) for people living and working abroad. AXA Health (formerly AXA PPP Healthcare) provides domestic Private Medical Insurance (PMI) for residents of the UK seeking treatment within the UK. They are separate entities with different products, networks, and purposes.

Does AXA Global cover pre-existing conditions?

Generally, no. Under a moratorium policy, pre-existing conditions from the last 5 years are excluded for the first 2 years of the policy. Under Full Medical Underwriting (FMU), pre-existing conditions are declared upfront and will likely be permanently excluded from cover. IPMI is designed to cover new, unforeseen medical conditions that occur after your policy starts.

Can I use my AXA Global policy in the USA?

You can only use your policy in the USA if you have selected an "Worldwide" or "Worldwide including USA" area of cover. These are the most expensive options due to the high cost of healthcare in the United States. If you have a "Worldwide excluding USA" policy, you will not be covered for treatment in the USA, though some plans offer limited cover for short trips.

How do I reduce the cost of my AXA Global premium?

The most effective ways to reduce your premium are to choose a higher deductible (excess), select a more restricted area of cover (e.g., Europe instead of Worldwide), or opt for a lower-tier plan with fewer benefits. Speaking to a broker can help you find the right balance between cost and cover.

Get Expert Advice on Your Global Health Cover

Choosing the right international health insurance is one of the most important decisions you'll make when moving abroad. The options are complex, and the wrong choice can be costly.

The team at WeCovr are independent experts in the IPMI market. We can compare AXA Global's plans against other leading providers to find the optimal solution for your situation and budget. Our advice is impartial, our service is free, and we are here to support you for the life of your policy.

Contact us today for a free, no-obligation quote and a personalised comparison of your global health insurance options.

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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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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 experienced advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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