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AXA Health vs WPA Best UK Medical Cover for Returning Expats

WeCovr Editorial Team · experienced insurance advisers
Last updated Mar 17, 2026
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AXA Health vs WPA Best UK Medical Cover for Returning Expats

TL;DR

Returning to the UK? This guide compares AXA Health and WPA private medical insurance to help you transition from international cover. WeCovr's expert brokers, who have arranged over 900,000 policies, can help you find the most suitable UK plan.

Key takeaways

  • Returning expats must actively arrange UK private medical insurance (PMI); it doesn't automatically continue from an international policy.
  • AXA Health offers comprehensive cover from a major global brand, with extensive hospital lists and digital health tools.
  • WPA is a not-for-profit insurer known for high customer satisfaction and flexible policies, including 'shared responsibility' options.
  • Underwriting is critical. Switching on 'Continued Personal Medical Exclusions' (CPME) terms is the goal but can be complex for expats.
  • Using a specialist broker like WeCovr is vital to navigate the market and secure appropriate terms for your pre-existing conditions.

Welcome home. Returning to the UK after time spent abroad involves a long checklist, from removals to re-registering with a GP. One of the most crucial, yet often overlooked, tasks is arranging your health cover. At WeCovr, our experienced brokers have helped arrange over 900,000 policies of various kinds, and we understand that transitioning from comprehensive international private medical insurance (IPMI) to the UK system can be confusing. This guide provides an expert comparison between two leading UK providers, AXA Health and WPA, to help you make an informed decision.

How to transition from international health insurance back to the UK

After years of relying on an international health policy, moving back to the UK means re-engaging with a different healthcare landscape. Your extensive IPMI policy will not automatically convert into a UK-equivalent plan. You must proactively arrange new cover.

Here’s your three-step plan for a smooth transition:

  1. Confirm your NHS Entitlement: As a returning UK resident, you are generally entitled to use the National Health Service (NHS) immediately. You should register with a local GP as a priority. The NHS provides excellent emergency care and treatment for chronic conditions, but you may face significant waiting lists for diagnostics and elective procedures. NHS England data from early 2026 shows that the median wait for consultant-led elective treatment is around 14 weeks, with hundreds of thousands waiting over a year.

  2. Review your Health History: Before approaching insurers, take stock of your medical history and that of your family during your time abroad. Note any new diagnoses, treatments, or consultations. This information is vital for the underwriting process of your new UK policy.

  3. Engage a Specialist Broker: Do not simply cancel your international policy and buy the first UK plan you see online. This is a common and costly mistake. An independent broker can help you navigate the switch, potentially securing "continued underwriting" terms that protect you from new exclusions related to conditions that developed while you were abroad.

International PMI vs. UK PMI: The Key Differences

FeatureInternational Private Medical Insurance (IPMI)UK Private Medical Insurance (PMI)
GeographyProvides cover in multiple countries, often globally (excluding the USA).Provides cover for treatment within the UK only.
Primary CareOften includes routine GP visits, prescriptions, and dental check-ups.Excludes routine GP visits and primary care, focusing on specialist treatment.
Chronic ConditionsSome high-end plans may offer management for chronic conditions.Does not cover the routine management of chronic conditions (e.g., diabetes, asthma).
UnderwritingTypically Full Medical Underwriting (FMU) from the start.Offers Moratorium, FMU, and 'Switch' (CPME) underwriting options.
RegulationVaries by country of origin.Strictly regulated by the UK's Financial Conduct Authority (FCA).

Understanding these differences is the first step. UK PMI is designed to work alongside the NHS, not replace it entirely. It gives you fast access to private diagnosis and treatment for acute conditions—illnesses that are curable and likely to respond quickly to treatment.

Understanding UK Private Medical Insurance (PMI): The Essentials for Expats

For an expat accustomed to an 'all-inclusive' international plan, the structure of UK PMI can seem restrictive at first. It is a specialised product designed to bypass NHS waiting lists for eligible conditions.

Key Concepts You Must Know:

  • Acute vs. Chronic: This is the most important distinction in the UK market. PMI covers acute conditions (e.g., joint replacement, cataract surgery, cancer treatment). It does not cover the day-to-day management of chronic conditions like hypertension or diabetes, which remain under the care of your NHS GP.
  • Underwriting: This is how an insurer assesses your risk and decides what it will and will not cover. For a returning expat, this is the single most critical part of the process.
    • Moratorium (MORI): The insurer will not ask for your medical history upfront. Instead, they will automatically exclude any condition you've had symptoms of, or sought treatment for, in the 5 years before your policy starts. They may cover it later if you remain symptom and treatment-free for that condition for 2 continuous years after your policy begins.
    • Full Medical Underwriting (FMU): You declare your full medical history. The insurer then applies specific exclusions to your policy from day one. This provides certainty but can be more restrictive.
    • Continued Personal Medical Exclusions (CPME): Often called 'switch' terms. This is the ideal for those with existing cover. Your new insurer agrees to match the exclusions of your previous policy, meaning no new exclusions are added for conditions that arose while you were insured. Achieving this from an international policy is complex and a key area where a broker like WeCovr provides immense value.
  • Excess: The amount you agree to pay towards a claim. A higher excess (£500, £1,000) will significantly lower your monthly premium.
  • Outpatient Limits: This is a limit on the value of diagnostic tests and specialist consultations you can have before being admitted to hospital. Options range from £0 to a 'full cover' limit. Choosing a mid-range limit (e.g., £1,000) is a popular way to manage costs.
  • Hospital List: Insurers offer different tiers of hospitals. A national list is comprehensive, while a more local or restricted list can reduce premiums. Check that your preferred local private hospital is included.

AXA Health vs. WPA: A Head-to-Head Comparison for Returning Expats

Both AXA Health and WPA are highly respected names in the UK private health insurance market. However, they have different philosophies and structures, which may make one a better fit for you than the other.

Here is a direct comparison of their offerings, tailored for the needs of a returning expat.

FeatureAXA HealthWPA (Western Provident Association)Adviser Insight
Company ProfileA huge global insurance group. Financially very strong with massive brand recognition in the UK.A smaller, UK-focused, not-for-profit provident association. Highly regarded for customer service.AXA offers the reassurance of a global giant. WPA offers a more personal, member-focused experience. The 'not-for-profit' status means surplus funds are reinvested or returned to members.
Core PolicyPersonal Health: A modular plan where you build your cover around a core inpatient product.Flexible Health: A range of policies with different levels of cover (e.g., Essentials, Premier, Elite).Both are flexible. AXA's build-your-own approach can feel more customisable, while WPA's tiered plans are simpler to understand.
Underwriting for ExpatsOffers all types of underwriting. Can be difficult to secure CPME/switch terms from an international policy directly.Also offers all types. Known to be more flexible and pragmatic in assessing applications, but still requires careful negotiation for CPME.This is the key battleground. Neither insurer makes it easy to 'switch' from an IPMI policy. A broker must present your case correctly, showing continuous cover and claims history.
Cancer CoverExcellent and comprehensive. Includes access to the latest approved drugs and treatments, even if not yet available on the NHS.Also excellent. WPA's cancer care is highly praised and a core feature of their policies. Offers options for NHS cancer cash benefits.Both providers offer market-leading cancer cover. The differences are nuanced, often relating to specific benefit limits or access to experimental treatments.
Mental Health CoverGood as standard, with options to extend cover significantly for therapies and psychiatric treatment.Traditionally a strong point for WPA. Their policies often include generous mental health benefits as standard.Both are strong, but WPA often has a slight edge in the level of mental health cover included in their mid-tier plans without needing a specific add-on.
Digital Health ToolsDoctor at Hand: 24/7 virtual GP service. Strong member app and online portal.WPA Health: App for managing your policy and making claims. Also provides access to a 24/7 remote GP helpline.AXA's digital ecosystem feels slightly more mature and integrated, reflecting their scale. Both are very practical for busy families.
Unique Selling PointGuided Option: The 'Fast Track Appointments' service, where AXA's team books your specialist appointment for you, often within days.Shared Responsibility: A co-payment option where WPA pays 75% of a claim and you pay 25%, drastically reducing your premium. Also, as a not-for-profit, they may offer premium rebates in good years.The Guided Option from AXA is great for those who want a "done for you" service. WPA's Shared Responsibility is a fantastic cost-control tool for those happy to share the risk.
Customer ServiceGenerally good, but as a large organisation, experiences can vary. Trustpilot scores are typically around 4.3/5.Exceptional. Consistently wins awards for customer service. Trustpilot scores are often higher, around 4.6/5, reflecting their member focus.If personal, consistent service is your absolute top priority, WPA has a clear and demonstrable advantage.
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Deep Dive: AXA Health's Proposition for Returning Expats

AXA Health is a formidable choice, particularly for those who value comprehensiveness and the backing of a global brand. Their Personal Health plan is designed to be built around your specific needs.

Strengths for a Returning Expat:

  • Brand Reassurance: For someone re-entering the UK market, the AXA name is familiar and trusted.
  • Comprehensive Hospital Network: Their standard hospital lists are extensive, giving you wide-ranging choices across the country.
  • Strong Digital Offering: The Doctor at Hand service is a standout feature, offering 24/7 access to a private GP by phone or video. This is incredibly useful when you're newly back in the country and may not have a regular NHS GP yet.
  • Guided Treatment Pathway: If you choose their 'guided' option, AXA will find and book the specialist for you from a curated list, simplifying the claims process. This can lead to significant premium discounts.

A Potential Scenario:

  • The Davies family is returning to Surrey from Singapore. They have two young children. They want a policy that gives them fast access to paediatric specialists and a wide choice of hospitals in London and the South East. The security of a big brand is important to them.
  • An AXA Health Personal Health plan with a full hospital list and an extended outpatient limit would be a strong fit for their needs. The Doctor at Hand service would be invaluable for quick advice on childhood illnesses.

Deep Dive: WPA's Proposition for Returning Expats

WPA operates on a different model. As a not-for-profit, their focus is squarely on their members, not shareholders. This ethos permeates their products and service.

Strengths for a Returning Expat:

  • Exceptional Customer Service: You are more likely to speak to the same small team in their UK-based call centre. They are known for their empathy and willingness to help.
  • Flexible Cost Control: The Shared Responsibility option is a unique feature. By agreeing to pay 25% of any claim costs, you can reduce your premium by as much as 50-60%. This is an excellent alternative to a simple high excess.
  • Benefit Funds: Some WPA policies come with "benefit funds"—pots of money you can use for things like dental, optical, or health screenings, which are typically excluded from UK PMI. This can help bridge the gap from a more inclusive international policy.
  • Not-for-Profit Ethos: WPA has a history of returning surplus funds to members via rebates or not increasing premiums as aggressively as commercial rivals.

A Potential Scenario:

  • Mr. and Mrs. Evans are returning to the Cotswolds for their retirement after 20 years in Spain. They are in good health but want peace of mind. They are budget-conscious but prioritise excellent, personal service.
  • A WPA Flexible Health policy with the Shared Responsibility option could be a very suitable choice. It would provide robust cover for major issues at a manageable cost, and they would benefit from WPA's award-winning customer support.

The Critical Role of Underwriting for Returning Expats

We cannot stress this enough: for a returning expat, your choice of underwriting is more important than your choice of insurer.

  • The Mistake: Cancelling your international policy, waiting a month, then applying for a new UK policy with Moratorium underwriting. The insurer will now automatically exclude any condition you saw a doctor for in the last 5 years, including conditions that were happily covered by your previous international plan. You have lost your continuity of cover.
  • The Goal: Securing Continued Personal Medical Exclusions (CPME / 'Switch') terms. This means the new UK insurer agrees to take you on with the same medical exclusions you had on your previous international policy. No new exclusions are added for conditions that developed while you were insured abroad.

Insider Broker Tip: Achieving a CPME switch from an international policy is not straightforward. Insurers' standard online application forms are not designed for this. It requires a broker to manually present your case to the insurer's underwriting team, providing certificates of insurance and claims history to prove continuous cover. Without a broker, you are very likely to be offered inferior terms.

Working with an expert brokerage like WeCovr can be the difference between securing continuity for a managed condition and having it permanently excluded from your new UK policy.

Cost Factors: What Influences Your PMI Premium?

Your monthly premium is determined by a combination of personal factors and policy choices.

FactorImpact on PremiumHow to Manage It
AgeThe single biggest factor. Premiums rise significantly with age.You cannot change your age, but locking in a policy when you are younger is beneficial.
LocationLiving in or near Central London is most expensive due to higher hospital costs.If you live outside the major cities, your premium will be lower. Some insurers have regional pricing.
Level of Cover'Comprehensive' plans with full outpatient cover are most expensive.Opt for a mid-range outpatient limit (£1,000) and consider a 'guided' hospital list.
ExcessHigher excess = lower premium.Choose an excess you are genuinely comfortable paying. £500 is a popular and effective choice.
UnderwritingCPME/Switch terms are often priced slightly higher than Moratorium, but offer far better protection.The small extra cost for CPME terms is nearly always worth the peace of mind.

Illustrative Monthly Premiums (2026):

ProfileAXA Health (Guided, £500 excess)WPA (Shared Responsibility 25%, £250 excess)
40-year-old, Bristol£75£60
55-year-old, London£140£115
65-year-old, Edinburgh£220£185

Note: These are illustrative estimates only. Your actual quote will depend on your full circumstances and chosen cover level.

Why Use a Specialist Broker like WeCovr?

For a returning expat, navigating the UK private medical insurance market alone is fraught with risk. The nuances of underwriting and the differences between international and domestic policies are significant.

Using an independent, FCA-regulated broker like WeCovr provides several key advantages, at no cost to you:

  1. Expert Underwriting Negotiation: We specialise in complex cases, including presenting 'switch' applications from international policies to UK underwriters to secure continuity of cover.
  2. Whole-of-Market Access: We compare AXA and WPA alongside other leading providers like Bupa, Vitality, and The Exeter, ensuring you see the most suitable options for your specific needs, not just a choice of two.
  3. Time and Hassle Savings: We do the research, handle the paperwork, and explain the jargon, saving you hours of frustration.
  4. No Cost for Our Service: We are paid a commission by the insurer you choose. Your premium is the same as if you went direct, but you get our expert guidance and support for free.
  5. Ongoing Support: Our service doesn't stop once you've bought the policy. We are here to help you at renewal or if you have issues with a claim.
  6. Extra Benefits: As a WeCovr client, you get complimentary access to our AI-powered calorie tracking app, CalorieHero, and can benefit from discounts on other policies like life or income protection insurance.

Can I arrange UK private medical insurance before I have an NHS number?

Yes, you can. Insurers understand that it can take time to get fully registered back in the UK system. You will need to provide proof of your UK address. Having a policy in place can be very helpful for peace of mind during the transition period before your NHS registration is complete.

Do I have to cancel my international policy before I buy a UK one?

No, and you shouldn't. The ideal process is to arrange your new UK policy to start the day after your international policy ends. This ensures you have continuous cover, which is crucial for attempting to secure 'switch' or CPME underwriting terms. A broker can help coordinate the dates perfectly.

Will my pre-existing conditions be covered when I return to the UK?

This is the most critical question. Standard UK PMI does not cover pre-existing conditions. However, if you have had continuous cover with your international insurer, a specialist broker may be able to negotiate 'Continued Personal Medical Exclusions' (CPME) terms. This means your new UK insurer would cover conditions that arose while you were insured abroad, subject to the terms of your original policy. This is not guaranteed and requires expert negotiation.

Is private medical insurance tax-deductible for individuals in the UK?

Generally, no. For individuals paying for their own policy, the premiums are paid from post-tax income and are not tax-deductible. If a UK limited company pays for an employee's or director's PMI, it is typically an allowable business expense for the company, but it creates a P11D taxable benefit-in-kind for the individual.

Disclaimer: This is general guidance only and does not constitute formal tax or financial advice. Tax treatment depends on individual circumstances, policy terms, and HMRC interpretation, which cannot be guaranteed in advance. Whenever applicable, businesses and individuals should always consult a qualified accountant or tax adviser before arranging such policies.

Making Your Decision: AXA Health or WPA?

Both AXA Health and WPA offer excellent private medical insurance products that provide a valuable alternative to NHS waiting lists.

  • Choose AXA Health if you value the security of a large, global brand, a vast hospital network, and a mature suite of digital tools.
  • Choose WPA if your priority is outstanding, personal customer service, cost-flexibility through their Shared Responsibility model, and the ethos of a not-for-profit organisation.

Ultimately, the most suitable policy for a returning expat is less about the brand and more about the underwriting terms you can secure. The key to a successful transition from international to UK private medical cover is to use a specialist broker who can fight your corner and ensure your continuity of cover is recognised.

Ready to find the right cover for your return to the UK?

Sources

  • NHS England
  • Financial Conduct Authority (FCA)
  • Office for National Statistics (ONS)
  • gov.uk
  • National Institute for Health and Care Excellence (NICE)

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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 a strong fit for your needs 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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