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Benenden Health Review UK 2026




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TL;DR

As an FCA-authorised expert with over 900,000 policies arranged, WeCovr helps thousands of UK residents navigate the complex world of private medical insurance. This in-depth 2026 review explores Benenden Health, a unique provider operating on a non-profit, mutual basis, to see if it’s the right fit for you. A non-profit model and what members get for their fees Benenden Health stands apart in the UK’s health landscape.

Key takeaways

  • What it's for: General medical advice, reassurance, and guidance on your next steps. They can't issue prescriptions but can advise if you need to see your own GP or seek urgent care.
  • Real-world use: You wake up with a strange rash at 2 am. Instead of worrying until morning or going to A&E, you can call for immediate advice.
  • What it's for: Immediate emotional support for issues like stress, anxiety, bereavement, or relationship problems.
  • Further support: If needed, members may be offered a course of structured therapy sessions (e.g., CBT) at Benenden's discretion.
  • Services include: MRI scans, CT scans, X-rays, Ultrasounds, and consultations with specialists to diagnose a condition.

As an FCA-authorised expert with over 900,000 policies arranged, WeCovr helps thousands of UK residents navigate the complex world of private medical insurance. This in-depth 2026 review explores Benenden Health, a unique provider operating on a non-profit, mutual basis, to see if it’s the right fit for you.

A non-profit model and what members get for their fees

Benenden Health stands apart in the UK’s health landscape. It isn't a traditional insurance company but a 'friendly society' or a mutual organisation. This means it's owned by its members and run for their benefit, not for profit.

So, what does that mean for you?

Instead of paying a premium for a contractual insurance policy, you pay a flat monthly membership fee. This fee gives you access to a range of discretionary healthcare services designed to complement, not replace, the NHS. The core idea is community-based support: everyone pays the same, and the collective pot of money is used to help members who need it.

The key word here is discretionary. Unlike a private medical insurance policy which is a binding contract, Benenden Health’s board decides whether to grant access to treatment based on individual circumstances, clinical need, and the society's available resources. Their primary goal is to step in when the NHS waiting list for a diagnosis or treatment is deemed too long.

Who is Benenden Health? A Look at Their History and Ethos

To truly understand Benenden Health, you have to look back at its origins. Founded in 1905, it began as the Post Office Sanatorium Society, created by postal workers to help colleagues suffering from tuberculosis. They pooled their resources to provide care that wasn't otherwise available.

This ethos of mutual support and community care remains at the heart of the organisation over a century later. Today, it has grown to over 880,000 members from all walks of life.

Their mission is simple: to provide affordable, high-quality healthcare access and to be there for members when they need it most. This historical context explains why their model is so different from commercial insurers like Bupa or Aviva, who are accountable to shareholders. Benenden Health is accountable only to its members.

How Does Benenden Health Differ from Traditional Private Medical Insurance?

This is the most critical question for anyone considering their healthcare options. While both offer a way to bypass NHS queues, their structure, cost, and scope of cover are fundamentally different.

Think of it like this: traditional private medical insurance UK is like having a comprehensive car insurance policy that covers a wide range of specific accidents. Benenden Health is more like being part of a motoring club that can help with specific common problems, like a flat tyre or a breakdown, when the main garage has a long wait.

Here’s a side-by-side comparison to make the differences clear:

FeatureBenenden HealthTraditional Private Medical Insurance (PMI)
ModelMutual, non-profit society. Owned by members.Commercial insurance company. Owned by shareholders.
Core OfferingAccess to discretionary diagnostic and treatment services.A legally binding insurance contract for eligible treatment.
CostOne low, flat monthly fee for all ages (around £18.90 in late 2026).Premiums vary significantly based on age, location, lifestyle, and level of cover.
UnderwritingNo medical underwriting. Everyone is accepted.Full Medical, Moratorium, or Switch underwriting. Can be declined cover.
Pre-existing ConditionsMay offer support for pre-existing conditions after a qualifying period.Strictly excluded, usually for life or via a moratorium period.
Chronic ConditionsNot covered for ongoing management. Designed for acute conditions.Not covered. PMI is for new, acute conditions that can be cured.
Accessing CareYou must typically try the NHS first. Benenden steps in for long waits.Can often go private immediately for eligible conditions, bypassing the NHS entirely.
Choice of HospitalLimited to Benenden Health's own hospital or their approved network.Often a wide choice of private hospitals, with options for premium London hospitals.
Cancer CareOffers support services (e.g., second opinions, counselling) but not private treatment.Comprehensive cancer cover is a core feature, including drugs not available on the NHS.
ExcessNo excess payable for approved treatments.An excess (e.g., £100, £250, £500) is usually required to keep premiums down.

As you can see, they are two very different products serving different needs. Benenden Health is an affordable way to gain peace of mind and get help with specific, common health issues. Traditional PMI offers a far more comprehensive, customisable, and certain level of cover, but at a higher and more variable cost.

An expert PMI broker like WeCovr can help you assess your personal needs and budget to determine which path is right for you, comparing the whole market at no cost to you.

What Services are Included in a Benenden Health Membership? A Detailed Breakdown

For a fixed monthly fee, Benenden Health members gain access to a valuable suite of services. Let's break down exactly what you get.

1. 24/7 GP Helpline

This is often the first port of call for members. You can speak to a UK-based GP by phone anytime, day or night.

  • What it's for: General medical advice, reassurance, and guidance on your next steps. They can't issue prescriptions but can advise if you need to see your own GP or seek urgent care.
  • Real-world use: You wake up with a strange rash at 2 am. Instead of worrying until morning or going to A&E, you can call for immediate advice.

2. Mental Health Helpline

Mental wellbeing is a huge focus. Members have 24/7 access to a helpline staffed by qualified therapists.

  • What it's for: Immediate emotional support for issues like stress, anxiety, bereavement, or relationship problems.
  • Further support: If needed, members may be offered a course of structured therapy sessions (e.g., CBT) at Benenden's discretion.

3. Diagnostics

This is arguably the most valuable part of a Benenden membership. If your NHS GP recommends a test but the waiting list is long (typically over 3 weeks for Benenden to consider), you can request access to private diagnostics.

  • Services include: MRI scans, CT scans, X-rays, Ultrasounds, and consultations with specialists to diagnose a condition.
  • The goal: Getting a swift, clear diagnosis so you and your NHS doctor can plan the right treatment.

4. Treatment and Surgery

If your diagnosis confirms you need treatment and the NHS waiting list is lengthy (typically over 5 weeks), Benenden Health may offer to provide it.

  • Discretion is key: This is not guaranteed. A clinical team assesses each case.
  • What's covered: A list of over 250 common procedures. This includes things like:
    • Cataract surgery
    • Hernia repair
    • Hip and knee replacements
    • Gallbladder removal
    • Gynaecological procedures like hysterectomy
  • Where it happens: At Benenden Hospital in Kent or a facility in their approved UK-wide network.

5. Physiotherapy

For muscle, joint, and back pain, members can get a telephone assessment with a physiotherapist. If clinically appropriate, they may be authorised for a course of face-to-face treatment.

6. Cancer Support

It's vital to be clear here: Benenden Health does not cover private cancer treatment (chemotherapy, radiotherapy, or surgery). This is a major difference from traditional PMI.

What they do provide is valuable support:

  • Oncology Nurse Helpline: Access to specialist nurses for advice and support following an NHS diagnosis.
  • Second Opinion Service: They can help arrange a second opinion on your diagnosis and treatment plan.
  • Financial Assistance: A one-off payment of up to £2,000 may be available for members diagnosed with cancer to help with unexpected costs.

7. Member Perks (Benenden Rewards)

Every member gets access to a rewards portal offering discounts on cinema tickets, gym memberships, retail, travel, and more.

The Benenden Health Patient Journey: A Real-Life Example

Theory is one thing, but how does it work in practice? Let's follow a hypothetical member, David, a 55-year-old teacher with knee pain.

  1. Initial Problem: David develops persistent pain and swelling in his right knee, making it difficult to walk or stand for long periods in the classroom.
  2. NHS GP Visit: He visits his local NHS GP, who examines him and suspects a meniscal tear. The GP refers him for an NHS MRI scan to confirm, but warns the local waiting list is currently around 18 weeks.
  3. Call to Benenden Health: Frustrated by the long wait, David calls the Benenden Health member services line. He explains the situation and provides his NHS GP's referral details.
  4. Authorisation for Diagnostics: The Benenden Health team checks the NHS waiting time in David's area. Seeing that it exceeds their threshold, they authorise a private MRI scan.
  5. Swift Diagnosis: Within two weeks, David has his MRI at a private clinic near his home. The report is sent to him and his NHS GP, confirming a significant meniscal tear that requires surgery.
  6. The Surgical Wait: David's GP refers him to an NHS orthopaedic surgeon. The consultant agrees surgery is needed, but the waiting list for the procedure is currently over 12 months.
  7. Request for Treatment: David contacts Benenden Health again, providing the surgeon's letter. He requests access to treatment through his membership.
  8. Discretionary Approval: Benenden's clinical team reviews David's case. They see that his condition is impacting his quality of life and ability to work, the NHS wait is long, and the procedure (an arthroscopy) is on their approved list. They approve his request for treatment.
  9. Private Surgery: David is booked in for surgery at a hospital in Benenden's approved network just six weeks later.
  10. Recovery: The surgery is successful. David receives guidance on post-operative care and may be eligible for physiotherapy support through Benenden to aid his recovery. He is back at work much sooner than if he had stayed on the NHS list.

This journey highlights Benenden’s core value proposition: bridging the gaps created by long NHS waiting lists for specific, common conditions.

The Crucial Details: Understanding Exclusions and Limitations

No health cover is without its small print, and Benenden Health's unique model makes it essential to understand what it doesn't do.

Pre-existing and Chronic Conditions

This is a key area where Benenden differs from standard private health cover.

  • The Benenden Rule: You can join with any pre-existing conditions. However, to access services for a condition you had before joining, you generally need to have been a member for at least six months. They may then offer support, even for pre-existing issues, at their discretion. This is a significant potential benefit.
  • The Chronic Condition Rule: Like all private health plans in the UK, Benenden Health is designed for acute conditions (illnesses that are likely to respond quickly to treatment and return you to your previous state of health). It does not cover the day-to-day management of chronic conditions like diabetes, asthma, high blood pressure, or multiple sclerosis. Your NHS GP will continue to manage these.

The Discretionary Model

We've mentioned this before, but it bears repeating: access to treatment is not guaranteed. Benenden Health is not an insurer. If resources are limited or your condition isn't on their approved list, they can decline a request for help. This uncertainty is a trade-off for the low monthly cost.

You Must Use the NHS First

Benenden is designed to work alongside the NHS. You can't just decide you want private treatment. You must first be referred for diagnostics or treatment by an NHS practitioner and be facing a significant wait.

Key Exclusions

Benenden Health is very clear about what it doesn't cover. This includes, but is not limited to:

  • Emergency treatment (always call 999 or go to A&E)
  • Full private cancer treatment
  • Cosmetic surgery
  • Maternity care and fertility treatment
  • Dental and optical treatment (though their rewards programme may offer discounts)
  • Treatment for addictions (alcohol or drugs)
  • Experimental or unproven treatments

How Much Does Benenden Health Cost in 2026?

This is where Benenden Health’s model is radically simple.

As of late 2026, the cost is £18.90 per person, per month.

While this is subject to an annual review, the price has remained remarkably stable and low for years. The key features of their pricing are:

  • One Price for All: It doesn't matter if you're 25 or 75, a smoker or a non-smoker, living in London or Lincoln. Everyone pays the same flat fee.
  • No Medical Required: You can join instantly online or by phone without answering any health questions.
  • No Excess: If Benenden approves you for a consultation or treatment, you do not have to pay an excess or co-payment.

This straightforward, affordable pricing makes it accessible to a huge number of people who might find the premiums for the best PMI providers too high.

Pros and Cons of Benenden Health: An Honest Assessment

To help you decide, here is a balanced summary of the advantages and disadvantages.

Pros 👍Cons 👎
Extremely Affordable: The low, flat monthly fee is its biggest selling point.Discretionary Cover: Treatment is not guaranteed, unlike a contractual insurance policy.
No Age or Medical Loading: Your price won't increase as you get older or if you develop a condition.NHS Wait Required: You must be on a long NHS waiting list before they will consider helping.
Accepts Pre-existing Conditions: You can join with any health history and may get help after a qualifying period.Limited Scope: Only covers a specific list of 250+ procedures, not all conditions.
Excellent for Diagnostics: A fast and effective way to get scans like MRI and CT to find out what's wrong.No Private Cancer Treatment: A major limitation. Only provides support services.
Simple and Transparent: No complicated policy tiers, underwriting, or excess calculations.Limited Hospital Choice: You must use Benenden's own hospital or their approved network.
Valuable 24/7 Helplines: The GP and Mental Health helplines provide immediate support.Not a Replacement for the NHS: It's a top-up, not a comprehensive alternative.

Is Benenden Health Right for You?

Benenden Health could be an excellent choice if:

  • Your main concern is getting a quick diagnosis and bypassing NHS waits for tests.
  • You are on a tight budget and cannot afford comprehensive private medical insurance.
  • You are older or have pre-existing conditions that make traditional PMI very expensive or unavailable.
  • You understand and are comfortable with the discretionary nature of the cover.
  • You see it as a valuable complement to the NHS, not a replacement for it.

However, you might be better served by a traditional PMI policy if:

  • You want the certainty of a contractual insurance policy.
  • You want comprehensive cancer cover, including private drugs and treatments.
  • You want a wider choice of hospitals and specialists.
  • You want the ability to go private immediately for an eligible condition, without needing to wait on the NHS first.

Navigating these options can be daunting. This is where an independent PMI broker like WeCovr provides immense value. We can lay out all the options from across the market, explaining the nuances of each policy so you can make a truly informed decision. Plus, when you secure a policy through us, you get complimentary access to our AI-powered calorie and nutrition tracker, CalorieHero, and may be eligible for discounts on other insurance products.

Wellness Corner: Proactive Steps for a Healthier Life

While having health cover provides peace of mind, the best strategy is always prevention. Taking small, consistent steps can dramatically improve your long-term health and wellbeing.

  • Move Your Body: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This could be a brisk 30-minute walk five days a week, cycling, swimming, or dancing. The key is finding something you enjoy.
  • Nourish Yourself: Focus on a balanced diet rich in whole foods. Aim for the "5 A Day" of fruit and vegetables, incorporate whole grains, lean proteins, and healthy fats. Staying hydrated by drinking plenty of water is also crucial for energy and cognitive function.
  • Prioritise Sleep: Most adults need 7-9 hours of quality sleep per night. It's vital for physical repair, memory consolidation, and mental health. Create a relaxing bedtime routine and make your bedroom a screen-free zone.
  • Manage Stress: Chronic stress can negatively impact your health. Practices like mindfulness, meditation, yoga, or simply spending time in nature can help manage stress levels. Don't hesitate to use resources like Benenden's Mental Health Helpline if you're struggling.
  • Stay Connected: Strong social ties are linked to a longer, healthier life. Make time for friends and family, join a club, or volunteer. Meaningful connections are a powerful buffer against life's challenges.

Does Benenden Health cover pre-existing conditions?

Unlike standard private medical insurance, which strictly excludes pre-existing conditions, Benenden Health allows anyone to join regardless of their medical history. While you cannot join and immediately request treatment for a known issue, they may offer diagnostic or treatment services for a pre-existing condition at their discretion after a qualifying membership period (typically six months). This makes it a unique option for those with health issues who find traditional insurance unaffordable.

Is Benenden Health a good alternative to Bupa or Aviva?

Benenden Health is not a like-for-like alternative to traditional private medical insurance (PMI) from providers like Bupa or Aviva. Benenden is a low-cost healthcare society offering discretionary access to specific services, primarily to bypass long NHS waits. Bupa and Aviva offer comprehensive, contractual insurance policies with extensive benefits, including full cancer care and a wide choice of hospitals, but at a significantly higher cost that varies with age. Benenden is a complement to the NHS, whereas full PMI can be an alternative.

Do I have to pay an excess with Benenden Health?

No, there is no excess to pay with Benenden Health. If they approve you for a consultation, scan, or treatment, they cover the full cost of the service provided within their network. This is a major difference from most private medical insurance policies, where you typically choose an excess (e.g., £250 or £500) that you must pay towards your first claim each year to help keep your premiums lower.

Get Expert Advice on Your Health Cover Options

Benenden Health offers a compelling and affordable model that is perfect for some, but it's not the right solution for everyone. Understanding whether its discretionary, limited-scope cover is a better fit for you than a comprehensive private medical insurance UK policy is a critical decision.

Contact WeCovr today. Our FCA-authorised experts will provide a free, no-obligation review of your needs and compare quotes from across the market to find the perfect cover for your peace of mind and budget.

Get Quote

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.

How does it work?

Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:

• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment

Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.

Questions to ask yourself regarding private medical insurance

Just ask yourself:
👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?

Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.

Benefits offered by private medical insurance

Private medical insurance provides numerous benefits that can significantly improve your healthcare experience and outcomes:

Faster Access to Treatment
One of the biggest advantages is avoiding NHS waiting lists. While the NHS provides excellent care, waiting times can be lengthy. With private medical insurance, you can often receive treatment within days or weeks rather than months.

Choice of Consultant and Hospital
You can choose your preferred consultant and hospital, giving you more control over your healthcare journey. This is particularly important for complex treatments where you want a specific specialist.

Better Facilities and Accommodation
Private hospitals typically offer superior facilities, including private rooms, better food, and more comfortable surroundings. This can make your recovery more pleasant and potentially faster.

Advanced Treatments
Private medical insurance often covers treatments and medications not available on the NHS, giving you access to the latest medical advances and technologies.

Mental Health Support
Many policies include comprehensive mental health coverage, providing faster access to therapy and psychiatric care when needed.

Tax Benefits for Business Owners
If you're self-employed or a business owner, private medical insurance premiums can be tax-deductible, making it a cost-effective way to protect your health and your business.

Peace of Mind
Knowing you have access to private healthcare when you need it provides invaluable peace of mind, especially for those with ongoing health conditions or concerns about NHS capacity.

Private medical insurance is particularly valuable for those who want to take control of their healthcare journey and ensure they receive the best possible treatment when they need it most.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get private medical insurance early?

👉 Many people are very thankful that they had their private medical insurance cover in place before running into some serious health issues. Private medical insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, and even our phones! Yet our health is the most precious thing we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.

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

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

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

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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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