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Best Private Medical Insurance for Over 60s

Best Private Medical Insurance for Over 60s 2025

Navigating the UK private medical insurance market can feel complex, but securing the right cover in your 60s is a powerful step towards protecting your future health. As an FCA-authorised broker that has helped arrange over 800,000 policies, WeCovr provides expert, independent advice to help you find the best private health cover for your needs.

Standout providers, key features, and application advice if you're 60+

Entering your 60s is a milestone. It's often a time of reflection, planning for retirement, and prioritising what truly matters: your health and wellbeing. While the NHS provides an essential service to our nation, many people in this age group are increasingly looking towards private medical insurance (PMI) for greater peace of mind, faster access to treatment, and more control over their healthcare journey.

This comprehensive guide is designed for you. We will demystify the world of private health cover, explore the standout providers for the over-60s, and provide practical advice to help you secure a policy that is both effective and affordable.

Why Consider Private Medical Insurance in Your 60s and Beyond?

As we age, the likelihood of needing medical treatment naturally increases. While we are fortunate to have the NHS, the system is under undeniable pressure. Opting for private medical insurance can offer significant advantages that become particularly valuable later in life.

1. Bypass NHS Waiting Lists

This is perhaps the most compelling reason for considering PMI. NHS waiting lists for elective treatments have grown substantially. According to the latest NHS England data, the waiting list for consultant-led elective care stood at around 7.54 million in late 2023. For common procedures affecting those over 60, such as hip or knee replacements, the wait can be many months, sometimes years.

Real-Life Example: Imagine you develop persistent hip pain that is diagnosed as needing a replacement. On the NHS, you might wait 12-18 months for the operation, during which time your mobility and quality of life could decline significantly. With PMI, you could be seen by a specialist within days and have the surgery in a private hospital within a few weeks.

2. Choice, Control, and Comfort

PMI puts you in the driver's seat of your healthcare:

  • Choice of Specialist: You can research and choose the consultant you want to oversee your treatment.
  • Choice of Hospital: Policies offer access to a network of high-quality private hospitals across the UK. You can select one that is convenient for you.
  • Flexible Timing: Schedule appointments and procedures at times that suit you, minimising disruption to your life.
  • Privacy and Comfort: Treatment is typically in a private, en-suite room with more flexible visiting hours, creating a more restful environment for recovery.

3. Faster Access to Diagnostics

Often, the most worrying part of being unwell is the uncertainty while waiting for a diagnosis. PMI provides rapid access to diagnostic tests and scans, such as MRI, CT, and PET scans. This can shorten the "worry window" and allow treatment to begin much sooner if required.

Understanding What Private Medical Insurance Covers (and What It Doesn't)

This is the most critical section to understand. Private medical insurance is not a replacement for the NHS; it is designed to work alongside it. Its primary purpose is to cover acute conditions that arise after you take out your policy.

What's Typically Covered by PMI?

PMI is for conditions that are short-term and curable. Think of it as medical care with a clear beginning and end.

  • In-patient and Day-patient Treatment: This covers costs if you are admitted to hospital for surgery or treatment, including hospital fees, specialist fees, and anaesthetist charges.
  • Out-patient Consultations and Diagnostics: Covers the cost of seeing a specialist and having tests to diagnose your condition. This is often an optional add-on but is highly recommended.
  • Cancer Care: Most comprehensive policies offer extensive cancer cover, including chemotherapy, radiotherapy, and surgery. Some policies also provide access to drugs and treatments not yet available on the NHS.
  • Therapies: Cover for physiotherapy, osteopathy, and chiropractic treatment is often included, which is vital for recovery from surgery or musculoskeletal issues.
  • Mental Health Support: Many insurers now offer robust support for mental health, including access to therapists and psychiatrists.
FeatureDescriptionWhy It's Important for Over 60s
In-patient CoverCovers treatment requiring a hospital bed overnight.Essential for major surgeries like joint replacements or heart procedures.
Out-patient CoverCovers diagnostic tests and specialist consultations without hospital admission.Crucial for getting a fast diagnosis for issues like joint pain, lumps, or hearing loss.
Cancer CoverProvides funding for diagnosis, treatment (chemo, radio), and aftercare.A key priority, offering access to advanced treatments and greater choice.
TherapiesCovers treatments like physiotherapy to aid recovery.Speeds up recovery post-operation and helps manage musculoskeletal conditions.

The Golden Rule: What PMI Does NOT Cover

It is vital to be clear on the exclusions. Standard UK private medical insurance does not cover:

  1. Pre-existing Conditions: Any illness, disease, or injury for which you have experienced symptoms, received medication, or sought advice before your policy's start date. We explain how this is managed in the 'Underwriting' section below.
  2. Chronic Conditions: Long-term conditions that cannot be cured and require ongoing management, such as diabetes, hypertension (high blood pressure), arthritis, asthma, and COPD. The day-to-day management of these will always remain with your NHS GP. However, a new, acute flare-up of a chronic condition may sometimes be covered for short-term stabilisation.
  3. Emergencies: For a heart attack, stroke, or serious accident, you should always call 999 and go to an NHS A&E. Private hospitals are not equipped for emergency admissions.
  4. Other Common Exclusions: Normal pregnancy, cosmetic surgery (unless reconstructive after an accident or illness), organ transplants, and treatment for drug or alcohol addiction.

Top Private Health Insurance Providers for the Over 60s in the UK

The UK market is home to several excellent insurers, each with unique strengths. For those over 60, policies that offer comprehensive cancer care, good flexibility, and no upper age limit are particularly attractive. Here are a few standout providers.

1. Bupa

A household name in UK health insurance, Bupa is a well-regarded provider with a vast network of hospitals and specialists.

  • Why it's a good choice for over 60s: Bupa has no upper age limit for joining, and their Bupa Fundamental plan is a more affordable, entry-level option. Their comprehensive cancer cover is highly rated.
  • Key Features: Bupa Direct Access service allows you to bypass a GP referral for certain conditions (like cancer and mental health), speeding up care. They also offer a members' healthline staffed by nurses.
  • Points to Consider: Can be one of the more premium-priced options, though their different policy tiers provide flexibility.

2. Aviva

As one of the UK's largest insurers, Aviva offers a highly-rated and flexible PMI product called Healthier Solutions.

  • Why it's a good choice for over 60s: Aviva's 'Expert Select' hospital list option can significantly reduce premiums. Their standard cancer cover is extensive, and they often receive praise for their straightforward claims process.
  • Key Features: Their 'BacktoBetter' programme provides fast-tracked treatment for musculoskeletal issues without needing a GP referral. They also have a strong digital offering, including the Aviva DigiCare+ app.
  • Points to Consider: The 'Expert Select' option, while cheaper, limits your choice of specialist to a guided list provided by Aviva.

3. AXA Health

AXA Health focuses on a proactive, "health and wellbeing" approach, offering well-regarded policies with a strong emphasis on member support.

  • Why it's a good choice for over 60s: AXA has no upper age limit and offers a clear, modular policy structure, allowing you to build the cover you need. Their Personal Health plan is highly customisable.
  • Key Features: The AXA Doctor at Hand service provides 24/7 access to a virtual GP. Their dedicated heart and cancer nurses provide personalised support during treatment.
  • Points to Consider: Premiums can be at the higher end, reflecting the comprehensive nature of their support services.

4. Vitality

Vitality is unique in the market. They directly link your insurance premium and rewards to how actively you live a healthy lifestyle.

  • Why it's a good choice for over 60s: If you are an active individual, Vitality can be incredibly rewarding. By tracking your activity (e.g., daily steps), you can earn points that lead to significant rewards and potential premium discounts.
  • Key Features: The Vitality Programme offers rewards like weekly coffees, cinema tickets, and discounts on gym memberships and travel. Their cancer cover is comprehensive.
  • Points to Consider: This model is not for everyone. If you are not interested in engaging with the activity tracking and rewards programme, you may find better value elsewhere.

Provider Comparison for Over 60s

ProviderKey Strengths for Over 60sNoteworthy FeaturesUnderwriting Options
BupaNo upper age limit, extensive cancer cover, trusted brand.Direct Access service, large hospital network.Moratorium, Full Medical.
AvivaFlexible hospital lists for cost control, strong claims reputation.BacktoBetter for muscle/joint issues, DigiCare+ app.Moratorium, Full Medical.
AXA HealthHighly customisable policies, excellent member support services.Doctor at Hand virtual GP, dedicated nurse support.Moratorium, Full Medical.
VitalityRewards for a healthy and active lifestyle can reduce long-term costs.Active Rewards programme, comprehensive wellness benefits.Moratorium, Full Medical.

An expert broker like WeCovr can provide a detailed comparison of these and other specialist providers, ensuring you get the policy that best matches your personal health needs and budget.

Understanding Underwriting: The Most Important Choice You'll Make

When you apply for PMI, the insurer needs to assess your medical history. This process is called underwriting, and it determines what will be excluded from your policy. You will typically be offered two main options.

1. Moratorium (MOR) Underwriting

This is the most common type of underwriting in the UK.

  • How it works: You don't have to disclose your full medical history on application. Instead, the insurer automatically excludes any condition for which you've had symptoms, treatment, or advice in the 5 years prior to the policy start date.
  • The "2-Year Rule": An exclusion can be lifted if you complete 2 continuous years on the policy without having any symptoms, treatment, or advice for that specific condition.
  • Pros: Quick and easy application process.
  • Cons: There can be uncertainty. You only find out if a condition is covered when you make a claim, which can sometimes lead to disputes or disappointment.

2. Full Medical Underwriting (FMU)

This is a more detailed and transparent process.

  • How it works: You complete a comprehensive health questionnaire, declaring your medical history. The insurer's underwriting team reviews it and then issues your policy documents with a clear list of any personal exclusions.
  • Pros: You have complete certainty from day one. You know exactly what is and isn't covered.
  • Cons: The application process is longer. Pre-existing conditions identified will be permanently excluded from the policy.

Which is better for over 60s? For many people in their 60s who may have a more complex medical history, Full Medical Underwriting (FMU) is often the recommended path. It provides absolute clarity and avoids any unwelcome surprises when you need to use your insurance. A broker can help you complete the forms accurately and advise on the best option for your circumstances.

How to Keep Costs Down: A Practical Guide for Over 60s

Premiums for private health insurance inevitably increase with age, as the statistical risk of needing treatment rises. However, there are several effective strategies to manage the cost and keep your policy affordable.

  1. Increase Your Excess: The excess is the amount you agree to pay towards a claim. For example, if you have a £250 excess and your treatment costs £4,000, you pay the first £250 and the insurer pays the rest. Choosing a higher excess (e.g., £500 or £1,000) will significantly reduce your monthly or annual premium.
  2. Opt for the '6-Week Wait' Option: This is an excellent cost-saving feature. With this clause, if the NHS waiting list for the in-patient treatment you need is less than six weeks, you agree to use the NHS. If the wait is longer than six weeks, your private cover kicks in immediately. This can reduce premiums by 20-30%.
  3. Select a Limited Hospital List: Insurers have tiered hospital lists. The most expensive policies include all hospitals, including high-cost ones in central London. By choosing a list that covers quality private hospitals in your local area but excludes the premium London centres, you can make substantial savings.
  4. Tailor Your Out-patient Cover: Comprehensive policies offer unlimited out-patient cover, but this is expensive. You can choose a set limit, for example, £1,000 or £500 per year. This is often enough to cover a few consultations and a diagnostic scan, providing a good balance between cost and cover.
  5. Review Your Policy Annually: Never simply let your policy auto-renew. Insurers often save their best rates for new customers. An independent broker can re-broke the market for you each year to ensure you are still on the most competitive and suitable plan.

The Role of a Specialist PMI Broker Like WeCovr

Trying to compare the market alone can be overwhelming. The terminology is complex, and each provider has different strengths. This is where a specialist broker adds immense value.

  • Independent, Expert Advice: An FCA-authorised broker like WeCovr works for you, not the insurer. We provide impartial advice based on a thorough understanding of the entire UK PMI market.
  • Market Comparison: We do the hard work for you, comparing policies from all the leading providers to find the one that best suits your health needs and budget.
  • No Cost to You: Our service is completely free for our clients. We receive a commission from the insurer you choose, which is already built into the premium. You don't pay a penny more for our expert guidance.
  • Application and Claims Support: We assist you with the application process, ensuring all details are correct, and can provide support and advocacy if you ever need to make a claim.
  • Exclusive Benefits: When you arrange a policy through WeCovr, you also get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to support your health goals. Furthermore, customers often receive discounts on other types of insurance, such as travel or life cover.

Given our high customer satisfaction ratings and dedicated expertise, working with WeCovr is the smartest way to secure the right private medical insurance in the UK.

Health, Wellness, and Staying Active in Your 60s

Your health is your greatest asset. While insurance provides a safety net, proactive steps to stay well are just as important.

  • Nutrition: Focus on a balanced diet rich in fruit, vegetables, lean protein, and whole grains. Pay attention to calcium and Vitamin D for bone health.
  • Stay Active: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This could be brisk walking, cycling, swimming, or dancing. Incorporate activities that improve strength, balance, and flexibility, such as yoga or tai chi.
  • Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. It is crucial for physical recovery, cognitive function, and immune health.
  • Social Connection: Maintain strong social ties with friends and family. Engaging in community activities or hobbies is proven to boost mental and emotional wellbeing.
  • NHS Health Checks: If you're aged 40-74, you're eligible for a free NHS Health Check every five years to spot early signs of stroke, kidney disease, heart disease, type 2 diabetes, or dementia.

Can I get private medical insurance if I have pre-existing conditions?

Yes, you can absolutely get a policy, but it is a fundamental principle of UK private medical insurance that it does not cover pre-existing or chronic conditions. The policy is designed to cover new, acute conditions that arise after you join. How your pre-existing conditions are handled depends on the underwriting method you choose (Moratorium or Full Medical Underwriting), but they will be excluded from cover.

Is there an age limit for getting private health insurance?

Most major UK insurers, including Bupa, Aviva, and AXA Health, do not have an upper age limit for new applicants. You can apply for a policy at any age. However, it is important to know that premiums are calculated based on age and are therefore significantly higher for those in their 60s, 70s, and beyond compared to younger applicants, reflecting the higher statistical likelihood of making a claim.

Will my private medical insurance premiums go up every year?

Generally, yes. You should expect your premium to increase each year for two main reasons. The first is your age; as you get older, you move into a higher age-related risk bracket. The second is medical inflation, which is the rising cost of private medical treatments, new drugs, and advanced technology, which typically runs higher than general inflation. Making claims can also affect your No Claims Discount, potentially leading to a higher renewal price.

Take the Next Step Towards Peace of Mind

Choosing the right private medical insurance is a significant decision. It's about investing in your future health and ensuring you have access to the best possible care when you need it most.

Ready to explore your options? The expert, FCA-authorised team at WeCovr can provide a free, no-obligation comparison of the UK's leading PMI providers. We'll listen to your needs, answer your questions, and help you find the perfect cover.

Get your personalised quote today and secure peace of mind for the years ahead.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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