WeCovr.

Login

Bupa vs AXA Health Which PMI Is Better




Watch this on a dedicated video page
Scroll for the full guide
↓

TL;DR

Choosing the right private medical insurance in the UK can feel like a monumental task. As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the importance of clarity. This guide directly compares two of the UK's leading providers, Bupa and AXA Health, to help you make an informed decision.

Key takeaways

  • Established: 1947
  • Structure: A company limited by guarantee (no shareholders)
  • Key Strength: Deeply integrated into UK healthcare with its own facilities and a massive network.
  • Established: Roots in the UK as PPP Healthcare from 1940.
  • Structure: Part of the publicly-listed global AXA Group.

Choosing the right private medical insurance in the UK can feel like a monumental task. As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the importance of clarity. This guide directly compares two of the UK's leading providers, Bupa and AXA Health, to help you make an informed decision.

Direct comparison of features, pricing, customer service and exclusions

When you're weighing up your options, a side-by-side view is often the most helpful. Bupa and AXA Health are both titans of the UK private health cover market, but they have distinct differences in their approach, offerings, and pricing structure.

Here is a high-level overview to get us started.

FeatureBupaAXA HealthKey Consideration for You
Market PositionUK's largest PMI provider, extensive network.Global insurance giant, strong UK presence.Both are stable, reputable choices with vast resources.
Core Cover FocusIn-patient and day-patient treatment as standard.Comprehensive core cover with a high degree of customisation.Both cover the essentials, the difference is in the detail.
Cancer CoverExtensive cancer cover, no time or financial limits on eligible treatment.Full cancer cover as standard, including chemotherapy and aftercare.Both offer excellent cancer care. Check specifics on experimental drugs.
Mental HealthStrong focus, often included in core or as a priority upgrade.Comprehensive mental health options, including therapies.Your personal priority for mental health support will be key here.
Digital GP'Babylon' digital GP service available 24/7.'Doctor at Hand' service provided by AXA's own company.Both offer fast, convenient access to a GP.
UnderwritingMoratorium, Full Medical Underwriting (FMU).Moratorium, Full Medical Underwriting (FMU).Your medical history will determine the best option for you.
Wellness AppBupa Touch app for policy management and health support.AXA Health app with access to services and support.Both offer useful digital tools to manage your health and policy.
Customer ServiceGenerally positive, large-scale operation.Strong reputation for customer service and claims handling.Personal preference may come down to user reviews and specific experiences.

This table provides a snapshot, but the best PMI provider for you depends entirely on your personal circumstances, budget, and health priorities. Let's dive deeper.

Who are Bupa and AXA Health? A Look at the Giants

Understanding the heritage and scale of these organisations can provide confidence in their ability to deliver on their promises.

Bupa: A Household Name in UK Healthcare

Bupa (the British United Provident Association) has been a cornerstone of UK healthcare since its formation in 1947, just before the NHS. It was founded with the aim of preventing, relieving, and curing sickness and ill-health.

Unlike many insurers, Bupa has no shareholders. This means it reinvests its profits back into healthcare services, technology, and facilities. It's a vast organisation that not only provides insurance but also operates its own network of hospitals, clinics, and care homes. This integrated approach gives them a unique perspective on healthcare delivery.

  • Established: 1947
  • Structure: A company limited by guarantee (no shareholders)
  • Key Strength: Deeply integrated into UK healthcare with its own facilities and a massive network.

AXA Health: The Global Powerhouse

AXA Health is part of the global AXA Group, one of the world's largest insurance and asset management companies. In the UK, their health insurance arm was significantly bolstered when they acquired Simplyhealth's private medical insurance business and, before that, PPP Healthcare.

This global backing gives AXA Health immense financial stability and access to worldwide health trends and innovations. They are known for their customer-centric approach, clear policy language, and a strong focus on empowering members to take control of their health.

  • Established: Roots in the UK as PPP Healthcare from 1940.
  • Structure: Part of the publicly-listed global AXA Group.
  • Key Strength: Financial might, global expertise, and a strong focus on customer service and technology.

Core Cover: What's Included as Standard?

The foundation of any private medical insurance policy is its 'core cover'. This is the part of the plan that covers the most significant medical costs, primarily related to hospital stays. Both Bupa and AXA Health build their policies around a solid core, but with subtle differences.

A Critical Note on PMI: It's vital to understand that standard UK private medical insurance is designed to cover acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. It does not cover chronic conditions (long-term illnesses like diabetes, asthma, or high blood pressure) or pre-existing conditions that you had before you took out the policy.

Here’s how their core offerings typically compare:

Core Cover ElementBupa (Comprehensive Policy)AXA Health (Personal Health Policy)
In-patient & Day-patientCovered in full (for eligible conditions).Covered in full (for eligible conditions).
Cancer CoverCovered in full for eligible treatment, with no time limits.Full cover for cancer treatment as standard.
Surgeon & Anaesthetist FeesCovered in full when using a Bupa-recognised consultant.Covered in full for recognised specialists.
Hospital ChargesCovered in full at a hospital from your chosen list.Covered in full at a hospital from your chosen list.
Diagnostics (Scans)MRI, CT, and PET scans covered for in-patient/day-patient care.MRI, CT, and PET scans covered for in-patient/day-patient care.
Virtual GP AccessYes, 24/7 access via Babylon.Yes, 24/7 access via Doctor at Hand.
Mental Health SupportSome support included as standard, full cover is an add-on.Focus on wellbeing support, full cover is an add-on.

Both providers ensure that if you need to be admitted to hospital for surgery or treatment for a new, acute condition, the major costs will be covered. The main differences start to appear when you look at out-patient limits and optional extras.

Optional Extras & Customisation: Tailoring Your Policy

This is where you can truly shape your policy to fit your needs and budget. Adding or removing options is the primary way to control your premium.

Bupa 'By You' Customisation

Bupa's 'By You' product is designed to be flexible. You start with their core 'Comprehensive' cover and can then add or remove benefits.

  • Out-patient Cover: This is a crucial option. Without it, you would need to rely on the NHS for consultations and diagnostic tests leading up to a private procedure. Bupa typically offers various levels, such as £500, £750, £1,000, or unlimited.
  • Therapies: This covers treatments like physiotherapy, osteopathy, and chiropractic care. You can add this on, often with limits on the number of sessions.
  • Mental Health Cover: While basic support is included, Bupa offers an extensive mental health add-on. This covers consultations with psychiatrists and treatment at specialist mental health facilities.
  • Dental and Optical Cover: This can be added to contribute towards routine check-ups, treatments, and prescription eyewear. It operates more like a cashback plan.
  • Hospital List Choice: Choosing a more restricted hospital network (e.g., excluding central London hospitals) can significantly reduce your premium.

AXA Health 'Personal Health' Customisation

AXA Health also offers a highly customisable plan, allowing you to build cover that suits you.

  • Out-patient Options: AXA often provides different ways to manage out-patient costs. You might choose a set number of consultations or a monetary limit. Their "Standard" out-patient option is a popular middle ground.
  • Therapies Cover: Like Bupa, you can add cover for physiotherapy and other complementary treatments. AXA's "First Choice" network provides access to approved therapists.
  • Mental Health Options: AXA provides a comprehensive pathway, from initial support via their app to full psychiatric cover if you select this option.
  • Dental and Optical: This can be added as a separate module, providing cashback for routine care.
  • Travel Cover: AXA sometimes allows you to add a travel insurance option to your health policy, which can be convenient.
  • Hospital List: AXA's "Directory of Hospitals" has different tiers. Opting for a more local or limited list will lower your costs.

The best way to navigate these options is to speak with an expert PMI broker like WeCovr. We can model different scenarios for you, showing exactly how adding or removing a benefit impacts your monthly premium at no extra cost to you.

The Crucial Question of Cost: Bupa vs AXA Health Pricing

Price is, for many, the deciding factor. It's impossible to give a definitive "cheaper" verdict, as the cost of private medical insurance UK is highly personal.

Several key factors influence your premium:

  1. Age: Premiums increase as you get older.
  2. Location: Living in areas with higher treatment costs (like London and the South East) will result in higher premiums.
  3. Level of Cover: The more optional extras you add (e.g., unlimited out-patient, full mental health), the more you'll pay.
  4. Excess (illustrative): This is the amount you agree to pay towards a claim. A higher excess (£500 or £1,000) will lower your monthly premium.
  5. Underwriting: The type of underwriting you choose will affect your price and what's covered.

Illustrative Price Comparison

To give you a rough idea, here are some example profiles. These are illustrative estimates only and not a quote. Your actual price will vary.

Assumptions: Non-smoker, living in a mid-cost region (e.g., Manchester), £250 excess, standard hospital list, and a mid-range out-patient cover of £1,000.

AgeBupa 'By You' (Illustrative Monthly Premium)AXA 'Personal Health' (Illustrative Monthly Premium)
30£45 - £60£40 - £55
45£70 - £90£65 - £85
60£120 - £150£110 - £140

Observations:

  • Historically, AXA Health has often been slightly more competitive on price for younger applicants, while Bupa's pricing can be very competitive for older demographics or those seeking the most comprehensive cover.
  • These figures can change based on promotions, underwriting choices, and the specific combination of benefits. The only way to get a true comparison is to get personalised quotes.

Underwriting Explained: Moratorium vs Full Medical Underwriting

This is perhaps the most technical, yet most important, part of applying for PMI.

  1. Moratorium (Mori) Underwriting: This is the most common type. You don't have to declare your full medical history upfront. Instead, the insurer automatically excludes treatment for any medical conditions you've had symptoms, treatment, or advice for in the five years before your policy started. However, if you then go for a continuous two-year period after your policy starts without any symptoms, treatment, or advice for that condition, it may become eligible for cover. It's simpler and quicker to set up.

  2. Full Medical Underwriting (FMU): With FMU, you complete a detailed health questionnaire, declaring your full medical history. The insurer's underwriting team assesses this and tells you from day one exactly what is and isn't covered. Any pre-existing conditions will be explicitly excluded in writing on your policy documents. This provides certainty but takes longer to set up.

Both Bupa and AXA Health offer both types of underwriting. A broker can help you decide which is more suitable for your personal medical history.

Hospital Lists: Where Can You Be Treated?

Your choice of hospital list has a direct impact on your premium. Both insurers have negotiated rates with hospital groups across the UK.

  • Bupa's Hospital Networks: Bupa typically offers three tiers.

    • Essential Access: A limited list of hospitals, offering the lowest price.
    • Extended Choice: A comprehensive list including private wings of NHS hospitals and most private hospital groups.
    • Extended Choice with Central London: The most comprehensive list, including the high-cost private hospitals in central London.

  • AXA's Directory of Hospitals: AXA also has a tiered system.

    • Local Hospital Lists: You can sometimes choose a list restricted to specific local hospital groups.
    • Standard Directory: A wide-ranging list covering the majority of the UK's private hospitals.
    • London Upgrades: A specific add-on is required to access the premium London hospitals.

For most people outside the M25, a standard or extended list without the London upgrade is perfectly adequate and more cost-effective.

Making a Claim: The Customer Journey

The moment of truth for any insurance policy is when you need to use it. Both Bupa and AXA have streamlined their claims processes.

The Typical Claims Process:

  1. See Your GP: You feel unwell and visit your NHS or private GP.
  2. Get a Referral: If your GP thinks you need to see a specialist, they will write you an 'open referral' letter.
  3. Contact Your Insurer: You call Bupa or AXA Health's claims line or log the claim via their app. You'll need your policy number and the details from the referral letter.
  4. Authorisation: The insurer checks that the condition and proposed treatment are covered by your policy. They will provide you with an authorisation number.
  5. Book Your Appointment: The insurer will provide you with a list of approved specialists and hospitals. You then book your consultation or treatment.
  6. Direct Settlement: The hospital and specialist will usually bill the insurer directly. You only need to pay your chosen excess.

Both Bupa and AXA have large, UK-based claims teams. AXA Health, in particular, often receives praise for its clear communication and efficient claims handling.

Customer Service and Reputation: What Do Real Customers Say?

Customer service is subjective, but we can look at public data to get a feel for general satisfaction levels.

  • Trustpilot: As of late 2024/early 2025, both companies have thousands of reviews. AXA Health generally holds a slightly higher Trustpilot rating than Bupa UK, often praised for its helpful staff and smooth processes. Bupa, being a larger entity, has a wider range of reviews covering all its services (insurance, dental, care homes), which can sometimes dilute the insurance-specific feedback.
  • FCA Complaint Data: The Financial Conduct Authority publishes data on complaints received by financial firms. Historically, both firms have a low complaints-to-policies ratio, reflecting their professionalism. However, it's always worth checking the latest data.
  • Industry Awards: Both providers regularly win awards for their products and services at industry events like the Health Insurance & Protection Awards.

Working with an independent broker like WeCovr gives you an extra layer of support. If you ever have an issue with a claim, we can advocate on your behalf, using our expertise and relationship with the insurer to help find a resolution. WeCovr consistently receives high satisfaction ratings from our customers for this very reason.

Digital Tools & Wellness Programmes: Beyond Just Insurance

Modern private health cover is about more than just paying for treatment; it's about helping you stay healthy.

FeatureBupaAXA Health
Main AppBupa Touch: Manage policy, make claims, access digital GP, view health information.AXA Health App: Access Doctor at Hand, find specialists, manage wellbeing.
Virtual GPBabylon: 24/7 video or phone consultations with a GP.Doctor at Hand: 24/7 video consultations with a GP (an AXA-owned company).
Mental Health AppAccess to SilverCloud Health for online CBT programmes.Proactive support through the app and 'Mind Health' service.
Other PerksMember offers including gym discounts and health assessments.'ActivePlus' discounts on gym memberships and fitness trackers.

In addition to these excellent tools, when you arrange your policy through WeCovr, you also get complimentary lifetime access to our AI-powered calorie and nutrition tracking app, CalorieHero. This powerful tool can help you manage your diet and achieve your health goals, perfectly complementing the wellness benefits offered by your insurer.

Exclusions: What's NOT Covered?

Understanding exclusions is non-negotiable. As mentioned, PMI is for new, acute conditions. Here are the things that are almost universally not covered by standard Bupa or AXA Health policies:

  • Pre-existing conditions (unless you have been symptom-free for the required period under moratorium underwriting).
  • Chronic conditions like diabetes, asthma, epilepsy, and high blood pressure. PMI may cover an acute flare-up, but not the day-to-day management.
  • Emergency services (A&E visits are handled by the NHS).
  • Normal pregnancy and childbirth.
  • Cosmetic surgery (unless required for reconstructive purposes after an accident or eligible cancer surgery).
  • Self-inflicted injuries or conditions arising from substance abuse.
  • Infertility treatment.

Always read your policy documents carefully to understand the full list of exclusions.

A Note on Wellness: A Proactive Approach to Your Health

While insurance provides a safety net, the best strategy is always to proactively manage your health. Insurers like Bupa and AXA encourage this because a healthier member is less likely to claim.

  • Diet: A balanced diet rich in whole foods, fruits, and vegetables is fundamental. Tools like WeCovr's CalorieHero app can make tracking your intake simple and effective.
  • Activity: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This could be a brisk walk, a bike ride, or a swim.
  • Sleep: Aim for 7-9 hours of quality sleep per night. It's as important as diet and exercise for your physical and mental resilience.
  • Stress Management: Utilise the mental health resources provided by your insurer. Even a few minutes of mindfulness or a chat with a telephone counsellor can make a huge difference.

Why Use a Broker like WeCovr?

You can go direct to Bupa or AXA, but you might be missing out. Using an independent, FCA-authorised broker like WeCovr offers several key advantages at no cost to you.

  1. Whole-of-Market Advice: We aren't tied to one insurer. We compare Bupa, AXA Health, and other leading providers like Vitality and Aviva to find the policy that truly fits your needs and budget.
  2. Expert Guidance: We demystify the jargon. We'll explain underwriting, hospital lists, and benefit options in plain English so you can choose with confidence.
  3. Price Savings: We have access to the entire market and can quickly identify the best value. Furthermore, if you buy your PMI or life insurance policy through us, we can offer you discounts on other types of cover you might need, such as home or travel insurance.
  4. Hassle-Free Process: We handle the paperwork and application process for you, saving you time and effort.
  5. Claims Support: If you need to make a claim, we're here to help. We can provide guidance and liaise with the insurer on your behalf if any issues arise.

Bupa vs AXA Health: The Final Verdict

So, which is better?

  • Choose Bupa if you value a deeply integrated healthcare provider with its own facilities and you want arguably the most comprehensive, no-limits cancer cover on the market.
  • Choose AXA Health if you prioritise excellent customer service, a highly customisable policy, competitive pricing for younger applicants, and the backing of a global financial giant.

Ultimately, there is no single "best" provider. The best private medical insurance provider is the one that offers the right combination of cover, service, and price for you.

The smartest move is to compare them both, along with other leading insurers.


Do I need a GP referral to use my private medical insurance?

Generally, yes. For almost all specialist consultations and treatments, both Bupa and AXA Health will require a referral from a GP. This is to ensure the treatment is medically necessary. However, for some direct access services like physiotherapy or mental health support, you may be able to self-refer after speaking with the insurer's clinical team. Both providers also offer 24/7 virtual GP services, which can provide the necessary referral quickly and conveniently.

Can I add my family to my Bupa or AXA Health policy?

Absolutely. Both Bupa and AXA Health are very flexible and allow you to add your partner and/or your children to your policy. You can often tailor the cover for each family member. For example, you might opt for comprehensive cover for yourself but a more basic level for your children. Insurers sometimes offer discounts for adding family members, so it's always worth getting a quote for your whole family.

What happens to my premium every year?

Your private health cover premium will be reviewed annually. It will almost certainly increase each year for two main reasons. Firstly, you will be a year older, which moves you into a higher age-related price bracket. Secondly, insurers apply an increase to account for 'medical inflation' – the rising cost of new drugs, technologies, and hospital treatments, which typically runs much higher than standard inflation. Making a claim can also impact your renewal price, especially if you have a 'no-claims discount'.

Ready to Find Your Perfect Policy?

Don't navigate the complex world of private medical insurance alone. Let the experts at WeCovr do the hard work for you. Get a free, no-obligation quote today and compare Bupa, AXA Health, and more to find the best cover at the best price.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.
Get Quote

Related guides

Aviva vs Bupa vs Vitality vs WPA Which PMI Provider Delivers Better Value
Aviva vs Bupa vs Vitality vs WPA Which PMI Provider Delivers Better Value
Read more →
AXA vs Bupa vs The Exeter vs WPA Which Offers Better Specialist Cover
AXA vs Bupa vs The Exeter vs WPA Which Offers Better Specialist Cover
Read more →
AXA vs Bupa Which Is Better for Cancer Cover in 2026
AXA vs Bupa Which Is Better for Cancer Cover in 2026
Read more →
AXA vs Bupa Which Is Better for Cancer Cover in 2026
AXA vs Bupa Which Is Better for Cancer Cover in 2026
Read more →
AXA vs Bupa Which Private Health Insurance Is Better in 2026
AXA vs Bupa Which Private Health Insurance Is Better in 2026
Read more →
Bupa vs Aviva Which Is the Better Private Medical Insurer in 2026
Bupa vs Aviva Which Is the Better Private Medical Insurer in 2026
Read more →

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:

Our Group Is Proud To Have Issued 900,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

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.

Learn more

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2026 WeCovr. Made with in London