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Bupa vs The Exeter Large Provider vs Specialist Mutual




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TL;DR

Choosing the right private medical insurance in the UK can feel like a daunting task. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we believe clarity is key. This guide cuts through the noise, comparing two of the market's most distinct players: Bupa and The Exeter.

Key takeaways

  • Bupa represents the established, comprehensive, large-scale provider. It offers a vast network and a wide array of options, often seen as a byword for private healthcare in the UK.
  • The Exeter, as a mutual society, operates on a different model. It is owned by its members (policyholders), not shareholders, and has a reputation for flexible underwriting and a member-centric approach.
  • Brand Trust: Bupa is arguably the most recognised private health insurance brand in the UK.
  • Scale and Network: It operates its own clinics and has powerful negotiating power with a vast network of private hospitals.
  • Comprehensive Options: Bupa offers a wide range of plans, from basic cover to fully comprehensive international policies.

Choosing the right private medical insurance in the UK can feel like a daunting task. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we believe clarity is key. This guide cuts through the noise, comparing two of the market's most distinct players: Bupa and The Exeter.

We'll explore which provider offers better value for individuals and small families, breaking down their cover, costs, and unique philosophies. Our goal is to give you the confidence to make an informed decision for your health and finances.

Which offers better value for individuals and small families?

The question of "better value" isn't just about the lowest price; it's about the best possible outcome for your specific needs. The choice between Bupa and The Exeter is a classic "big brand vs. specialist" dilemma.

  • Bupa represents the established, comprehensive, large-scale provider. It offers a vast network and a wide array of options, often seen as a byword for private healthcare in the UK.
  • The Exeter, as a mutual society, operates on a different model. It is owned by its members (policyholders), not shareholders, and has a reputation for flexible underwriting and a member-centric approach.

For an individual or family, the right choice depends entirely on your priorities: Do you favour the security of a household name with extensive resources, or the tailored, flexible approach of a specialist mutual? This article will help you decide.

At a Glance: Bupa vs The Exeter

This table provides a high-level overview of the two providers, highlighting their core differences.

FeatureBupaThe ExeterWeCovr Adviser Insight
Company TypePrivate company limited by guarantee (re-invests profits)Friendly Society (a mutual, owned by members)The Exeter's mutual status means its primary duty is to its policyholders, which can influence its claims and service philosophy.
Market PositionOne of the UK's "Big Three" PMI providersMid-sized specialist insurerBupa offers huge brand recognition and scale. The Exeter is a respected niche player, often favoured by brokers for complex cases.
Core PhilosophyProviding comprehensive health and wellbeing services at scale.Protecting members' health and finances with flexible, personalised cover.Bupa's focus is on a broad, all-encompassing service. The Exeter excels at finding solutions for non-standard applicants.
Ideal CustomerIndividuals/families seeking a trusted brand with extensive options and a large hospital network.Self-employed, older applicants, or those with some health history who need flexible underwriting.We often find The Exeter to be a superior choice for clients over 50 or those with health conditions that other insurers might decline.

Understanding the Providers: Who Are Bupa and The Exeter?

Before diving into policy specifics, it's crucial to understand the organisations themselves. Their history and structure shape the products they offer and the service you receive.

Bupa: The UK's Best-Known Health Insurance Giant

Bupa (the British United Provident Association) has been a dominant force in UK private healthcare since its formation in 1947. It was created with the aim of "preventing, relieving and curing sickness and ill-health of every kind."

As a company limited by guarantee, Bupa has no shareholders. Like a mutual, it reinvests its profits back into the business, funding better healthcare services, facilities, and technology.

Key Strengths of Bupa:

  • Brand Trust: Bupa is arguably the most recognised private health insurance brand in the UK.
  • Scale and Network: It operates its own clinics and has powerful negotiating power with a vast network of private hospitals.
  • Comprehensive Options: Bupa offers a wide range of plans, from basic cover to fully comprehensive international policies.
  • Digital Health: Strong investment in digital tools, including its own Digital GP service and health apps.

The Exeter: The Specialist Mutual Insurer

Founded in 1927, The Exeter is a Friendly Society. This legal structure means it is owned by and run for its members. This member-first ethos is at the heart of its operations. Any profits generated are used for the benefit of members, either through improved services, competitive premiums, or by bolstering the society's financial reserves.

The Exeter has carved out a strong reputation in the protection market, particularly for health insurance and income protection for clients who may not fit the standard mould.

Key Strengths of The Exeter:

  • Member-Owned: Its decisions are driven by member interests, not shareholder returns, which can lead to a more empathetic claims process.
  • Underwriting Flexibility: The Exeter is well-known among brokers for its willingness to consider applications from older individuals and those with some pre-existing medical conditions, often offering terms where others won't.
  • Clear Product Design: Its "Health+" policy is designed to be straightforward and easy to understand.
  • Strong Community Focus: As a mutual, there's a greater sense of community and long-term commitment to policyholders.

Core Cover Breakdown: What's Included as Standard?

All UK private medical insurance policies are built on a foundation of core cover. This is the non-negotiable part of the plan that covers the most expensive treatments.

Crucial Point: 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 (illnesses that require long-term monitoring and management, like diabetes or asthma) or pre-existing conditions you have experienced symptoms of or sought advice for in the 5 years before your policy start date.

Here’s how Bupa's and The Exeter's core cover compares for their flagship individual plans.

Core BenefitBupa By You (Comprehensive)The Exeter Health+WeCovr Adviser Insight
In-patient & Day-patientCovered in fullCovered in fullThis is the foundation of any PMI policy, covering surgery and hospital stays. Both are excellent here.
Cancer CoverCovered in full (with some limits on advanced treatments)Covered in full (including palliative care and monitoring)Both offer extensive cancer cover. The Exeter's inclusion of ongoing monitoring post-treatment is a strong feature.
Digital GP ServiceIncluded (Bupa's own service)Included (via Healthwise app)A standard feature now, essential for getting quick medical advice and referrals. Both services are well-regarded.
Basic Mental HealthIncluded (support for conditions like stress, anxiety)Included (up to 4 sessions of talking therapy via Healthwise)Both provide good initial support. For more extensive mental health cover, you need to add an optional extra.

As you can see, the core offering for major medical events is robust from both providers. The real differences emerge when you start to customise your policy.

Customising Your Policy: A Deep Dive into Optional Extras

To manage your premium and tailor the policy to your needs, you can add or remove optional extras. This is where you can see the different approaches of Bupa and The Exeter.

Out-patient Cover

This covers diagnostic tests, scans, and consultations that don't require a hospital bed. It's one of the most frequently used benefits and a key area of difference.

  • Bupa (illustrative): Typically offers a monetary limit for out-patient cover (e.g., £500, £750, £1,000, or unlimited). This gives you flexibility in how you use your benefit—you could have one expensive MRI or several cheaper consultations.
  • The Exeter: Offers a choice. You can have a monetary limit similar to Bupa, or you can opt for a set number of specialist consultations and a separate monetary limit for diagnostics.

Client Scenario: Sarah needs an MRI scan (£800) and two follow-up consultations (£200 each).

  • With a Bupa £1,000 limit, her MRI and one consultation would be covered. She'd pay for the second consultation herself. (illustrative estimate)
  • With The Exeter's option of unlimited diagnostics and 3 specialist consultations, everything would be covered. This highlights how different structures can deliver different value.

Therapies Cover

This includes treatments like physiotherapy, osteopathy, and chiropractic care.

  • Bupa (illustrative): Usually combines therapies within your chosen out-patient limit. If you have a £1,000 limit, your physio sessions will draw from that same pot.
  • The Exeter: Offers therapies as a distinct add-on, often with its own separate limit. This prevents your therapy sessions from eating into your budget for specialist consultations or scans.

Mental Health Pathways

While both offer basic support, their enhanced mental health options differ.

  • Bupa: Offers an extensive Mental Health add-on that covers a wide range of psychiatric treatments, both as an in-patient and out-patient.
  • The Exeter: Provides enhanced mental health cover as part of its out-patient options, covering therapies and specialist consultations for mental health conditions.

An expert broker at WeCovr can help you navigate these subtle but important differences to ensure you have the right level of cover for your family's mental wellbeing.

Get Tailored Quote

The Financial Levers: Excess, Hospital Lists, and No Claims Discounts

These three elements are the primary tools you have to control your monthly premium.

1. Excess: Your Contribution to a Claim

The excess is the amount you agree to pay towards a claim in each policy year. A higher excess results in a lower premium.

ProviderRange of Excess Options (per person, per year)
Bupa£0, £100, £150, £200, £250, £500, £1,000
The Exeter£0, £100, £250, £500, £1,000, £2,500, £5,000

Insider Tip: The Exeter offers a very high £5,000 excess option. This is a fantastic cost-control tool for individuals or families who want a policy purely for major medical catastrophes, keeping their monthly costs very low while still having comprehensive cover in place for serious illness or injury.

2. Hospital Lists: Where You Can Be Treated

Insurers use tiered hospital lists to manage costs. The more exclusive the list (e.g., including expensive central London hospitals), the higher the premium.

  • Bupa: Has several tiers of hospital lists. Its "Essential Access" list offers a significant discount by focusing on a select network. Its "Extended Choice" list includes most private hospitals, including many in London.
  • The Exeter: Also uses a tiered list. A key difference is that The Exeter may be more flexible in allowing treatment at a non-listed hospital with prior agreement, reflecting their customer-service focus.

3. No Claims Discount (NCD)

Both providers reward you with a discount on your renewal premium for every year you don't make a claim.

  • Bupa: Has a standard NCD scale, typically rising to around 70-75%. If you claim, your NCD level will step back by a few levels.
  • The Exeter: Offers a similar scale but has a unique feature where you can choose to protect your NCD. For a small additional premium, you can make one claim without it affecting your discount level, offering valuable cost certainty.

Underwriting: The Most Critical Decision You'll Make

Underwriting is how an insurer assesses your medical history to decide what they will and will not cover. This is arguably the most important part of setting up a policy.

Remember: Conditions you've had in the 5 years before your policy starts are considered "pre-existing" and will be excluded, at least initially.

1. Moratorium Underwriting (The "Wait and See" Approach)

This is the most common type. The insurer doesn't ask for your full medical history upfront. Instead, any condition you've had in the 5 years before joining is automatically excluded. However, if you go for 2 continuous years on the policy without any symptoms, treatment, or advice for that condition, it may become eligible for cover.

  • Best for: Younger, healthier individuals with a clean medical history.

2. Full Medical Underwriting (FMU) (The "Upfront" Approach)

You complete a detailed health questionnaire. The insurer reviews your medical history and tells you from day one exactly what is and isn't covered. There is no ambiguity.

  • Best for: Anyone with previous health issues, as it provides certainty.

Bupa vs The Exeter: Underwriting Flexibility

This is where The Exeter truly shines and why it's a favourite among specialist brokers.

  • Bupa's underwriting is robust and follows industry standards. It is clear and effective but can be rigid.
  • The Exeter is renowned for its flexible and individual approach. Their underwriters will often take the time to understand a specific medical condition and may offer cover where other insurers would apply a standard exclusion. For example, they might be willing to cover a historic joint injury or a minor skin condition after assessing the case individually.

Broker Insight: We frequently approach The Exeter for clients who have been declined or had broad exclusions placed on their policy by larger insurers. The Exeter's willingness to look at the person, not just the condition, is a major source of value. This is a process best navigated by an expert adviser from WeCovr.

Real-World Scenarios: How Do They Compare on Price?

Premiums are highly personalised, based on age, location, chosen cover, and medical history. The following table provides illustrative monthly premium ranges for mid-tier cover to demonstrate potential costs.

Disclaimer: These are estimates for 2026 and not a formal quote.

ScenarioBupa (Illustrative Monthly Premium)The Exeter (Illustrative Monthly Premium)Key Considerations
35-year-old individual (non-smoker, living in Manchester, £250 excess, mid-tier out-patient)£65 - £85£60 - £80Prices are often competitive. The Exeter can be slightly cheaper, especially with a higher excess.
Family of 4 (Parents aged 42, children 10 & 8, living in Bristol, £500 family excess, mid-tier cover)£190 - £240£180 - £230Family discounts can apply. The Exeter's flexible excess and NCD protection can offer great value here.
60-year-old couple (living in Surrey, seeking comprehensive cover with a £1,000 excess)£350 - £450£320 - £420The Exeter is often significantly more competitive for older applicants due to their specialist focus.

To get an accurate price based on your unique circumstances, you must get a tailored quote.

The Claims Process and Customer Experience

A policy is only as good as the service you receive when you need it most.

Making a Claim: How Easy Is It?

Both providers have a straightforward claims process:

  1. Visit your GP for a referral.
  2. Contact the insurer for pre-authorisation before any consultation or treatment.
  3. The insurer settles the bill directly with the hospital or specialist.
  • Bupa has a highly developed digital infrastructure, including an online portal and app for tracking claims. They also have direct settlement agreements with a huge number of specialists, simplifying the process.
  • The Exeter is praised for its personal, human-touch service. While their digital tools are excellent (via the Healthwise app), you are more likely to speak to a dedicated case manager who will guide you through the process. Their member-owned status often translates into a more empathetic and supportive claims experience.

Member Benefits and Digital Tools

  • Bupa: Offers a suite of wellness services, discounts on gym memberships, and access to its extensive online health content.
  • The Exeter: Provides its Healthwise app to all members, which includes a Digital GP, second medical opinion service, and access to physiotherapy and mental health support, regardless of whether you've added them as an option. This adds significant day-one value.

Furthermore, all WeCovr clients who take out a PMI or life insurance policy gain complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, adding another layer of value to your health journey.

WeCovr's Expert Verdict: Which Provider is Right for You?

After comparing both providers across the key metrics, our verdict is that the "better" provider is entirely personal.

You should strongly consider Bupa if:

  • You value the ultimate security of a major, trusted UK brand.
  • You want access to the widest possible range of hospital networks and comprehensive benefits.
  • You prefer a slick, digitally-led customer experience for managing your policy and claims.
  • You have a relatively clean bill of health and fit a standard risk profile.

You should strongly consider The Exeter if:

  • You are older, self-employed, or have a health history that might concern other insurers.
  • You value the ethos of a member-owned mutual over a large corporation.
  • You want maximum flexibility in controlling your premium with high excess options.
  • You appreciate a more personal, case-managed approach to claims and service.

The Broker Advantage Ultimately, you don't have to choose alone. An independent broker like WeCovr can compare the entire market for you, including Bupa, The Exeter, and other leading providers like AXA and Vitality. We can advise on the critical underwriting process and often secure better terms than if you go direct. Plus, clients who purchase PMI through us can receive discounts on other policies like life or income protection insurance.

Can I switch from Bupa to The Exeter (or vice versa)?

Yes, you can. When switching private medical insurance providers, it's vital to do so on a "Continued Medical Exclusions" (CME) or "Continued Moratorium" (CMORI) basis. This allows you to carry over your underwriting from your old policy to the new one, meaning you won't have to start a new 2-year waiting period for pre-existing conditions. An expert broker is essential to manage this process correctly to ensure no loss of cover.

Does private health insurance cover pre-existing conditions?

Generally, no. UK private medical insurance is designed to cover new, acute conditions that arise after you take out the policy. Any condition for which you have experienced symptoms, taken medication, or sought medical advice in the 5 years prior to your policy start date will be excluded. Under moratorium underwriting, these exclusions may be lifted if you go 2 full years without any issues relating to that condition.

Is private medical insurance worth it for a family?

For many families, private medical insurance provides invaluable peace of mind. The key benefits are fast access to specialist consultations, diagnostic scans, and treatment, bypassing potentially long NHS waiting lists. This is particularly important for children, as it can mean a quicker return to school and normal life. Many insurers also offer family discounts or cover children for free, making it a valuable investment in your family's health and wellbeing.

Ready to Find the Best Value PMI for You and Your Family?

The choice between a giant like Bupa and a specialist like The Exeter is complex. The right policy is one that's tailored to your health, your budget, and your priorities.

Let us do the hard work for you. A WeCovr adviser can provide a free, no-obligation market comparison, helping you navigate the options and find the perfect cover at the best possible 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.

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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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