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Can Private Medical Insurance Cover Only Specific Conditions

Can Private Medical Insurance Cover Only Specific Conditions

Can private medical insurance in the UK cover just one specific condition? At WeCovr, an FCA-authorised broker that has helped arrange over 800,000 policies of various kinds, we find this is a common question. This guide explains how you can tailor your cover for key health concerns like cancer, mental health, and pregnancy.

Tailoring PMI for cancer, mental health, or pregnancy—what to expect

Private Medical Insurance (PMI) offers a reassuring alternative to relying solely on the NHS, providing faster access to diagnosis and treatment for a wide range of health issues. A frequent question we encounter is whether it's possible to buy a policy that covers only a specific condition, such as cancer or mental health.

The short answer is no. Standard UK private health cover is designed to be comprehensive. You don't buy a policy solely for cancer in the same way you don't buy car insurance just for tyre punctures. Instead, you purchase a broad policy that you can then tailor, strengthening the cover for the areas that matter most to you.

This guide will walk you through exactly how that tailoring process works, what you can and can't cover, and how to build a policy that gives you peace of mind where you need it most.

The Golden Rule of PMI: Acute vs. Chronic Conditions

Before we dive into specific conditions, it's vital to understand the fundamental principle of all private medical insurance in the UK.

PMI is designed to cover acute conditions that begin after your policy starts.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of conditions like hernias, cataracts, joint pain requiring replacement, or most infections.
  • A chronic condition is a long-term illness that cannot be cured but can be managed. Examples include diabetes, asthma, high blood pressure, and arthritis.

Crucially, standard private medical insurance does not cover the routine management of chronic conditions. It also excludes pre-existing conditions—any illness or injury you had symptoms of, or received advice or treatment for, before your policy began. This is the single most important concept to grasp when considering PMI.

Can I Get PMI Specifically for Cancer?

Cancer is, understandably, a primary driver for many people considering private health cover. The desire for rapid access to the latest treatments, specialist consultants, and a more comfortable care environment is a powerful motivator.

You cannot, however, purchase a "cancer-only" insurance policy from a standard PMI provider. If you have been diagnosed with or are undergoing treatment for cancer, it is considered a pre-existing condition and will be excluded from any new policy.

So, what can you do?

You purchase a comprehensive PMI policy that includes robust cancer cover as a central benefit. In fact, cancer cover is so important that it's often included as a core, non-negotiable part of most mid-to-high-tier policies.

What Does Comprehensive Cancer Cover Include?

When a policy offers strong cancer cover, it goes far beyond a simple diagnosis. It provides an end-to-end "pathway" of care.

Feature of Cancer CoverDescription
DiagnosticsCovers the full cost of consultations, scans (MRI, CT, PET), and tests to diagnose cancer quickly if symptoms arise after your policy starts.
TreatmentIncludes surgery, chemotherapy, and radiotherapy. This is the cornerstone of cancer cover.
Advanced TherapiesAccess to biological therapies, targeted therapies, and immunotherapies that may not be routinely available on the NHS due to cost.
Specialist AccessYour choice of leading oncologists and surgeons from an extensive list of approved specialists.
Hospital ChoiceTreatment in a network of high-quality private hospitals, often with private en-suite rooms.
Palliative CareCovers care focused on providing relief from the symptoms and stress of a serious illness, improving quality of life for both the patient and the family.
Monitoring & Follow-upIncludes check-ups and consultations after your initial treatment has concluded.
Wigs & ProsthesesFinancial contribution towards the cost of wigs if you lose your hair due to chemotherapy, or prostheses if required after surgery.

According to Cancer Research UK, there are around 375,000 new cancer cases in the UK every year. While the NHS provides excellent cancer care, the waiting time targets can come under pressure. For instance, the target is for 93% of people with suspected cancer to see a specialist within two weeks of an urgent GP referral. Private cover aims to shorten this initial diagnostic journey and provide more choice over treatment options.

An expert PMI broker, such as WeCovr, can help you compare the nuances of cancer cover from different providers like Bupa, Aviva, AXA Health, and Vitality, ensuring you get the most comprehensive protection available.

Tailoring Your Private Health Cover for Mental Health

Awareness of mental health has grown significantly, and with it, the demand for accessible support. In recent years, NHS waiting lists for mental health services have become incredibly long. NHS Digital data has consistently shown a high prevalence of mental health challenges, particularly among younger adults. This has made mental health cover a key consideration for PMI buyers.

Like cancer, you cannot buy a standalone "mental health only" policy. Instead, it is typically offered as an optional add-on to a core PMI policy.

What to Expect from Mental Health Cover

The level of mental health support can vary dramatically between policies.

  1. Basic/Core Cover: Many policies offer a very limited amount of mental health support as standard. This might include access to a digital GP or a telephone helpline for initial advice. It almost never includes cover for treatment.

  2. Enhanced Mental Health Add-On: This is where the real value lies. By adding this to your policy, you unlock access to diagnosis and treatment.

Here’s what a good mental health add-on typically provides:

  • Outpatient Support: This is the most commonly used benefit. It covers sessions with a psychologist or therapist for talking therapies like Cognitive Behavioural Therapy (CBT). Policies will usually specify a limit, either as a fixed number of sessions (e.g., 8-10 sessions) or a financial cap (e.g., up to £1,500 per policy year).
  • Inpatient Treatment: For more severe conditions requiring hospitalisation, this covers the cost of a stay in a private psychiatric facility. This is often limited to a set number of days per year (e.g., 28 days).
  • Specialist Consultations: Covers the cost of seeing a psychiatrist for diagnosis and to oversee your treatment plan.
  • Digital Mental Health Tools: Many insurers now partner with apps and online platforms to provide self-help resources, mindfulness exercises, and direct access to virtual therapy sessions.

Key Exclusions for Mental Health

It's just as important to know what isn't covered:

  • Chronic Mental Health Conditions: Conditions requiring long-term management, such as bipolar disorder or schizophrenia, are typically excluded.
  • Addiction: Treatment for drug and alcohol addiction is usually not covered.
  • Developmental Disorders: Conditions like learning difficulties, autism spectrum disorders, and ADHD are not covered.
  • Pre-existing Conditions: Any mental health issue you sought advice or treatment for before the policy started will be excluded, usually for at least the first two years of the policy.

Understanding PMI and Pregnancy Cover

This is an area that causes a great deal of confusion. Many people hope that private medical insurance will allow them to "go private" for their entire pregnancy journey, from scans to delivery.

Routine pregnancy and childbirth are not covered by standard UK private medical insurance.

Insurers do not view a normal pregnancy as an unforeseen medical risk or an 'illness'. It is a planned life event. Therefore, the costs of routine antenatal appointments, scans, and a standard delivery (either natural or a planned caesarean) are not covered.

While routine care is out, PMI can be incredibly valuable if complications arise. The cover is for the unexpected medical problems that can occur during pregnancy and childbirth.

Potential Covered Conditions (if they arise after the policy starts):

  • Miscarriage: Medical or surgical management following a miscarriage.
  • Ectopic Pregnancy: Emergency surgery and treatment.
  • Pre-eclampsia: Inpatient treatment to manage the condition.
  • Gestational Diabetes: Diagnosis and consultations to manage the condition (though ongoing management may be classed as chronic).
  • Retained Placenta: Surgical intervention required after birth.
  • Severe Postpartum Haemorrhage: Emergency medical treatment.

Essentially, if a complication turns the pregnancy into an acute medical condition requiring inpatient treatment or surgery, your PMI policy is likely to step in. This provides a significant safety net against the rare but serious issues that can occur.

Health Cash Plans: An Alternative for Maternity Benefits

If your main goal is to get some financial help with the costs of having a baby, a Health Cash Plan might be a better fit than PMI. These are different products.

FeaturePrivate Medical Insurance (PMI)Health Cash Plan
PurposeTo cover the costs of diagnosis and treatment for acute medical conditions.To provide a cash payout to help with routine healthcare costs.
How it PaysPays the hospital or specialist directly for eligible treatment costs.Pays a fixed cash amount back to you after you have paid for treatment.
Pregnancy CoverCovers acute complications of pregnancy and childbirth.Offers a "maternity benefit" – a fixed cash lump sum (e.g., £100 - £1,000) upon the birth of a child.
CostMore expensive, with premiums based on age, location, and level of cover.Less expensive, often a flat monthly fee.

A cash plan won't pay for a private delivery, but the cash benefit can be used for anything you like—buying a pram, antenatal classes, or simply helping with general expenses.

How to "Tailor" Your PMI Policy to Your Needs

Since you can't buy a single-condition policy, the smart approach is to build a comprehensive policy that is weighted towards your priorities. This is done by using several "levers" to adjust your cover and premium. Working with an experienced broker like WeCovr makes this process simple, as they can model different scenarios for you at no extra cost.

Here are the main ways you can tailor your policy:

1. Choose Your Core Cover

This is the foundation. It typically includes inpatient and day-patient treatment (care that requires a hospital bed). Most policies include comprehensive cancer cover as part of this core package.

2. Select Your Outpatient Limit

This is one of the biggest factors affecting your premium. You can choose:

  • No outpatient cover: You would rely on the NHS for all diagnostic tests and consultations, only using PMI if you need to be admitted to hospital.
  • A limited amount: A cap of, say, £500, £1,000, or £1,500 per year. This is enough for a few consultations and scans to get a quick diagnosis.
  • Full outpatient cover: No financial limit on diagnostics and consultations. This is the most expensive but most comprehensive option.

3. Add Optional Extras

This is how you bolster cover for specific areas:

  • Mental Health: Add a module for therapy and psychiatric care.
  • Dental and Optical: Add cover to claim back money for routine check-ups, glasses, and dental treatment.
  • Therapies: Add cover for physiotherapy, osteopathy, and chiropractic treatment.

4. Set Your Excess

An excess is the amount you agree to pay towards a claim each year. This could be £0, £100, £250, £500, or more. A higher excess will significantly lower your monthly premium. It's a trade-off between your ongoing cost and your potential cost at the point of claim.

5. Choose a Hospital List

Insurers offer different tiers of hospitals. A "national" list might include most private hospitals outside of central London. Adding the prime central London hospitals will increase the premium. Choosing a more restricted, local list can reduce it.

6. Consider the "6-Week Option"

This is a popular way to reduce costs. If you add this to your policy, your PMI will only cover you if the NHS waiting list for the required inpatient treatment is longer than six weeks. If you can be treated on the NHS within six weeks, you would use the NHS. This ensures you are always seen quickly but keeps your premium lower.

Example: Tailoring a Policy for Mental Health Focus

  • Sarah, 32, a marketing manager in Manchester.
  • Main Concern: Long NHS waits for therapy. She wants quick access to talking therapies if she feels anxious or burnt out.
  • Her Tailored Policy:
    • Core Cover: Standard inpatient cover.
    • Outpatient Limit: £1,000 (enough for initial diagnosis and a course of therapy).
    • Optional Extras: She adds the full Mental Health pathway. She skips the Dental & Optical add-on to save money.
    • Excess: She chooses a £250 excess.
    • Hospital List: National list, excluding central London.
    • Result: A mid-priced policy that gives her exactly the peace of mind she was looking for regarding mental health support, without paying for extras she doesn't need.

Wellness, Lifestyle, and Making the Most of Your Policy

Modern private medical insurance UK providers are no longer just about paying claims when you're ill. They are increasingly focused on helping you stay healthy in the first place. These wellness benefits add significant day-to-day value to your policy.

Common Wellness Benefits Include:

  • Discounted Gym Memberships: Major insurers have partnerships with chains like Nuffield Health and Virgin Active.
  • Wearable Tech Deals: Discounts on Apple Watches or Fitbits to encourage you to track your activity.
  • Health Screenings: Access to discounted or free health checks to catch potential issues early.
  • Digital GP Services: 24/7 access to a GP via phone or video call, allowing you to get medical advice and prescriptions without leaving your home.
  • Healthy Living Rewards: Some providers, like Vitality, have a points-based system where you earn rewards (like free coffee or cinema tickets) for being active.

At WeCovr, we enhance this further. Our clients not only get expert advice on choosing the best PMI provider but also receive complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app. Furthermore, clients who purchase PMI or life insurance through us are eligible for discounts on other insurance products, providing even greater value. Our high customer satisfaction ratings reflect our commitment to delivering more than just a policy.

Final Thoughts: Building the Right Cover for You

While you can't buy private medical insurance for just one specific condition, you have a great deal of power to build a policy that prioritises what's most important to your health and peace of mind.

  • For cancer, this means choosing a policy with comprehensive, integrated cancer care as standard.
  • For mental health, it means selecting the right optional add-on to ensure you have access to therapy when you need it.
  • For pregnancy, it's about understanding that PMI is a safety net for complications, not a plan for routine private delivery.

The UK PMI market is complex, with dozens of providers and hundreds of policy combinations. The key is to not get overwhelmed. By focusing on the levers—excess, outpatient limits, and optional extras—you can design a plan that fits both your needs and your budget.


Can I get private health insurance if I already have cancer?

Generally, no. Standard private medical insurance in the UK is designed to cover new, acute conditions that arise after your policy starts. Cancer that has been diagnosed or treated before you take out a policy is considered a pre-existing condition and will be excluded from cover. You can, however, still get a policy to cover you for other, unrelated future medical conditions.

Does PMI cover therapy and counselling sessions?

Yes, but usually only if you choose to include a mental health add-on with your policy. Core policies rarely cover therapy. A good mental health option will provide cover for a set number of outpatient therapy sessions (like CBT) with a psychologist or a financial limit towards this treatment per policy year.

Why doesn't private medical insurance cover normal pregnancy and childbirth?

Insurers view a routine pregnancy as a planned life event rather than an unforeseen illness or injury (an 'acute condition'), which is what PMI is designed for. Therefore, the costs of routine antenatal care and delivery are not covered. However, PMI is very valuable for covering the costs of unexpected and serious medical complications that can arise during pregnancy or childbirth.

What is the difference between moratorium and full medical underwriting?

These are two ways insurers assess your pre-existing conditions. With 'Full Medical Underwriting' (FMU), you disclose your entire medical history upfront, and the insurer tells you exactly what is excluded from day one. With 'Moratorium' underwriting, you don't declare your history, but any condition you've had in the last five years is automatically excluded for the first two years of the policy. If you remain symptom-free for that two-year period, the condition may then become eligible for cover.

Ready to find a private medical insurance policy that’s perfectly tailored to you? Let the experts at WeCovr help. We provide free, impartial advice to help you compare the UK's leading insurers and build the right cover at the right price.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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