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Changing Personal Circumstances What to Update in Your PMI

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
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TL;DR

As an FCA-authorised expert broker that has helped arrange over 900,000 policies, WeCovr understands that life is anything but static. This guide to updating your UK private medical insurance (PMI) will help you navigate life's big moments, ensuring your health cover remains a perfect fit for your changing world. Guidance for job changes, moving regions, adding dependents, or receiving new diagnoses—and how these impact your policy Life’s milestones—a new job, a bigger home, a growing family—are exciting.

Key takeaways

  • Job Changes: Moving from company to personal cover, or vice versa.
  • Moving Home: How your postcode dramatically affects your premium.
  • Family Growth: The right way to add partners and children.
  • New Health Diagnoses: Understanding what's covered and what isn't.
  • 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 appendicitis, cataracts, joint replacements, hernias, or treating a broken bone. The treatment has a clear beginning and end.

As an FCA-authorised expert broker that has helped arrange over 900,000 policies, WeCovr understands that life is anything but static. This guide to updating your UK private medical insurance (PMI) will help you navigate life's big moments, ensuring your health cover remains a perfect fit for your changing world.

Guidance for job changes, moving regions, adding dependents, or receiving new diagnoses—and how these impact your policy

Life’s milestones—a new job, a bigger home, a growing family—are exciting. Yet, they can have significant implications for your finances and your health cover. Your private medical insurance policy isn't a "set and forget" product; it's a dynamic agreement that needs to evolve with you.

Failing to update your insurer about key changes can, in the worst-case scenario, lead to a claim being rejected or even your policy being invalidated. More commonly, it means you could be paying too much for cover you don't need, or too little for a policy that no longer meets your requirements.

This guide will walk you through the most common life events and explain exactly what you need to do to keep your private health cover in sync. We'll cover:

  • Job Changes: Moving from company to personal cover, or vice versa.
  • Moving Home: How your postcode dramatically affects your premium.
  • Family Growth: The right way to add partners and children.
  • New Health Diagnoses: Understanding what's covered and what isn't.

By understanding these triggers, you can ensure your PMI continues to provide the peace of mind and rapid access to treatment you expect.

The Golden Rule of UK PMI: Understanding Acute vs. Chronic Conditions

Before we delve into specific life changes, it's crucial to grasp the fundamental principle of all standard UK private medical insurance policies. This single concept underpins what is and isn't covered.

PMI is designed exclusively for the treatment of acute conditions that arise after your policy begins.

  • 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 appendicitis, cataracts, joint replacements, hernias, or treating a broken bone. The treatment has a clear beginning and end.

  • A chronic condition, by contrast, is an illness that cannot be cured but can be managed. These are long-term conditions that require ongoing or periodic care. Examples include diabetes, asthma, hypertension (high blood pressure), Crohn's disease, and most types of arthritis.

Crucially, standard private health cover does not pay for the ongoing management of chronic conditions. It also does not cover pre-existing conditions—any ailment you had symptoms of, or received advice or treatment for, before you took out the policy.

While PMI may cover the initial diagnostic tests that lead to the discovery of a chronic condition, the long-term management will then revert to the NHS. This is a non-negotiable principle across the entire UK PMI market.

Changing Jobs: How Does This Affect Your PMI?

A new job is one of the most common reasons people need to review their health insurance. Your situation will depend on whether you're leaving a company scheme, joining one, or going it alone.

Scenario 1: You're Leaving a Job with a Company PMI Scheme

If your employer provided your health insurance, that cover will cease when you leave the company. You are now responsible for your own healthcare arrangements. You have a few key options:

  1. Take out a new personal PMI policy: You can shop around for a brand new policy that suits your individual needs and budget. You will be subject to new underwriting, meaning any conditions you developed while on the company scheme will now be considered pre-existing and likely excluded.

  2. Request a 'Switch' or 'Continued Cover' option: This is often the best choice. Many insurers offer a special facility for employees leaving a corporate scheme. It allows you to continue your cover on a personal basis, often on the same underwriting terms you had before. This is hugely valuable because it means you may retain cover for conditions that developed while you were in the group scheme. You must typically apply within a specific timeframe (e.g., 30-90 days) after leaving your job.

An expert PMI broker like WeCovr can be invaluable here, helping you navigate the complexities of a 'switch' policy and comparing it against new market options to ensure you get the best possible terms.

Scenario 2: You're Starting a New Job with a Company PMI Scheme

This is great news. Your new employer will provide details on how to join their scheme. Things to check include:

  • Level of Cover: Is it better or worse than your previous policy? Check the outpatient limits, excess, and hospital list.
  • Dependents: Can you add your family? What is the cost to do so?
  • Underwriting: Most company schemes have "Medical History Disregarded" (MHD) underwriting, which is the most comprehensive type and may even cover some pre-existing conditions.

If you had a personal policy, you may now want to cancel it to avoid paying for duplicate cover. However, if the new company policy is less comprehensive, you might consider downgrading your personal policy to a basic level to 'top up' the new scheme's shortfalls.

Scenario 3: You're Becoming Self-Employed or Starting a Business

When you become your own boss, you also become your own HR department. You'll need to arrange personal private medical insurance. This is an ideal time to speak with a broker to find a policy tailored to your new circumstances.

If you're a director of your own limited company, you can purchase the policy through the business. While this is a legitimate business expense, remember that in the UK, PMI is typically considered a 'P11D benefit in kind', meaning you will pay personal income tax on the value of the premiums.

ScenarioKey ActionWeCovr's Role
Losing Company CoverImmediately explore 'Continued Cover' options or find a new personal policy.We find the best 'switch' deals and compare them with new policies to protect your cover continuity.
Gaining Company CoverReview the new policy's terms and decide whether to cancel your personal plan.We can help you analyse the new company scheme and advise on whether to keep a supplementary personal policy.
Becoming Self-EmployedPurchase a personal or small business PMI policy.We compare the entire market to find the most cost-effective and comprehensive cover for you and your new business.

Moving Home: Why Your Postcode Matters to Your Insurer

It may seem strange, but your home address is one of the most significant factors in determining your PMI premium. This is known as "postcode rating."

Insurers base their prices on the cost of private medical treatment in your geographical area. The costs for hospital rooms, consultants' fees, and diagnostic scans vary enormously across the UK.

For example, private healthcare in Central London is significantly more expensive than in rural Wales or Northern England. According to 2024 data, the cost of a private hip replacement can vary by thousands of pounds depending on the hospital's location.

What this means for you:

  • Moving to a more expensive area (e.g., from Leeds to London): Your premium will almost certainly increase at your next renewal, even if your health hasn't changed.
  • Moving to a less expensive area (e.g., from Surrey to Shropshire): You could see a welcome reduction in your premium.

Hospital Lists

Your location also affects your "hospital list"—the network of private hospitals you are covered to use. Insurers typically have several tiers:

  1. National List: A comprehensive list of hospitals across the UK.
  2. Regional/Local Lists: More restricted lists that exclude pricier city-centre hospitals.
  3. London-Specific Lists: Premium lists that include the high-cost hospitals in Central London.

If you move, your nearest eligible hospital might change. You may need to upgrade your hospital list to access a convenient local facility, which would increase your premium. Conversely, if you move away from an expensive area, you could downgrade your list and save money.

Action to Take: You must inform your insurer or broker as soon as you have a confirmed moving date and new address. This ensures your policy documentation is correct and your premium is accurately calculated for the new risk area.

Change of AddressLikely Premium ImpactAction Required
Rural England to Central LondonSignificant IncreaseInform insurer immediately. May need to upgrade hospital list.
Central London to Rural ScotlandSignificant DecreaseInform insurer immediately. May be able to downgrade hospital list for extra savings.
Manchester to BirminghamMinimal/Moderate ChangeInform insurer. Check local hospital access on your current plan.

Family Changes: Adding Dependents to Your PMI Policy

As your family grows or changes, your PMI policy should adapt. Here’s how to handle adding or removing loved ones.

Adding a Partner or Spouse

You can usually add your partner to your policy at any time. However, they will be treated as a new applicant. This means:

  • Underwriting: They will be medically underwritten. Their own pre-existing conditions will be excluded from cover.
  • Cost: Your premium will increase substantially, often just under double what you were paying for yourself.

Adding a Newborn Baby

This is a key area where acting quickly pays dividends. Most leading PMI providers, including Bupa, AXA Health, and Vitality, offer a "newborn benefit".

This allows you to add your new baby to the policy without any medical underwriting, provided you do so within a set timeframe (usually 3 to 6 months from the date of birth). This means any congenital conditions or issues discovered at birth could be covered, which would be impossible if you applied later.

Do not delay. Contact your insurer or broker as soon as possible after the baby is born to take advantage of this fantastic benefit.

Adding Older Children or stepchildren

Adding older children is similar to adding a partner. They will be medically underwritten based on their own health history. Most family policies allow children to remain on the plan until age 21, or often up to 25 if they are in full-time education.

Removing Dependents

You may need to remove a dependent if a child ages out of the policy, or in the unfortunate event of a divorce or separation. This is a straightforward process and will result in a premium reduction.

Managing a family policy can be complex. Working with an expert like WeCovr ensures you find the best PMI provider with family-friendly terms and helps you make these changes smoothly.

Health Changes: New Diagnoses and Your PMI Policy

What happens if your health changes after you've taken out your policy? This depends entirely on the nature of the diagnosis.

If You're Diagnosed with a New Acute Condition

This is precisely what private medical insurance is for. If you develop symptoms of a new condition, like persistent stomach pain or a worrying lump, your PMI policy is your gateway to a swift diagnosis and treatment.

  1. Visit your NHS GP for a referral.
  2. Contact your insurer to open a claim.
  3. They will approve consultations, diagnostics, and eligible treatment for the acute condition.

Examples include gallbladder removal, cataract surgery, or physiotherapy for a sports injury.

If You're Diagnosed with a New Chronic Condition

This is where the distinction is vital. Let's use an example:

  • Symptoms: You develop persistent joint pain and stiffness.
  • PMI Role (Initial Phase): Your policy will cover the GP referral, the private consultation with a rheumatologist, and the diagnostic tests (blood tests, X-rays, MRI scans) needed to determine the cause.
  • Diagnosis: The consultant diagnoses you with rheumatoid arthritis, a chronic condition.
  • PMI Role (Post-Diagnosis): At this point, PMI's role largely ends. It has successfully provided a quick diagnosis.
  • NHS Role (Long-Term): The long-term management of your arthritis—including ongoing medication, monitoring, and routine check-ups—will be handled by the NHS.

Your PMI policy remains incredibly valuable for any new, unrelated acute conditions you may develop in the future.

Important Note on Switching: If you develop a health condition while insured, it is generally unwise to switch to a new insurer. The condition will now be considered "pre-existing" by the new provider and will be excluded from cover. Sticking with your current insurer means you remain covered for any new acute conditions that arise.

Type of New DiagnosisIs it Covered by PMI?Example of PMI's Role
Acute ConditionYesCovers consultation, diagnostics, surgery, and aftercare for a hernia.
Chronic ConditionNo (for long-term management)Covers initial consultations and scans to diagnose diabetes, but not the lifelong insulin and monitoring.
Routine PregnancyNoStandard antenatal appointments and delivery are not covered.
Pregnancy ComplicationsOften YesMany policies will cover emergency medical complications that arise during pregnancy.

Adjusting Your Policy Level: Managing Costs and Benefits

Life changes often bring financial pressures. A new mortgage or the cost of a growing family might mean you need to reduce your outgoings. The good news is that PMI policies are flexible. You can tailor your cover to manage the premium without cancelling it altogether.

Here are the most effective ways to reduce your PMI costs:

  1. Increase Your Excess: The excess is the amount you agree to pay towards a claim. Increasing it from £100 to £500, for instance, can reduce your monthly premium significantly.
  2. Add a "6-Week Wait" Option: This is a popular cost-saving feature. If the NHS can provide the inpatient treatment you need within six weeks of when it's recommended, you agree to use the NHS. If the NHS waiting list is longer than six weeks, your private cover kicks in. This can cut premiums by 20-30%.
  3. Change Your Hospital List: If you don't live near London or a major city, you can opt for a more restricted hospital list that excludes the most expensive private facilities, leading to immediate savings.
  4. Reduce Outpatient Cover: You can choose to cap your outpatient benefit (e.g., to £1,000 per year) or remove it entirely, relying on the NHS for diagnostic tests and consultations.
  5. Remove Optional Add-ons: Extras like dental, optical, or comprehensive mental health cover add to the cost. You can remove these to lower your core premium.

Beyond Insurance: Proactive Health Management and Wellness

Many of the UK's best PMI providers now include a wealth of wellness benefits designed to help you stay healthy. Life changes can be stressful, and looking after your wellbeing is more important than ever.

Make use of the value-added services that often come with your policy:

  • Digital GP Services: 24/7 access to a GP via phone or video call.
  • Mental Health Support: Access to telephone counselling or therapy sessions.
  • Gym Discounts & Activity Rewards: Incentives for staying active.
  • Nutrition Advice: Consultations with dietitians.

Furthermore, as a WeCovr customer, you receive complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, helping you stay on top of your diet. You can also benefit from discounts on other insurance products, such as life or income protection insurance, when you take out a PMI policy.

Even small, consistent efforts can make a big difference during times of change:

  • Sleep: Aim for 7-9 hours per night to manage stress and support your immune system.
  • Nutrition: Prioritise whole foods, fruits, and vegetables, even when you're busy. Planning meals can help you avoid relying on convenience food.
  • Movement: A brisk 30-minute walk each day is proven to boost mood and physical health.

The Value of an Expert PMI Broker

As this guide shows, navigating the PMI market during a period of change is complex. This is where an independent broker becomes your most valuable asset.

Unlike going directly to an insurer who can only offer their own products, a broker works for you. At WeCovr, our expert advisors:

  • Provide a whole-of-market comparison to find the absolute best policy for your new circumstances.
  • Help you manage policy changes, such as adding a baby or changing your address, handling the administration for you.
  • Advise on cost-saving options like excesses and 6-week waits to ensure your cover remains affordable.
  • Offer their expertise at no cost to you. Our commission is paid by the insurer you choose.

With high customer satisfaction ratings, WeCovr is committed to providing clear, impartial advice to help you make informed decisions about your health.

Do I need to tell my PMI provider about every GP visit?

Generally, no. For routine check-ups or minor illnesses like a cold, you do not need to inform your insurer. You only need to contact them when you have a GP referral for a specific condition that you believe may require specialist consultation or treatment under your policy, at which point you would start a claim.

What happens if I forget to tell my insurer I've moved house?

It's very important to update your address as soon as possible. If you forget and later make a claim, the insurer may retrospectively adjust your premium based on your new postcode, meaning you might have to pay a lump sum for the underpaid premiums. In a worst-case scenario, it could be seen as non-disclosure, which might jeopardise your claim. Always update your personal details promptly.

If I get pregnant, is that covered by private medical insurance?

Standard UK private health cover does not cover routine pregnancy and childbirth. These are managed by the NHS. However, many policies do provide cover for certain medical complications that can arise during pregnancy or childbirth, treating them as an acute medical condition. It's vital to check your specific policy wording for details.

Can I pause my PMI policy if I move abroad temporarily?

Some insurers may allow you to suspend your policy for a set period (e.g., 6-24 months) if you are moving abroad. This can be beneficial as it allows you to restart your cover upon your return on the same underwriting terms, without your medical history being reassessed. This is not a standard feature, so you must speak to your insurer or broker to see if it is an option.

Your life will continue to change, and your private health cover should be ready to change with it. Don't leave your health and finances to chance.

Contact WeCovr today for a free, no-obligation review of your private medical insurance. Our friendly UK-based experts will help you find the perfect cover for your circumstances.

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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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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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 experienced 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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