WeCovr.

Login

Common Vaginal Infections

Common Vaginal Infections 2025 | Top Insurance Guides

As an FCA-authorised expert broker that has helped arrange over 800,000 policies, WeCovr understands that navigating health concerns can be daunting. This guide demystifies common vaginal infections in the UK, exploring symptoms, treatments, and how private medical insurance can provide faster access to the care you deserve.

WeCovr explains symptoms, treatment, and private care access

Vaginal health is an integral part of your overall well-being, yet it's a topic many feel uncomfortable discussing. Discomfort, unusual discharge, or itching can be worrying, but it’s important to remember that vaginal infections are incredibly common. Most are easily treatable once correctly diagnosed.

The key challenge for many in the UK is accessing a timely diagnosis. NHS GP waiting times can lead to delays, prolonging discomfort and anxiety. This is where private health cover can be transformative, offering a swift route to specialist consultations and treatment.

This comprehensive guide will cover:

  • The most common types of vaginal infections: Bacterial Vaginosis (BV), Thrush, and Trichomoniasis.
  • Clear explanations of their symptoms and causes.
  • Standard NHS treatment pathways and how private care differs.
  • How private medical insurance UK can help you bypass waiting lists.
  • Crucial information on what PMI does and does not cover.

What Are Vaginal Infections and Why Are They So Common?

Your vagina maintains a delicate ecological balance, home to a community of microorganisms, primarily beneficial bacteria called lactobacilli. These bacteria produce lactic acid, creating an acidic environment (a low pH) that prevents harmful bacteria and yeasts from multiplying.

A vaginal infection occurs when this balance is disrupted, allowing other organisms to overgrow. This can be triggered by a variety of factors, from hormonal changes and antibiotics to sexual activity and even certain hygiene products.

They are far more common than you might think. For instance:

  • Bacterial Vaginosis (BV): The NHS notes this is the most common cause of unusual vaginal discharge, thought to affect up to one in three women at some point.
  • Thrush (Candidiasis): An estimated 75% of women will experience thrush at least once in their lifetime.
  • Trichomoniasis: While less common, it's a prevalent sexually transmitted infection (STI).

Understanding the specific type of infection is the first step toward effective treatment.

Deep Dive: Bacterial Vaginosis (BV)

Bacterial Vaginosis isn't a classic "infection" from an external source but rather an imbalance of the natural bacteria in the vagina. The good lactobacilli are outnumbered by other types, most commonly Gardnerella vaginalis.

Symptoms of BV

The signs of BV are distinct and often a source of self-consciousness.

  • Discharge: Thin, watery, and typically greyish-white in colour.
  • Odour: A strong, fishy smell, which often becomes more noticeable after sexual intercourse or during a period.
  • Irritation: Unlike thrush, itching is not a primary symptom, though some mild discomfort can occur.

Causes and Triggers

While the exact cause is not fully understood, certain factors are known to increase your risk of developing BV:

  • Being sexually active (though it can occur in non-sexually active women)
  • A new sexual partner or multiple partners
  • Using scented soaps, antiseptic bath liquids, or vaginal deodorants
  • Douching (washing out the vagina), which flushes out good bacteria
  • Using an intrauterine device (IUD) for contraception

The NHS Treatment Path for BV

  1. Appointment: You would book an appointment with your GP or a local sexual health (GUM) clinic.
  2. Diagnosis: The doctor or nurse will ask about your symptoms and may take a small sample of discharge from your vagina using a plastic loop or swab.
  3. Treatment: The standard treatment is a course of antibiotics, usually Metronidazole. This can be prescribed as tablets to be taken orally or as a gel or cream to be applied inside the vagina.

How Private Medical Insurance Speeds Things Up

Waiting for a routine GP appointment on the NHS can sometimes take weeks. With private health cover, the process is accelerated:

  • 24/7 Virtual GP: Most leading PMI policies include a digital GP service. You can have a video consultation, often on the same day, from the comfort of your home.
  • Fast Referral: If the GP suspects BV or feels a specialist opinion is needed, they can provide an immediate open referral to a private gynaecologist.
  • Prompt Specialist Care: You can book an appointment with a consultant gynaecologist within days, not weeks or months. They can confirm the diagnosis, perform any necessary tests swiftly, and provide a private prescription.

Understanding Thrush (Vulvovaginal Candidiasis)

Thrush is a common yeast infection caused by an overgrowth of the fungus Candida albicans. This yeast lives harmlessly in the body in places like the mouth, gut, and vagina, but certain triggers can cause it to multiply.

Symptoms of Thrush

Thrush symptoms are often unmistakable and primarily revolve around itching and soreness.

  • Itching and Irritation: A persistent and often intense itch in and around the vagina and vulva.
  • Discharge: Typically thick, white, and lumpy, often described as looking like "cottage cheese". It is usually odourless.
  • Soreness and Stinging: The area can feel sore and may sting during urination or sex.
  • Redness and Swelling: The vulva may appear red and swollen.

Causes and Triggers

Thrush is not an STI but can be triggered by factors that disrupt your body's natural balance:

  • Taking a course of antibiotics
  • Pregnancy, due to hormonal changes
  • A weakened immune system
  • Poorly controlled diabetes
  • Wearing tight, non-breathable clothing
  • Using irritating soaps or shower gels

The NHS Treatment Path for Thrush

For a straightforward case of thrush, you can often self-treat.

  1. Pharmacy: You can buy anti-thrush treatments over the counter from a pharmacy without a prescription. These include:
    • Pessaries: A tablet you insert into your vagina.
    • Internal Creams: Applied inside the vagina with an applicator.
    • External Creams: To relieve itching on the vulva.
    • Oral Capsules: A single-dose tablet (Fluconazole).
  2. GP Visit: If the treatment doesn't work, or if you experience thrush four or more times in a year (recurrent thrush), you should see your GP. They may prescribe a longer course of treatment or investigate for underlying causes.

How Private Care Can Help with Recurrent Thrush

Recurrent thrush can be distressing. This is where PMI truly demonstrates its value. An NHS GP may have limited time and resources to investigate thoroughly. A private gynaecologist can:

  • Conduct Comprehensive Tests: Take swabs to confirm the specific strain of Candida (as some are resistant to standard treatments) and rule out other conditions.
  • Investigate Underlying Causes: Check for conditions like diabetes or immune issues that could be contributing to the problem.
  • Create a Long-Term Management Plan: Prescribe a tailored, long-term suppressive therapy to prevent recurrences.

Trichomoniasis: An STI That Needs Attention

Trichomoniasis (or "trich") is a common STI caused by a tiny parasite called Trichomonas vaginalis. Because it's sexually transmitted, it's crucial that both you and your sexual partner(s) are treated to prevent reinfection.

Symptoms of Trichomoniasis

A significant number of people (around 50%) have no symptoms at all. When they do appear, they can include:

  • Discharge: A frothy discharge that can be yellow-green in colour.
  • Odour: It may have an unpleasant fishy smell.
  • Soreness and Itching: Discomfort and itching around the vagina.
  • Pain: Pain or discomfort during urination or sex.
  • Lower Abdominal Pain: Some women experience pain in their tummy.

The NHS Treatment Path for Trichomoniasis

  1. Clinic Visit: The best place to go is a sexual health or GUM clinic, though a GP can also help.
  2. Diagnosis: A sample of discharge will be examined under a microscope to look for the parasite.
  3. Treatment: A course of Metronidazole antibiotics is prescribed. You will be advised to avoid sex until the treatment is complete and your symptoms have gone. It is vital that your recent sexual partners are also tested and treated.

The Discretion and Speed of Private Care

The sensitive nature of STIs makes privacy and speed essential. Private medical insurance provides:

  • Confidential Consultations: Quick access to a private GP or gynaecologist in a discreet setting.
  • Rapid Testing: Fast-tracked lab results.
  • Integrated Partner Treatment: A private consultant can offer advice and prescriptions for partners, ensuring the infection is cleared effectively.

Comparing Common Vaginal Infections: A Quick Guide

It can be hard to tell the difference between infections based on symptoms alone. This table provides a simple comparison.

FeatureBacterial Vaginosis (BV)Thrush (Candidiasis)Trichomoniasis
Primary SymptomA strong, fishy odourIntense itching and sorenessYellow-green, frothy discharge
Discharge TypeThin, watery, greyish-whiteThick, white, "cottage cheese"Frothy, yellow or green
Odour Present?Yes, distinctly fishyNo, usually odourlessYes, can be fishy
CauseBacterial imbalanceYeast (fungal) overgrowthParasitic STI
Typical TreatmentAntibiotics (Metronidazole)Antifungals (Clotrimazole)Antibiotics (Metronidazole)

Important Note: Self-diagnosis can be unreliable. If you are unsure, it is always best to seek a professional medical opinion to ensure you get the right treatment.

The Crucial Role of Private Medical Insurance (PMI) in the UK

Private medical insurance is designed to complement the excellent care provided by the NHS. Its primary purpose is to give you more choice, control, and speed when you need medical treatment.

The Golden Rule: Acute vs. Chronic and Pre-existing Conditions

This is the most critical point to understand about PMI in the UK.

  • PMI covers 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. A new case of BV, thrush, or trichomoniasis that develops after your policy starts is a perfect example of an acute condition.
  • PMI does NOT cover chronic or pre-existing conditions:
    • A chronic condition is one that is long-lasting and requires ongoing management, like diabetes, asthma, or recurrent thrush that has been diagnosed and treated over a long period.
    • A pre-existing condition is any illness or symptom you had, or sought advice for, before you took out your insurance policy.

For example, if you have a documented history of recurrent BV for two years before buying a PMI policy, that specific condition would be excluded from cover. However, if you develop a completely new and unrelated gynaecological issue after your policy begins, it would be covered.

An expert PMI broker like WeCovr can help you understand these rules and how they apply to your personal health history.

How to Use Your PMI for Gynaecological Health: A Step-by-Step Guide

  1. You Notice Symptoms: You experience symptoms of a potential vaginal infection.
  2. Contact Your PMI's GP Service: Instead of waiting for an NHS appointment, you use the 24/7 virtual GP service included in your plan. You have a video call with a GP, often within hours.
  3. Get a GP Referral: The GP discusses your symptoms and, if appropriate, provides an 'open referral' to a gynaecologist.
  4. Get Authorisation from Your Insurer: You call your insurance provider with your referral. They will confirm your cover is active, that the condition is eligible (i.e., acute), and they will provide an authorisation code for the consultation and any initial tests.
  5. Book Your Specialist Appointment: You can now choose a consultant and hospital from your insurer's approved network and book an appointment, usually within a few days.
  6. Receive Diagnosis and Treatment: The gynaecologist will assess you, perform any necessary swabs or tests, and provide a diagnosis and private prescription. The cost of the consultation and diagnostics are covered by your insurer (up to your policy limits).

Lifestyle and Prevention: Proactive Steps for Vaginal Health

While PMI is there for when things go wrong, prevention is always better than cure. Simple lifestyle adjustments can significantly promote vaginal health and reduce your risk of infections.

  • Diet and Nutrition: A balanced diet supports your immune system. Probiotic foods like live yoghurt, kefir, and kombucha can help maintain a healthy balance of good bacteria.
  • Smart Hygiene:
    • Avoid Douching: Your vagina is self-cleaning. Douching disrupts the natural pH balance.
    • Use Gentle Products: Wash the external genital area (the vulva) with plain water or a mild, unscented soap. Avoid feminine hygiene sprays and harsh detergents.
    • Wipe Correctly: Always wipe from front to back after using the toilet to prevent bacteria from the anus spreading to the vagina.
  • Clothing Choices:
    • Choose Cotton: Wear underwear made from breathable fabrics like cotton.
    • Avoid Tightness: Avoid wearing tight-fitting trousers, leggings, or synthetic underwear for long periods, as this can trap heat and moisture.
    • Change Promptly: Change out of wet swimwear or sweaty gym clothes as soon as possible.
  • Sexual Wellness:
    • Use Condoms: Condoms can help prevent the spread of STIs like trichomoniasis and may reduce the risk of BV.
    • Urinate After Sex: This can help flush out any bacteria that may have entered the urethra.
  • Manage Your Health: Keeping conditions like diabetes well-controlled is vital, as high blood sugar levels can encourage yeast infections.

To help you manage your diet and overall wellness, WeCovr provides all our health and life insurance clients with complimentary access to CalorieHero, our AI-powered food and calorie tracking app.

When to See a Doctor Urgently

While most vaginal infections are not emergencies, certain "red flag" symptoms warrant immediate medical attention. See a doctor right away if you experience:

  • Severe pain in your lower abdomen or pelvis
  • A high temperature (fever)
  • Abnormal vaginal bleeding (between periods or after sex)
  • Symptoms of an infection during pregnancy
  • Symptoms that don't improve with over-the-counter treatment
  • Concerns that you may have an STI

Private medical insurance provides the peace of mind that you can get these worrying symptoms checked out quickly.

At WeCovr, we're committed to empowering you with clear, reliable health information and helping you find the best protection for your needs. We compare leading policies from across the market to find cover that fits your life and budget. Plus, clients who purchase PMI or life insurance through us may be eligible for discounts on other types of cover.

Does private medical insurance cover gynaecologist appointments?

Yes, absolutely. Private medical insurance in the UK typically covers consultations with a gynaecologist, provided you have a GP referral and the condition is 'acute' (meaning new and treatable). Most policies include a virtual GP service to get a referral quickly, allowing you to bypass NHS waiting lists and see a specialist within days.

Will my PMI cover treatment for a pre-existing vaginal infection like recurrent thrush?

Generally, no. Standard UK private medical insurance is designed to cover new, acute conditions that arise *after* your policy has started. Chronic (long-term) and pre-existing conditions are nearly always excluded. If you have a documented history of recurrent thrush before taking out cover, it would be considered pre-existing and would not be covered.

Can I get a private prescription for BV or thrush treatment through my PMI?

Yes. Once you have seen a private consultant (like a gynaecologist) covered by your insurance plan, they can issue a private prescription for the necessary medication. While the cost of the medication itself is not always covered by standard PMI plans (this is often an add-on called 'outpatient drugs'), the cost of the specialist appointment to get the diagnosis and prescription is covered.

How can a broker like WeCovr help me find the right health insurance?

An expert broker like WeCovr acts as your independent guide. We compare policies from the UK's best PMI providers (like Bupa, AXA, and Vitality) to find cover that matches your specific health needs and budget. We explain the complex terms—like moratorium vs. full medical underwriting—and handle the application process for you, all at no cost to you. Our goal is to ensure you get the right protection and the best value.

Ready to take control of your health and explore your private care options?

Get your free, no-obligation quote from WeCovr today and secure the peace of mind you deserve.

Get A Free Quote

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

Our Group Is Proud To Have Issued 800,000+ Policies!

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

How It Works

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

Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Learn more

...

Who Are WeCovr?

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

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

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

Important Information

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

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

About WeCovr

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

Insurance Products

Resources

Legal

© 2025 WeCovr. Made with in London