Compare Private Health Insurance Quotes

Compare Private Health Insurance Quotes 2024

Compare Private Health Insurance Quotes UK - Find The Best PMI Cover

What is Private Medical Insurance?

Private medical insurance, also known as private health insurance or PMI, is an alternative option to the publicly-funded National Health Service (NHS) in the UK. It is designed to cover the cost of private medical treatment, consultations, and care. By paying a monthly or annual premium to an insurance provider, you gain access to private healthcare facilities, consultants, and treatments, often with reduced waiting times compared to the NHS.
Different policy levels and coverage options are available, allowing you to tailor your private medical insurance plan according to your specific needs and budget. While the NHS remains a comprehensive healthcare system, PMI offers individuals the choice, flexibility, and convenience of private medical care.

What Does Private Medical Insurance Cover?

The extent of coverage provided by your private medical insurance policy depends on the level of cover and the specific plan you choose. Generally, policies may include coverage for:
Inpatient Treatment
  • Hospital charges (scans, tests, appointments, X-rays)
  • Specialist fees for treatments requiring an overnight hospital stay
  • Surgery and surgical procedures
  • Hospital accommodation and nursing care
Outpatient Care
  • Consultations with medical specialists
  • Diagnostic tests and scans
  • Follow-up appointments and therapies
Cancer Treatment
  • Radiotherapy and chemotherapy
  • Specialist consultations and care
Physiotherapy and Rehabilitation
  • Treatment carried out by qualified physiotherapists
  • Rehabilitation programmes and support
However, it's important to note that most standard policies exclude coverage for pre-existing medical conditions, chronic illnesses (such as asthma or diabetes), emergency treatment, and cosmetic surgery procedures.
Tailor Your Policy with Optional Add-Ons
To better align your private medical insurance with your specific needs and budget, most insurers offer the flexibility to include optional extras and add-ons to your policy. Some common add-ons include:
  • Dental care - Regular check-ups, treatments, and emergency dental services
  • Eye care - Eye tests, prescription glasses, and contact lenses
  • Mental health cover - Therapy, counselling, and psychiatric treatments
  • Complementary and alternative therapies - Acupuncture, massage therapy, and other holistic treatments
  • Pregnancy and maternity services - Prenatal care, maternity services, and postnatal support
By customising your policy with these additional options, you can ensure comprehensive coverage tailored to your unique healthcare needs.

Why Use an Independent Broker Like WeCovr to Compare Private Health Insurance?

While comparison websites can provide an overview of private medical insurance quotes from various providers, speaking to an independent broker like WeCovr offers several advantages when comparing and selecting the best PMI cover for your circumstances. Best of all, using WeCovr to arrange your insurance is completely free for you as the user.
Personalised Advice and Recommendations
Independent brokers like WeCovr have in-depth knowledge and expertise in the private health insurance market. They can thoroughly assess your specific needs, medical history, and budget to recommend the most suitable policy options. This personalised approach ensures you receive tailored advice rather than generic quotes.
Access to a Wider Range of Providers
Brokers typically have partnerships and relationships with a broader range of private medical insurance providers, including those that may not be listed on comparison websites. This expanded panel of insurers increases your chances of finding the best coverage and pricing for your unique requirements.
Exclusive Deals and Negotiated Rates
Due to their industry connections and buying power, independent brokers like WeCovr can often negotiate exclusive deals and preferential rates with insurers that are not available to individual consumers. This can result in significant cost savings while maintaining comprehensive coverage.
Guidance Through the Claims Process
Should you need to make a claim on your private medical insurance policy, an independent broker can provide valuable guidance and support throughout the process. They can assist with claim submissions, ensure you receive the appropriate level of care, and advocate on your behalf if any issues arise.
Ongoing Support and Policy Reviews
A reliable independent broker like WeCovr will maintain an ongoing relationship with you, providing periodic policy reviews to ensure your coverage remains aligned with your evolving needs. They can suggest adjustments or alternative options as your circumstances change, ensuring you always have the most suitable private medical insurance coverage.
How to Compare Private Health Insurance Quotes with WeCovr
To compare private medical insurance quotes and find the best PMI cover through WeCovr, follow these simple steps:
  • Provide Your Details: Contact WeCovr and provide your personal information, such as age, location, medical history, and any specific coverage requirements you may have.
  • Receive Tailored Recommendations: WeCovr's experienced advisors will thoroughly assess your needs and provide tailored recommendations from their panel of trusted private medical insurance providers.
  • Compare Quotes and Coverage: Review the quotes and coverage details provided by WeCovr, allowing you to make an informed decision based on your budget and healthcare needs.
  • Secure Your Policy: Once you have selected the best private medical insurance policy, WeCovr will guide you through the application process and ensure a smooth transition to your new coverage.
  • Ongoing Support: WeCovr will provide ongoing support, periodic policy reviews, and assistance with any claims or queries you may have throughout the duration of your private medical insurance coverage.
By working with an independent broker like WeCovr, you can benefit from personalised advice, access to exclusive deals, and comprehensive guidance throughout the process of comparing and securing the best private medical insurance for your unique circumstances -- all at no cost to you.

Cost-Saving Strategies for Private Medical Insurance

While private medical insurance can provide valuable peace of mind and access to private medical care, the associated costs can be a concern for many individuals. Here are some strategies to consider for potentially reducing the cost of your private medical insurance:
Pay a Higher Excess
Many private medical insurance policies allow you to choose a higher excess (the amount you contribute towards a claim). By opting for a higher excess, you can typically lower your monthly or annual premium costs. However, it's crucial to ensure that the excess amount is affordable and manageable should you need to make a claim.
Opt for Reduced or No Outpatient Cover
Outpatient cover is often an optional component of private medical insurance policies. If you're primarily concerned with inpatient treatment and hospital stays, you may be able to reduce your premiums by selecting a policy with reduced or no outpatient coverage.
Agree to a Limited Hospital List
Some insurers offer policies that restrict the hospitals and private facilities you can access for treatment. While this limits your choice, it can also result in lower premium costs. Ensure that the available hospitals are conveniently located and capable of providing the care you may require.
Choose a "Six-Week Option"
Certain private medical insurance providers offer a "six-week option," where claims are excluded if NHS treatment is available within six weeks. This option can lead to reduced premiums, but it's essential to carefully consider whether the potential wait times are acceptable for your healthcare needs.
Pay Annually Instead of Monthly
Many insurers offer discounts for policyholders who choose to pay their premiums annually rather than in monthly instalments. If you can afford the upfront cost, paying annually can result in significant savings over the course of the year.
Maintain a Healthy Lifestyle
Some private medical insurance providers offer incentives and discounts for policyholders who maintain a healthy lifestyle, such as non-smokers or those who regularly exercise. These incentives can help offset the cost of your premiums while promoting overall well-being.
Remember, while cost is an important consideration, it should not be the sole determining factor when selecting a private medical insurance policy. It's essential to strike a balance between affordable premiums and comprehensive coverage that meets your specific healthcare needs.

Why Private Medical Insurance Matters

In the UK, the National Health Service (NHS) provides a comprehensive and accessible healthcare system for all citizens. However, private medical insurance can offer several valuable benefits, including:
Shorter Waiting Times
One of the primary advantages of private medical insurance is the ability to access treatment and consultations more quickly, bypassing potentially lengthy NHS waiting lists. This can be particularly beneficial for non-emergency procedures or specialist appointments.
Choice of Consultants and Facilities
With private medical insurance, you often have the flexibility to choose your preferred consultants, specialists, and private healthcare facilities. This can provide peace of mind and a more personalised healthcare experience.
Access to Advanced Treatments and Medications
Certain advanced treatments, medications, or medical technologies may not be readily available or covered by the NHS due to cost or resource constraints. Private medical insurance can grant you access to these cutting-edge medical options, potentially improving your chances of successful treatment and recovery.
Private Accommodations and Amenities
Private hospitals and healthcare facilities typically offer private rooms and amenities, such as en-suite bathrooms and personal entertainment systems. These added comforts can contribute to a more pleasant and relaxing recovery experience.
Complementary and Alternative Therapies
Many private medical insurance policies provide coverage for complementary and alternative therapies, such as acupuncture, massage therapy, and other holistic treatments. These options can supplement traditional medical care and promote overall well-being.
Mental Health Support
With increasing awareness of the importance of mental health, many private medical insurance plans now offer coverage for therapy, counselling, and psychiatric treatments. This can provide valuable support for individuals seeking mental health care.
Tailored Coverage
Private medical insurance allows you to customise your coverage by adding optional extras or selecting specific areas of focus, such as maternity care or dental services. This flexibility ensures that your policy aligns with your unique healthcare needs and priorities.
While the NHS remains a valuable and essential healthcare system, private medical insurance can provide additional choices, convenience, and access to specialised care. By working with an independent broker like WeCovr, you can find the best private medical insurance policy to complement your healthcare needs and lifestyle.

The Importance of Comparing Private Medical Insurance Quotes

When it comes to securing private medical insurance, it's crucial to compare quotes from multiple providers to ensure you find the best coverage at the most competitive price. Here's why comparing quotes is so important:
Varying Coverage and Exclusions
Different private medical insurance policies can have vastly different coverage levels and exclusions. By comparing quotes, you can identify the policies that provide the specific coverage you require, while avoiding unnecessary exclusions that may leave gaps in your protection.
Cost Differences
The cost of private medical insurance can vary significantly between providers, even for seemingly similar levels of coverage. Comparing quotes allows you to identify the most affordable options without compromising on the quality of care or the comprehensiveness of your policy.
Optional Add-Ons and Customisation
Some insurance providers may offer additional add-ons or customisation options that align with your specific needs, such as dental care, mental health support, or maternity services. Comparing quotes helps you identify these opportunities and tailor your coverage accordingly.
Understanding Policy Terms and Conditions
Insurance policies can be complex, with various terms, conditions, and fine print that may not be immediately apparent. By comparing quotes and policy details side-by-side, you can better understand the nuances of each offer and make an informed decision.
Negotiating Power
When you have multiple quotes in hand, you gain negotiating power with insurance providers. This can potentially lead to better rates or additional benefits, as insurers may be willing to improve their offers to secure your business.
By working with an independent broker like WeCovr, you can streamline the process of comparing private medical insurance quotes from a wide range of reputable providers. Their expertise and industry knowledge ensure that you receive comprehensive and unbiased comparisons, enabling you to make the best decision for your healthcare needs and budget.

Factors to Consider When Comparing Private Medical Insurance Quotes

When comparing private medical insurance quotes, it's essential to evaluate several key factors beyond just the premium cost. Here are some important considerations:
Level of Coverage
Carefully review the coverage levels and inclusions offered by each policy. Ensure that the plan provides adequate protection for your specific healthcare needs, such as inpatient treatment, outpatient care, diagnostic tests, and any necessary specialist consultations or therapies.
Network of Healthcare Providers
Consider the network of healthcare providers and facilities associated with each insurance plan. Ensure that the plan includes reputable hospitals, clinics, and medical professionals in convenient locations for you and your family.
Excess and Co-Payments
Evaluate the excess (deductible) and co-payment amounts required by each policy. A higher excess may result in lower premiums, but ensure that the out-of-pocket costs are manageable in the event of a claim.
Pre-Existing Condition Coverage
If you have any pre-existing medical conditions, carefully review the policies' coverage for these conditions. Some insurers may exclude or limit coverage for pre-existing conditions, while others may offer more comprehensive protection.
Policy Exclusions and Limitations
Thoroughly review the exclusions and limitations listed in each policy. Understand what conditions, treatments, or services are not covered to avoid any surprises or unexpected out-of-pocket expenses.
Optional Add-Ons and Customisation
Assess the available optional add-ons and customisation options offered by each insurer. These can include dental care, vision care, mental health support, and complementary therapies, among others. Determine which add-ons are relevant to your needs and factor in their associated costs.
Customer Service and Claims Process
Research the customer service reputation and claims process of each insurance provider. Reliable and responsive customer support can make a significant difference in your overall experience, especially when navigating the claims process.
Policy Portability and Renewal Terms
If you anticipate changing jobs or relocating, consider the portability and renewal terms of each policy. Understand the process for maintaining continuous coverage and any potential changes in premiums or benefits upon renewal.
By carefully evaluating these factors and consulting with an independent broker like WeCovr, you can make an informed decision and select the private medical insurance policy that best aligns with your healthcare needs, budget, and personal circumstances.

Final Thoughts

Securing private medical insurance is an important decision that can have a significant impact on your overall well-being and financial security. By comparing quotes from multiple providers and working with an independent broker like WeCovr, you can navigate the complex world of private medical insurance with confidence.
WeCovr's expertise and commitment to personalised service ensure that you receive tailored recommendations, access to exclusive deals, and ongoing support throughout the process -- all at no cost to you as the user. With their guidance, you can find the best private medical insurance policy that meets your specific needs, provides comprehensive coverage, and offers value for your investment.
Don't settle for a one-size-fits-all approach when it comes to your healthcare. Embrace the power of choice and comparative analysis to make an informed decision that prioritises your well-being and peace of mind. Contact WeCovr today and embark on the journey towards securing the best private medical insurance for you and your loved ones.

Why get private health insurance?

Health insurance allows you get back on your feet quicker:

✅ Avoid long NHS waiting lists of many weeks and get treated faster with private medical insurance, which can be really important for a successful recovery
✅ Get early diagnosis so you can get the treatment you need right away done privately
✅ Business owners can save on their tax bill with private medical insurance
✅ You are free to choose your surgeon or hospital to suit your needs by place and time
✅ You often get a private room with better facilities for your treatment or surgery
✅ With private medical health insurance you gain access to advanced treatments not available on the NHS

Benefits offered by private health insurance

Private medical health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You just pay an affordable monthly premium that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

Our mission is to put you in touch with not only the best, but the most suitable private medical health insurance companies. With even more risk on the rise for personal health today, it makes more sense than ever to have private medical health insurance cover.

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

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 increasing numbers of individuals and families opt for PMI insurance

👉 We insure our cars, houses, bicycles and even bags! Yet our health is one the most precious things we have.

People buy life, critical illness and private medical health insurance for a variety of reasons – easily one of the most important insurance purchases an individual or family can make in their lifetime. PMI insurance is still seen as a luxury in the UK. Indeed, only around 11% of the population has private medical insurance. However, an increasing number of people are taking out private medical insurance due to a number of reasons:
  • Avoid NHS waiting lists and be treated more quickly
  • Faster diagnosis (comprehensive cover)
  • More access to latest cancer drugs and treatments, some of which may be unavailable on the NHS
  • Greater choice over where and when your treatment takes place
  • Have a private room should you need treatment in hospital
Our experienced FCA-authorised insurance partner experts are ready to provide you with a FREE Consultation.

👍 Simply get your affordable private medical health insurance plan in place for the necessary peace of mind! Just tap or click the button below to book a FREE call now! 👇

Compare private medical health insurance plans suitable for your circumstances from these insurers and more

PMI Insurers

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1. Complete a brief form

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3. Enjoy your protection!


Any questions?

Do I need Private Medical Insurance if I have Life Insurance?

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.

Are Pre-existing Medical Conditions Covered?

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.

Why Do I Need Private Medical Insurance?

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.

How Much Does It Really Cost?

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.

Isn't NHS Treatment and Coverage Enough?

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.

Why Do I Need to Speak to Someone?

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.

Are Your Insurance Partners Trustworthy?

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!

How Do You Make Money If the Quotes Are Free to Get?

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.

How Much Is Private Health Insurance?

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.

How Does Private Health Insurance Work?

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.

What Does Health Insurance Cover?

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.

Can I Pay Extra to Have a Pre-existing Condition Covered?

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.

When Will My Health Insurance Policy Start?

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.

Will I Need an Excess on My Private Health Insurance Policy?

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.

How Can I Reduce the Cost of Health Insurance?

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.

Is There an Age Limit for Private Medical Insurance?

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.

How Can I Compare Health Insurance Plans?

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.

Can I Add Other People Onto My Health Insurance Policy?

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.

Can I Use Health Insurance Abroad?

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.

What is Comprehensive Cover?

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.

Does Health Insurance Cover Dental Treatment?

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.

Does Health Insurance Cover Cancer?

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.

Can I Change My Cover Once I Have Signed Up?

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.

How Quickly Can I Get an Appointment with a Private GP?

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

Can Each Person on My Policy Have Different Options of Cover?

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

Are There Different Levels of Cover?

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

Where Can I Find Out More About Hospitals or Treatment Providers?

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.

What Does Fee Assured Mean?

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

Does Health Insurance Cover Mental Health?

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

Can I Cover My Children as Well?

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

Will the Cost Go Up Every Year?

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

How Much Does Health Insurance Cost?

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.

What's the Difference Between Health Insurance and NHS?

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

Does Health Insurance Cover Physiotherapy?

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

Can I Use My Cover Straight Away?

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

How Can I Get a Quote?

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.

What Does Health Insurance Cover and What Can't It Cover?

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

How Does Health Insurance Work?

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

What is Outpatient Cover?

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

Can I Use My Health Insurance Cover Immediately?

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.

Does Health Insurance Cover A&E (Accident and Emergency)?

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.

Are There Any Rewards for Being a PMI Plan Holder?

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.

I'm Leaving My Job and Have Health Insurance with Them, What Do I Do?

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.

How Do I Get a Quote After I've Left My Job?

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.

If I Continue My Health Insurance After I've Left My Job, Will My New Cover Be the Same as Before?

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.

If I Continue My Health Insurance After I Left My Job, Will the Price for My New Cover Be the Same?

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.

How Long Do I Have After Leaving My Job to Decide to Stay with My Insurer?

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.

What Do I Need Before Asking About Continuing My Cover After I've Left My Job?

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

I've Ongoing Treatment But I'm Leaving My Work Health Insurance Policy, Can I Still Have Treatment?

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.

When And How Do I Pay My Excess?

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

Do I Pay an Excess for Using Services Like Digital GP?

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

Can I Change My Excess Partway Through the Year?

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

What is a No Claims Discount?

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

Can I Pay Extra to Have a Pre-existing Condition Covered?

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

What is Full Medical Underwriting?

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

What is Moratorium Underwriting?

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

Will My Claim Take Longer If I Have Moratorium Underwriting?

Claims may require additional information if under moratorium underwriting.

What is a Pre-existing Condition?

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.

Is An Annual Review Of My Health Insurance Necessary?

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.

Are There Age Restrictions For Health Insurance?

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.

Is It More Cost-Effective To Pay For Health Insurance Monthly Or Annually?

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.

Do I Need Private Health Insurance If My Employer Provides Coverage?

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.

Is A Medical Exam Required To Get Coverage?

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.

Do I Need A GP Referral To Go Private?

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.

How Much Quicker Can I Get A GP Appointment With Private Medical Insurance?

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.

What's The Difference Between Inpatient And Outpatient Care?

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.

What's The Difference Between Health Insurance And Critical Illness Cover?

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.

Will My Policy Cover Me Outside Of The UK?

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.

How Are Health Insurance Premiums Taxed? Are They Tax Deductible?

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.

How Does The Excess Work?

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.

What Is The Difference Between Full Medical And Moratorium Underwriting?

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.

Can I Get A No-Claims Discount On My Private Health Insurance?

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.

How Can I Find The Best UK Private Health Insurance For Me?

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.

Do I Need a GP Referral for Private Medical Treatment?

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.

Can I Get Finance for a Loan for Surgery?

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.

How Much Does Private Medical Insurance Cost in the UK?

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

Can I Go Private and Then Return to the NHS?

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.

Is Private Healthcare Better than the NHS?

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.

Can I Self-Refer to a Private Consultant?

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.

Will the NHS Accept a Private Diagnosis?

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 about private health insurance


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The guidance contained within the website is subject to the UK regulatory regime and is therefore targeted at customers in the UK. A FCA regulated expert will contact you after you submit your details to discuss further. WeCovr is a trading style of Political And Credit Risks Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 735613.