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Corporate PMI Trends What Employees Now Expect

Corporate PMI Trends What Employees Now Expect 2025

As an FCA-authorised expert broker that has assisted with over 800,000 policies of various kinds, WeCovr has a unique view of the UK private medical insurance market. The landscape for corporate health benefits is shifting dramatically, and employers must adapt to new employee expectations to attract and retain the best talent.

Changing expectations, must-have benefits, and workforce wellness in 2025

The days when a basic private medical insurance (PMI) plan was considered a generous perk are long gone. Today's workforce, shaped by the pandemic, long NHS waiting lists, and a greater awareness of mental and physical wellbeing, sees comprehensive health support not as a luxury, but as a fundamental part of an attractive employment package.

In 2025, employees expect their company's health plan to be a proactive partner in their wellness journey. It's no longer just about getting a private room if you need surgery. It's about getting fast access to a GP on a Sunday evening, having a mental health therapy session from the comfort of your home, and using preventative screenings to catch issues before they become serious.

According to recent NHS England data, the total waiting list for consultant-led elective care remains stubbornly high, with millions of people waiting for treatment. This reality has firmly pushed private medical insurance in the UK from a 'nice-to-have' to a 'must-have' for many employees who cannot afford long, anxious waits for care. For employers, this presents a strategic opportunity: offering robust private health cover is a powerful tool for recruitment, retention, and ensuring your team stays healthy and productive.

The Core Shift: From Reactive Care to Proactive Wellness

The most significant trend in corporate PMI is the move away from a purely reactive model of care. Historically, health insurance was something you only used when you were ill. The new paradigm focuses on proactive and preventative health, empowering employees to manage their wellbeing and avoid sickness in the first place.

Modern corporate PMI plans are evolving into holistic wellness solutions. They are designed to engage employees daily, not just during a health crisis. This includes everything from digital health apps and gym discounts to comprehensive mental health support and advanced diagnostics.

A Crucial Point: What Standard PMI Covers (and What It Doesn't)

Before we explore these new benefits, it's vital to understand the fundamental principle of private medical insurance in the UK.

Standard PMI is designed to cover 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 (e.g., joint replacement, cataract surgery, hernia repair).
  • A chronic condition is an illness that cannot be cured, only managed. It is long-lasting and often requires ongoing care (e.g., diabetes, asthma, high blood pressure, multiple sclerosis). Standard PMI policies do not cover the routine management of chronic conditions.
  • Pre-existing conditions—any medical issue you had symptoms, advice, or treatment for before your policy started—are also typically excluded from cover, especially for individuals and smaller company schemes.

This distinction is the bedrock of the UK PMI market. The goal of insurance is to provide peace of mind for new, unexpected, and treatable health problems.

Top 5 "Must-Have" Corporate PMI Benefits for 2025

To meet modern employee expectations, a corporate health plan must go beyond basic hospital cover. Here are the five benefits that are now considered essential.

1. Comprehensive Mental Health Support

Mental health is now rightly seen as being as important as physical health. Work-related stress, depression, or anxiety is a leading cause of sickness absence in the UK. Employees now expect immediate, accessible, and confidential mental health support.

What this looks like in a leading policy:

  • Fast-track access to therapy: Bypassing long waiting lists for talking therapies like Cognitive Behavioural Therapy (CBT), counselling, and psychotherapy. Many plans offer a set number of sessions (e.g., 8-10) without needing a GP referral.
  • Digital mental health platforms: Integrated access to apps like Headspace, Calm, or Unmind for mindfulness, meditation, and self-managed mental wellbeing.
  • 24/7 support lines: Confidential helplines staffed by trained counsellors for in-the-moment support.
  • Outpatient and inpatient cover: Access to psychiatrists, psychologists, and inpatient care for more severe conditions, subject to policy limits.

2. Digital and Virtual Healthcare (Telemedicine)

Convenience is king. Employees no longer want to take a half-day off work to see a doctor for a minor issue. Digital health services have become a non-negotiable part of any modern PMI plan.

Key digital health features:

  • 24/7 Virtual GP: The ability to book a video or phone appointment with a private GP at any time, often within a few hours. This is invaluable for busy professionals and parents.
  • Prescription delivery: Having medication prescribed by the virtual GP delivered directly to your home or office.
  • Specialist consultations: Some providers are now offering virtual consultations with specialists, saving time and travel.
  • Digital policy management: Easy-to-use apps for making claims, checking cover, and finding specialists.

3. Preventative Health and Diagnostics

"Prevention is better than cure" is the guiding principle here. Employees want their health plan to help them stay healthy, not just fix them when they're broken. This means providing tools for early detection.

Essential preventative benefits include:

  • Health screenings: Cover for regular health check-ups (e.g., every one or two years) that can measure blood pressure, cholesterol, blood sugar, and other key health markers.
  • Advanced cancer screening: Beyond the standard NHS screening programmes, some top-tier plans offer cover for specific cancer risk assessments and advanced diagnostics, especially for those with a family history.
  • Genetic testing: A growing area where certain policies may offer tests to identify predispositions to certain conditions, allowing for proactive lifestyle changes.
  • Wellbeing incentives: Programmes that reward healthy behaviour, like Vitality's model, which offers discounts and rewards for being active.

4. Musculoskeletal (MSK) Support

With the rise of hybrid working and sedentary lifestyles, back, neck, and joint pain are rampant. MSK issues are another major cause of long-term sickness absence. A robust PMI plan must provide fast and effective treatment.

What effective MSK cover includes:

  • Rapid access to physiotherapists, osteopaths, and chiropractors: Often without needing a GP referral, allowing employees to get treatment before a niggle becomes a chronic problem.
  • Digital physiotherapy: Innovative apps that provide guided exercises, track progress, and offer virtual consultations with physiotherapists.
  • Cover for diagnostics: Including MRI scans to quickly diagnose the root cause of the pain.
  • Pain management support: Access to specialists for managing more complex or persistent pain conditions.

5. Holistic Wellness and Lifestyle Benefits

The best corporate health cover understands that wellbeing is a broad concept that extends beyond medical treatment. It encompasses physical, mental, and even financial health.

Modern wellness benefits to look for:

  • Gym and fitness discounts: Partnerships with major gym chains or fitness apps to make staying active more affordable.
  • Nutrition services: Access to registered dietitians or nutritionists for personalised advice. As part of our commitment to holistic health, WeCovr provides complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, for our PMI clients.
  • Sleep support: Programmes and digital tools designed to help employees improve their sleep hygiene, which is fundamental to both mental and physical health.
  • Financial wellbeing support: Recognising that financial stress is a major contributor to poor mental health, some providers are now including access to financial planning resources and coaching.

How to Choose the Right Corporate PMI Plan for Your Workforce

Selecting a corporate PMI plan can feel complex, but breaking it down into logical steps makes the process manageable. As an expert PMI broker, WeCovr can guide you through this process at no cost to your business.

Step 1: Understand Your Workforce

A one-size-fits-all approach doesn't work. Analyse your employee demographics:

  • Age Profile: A younger workforce might prioritise digital GP services, mental health apps, and gym discounts. An older workforce may place more value on comprehensive cancer care, cataract surgery, and joint replacement cover.
  • Family Status: Do many of your employees have families? If so, the ability to add partners and children to the policy will be a key consideration.
  • Location: Are your employees spread across the UK or concentrated in one area? This can influence the choice of hospital network.

Step 2: Evaluate Underwriting Options

Underwriting is how an insurer assesses risk and decides on the terms of your policy. For corporate schemes, there are several options:

Underwriting TypeHow It WorksBest For
MoratoriumPre-existing conditions from the last 5 years are excluded. However, if an employee goes 2 continuous years without symptoms, advice, or treatment for that condition after joining, it may become eligible for cover.Small businesses (2-15 employees) wanting a simple setup without long medical questionnaires.
Full Medical Underwriting (FMU)Each employee completes a full health questionnaire. The insurer then lists specific exclusions for each person based on their medical history.Businesses that want complete clarity on what is and isn't covered from day one.
Medical History Disregarded (MHD)The insurer agrees to cover eligible conditions, regardless of an employee's prior medical history, including pre-existing and chronic conditions (for acute flare-ups).Larger companies, typically with 20+ employees. This is the most comprehensive and sought-after type of underwriting, but also the most expensive.

Step 3: Compare Leading UK PMI Providers

The UK private health cover market is competitive, with several excellent providers. Each has its own strengths.

ProviderKey Strengths & Focus Areas
BupaOne of the most recognised brands with an extensive network of hospitals and facilities. Strong focus on comprehensive cancer care and mental health pathways.
AvivaOffers a wide range of flexible plans with a strong digital offering (Aviva DigiCare+). Known for its "Expert Select" guided consultant option to help manage costs.
AXA HealthA global leader with a strong emphasis on proactive health and wellbeing. Their "Stronger Minds" pathway provides fast, self-referral access to mental health support.
VitalityUnique in its focus on rewarding healthy behaviour. Employees can earn points for being active, which translate into rewards like cinema tickets, coffee, and discounts.

This table is a simplified overview. An expert broker like WeCovr can provide a detailed comparison based on your company's specific needs and budget.

The Business Case: The Return on Investment of a Modern Health Plan

Investing in a comprehensive corporate PMI plan isn't just an expense; it's a strategic investment in your most valuable asset—your people. The return on investment (ROI) is significant and multifaceted.

Business BenefitHow Corporate PMI Delivers
Reduced AbsenteeismFast access to diagnosis and treatment means employees get the care they need sooner and return to work quicker, minimising disruption and lost productivity.
Improved ProductivityTackling "presenteeism" (when employees are at work but not fully productive due to health issues) by providing mental health, MSK, and wellness support.
Talent AttractionIn a competitive job market, a superior health and wellness package can be the deciding factor for a top candidate choosing your company over another.
Increased RetentionEmployees who feel cared for and supported are more loyal and engaged, reducing costly staff turnover.
Enhanced Employer BrandDemonstrates a genuine commitment to employee wellbeing, making your company a more attractive place to work.

Integrating Wellness Beyond Insurance: A Holistic Strategy

While a great PMI policy is the cornerstone, a truly effective wellness strategy is integrated into your company culture.

  • Promote Work-Life Balance: Encourage employees to take their full holiday allowance and to switch off outside of work hours.
  • Encourage Movement: Implement a cycle-to-work scheme, organise lunchtime walking groups, or offer standing desks.
  • Foster Open Conversation: Train managers and nominate Mental Health First Aiders to create a culture where it's safe to talk about mental health challenges.
  • Offer Flexibility: Where possible, offer flexible working hours or locations to help employees manage their personal and professional responsibilities, reducing stress.
  • Provide Other Benefits: When you purchase PMI or life insurance through WeCovr, we can offer discounts on other types of cover, allowing you to build a more comprehensive employee benefits package affordably.

A Critical Note on Pre-existing and Chronic Conditions

We must reinforce this point for absolute clarity. The primary function of private medical insurance in the UK is to provide cover for new, unexpected health issues that are curable.

  • Chronic Conditions are Not Covered: The ongoing, long-term management of conditions like diabetes, asthma, Crohn's disease, or hypertension is not covered by standard PMI. An employee would continue to manage these through the NHS. However, a PMI policy may cover an acute flare-up of a chronic condition if it leads to a short-term, curative treatment.
  • Pre-existing Conditions are Excluded (with one exception): On most small group schemes (using Moratorium or FMU underwriting), any condition an employee had before joining will be excluded. The major exception is for larger corporate schemes that qualify for Medical History Disregarded (MHD) underwriting. For these groups, the insurer agrees to disregard previous medical history, providing a far more comprehensive level of cover. This is a key reason why MHD is the gold standard for corporate health insurance.

Understanding these rules is essential for managing employee expectations and ensuring they understand the value and limitations of their health cover.


What is the main difference between corporate PMI and an individual policy?

Corporate PMI plans typically offer significant advantages over individual policies. Firstly, premiums are often lower due to the insurer spreading risk across a group of people. Secondly, the underwriting options are more generous. Larger groups (e.g., 20+ employees) can access 'Medical History Disregarded' underwriting, which can cover pre-existing conditions, something rarely available to individuals. Finally, corporate plans often include a wider range of wellness benefits and digital health services as standard.

Is corporate health insurance a taxable benefit in the UK?

Yes. When an employer pays the premiums for an employee's private health insurance, it is considered a 'benefit in kind' by HMRC. This means the employee must pay income tax on the value of the premium. The employer must report this on a P11D form. For the employer, the cost of the premiums is generally considered an allowable business expense and is tax-deductible.

Can we include family members on a corporate PMI plan?

Absolutely. Most corporate PMI schemes are flexible and allow employees to add their family members, including partners and dependent children. The cost for adding family can be paid by the employer as part of the benefit, paid by the employee from their salary, or offered as part of a flexible benefits programme where the employee can choose how to allocate their benefits budget.

How does a PMI broker like WeCovr help my business?

An expert PMI broker like WeCovr acts as your advocate in the insurance market. We provide impartial, expert advice to help you understand your options. We use our market knowledge to compare policies from all the leading insurers to find the best private health cover for your team's needs and your company's budget. We manage the application process, help you set up the scheme, and can even assist with complex claims. Best of all, our service is provided at no extra cost to your business, as we are paid a commission by the insurer you choose.

The world of work has changed, and employee expectations for health and wellness have changed with it. A modern, proactive, and comprehensive corporate private medical insurance plan is no longer just a benefit—it's a strategic necessity for any business that wants to thrive in 2025 and beyond.

Ready to build a health benefits package that attracts and retains top talent? Contact the experts at WeCovr today for a free, no-obligation review of your corporate private medical insurance options.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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