WeCovr.

Login

Dental Coverage in Private Medical Insurance




Scroll for the full guide
↓

TL;DR

As an FCA-authorised expert broker that has helped UK customers arrange over 900,000 policies, we at WeCovr know that navigating private medical insurance can feel complex. A frequent question we hear is about dental cover: what’s included, what’s not, and is it worth the extra cost? Which PMI policies cover check-ups, emergencies, orthodontics, and cosmetic dental work The short answer is that standard private medical insurance (PMI) in the UK does not automatically include dental treatment.

Key takeaways

  • 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., a cataract, a joint replacement, or removing a tumour).
  • A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, it has no known cure, it is likely to recur, or it requires palliative care (e.g., diabetes, asthma, high blood pressure).
  • The Optional 'Add-on' Module: This is the most common method. You pay an additional premium each month to add a specific dental benefit package to your core PMI policy. These add-ons come in different tiers, from basic cover for check-ups and emergencies to more comprehensive plans that include major restorative work.
  • Health Cashback Plans: Some insurers offer these either alongside or separately from a PMI policy. A cashback plan isn't insurance in the traditional sense. You pay a monthly fee, and in return, you can claim back a set amount of money each year for various healthcare expenses, including NHS or private dental fees, optician costs, and therapies. They are often cheaper but have lower annual limits.
  • What's Usually Covered? Most dental add-ons cover routine examinations and hygiene appointments. However, they almost always come with an annual financial limit.

As an FCA-authorised expert broker that has helped UK customers arrange over 900,000 policies, we at WeCovr know that navigating private medical insurance can feel complex. A frequent question we hear is about dental cover: what’s included, what’s not, and is it worth the extra cost?

Which PMI policies cover check-ups, emergencies, orthodontics, and cosmetic dental work

The short answer is that standard private medical insurance (PMI) in the UK does not automatically include dental treatment. PMI is designed to cover the diagnosis and treatment of new, acute medical conditions. Dental care, especially routine check-ups, is typically managed separately.

However, most major PMI providers offer dental cover as an optional add-on or as part of a cashback plan. Understanding the distinction is key to finding the right protection for your oral health.

This guide will break down everything you need to know about dental coverage within the UK private health cover market, so you can make an informed decision.

The Golden Rule of PMI: Acute vs. Chronic Conditions

Before we dive into dental specifics, it's crucial to understand the fundamental principle of all UK private medical insurance.

PMI is for acute conditions that begin after your policy starts.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a cataract, a joint replacement, or removing a tumour).
  • A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, it has no known cure, it is likely to recur, or it requires palliative care (e.g., diabetes, asthma, high blood pressure).

Standard private medical insurance policies do not cover chronic conditions or pre-existing conditions (any health issue you had before taking out the policy). This rule applies to dental cover as well. Any ongoing dental problems you have when you buy the policy will not be covered.

How Dental Cover is Added to a PMI Policy

If you want dental benefits with your private health insurance, you generally have two routes. Insurers rarely bundle it in as standard.

  1. The Optional 'Add-on' Module: This is the most common method. You pay an additional premium each month to add a specific dental benefit package to your core PMI policy. These add-ons come in different tiers, from basic cover for check-ups and emergencies to more comprehensive plans that include major restorative work.

  2. Health Cashback Plans: Some insurers offer these either alongside or separately from a PMI policy. A cashback plan isn't insurance in the traditional sense. You pay a monthly fee, and in return, you can claim back a set amount of money each year for various healthcare expenses, including NHS or private dental fees, optician costs, and therapies. They are often cheaper but have lower annual limits.

FeaturePMI Dental Add-onHealth Cashback Plan
IntegrationDirectly part of your PMI policy.A separate plan, can be bought standalone.
Coverage FocusCovers a percentage of treatment costs, often with different levels for routine, major, and emergency care.Provides a fixed amount of money you can claim back per year (e.g., £150 for dental).
CostGenerally more expensive.Usually cheaper.
Typical UseBetter for covering unexpected, high-cost restorative work (subject to policy limits).Excellent for budgeting for predictable, routine costs like check-ups and hygiene appointments.
ProvidersOffered by major PMI providers like Bupa, AXA, Aviva, Vitality.Offered by PMI providers and specialists like BHSF or Medicash.

An expert PMI broker like WeCovr can help you compare both options to see which makes the most financial sense for you and your family.

What Types of Dental Treatment Can Be Covered?

Let's break down the common categories of dental work and how they are typically treated by private medical insurance add-ons.

1. Routine Dental Care: Check-ups, Scale and Polish

This is the bread and butter of preventative oral health. It includes your six-monthly or annual check-up with the dentist and a visit to the hygienist for a scale and polish.

  • What's Usually Covered? Most dental add-ons cover routine examinations and hygiene appointments. However, they almost always come with an annual financial limit.
  • How it Works: The plan will typically pay 100% of the cost up to a certain limit (e.g., £150 per year). Once you exceed this limit, you pay the difference. Some lower-tier plans might only cover a percentage of the cost, such as 80%.

Example: Your dental plan covers 100% of routine care up to £200 per year.

  • Your first check-up and scale and polish cost £110. The insurer pays it all.
  • Your second check-up and hygiene visit six months later also cost £110.
  • You have used £220 in total. The insurer pays £200 (your annual limit), and you pay the remaining £20.

2. Restorative Dental Treatment (Minor and Major)

This category covers work needed to fix problems with your teeth. Insurers often split this into "minor" and "major" restorative treatment, with different levels of cover for each.

  • Minor Restorative Work: This typically includes fillings, emergency pain relief, and sometimes simple extractions.
  • Major Restorative Work: This covers more complex and expensive procedures like crowns, bridges, dentures, root canals, and surgical extractions.

Coverage for restorative work is highly variable.

  • Basic plans may only cover minor work or a small percentage of major work.
  • Comprehensive plans will offer higher financial limits and cover a wider range of major procedures.

It's common for insurers to apply a co-payment system, where they pay, for example, 75% of the cost, and you pay the remaining 25%. Annual limits always apply and are separate from the routine care limit.

Treatment LevelExamplesTypical Cover Level (Mid-tier plan)
RoutineCheck-ups, X-rays, Scale & Polish100% covered, up to an annual limit of ~£150-£250
Minor RestorativeFillings, Emergency Pain Relief80%-100% covered, up to an annual limit of ~£500-£750
Major RestorativeCrowns, Root Canals, Bridges50%-75% covered, up to an annual limit of ~£1,000-£1,500

3. Dental Emergencies and Accidents

This is a crucial area of cover. A dental emergency is often defined as an unforeseen event requiring immediate treatment to alleviate severe pain, or treatment needed as a direct result of an external impact (an accident).

  • Accidental Injury: If you damage sound, natural teeth in an accident (e.g., a fall or a sports injury), most comprehensive dental plans will cover the necessary restorative work, often with a higher annual limit than standard major restorative work.
  • Emergency Call-outs: Cover for emergency appointments to deal with issues like abscesses, severe toothache, or a lost filling.

Important Note: The definition of "accident" is key. Biting down on something hard and cracking a tooth is not always considered an accident by insurers; it may be classed as standard restorative work. An external blow to the face, however, would be.

4. Orthodontics: Braces and Aligners

This is one of the most frequently asked-about areas and, unfortunately, one of the least covered.

  • For Adults: Adult orthodontics, whether for cosmetic or medical reasons, is almost never covered by standard PMI dental add-ons. The cost is high, and it's often viewed as a planned, long-term treatment rather than an acute need.
  • For Children: Some top-tier, comprehensive family policies may offer a limited benefit for child orthodontics. However, this is rare and often comes with strict conditions. For example, cover might only be provided if the orthodontic work is deemed medically necessary as a result of an accident that damaged the child's jaw or teeth. It will not cover developmental or cosmetic straightening.

If you are seeking cover for your children's braces, you must check the policy wording very carefully. Do not assume it will be included.

5. Cosmetic Dental Work

This is a clear-cut exclusion across virtually all private medical insurance and dental plans in the UK.

Cosmetic dentistry is never covered.

Any procedure that is primarily for improving the appearance of your teeth, rather than for restoring their health or function, is considered cosmetic.

Examples of excluded cosmetic treatments:

  • Teeth whitening
  • Veneers (unless required to repair accidental damage to a single tooth)
  • Composite bonding to change the shape of teeth
  • Dental implants (though some very high-end plans may offer a small contribution)

The line between "cosmetic" and "restorative" can sometimes be blurry (e.g., a white crown on a front tooth has both functional and aesthetic benefits), but insurers will only cover it if the primary purpose is clinical need.

Comparing Dental Options from Major UK PMI Providers

To help you understand the market, here is a general overview of the dental add-ons offered by some of the UK's leading private health insurance providers. Please note that features and limits change, so this is for illustrative purposes. For the most current details, it's best to get a tailored comparison from an expert broker.

ProviderTypical Add-on NamesWhat's Generally OfferedKey Considerations
BupaDental Cover 10, 20Tiered options. Cover for routine, restorative, and emergency treatment. Higher tiers include cover for oral cancer and have higher limits.Bupa has its own network of Bupa Dental Care centres, which can sometimes offer seamless treatment, but you can use other dentists too.
AXA HealthDentist and Optician CashbackOften structured as a cashback plan. You pay for your treatment and claim the money back up to an annual limit.Simple and good for budgeting for routine costs. May have lower limits for major work compared to a tiered insurance add-on.
AvivaDental and OpticalA tiered add-on module. Provides cover for NHS and private treatment, with varying limits for routine care, restorative work, and emergencies.Known for clear policy wording. The level of cover for major work like crowns is highly dependent on the tier you choose.
VitalityDental CoverIntegrated with Vitality's wellness programme. Offers different levels of cover for routine, minor, major, and emergency dental treatment.You may be able to earn rewards or discounts on your premium for maintaining good oral health (e.g., having annual check-ups).

Working with WeCovr allows you to compare these policies and their specific dental modules side-by-side, ensuring you don't overpay for cover you don't need or miss out on a benefit that's important to you.

Is a PMI Dental Add-on Worth the Extra Cost?

This is the million-dollar question. The answer depends entirely on your circumstances, your oral health, and your attitude to risk.

The State of NHS Dentistry

A key driver for private dental cover is the well-documented difficulty in accessing NHS dental services. A 2023 report from Healthwatch England highlighted that many people are struggling to find an NHS dentist accepting new patients, with some being told waiting lists are years long. According to the British Dental Association, NHS dentistry is "hanging by a thread," with dissatisfaction among dentists leading many to reduce their NHS commitment.

This access crisis forces many to turn to private dentistry, where costs can be significant.

Average Private Dental Costs in the UK (2025 Estimates)

TreatmentAverage Private Cost Range
Check-up£50 – £120
Scale and Polish£70 – £150
White Filling£100 – £300
Root Canal (Molar)£600 – £1,200
Crown£700 – £1,500
Simple Extraction£100 – £250

Source: Estimates based on data from the Oral Health Foundation and major UK dental chains.

Let's do the maths:

  • Cost of a PMI Dental Add-on: Can range from £15 to £40 per month (£180 to £480 per year).
  • Cost of Self-Funding: Two check-ups and two hygiene visits per year could cost you £240 - £540.

If you only need routine care, a dental plan might break even or cost slightly more than paying as you go. However, its real value lies in protecting you from unexpected high costs. One surprise root canal and crown could cost over £2,000, far exceeding the annual cost of a comprehensive dental plan.

A dental add-on might be right for you if:

  • You value the peace of mind of being protected against large, unexpected dental bills.
  • You don't have easy access to an affordable NHS dentist.
  • You want to budget for your dental costs with a fixed monthly payment.
  • You have a family and want to ensure your children's dental health is covered.

It might NOT be right for you if:

  • You have excellent oral health and rarely need more than a check-up.
  • You have access to a good, affordable NHS dentist.
  • You would prefer to "self-insure" by putting money aside in a savings account for any dental work.

Better Oral Health: Tips to Keep Costs Down

Regardless of whether you have insurance, the best strategy is always prevention. Good oral hygiene can save you discomfort, time, and a significant amount of money.

  1. Brush Smart: Brush twice a day for two minutes with a fluoride toothpaste. Electric toothbrushes are proven to be more effective at removing plaque.
  2. Don't Forget to Floss: Or use interdental brushes. This is crucial for cleaning the 40% of your tooth surface that your brush can't reach. It prevents gum disease, the leading cause of tooth loss in adults.
  3. Watch Your Sugar Intake: Sugary foods and drinks are the primary cause of tooth decay. The bacteria in your mouth feed on sugar to create acid, which attacks your enamel. Limit snacking and choose water over sugary drinks.
  4. Quit Smoking: Smoking stains your teeth, causes bad breath, and dramatically increases your risk of gum disease and oral cancer.
  5. Don't Skip Check-ups: Even if you have no pain, regular check-ups allow your dentist to spot problems early when they are easier and cheaper to treat.

When you purchase a policy through WeCovr, you also get complimentary access to our AI-powered nutrition app, CalorieHero. Monitoring your diet and reducing sugar intake with the app is a fantastic way to proactively improve your oral health.

The WeCovr Advantage

Choosing the right private medical insurance UK policy, let alone the right dental add-on, can be overwhelming. The terms, limits, and exclusions vary significantly between insurers.

This is where an independent broker excels. At WeCovr, our service is free to you. We are paid by the insurer only if you decide to proceed.

  • We listen to your needs: Do you need cover for just yourself, or your whole family? Is routine care your priority, or protection against major costs?
  • We compare the whole market: We have access to policies and dental add-ons from all the UK's top insurers.
  • We explain the small print: We'll make sure you understand the annual limits, the co-payments, and what's excluded.
  • We save you money: Not only do we find the most competitively priced option for your needs, but clients who arrange PMI or Life Insurance through us can also receive discounts on other types of cover.

Our high customer satisfaction ratings reflect our commitment to providing clear, impartial, and expert advice.

Does private medical insurance cover dental implants?

Generally, no. Dental implants are considered a highly complex and expensive procedure and are almost always excluded from standard PMI dental add-ons. Some very top-tier, exclusive policies might offer a small financial contribution towards an implant, but full cover is extremely rare. They are often excluded alongside other cosmetic treatments.

Can I add a dental plan to my PMI policy at any time?

You can usually only add an optional benefit, like a dental plan, when you first take out your policy or at your annual renewal date. Insurers do this to prevent people from adding cover only when they know they need expensive treatment. It's best to decide if you want dental cover from the outset.

Is orthodontic treatment for my child covered by private health insurance?

It is very unlikely. Standard dental add-ons do not cover orthodontics (braces) for adults or children for developmental or cosmetic reasons. In rare cases, a top-tier comprehensive plan might offer a limited benefit for child orthodontics, but typically only if it's required as a direct result of an accident. You should always assume it is not covered unless the policy wording explicitly states otherwise.

Do I have to use a specific dentist with my dental insurance?

Most dental insurance plans in the UK allow you to see any registered private dentist or even claim for NHS treatment costs. Some insurers, like Bupa, have their own network of dental practices, and using them can sometimes streamline the claims process, but you are not usually required to. It's always best to check if your chosen plan has a "hospital list" or "dentist network".

Ready to protect your smile and your finances? Take the guesswork out of private health and dental insurance.

Contact WeCovr today for a free, no-obligation quote and let our experts find the perfect cover for you.

Get Quote

Related guides

Health Coverage Calculator UK Add-Ons (Dental, Optical, Mental Health)
Health Coverage Calculator UK Add-Ons (Dental, Optical, Mental Health)
Read more →
UK Private Health Insurance Beyond Medical – Unlocking Value in Dental & Optical Benefits
UK Private Health Insurance Beyond Medical – Unlocking Value in Dental & Optical Benefits
Read more →
Private Medical Insurance and Covid-19 Remaining Coverage Changes
Private Medical Insurance and Covid-19 Remaining Coverage Changes
Read more →
Are Dental and Optical Add-Ons Worth It in 2026
Are Dental and Optical Add-Ons Worth It in 2026
Read more →
Average Cost of Private Dental Treatment in the UK (2026 Price Guide)
Average Cost of Private Dental Treatment in the UK (2026 Price Guide)
Read more →
Best PMI for Dental & Optical Cover UK 2026
Best PMI for Dental & Optical Cover UK 2026
Read more →

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 900,000+ 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

© 2026 WeCovr. Made with in London