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Direct Insurer vs Broker Which Route Gets You Cheaper Insurance

Direct Insurer vs Broker Which Route Gets You Cheaper...

Choosing the right private medical insurance (PMI) in the UK can feel like a major decision. As an FCA-authorised broker that has helped arrange over 800,000 policies, we at WeCovr know that the biggest question people have is how to get the best cover without overpaying. So, should you go direct to an insurer or use a broker?

This article cuts through the noise. We’ll explore which route is genuinely better for your wallet and your peace of mind in 2025.

Weighing up the pros and cons of brokers versus going direct in 2025

The decision to buy private health insurance is often driven by a desire for control, choice, and speed. With NHS waiting lists in the UK remaining a significant concern for millions, PMI offers a reassuring alternative for prompt diagnosis and treatment.

But once you decide to buy, you face a crucial choice:

  1. Go Direct: Approach a single insurance company like Bupa, AXA Health, or Vitality and buy one of their policies.
  2. Use a Broker: Partner with an independent, FCA-authorised expert who compares policies from across the market to find the best fit for you.

The common assumption is that cutting out the 'middleman' (the broker) must be cheaper. However, in the world of insurance, this is very often a myth. Let's break down why a broker can frequently secure you not only a cheaper deal but also a more suitable one.

FeatureGoing Direct to an InsurerUsing a Specialist Broker
PriceYou only see one price from one company.Compares prices from multiple insurers, often accessing deals not available to the public.
ChoiceLimited to the products offered by that one insurer.Whole-of-market view, providing a wide range of options.
AdviceNon-advised sales; staff can explain products but can't recommend the best one for you.Advised sales; experts assess your needs and recommend the most suitable policy.
ComplexityYou must decipher complex policy documents and jargon on your own.The broker explains everything in plain English and handles the paperwork.
Claims SupportYou deal with the insurer’s claims department yourself.A good broker can offer guidance and assistance if you have a problem with a claim.
Cost to YouThe price you see is the price you pay.The service is typically free to you; the broker is paid a commission by the insurer.

The UK Private Medical Insurance Landscape in 2025

Understanding why you're buying PMI is key to making the right choice. The UK's healthcare environment is the main driver behind the growing interest in private cover.

According to the latest NHS England data, the waiting list for routine hospital treatment stood at over 7.5 million cases in late 2024. This number, which has been a persistent challenge, means many people face waits of many months, or even over a year, for procedures like hip replacements or cataract surgery.

This isn't just an inconvenience; it can impact your ability to work, your mental health, and your overall quality of life.

PMI is designed to solve this problem. It works alongside the NHS, giving you a private pathway for eligible, acute conditions.

A Crucial Point: What PMI Does and Does Not Cover

Before we go any further, it's vital to be absolutely clear on this point. Standard UK private medical insurance is designed to cover acute conditions that arise after you take out your policy.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include joint replacements, cataract surgery, appendicitis, or treatment for many types of cancer.
  • Chronic Condition: 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. Examples include diabetes, asthma, high blood pressure, and arthritis.

PMI does not cover pre-existing conditions or chronic conditions. The NHS remains the primary provider for managing these long-term health issues, as well as for accidents and emergencies. Think of PMI as your express lane for new, curable health problems.

Going Direct to an Insurer: The DIY Approach

Going direct means you pick an insurer, visit their website or call them, and choose from the policies they offer. For some, this seems like the simplest path.

The Pros of Going Direct

  • Brand Recognition: You might feel comfortable with a well-known household name. If your employer previously offered a Bupa plan, you might naturally gravitate towards them.
  • Perceived Simplicity: Dealing with just one company can feel straightforward. You browse their website, pick a plan, and enter your details.
  • Direct Control: You are in the driver's seat, making all the decisions yourself without outside input.

The Cons of Going Direct

  • Lack of Choice: This is the single biggest drawback. You are limiting yourself to one company's menu. It’s like walking into a single restaurant and ordering from their menu, unaware that the café next door offers a better-tasting, cheaper meal that's more to your liking. An insurer will never tell you that a competitor has a policy that's a better fit for you.
  • No Advice, Only Information: Staff at direct insurers are regulated to provide "information only". They can explain the features of their Gold, Silver, and Bronze plans, but they are not allowed to say, "Based on your needs and budget, the Silver plan is the best choice for you." You are entirely on your own when it comes to making that crucial decision.
  • Risk of Buying the Wrong Cover: Without expert guidance, it's easy to misunderstand the fine print. You might choose a policy with a hospital list that excludes your local private facility, or an outpatient limit that's far too low for your potential needs, only discovering this when you come to claim.
  • It's Not Necessarily Cheaper: This is the big myth. Insurers have huge marketing budgets to attract direct customers. The cost of these marketing campaigns is factored into the premiums you pay. Brokers, on the other hand, deliver customers to insurers efficiently, and the commission they earn often comes from this marketing budget, not by inflating your premium.

A Real-Life Example: Sarah's Story

Sarah, a 45-year-old graphic designer, decided she wanted private health cover. She’d heard of AXA Health, so she went straight to their website. She chose a comprehensive policy that cost her £85 per month. She was happy.

A year later, she mentioned it to a friend who had used a broker. Her friend was paying £70 per month for a similar policy with another provider, Aviva, which also included better mental health support – something Sarah really valued. The broker had identified this as a priority for her friend and found the perfect fit. Sarah had bought a good policy, but not the best policy for her. She had overpaid and missed out on key benefits.

Using a Specialist PMI Broker: The Guided Route

A specialist PMI broker is an independent intermediary authorised and regulated by the Financial Conduct Authority (FCA). Their job is to represent you, the customer, not the insurance companies.

A good broker will take the time to understand your circumstances, health, budget, and priorities before searching the market on your behalf.

The Pros of Using a Broker

  • Access to the Whole Market: Brokers have access to policies from a wide range of insurers, including major players and smaller specialists you may not have heard of. This gives you a panoramic view of your options.
  • Expert, Personalised Advice: This is the game-changer. A broker does what a direct insurer cannot: they recommend a specific policy for you. They’ll ask the right questions: Do you want access to central London hospitals? Is cancer cover a priority? What level of excess are you comfortable with? This needs-based assessment ensures you get cover that truly fits.
  • They Can Genuinely Be Cheaper: Brokers often get preferential rates from insurers because they introduce a large volume of business. They also know the market inside-out. They know which insurer is most competitive for a 50-year-old in Scotland, or which one has a limited-time offer. This expertise can lead to significant savings, easily outweighing any commission they earn.
  • They Do the Hard Work: Comparing PMI policies is complex. Different insurers use different terminology for similar features. A broker deciphers the jargon, compares policies on a like-for-like basis, and presents you with clear, simple choices.
  • Ongoing Support: The relationship doesn't end at the point of sale. A good broker will be there at renewal to re-broke the market and ensure you're still on the best deal. They can also provide invaluable assistance if you run into any issues when making a claim.
  • No Fee for You: Reputable brokers like WeCovr do not charge you a fee for their service. They are paid a commission by the insurer you choose to go with. This means you get expert, impartial advice at no extra cost.

The Cons of Using a Broker

  • You Need to Choose a Good One: The quality of service does vary. It's important to choose a reputable, FCA-authorised broker that is a genuine specialist in health insurance, not a generalist who dabbles in it. Look for brokers with a strong track record and positive customer feedback.

Which Route is Actually Cheaper? A Cost Analysis for 2025

Let's tackle the central question head-on: "Will I save money by going direct?" The answer, in most cases, is no. Here’s a breakdown of the economics.

  1. Broker Commissions vs. Direct Marketing Costs: Insurers have two main ways to acquire customers: directly, through advertising (TV, online, print), or indirectly, through brokers. Both cost money. The budget for direct advertising is enormous. When a broker introduces a customer, the insurer pays them a commission. This commission effectively comes from the marketing budget they would have otherwise spent to acquire you directly. It's a cost-effective sales channel for the insurer, so they have no incentive to charge you more.

  2. Negotiating Power and Market Knowledge: Brokers have leverage. An individual customer is just one sale. A major broker represents thousands of sales to an insurer each year. This gives them the ability to negotiate competitive terms. Furthermore, they know the nuances of pricing. For example:

    • They know Insurer A is trying to grow its market share in the North of England and is offering lower premiums there.
    • They know Insurer B has just updated its cancer cover and is offering it at an introductory price.
    • They know Insurer C offers a "guided" option (where you use their approved consultants) that can reduce your premium by 20%.

You wouldn't know any of this by going direct. You would only see the single price presented to you on one website.

  1. Finding the Right Value, Not Just the Lowest Price: "Cheaper" isn't just about the lowest monthly premium. It's about value for money.
  • Scenario A (Direct): You buy a policy for £50/month. You later need physiotherapy but discover your policy has a £350 outpatient limit. After a few sessions, your cover runs out, and you have to pay £300 out-of-pocket.
  • Scenario B (Broker): A broker recommends a policy for £55/month. It has a £1,000 outpatient limit. When you need the same physiotherapy, your entire course of treatment is covered.

In this scenario, the "cheaper" policy ended up costing you far more. A broker's job is to prevent this by aligning the policy features with your likely needs, ensuring you have the right cover in place when you need it most.

Example Cost Comparison Table (Illustrative)

Here’s an illustrative example for a healthy, 40-year-old non-smoker in Manchester looking for comprehensive cover with a £250 excess.

ApproachInsurer & PolicyMonthly PremiumKey Insight
Going DirectInsurer X (Direct Website)£78This is the only price the customer sees. It seems reasonable on its own.
Using a BrokerInsurer X (via Broker)£75The broker may have access to a slightly better rate for the exact same policy.
Using a BrokerInsurer Y (via Broker)£72The broker finds a near-identical policy from a competitor that is cheaper.
Using a BrokerInsurer Z (via Broker)£68The broker identifies a 'guided' option with Insurer Z that meets all of the customer's needs for the lowest price.

As the table shows, the broker unlocks multiple layers of potential savings: by accessing slightly better rates, by comparing across providers, and by knowing about different plan structures that can reduce costs.

The WeCovr Difference: More Than Just a Cheaper Policy

At WeCovr, we believe that helping you find the most suitable and cost-effective policy is just the start. As an independent, FCA-authorised broker, our entire process is built around you. Our high customer satisfaction ratings reflect our commitment to providing clear, jargon-free advice.

We also add extra value for our clients:

  • Complimentary Access to CalorieHero: All clients who purchase a PMI or life insurance policy through us get free access to our AI-powered calorie and nutrition tracking app, CalorieHero. We believe in proactive health, and giving you the tools to manage your diet and wellness is part of that commitment.
  • Discounts on Other Insurance: Once you become a WeCovr client, you're eligible for discounts on other types of insurance you might need, such as life insurance, income protection, or home insurance. We reward your loyalty.
  • Expertise You Can Trust: We are genuine specialists. We live and breathe private medical insurance, and our expert advisors are dedicated to navigating the market on your behalf, ensuring you never overpay or buy the wrong cover.

Find out more by reading our guide to private medical insurance or learning about the best UK PMI providers.

Beyond the Policy: Making the Most of Your Private Health Cover

Whichever route you choose, having PMI is about more than just the policy document. It's a tool to empower your health and wellbeing.

Many modern PMI policies now include a wealth of preventative health and wellness benefits. These can include:

  • Discounted gym memberships.
  • Access to digital GP services (24/7 video consultations).
  • Mental health support lines and therapy sessions.
  • Rewards for healthy living (e.g., tracking your steps or getting health checks).

A good broker will not only find you a policy with these features but also explain how to use them. Engaging with these benefits can improve your health and, in some cases, even lead to lower renewal premiums.

A Quick Wellness Tip: Sleep is the foundation of good health. Most adults need 7-9 hours of quality sleep per night. Poor sleep is linked to a higher risk of many conditions, including heart disease and poor mental health. To improve your sleep:

  • Stick to a regular sleep schedule, even on weekends.
  • Create a restful environment: dark, quiet, and cool.
  • Avoid caffeine and large meals late in the evening.
  • Limit screen time an hour before bed; the blue light can interfere with sleep hormones.

Practical Steps to Buying Your PMI Policy

Feeling ready to explore your options? Here’s a simple, step-by-step guide.

  1. Define Your Needs and Budget: Before you do anything, think about what's important to you. Is comprehensive cancer cover a must-have? Do you need mental health support? What's the maximum you're willing to pay per month? What level of excess (the amount you pay towards a claim) are you comfortable with?
  2. Choose Your Route (Broker Recommended): Based on the evidence, using a specialist broker is the most logical choice. It gives you more options, expert advice, and a high chance of finding a better-value policy.
  3. Engage with the Broker: Have an honest conversation with your broker. The more they know about your needs, the better they can help. At WeCovr, this is a friendly, no-pressure chat.
  4. Review Your Options: The broker will come back to you with a one or more recommended policies. They should provide a clear report explaining why they've chosen them for you, comparing the features and costs.
  5. Ask Questions: Don't be afraid to ask anything you're unsure about. What does this term mean? What happens if I want to cancel? A good broker will be happy to clarify everything.
  6. Complete the Application: Once you're happy, the broker will help you complete the application form. They'll ensure all the information is accurate to prevent any problems down the line.
  7. Receive Your Documents: Once your policy is live, you'll receive your policy documents. Read them, file them safely, and make a note of your policy number and the claims hotline.

You're now covered. You have peace of mind knowing you have a plan in place for when you might need it.


Is it always cheaper to use a health insurance broker?

Whilst not guaranteed to be cheaper in every single instance, using a broker is very often cheaper, or at the very least, provides better value for money. Brokers have access to the whole market and often get preferential rates from insurers that aren't available to the public. They save you money by finding the most competitively priced policy that actually meets your needs, preventing you from overpaying for features you don't want or being underinsured when you need to claim. The service is typically free to you as the broker is paid a commission by the insurer.

Can I get private medical insurance if I have a pre-existing condition?

Generally, you can still get private medical insurance, but the policy will exclude treatment for your pre-existing conditions. Standard UK PMI is designed to cover new, acute medical conditions that arise after your policy begins. When you apply, the insurer will underwrite your application. They will either exclude your specific conditions by name (full medical underwriting) or apply a general clause excluding any condition you've had symptoms of or treatment for in the last five years (moratorium underwriting). Chronic conditions are also not covered.

What is the difference between an advised and a non-advised sale?

This is the key difference between using a broker and going direct. A broker offers an 'advised' sale. They assess your personal circumstances and formally recommend a product as suitable for your needs. This gives you regulatory protection. Going direct to an insurer is a 'non-advised' sale. Their staff can provide information and explain their products, but they cannot recommend one over another or tell you which is best for you. The responsibility for the choice is entirely yours.

How do I choose a good private health insurance broker?

Look for a broker that is authorised and regulated by the Financial Conduct Authority (FCA) – this is a legal requirement. Choose a specialist in health insurance, not a generalist. They should be independent and offer policies from a wide range of insurers (a 'whole-of-market' panel). Finally, check for evidence of good service, such as high customer satisfaction ratings and clear, transparent advice. A good broker will never pressure you and will offer their advice at no cost to you.

The Verdict for 2025

The myth that "cutting out the middleman" saves you money is one of the most persistent but incorrect assumptions in the UK private medical insurance market.

Going direct limits your choices and places the full burden of a complex decision on your shoulders, with no guarantee of a lower price.

Using a specialist, independent broker like WeCovr flips this on its head. You gain access to the entire market, receive expert, regulated advice tailored to you, and very often secure a more comprehensive policy at a more competitive price. When the advice is free and the potential for savings is high, the logical choice is clear.

Ready to see how much you could save? Get a free, no-obligation quote from our expert team today and compare the best private medical insurance the UK has to offer.

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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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