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Do You Need Private Health Insurance in the UK

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
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TL;DR

With NHS waiting lists remaining a significant concern, many in the UK are asking: is private medical insurance worth it? As an FCA-authorised broker that has arranged over 900,000 policies, WeCovr provides the expert insight you need to decide if private health cover is right for you. Who should consider PMI, and when its worth it Private Medical Insurance (PMI), also known as private health cover, isn't a necessity for everyone, thanks to our beloved National Health Service (NHS).

Key takeaways

  • The Self-Employed and Business Owners: If your income depends on your ability to work, long waits for diagnosis or treatment can be financially devastating. PMI can get you back on your feet and back to business far quicker.
  • Parents with Young Families: When a child is unwell, the worry is immense. Private health insurance can mean seeing a paediatric specialist in days rather than months, offering reassurance and prompt treatment when it's needed most.
  • Those Concerned About NHS Waiting Times: This is the most common reason people explore PMI. If the thought of waiting over a year for a hip replacement or several months for a diagnostic scan fills you with dread, PMI offers a direct route to faster care.
  • Individuals Who Value Choice and Control: PMI puts you in the driver's seat. You can often choose your consultant, select the hospital you're treated in, and schedule appointments at times that suit you, including evenings and weekends.
  • Senior Professionals and High Earners: For those in demanding roles, time is a precious commodity. The convenience, comfort, and efficiency of the private sector are often seen as a worthwhile investment to minimise disruption to work and life.

With NHS waiting lists remaining a significant concern, many in the UK are asking: is private medical insurance worth it? As an FCA-authorised broker that has arranged over 900,000 policies, WeCovr provides the expert insight you need to decide if private health cover is right for you.

Who should consider PMI, and when its worth it

Private Medical Insurance (PMI), also known as private health cover, isn't a necessity for everyone, thanks to our beloved National Health Service (NHS). However, for a growing number of people, it's becoming a valuable tool for peace of mind and faster access to healthcare.

So, who should be giving PMI serious thought?

  • The Self-Employed and Business Owners: If your income depends on your ability to work, long waits for diagnosis or treatment can be financially devastating. PMI can get you back on your feet and back to business far quicker.
  • Parents with Young Families: When a child is unwell, the worry is immense. Private health insurance can mean seeing a paediatric specialist in days rather than months, offering reassurance and prompt treatment when it's needed most.
  • Those Concerned About NHS Waiting Times: This is the most common reason people explore PMI. If the thought of waiting over a year for a hip replacement or several months for a diagnostic scan fills you with dread, PMI offers a direct route to faster care.
  • Individuals Who Value Choice and Control: PMI puts you in the driver's seat. You can often choose your consultant, select the hospital you're treated in, and schedule appointments at times that suit you, including evenings and weekends.
  • Senior Professionals and High Earners: For those in demanding roles, time is a precious commodity. The convenience, comfort, and efficiency of the private sector are often seen as a worthwhile investment to minimise disruption to work and life.
  • Anyone Wanting Enhanced Mental Health Support: While NHS mental health services are under immense strain, many modern PMI policies offer excellent, fast-track access to therapy, counselling, and psychiatric support, often without needing a GP referral.

Ultimately, PMI is "worth it" when the monthly premium is a price you are willing to pay for the benefits of speed, choice, and comfort should you fall ill with a new, acute condition.

Understanding the NHS and its Limitations in 2025

Let's be clear: the NHS is a world-class institution. For major accidents, emergencies like a heart attack or stroke, and the management of long-term chronic illnesses, it is and should remain your first port of call. Private health insurance is not a replacement for the NHS; it's designed to work alongside it.

The challenge the NHS faces is in providing elective or planned care. This refers to non-emergency treatment, such as joint replacements, hernia operations, cataract surgery, and diagnostic tests like MRI or CT scans.

According to the latest data from NHS England, the elective care waiting list remains stubbornly high, with millions of treatment pathways yet to be started. In early 2025, it's not uncommon for patients to face waits of over a year for certain routine procedures. This is where PMI steps in. It provides a parallel pathway, allowing you to bypass these queues for eligible conditions.

What Exactly is Private Medical Insurance (PMI)?

At its core, PMI is an insurance policy you pay for—typically monthly or annually—that covers the cost of private medical treatment for acute conditions that arise after your policy has begun.

This is the most critical point to understand.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of cataracts, a hernia, or a damaged knee ligament.
  • 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, or it is likely to recur. Examples include diabetes, asthma, arthritis, and high blood pressure.

Standard private medical insurance in the UK does not cover chronic conditions. It is designed to get you diagnosed and treated for new, curable health issues, restoring you to your previous state of health.

Acute vs. Chronic Conditions: A Simple Guide

CharacteristicAcute Condition (Typically Covered by PMI)Chronic Condition (Typically NOT Covered by PMI)
DefinitionA condition that comes on suddenly and is curable.A long-term condition that can be managed but not cured.
DurationShort-term.Lifelong or long-term.
PMI GoalTo diagnose and treat, leading to a full recovery.Management is handled by the NHS.
ExamplesJoint replacement, cataract surgery, gallstone removal, hernia repair, broken bones.Diabetes, asthma, high blood pressure, Crohn's disease, eczema.

The Core Benefits of Private Health Cover

If you decide PMI is a potential fit, what tangible benefits can you expect?

Faster Access to Specialists and Treatment

This is the number one benefit. Instead of waiting weeks for a GP appointment and then months to see a specialist, you can often see a consultant within days. If treatment is needed, it can be scheduled in a matter of weeks, not months or years.

Real-life example: John, a 55-year-old builder, develops severe knee pain. His GP suspects a torn meniscus and refers him for an NHS MRI scan (12-week wait) and an orthopaedic consultation (40-week wait). With his PMI policy, John gets a private MRI scan the same week and sees a top knee surgeon 10 days later. His surgery is scheduled for three weeks after that. He's back at work in a fraction of the time.

Choice of Hospitals and Consultants

PMI gives you control. Most policies offer a list of approved hospitals, allowing you to choose one that is convenient or has a reputation for excellence in a particular field. You can also research and select the specific consultant you want to oversee your care.

Private, Comfortable Facilities

Being unwell is stressful enough. The private experience is designed to be more comfortable. This typically means a private en-suite room, more flexible visiting hours, and better food menus. It’s a less clinical, more hotel-like environment that many patients find helps with their recovery.

Access to Advanced Treatments and Drugs

Sometimes, a new drug or treatment may be proven effective but not yet approved for widespread use on the NHS by the National Institute for Health and Care Excellence (NICE), often due to cost. Many comprehensive PMI policies provide cover for certain treatments that aren't yet available on the NHS, giving you access to the very latest medical advancements.

Comprehensive Mental Health Support

The best PMI providers now offer extensive mental health cover as standard. This often includes:

  • Fast access to counselling or Cognitive Behavioural Therapy (CBT).
  • Cover for psychiatric consultations and treatment.
  • Access to digital mental health apps and support lines.

This can be a lifeline for those struggling with conditions like anxiety, depression, or stress, providing support much faster than NHS services often can.

Digital GP Services and Wellness Perks

Most modern policies come with a suite of value-added benefits, including:

  • 24/7 Digital GP: Video consultations with a GP from your smartphone, often within a couple of hours.
  • Wellness Programmes: Discounts on gym memberships, fitness trackers, and health screenings.
  • Health Support Lines: Access to nurses and other clinicians for advice.

For example, clients who arrange their private health cover through WeCovr receive complimentary access to CalorieHero, our advanced AI-powered calorie and nutrition tracking app, helping them build healthy habits.

What Does a Typical PMI Policy Cover (and Not Cover)?

Understanding the inclusions and exclusions is vital to avoid disappointment when you need to make a claim. While policies vary, here is a general guide.

What's Usually IncludedWhat's Usually Excluded
In-patient & Day-patient Treatment: Costs when you are admitted to a hospital bed (for a night or just the day).Pre-existing Conditions: Any illness or injury you had symptoms of or received treatment for before the policy started.
Out-patient Treatment: Consultations, diagnostic tests (MRI, CT scans), and therapies that don't require a hospital bed. This can have annual limits.Chronic Conditions: Long-term illnesses like diabetes, asthma, or arthritis that require ongoing management.
Comprehensive Cancer Cover: A core feature of most policies, covering diagnosis, surgery, chemotherapy, radiotherapy, and more.Emergency Treatment: A&E visits are handled by the NHS.
Mental Health Cover: Access to therapists, psychologists, and psychiatrists for acute mental health conditions.Routine Pregnancy & Childbirth: Normal pregnancies are not covered, though complications may be.
Therapies: Physiotherapy, osteopathy, and other therapeutic services after surgery or injury.Cosmetic Surgery: Procedures that are not medically necessary.
Digital GP Services: 24/7 access to a virtual GP.Organ Transplants, Dialysis, HIV/AIDS Treatment: These are typically managed by the NHS.

Crucially, you must always use the NHS for emergencies. If you have chest pains or are in a serious accident, call 999 and go to A&E. PMI is for planned, non-emergency care.

Understanding Underwriting: How Insurers Assess Your Health

"Underwriting" is the process an insurer uses to assess your risk and decide what they will and will not cover. For PMI, it primarily concerns your past medical history. There are two main types:

  1. Moratorium (Mori) Underwriting: This is the most common and straightforward option. You don't have to complete a detailed medical questionnaire when you apply. Instead, the insurer automatically excludes any condition you have had symptoms, medication, or advice for in the 5 years leading up to your policy start date. However, if you then go for a continuous 2-year period after your policy starts without any trouble from that condition, the insurer may agree to cover it in the future.

  2. Full Medical Underwriting (FMU): With FMU, you complete a detailed health questionnaire when you apply, declaring your full medical history. The insurer then reviews this and tells you upfront exactly what will be excluded from your policy. This provides certainty from day one but can be more complex to set up.

Moratorium vs. Full Medical Underwriting

FeatureMoratorium UnderwritingFull Medical Underwriting (FMU)
Application ProcessQuick and simple. No initial medical forms.Longer process. Requires a full health questionnaire.
ExclusionsBlanket exclusion on conditions from the last 5 years.Exclusions are explicitly stated in your policy documents.
Clarity on CoverCan be ambiguous. You may only find out a condition is excluded when you claim.Complete clarity from the start. You know exactly what isn't covered.
Pre-existing ConditionsMay become eligible for cover after a 2-year trouble-free period.Exclusions are usually permanent.
Best ForPeople with a clean bill of health who want a quick start.People with a complex medical history who want certainty on their cover.

Working with a specialist PMI broker like WeCovr can be invaluable here. We can help you understand which underwriting option is best for your circumstances and navigate the application process smoothly.

How to Control the Cost of Your Private Medical Insurance

PMI doesn't have to be prohibitively expensive. There are several levers you can pull to tailor a policy to your budget.

  1. The Excess: This is the amount you agree to pay towards the cost of a claim. For instance, if you have a £250 excess and your treatment costs £4,000, you pay the first £250 and the insurer pays the remaining £3,750. A higher excess leads to a lower monthly premium.
  2. The Hospital List: Insurers group hospitals into tiers. A comprehensive list including prime central London hospitals is the most expensive. Opting for a more restricted list of local private hospitals can significantly reduce your premium.
  3. The Six-Week Option: This is a popular way to save money. With this option, your PMI will only kick in if the NHS waiting time for the in-patient treatment you need is longer than six weeks. If the NHS can treat you within six weeks, you use the NHS. This reduces the risk for the insurer and lowers your premium.
  4. Out-patient Cover Limits: You can choose to limit your out-patient cover. For example, you could cap it at £1,000 per year or limit it to just diagnostics after a specialist referral. This means you might have to pay for initial consultations yourself but are covered for major expenses like scans and surgery.

Impact of Choices on Monthly Premiums (Illustrative)

Policy ChoiceLow Premium Example (£45/month)High Premium Example (£120/month)
Excess£500£0
Hospital ListLocal / Limited NetworkNationwide including Central London
Six-Week OptionIncludedNot included
Out-patient CoverLimited to £500Full Cover

Note: These are illustrative costs for a healthy 40-year-old. Your actual premium will depend on your age, location, lifestyle, and chosen cover level.

Is PMI Worth It? A Real-Life Cost-Benefit Analysis

Let's return to our example of Sarah, a 45-year-old self-employed graphic designer who needs a hip replacement.

ScenarioNHS RouteSelf-Pay RoutePMI Route
Waiting Time52-week average wait for surgery.Surgery within 2-4 weeks.Surgery within 4-6 weeks.
Direct Cost£0£13,500 (average UK cost)£720 (annual premium) + £250 (excess) = £970
Indirect CostSignificant pain and reduced mobility for a year. Potential loss of income (£10,000s) due to inability to work comfortably.N/AMinimal disruption to work and life.
OutcomeGood clinical outcome, but after a year of pain and financial strain.Excellent clinical outcome, but with a huge one-off financial hit.Excellent clinical outcome, minimal waiting, and a manageable, predictable cost.

For Sarah, paying a £60 per month premium (£720 per year) is clearly "worth it" compared to the alternatives of a year in pain or a £13,500 bill. This is the fundamental value proposition of private medical insurance. (illustrative estimate)

Why Use a Specialist PMI Broker like WeCovr?

The UK private medical insurance market is complex. With over a dozen providers, each offering multiple policy variations, underwriting options, and hospital lists, choosing the right one can feel overwhelming. This is where an expert broker comes in.

A specialist broker like WeCovr works for you, not the insurance companies. Our role is to:

  • Understand Your Needs: We take the time to learn about your health, budget, and priorities.
  • Compare the Market: We use our expertise and technology to compare policies from all the leading UK providers, such as Aviva, Bupa, AXA Health, and Vitality.
  • Provide Independent Advice: We explain the pros and cons of each option in plain English, helping you make an informed decision.
  • Save You Money: We have access to the whole market and can often find deals or policy structures that are better value than going direct.
  • Support You at Claim Time: We are here to offer guidance if you ever need to use your policy.

Best of all, using a broker like WeCovr costs you nothing. We are paid a commission by the insurer you choose, so you get expert, impartial advice completely free of charge. Plus, if you buy PMI or life insurance through us, we can offer discounts on other types of cover you might need, like home or travel insurance.

Enhancing Your Wellbeing: Beyond Insurance

True health isn't just about treating illness; it's about fostering wellness. A balanced diet, regular physical activity, and sufficient sleep are the cornerstones of a healthy life.

  • Nutrition: Aim for a balanced diet rich in fruits, vegetables, lean proteins, and whole grains. Staying hydrated is also key.
  • Activity: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This could be a brisk walk, a bike ride, or a swim.
  • Sleep: Aim for 7-9 hours of quality sleep per night. It's crucial for mental and physical recovery.

Many of the best PMI providers actively encourage this. They offer rewards for staying active and provide tools to help you manage your health. As mentioned, all WeCovr clients who purchase PMI receive complimentary lifetime access to our CalorieHero AI nutrition app, making it easier than ever to track your diet and achieve your health goals.

Do I need to declare pre-existing conditions when applying for private health insurance?

Yes, absolutely. You must be honest and transparent about your medical history. If you choose Full Medical Underwriting, you will declare this on a questionnaire. If you choose Moratorium underwriting, any condition from the last 5 years is automatically excluded for a set period. Failing to disclose a condition can invalidate your policy.

Is cancer treatment fully covered by private medical insurance in the UK?

Generally, yes. Comprehensive cancer cover is a cornerstone of most UK PMI policies. It typically covers the costs of diagnosis, surgery, and treatments like chemotherapy, radiotherapy, and biological therapies. However, the level of cover can vary, so it's vital to check the policy details carefully.

Can I buy private health insurance if I am over 65?

Yes, you can. Many insurers have no upper age limit for new policies. However, premiums increase significantly with age as the likelihood of needing to claim is higher. Some providers also offer specialist policies designed for older individuals, which may have different terms and benefits.

Does private medical insurance cover dental and optical care?

Standard PMI policies do not typically cover routine dental check-ups or optical tests and glasses. These are usually available as optional add-ons for an extra premium. Some policies may cover more significant dental surgery if it's required as part of a medical procedure.

Ready to find out if private medical insurance is the right choice for you and your family?

The team of experts at WeCovr can provide you with a free, no-obligation comparison of the UK's leading providers. Get clarity on your options and a quote tailored to your needs and budget in minutes.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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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 experienced 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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