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Does Private Health Insurance Cover Private GP Prescriptions

In short, most UK private medical insurance policies do not cover the cost of private prescriptions. At WeCovr, our experienced advisers help you navigate these hidden costs to find a policy that balances benefits, like digital GP access, with affordability.

WeCovr Editorial Team · experienced insurance advisers
Last updated Mar 17, 2026

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Does Private Health Insurance Cover Private GP Prescriptions

TL;DR

In short, most UK private medical insurance policies do not cover the cost of private prescriptions. At WeCovr, our experienced advisers help you navigate these hidden costs to find a policy that balances benefits, like digital GP access, with affordability.

Key takeaways

  • Standard UK private health insurance rarely covers the cost of outpatient prescription drugs.
  • Private prescriptions are dispensed at full cost, unlike subsidised NHS prescriptions.
  • Digital GP services included with PMI offer convenience but prescriptions are a separate, private cost.
  • High-cost cancer drugs are a major exception and are often covered under comprehensive cancer cover.
  • Understanding policy limits on outpatient benefits is crucial to avoid unexpected medication bills.

As experienced private medical insurance brokers in the UK, having assisted with over 900,000 policies of various kinds, we at WeCovr often encounter a critical question from clients: "If I use my policy's private GP service, will my prescriptions be covered?" The answer, which surprises many, lies at the heart of understanding the true value and limitations of private health cover.

The short answer is that, in most cases, UK private medical insurance (PMI) does not cover the cost of outpatient prescriptions. This article will unpack this crucial detail, exploring the hidden costs of private medicine, the role of digital GP integration, and how you can make an informed choice about your health cover.

The hidden costs of private medicine and digital GP integration

Private medical insurance is designed to work alongside the NHS, not replace it entirely. Its primary purpose is to help you bypass NHS waiting lists for diagnosis and treatment of acute conditions—illnesses that are curable and short-term. While your monthly premium is the most obvious cost, several other "hidden" costs can arise, and prescriptions are arguably the most common.

The modern PMI policy is a bundle of benefits. Alongside core cover for hospital stays and specialist consultations, insurers now compete by offering attractive perks, chief among them being 24/7 digital GP services. These apps are a fantastic innovation, offering immediate access to a doctor via your smartphone. However, this convenience comes with a significant caveat: the prescription they issue is a private one, and the cost falls to you.

Understanding this dynamic is essential to managing your healthcare budget and avoiding unexpected bills.

The Core Question: Are Private Prescriptions Covered?

For the vast majority of standard UK private health insurance policies, the answer is a clear no. Outpatient medication—drugs prescribed by a GP or a specialist during a consultation that you take at home—is a standard exclusion.

The NHS vs. Private Prescription Cost Difference

The financial gap between an NHS prescription and a private one can be substantial.

  • NHS Prescription: In England, there is a fixed charge per item (currently £9.90 as of late 2025/early 2026). In Scotland, Wales, and Northern Ireland, NHS prescriptions are free.
  • Private Prescription: You pay the full, unsubsidised cost of the drug itself, plus a dispensing fee charged by the pharmacy. This can range from a few pounds to hundreds of pounds, depending on the medication.

Let's look at a simple comparison for a common medication:

Medication TypeNHS Prescription Cost (England)Estimated Private Prescription Cost
Common Antibiotic (e.g., Amoxicillin)£9.90£10 - £20
Branded Statin (for cholesterol)£9.90£30 - £50 per month
Specialist Skincare Cream£9.90£40 - £75+

As the table shows, while a simple, generic antibiotic might not break the bank, the costs for branded or longer-term medications can accumulate rapidly.

Why Do Insurers Exclude Outpatient Prescriptions?

Insurers have sound financial and structural reasons for excluding outpatient drugs from standard cover:

  1. Cost Control: The pharmaceutical market is vast and expensive. Covering all potential outpatient drugs would make premiums prohibitively expensive for most people.
  2. Preventing Over-Utilisation: Unlimited cover for prescriptions could potentially lead to overuse or pressure on GPs to prescribe where it may not be strictly necessary.
  3. Focus on Core Acute Care: PMI's core function is to pay for the expensive parts of private treatment: the specialist's time, the diagnostic scans (MRI, CT), and the hospital costs for surgery. Prescriptions are seen as an ancillary, manageable cost for the policyholder.
  4. The Role of the NHS: The system is designed with the expectation that ongoing and routine medications will be handled by the NHS, which can purchase drugs in enormous bulk, keeping costs down.

Digital GPs: A Game-Changer with a Caveat

Nearly every major UK PMI provider—including Aviva, Bupa, and Vitality—now offers a digital or virtual GP service as a key policy benefit. These services are incredibly popular, allowing you to have a video consultation with a GP within hours, or even minutes, from anywhere.

The Benefit: Unparalleled speed and convenience. If you have a worrying symptom, you can get a professional opinion almost instantly, 24/7. The GP can diagnose simple issues, offer advice, and, crucially, provide an instant private referral to a specialist if needed, activating your PMI policy's main benefit.

The Prescription Trap: The convenience of the consultation can sometimes mask the cost of the outcome. Here's the typical process:

  1. Consultation: You use the insurer's app and have a video call with a private GP. This consultation is fully covered by your PMI policy.
  2. Prescription Issued: The GP determines you need medication and issues a private prescription electronically.
  3. Collection & Payment: You receive a code or a digital prescription sent to your phone or email. You take this to a local pharmacy of your choice.
  4. The Bill: The pharmacist dispenses the medication, and you are charged the full private cost. This amount cannot be claimed back from your insurer.

Insider Adviser Tip: If a private GP recommends a course of treatment, you can sometimes ask them to write a letter to your NHS GP with their recommendation. Your NHS GP may then, at their own clinical discretion, agree to issue an NHS prescription for the same medication. This is not guaranteed and depends entirely on your NHS GP and local health board guidelines, but it can be a way to secure medication at the lower NHS cost.

When ARE Drugs Covered by Private Medical Insurance?

While outpatient prescriptions are generally excluded, there are very important situations where medication costs are fully covered. The distinction usually comes down to where the drugs are administered.

1. Inpatient and Day-Patient Treatment

This is a core component of all PMI policies. If you are admitted to a hospital as an inpatient (overnight stay) or a day-patient (admitted for a procedure but go home the same day), any drugs administered during your stay are covered.

This includes:

  • Anaesthetics and sedatives for surgery.
  • Pain relief administered intravenously or orally while in hospital.
  • Antibiotics given during or after a procedure to prevent infection.
  • All other medications deemed necessary as part of your hospital treatment.

These costs are bundled into the overall hospital bill, which your insurer settles directly. You may also be given a small "take-home" pack of medication (e.g., a few days' worth of painkillers), which is typically also covered.

2. Cancer Treatment (The Major Exception)

Cancer cover is one of the most powerful reasons people invest in private medical insurance. Comprehensive cancer cover, which is standard on most good policies, is the main exception to the "no outpatient drugs" rule.

PMI policies with cancer cover will typically fund:

  • Chemotherapy, whether administered in hospital or at home.
  • Hormone therapies.
  • Biologic therapies and immunotherapies.

Crucially, this cover often includes access to expensive, cutting-edge drugs that may not be available on the NHS, or only after a long wait or appeal process. Your policy will have a specific "cancer drug list," and as long as the drug is approved for your condition, the insurer will cover the cost. This benefit alone can be worth tens or even hundreds of thousands of pounds and provides immense peace of mind.

3. Limited "Outpatient Drugs" Add-Ons

A very small number of high-end, top-tier PMI policies may offer a limited benefit for outpatient drugs as an optional, paid-for add-on. This is not common and is usually expensive. It might involve a separate excess or have an annual financial limit (e.g., up to £250 per year). For the average consumer, this add-on rarely provides value for money compared to its cost.

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How to Manage Prescription Costs with a PMI Policy

Being aware of the rules is the first step. Here are four practical strategies to manage your healthcare costs effectively.

Strategy 1: The Dual Approach (PMI for Speed, NHS for Prescriptions) This is the most common and effective way to use private health insurance.

  • Use PMI for its strengths: Fast diagnosis (GP access, specialist consultations, scans) and prompt treatment (surgery).
  • Use the NHS for its strengths: Managing long-term conditions and providing cost-effective prescriptions.
  • If diagnosed with a new condition privately, work with your NHS GP to manage the ongoing medication.

Strategy 2: Scrutinise Your Outpatient Cover When choosing a policy, pay close attention to the outpatient limit. While this limit won't cover drugs, a healthy limit (e.g., £1,000 to unlimited) ensures you have enough cover for the crucial diagnostic phase: specialist consultations and scans. This is where the real value lies in getting a swift diagnosis.

Strategy 3: Read the Policy Wording Before you buy, ask for the policy documentation. Use "Ctrl+F" to search for key terms like "prescriptions," "drugs," "medication," and "pharmacy." The exclusions section will state clearly that outpatient prescriptions are not covered. Understanding this upfront prevents future disappointment.

Strategy 4: Use an Expert PMI Broker This is the simplest and most effective strategy. A specialist broker doesn't just sell you a policy; they provide advice tailored to your needs.

An independent broker like WeCovr can:

  • Compare the entire market: We check policies from all leading UK insurers.
  • Explain the fine print: We highlight key exclusions, like prescription cover, so you know exactly what you're buying.
  • Balance cost and benefits: We help you find a policy with the right level of outpatient cover and cancer care for your budget.
  • Provide this service at no cost to you: Our commission is paid by the insurer, so you get expert advice for free.

UK Insurer Policies on Prescriptions: A General Comparison

To help you see the market at a glance, here is a general overview of the stance taken by major UK PMI providers.

ProviderIncludes Digital GP Service?Covers General Outpatient Prescriptions?Covers Approved Cancer Drugs?
AvivaYesNo (Standard Exclusion)Yes (with comprehensive cancer cover)
AXA HealthYesNo (Standard Exclusion)Yes (with comprehensive cancer cover)
BupaYesNo (Standard Exclusion)Yes (with comprehensive cancer cover)
The ExeterYesNo (Standard Exclusion)Yes (with comprehensive cancer cover)
VitalityYesNo (Standard Exclusion)Yes (with comprehensive cancer cover)

Disclaimer: This is a general guide based on standard policies available in early 2026. Policy features are subject to change and specific terms may vary. Always check the full policy details.

The pattern is clear: the value is in the service and treatment, not routine medication.

The Broader Context: Pre-Existing and Chronic Conditions

It's impossible to discuss PMI exclusions without reinforcing the most fundamental rule of the UK market: standard private medical insurance is for new, acute conditions that arise after you take out the policy.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., cataracts, hernia, joint replacement). These are covered.
  • 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 (e.g., diabetes, asthma, high blood pressure, arthritis). These are NOT covered.

Any prescriptions needed to manage a chronic condition will always be sourced via the NHS. Underwriting, the process insurers use to assess your health history (either through a detailed questionnaire or a moratorium period), is designed specifically to exclude cover for pre-existing and chronic conditions.

Practical Scenarios: How It Works in Real Life

Let's illustrate with three common scenarios.

Scenario 1: Sarah's Knee Injury (Acute)

Sarah twists her knee playing tennis. The pain is severe.

  1. Action: She uses her PMI's Digital GP app and speaks to a doctor within 30 minutes.
  2. Referral: The GP suspects a ligament tear and gives her an open referral to an orthopaedic specialist.
  3. Diagnosis: Her PMI provider approves the consultation and a subsequent MRI scan, which happens within a week. The scan confirms an ACL tear requiring surgery.
  4. Treatment: The surgery is scheduled for two weeks' time in a private hospital. Her PMI covers the surgeon, anaesthetist, and hospital fees. The painkillers she receives in hospital are covered.
  5. Prescription Cost: Upon discharge, she is given a private prescription for strong take-home painkillers. She pays for this herself at the pharmacy.

Scenario 2: David's High Cholesterol (Chronic)

During a routine NHS health check, David is found to have high cholesterol.

  1. Action: His NHS GP prescribes statins. This is a long-term, manageable condition.
  2. PMI Role: David's private health insurance will not cover this. It is a chronic condition, and the ongoing management and prescriptions fall under the care of the NHS. Attempting to claim for this would be unsuccessful.

Scenario 3: Fatima's Cancer Diagnosis (The Exception)

Fatima finds a lump and uses her private GP service for an urgent referral.

  1. Action: Her PMI covers the fast-track consultations and diagnostic tests, which confirm a cancer diagnosis.
  2. Treatment Plan: Her oncologist, covered by PMI, recommends a course of treatment involving surgery and a specific chemotherapy drug that is NICE-approved but has a waiting list on the NHS.
  3. Cost Cover: Her comprehensive cancer cover funds the surgery and the full course of chemotherapy, which costs over £40,000. The cost of the drugs is paid for in full by her insurer. This gives her immediate access to the best possible care.

Getting the Right Advice from a PMI Broker

Navigating the complexities of outpatient limits, cancer cover, and prescription rules can be daunting. Going direct to an insurer means you only see one version of the rules. Using a comparison site gives you prices but no context.

An independent, FCA-regulated broker like WeCovr provides the missing piece: expert guidance. Our advisers are specialists in the UK health insurance market. We help thousands of clients every year find the right balance of cover and cost.

When you speak with us, you get:

  • Whole-of-Market Comparison: We are not tied to any single insurer.
  • Clarity on an "Apples-to-Apples" Basis: We translate the jargon and show you how policies truly stack up against each other.
  • Personalised Recommendations: We listen to your priorities—be it mental health support, comprehensive cancer care, or a low premium—and find the best fit.
  • Added Value: As a WeCovr client, you also get complimentary access to our AI calorie tracking app, CalorieHero, and can benefit from discounts on other insurance products, like life or income protection cover.

Our high customer satisfaction ratings are a testament to our commitment to clear, honest advice.

Frequently Asked Questions (FAQ)

Does private health insurance cover medication in the UK?

Generally, no. Standard UK private health insurance does not cover the cost of outpatient prescriptions you collect from a pharmacy. However, it almost always covers drugs administered during an inpatient or day-patient hospital stay and, most importantly, the high-cost drugs used for cancer treatment as part of a comprehensive cancer cover plan.

Can a private GP prescribe on the NHS?

No, a private GP cannot directly issue an NHS prescription. They can only issue private prescriptions, which you must pay for in full. However, they can write a letter to your NHS GP with their clinical recommendations. Your NHS GP may then, at their own discretion, agree to issue an NHS prescription for the recommended medication, but they are not obligated to do so.

How much is a private prescription in the UK?

The cost of a private prescription in the UK is the full, unsubsidised price of the drug plus a dispensing fee from the pharmacy. This can vary from under £10 for a common generic antibiotic to hundreds of pounds for specialist or branded medications. This is different from the fixed NHS prescription charge in England (currently £9.90 per item) or the free prescriptions in the rest of the UK.

Is it worth getting private health insurance if it doesn't cover prescriptions?

Yes, for many people it is highly valuable. The primary purpose of private medical insurance is not to cover routine drug costs but to provide fast access to specialists, diagnostics (like MRI/CT scans), and surgical procedures for acute conditions, bypassing long NHS waiting lists. Furthermore, the cover for expensive cancer drugs alone can provide peace of mind and access to treatments that can be life-changing.

Your Next Step to Clarity and Peace of Mind

Understanding what your policy does and doesn't cover is the key to making private medical insurance work for you. While outpatient prescriptions are a cost you should expect to bear, the core benefits of PMI—speed, choice, and access to advanced treatments—remain incredibly compelling.

Ready to find a policy that fits your needs and budget without any hidden surprises?

Speak to one of our friendly, expert advisers at WeCovr today. We'll compare the market for you, explain all the details in plain English, and provide a free, no-obligation quote.

Sources

  • NHS England
  • gov.uk
  • Financial Conduct Authority (FCA)
  • National Institute for Health and Care Excellence (NICE)
  • The King's Fund
  • Office for National Statistics (ONS)

Disclaimer: This is general guidance only and does not constitute formal tax or financial advice. Tax treatment depends on individual circumstances, policy terms, and HMRC interpretation, which cannot be guaranteed in advance. Whenever applicable, businesses and individuals should always consult a qualified accountant or tax adviser before arranging such policies.

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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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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 a strong fit for your needs 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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