WeCovr.

Login

Families and Private Health Insurance Martin Lewis on Protecting Children

Families and Private Health Insurance Martin Lewis on...

As an FCA-authorised expert broker that has helped arrange over 900,000 policies of various kinds, WeCovr understands the importance of protecting your family's health. This guide explores private medical insurance (PMI) in the UK, helping you make an informed decision for your loved ones. We'll delve into expert advice, costs, and how cover works.

Discuss what Martin Lewis advises families on private health insurance, how cover works for kids, and average premium costs for UK families in 2025. Health insurance can be extremely useful for families to get specialist medical treatment if anything happens, from mild health problems to serious issues. The average cost for a typical family of four in 2025 is around £130 per month. — Family Money Experts on Martin Lewiss advice

Navigating the world of private health insurance can feel daunting, especially when your children's wellbeing is the priority. For many UK families, the question isn't just about cost, but about value and peace of mind. With NHS waiting lists remaining a significant concern, private medical insurance offers a pathway to faster diagnosis and treatment for a wide range of conditions.

This comprehensive guide breaks down everything you need to know. We will examine the typically pragmatic advice from consumer champion Martin Lewis, explore the specifics of how insurance policies cover children, and provide a realistic look at the average costs you can expect in 2025. Understanding these key elements will empower you to decide if private health cover is the right safety net for your family.

Martin Lewis's View on Private Health Insurance: A Pragmatic Approach

When it comes to financial decisions, millions in the UK turn to Martin Lewis and his MoneySavingExpert team for clear, unbiased advice. His perspective on private health insurance is, characteristically, a blend of caution and practicality.

Martin Lewis generally categorises insurance into two types:

  1. Essential Insurance: This covers catastrophic events you couldn't afford to recover from, such as your house burning down (buildings insurance) or causing a serious car accident (car insurance). These are "must-haves".
  2. "Nice-to-Have" Insurance: This covers things that are problematic but not financially ruinous. Private medical insurance falls squarely into this category.

Here’s a summary of his key viewpoints on PMI for families:

  • PMI is a Luxury, Not an Essential: The UK is incredibly fortunate to have the National Health Service (NHS). It provides excellent care, particularly for emergencies and serious chronic illnesses. PMI isn't designed to replace the NHS; it's designed to supplement it, primarily by speeding up access to non-urgent specialist consultations and treatments.
  • The Main Benefit is Speed and Choice: The core value of PMI is bypassing lengthy waiting lists for elective procedures, diagnostic tests (like MRI scans), and specialist appointments. It also gives you more choice over the consultant who treats you and the hospital you're treated in.
  • Consider "Self-Insuring": If you have significant savings, Martin Lewis suggests you could consider "self-insuring." This means putting money aside in an accessible savings account. If a medical issue arises that has a long NHS wait, you could use these funds to pay for private treatment directly. However, this carries the risk that a serious condition could cost far more than you have saved.
  • Always Compare and Check Exclusions: If you do decide to buy PMI, the golden rule is to never just accept the first quote. You must compare policies from different providers and, most importantly, read the small print. Understanding the exclusions—what the policy won't cover—is just as important as knowing what it will.

In essence, Martin Lewis's advice is to weigh the cost of the monthly premium against the peace of mind and convenience of fast-tracking medical care. For families, this calculation often tips in favour of getting cover, especially when thinking about a child's health.

The Critical Point: What UK Private Health Insurance Does NOT Cover

Before we go any further, it's vital to understand a fundamental principle of standard UK private medical insurance.

PMI is designed to cover acute conditions that arise after you take out the policy. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.

PMI does NOT typically cover:

  • Pre-existing Conditions: Any medical issue you or your family members have had symptoms of, received advice for, or been treated for before the policy start date.
  • Chronic Conditions: Long-term illnesses that cannot be cured, only managed. This includes conditions like diabetes, asthma, arthritis, and high blood pressure. While PMI may cover the initial diagnosis of a chronic condition, the ongoing, long-term management will almost always be handled by the NHS.
  • Emergencies: A&E visits, ambulance services, and immediate life-threatening situations are handled by the NHS.
  • Routine Pregnancy & Childbirth: Standard policies do not cover planned maternity care.
  • Other specific exclusions like cosmetic surgery, organ transplants, and experimental treatments.

Understanding these limitations is key to having realistic expectations of what a policy can do for your family.

How Does Private Health Insurance for Children Work?

Adding your children to a private health insurance policy is one of the most common reasons families opt for cover. The thought of a child being in pain or discomfort while on a long waiting list is a powerful motivator.

Here’s how cover for children typically functions:

1. Adding Children to Your Policy: You can usually add children to a policy in one of two ways:

  • Family Policy: You buy a single policy that covers two adults and one or more children. This is often the most straightforward and cost-effective method.
  • Adding to an Existing Policy: If you already have individual or couple's cover, you can contact your insurer to add your children. Newborns can typically be added without any new medical underwriting, provided you add them within a few months of birth.

Most insurers will allow children to remain on a family policy until they are around 21, or even 24 if they are still in full-time education.

2. Key Benefits for Children's Health: A family health insurance policy provides several specific advantages when a child falls ill:

  • Fast-Track to Paediatric Specialists: Bypassing long NHS waits for appointments with paediatricians, dermatologists, ENT (ear, nose, and throat) specialists, or orthopaedic surgeons.
  • Prompt Diagnostics: Quickly getting access to tests like MRI scans, CT scans, and allergy tests to get a clear diagnosis and start treatment sooner.
  • Comfort and Privacy: If your child needs to stay in hospital, a private policy usually provides a private room, making a stressful experience more comfortable. Crucially, most policies include accommodation for one parent to stay in the room with their child.
  • Mental Health Support: This is an increasingly vital benefit. With NHS Child and Adolescent Mental Health Services (CAMHS) facing overwhelming demand, many PMI policies offer a set number of therapy or counselling sessions, providing crucial early support for issues like anxiety and depression.
  • Virtual GP Services: 24/7 access to a GP via phone or video call is a standard feature on most policies. This is invaluable for parents wanting quick advice on a child's fever or rash in the middle of the night, avoiding a trip to A&E.

Real-Life Example: The Value of PMI for a Child

Imagine 8-year-old Leo develops recurring, painful ear infections. His GP refers him to an NHS ENT specialist, but the waiting list for an initial consultation is six months. During this time, Leo continues to suffer, missing school and sleep.

With a family PMI policy:

  1. The family uses the virtual GP service. The GP provides an open referral letter.
  2. They call the insurer, who provides a list of approved private ENT specialists.
  3. Leo sees a specialist within a week.
  4. An investigation reveals he needs grommets fitted, a minor surgical procedure.
  5. The surgery is scheduled for two weeks later in a private hospital. Leo gets a private room, and his mum stays with him overnight.

In this scenario, PMI reduced the time from referral to treatment from over six months to less than a month.

What is the Average Cost of Family Health Insurance in 2025?

The cost of private health insurance for a family is not one-size-fits-all. It varies significantly based on several key factors. However, we can provide some reliable estimates for 2025.

Based on market analysis, the average monthly premium for a typical UK family of four (two adults in their late 30s, two children under 10) is projected to be around £130-£150 in 2025 for a mid-range policy.

Factors That Influence Your Family's Premium

Understanding what drives the cost will help you tailor a policy to your budget.

FactorImpact on PremiumHow to Manage the Cost
Age of AdultsHigher age = Higher premium.You can't change your age, but buying sooner rather than later locks in cover before age-related conditions develop.
LocationPremiums are highest in Central London due to higher hospital costs.Opting for a policy that excludes expensive city-centre hospitals can significantly reduce your premium.
Level of CoverComprehensive plans with full outpatient and therapy cover cost more.Choose a more basic plan that covers diagnostics and in-patient treatment but limits outpatient consultations.
Policy ExcessA higher excess (the amount you pay per claim) lowers your premium.Selecting a voluntary excess of £250 or £500 can create substantial monthly savings.
Hospital ListA restricted list of local hospitals is cheaper than a nationwide list.Assess which hospitals are near you and choose a list that meets your needs without being overly extensive.
UnderwritingHow the insurer assesses your medical history affects the price and cover.'Moratorium' underwriting is simpler and often cheaper initially, but 'Full Medical Underwriting' provides more certainty on what's covered from day one.

Illustrative Family PMI Costs in the UK (2025 Estimates)

The table below provides estimated monthly premiums for different family profiles and cover levels. These are for illustrative purposes; your actual quote will depend on your specific circumstances.

Family ProfileLocationLevel of CoverEstimated Monthly Premium (2025)
2 adults (early 30s), 1 child (<5)LeedsBasic (High Excess)£75 - £95
2 adults (late 30s), 2 children (<10)BristolMid-Range£120 - £150
2 adults (early 40s), 2 teensOuter LondonComprehensive£180 - £240
Single Parent (35), 1 child (8)BirminghamMid-Range£80 - £110

Working with an expert broker like WeCovr is the best way to get an accurate picture of the costs. We can compare the market for you and find a plan that balances comprehensive cover with a premium that fits your family's budget.

Is Family Health Insurance Worth It? A Balanced View

Deciding whether to invest in private medical insurance is a personal choice. Here are the main arguments for and against to help you decide.

The Case For Family PMI (Pros)

  • Peace of Mind: Knowing you can access fast treatment for your children and partner if they become unwell is the single biggest benefit for most people.
  • Bypassing NHS Waiting Lists: As of mid-2024, the NHS England waiting list stood at over 7.5 million treatment pathways. While the NHS is working to reduce this, significant waits for elective care are likely to persist. PMI allows you to bypass these queues.
  • Choice and Control: You get to choose your specialist from a list of approved consultants and select the hospital where you or your child will be treated.
  • Enhanced Comfort: A private room, more flexible visiting hours, and better food can make a hospital stay far less stressful for both children and parents.
  • Access to Advanced Treatments: Some policies provide access to new drugs or treatments that may not yet be available on the NHS due to cost or NICE (National Institute for Health and Care Excellence) approval delays.
  • Valuable Added Benefits: Most modern policies come bundled with extras like 24/7 virtual GPs, mental health support lines, and even discounts on gym memberships and fitness trackers.

The Case Against Family PMI (Cons)

  • The Monthly Cost: PMI is an ongoing financial commitment. For a family, this can be a significant addition to the monthly budget, especially during a cost-of-living crisis.
  • The Exclusions: The fact that PMI does not cover pre-existing or chronic conditions is its biggest limitation. You must be clear on this from the outset.
  • The NHS Handles Emergencies: You are still reliant on the NHS for any urgent or emergency care. A PMI policy is not a replacement for calling 999.
  • You Might Not Use It: You could pay premiums for years and never need to make a claim. This is the nature of insurance, but some people would rather save the money instead.

How to Choose the Best UK Private Medical Insurance for Your Family

If you've decided that the benefits of PMI outweigh the costs, the next step is to find the right policy. A methodical approach will ensure you get the best value.

Step 1: Assess Your Family's Needs and Priorities Discuss with your partner what is most important to you.

  • Is comprehensive cancer cover a must-have?
  • Is mental health support for your children a priority?
  • Do you want access to alternative therapies like physiotherapy or osteopathy?
  • Are you happy with a local hospital list, or do you want nationwide choice?

Step 2: Determine Your Budget Decide on a monthly premium that you can comfortably afford without straining your finances. Remember to factor in the policy excess – a higher excess will lower your monthly cost, but you need to be able to afford it if you make a claim.

Step 3: Understand the Key Policy Levers Familiarise yourself with the main options that you can adjust to control your cover and cost:

  • Outpatient Cover: You can choose a plan with full outpatient cover, a limited number of consultations, or no outpatient cover at all (relying on the NHS for diagnostics).
  • Hospital List: Insurers offer tiered hospital lists. A list that excludes the most expensive hospitals in Central London can save you up to 20%.
  • "6-Week Wait" Option: Some policies include a clause where if the NHS can treat you within six weeks, you use the NHS. If the wait is longer, your private cover kicks in. This can be a very cost-effective option.

Step 4: Use an Independent PMI Broker This is the most crucial step. Instead of going directly to individual insurers, using an independent, FCA-authorised broker like WeCovr gives you several advantages:

  • Whole-of-Market Comparison: We compare policies from leading UK providers like Aviva, AXA Health, Bupa, and Vitality to find the best fit for you.
  • Expert Advice: Our specialists understand the complex jargon and policy details. We can explain the differences in underwriting, cancer cover, and mental health options in plain English.
  • No Extra Cost: Our service is free to you. We are paid a commission by the insurer you choose, which does not affect the price you pay.
  • Tailored Recommendations: We take the time to understand your family's unique needs and budget to recommend the most suitable options.

A Healthier Lifestyle: Tips for UK Families

While insurance is there for when things go wrong, prevention is always better than cure. Many PMI providers actively encourage healthy living through wellness programmes and benefits. Here are some simple, effective tips for keeping your family healthy and happy.

Embrace a Balanced Diet

A nutritious diet is the foundation of good health.

  • The 5-a-Day Rule: Aim for everyone to eat at least five portions of varied fruit and vegetables each day.
  • Family Cooking: Involve children in preparing meals. It's a great way to teach them about food and encourage them to try new things.
  • Smart Snacking: Swap sugary snacks and crisps for healthier alternatives like fruit, yoghurt, vegetable sticks with hummus, or a handful of nuts.
  • Track Your Nutrition: Understanding your family's eating habits can be enlightening. As a WeCovr customer, you get complimentary access to our CalorieHero AI calorie tracking app, making it easy to monitor your nutritional intake and make healthier choices.

Stay Active Together

Regular physical activity is crucial for physical and mental wellbeing.

  • Walk to School: If possible, leave the car behind and walk, scoot, or cycle.
  • Weekend Adventures: Explore local parks, woodlands, or nature reserves. A family bike ride or a long walk is a fantastic way to spend time together.
  • Join Local Groups: Look into local sports clubs, dance classes, or free community events like Parkrun, which has junior events for children aged 4-14.

Prioritise Mental Wellbeing

  • Good Sleep Hygiene: Ensure everyone, especially children and teenagers, gets enough sleep. Establish a consistent bedtime routine and limit screen time before bed.
  • Talk and Listen: Create an environment where your children feel comfortable talking about their worries. Regular family dinners without screens are a great opportunity for this.
  • Digital Detox: Set aside dedicated times each day or week where the whole family puts away their phones and gadgets and engages in a shared activity.

By taking these small steps, you can improve your family's overall health and potentially reduce the need to claim on your insurance. Furthermore, some insurers, like Vitality, actively reward you for healthy living with lower premiums and other perks.

Does family private health insurance cover pregnancy?

Generally, standard private medical insurance policies in the UK do not cover routine pregnancy and childbirth. These are seen as planned life events rather than unforeseen medical conditions. However, some comprehensive policies may offer cover for certain complications of pregnancy or childbirth. If you plan to add a newborn to your policy, most insurers allow you to do so without further medical underwriting within a few months of their birth.

What happens if my child develops a chronic condition while we have the policy?

This is a very important question. Private health insurance is designed for acute conditions. If your child develops a long-term chronic condition (like asthma or diabetes) after your policy has started, the policy will typically cover the initial diagnostic phase to find out what's wrong. Once the condition is diagnosed as chronic, the ongoing management, medication, and routine check-ups will usually be handed back to the NHS, which is set up for long-term care.

Are there any waiting periods before I can claim for my family?

Most policies have an initial waiting period, often called a "moratorium." With moratorium underwriting, any condition you've had symptoms of or treatment for in the five years before joining is excluded. This exclusion can be lifted for a specific condition if you go for a set period (usually two years) without any symptoms, treatment, or advice for it after your policy starts. For new, unrelated conditions that arise after you join, you can typically claim straight away.

Take the Next Step to Protect Your Family

Choosing the right private medical insurance is one of the most important decisions you can make for your family's health and wellbeing. The market is complex, but you don't have to navigate it alone.

At WeCovr, our friendly, expert team is here to help. We provide no-obligation advice, compare the UK's leading insurers, and tailor a policy that gives your family the protection they deserve at a price you can afford. Plus, when you buy a policy through us, you'll receive complimentary access to our CalorieHero nutrition app and may be eligible for discounts on other cover like life insurance.

[Get Your Free, No-Obligation Family Health Insurance Quote Today]

Related guides

Protecting Your Children Private Medical Insurance for Young Families
Protecting Your Children Private Medical Insurance for Young Families
Read more →
Best PMI for Families with Children Who Have Special Needs
Best PMI for Families with Children Who Have Special Needs
Read more →
Cover for Children and Families on Private Insurance
Cover for Children and Families on Private Insurance
Read more →
Health Insurance for Families and Children 2026 Update
Health Insurance for Families and Children 2026 Update
Read more →
Health Insurance for Families and Children 2026 Update
Health Insurance for Families and Children 2026 Update
Read more →
PMI for Families Covering Children and Dependents in 2026
PMI for Families Covering Children and Dependents in 2026
Read more →
Get A Free Quote

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

Our Group Is Proud To Have Issued 800,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Learn more

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2026 WeCovr. Made with in London