Family Health Insurance

Family Health Insurance 2024 | Free Tailored Quotes

Family Health Insurance: A Guide from WeCovr

At WeCovr, we understand the importance of securing comprehensive healthcare coverage for your entire family. Navigating the intricate world of private medical insurance (PMI) can be daunting, which is why we're here to guide you through the process and help you find the best family health insurance plan tailored to your unique needs.

Why Choose Family Health Insurance?

Family health insurance offers a range of benefits that can provide peace of mind and ensure your loved ones receive the best possible care:
  • Avoid NHS Waiting Lists: With private healthcare, you can bypass potentially long NHS waiting lists for both diagnosis and treatment, ensuring your family receives timely medical attention. This can be particularly crucial in situations where early intervention is key to successful treatment outcomes.
  • Choose Your Specialist and Hospital: Family health insurance empowers you to select the specialists, hospitals, and treatment times that best suit your preferences and needs. This level of flexibility and control can be invaluable, especially when dealing with complex or sensitive medical conditions.
  • Access to Latest Treatments and Drugs: Many family health insurance policies provide access to the latest treatments, drugs, and medical advancements, even those not yet available on the NHS. This can be a game-changer for families facing rare or challenging medical conditions, ensuring they have access to cutting-edge therapies and treatments.
  • Faster Access to Mental Health and Physiotherapy Services: Comprehensive family health insurance plans often include expedited access to mental health support and physiotherapy services. In an era where mental health is rightfully receiving increased attention, this benefit can be invaluable for supporting the overall well-being of your family.
  • Additional Benefits and Perks: Depending on the insurer, you may enjoy additional benefits such as discounted gym memberships, free cinema tickets, and more. These perks can not only enhance your overall experience but also promote a healthier lifestyle for your entire family.

Factors Affecting the Cost of Family Health Insurance

The cost of family health insurance can vary significantly depending on several factors. Understanding these variables is crucial in finding a plan that strikes the right balance between comprehensive coverage and affordability:
  • Age and Medical History: The age and pre-existing medical conditions of each family member will influence the premium. Generally, older individuals or those with pre-existing conditions may face higher premiums.
  • Number of Family Members: The more individuals covered under the policy, the higher the premium. However, many insurers offer discounts for joint or family policies, as opposed to individual plans.
  • Level of Coverage: Comprehensive policies with extensive coverage for inpatient, outpatient, and diagnostic treatments will generally cost more than basic plans with limited coverage. It's essential to carefully assess your family's healthcare needs and choose a plan that adequately addresses them.
  • Hospital List: The choice of hospitals included in your policy can impact the premium, with more prestigious or centrally located facilities often commanding higher fees. Consider your family's preferences and proximity to hospitals when selecting a hospital list.
  • Excess and Co-payments: Choosing a higher excess (the amount you pay upfront for treatment) or co-payment can help reduce the overall premium. However, it's important to strike a balance and ensure the excess or co-payment is manageable for your family's financial situation.
  • Optional Add-ons: Many insurers offer optional add-ons, such as dental and optical coverage, alternative therapies, or international coverage. While these can enhance your policy, they will also increase the premium.
While cost is an important consideration, it's crucial to strike the right balance between affordability and comprehensive coverage tailored to your family's specific needs. Skimping on essential coverage to save a few pounds may prove costlier in the long run.

Choosing the Best Family Health Insurance Provider

At WeCovr, we understand that selecting the right family health insurance provider is a critical decision. Our team of experienced advisors will guide you through the process, taking into account factors such as customer reviews, product comprehensiveness, pricing, and independent ratings from organisations like Defaqto.
We work with a diverse range of reputable insurers, including Bupa, Aviva, AXA PPP, Vitality, The Exeter, WPA, and Freedom Health Insurance, to ensure we can provide you with a tailored solution that meets your family's unique requirements.


Bupa is a household name in the health insurance industry, with a global presence and over 17 million customers worldwide. They have consistently received excellent customer satisfaction ratings, with a Trustpilot score of 4.3 out of 5 based on over 9,500 reviews. Their comprehensive family health insurance product, "Bupa by You Comprehensive," has received a five-star Defaqto rating, confirming its position as one of the best products on the market.
Bupa's offering is highly flexible, allowing you to configure your policy according to your family's specific needs. Additionally, they offer a 10% discount for families who opt for a joint policy rather than individual ones, making their plans even more affordable.


As the largest insurer in the UK, Aviva is a name that many households are familiar with. Aviva has garnered a Trustpilot score of 4 out of 5 from over 34,000 reviews, reflecting their commitment to exceptional customer service. Aviva's flagship health insurance product, "Healthier Solutions," has received a five-star Defaqto rating, cementing its position as a top-tier offering.
Aviva has received numerous awards for their health insurance products, which are a key part of their portfolio. Their commitment to innovation and customer satisfaction makes them a strong contender for families seeking comprehensive healthcare coverage.

AXA Health

AXA Health is another well-known name in the insurance industry, providing a wide range of services to consumers and businesses alike. With an impressive 4.2 out of 5 rating on Feefo based on over 10,000 reviews, AXA Health has demonstrated its ability to deliver exceptional customer service on a large scale.
Their flagship health insurance product, "AXA Personal Health," received a five-star Defaqto rating in 2022, solidifying its place as one of the best options for families, individuals, and businesses. At WeCovr, we often find that AXA health insurance policies are an excellent fit for many families we work with, thanks to their competitive pricing and comprehensive coverage.


Vitality stands out for its innovative approach to health and life insurance, rewarding individuals and families for living healthier lifestyles. Their unique "Vitality" program has been revolutionary in the market, inspiring many other providers to follow suit and offer additional benefits and perks for adopting a healthy lifestyle.
With a Trustpilot score of 4.2 out of 5 based on over 39,000 customer reviews, Vitality has demonstrated its ability to consistently deliver high-quality customer service on a massive scale. Their top health insurance product, "Personal Healthcare," has received a five-star Defaqto rating, further solidifying its position as a top choice for families.
Vitality tends to be an excellent choice for active families who value additional perks like discounted gym memberships and even free gadgets. At WeCovr, we have successfully placed many families with Vitality over the years, and they have consistently expressed satisfaction with the service and pricing they've received.

The Exeter

While perhaps a lesser-known name on our list of top insurers, The Exeter deserves its place due to the satisfaction of its customers. With a Trustpilot score of 4.1 out of 5 based on over 810 reviews, they have demonstrated their commitment to delivering exceptional service.
Importantly, The Exeter's comprehensive family health insurance product, "Health+," has received a five-star Defaqto rating, confirming its place among the other top contenders in this guide. Like the other providers we've discussed, The Exeter allows you and your family to extensively customise your policy to fit your exact requirements.
In terms of pricing, The Exeter is consistently competitive, often appearing at the top of our searches for family health insurance quotes.
At WeCovr, we recognise that each family has unique circumstances and requirements, which is why we take a personalised approach to recommending the best health insurance provider and policy for your specific needs.

Getting the Right Coverage for Your Family

Choosing the right family health insurance policy involves carefully considering your family's healthcare needs and priorities. Here are some key factors to consider:
  • Access to Quicker Diagnosis: If you're keen to avoid potential delays in being assessed through the NHS, consider a more comprehensive policy that includes outpatient diagnostics and consultations. This can ensure you receive a timely diagnosis and appropriate treatment plan.
  • Hospital and Treatment Preferences: Every provider and policy will have a different list of hospitals and treatments available. Consider which private hospitals are conveniently located near you and ensure they are included in your chosen policy. If you have specific treatment preferences or requirements, make sure they are covered as well.
  • Coverage for Specific Illnesses or Drugs: If your family has a predisposition to certain medical conditions or requires access to specific drugs or treatments, ensure that these are covered under your chosen policy. Discuss any concerns or special requirements with our advisors to ensure you receive adequate coverage.
  • Affordability Today and in the Future: While finding an affordable policy is important, it's also crucial to consider the long-term affordability of your chosen plan. Premiums typically rise as you and your family age, so it's essential to choose a policy that will remain within your budget for years to come.
At WeCovr, our advisors will work closely with you to understand your family's unique healthcare needs and budget constraints. We'll then provide tailored recommendations and guide you through the process of selecting the most suitable family health insurance policy.

Additional Services and Support from WeCovr

At WeCovr, our commitment to your family's well-being extends beyond simply finding the right health insurance policy. We offer a range of additional services and support to ensure a seamless and stress-free experience:
  • Underwriting Guidance: Navigating the different underwriting options (moratorium, full medical underwriting, continued moratorium underwriting, and continued personal medical exclusions) can be complex. Our advisors will guide you through the process, explaining the implications of each option and helping you make an informed decision based on your family's medical history and circumstances.
  • Policy Management and Renewals: Once you've chosen your family health insurance policy, our team will handle the entire policy management process, ensuring a smooth transition and timely renewals. We'll also keep you informed of any changes or updates that may affect your coverage.
  • Claims Assistance: If you ever need to make a claim, our advisors will be there to guide you through the process, ensuring you understand your policy's coverage and helping you navigate any potential complexities.
  • Regular Policy Reviews: As your family's healthcare needs and circumstances evolve over time, our advisors will conduct regular policy reviews to ensure your coverage remains relevant and cost-effective. We'll recommend any necessary adjustments or explore alternative options to keep your family's healthcare needs fully met.
  • Continuous Support: At WeCovr, we pride ourselves on building long-lasting relationships with our clients. Our advisors will be available to address any questions or concerns you may have throughout the lifetime of your policy, providing continuous support and guidance.

Get Professional Advice from WeCovr

Navigating the complexities of family health insurance can be overwhelming, but you don't have to go through it alone. At WeCovr, our team of knowledgeable advisors is dedicated to providing you with impartial guidance and personalised recommendations.
Contact us today to schedule a consultation, and let us help you find the perfect family health insurance plan that provides comprehensive coverage, peace of mind, and the assurance that your loved ones will receive the best possible care.
Remember, at WeCovr, your family's health and well-being are our top priorities. Let our expert advisers help you arrange a private health insurance policy for your family.

Why get private health insurance?

Health insurance allows you get back on your feet quicker:

✅ Avoid long NHS waiting lists of many weeks and get treated faster with private medical insurance, which can be really important for a successful recovery
✅ Get early diagnosis so you can get the treatment you need right away done privately
✅ Business owners can save on their tax bill with private medical insurance
✅ You are free to choose your surgeon or hospital to suit your needs by place and time
✅ You often get a private room with better facilities for your treatment or surgery
✅ With private medical health insurance you gain access to advanced treatments not available on the NHS

Benefits offered by private health insurance

Private medical health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You just pay an affordable monthly premium that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

Our mission is to put you in touch with not only the best, but the most suitable private medical health insurance companies. With even more risk on the rise for personal health today, it makes more sense than ever to have private medical health insurance cover.

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

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 increasing numbers of individuals and families opt for PMI insurance

👉 We insure our cars, houses, bicycles and even bags! Yet our health is one the most precious things we have.

People buy life, critical illness and private medical health insurance for a variety of reasons – easily one of the most important insurance purchases an individual or family can make in their lifetime. PMI insurance is still seen as a luxury in the UK. Indeed, only around 11% of the population has private medical insurance. However, an increasing number of people are taking out private medical insurance due to a number of reasons:
  • Avoid NHS waiting lists and be treated more quickly
  • Faster diagnosis (comprehensive cover)
  • More access to latest cancer drugs and treatments, some of which may be unavailable on the NHS
  • Greater choice over where and when your treatment takes place
  • Have a private room should you need treatment in hospital
Our experienced FCA-authorised insurance partner experts are ready to provide you with a FREE Consultation.

👍 Simply get your affordable private medical health insurance plan in place for the necessary peace of mind! Just tap or click the button below to book a FREE call now! 👇

Compare private medical health insurance plans suitable for your circumstances from these insurers and more

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1. Complete a brief form

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Any questions?

Do I need Private Medical Insurance if I have Life Insurance?

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.

Are Pre-existing Medical Conditions Covered?

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.

Why Do I Need Private Medical Insurance?

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.

How Much Does It Really Cost?

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.

Isn't NHS Treatment and Coverage Enough?

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.

Why Do I Need to Speak to Someone?

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.

Are Your Insurance Partners Trustworthy?

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!

How Do You Make Money If the Quotes Are Free to Get?

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.

How Much Is Private Health Insurance?

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.

How Does Private Health Insurance Work?

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.

What Does Health Insurance Cover?

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.

Can I Pay Extra to Have a Pre-existing Condition Covered?

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.

When Will My Health Insurance Policy Start?

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.

Will I Need an Excess on My Private Health Insurance Policy?

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.

How Can I Reduce the Cost of Health Insurance?

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.

Is There an Age Limit for Private Medical Insurance?

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.

How Can I Compare Health Insurance Plans?

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.

Can I Add Other People Onto My Health Insurance Policy?

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.

Can I Use Health Insurance Abroad?

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.

What is Comprehensive Cover?

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.

Does Health Insurance Cover Dental Treatment?

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.

Does Health Insurance Cover Cancer?

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.

Can I Change My Cover Once I Have Signed Up?

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.

How Quickly Can I Get an Appointment with a Private GP?

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

Can Each Person on My Policy Have Different Options of Cover?

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

Are There Different Levels of Cover?

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

Where Can I Find Out More About Hospitals or Treatment Providers?

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.

What Does Fee Assured Mean?

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

Does Health Insurance Cover Mental Health?

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

Can I Cover My Children as Well?

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

Will the Cost Go Up Every Year?

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

How Much Does Health Insurance Cost?

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.

What's the Difference Between Health Insurance and NHS?

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

Does Health Insurance Cover Physiotherapy?

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

Can I Use My Cover Straight Away?

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

How Can I Get a Quote?

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.

What Does Health Insurance Cover and What Can't It Cover?

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

How Does Health Insurance Work?

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

What is Outpatient Cover?

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

Can I Use My Health Insurance Cover Immediately?

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.

Does Health Insurance Cover A&E (Accident and Emergency)?

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.

Are There Any Rewards for Being a PMI Plan Holder?

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.

I'm Leaving My Job and Have Health Insurance with Them, What Do I Do?

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.

How Do I Get a Quote After I've Left My Job?

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.

If I Continue My Health Insurance After I've Left My Job, Will My New Cover Be the Same as Before?

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.

If I Continue My Health Insurance After I Left My Job, Will the Price for My New Cover Be the Same?

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.

How Long Do I Have After Leaving My Job to Decide to Stay with My Insurer?

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.

What Do I Need Before Asking About Continuing My Cover After I've Left My Job?

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

I've Ongoing Treatment But I'm Leaving My Work Health Insurance Policy, Can I Still Have Treatment?

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.

When And How Do I Pay My Excess?

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

Do I Pay an Excess for Using Services Like Digital GP?

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

Can I Change My Excess Partway Through the Year?

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

What is a No Claims Discount?

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

Can I Pay Extra to Have a Pre-existing Condition Covered?

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

What is Full Medical Underwriting?

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

What is Moratorium Underwriting?

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

Will My Claim Take Longer If I Have Moratorium Underwriting?

Claims may require additional information if under moratorium underwriting.

What is a Pre-existing Condition?

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.

Is An Annual Review Of My Health Insurance Necessary?

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.

Are There Age Restrictions For Health Insurance?

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.

Is It More Cost-Effective To Pay For Health Insurance Monthly Or Annually?

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.

Do I Need Private Health Insurance If My Employer Provides Coverage?

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.

Is A Medical Exam Required To Get Coverage?

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.

Do I Need A GP Referral To Go Private?

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.

How Much Quicker Can I Get A GP Appointment With Private Medical Insurance?

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.

What's The Difference Between Inpatient And Outpatient Care?

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.

What's The Difference Between Health Insurance And Critical Illness Cover?

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.

Will My Policy Cover Me Outside Of The UK?

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.

How Are Health Insurance Premiums Taxed? Are They Tax Deductible?

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.

How Does The Excess Work?

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.

What Is The Difference Between Full Medical And Moratorium Underwriting?

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.

Can I Get A No-Claims Discount On My Private Health Insurance?

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.

How Can I Find The Best UK Private Health Insurance For Me?

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.

Do I Need a GP Referral for Private Medical Treatment?

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.

Can I Get Finance for a Loan for Surgery?

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.

How Much Does Private Medical Insurance Cost in the UK?

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

Can I Go Private and Then Return to the NHS?

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.

Is Private Healthcare Better than the NHS?

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.

Can I Self-Refer to a Private Consultant?

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.

Will the NHS Accept a Private Diagnosis?

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 about private health insurance


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The guidance contained within the website is subject to the UK regulatory regime and is therefore targeted at customers in the UK. A FCA regulated expert will contact you after you submit your details to discuss further. WeCovr is a trading style of Political And Credit Risks Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 735613.