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Fast Track PMI Quicker Treatment Paths

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 18, 2026
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TL;DR

With extensive experience in the UK's health insurance market, WeCovr helps customers navigate private medical insurance options. As an FCA-authorised broker that has helped arrange over 900,000 policies of various types, we provide expert, impartial advice to help you find the right private health cover for your needs. Policies, providers, and hospital networks prioritising rapid care for UK customers In an era where time is a precious commodity, waiting for medical treatment can be a source of significant anxiety.

Key takeaways

  • The Initial Consultation (GP Visit): Your journey almost always begins with your NHS GP. You notice a new symptom—perhaps a persistent pain in your knee or a worrying skin lesion—and you book an appointment. Your GP assesses you and agrees that you need to see a specialist.
  • The Open Referral: Instead of placing you on a long NHS waiting list for a specific consultant, your GP provides you with an 'open referral' letter. This letter details your symptoms and recommends the type of specialist you need to see (e.g., an orthopaedic surgeon, a dermatologist), but it doesn't name a specific individual.
  • Contacting Your Insurer: With the open referral in hand, you call your PMI provider's claims line. You'll provide your policy number and details of the referral. This is the moment your private healthcare journey activates.
  • Specialist Selection & Appointment: Your insurer will use the open referral to find a suitable, fee-approved specialist from within their network. They often provide you with a choice of two or three consultants who have immediate availability. In many cases, you can have an appointment scheduled within days, not months.
  • Diagnosis & Tests: You attend the private consultation. The specialist may require diagnostic tests like an MRI scan, CT scan, or blood tests to confirm a diagnosis. Your insurer will pre-authorise these tests, and they are typically carried out within a few days at a private hospital or clinic.

With extensive experience in the UK's health insurance market, WeCovr helps customers navigate private medical insurance options. As an FCA-authorised broker that has helped arrange over 900,000 policies of various types, we provide expert, impartial advice to help you find the right private health cover for your needs.

Policies, providers, and hospital networks prioritising rapid care for UK customers

In an era where time is a precious commodity, waiting for medical treatment can be a source of significant anxiety. With NHS waiting lists in the UK reaching record levels, many are turning to private medical insurance (PMI) not just for choice, but for speed. The promise of "fast track" access to diagnosis and treatment is a primary driver for a growing number of individuals, families, and businesses.

This comprehensive guide explores the landscape of fast-track PMI in the UK. We'll demystify the policies, compare the leading providers, and explain how hospital networks play a crucial role in delivering the rapid care you expect. Our goal is to equip you with the knowledge to make an informed decision, ensuring you can access high-quality healthcare precisely when you need it most.

Understanding 'Fast Track' in UK Private Medical Insurance

The term 'fast track' isn't an official industry label, but rather a concept that encapsulates the core benefit of private health cover: speed. At its heart, it means bypassing the lengthy waiting lists often associated with non-urgent NHS services.

According to the latest NHS England data, millions of people are on waiting lists for consultant-led elective care. A significant number of these patients wait for many months, and sometimes over a year, for routine procedures like hip replacements or cataract surgery.

Fast-track PMI provides a direct alternative. It's designed to work in parallel with the NHS, offering a pathway to prompt diagnosis and private treatment for acute conditions—illnesses or injuries that are curable and likely to respond quickly to treatment.

A Critical Point on Coverage: It is essential to understand that standard UK private medical insurance is designed for acute conditions that arise after your policy begins. It does not cover pre-existing conditions (ailments for which you have had symptoms, medication, or advice in the years before taking out the policy) or chronic conditions (long-term illnesses like diabetes, asthma, or hypertension that require ongoing management rather than a cure).

How Does a Fast Track PMI Journey Typically Work?

While the exact process can vary slightly between insurers, the patient journey for accessing fast-track care generally follows a clear, efficient path.

  1. The Initial Consultation (GP Visit): Your journey almost always begins with your NHS GP. You notice a new symptom—perhaps a persistent pain in your knee or a worrying skin lesion—and you book an appointment. Your GP assesses you and agrees that you need to see a specialist.

  2. The Open Referral: Instead of placing you on a long NHS waiting list for a specific consultant, your GP provides you with an 'open referral' letter. This letter details your symptoms and recommends the type of specialist you need to see (e.g., an orthopaedic surgeon, a dermatologist), but it doesn't name a specific individual.

  3. Contacting Your Insurer: With the open referral in hand, you call your PMI provider's claims line. You'll provide your policy number and details of the referral. This is the moment your private healthcare journey activates.

  4. Specialist Selection & Appointment: Your insurer will use the open referral to find a suitable, fee-approved specialist from within their network. They often provide you with a choice of two or three consultants who have immediate availability. In many cases, you can have an appointment scheduled within days, not months.

  5. Diagnosis & Tests: You attend the private consultation. The specialist may require diagnostic tests like an MRI scan, CT scan, or blood tests to confirm a diagnosis. Your insurer will pre-authorise these tests, and they are typically carried out within a few days at a private hospital or clinic.

  6. Treatment Authorisation: Once a diagnosis is made and a course of treatment for your acute condition is recommended (e.g., knee surgery), the consultant's office sends the details and costs to your insurer. The insurer reviews the proposed treatment against your policy's terms and provides authorisation.

  7. Private Treatment: You are admitted to a private hospital from your chosen hospital list for the procedure. You'll benefit from a private room, flexible visiting hours, and a dedicated clinical team.

  8. Aftercare and Recovery: Your policy will typically cover post-operative care, including a follow-up consultation with your specialist and often a set number of physiotherapy sessions to aid your recovery.

This entire process, from GP referral to treatment, can often be completed in a matter of weeks, representing a stark contrast to the potential year-long waits for some procedures on the NHS.

Key Policy Features That Accelerate Your Care

Not all PMI policies are created equal when it comes to speed. Certain features are specifically designed to streamline your access to healthcare. When comparing policies, look out for these key elements.

FeatureDescriptionHow It Speeds Up Care
Open ReferralYour GP recommends a type of specialist, not a specific person. Your insurer then finds an available, approved consultant for you.Dramatically cuts waiting time by finding the first available expert, rather than waiting for a specific, in-demand consultant.
Digital GP ServicesAccess to a GP via video call or phone, often 24/7. These services can issue prescriptions and make private referrals.Allows you to bypass waits for an NHS GP appointment. You can get a referral for a specialist within hours, day or night.
Direct AccessFor certain conditions (e.g., musculoskeletal issues, mental health), some policies let you bypass the GP and go straight to a specialist service.Removes the GP appointment step entirely for specific pathways, such as booking physiotherapy sessions directly after an injury.
Fast-Track Cancer CoverA specific benefit that ensures if cancer is suspected, you are seen by a specialist and receive diagnostic tests extremely quickly.Provides peace of mind and ensures rapid diagnosis and treatment for one of the most worrying health concerns.
Mental Health PathwayStructured access to therapists, counsellors, or psychiatrists, often after a simple online or phone assessment.Reduces waiting times for crucial mental health support, which can be extensive through public services.

These features are the engine room of a fast-track policy. Providers like AXA Health and Bupa have pioneered many of these services, integrating digital technology to make the user experience as seamless as possible.

Leading UK PMI Providers and Their Fast-Track Options

The UK's private medical insurance market is dominated by a few key players, each offering a unique approach to rapid care. Navigating their different products and features can be complex, which is why working with an expert broker like WeCovr can be invaluable. We provide impartial comparisons to find the policy that best fits your needs and budget, at no extra cost to you.

Here's a look at what the leading providers offer:

1. Bupa

A household name in UK healthcare, Bupa places a strong emphasis on direct access and comprehensive cancer care.

  • Direct Access: Bupa's members can often bypass their GP for cancer, mental health, and musculoskeletal conditions (like joint or back pain). You can speak directly to a specialist team to get your claim started.
  • Fast Cancer Care: If your GP suspects cancer, Bupa ensures you see a specialist within days and that any required treatment is started promptly. They cover a wide range of cancer drugs and treatments, often including those not yet available on the NHS.
  • Digital GP: Bupa provides access to their 'Babylon Digital GP' service, allowing for 24/7 video consultations and fast referrals.

2. AXA Health

AXA Health is known for its modern, flexible approach and strong focus on member support through its 'Personalised Care' ethos.

  • Fast Track Appointments: AXA's 'Fast Track Appointments' service, when used with an open referral, is a core feature. They will find and book an appointment with a fee-approved specialist for you, often within three working days.
  • Expert Help Team: AXA's clinical support team can provide guidance and information over the phone, helping you understand your diagnosis and treatment options.
  • Strong Mental Health Support: They offer a dedicated pathway for mental health, providing quick access to counsellors and therapists.

3. Aviva

Aviva offers a solid, reputable service with a strong digital offering and a clear, structured approach to claims.

  • Aviva Digital GP: Provided by Square Health, this app gives you around-the-clock GP access, repeat prescriptions, and open referrals.
  • 'Expert Select' Option: This is Aviva's version of the open referral pathway. You give them your open referral, and they offer you a choice of up to five specialists and book the appointment for you. This option often comes with a small discount on your premium.
  • Comprehensive Cancer Cover: Their "Cancer Pledge" promises to cover all eligible cancer treatment costs once authorised, with no time or financial limits.

4. Vitality

Vitality stands out with its unique wellness-focused model, actively rewarding members for living a healthy lifestyle.

  • Vitality GP: An app-based service for video consultations, medical advice, and referrals.
  • Advanced Cancer Cover: Includes not just treatment but also a focus on screening and prevention, rewarding members for taking preventative steps.
  • The Vitality Programme: While not a direct "fast track" feature, the programme encourages healthy habits (tracking activity, healthy eating). By staying healthy, members can reduce their long-term need for medical intervention and earn rewards, including lower premiums.

Provider Feature Comparison

ProviderKey Fast-Track FeatureDigital GPDirect Access For:
BupaDirect AccessYes (Babylon)Cancer, Mental Health, Musculoskeletal
AXA HealthFast Track AppointmentsYes (Doctor@Hand)Mental Health (via clinical support)
AvivaExpert SelectYes (Square Health)Physiotherapy (on some plans)
VitalityVitality GP & RewardsYes (Vitality GP)Physiotherapy, Mental Health (via partner services)

The Crucial Role of Hospital Networks

A key factor influencing the speed and quality of your care is your policy's 'hospital list' or 'network'. This is the list of private hospitals and clinics where you are covered for treatment. Insurers negotiate fees with hospital groups (like Spire, Nuffield Health, and HCA Healthcare), and your choice of network directly impacts your premium.

Understanding the different tiers is vital:

Hospital Network TierDescriptionBest ForImpact on Premium
Local/Limited NetworkCovers a curated list of hospitals in your local area, often excluding expensive central London facilities.Individuals on a tighter budget who are happy with good local private options.Lowest premium.
National NetworkProvides access to a wide range of private hospitals across the UK, including most major hospital groups.People who want broad choice and may travel for work, ensuring they are covered nationwide.Mid-range premium.
Premium / Extended NetworkIncludes all hospitals on the national list plus the most prestigious and expensive hospitals, typically in Central London (e.g., The London Clinic, The Lister Hospital).Those who want unrestricted access to the UK's leading specialists and facilities, regardless of cost or location.Highest premium.

How does this affect speed? A broader network gives your insurer more options when finding an available specialist. If the top knee surgeon at your local hospital has a three-week wait, but an equally qualified one at a hospital 30 miles away (but still in your network) can see you in three days, a national network gives you that flexibility. A limited local list might mean you have to wait for the local specialist to become available.

Beyond Treatment: Wellness, Health, and Prevention

Modern private medical insurance is evolving. Insurers recognise that it's better to help customers stay healthy than to only pay for treatment when they fall ill. This has led to a surge in wellness benefits designed to support your physical and mental wellbeing.

  • Diet and Nutrition: Many insurers offer access to nutritional advice and even discounts on healthy food. As a WeCovr customer, you also get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to help you manage your diet effectively.
  • Physical Activity: Vitality is the market leader here, rewarding members with cinema tickets, coffee, and even Apple Watches for staying active. Other providers offer discounts on gym memberships and fitness trackers.
  • Sleep and Mental Resilience: With growing awareness of the importance of mental health, insurers are providing access to mindfulness apps (like Headspace), stress-management webinars, and confidential support lines. Getting 7-9 hours of quality sleep per night is one of the most powerful things you can do for your long-term health, and these resources can help.

By bundling PMI with other types of cover through WeCovr, such as life insurance, you can often unlock further discounts, making a comprehensive protection package more affordable. Our high customer satisfaction ratings are a testament to our commitment to finding you the best value and service.

Real-Life Scenarios: When Fast Track PMI Makes a Difference

Let's look at two hypothetical examples to see how this works in practice.

Scenario 1: Sarah's Knee Injury

  • The Problem: Sarah, a 45-year-old marketing manager and keen runner, develops a sharp pain in her right knee. Her NHS GP suspects a torn meniscus and refers her for an orthopaedic consultation. The NHS waiting time for this is currently 40 weeks in her area.
  • The PMI Path: Sarah has a PMI policy with AXA Health. She calls them with her open referral. AXA's Fast Track Appointments team finds a specialist who can see her in four days. An MRI scan is booked for two days after that, confirming the diagnosis. Surgery is scheduled for the following week at a private Nuffield Health hospital.
  • The Outcome: From GP visit to surgery, the process takes less than three weeks. Her policy also covers six sessions of physiotherapy, getting her back on the road to recovery quickly.

Scenario 2: David's Worrying Symptoms

  • The Problem: David, 62, has a family history of bowel cancer and is concerned about some new symptoms. His GP agrees a colonoscopy is needed, but the non-urgent waiting list is over six months.
  • The PMI Path: David has Bupa's comprehensive cancer cover. He calls their Direct Access cancer line. Bupa arranges a consultation with a gastroenterologist within the week. The colonoscopy is performed three days later. Thankfully, the results are all-clear, showing only minor inflammation.
  • The Outcome: David gets peace of mind in under two weeks. The speed of the process significantly reduces his anxiety and allows him to get back to his life without a long, stressful wait.

How to Choose the Right Fast Track PMI Policy

Choosing a policy can feel overwhelming. Here's a structured approach to finding the right fit for you.

  1. Assess Your Needs and Priorities:

    • What is your main reason for wanting PMI? (Speed, choice, cancer cover?)
    • Do you have a family to cover?
    • Is mental health support important to you?
    • How important are wellness benefits and rewards?

  2. Set a Realistic Budget:

    • Premiums can range from £40 per month to over £200, depending on age, location, cover level, and underwriting.
    • Consider how much excess you're willing to pay. A higher excess (the amount you pay towards a claim) will lower your monthly premium.

  3. Compare Key Policy Features:

    • Underwriting: Will you choose 'Moratorium' (simpler application, but automatically excludes recent pre-existing conditions) or 'Full Medical Underwriting' (longer application where you declare your history, which may allow some conditions to be covered)?
    • Outpatient Cover: How much cover do you want for consultations and diagnostic tests? A lower limit will reduce the cost.
    • Hospital List: Which network tier suits your needs and budget?
    • Therapies: Does the policy include the number of physiotherapy or osteopathy sessions you might want?

  4. Seek Expert Advice: This is where a specialist broker adds immense value. Instead of spending hours trying to compare complex policy documents yourself, an independent broker like WeCovr does the hard work for you. We listen to your needs, compare the top UK providers on a like-for-like basis, and present you with the best options. Our service is completely free to you, and we can often find better deals than going direct.

In the end, the "best" private medical insurance UK policy is the one that provides the right level of cover for your unique circumstances, at a price you can afford, from a provider you trust. Prioritising fast-track features ensures that when you need to use your policy, it delivers the speed and peace of mind you paid for.

Can I use private medical insurance for a condition I already have?

No, standard UK private medical insurance (PMI) is designed to cover new, acute conditions that arise after your policy starts. It does not cover pre-existing conditions, which are any illnesses or injuries you have had symptoms or treatment for in the years before taking out the policy. It also does not cover chronic conditions that require long-term management, such as diabetes or asthma.

Do I always need a GP referral to use my private health cover?

Traditionally, a GP referral has always been the first step. However, many modern policies now include 'Direct Access' or 'Digital GP' services. These features allow you to bypass your NHS GP for certain conditions, such as musculoskeletal issues (like back pain), mental health support, or even for suspected cancer symptoms with some providers. This significantly speeds up the process of getting specialist care.

What is the difference between a 'named referral' and an 'open referral'?

A 'named referral' is when your GP refers you to a specific, named consultant. This can lead to delays if that particular specialist has a long waiting list. An 'open referral', which is preferred by insurers for fast-track pathways, is when your GP recommends the type of specialist you need to see (e.g., a cardiologist) but does not name an individual. This gives your insurer the flexibility to find the first available, fee-approved specialist in their network, which is much faster.

Ready to explore your options for faster healthcare? The expert team at WeCovr is here to help. Get your free, no-obligation quote today and let us compare the UK's leading private health insurance providers to find the perfect policy for you.

Sources

  • NHS England: Waiting times and referral-to-treatment statistics.
  • Office for National Statistics (ONS): Health, mortality, and workforce data.
  • NICE: Clinical guidance and technology appraisals.
  • Care Quality Commission (CQC): Provider quality and inspection reports.
  • UK Health Security Agency (UKHSA): Public health surveillance reports.
  • Association of British Insurers (ABI): Health and protection market publications.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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