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Female Infertility Private Testing

Female Infertility Private Testing 2026

As an FCA-authorised expert that has helped arrange over 900,000 policies, WeCovr understands the sensitive and often stressful journey of investigating infertility. This guide explores female infertility testing in the UK, explaining how private medical insurance works and what your options are for private care and treatment.

WeCovr explains infertility tests and private treatment options

Facing challenges with conception can be an emotional and confusing time. For many women and couples in the UK, the path to understanding why can feel long and uncertain. While the NHS provides excellent care, waiting times and eligibility criteria can lead many to explore private healthcare options for faster answers and more control.

This comprehensive guide will walk you through everything you need to know about private female infertility testing and treatment. We'll cover the differences between the NHS and private routes, detail the specific tests you might encounter, explain treatment options, and clarify the crucial role of private medical insurance.

What is Female Infertility?

Infertility is defined by the NHS as not being able to get pregnant despite having regular, unprotected sex. It's a common issue, affecting approximately 1 in 7 heterosexual couples in the UK.

While conversations often focus on female fertility, it's important to remember that difficulties can arise from male factors, female factors, a combination of both, or be "unexplained".

Common Causes of Female Infertility:

  • Ovulation Disorders: Conditions like Polycystic Ovary Syndrome (PCOS), which affects about 1 in 10 women in the UK, can disrupt or prevent the regular release of an egg.
  • Fallopian Tube Damage: Blockages or damage, often caused by pelvic inflammatory disease (PID), previous surgery, or endometriosis, can prevent the egg from meeting the sperm.
  • Endometriosis: A condition where tissue similar to the lining of the womb grows elsewhere, such as the ovaries and fallopian tubes, potentially causing blockages and inflammation.
  • Uterine or Cervical Causes: Issues like fibroids (non-cancerous growths) or abnormalities in the shape of the uterus can interfere with implantation.
  • Age: A woman's fertility naturally declines with age, particularly after 35, as the quantity and quality of her eggs decrease.
  • Unexplained Infertility: In around 25% of cases, a clear cause for infertility cannot be found in either partner after thorough investigation.

The NHS Pathway vs. The Private Route: A Comparison

Deciding whether to use the NHS or go private is a significant choice. Both have their pros and cons, and the right path depends on your personal circumstances, finances, and urgency.

FeatureNHS PathwayPrivate Route
Starting PointAppointment with your GP.Self-referral directly to a private fertility clinic.
Waiting TimesCan be lengthy. Waiting for initial tests can take months, and referral to a specialist longer.Much shorter. Initial consultations often available within weeks.
CostFree at the point of use for investigations and some treatments.You pay for all consultations, tests, and treatments.
EligibilityStrict criteria for IVF treatment (the "postcode lottery") based on age, BMI, smoking status, and existing children.Generally no strict eligibility criteria, though clinics have their own age and health guidelines.
Choice & ControlLimited choice of hospital or clinic. You follow a set pathway.Full choice of clinic, specialist, and often the timing of your appointments and treatment cycles.
Access to TechnologyAccess to standard, proven treatments.Often quicker access to the very latest technologies and add-on treatments (though their effectiveness can be debated).

For many, the primary driver for going private is speed. The emotional toll of waiting for answers can be immense, and the private sector offers a way to bypass NHS queues and begin investigations immediately.

Understanding Private Infertility Tests

If you choose the private route, your journey will typically start with an initial consultation with a fertility specialist. They will take a detailed medical history and recommend a series of tests to build a complete picture of your reproductive health.

Here are the most common private infertility tests for women:

Test NameWhat It Checks ForHow It WorksEstimated Private Cost
Initial ConsultationOverall health, medical history, and lifestyle factors.A detailed discussion with a fertility consultant.£200 - £350
Hormone Blood TestsOvarian reserve (egg supply), ovulation, and hormonal imbalances.A simple blood sample, often taken on specific days of your menstrual cycle.£300 - £600 (for a full panel)
Pelvic Ultrasound ScanThe health of the uterus, ovaries, and fallopian tubes.A transvaginal ultrasound probe is used to get a clear image of the reproductive organs.£200 - £400
Hysterosalpingogram (HSG)Blockages in the fallopian tubes.A special dye is passed through the cervix and an X-ray is taken to see if it flows freely through the tubes.£400 - £700
LaparoscopyEndometriosis, scar tissue, fibroids, and other abnormalities.A keyhole surgical procedure performed under general anaesthetic to directly view the pelvic organs.£3,000 - £5,000+

A Closer Look at the Key Tests

1. Hormone Blood Tests: These are fundamental. Your specialist will likely check:

  • Follicle-Stimulating Hormone (FSH): High levels can indicate a diminishing egg supply.
  • Luteinising Hormone (LH): A surge in LH triggers ovulation.
  • Anti-Müllerian Hormone (AMH): This is a key indicator of your "ovarian reserve," or the number of eggs you have left. A very low AMH can suggest a reduced egg count.
  • Progesterone: A blood test taken about 7 days before your period is due can confirm whether ovulation has occurred.
  • Thyroid Function & Prolactin: Imbalances in these can also interfere with your cycle.

2. Pelvic Ultrasound Scan: This painless scan allows the doctor to check for physical issues. They will look at:

  • The lining of your womb (endometrium) to see if it's thick enough for an embryo to implant.
  • The presence of fibroids or polyps inside the uterus.
  • Your ovaries, to check for cysts (like those in PCOS) and to perform an "antral follicle count," another way to estimate your ovarian reserve.

3. Hysterosalpingogram (HSG): While it can be uncomfortable, an HSG provides vital information. If the fallopian tubes are blocked, the egg and sperm cannot meet. This test reveals whether that pathway is clear. Some women report a slight increase in fertility in the months after an HSG, possibly because the procedure helps to flush out minor debris from the tubes.

4. Laparoscopy: This is a more invasive procedure and is usually only recommended if other tests are inconclusive or if conditions like severe endometriosis are suspected. It is the "gold standard" for diagnosing endometriosis because it allows the surgeon to see the pelvic cavity directly.

The Big Question: Does Private Medical Insurance Cover Infertility?

This is one of the most common and important questions we get at WeCovr. The answer requires understanding a fundamental principle of private medical insurance in the UK.

Crucial Point: Standard UK private medical insurance (PMI) is designed to cover the diagnosis and treatment of acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.

Infertility and its underlying causes (like PCOS or endometriosis) are often classified as chronic conditions—long-term conditions that cannot be cured, only managed. As a rule, PMI policies do not cover the management or treatment of chronic conditions.

Furthermore, most policies have specific exclusions for fertility treatment.

The Investigation vs. Treatment Distinction

Here is the key nuance you must understand:

  • Investigation (Sometimes Covered): Many private health cover policies will cover the initial diagnostic tests to find out why you are not conceiving. If you present to a GP with symptoms like pelvic pain or irregular periods, your PMI may cover the referral to a private gynaecologist and the subsequent investigations (like ultrasounds, blood tests, or even a laparoscopy) up to the point where a diagnosis is made.

  • Treatment (Almost Never Covered): Once infertility is diagnosed, the actual treatment to help you conceive—such as IVF, IUI, or ovulation induction—is almost universally excluded from standard PMI policies.

A Real-Life Example:

Sarah, 32, has been trying to conceive for over a year and has been experiencing painful periods. Her PMI policy covers a private referral to a gynaecologist. The consultant recommends a laparoscopy to investigate the pain. The surgery is covered by her insurance, and she is diagnosed with endometriosis. The investigation was covered.

However, the consultant then recommends IVF as the best path to conception due to the endometriosis. The IVF treatment itself is not covered by her PMI policy, and Sarah would need to fund this privately.

Navigating the small print of an insurance policy can be tricky. As an expert PMI broker, WeCovr can help you understand exactly what is and isn't covered for gynaecological investigations under different policies, ensuring there are no surprises.

Private Infertility Treatment Options and Costs

If investigations reveal a need for treatment, the private sector offers a range of options. The cost can vary significantly depending on the clinic, location, and complexity of the treatment.

TreatmentDescriptionGood For...Estimated Private Cost (per cycle)
Ovulation InductionUsing medication (like Clomifene or Letrozole) to stimulate the ovaries to release one or more eggs.Women with ovulation disorders like PCOS.£800 - £1,500
Intrauterine Insemination (IUI)Specially prepared sperm is placed directly into the uterus at the time of ovulation.Unexplained infertility, minor male factor issues, or use of donor sperm.£1,000 - £2,000
In Vitro Fertilisation (IVF)Eggs are collected from the ovaries and fertilised with sperm in a lab. The resulting embryo is then transferred back to the uterus.Blocked tubes, endometriosis, older age, male factor infertility, unexplained infertility.£5,000 - £8,000+
Intracytoplasmic Sperm Injection (ICSI)A variation of IVF where a single sperm is injected directly into an egg.Severe male factor infertility.Additional £1,200 - £1,800 on top of IVF cost.
Egg DonationUsing eggs from a donor, which are then fertilised and transferred to the recipient.Women with low ovarian reserve, premature ovarian failure, or genetic concerns.£9,000 - £15,000+

Note: These costs are estimates for 2025 and do not include initial consultations, diagnostic tests, or medication, which can add several thousand pounds to the final bill. Always get a detailed cost breakdown from your chosen clinic.

Lifestyle and Wellness Tips for Boosting Fertility

While medical tests and treatments are vital, don't underestimate the power of lifestyle changes. Optimising your health can improve your chances of conception, both naturally and with assistance.

  • Maintain a Healthy Weight: Being either overweight or underweight can disrupt your menstrual cycle and affect ovulation. The NHS notes that a BMI between 20 and 30 is ideal for fertility.
  • Focus on a Balanced Diet: A Mediterranean-style diet rich in fruits, vegetables, whole grains, lean protein, and healthy fats is beneficial. Key nutrients include folic acid, iron, and omega-3 fatty acids. To help you manage your nutrition, WeCovr provides complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, for our health and life insurance customers.
  • Reduce Stress: Chronic stress can impact the hormones that control ovulation. Incorporate stress-reducing activities like yoga, meditation, mindfulness, or simply spending time in nature.
  • Get Quality Sleep: Aim for 7-9 hours of quality sleep per night. Poor sleep can disrupt your hormonal balance.
  • Exercise Moderately: Regular, moderate exercise (like brisk walking, swimming, or cycling) is great for your overall health. However, very high-intensity exercise can sometimes negatively affect ovulation.
  • Limit Caffeine and Alcohol: The official advice is to avoid alcohol completely while trying to conceive. High caffeine intake (over 200mg per day, about two mugs of instant coffee) has also been linked to fertility issues.
  • Stop Smoking: Smoking is one of the most significant lifestyle factors affecting fertility in both men and women. It can damage eggs and negatively impact the uterine lining.

How WeCovr Can Help You Navigate Your Options

The world of private healthcare and insurance can be complex, especially when dealing with a sensitive issue like infertility. This is where an independent, expert broker like WeCovr can be invaluable.

  1. Clarifying Your Policy: We can review your existing private medical insurance or help you find a new one, clearly explaining what is covered regarding gynaecological investigations. We help you compare the best PMI providers in the market.
  2. No-Cost Expertise: Our service is completely free to you. We receive a commission from the insurer you choose, so you get expert, unbiased advice without any extra fees.
  3. Finding the Right Cover: We compare policies from across the market to find the private health cover that best suits your needs and budget, ensuring you understand all the exclusions and limitations upfront.
  4. Customer Satisfaction: We pride ourselves on our high customer satisfaction ratings, built on providing clear, empathetic, and professional advice.
  5. Extra Benefits: When you purchase a policy through WeCovr, you not only get peace of mind but also discounts on other types of cover, like life insurance, and complimentary access to our CalorieHero wellness app.

While a private medical insurance UK policy may not cover fertility treatment itself, having the right one can provide rapid access to the crucial diagnostic tests that give you the answers you need to plan your next steps.


Will my private medical insurance cover IVF treatment?

Generally, no. Standard UK private medical insurance policies almost universally exclude fertility treatments like IVF, IUI, and egg donation. These policies are designed to cover acute conditions that are curable. Infertility is often considered a chronic condition, and its treatments are a specific exclusion in most policy documents.

If I have symptoms like pelvic pain, will PMI cover the tests to find out why?

In many cases, yes. Most private medical insurance policies will cover the costs of specialist consultations and diagnostic tests (such as ultrasound scans, blood tests, or even a laparoscopy) to investigate the cause of symptoms like pelvic pain or abnormal bleeding. This cover typically ends once a diagnosis is made. If that diagnosis is infertility, the subsequent treatment would not be covered.

Do I need to declare I am trying to conceive when applying for private health insurance?

You must answer all questions truthfully when applying for insurance. If you have already seen a doctor about fertility issues or have a pre-existing condition related to it (like PCOS), this would need to be declared. This would likely result in an exclusion being placed on your policy for infertility-related investigations and treatment. If you have not sought medical advice, you are simply "trying to conceive," which is not typically a condition you need to declare.

Ready to explore how private medical insurance can give you fast access to diagnostics and peace of mind?

[Get Your Free, No-Obligation Quote from WeCovr Today]

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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 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:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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