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Fibroids Private Treatment Options

Fibroids Private Treatment Options 2026

As an FCA-authorised expert that has helped arrange over 900,000 policies, WeCovr explains fibroids and how private medical insurance in the UK can provide faster access to diagnosis and treatment for new conditions. This guide explores your options for navigating this common health concern through private healthcare.

WeCovr explains fibroids and private healthcare treatment options

Fibroids are a common condition affecting millions of women in the UK, yet understanding the treatment pathway can often feel overwhelming. While the NHS provides excellent care, long waiting lists for diagnosis and treatment can lead many to consider private healthcare options.

This comprehensive guide will walk you through everything you need to know about fibroids, from symptoms and diagnosis to the full range of treatments available privately. We'll also explain the crucial role of private medical insurance (PMI) and how it works, particularly concerning conditions like fibroids.

What Exactly Are Fibroids?

In simple terms, fibroids are non-cancerous growths that develop in or around the womb (uterus). These growths are made up of muscle and fibrous tissue and can vary significantly in size, from as small as a pea to as large as a melon.

You might also hear them referred to by their medical names: uterine myomas or leiomyomas. It's important to remember that they are almost always benign (not cancerous). Less than 1 in 1,000 cases involve a cancerous fibroid.

There are several types of fibroids, classified by their location:

  • Intramural fibroids: The most common type, these grow within the muscular wall of the womb.
  • Subserosal fibroids: These form on the outside of the womb and can grow quite large.
  • Submucosal fibroids: These grow from the muscle wall into the cavity of the womb and are most likely to cause heavy bleeding and fertility problems.
  • Pedunculated fibroids: These are attached to the womb by a stalk-like stem.

How Common Are Fibroids in the UK?

Fibroids are very common, although many women are unaware they have them because they have no symptoms. According to the NHS, around 1 in 3 women develop fibroids at some point in their life, most often between the ages of 30 and 50.

Several factors can increase your risk of developing fibroids:

  • Age: They are most common in women in their 30s, 40s, and early 50s. They tend to shrink after the menopause.
  • Ethnicity: For reasons not yet fully understood, fibroids are more common in women of African-Caribbean origin. They may also develop them at a younger age and have larger or more numerous fibroids.
  • Weight: Being overweight or obese increases your risk, as fat cells produce more oestrogen, which can encourage fibroid growth.
  • Family History: If your mother or sister had fibroids, you have a higher chance of developing them.
  • Childbearing: Never having been pregnant is associated with a higher risk.

Recognising the Symptoms of Fibroids

While many women have no symptoms, others can experience issues that significantly impact their quality of life. The symptoms depend on the size, location, and number of fibroids.

Common signs include:

  • Heavy and/or prolonged periods (menorrhagia): This is the most common symptom. You might need to change sanitary products very frequently or pass large blood clots.
  • Painful periods: Abdominal cramps can be severe.
  • Tummy (abdominal) pain or a feeling of fullness: Larger fibroids can cause a noticeable swelling or pressure in the lower abdomen.
  • Lower back pain: Fibroids pressing on muscles and nerves in the back can cause a persistent ache.
  • A frequent need to urinate: Caused by fibroids pressing on the bladder.
  • Constipation: Caused by fibroids pressing on the bowel.
  • Pain or discomfort during sex.
  • Fertility problems: In some cases, fibroids can interfere with conception or increase the risk of complications during pregnancy, such as miscarriage.

If you are experiencing any of these symptoms, it's essential to see your GP for an accurate diagnosis.

Diagnosing Fibroids: The NHS vs. Private Pathway

Getting a diagnosis is the first step towards treatment. Here’s how the process typically compares between the NHS and private healthcare.

FeatureNHS PathwayPrivate Healthcare Pathway (with PMI or Self-Pay)
First StepAppointment with your GP.Appointment with your GP (for an open referral) or direct access to a private GP/specialist.
ReferralGP refers you to an NHS gynaecologist.GP or private GP provides a referral to a private consultant of your choice.
Waiting Time (Consultant)Weeks or months. The NHS target is 18 weeks from referral to treatment, but this can vary.Days or within a week.
Diagnostic TestsFurther waiting for an appointment for an ultrasound, MRI, or hysteroscopy.Tests are often performed on the same day as the consultation or within a few days.
Choice of SpecialistYou are usually assigned to the next available specialist at your local hospital.You can choose your consultant and hospital from your insurer's approved network.
Overall Time to DiagnosisCan take several months from the initial GP visit.Can be completed in as little as one to two weeks.

The main advantage of the private route is speed. Bypassing lengthy waiting lists means you get a diagnosis and a treatment plan much faster, which can provide immense peace of mind and a quicker resolution to your symptoms.

A Critical Point: Private Insurance and Pre-existing Conditions

This is the most important section for anyone considering private medical insurance for fibroids. Standard UK PMI policies are designed to cover acute conditions that arise after your policy begins. They do not cover chronic or pre-existing conditions.

  • Pre-existing Condition: This is any disease, illness, or injury for which you have experienced symptoms, received medication, advice, or treatment in the years before taking out the policy (usually the last 5 years).
  • Chronic Condition: This is a condition that is long-lasting, has no known cure, and requires ongoing management, like diabetes, asthma, or in many cases, fibroids.

What does this mean for fibroids?

If you have already been diagnosed with fibroids or have had symptoms that a doctor has investigated, a new private medical insurance policy will not cover treatment for them. The condition will be listed as a pre-existing exclusion.

There are two main types of underwriting (the process an insurer uses to assess your health risk) that affect this:

  1. Moratorium Underwriting: This is the most common type. Any pre-existing condition from the last 5 years is automatically excluded. However, if you go for a set period (usually 2 continuous years) after your policy starts without any symptoms, treatment, or advice for that condition, the insurer might start covering it in the future. For a condition like fibroids which often requires ongoing symptom management, this is unlikely to happen.
  2. Full Medical Underwriting (FMU): You declare your full medical history on an application form. The insurer will review it and explicitly exclude fibroids (and any other pre-existing conditions) from your cover from day one.

The key takeaway: You cannot buy a new health insurance policy to cover a health issue you already have. The value of PMI is in having it in place before you get ill, to cover new, unforeseen acute conditions.

Private Treatment Options for Fibroids

If you have private medical insurance that covers fibroids (i.e., the policy was in place long before symptoms appeared) or if you choose to pay for treatment yourself (self-pay), you gain access to a wide array of advanced options.

Here’s a breakdown of the main treatments available privately.

1. Medication to Manage Symptoms

Medication is often the first line of treatment, especially if symptoms are mild. The goal is to reduce heavy bleeding and pain.

  • Tranexamic Acid: Non-hormonal tablets that reduce bleeding by helping your blood to clot.
  • Anti-inflammatory medicines (NSAIDs): Such as ibuprofen or mefenamic acid, which can help reduce pain.
  • The Contraceptive Pill or Hormonal IUS (e.g., Mirena coil): These can make periods lighter and less painful.
  • Gonadotrophin-releasing hormone (GnRH) agonists: These medications put you into a temporary, reversible menopause, stopping your periods and shrinking the fibroids. They are usually only used for a short time (3-6 months) to prepare for surgery, as they can cause side effects like hot flushes and bone thinning.

2. Non-Invasive Procedures

These innovative treatments destroy fibroids without the need for surgical cuts.

  • Uterine Artery Embolisation (UAE):

    • What it is: A minimally invasive procedure performed by an interventional radiologist. A tiny catheter is guided through a blood vessel in your leg to the arteries supplying the fibroids. Tiny particles are then injected to block these arteries, cutting off the blood supply.
    • The result: The fibroids starve, shrink, and die over the following months.
    • Best for: Women with symptomatic fibroids who do not wish to get pregnant in the future, although pregnancy is sometimes possible after UAE.
    • Recovery: A one-night hospital stay and about 1-2 weeks of recovery at home.
  • MRI-guided Focused Ultrasound Surgery (MRgFUS):

    • What it is: A completely non-invasive, cutting-edge technique. You lie inside an MRI scanner that pinpoints the exact location of the fibroid. High-intensity ultrasound waves are then focused on the fibroid to heat and destroy the tissue without harming the surrounding area.
    • Best for: Women with fewer, specific types of fibroids who want to preserve their uterus.
    • Recovery: A day procedure with a very quick recovery, often just a day or two. Availability is still limited in the UK.

3. Minimally Invasive Surgical Procedures

These "keyhole" surgeries offer effective fibroid removal with faster recovery times than traditional open surgery.

  • Myomectomy (Removal of Fibroids): This surgery removes the fibroids while leaving the uterus intact, making it the preferred option for women who want to have children.

    • Hysteroscopic Myomectomy: Used for submucosal fibroids (those inside the womb cavity). A thin, telescope-like instrument (hysteroscope) is passed through the vagina and cervix into the womb. A special tool is then used to shave away the fibroids. It's a day-case procedure with a recovery of a few days to a week.
    • Laparoscopic or Robotic Myomectomy: Used for intramural or subserosal fibroids. The surgeon makes several small incisions in the abdomen and uses a laparoscope (a thin tube with a camera) and specialised instruments to remove the fibroids. Robotic surgery uses a console to control robotic arms for enhanced precision. This usually requires a 1-2 night hospital stay and a 2-4 week recovery.

4. Major Surgical Procedures

  • Hysterectomy (Removal of the Womb):
    • What it is: The surgical removal of the uterus. This is the only treatment that guarantees fibroids will not return.
    • When it's considered: It's a major operation reserved for women with severe symptoms, large or numerous fibroids, and who have completed their family or do not wish to have children.
    • Types: It can be performed laparoscopically (keyhole), vaginally, or as a traditional open abdominal surgery. Recovery time varies from 2 to 8 weeks depending on the method.

Summary of Private Treatment Options

TreatmentTypePurposeBest Suited ForTypical Private Recovery
MedicationNon-SurgicalSymptom management (pain/bleeding)Mild to moderate symptoms.N/A
UAENon-InvasiveShrinks fibroids by blocking blood flow.Women who do not want future pregnancy.1-2 weeks
MRgFUSNon-InvasiveDestroys fibroid tissue with ultrasound.Women wanting a non-invasive, uterus-sparing option.1-2 days
Hysteroscopic MyomectomyMinimally InvasiveRemoves fibroids inside the womb cavity.Women who want to preserve fertility.1 week
Laparoscopic MyomectomyMinimally InvasiveRemoves fibroids in/on the womb wall via keyhole.Women who want to preserve fertility.2-4 weeks
HysterectomyMajor SurgeryRemoves the entire womb.Women with severe symptoms not wanting future pregnancy.4-8 weeks

How Much Does Private Fibroid Treatment Cost in the UK?

If you don't have private medical insurance covering the condition, you will need to self-fund your treatment. Costs can vary widely depending on the hospital, the consultant, and the specific procedure. The prices below are estimates to give you a general idea.

Procedure / ServiceEstimated Self-Pay Cost Range (UK)Notes
Initial Gynaecology Consultation£250 - £400Does not include tests.
Pelvic Ultrasound Scan£300 - £500Often the first diagnostic test required.
MRI Scan£700 - £1,500Provides more detailed images of the fibroids.
Uterine Artery Embolisation (UAE)£8,000 - £12,000Includes hospital stay, consultant and radiologist fees.
Laparoscopic Myomectomy£7,000 - £11,000Price depends on complexity and length of hospital stay.
Hysteroscopic Myomectomy£4,000 - £7,000Usually a day-case procedure.
Abdominal Hysterectomy£9,000 - £15,000Traditional open surgery with a longer hospital stay.

These "package prices" offered by private hospitals usually include the surgeon's fees, anaesthetist fees, hospital stay, nursing care, and one follow-up appointment. Always confirm exactly what is included before proceeding.

How a PMI Broker Can Help You Find the Best Cover

Navigating the world of private health cover can be complex. An expert broker, like WeCovr, simplifies the process and provides invaluable support at no extra cost to you.

Here’s how we help:

  • Market Comparison: We compare policies from all the leading UK PMI providers to find the right fit for your needs and budget.
  • Expert Advice: We explain the jargon and the fine print, ensuring you understand exactly what is and isn’t covered, especially concerning underwriting and exclusions.
  • Tailored Policies: We help you choose the right level of cover, whether you want a comprehensive policy or a more basic plan focused on diagnostics and surgery.
  • Ongoing Support: We are here to help you not just when you buy, but also if you need to make a claim in the future.

By using a broker, you get impartial, expert advice that empowers you to make the best decision for your future health.

Lifestyle and Wellness Tips for Managing Fibroid Symptoms

While medical treatment is key, certain lifestyle adjustments may help manage symptoms and improve your overall well-being.

  • Diet and Nutrition: Some research suggests a link between diet and oestrogen levels, which can influence fibroid growth. Consider a diet rich in:
    • Fibre: From fruit, vegetables, and whole grains to aid digestion and help prevent constipation.
    • Green vegetables: Like broccoli, spinach, and kale.
    • Lean protein: Such as fish and poultry over red and processed meats. As a WeCovr customer, you also get complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, to help you stay on track with your health goals.
  • Maintain a Healthy Weight: Losing excess weight can help reduce oestrogen levels and may lower your risk of developing fibroids or help manage their growth.
  • Regular Exercise: Gentle to moderate activity like walking, swimming, or yoga can help with pain, reduce stress, and contribute to weight management. Avoid excessively strenuous abdominal exercises if they cause you pain.
  • Stress Management: Chronic stress can impact your hormonal balance. Practices like mindfulness, meditation, and ensuring you get enough quality sleep can make a real difference to your overall health.
  • Travel Tips: If you suffer from heavy periods, plan ahead for travel. Pack extra sanitary supplies, pain relief, and dark-coloured clothing. Use a period-tracking app to anticipate your cycle.

Frequently Asked Questions (FAQs)

Will my new private medical insurance policy cover my existing fibroids?

Generally, no. Standard UK private medical insurance does not cover pre-existing conditions. If you have already been diagnosed with fibroids or have had symptoms before taking out a policy, treatment for them will be excluded from your cover. PMI is designed to cover new, acute medical conditions that arise after your policy starts.

Can I still get private medical insurance if I have fibroids?

Yes, you can absolutely get a private medical insurance UK policy. However, the policy will specifically exclude cover for your fibroids and any related conditions. It will, however, provide valuable cover for new, eligible acute conditions you might develop in the future, giving you fast access to private diagnosis and treatment for those issues.

What is the main benefit of going private for fibroid diagnosis and treatment?

The primary benefits are speed and choice. With private healthcare, you can bypass NHS waiting lists, often seeing a specialist and having diagnostic tests within days rather than months. You also get to choose your consultant and hospital, and you may have access to a wider range of advanced or minimally invasive treatments in a comfortable private facility.

What's the difference between a myomectomy and a hysterectomy?

A myomectomy is a surgical procedure to remove only the fibroids, leaving your uterus (womb) intact. It is the preferred option for women who wish to have children in the future. A hysterectomy is the surgical removal of the entire uterus, which is a definitive cure for fibroids but means you can no longer get pregnant.

Take Control of Your Health with WeCovr

Whether you're exploring private treatment for the first time or want to secure your future health with the right insurance policy, getting expert advice is crucial. At WeCovr, we provide clear, impartial guidance to help you navigate your options. Our service is completely free, and we enjoy high customer satisfaction ratings for our professional and friendly approach.

Protect yourself against future health worries and ensure you have fast access to the best care when you need it most. Plus, when you purchase a PMI or Life Insurance policy through us, you can enjoy discounts on other types of cover.

Get your free, no-obligation quote from a WeCovr expert today and secure your peace of mind.


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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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