Fighting Fat with Tech: How CalorieHero Is Tackling the Obesity Epidemic

Bristol/London, UK – In a world increasingly burdened by the obesity epidemic, innovative solutions are emerging from the unlikeliest of places. One such breakthrough is CalorieHero, a cutting‐edge smartphone application designed to simplify calorie tracking, offer personalised healthy recipes, and provide robust support tools—such as integrating personal trainers or accountability partners—to help users stay on track with their health goals. With obesity rates soaring both in the United Kingdom and across the globe, CalorieHero represents a beacon of hope in an era when traditional methods have often fallen short.

This article delves into how CalorieHero is transforming the way individuals manage their diets and lifestyle, blending digital health technology with behavioural science. Developed by insurtech company WeCovr, which is one of the participants of the Future Finance Accelerator run by the University of Bristol, the app is now offered free of charge to anyone taking out WeCovr health insurance. Furthermore, its global availability in over 35 languages underscores its potential as a universal tool in combating one of the most pressing public health challenges of our time. With insights drawn from global obesity statistics, expert opinions, and an exclusive look at the innovative features behind the app, this in‐depth report examines how modern startups are fighting back against obesity through technology.

1. The Global Obesity Epidemic: A Crisis Unfolding

Obesity is more than a matter of aesthetics—it is a chronic, multifactorial disease that has rapidly escalated to epidemic proportions. Over the past few decades, the prevalence of obesity has increased dramatically, affecting not only high‐income countries but also emerging economies. According to the World Health Organization, nearly 43% of adults globally are overweight, and approximately 16% live with obesity. This means that out of every eight people on the planet, one is classified as obese—a figure that has more than doubled since 1990.

A Historical Perspective

Historically, obesity was a rarity confined mostly to wealthy societies where excess food was abundant. However, the latter half of the twentieth century witnessed a dramatic shift. Urbanisation, mechanisation, and the rise of fast food led to a surplus in caloric consumption coupled with a decline in physical activity. In the UK, for instance, obesity rates among adults have surged from around 15% in the early 1990s to nearly 29% today. Similar trends are observed globally, with some nations facing obesity rates that exceed 30% of their adult population.

Health and Economic Implications

The health implications of obesity are far-reaching. Obesity is closely linked to a host of chronic conditions including type 2 diabetes, cardiovascular diseases, hypertension, and certain forms of cancer. The burden on healthcare systems is enormous; in the United Kingdom, obesity-related illnesses cost the National Health Service an estimated £6–£7 billion each year—a figure projected to rise to over £9.7 billion by 2050 if preventive measures are not implemented.

Globally, the economic impact is staggering. Experts predict that by 2035, more than half of the world’s population will be overweight or obese, with the economic burden reaching $4.3 trillion per year—approximately 3% of global GDP. Such statistics highlight the urgent need for innovative interventions that can stem this tide.

Socioeconomic and Cultural Factors

Obesity does not affect all segments of the population equally. Socioeconomic factors play a significant role; individuals in lower-income brackets are often more vulnerable due to limited access to healthy foods, safe environments for exercise, and education about nutrition. In many countries, including the UK, there is a stark disparity in obesity rates between affluent and deprived communities.

Moreover, cultural factors influence dietary habits. In some regions, traditional diets are being replaced by processed foods high in sugars and fats, while urbanisation tends to reduce the time available for preparing home-cooked meals. The result is a perfect storm of factors that have made obesity one of the defining public health challenges of our era.

2. Digital Health Solutions: The Rise of Tech-Enabled Wellbeing

Amid the mounting challenges posed by the obesity epidemic, digital health solutions have emerged as a promising tool for personal wellness. Smartphones, wearables, and apps now play an integral role in how individuals monitor and manage their health. The advent of health technology has transformed traditional approaches to diet and exercise, making it possible for people to access personalised health advice at the touch of a button.

The Evolution of Calorie Tracking

For many years, calorie counting was synonymous with tedious manual logging—meticulously writing down every morsel consumed in a day. However, as technology advanced, so did the methods for tracking nutrition. Early apps like MyFitnessPal and Lose It! revolutionised the way people recorded their food intake, but they still required considerable manual input. The advent of artificial intelligence (AI) has now ushered in a new era, where apps can identify foods, estimate portion sizes, and calculate nutritional values in seconds.

Digital health solutions have demonstrated that when individuals are provided with real-time feedback and actionable insights, they are more likely to adopt and sustain healthier behaviours. Numerous studies have shown that self-monitoring of dietary intake is one of the strongest predictors of long-term weight loss success. With smartphones now ubiquitous, an app that simplifies this process can have a profound impact on public health.

Integrating Behavioural Science and Technology

At the heart of effective digital health interventions is an understanding of behavioural science. Changing long-standing dietary habits requires more than just information—it demands motivation, accountability, and continuous reinforcement. Health tech solutions are increasingly designed to incorporate these elements by offering features such as goal-setting, progress tracking, and social support networks.

For example, many apps now include gamification elements—such as earning badges or rewards for consistent logging—that incentivise users to stay on track. Social features, such as sharing progress with friends or connecting with a community of like-minded individuals, help create a sense of accountability. By combining these strategies with robust data analytics, digital health platforms can create a personalised roadmap to healthier living.

Global Reach and Accessibility

Another significant advantage of digital health solutions is their global reach. Unlike traditional health programmes that may require in-person sessions or access to specialised facilities, mobile apps can be used by anyone with a smartphone. This is particularly important in low-resource settings, where access to healthcare professionals may be limited. With CalorieHero now available in over 35 languages, the potential to impact lives worldwide is enormous.

For many users, the mere act of tracking food intake increases awareness about what and how much they are eating, leading to more mindful choices. Over time, this heightened awareness can result in gradual, sustainable changes in eating behaviour—an essential factor in combating the obesity epidemic.

3. CalorieHero: A New Frontier in Weight Management

CalorieHero is not just another calorie-tracking app—it is a comprehensive platform designed to simplify the complexities of diet management. Developed by WeCovr, a forward-thinking insurtech company based in Bristol, CalorieHero is a product of cutting-edge technology and a deep understanding of behavioural science.

The Genesis of CalorieHero

The inspiration behind CalorieHero stemmed from a simple question: How can we make healthy living easier for everyone? WeCovr recognised that traditional methods of calorie counting were too cumbersome and often led to early drop-off rates among users. By leveraging AI and machine learning, the team behind CalorieHero set out to design an application that would make tracking food intake nearly effortless.

From its inception, the project was underpinned by a dual mission: to empower individuals to take control of their diets and to serve as a preventative tool within the broader framework of health insurance. By offering the app free to WeCovr health insurance policyholders, the company not only differentiates itself in a competitive market but also embraces a socially responsible approach to reducing obesity-related health issues.

Behind the Scenes: Innovation and Development

Developing CalorieHero required the convergence of several advanced technologies. At its core is an AI-powered image recognition system capable of identifying foods from photographs with impressive accuracy. Users simply snap a picture of their meal, and the app analyses the image to determine the ingredients, portion sizes, approximate calorie count and macronutrient content such as carbs, fats and proteins. This not only streamlines the process of tracking meals but also reduces human error—a common issue in manual logging.

In addition to image recognition, CalorieHero features an extensive database of foods and recipes, regularly updated to reflect new trends and regional variations. The app is designed to be adaptive: the more a user engages with it, the better it becomes at tailoring recommendations to their individual preferences and dietary needs. Whether someone is following a low-carb regimen or requires a gluten-free diet, CalorieHero offers customisable guidance.

User-Centric Design and Accessibility

Ease of use is a cornerstone of CalorieHero’s design philosophy. The developers understood that for an app to be effective, it must integrate seamlessly into the user’s daily routine. The interface is intuitive, with clear visuals and straightforward navigation that allows users to log their meals quickly. The app’s design minimises the number of steps required to record food intake, ensuring that even those with busy lifestyles can maintain consistency.

Moreover, accessibility was a key consideration during development. By offering the app in over 35 languages, CalorieHero ensures that language barriers do not prevent anyone from accessing its benefits. This global approach is particularly important given the universal nature of the obesity epidemic.

4. Key Features and Innovations of CalorieHero

CalorieHero stands out from the plethora of health apps available today thanks to its innovative features. Below, we examine each of the app’s key functions in detail.

AI-Powered Meal Logging

One of the most compelling features of CalorieHero is its AI-driven meal logging system. Traditional food diaries require users to manually input every ingredient, a process that is both time-consuming and prone to inaccuracies. CalorieHero revolutionises this process by enabling users to log meals with a simple photograph. The app’s sophisticated image recognition technology quickly identifies the various components of a meal, estimates portion sizes, and computes an overall calorie count. This instant feedback loop not only makes logging more engaging but also reduces the friction that often leads to early abandonment of such tools.

Personalised Recipe Recommendations

Understanding that calorie tracking alone is not enough to drive lasting change, CalorieHero incorporates a robust recipe suggestion feature. Based on the user’s dietary history, goals, and preferences, the app offers tailored healthy recipes that are both nutritious and delicious. For instance, if a user frequently exceeds their calorie target on lunch, the app might suggest a lower-calorie, nutrient-dense alternative. Over time, the app learns from the user’s interactions, ensuring that the recommendations become increasingly aligned with their tastes and nutritional requirements.

Integrated Accountability Tools

Staying committed to a healthy lifestyle is often easier when you’re not doing it alone. CalorieHero addresses this challenge by offering integrated accountability tools. Users can add an accountability partner—be it a personal trainer, friend, or family member—to monitor their progress. These partners can offer encouragement, track milestones, and even share in the app’s achievements. The social aspect of this feature is designed to foster a supportive community, making it more likely for users to stick to their dietary goals.

Comprehensive Nutritional Analytics

Data is a powerful tool in managing health, and CalorieHero leverages this by providing detailed nutritional analytics. The app transforms raw data into easy-to-read charts and graphs that illustrate trends over time—such as daily calorie intake, macronutrient ratios, and even micronutrient consumption when logged in detail. Users can see at a glance whether they are meeting their nutritional targets or if there are areas that require adjustment. This visual representation of progress can serve as both a motivator and an educational tool, helping users make more informed choices about their diets.

Regular Updates and Community Feedback

The development team behind CalorieHero is committed to continuous improvement. The app regularly receives updates that introduce new features and enhance existing functionalities. Importantly, user feedback plays a significant role in this iterative process. The company actively encourages users to share their experiences and suggestions, ensuring that the app evolves in response to real-world needs.

5. WeCovr’s Role: Insurtech Meets Preventative Health

While many insurtech firms focus solely on streamlining claims and improving policyholder experiences, WeCovr has taken a different path by investing in preventive health measures. By offering CalorieHero free of charge to its health insurance customers, WeCovr is making a bold statement about the future of health insurance—one where companies actively contribute to the well-being of their clients.

A Vision for Proactive Health Management

Vlad Shipov, the founder and CEO of WeCovr, is at the forefront of this vision. “Obesity is one of the defining health challenges of our time,” he explains. “We’re proud to be doing our part to address it. CalorieHero alone won’t solve the epidemic, but it can help individuals take charge of their health, one meal at a time. If we can make a positive impact on even a few lives, that’s success for us. And if many people embrace it—then we might actually start to see real change.”

His remarks underscore a broader philosophy: preventive health is not only socially responsible but also economically prudent. By helping policyholders maintain healthier lifestyles, WeCovr aims to reduce the likelihood of future claims, ultimately creating a win-win situation for both the insurer and the insured.

Integration with Health Insurance

The integration of CalorieHero into WeCovr’s health insurance offering is a strategic move that differentiates the company in a competitive market. Policyholders who use the app gain access to premium features—such as advanced analytics and personalised nutritional guidance—without incurring any additional costs. This integration exemplifies how insurance products can extend beyond mere financial coverage to actively support and improve the health of their customers.

Moreover, by offering a tool that is both innovative and accessible, WeCovr is setting a new standard for what health insurance can be in the digital age. It’s a model that could well inspire other insurers to adopt similar preventive measures, ultimately leading to broader improvements in public health outcomes.

6. The Future of Health Tech and Obesity Prevention

The evolution of digital health solutions like CalorieHero is part of a much larger trend towards personalised, technology-driven healthcare. As artificial intelligence, machine learning, and wearable devices become more sophisticated, the potential to improve public health through data-driven insights grows exponentially.

Trends in Digital Health

The landscape of digital health is constantly evolving. Innovations in remote monitoring, telemedicine, and mobile health applications are reshaping how we think about wellness and disease prevention. In the realm of obesity prevention, these technologies are particularly promising. The ability to monitor dietary intake, physical activity, and even sleep patterns through interconnected devices creates an ecosystem in which individuals can receive tailored advice in real time.

Experts predict that the next few years will see even greater integration between healthcare providers, insurers, and tech companies. For example, data from apps like CalorieHero could eventually be used—always with the user’s consent—to inform public health policies or personalised health interventions. The convergence of these sectors is likely to result in more holistic approaches to managing chronic diseases, including obesity.

Challenges and Considerations

Despite the potential, there are challenges to be addressed. One of the primary concerns is ensuring that the data collected is secure and used responsibly. Privacy remains a top priority, and companies like WeCovr have made it clear that the data from CalorieHero is kept separate from insurance underwriting. “This isn’t about prying into people’s lives,” the app's creators insist. “Participation is completely voluntary, and our primary goal is to support our customers’ health without compromising their privacy.”

Another challenge is ensuring sustained engagement. While digital health apps are popular at first, many users tend to drop off over time. The key to long-term success lies in continuous innovation—updating the app to include new features, personalised content, and dynamic social interactions that keep users motivated. CalorieHero’s iterative approach, driven by regular user feedback and technological upgrades, is designed to meet this challenge head-on.

A Broader Vision for Public Health

The potential impact of digital health solutions extends far beyond individual users. With the right infrastructure and partnerships, apps like CalorieHero could be integrated into broader public health initiatives. Imagine community-wide challenges promoted by local governments or partnerships with schools to encourage healthy eating habits from a young age. Such initiatives could complement traditional health campaigns, creating a multi-layered approach to tackling obesity.

The global availability of CalorieHero—supporting over 35 languages—positions it as a truly inclusive tool that can help bridge gaps in health education and access. For many in low-resource settings, a free, accessible app may be the first step toward better health. With continuous improvements and the backing of a socially conscious company like WeCovr, the long-term prospects for digital health interventions look promising.

7. Empowering Individuals: Stories from the Front Line

Real-world success stories highlight the transformative potential of digital health tools. Consider Sarah, a 38-year-old mother of two from Bristol, who struggled for years to manage her weight. “I tried everything from fad diets to expensive personal trainers, but nothing seemed to stick,” she recalls. “Then I started using CalorieHero. The ease of snapping a photo to log my meals made all the difference. I was more aware of what I was eating, and the personalised recipe suggestions helped me discover healthier alternatives that I actually enjoyed.” Over the course of a year, Sarah not only lost weight but also reported improved energy levels and a renewed sense of control over her health.

Another inspiring example is Raj, a 45-year-old professional based in London, who was diagnosed with type 2 diabetes. “After my diagnosis, I knew I had to make serious changes,” he explains. “CalorieHero became my daily companion. It wasn’t just about counting calories—it was about understanding my body’s needs and learning how to nourish it better. The accountability feature, where I could share my progress with my dietitian, kept me motivated during tough times.” Raj’s experience mirrors a growing trend: the realisation that technology, when combined with human support, can drive sustainable behaviour change.

These personal accounts reinforce the idea that while technology can never replace professional healthcare, it can empower individuals to take control of their own wellness journey. The blend of intuitive design, actionable insights, and social support is proving to be a winning formula in the fight against obesity.

8. A Call to Action: Shaping the Future of Health Together

As the obesity epidemic continues to escalate, it is clear that innovative solutions are urgently needed. CalorieHero is one of many digital tools that illustrate how technology can bridge the gap between intention and action. Its seamless integration of AI-powered tracking, personalised dietary recommendations, and robust support mechanisms offers a practical and inspiring model for how we can approach health in the digital age.

For policymakers, healthcare providers, and the tech industry alike, the success of apps like CalorieHero serves as a call to action. There is a tremendous opportunity to harness data, foster community engagement, and drive systemic change. By supporting preventive health measures and embracing digital innovation, we can begin to reverse the alarming trends in obesity and its associated health burdens.

Insurance companies, too, have a role to play. WeCovr’s forward-thinking approach demonstrates that when insurers invest in the well-being of their policyholders, everyone stands to benefit. Reduced health claims, lower healthcare costs, and, most importantly, improved quality of life are all attainable when technology is leveraged to empower individuals. As the founder notes, “A healthier population isn’t just a societal win—it’s an economic win, too. When people are healthier, we all thrive.”

This moment in time is pivotal. With the right partnerships, continuous innovation, and a steadfast commitment to preventive care, the future of health could be radically transformed. CalorieHero represents more than just an app; it is a symbol of what is possible when technology, empathy, and expertise converge to address one of the most critical issues of our time.

9. Conclusion: A Healthier Tomorrow Through Innovation

In the battle against obesity, no single solution will suffice. It requires a multi-pronged approach that includes public policy, community initiatives, education, and – increasingly – digital innovation. CalorieHero, with its user-friendly design, advanced AI capabilities, and holistic approach to wellness, is emerging as a valuable tool in this fight.

By simplifying the act of calorie tracking, offering actionable insights, and fostering a supportive community, the app empowers users to make informed choices about their diets and lifestyles. Moreover, by integrating CalorieHero into its health insurance offerings, WeCovr is leading by example, showing that the insurance industry can play a proactive role in preventive health.

As we look to the future, the convergence of health tech, insurtech, and behavioural science holds immense promise. While challenges remain—such as ensuring data privacy, sustaining long-term user engagement, and addressing socioeconomic disparities—the progress made thus far is encouraging. Digital health solutions like CalorieHero are not a panacea, but they are an important part of a broader strategy to combat the obesity epidemic and promote healthier, happier lives.

For individuals, communities, and policymakers alike, the message is clear: embrace innovation, support preventive measures, and work collaboratively towards a future where healthier choices are accessible to all. The journey may be long, but with determination, creativity, and cutting-edge technology at our side, a healthier tomorrow is within reach.

This article is part of an in-depth series on innovative health tech solutions featured in the Future Finance programme at the University of Bristol. It is a call to action—a reminder that every step taken towards better health, no matter how small, is a step in the right direction.

Note: This comprehensive report draws upon global and UK obesity statistics, the latest trends in digital health, expert opinions, and real-life user stories. It underscores the transformative potential of tools like CalorieHero, demonstrating that when technology meets preventative healthcare, society as a whole can benefit. The future of health is being shaped by these innovations, and CalorieHero is at the forefront of that change.

For further details or interviews regarding CalorieHero and WeCovr’s innovative approach, please contact the WeCovr press office at press@wecovr.com.

Get A Free Quote

Why get private health insurance?

Health insurance allows you get back on your feet quicker:

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

Get Quote

Benefits offered by private health insurance

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

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

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

Important Fact!

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

Why increasing numbers of individuals and families opt for PMI insurance

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

People buy life, critical illness and private medical health insurance for a variety of reasons – easily one of the most important insurance purchases an individual or family can make in their lifetime. PMI insurance is still seen as a luxury in the UK. Indeed, only around 11% of the population has private medical insurance. However, an increasing number of people are taking out private medical insurance due to a number of reasons:

Avoid NHS waiting lists and be treated more quickly
Faster diagnosis (comprehensive cover)
More access to latest cancer drugs and treatments, some of which may be unavailable on the NHS
Greater choice over where and when your treatment takes place
Have a private room should you need treatment in hospital

Our experienced FCA-authorised insurance partner experts are ready to provide you with a FREE Consultation.

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

Book Call Now

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

It's as easy as 1, 2, 3!

1. Complete a brief form

2. Our experts will find and discuss your quotes

3. Enjoy your protection!

Find Out More

Any questions?

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

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

Are Pre-existing Medical Conditions Covered?

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

Why Do I Need Private Medical Insurance?

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

How Much Does It Really Cost?

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

Isn't NHS Treatment and Coverage Enough?

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

Why Do I Need to Speak to Someone?

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

Are Your Insurance Partners Trustworthy?

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

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

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

How Much Is Private Health Insurance?

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

How Does Private Health Insurance Work?

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

What Does Health Insurance Cover?

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

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

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

When Will My Health Insurance Policy Start?

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

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

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

How Can I Reduce the Cost of Health Insurance?

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

Is There an Age Limit for Private Medical Insurance?

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

How Can I Compare Health Insurance Plans?

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

Can I Add Other People Onto My Health Insurance Policy?

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

Can I Use Health Insurance Abroad?

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

What is Comprehensive Cover?

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

Does Health Insurance Cover Dental Treatment?

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

Does Health Insurance Cover Cancer?

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

Can I Change My Cover Once I Have Signed Up?

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

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

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

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

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

Are There Different Levels of Cover?

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

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

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

What Does Fee Assured Mean?

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

Does Health Insurance Cover Mental Health?

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

Can I Cover My Children as Well?

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

Will the Cost Go Up Every Year?

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

How Much Does Health Insurance Cost?

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

What's the Difference Between Health Insurance and NHS?

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

Does Health Insurance Cover Physiotherapy?

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

Can I Use My Cover Straight Away?

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

How Can I Get a Quote?

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

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

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

How Does Health Insurance Work?

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

What is Outpatient Cover?

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

Can I Use My Health Insurance Cover Immediately?

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

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

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

Are There Any Rewards for Being a PMI Plan Holder?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

When And How Do I Pay My Excess?

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

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

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

Can I Change My Excess Partway Through the Year?

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

What is a No Claims Discount?

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

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

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

What is Full Medical Underwriting?

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

What is Moratorium Underwriting?

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

Will My Claim Take Longer If I Have Moratorium Underwriting?

Claims may require additional information if under moratorium underwriting.

What is a Pre-existing Condition?

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

Is An Annual Review Of My Health Insurance Necessary?

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

Are There Age Restrictions For Health Insurance?

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

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

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

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

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

Is A Medical Exam Required To Get Coverage?

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

Do I Need A GP Referral To Go Private?

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

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

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

What's The Difference Between Inpatient And Outpatient Care?

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

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

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

Will My Policy Cover Me Outside Of The UK?

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

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

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

How Does The Excess Work?

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

What Is The Difference Between Full Medical And Moratorium Underwriting?

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

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

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

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

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

Do I Need a GP Referral for Private Medical Treatment?

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

Can I Get Finance for a Loan for Surgery?

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

How Much Does Private Medical Insurance Cost in the UK?

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

Can I Go Private and Then Return to the NHS?

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

Is Private Healthcare Better than the NHS?

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

Can I Self-Refer to a Private Consultant?

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

Will the NHS Accept a Private Diagnosis?

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

Book Call With Expert

⌛ 9 min read

Why Have Private Health Insurance in 2025?

⌛ 11 min read

Demystifying the Complexity of Private Health Insurance

⌛ 12 min read

WPA Health Insurance Review

⌛ 6 min read

Learn More

Who Are WeCovr?

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

👍 WeCovr will help you get your life insurance, critical illness insurance, private medical health insurance, over-50s funeral insurance and senior life insurance quote in no time thanks to our wonderful super-friendly expert partners ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with our FCA-authorised life insurance, critical illness insurance and private medical insurance partner experts and your valuable insurance policy is in place for that needed peace of mind!

Get Your Free
Quote

)

Fighting Fat with Tech: How CalorieHero Is Tackling the Obesity Epidemic