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Freedom Health vs April UK Which Niche Provider Wins




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TL;DR

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr provides an expert view on the UK's private medical insurance market. In this guide, we delve into two fascinating niche providers, Freedom Health and April UK, to help you understand which might be your perfect match. WeCovr examines the pros and cons of two smaller UK PMI providers When you think of private health cover in the UK, a few giant names probably spring to mind.

Key takeaways

  • Flexibility and Customisation: Smaller insurers can be more agile, offering modular policies that allow you to build your cover precisely. You only pay for what you truly need.
  • Customer Service: With fewer clients, many niche providers offer a more personal, concierge-style service. You're more likely to speak to the same person and feel like a valued customer rather than just a policy number.
  • Competitive Pricing: By focusing their resources and avoiding large advertising budgets, smaller firms can sometimes offer highly competitive premiums for comparable levels of cover.
  • Innovative Approaches: To stand out, these providers often innovate, whether through unique policy benefits, simplified underwriting, or specialised international cover options.
  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of things like joint replacement, cataract surgery, or treatment for a hernia. PMI is designed for this.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr provides an expert view on the UK's private medical insurance market. In this guide, we delve into two fascinating niche providers, Freedom Health and April UK, to help you understand which might be your perfect match.

WeCovr examines the pros and cons of two smaller UK PMI providers

When you think of private health cover in the UK, a few giant names probably spring to mind. But beyond the big players lies a vibrant market of specialist and niche insurers who offer compelling alternatives. Two such providers are Freedom Health and April UK.

While they may not have the same brand recognition as the market leaders, they often provide exceptional value, flexibility, and a more personal level of service that can be a perfect fit for discerning customers. In this comprehensive review, we'll put them head-to-head, examining everything from their core cover to their customer service ethos, helping you make a more informed decision.

Why Look Beyond the 'Big Four' in UK Private Medical Insurance?

The UK's private medical insurance landscape is dominated by Aviva, AXA, Bupa, and Vitality. They are excellent providers with extensive networks and comprehensive products. So, why would anyone consider a smaller insurer?

The answer lies in choice and specialism. Niche providers often carve out a space by excelling in specific areas:

  • Flexibility and Customisation: Smaller insurers can be more agile, offering modular policies that allow you to build your cover precisely. You only pay for what you truly need.
  • Customer Service: With fewer clients, many niche providers offer a more personal, concierge-style service. You're more likely to speak to the same person and feel like a valued customer rather than just a policy number.
  • Competitive Pricing: By focusing their resources and avoiding large advertising budgets, smaller firms can sometimes offer highly competitive premiums for comparable levels of cover.
  • Innovative Approaches: To stand out, these providers often innovate, whether through unique policy benefits, simplified underwriting, or specialised international cover options.

With NHS waiting lists remaining a significant concern—the latest data from NHS England shows millions of treatment pathways are waiting to begin—more people than ever are exploring private health cover. For many, a niche provider offers the ideal blend of security, service, and value.

The Golden Rule of UK PMI: Understanding Acute vs. Chronic Conditions

Before we compare any providers, it's crucial to understand the fundamental principle of private medical insurance in the UK. This is perhaps the most important takeaway for any potential buyer.

Important: Standard UK private health cover is designed to treat new, acute conditions that arise after your policy has started. It does not cover pre-existing conditions or chronic conditions.

Let's break that down in plain English:

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of things like joint replacement, cataract surgery, or treatment for a hernia. PMI is designed for this.
  • Chronic Condition: An illness that cannot be cured but can be managed with ongoing treatment and medication. Examples include diabetes, asthma, high blood pressure, and arthritis. The day-to-day management of these conditions is handled by the NHS.
  • Pre-existing Condition: Any illness, disease, or injury for which you have experienced symptoms, received medication, or sought advice before taking out the policy. These are typically excluded from cover, at least for an initial period.

Understanding this distinction is key to having the right expectations and appreciating what PMI is designed for: providing you with prompt access to high-quality treatment for unexpected, curable health issues.

Meet the Contenders: A Snapshot of Freedom Health and April UK

Both Freedom Health and April UK are well-respected names in the specialist insurance space, but they come from different backgrounds and have distinct philosophies.

FeatureFreedom Health InsuranceApril UK
Core PhilosophyFlexibility, choice, and empowerment. "Build your own"Service, simplicity, and international expertise.
Primary AudienceUK individuals, families, and SMEs wanting modular cover.Individuals, families, and businesses, including expatriates.
Key StrengthHighly customisable policies.Strong customer service and simple, comprehensive plans.
Organisational TypeUK-based specialist health insurer.The UK arm of a large, global insurance group (APRIL Group).

Deep Dive: Freedom Health Insurance

Freedom Health aims to put you in the driver's seat of your health cover. Their entire approach is built around giving you the tools to create a policy that fits your exact needs and budget.

Who are Freedom Health?

Established in 2003, Freedom Health is a UK-based company with a clear mission: to offer a refreshing and flexible alternative to the one-size-fits-all policies on the market. They are underwritten by Axis Managing Agency Limited on behalf of Lloyd’s of London, giving them the financial backing of one of the world's most famous insurance markets. Their team is based entirely in the UK, which they promote as a key benefit for customer service and understanding the local healthcare landscape.

Freedom's Core PMI Products Explained

Freedom’s offering is primarily split into two distinct products, designed for different needs and budgets.

  1. Freedom Elite: This is their flagship comprehensive policy. It starts with extensive core cover (in-patient and day-patient treatment, comprehensive cancer cover) and allows you to add or remove modules for things like out-patient diagnostics, therapies, and mental health. This pick-and-mix approach is their unique selling point.
  2. Freedom Essentials: A more budget-conscious plan that provides cover for the big-ticket items. It’s designed to cover surgical procedures and more serious treatments, working in partnership with the NHS for diagnostics and consultations. It’s a safety net for essential private treatment without the cost of a fully comprehensive plan.

Key Features and Benefits

  • Modular Design: With the Elite plan, you can dial your cover up or down. Don't want out-patient cover? Remove it and lower your premium. Want to add dental and optical? You can.
  • Full Cancer Cover: On the Elite plan, comprehensive cancer cover is included as standard, covering diagnosis, surgery, chemotherapy, and radiotherapy.
  • UK-Based Service: The entire team, from sales to claims, is based in the UK, ensuring knowledgeable and accessible support.
  • Private GP & Prescription Services: Policyholders get access to a 24/7 private GP helpline and a private prescription service, a valuable perk for quick medical advice.

Potential Drawbacks

  • Complexity can be a double-edged sword: The sheer amount of choice can be overwhelming for some. Deciding which modules you need requires careful thought. This is an area where an expert broker like WeCovr can provide immense value, helping you navigate the options at no extra cost.
  • Smaller Hospital Network: While their hospital list is extensive, it may not be as vast as the lists offered by market giants like Bupa or AXA.

Deep Dive: April UK Health Insurance

April UK focuses on delivering high-quality, easy-to-understand health insurance, backed by the resources of a global powerhouse and a strong commitment to customer service.

Who are April UK?

April UK is the UK specialist arm of the APRIL Group, a leading international insurance services group headquartered in France. This global connection gives them a unique perspective, particularly for those with international ties. In the UK, they've built a reputation for providing straightforward, comprehensive private health cover and being exceptionally easy to deal with. Their plans are underwritten by certain underwriters at Lloyd's or Groupama, providing robust financial security.

April UK's Core PMI Product Explained

April UK's approach is one of simplicity and clarity. They tend to offer a more streamlined product range, focusing on a comprehensive core policy that provides generous benefits from the outset. Their main UK PMI plan typically includes:

  • In-patient and day-patient treatment in full.
  • Comprehensive cancer cover as standard.
  • Generous out-patient cover for consultations and diagnostics, often with high limits.
  • Therapies and complementary medicine often included.

Rather than a modular build, customisation with April UK is more often achieved through choosing your hospital list and excess level.

Key Features and Benefits

  • Service Excellence: April UK consistently receives high praise for its customer service. Their claims process is often cited as being smooth, empathetic, and efficient.
  • Simplicity: Their policies are designed to be easy to understand. There are fewer moving parts, which can be reassuring for buyers who don't want to get lost in complex options.
  • International Flavour: Being part of a global group, they have a good understanding of the needs of expatriates and can sometimes offer plans that include elements of international coverage.
  • Strong Standard Benefits: Many benefits that are optional extras with other insurers are often included as standard in April UK's core plan, providing excellent out-of-the-box value.

Potential Drawbacks

  • Less Flexibility: The flip side of simplicity is less granular control. You can't strip back the policy to a bare-bones level in the same way you can with Freedom's Elite plan.
  • Brand Recognition: While respected in the industry, they are not a household name in the UK, which might concern some buyers, although their financial backing is very strong.

Head-to-Head: Freedom Health vs. April UK Comparison

This is where we get into the detail. Let's compare these two excellent providers across the features that matter most to you when choosing a private health cover plan.

Underwriting Options Compared

Underwriting is how an insurer assesses your medical history to decide the terms of your policy. It's a critical part of any application.

Underwriting TypeFreedom HealthApril UKWeCovr's Plain English Explanation
Moratorium (Mori)Yes. The most common type. Pre-existing conditions from the last 5 years are excluded until you go 2 full years without symptoms or treatment.Yes. A popular and straightforward option. Works in the same way, automatically excluding recent pre-existing conditions.This is the "don't ask, don't tell" option. You don't declare your full medical history upfront. The insurer will check your history only if you make a claim to see if it's a new condition. It's quick and easy but can lead to uncertainty at the point of claim.
Full Medical Underwriting (FMU)Yes. You complete a detailed health questionnaire upfront. The insurer then explicitly lists any conditions that will be excluded from cover.Yes. You provide your full medical history at the start. They tell you exactly what is and isn't covered from day one.This is the "full disclosure" option. It takes more time to set up, but you have complete clarity from the start about what's excluded. There are no surprises when you need to make a claim. For peace of mind, many people prefer this, and it's something our advisers at WeCovr can guide you through.
Continued Personal Medical Exclusions (CPME)Yes. Available if you're switching from another insurer. Freedom will carry over the exclusions from your previous policy.Yes. Offered to those switching from another PMI provider, ensuring continuity of cover without new underwriting.If you already have PMI and want to switch, this option allows you to move your policy without having to go through underwriting again. It’s great for ensuring uninterrupted cover for conditions that have developed while you were insured.

Verdict: Both providers offer a full range of modern underwriting options, making it easy to switch to them or join as a new customer. There is no clear winner here; the best choice depends on your personal circumstances and preference for upfront clarity versus initial speed.

Cancer Care: A Critical Comparison

For many, cancer cover is the single most important element of a PMI policy. It provides access to treatments, drugs, and facilities that may not be available on the NHS, or not available as quickly.

Cancer Cover FeatureFreedom Health (Elite Plan)April UK (Standard Plan)WeCovr's Insight
Core TreatmentComprehensive. Covers surgery, radiotherapy, and chemotherapy as standard.Comprehensive. Covers surgery, radiotherapy, and chemotherapy as standard.Both providers offer robust core cancer treatment, which is the industry standard for a comprehensive policy.
Advanced Therapies & New DrugsIncluded. Covers targeted therapies and drugs, even if not yet approved by NICE (the NHS's watchdog), if they are licensed.Included. Good access to licensed drugs that may not yet be routinely available on the NHS.This is a key benefit of private cover. It can grant you access to the very latest breakthroughs in cancer treatment months or even years before they are available through the public system.
Palliative Care & End-of-LifeIncluded. Provides cover for pain management and treatments to improve quality of life if the cancer is not curable.Included. Palliative care, including pain relief, is typically covered.This shows a commitment to patient wellbeing throughout the entire cancer journey, providing comfort and dignity.
Optional DowngradesYes. On the Elite plan, you can choose to downgrade your cancer cover to receive treatment on the NHS to reduce your premium.No. Cancer cover is typically a core, non-negotiable part of their comprehensive plan.Freedom's option to use the NHS for cancer is unique. It's a way to significantly lower your premium if you are confident in NHS cancer services but want private care for other acute conditions.
Monitoring and Follow-UpCovered for a set period after treatment ends.Covers monitoring and check-ups post-treatment.Both ensure your recovery is tracked, providing peace of mind after active treatment has finished.

Verdict: Both offer excellent, comprehensive cancer cover. Freedom Health wins on flexibility by allowing you to opt for NHS cancer treatment to save money. April UK wins on simplicity by including full, comprehensive cover as a core, non-negotiable benefit.

Mental Health Support

Awareness of mental health has grown enormously, and insurers have responded by significantly improving their support services.

Mental Health FeatureFreedom HealthApril UKWeCovr's Insight
In-patient & Day-patient CoverOptional Extra. Can be added as a module to the Elite plan. Provides cover for hospital stays for psychiatric treatment.Often included. Typically has a good level of cover for in-patient and day-patient treatment, subject to annual limits.This is for acute, severe mental health episodes requiring hospitalisation. April UK's tendency to include this as standard is a strong benefit.
Out-patient Cover (Therapy)Optional Extra. Can be added as part of the out-patient module, covering sessions with a psychologist or psychiatrist.Often included. Usually provides a set monetary amount or number of sessions for out-patient therapies like CBT or counselling.This is the most commonly used mental health benefit. It gives you quick access to talking therapies without a long wait. Again, April UK often includes this, whereas Freedom makes it a conscious choice for the policyholder to add.
Digital & Remote SupportProvides access to a 24/7 GP helpline which can offer initial advice and signposting for mental health concerns.Often partners with third-party apps or services to provide digital mental health support, such as online CBT courses or helplines.Digital tools are becoming essential for early intervention and convenient support. Both providers offer valuable remote services, which can be a lifeline for those needing immediate advice. This proactive approach aligns with a holistic view of health, where managing stress is as important as diet and exercise. Getting enough sleep, for example, is a cornerstone of good mental resilience.

Verdict: April UK often has the edge here for those who want mental health cover included as a core part of their policy without having to think about it. Freedom Health provides the option but requires you to actively choose and pay for it, which suits those who prefer to keep premiums low and may not see it as a priority.

A Quick Word on Wellness and Proactive Health

Having private medical insurance isn't just about being treated when you're ill; it's also a tool that empowers you to take control of your health. Services like 24/7 GP access allow you to address concerns early, before they become serious problems.

A healthy lifestyle is your first line of defence:

  • Diet: A balanced diet rich in fruits, vegetables, and whole grains can reduce the risk of many chronic conditions.
  • Exercise: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This could be a brisk walk, cycling, or swimming.
  • Sleep: Aim for 7-9 hours of quality sleep per night. It's vital for mental clarity, immune function, and physical recovery.

Using a PMI policy's digital tools can help you stay on top of these pillars of health, creating a positive feedback loop for your overall wellbeing.

Who Wins for You? Making the Right Choice

There is no single "best PMI provider" for everyone. The right choice depends entirely on your personal needs, budget, and philosophy towards insurance.

Here’s a summary to help you decide:

You might prefer...Freedom Health If...April UK If...
Flexibility & ControlYou want to build your policy from the ground up, picking and choosing every element of cover to match your precise needs and budget.You prefer a straightforward, comprehensive policy where the key benefits are already included, and you just need to choose your excess.
Budget ManagementYou want the ability to strip a policy back to its essentials or use options like the NHS cancer downgrade to achieve the lowest premium.You are looking for strong "out-of-the-box" value and are happy to pay for a comprehensive, all-in-one package.
SimplicityYou are comfortable with complexity and enjoy researching options to create the perfect package.You want an easy-to-understand policy from a provider known for making the process simple and clear.
Customer Service StyleYou value a UK-based team and a direct, no-nonsense approach.You value a highly-praised, empathetic claims service and the backing of a large, international group.
Specific NeedsYou have a specific need, like adding dental/optical cover, and want it integrated into one policy.You may have international ties or simply appreciate the simplicity of a plan that covers most eventualities as standard.

Ultimately, both Freedom Health and April UK are fantastic alternatives to the mainstream providers. They offer quality cover, robust financial backing, and a genuine focus on the customer.

The WeCovr Advantage: More Than Just a Quote

Choosing between two excellent but different providers like Freedom and April UK can be challenging. The details matter, and the best policy on paper might not be the best one for you. This is where an independent, expert private medical insurance broker comes in.

At WeCovr, we are authorised and regulated by the Financial Conduct Authority (FCA). Our job is to work for you, not the insurer. We take the time to understand your unique circumstances, budget, and health priorities.

  • Expert, Unbiased Advice: We compare policies from across the market, including Freedom, April UK, and the major providers, to find the perfect fit.
  • We Handle the Hassle: From application to claim, we are here to help. Our advice comes at no cost to you.
  • High Customer Satisfaction: We pride ourselves on the positive feedback we receive from our clients, which reflects our commitment to exceptional service.
  • Exclusive Benefits: When you arrange your health or life insurance through WeCovr, you get more. You’ll receive complimentary access to CalorieHero, our AI-powered nutrition and calorie tracking app, to support your health goals. You may also be eligible for discounts on other policies, such as home or travel insurance.

We can help you decipher the small print, compare underwriting terms, and ensure you're getting the absolute best value for your private health cover.

Does private medical insurance cover pre-existing conditions?

Generally, no. Standard UK private medical insurance (PMI) is designed to cover new, acute medical conditions that arise after your policy begins. Pre-existing conditions, which are any health issues you had before taking out the policy, are typically excluded. The same applies to chronic conditions like diabetes or asthma, whose day-to-day management remains with the NHS.

Is it cheaper to go directly to an insurer than use a broker like WeCovr?

No, it isn't. An independent broker like WeCovr receives a commission from the insurer for introducing a new client, so our expert advice and support service is free for you. In fact, we often have access to preferential rates or deals that are not available to the public, so using a broker can sometimes be cheaper. More importantly, we provide unbiased advice by comparing the whole market to find the best possible policy for your specific needs, not just the products of a single company.

What is the '6-week option' on a PMI policy?

The '6-week option' is a popular way to reduce your private health cover premiums. If you include this option, your policy will only pay for in-patient or day-patient treatment if the waiting time for that treatment on the NHS is longer than six weeks. If the NHS can treat you within six weeks, you would use the NHS. If the wait is longer, your private policy kicks in. It's a cost-effective compromise, ensuring you get prompt treatment for serious issues while keeping your policy affordable.

Ready to explore your options and find the right private medical insurance in the UK?

Get your free, no-obligation quote from a WeCovr expert today and find the perfect cover for you and your family.

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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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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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