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from NHS Frustration to PMI a Small Business Owners Journey

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

As an FCA-authorised expert with over 900,000 policies of various kinds issued, we at WeCovr see firsthand how frustrations with healthcare access can impact lives. This article explores why so many UK entrepreneurs are now turning to private medical insurance for peace of mind and business continuity. Why one entrepreneur invested in private cover Meet Sarah.

Key takeaways

  • Prolonged Sickness Absence: Unlike an employee in a large corporation, a small business owner’s absence can bring operations to a halt. Key decisions are delayed, client relationships can suffer, and growth opportunities are missed.
  • Reduced Productivity: Working through pain or discomfort significantly impacts concentration, creativity, and decision-making. An entrepreneur running at 50% capacity can have a disproportionate effect on their business's performance.
  • Financial Impact: Long-term health issues can lead to a direct loss of income. If you can't work, you can't bill clients or drive new business.
  • Mental Strain: The uncertainty and stress of waiting for a diagnosis or treatment can be debilitating, leading to burnout and affecting mental well-being.
  • Acute Condition (Covered): A condition that starts after your policy begins and is curable. For example, a bone fracture, appendicitis, or a treatable infection.

As an FCA-authorised expert with over 900,000 policies of various kinds issued, we at WeCovr see firsthand how frustrations with healthcare access can impact lives. This article explores why so many UK entrepreneurs are now turning to private medical insurance for peace of mind and business continuity.

Why one entrepreneur invested in private cover

Meet Sarah. She’s the 42-year-old founder of a thriving digital marketing agency in Manchester. For years, she was a staunch supporter of the NHS, relying on it for the odd check-up or minor ailment. But as her business grew, so did her awareness of a critical vulnerability: her own health. The business depended entirely on her energy, her strategic decisions, and her presence.

The turning point came not with a dramatic emergency, but with a nagging pain in her knee. Her GP suspected a torn meniscus and referred her to a specialist. That’s when Sarah collided with the reality of NHS waiting lists. The letter informed her that the wait for an initial consultation with an orthopaedic specialist could be several months, with a further, even longer wait for any potential surgery.

For Sarah, this wasn't just an inconvenience; it was a direct threat to her livelihood. Months of pain, reduced mobility, and uncertainty would mean fewer client meetings, less focus, and a potential stall in the company’s growth. It was a risk she couldn’t afford to take. This experience catalysed her journey into the world of Private Medical Insurance (PMI).

The Tipping Point: NHS Waiting Lists and Business Risk

Sarah’s story is far from unique. For millions in the UK, the National Health Service is a cherished institution, but it is under unprecedented strain. As of early 2025, the challenge of lengthy waiting times remains a significant public concern.

According to the latest NHS England data, the number of people waiting for routine hospital treatment continues to be a major issue, with millions on the list. For a small business owner, these statistics aren't just numbers on a page—they represent a tangible business risk.

Key Business Risks of NHS Waiting Times for Entrepreneurs:

  1. Prolonged Sickness Absence: Unlike an employee in a large corporation, a small business owner’s absence can bring operations to a halt. Key decisions are delayed, client relationships can suffer, and growth opportunities are missed.
  2. Reduced Productivity: Working through pain or discomfort significantly impacts concentration, creativity, and decision-making. An entrepreneur running at 50% capacity can have a disproportionate effect on their business's performance.
  3. Financial Impact: Long-term health issues can lead to a direct loss of income. If you can't work, you can't bill clients or drive new business.
  4. Mental Strain: The uncertainty and stress of waiting for a diagnosis or treatment can be debilitating, leading to burnout and affecting mental well-being.

Let's consider the direct impact on a business like Sarah's.

Business FunctionImpact of Owner's Prolonged Health Issue
Client ManagementDelayed responses, missed meetings, potential loss of key accounts.
New BusinessInability to network, pitch for new projects, or drive sales.
Team LeadershipReduced morale, lack of direction, and stalled team development.
Strategic PlanningNo capacity for long-term thinking, business stagnates.
Financial HealthCash flow disruption due to inability to complete work and invoice.

Faced with this reality, Sarah realised that relying solely on the NHS was no longer a viable business strategy. She needed a plan B.

What is Private Medical Insurance (PMI) and What Does It Actually Cover?

Private Medical Insurance, often called private health cover, is an insurance policy that covers the cost of private healthcare for specific conditions. In simple terms, it's designed to help you bypass NHS waiting lists and get treated more quickly for eligible medical issues.

The core purpose of PMI is to diagnose and treat acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of things like joint replacements, cataract surgery, or hernia repairs.

The Crucial Distinction: Acute vs. Chronic Conditions

This is the most important concept to understand about UK private medical insurance.

  • Acute Condition (Covered): A condition that starts after your policy begins and is curable. For example, a bone fracture, appendicitis, or a treatable infection.
  • Chronic Condition (NOT Covered): A long-term condition that requires ongoing management and has no known cure. Examples include diabetes, asthma, arthritis, and high blood pressure. PMI is not designed to cover the day-to-day management of these conditions.

What about Pre-Existing Conditions?

This is another critical point: Standard private medical insurance in the UK does not cover pre-existing conditions. A pre-existing condition is any disease, illness, or injury for which you have experienced symptoms, received medication, advice, or treatment before your policy started.

Insurers use a process called underwriting to assess your health history and determine what they will and won't cover.

Here’s a general breakdown of what a typical PMI policy might include versus what it usually excludes.

Typically Covered by PMITypically NOT Covered by PMI
In-patient & Day-patient Treatment: Surgery, hospital stays, nursing care.Chronic Conditions: Ongoing management of conditions like diabetes or asthma.
Out-patient Cover: Specialist consultations, diagnostic tests (like MRI/CT scans).Pre-existing Conditions: Any illness you had before taking out the policy.
Cancer Cover: Comprehensive cover for diagnosis and treatment (a core feature).Routine Pregnancy & Childbirth: Though complications may be covered.
Mental Health Support: Access to therapists, psychologists, or psychiatrists.Cosmetic Surgery: Procedures that are not medically necessary.
Alternative Therapies: Physiotherapy, osteopathy, chiropractic treatment.Emergency Services: A&E visits are handled by the NHS.
Digital GP Services: 24/7 access to a GP via phone or video call.Organ Transplants & Experimental Treatment.

Understanding these boundaries is key to having realistic expectations of what private health cover can do for you. It's not a replacement for the NHS—it's a complementary service designed to give you speed, choice, and comfort for specific, treatable health issues.

The Research Process: Navigating the UK PMI Market

Once Sarah decided to explore PMI, she was faced with a dizzying array of options, providers, and jargon. This is a common experience. The market is complex, and choosing the right policy requires careful consideration.

This is where an expert, independent PMI broker becomes invaluable. A specialist broker like WeCovr can demystify the process, compare policies from across the market, and help you find cover that fits your specific needs and budget—all at no extra cost to you.

Here are the key factors Sarah had to consider, and what you should too:

1. Underwriting Type

This determines how the insurer assesses your medical history.

  • Moratorium Underwriting: This is the most common type. You don't need to provide your full medical history upfront. The insurer applies a "wait-and-see" approach. They will typically exclude any condition you've had symptoms of or treatment for in the last 5 years. However, if you go for a set period (usually 2 years) without any symptoms, advice, or treatment for that condition after your policy starts, it may become eligible for cover.
  • Full Medical Underwriting (FMU): You complete a detailed health questionnaire at the start. The insurer assesses it and tells you exactly what is excluded from day one. This provides more certainty but can be a more intrusive process.
Underwriting TypeProsCons
MoratoriumQuicker and less intrusive to set up.Claims process can be slower as checks are done then. Initial uncertainty about what's covered.
Full Medical (FMU)Complete clarity on exclusions from the start.Requires a detailed medical declaration. Can take longer to set up the policy.

2. Level of Cover

PMI policies are usually tiered.

  • Basic: Covers in-patient and day-patient treatment only. Ideal for those wanting cover for major procedures but happy to use the NHS for diagnostics.
  • Mid-Range: Adds a level of out-patient cover, often up to a set financial limit (e.g., £1,000). This covers specialist consultations and some diagnostic tests.
  • Comprehensive: Offers extensive in-patient and out-patient cover, often including alternative therapies, mental health support, and more. This is the most expensive but provides the most complete peace of mind.

3. The Hospital List

Insurers have different lists of hospitals where you can receive treatment. A cheaper policy might have a more restricted local list, while a premium policy will offer a nationwide or even a central London list. It's vital to check that convenient, high-quality hospitals are on your chosen list.

4. The Excess

This is the amount you agree to pay towards a claim. For example, if you have a £250 excess and your treatment costs £3,000, you pay the first £250, and the insurer pays the rest. Choosing a higher excess is a simple way to lower your monthly premium.

5. The Six-Week Wait Option

This is another popular way to reduce costs. With this option, if the NHS can treat you within six weeks for an eligible condition, you use the NHS. If the wait is longer than six weeks, your private policy kicks in. This effectively makes your PMI a safety net against long NHS delays.

A Look at the Costs: Is PMI Affordable for a Small Business?

A common misconception is that private medical insurance is prohibitively expensive. While comprehensive plans can be costly, there are many ways to tailor a policy to make it affordable, even for a sole trader or small business owner on a tight budget.

The cost of a policy depends on several factors:

  • Age: Premiums increase as you get older.
  • Location: Cover is often more expensive in London and the South East.
  • Level of Cover: A comprehensive plan costs more than a basic one.
  • Excess: A higher excess leads to a lower premium.
  • Smoker Status: Non-smokers pay less.

To give you an idea, here are some illustrative monthly costs for an individual PMI policy for a healthy non-smoker. These are estimates only and your actual quote will vary.

AgeLocationLevel of CoverEstimated Monthly Premium
35MidlandsBasic (In-patient only, £500 excess)£35 - £50
45ManchesterMid-Range (with £1,000 out-patient)£60 - £85
55LondonComprehensive (full out-patient)£120 - £180+

For a business owner like Sarah, a premium of £70 per month for a solid mid-range policy was a small price to pay for the security it offered. She viewed it not as a personal luxury, but as a critical business insurance—as essential as her professional indemnity or office cover.

Furthermore, for a limited company, the cost of the director's health insurance premium is generally an allowable business expense, making it more tax-efficient. However, it is treated as a P11D 'benefit in kind' for the individual, meaning they will have to pay income tax on the value of the premium. It's always wise to discuss this with your accountant.

The Benefits Beyond Faster Treatment: Wellness and Peace of Mind

Modern private medical insurance UK providers offer far more than just quick access to surgeons. They have evolved into holistic health and wellness partners, providing a suite of benefits designed to keep you healthy in the first place.

These value-added services are particularly beneficial for busy entrepreneurs:

  • Digital GP Services: Get a GP appointment via video or phone, often within hours, 24/7. This is perfect for getting quick advice, prescriptions, or referrals without leaving the office.
  • Mental Health Support: Many policies now include dedicated phone lines for counselling or access to a set number of therapy sessions, recognising the immense pressure on business owners.
  • Wellness Programmes & Discounts: Insurers often partner with gyms, fitness trackers, and healthy food services to offer discounts, encouraging a proactive approach to health.
  • Second Opinion Services: If you receive a serious diagnosis, you can get access to a world-leading expert for a second opinion, providing invaluable reassurance.

At WeCovr, we enhance this further. All our PMI clients receive complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, helping you take control of your diet. We also offer our valued clients discounts on other essential insurance products, such as life insurance or income protection, creating a comprehensive safety net.

Ultimately, the biggest benefit is intangible: peace of mind. Knowing that should a health issue arise, you have a plan to deal with it swiftly allows you to focus 100% of your energy on what you do best—running your business.

Small Business Health Insurance: Protecting Your Most Valuable Asset - Your Team

Sarah's journey started with protecting herself, but she soon realised the same logic applied to her small team of five key employees. What would happen if her lead designer or senior account manager faced a long wait for treatment? The impact on projects and client delivery would be severe.

This led her to explore a small business group health insurance scheme. Group schemes offer several advantages over individual policies:

  1. Cost-Effectiveness: Premiums per person are often lower on a group scheme than for individual policies.
  2. Attraction & Retention: Offering private health cover is a highly valued employee benefit that can help you attract and keep the best talent in a competitive market.
  3. Reduced Sickness Absence: Quick access to treatment means employees return to work faster, boosting overall productivity. The ONS reported that in 2023, an estimated 185.6 million working days were lost because of sickness or injury in the UK. A PMI scheme can directly help reduce this number in your business.
  4. Better Underwriting Terms: For slightly larger groups (sometimes as few as 10-20 employees), insurers may offer 'Medical History Disregarded' (MHD) underwriting. This is the gold standard, as it covers eligible pre-existing conditions, a benefit not available on individual plans.

Setting up a group scheme is a specialised area. An expert PMI broker can help you survey your team's needs, design a plan that fits your budget, and manage the administration, making the process seamless.

A Healthier Business, A Healthier You: Proactive Wellness Tips

While insurance is a crucial safety net, prevention is always better than cure. For an entrepreneur, personal wellness is a core business strategy. Here are some simple, actionable tips to stay healthy and resilient amidst the pressures of running a business.

1. Fuel for Focus: The Entrepreneur's Diet

  • Prioritise Protein: Start your day with protein (eggs, Greek yoghurt) to stabilise blood sugar and maintain energy levels.
  • Smart Snacking: Keep healthy snacks like nuts, fruit, or protein bars on hand to avoid energy slumps and reaching for sugary treats.
  • Hydrate Relentlessly: Dehydration is a leading cause of fatigue and headaches. Keep a water bottle on your desk at all times.
  • Mindful Eating: Step away from your desk to eat. This improves digestion and gives your brain a much-needed break.

2. The Ultimate Productivity Tool: Sleep

  • Consistent Schedule: Try to go to bed and wake up at the same time every day, even on weekends. This regulates your body's internal clock.
  • Digital Sunset: Avoid screens (phones, laptops) for at least an hour before bed. The blue light can interfere with melatonin production, the hormone that controls sleep.
  • Create a Restful Environment: Ensure your bedroom is dark, quiet, and cool.

3. Move Your Body, Free Your Mind

  • "Exercise Snacking": You don't need an hour at the gym. Break up long periods of sitting with short bursts of activity. A 10-minute walk, some stretches, or a few flights of stairs can make a huge difference.
  • Walking Meetings: If you have a one-to-one call, take it while walking outside. It boosts creativity and energy.
  • Schedule It In: Block out time in your calendar for exercise as if it were a critical client meeting.

4. Manage Stress Before It Manages You

  • The 5-Minute Rule: When feeling overwhelmed, take just five minutes to step away. Focus on your breathing, listen to a calming piece of music, or simply look out of a window.
  • Set Boundaries: Learn to say no. As a business owner, your time and energy are your most precious resources. Protect them fiercely.
  • Delegate and Trust: You don't have to do everything yourself. Delegating tasks not only frees up your time but also empowers your team.

Sarah’s journey from NHS frustration to investing in PMI was about more than just buying an insurance policy. It was a fundamental shift in mindset. She recognised that her health and her business’s health were inextricably linked. By investing in a robust private health cover plan, she wasn't just buying faster medical treatment; she was buying security, continuity, and the confidence to focus on growing her business, knowing she had a powerful safety net in place.


Does private health insurance cover pre-existing conditions?

Generally, no. Standard UK private medical insurance is designed to cover new, acute conditions that arise after your policy has started. Any medical condition for which you have had symptoms, treatment, or advice in the years leading up to your policy start date is considered pre-existing and will be excluded from cover.

What is the difference between moratorium and full medical underwriting?

Full Medical Underwriting (FMU) requires you to disclose your full medical history upfront. The insurer then tells you exactly what is excluded from cover. Moratorium underwriting is simpler to set up as it doesn't require a medical questionnaire. Instead, it automatically excludes conditions you've had in the last 5 years. However, if you remain symptom and treatment-free for that condition for a continuous 2-year period after your policy starts, the exclusion may be lifted.

Why should I use a broker like WeCovr instead of going direct to an insurer?

An expert, independent broker like WeCovr works for you, not the insurer. We provide impartial advice and compare policies from a wide range of leading UK providers to find the best fit for your needs and budget. We demystify the jargon, help tailor your policy, and this service comes at no extra cost to you. Going direct limits you to only one provider's options.

Is business health insurance a taxable benefit for my employees?

Yes. When a company pays for an employee's private medical insurance, it is considered a 'benefit in kind'. While the company can usually claim the premium as an allowable business expense against Corporation Tax, the employee will need to pay income tax on the value of the benefit. The company will report this to HMRC on a P11D form.

Ready to secure your peace of mind and protect your business? The expert advisors at WeCovr are here to help. We provide free, no-obligation quotes and compare the UK's leading insurers to find the perfect private medical insurance for you.

[Get Your Free PMI Quote Today]

Sources

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

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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