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Gastric Bypass Surgery

Gastric Bypass Surgery 2026 | Top Insurance Guides

WeCovr explains gastric bypass surgery and private healthcare options in the UK

As an FCA-authorised expert that has helped arrange over 900,000 policies, WeCovr explains gastric bypass surgery and your options for private medical insurance in the UK. This guide breaks down the procedure, costs, and how private healthcare can fit into your journey towards a healthier life.

What is Gastric Bypass Surgery?

Gastric bypass, medically known as a Roux-en-Y gastric bypass, is a type of weight-loss (bariatric) surgery. It's a significant medical procedure designed to help individuals with clinically severe obesity lose a substantial amount of weight and improve their health.

The surgery works in two main ways:

  1. Restriction: The surgeon creates a small pouch at the top of your stomach, about the size of a walnut. This pouch holds much less food than your entire stomach, so you feel full much more quickly.
  2. Malabsorption: The surgeon then connects this new, small stomach pouch directly to the middle part of your small intestine. This "bypasses" the rest of your stomach and the first part of your small intestine, meaning your body absorbs fewer calories and nutrients from the food you eat.

This combination makes it a very effective tool for long-term weight loss and for improving or resolving obesity-related health conditions like type 2 diabetes, high blood pressure, and sleep apnoea.

Who is a Suitable Candidate for Gastric Bypass?

Deciding to have gastric bypass surgery is a major life decision. It isn't a "quick fix" and is generally recommended only when other methods like diet and exercise have been unsuccessful. The criteria for suitability are similar for both the NHS and private healthcare providers.

You might be considered a suitable candidate if you meet the following criteria:

  • Body Mass Index (BMI): You have a BMI of 40 or more, or a BMI between 35 and 40 along with a serious health condition that could be improved with weight loss (e.g., type 2 diabetes, high blood pressure).
  • Previous Attempts: You have tried other weight loss methods, such as dieting and exercise, over a significant period without sustained success.
  • Commitment to Change: You are prepared to commit to lifelong changes in your diet, exercise habits, and regular medical follow-ups.
  • General Health: You are generally fit enough to undergo anaesthesia and major surgery.
  • Psychological Readiness: You have received a psychological assessment to ensure you understand the risks, benefits, and the extensive lifestyle changes required.

According to NHS Digital's 2023 statistics, around 26% of adults in England are living with obesity. Bariatric surgery is a recognised treatment, but strict criteria ensure it's used for those who will benefit most and are prepared for the journey.

The Gastric Bypass Procedure: A Step-by-Step Guide

Understanding the surgical process can help demystify it and reduce anxiety. Most gastric bypass operations in the UK are now performed laparoscopically (keyhole surgery), which means less pain, smaller scars, and a faster recovery compared to traditional open surgery.

Here’s a simplified breakdown of what happens:

  1. Anaesthesia: You will be given a general anaesthetic, meaning you'll be asleep and won't feel anything during the operation.
  2. Incisions: The surgeon makes several small cuts (incisions) in your abdomen.
  3. Inflation: Carbon dioxide gas is used to gently inflate your abdomen, giving the surgeon a clear view and more room to work.
  4. Creating the Pouch: Using a surgical stapler, the surgeon divides the top of your stomach to create the small pouch. The larger, remaining part of the stomach is not removed but is sealed off.
  5. Rerouting the Intestine: The surgeon then divides the small intestine and brings one end up to connect it directly to the newly created stomach pouch.
  6. Reconnecting: The other end of the small intestine is reconnected further down. This allows digestive juices from the bypassed stomach and upper intestine to mix with food, enabling digestion to continue.
  7. Closing Up: Once the new digestive route is complete, the surgical instruments are removed, the gas is released, and the small incisions are closed with stitches or surgical glue.

The entire procedure typically takes between 2 to 4 hours. You will usually stay in the hospital for 2 to 3 nights afterwards for monitoring.

Life After Gastric Bypass: Diet, Recovery, and Long-Term Changes

The recovery journey is just as important as the surgery itself. Your success depends on your commitment to a new way of living.

Immediate Post-Op Diet: Your digestive system needs time to heal. Your diet will progress slowly over several weeks:

  • Week 1: Liquids only (water, broth, sugar-free drinks).
  • Weeks 2-4: Pureed foods (blended soups, yoghurts, protein shakes).
  • Weeks 5-8: Soft foods (scrambled eggs, mashed potatoes, cooked fish).
  • After 8 weeks: You can gradually reintroduce solid foods, but in very small portions.

Long-Term Lifestyle Changes:

  • Portion Control: Your new stomach pouch can only hold a small amount. You'll need to eat tiny meals, chew thoroughly, and eat slowly.
  • Nutritional Supplements: Because your body absorbs fewer nutrients, you will need to take vitamin and mineral supplements for the rest of your life. This typically includes a multivitamin, calcium, vitamin D, iron, and vitamin B12.
  • Regular Exercise: Physical activity is crucial for maximising weight loss, improving muscle tone, and boosting your overall well-being.
  • Hydration: You must drink plenty of water between meals, but avoid drinking with meals as this can fill up your small pouch too quickly.
  • Follow-Up Appointments: You'll have regular check-ups with your surgical team, including dietitians and specialist nurses, to monitor your progress and health.

As a WeCovr client with private medical insurance or life insurance, you also get complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. This can be an invaluable tool to help you manage your diet and stay on track with your nutritional goals post-surgery.

Gastric Bypass on the NHS: Waiting Lists and Criteria

The NHS provides excellent bariatric surgery services, but access can be challenging due to high demand and long waiting lists.

The NHS Pathway:

  1. GP Referral: Your journey starts with a visit to your GP, who will assess your suitability and refer you to a specialist weight management service.
  2. Tier 3 Service: You will typically need to complete a Tier 3 weight management programme for 12-24 months. This involves supervised diet, exercise, and psychological support.
  3. Surgical Assessment: If you meet the criteria after completing the programme, you will be referred for a surgical assessment.
  4. Waiting List: If approved for surgery, you will be placed on the waiting list.

According to NHS England data, the waiting list for elective treatments remains a significant challenge. As of early 2025, patients referred for consultant-led elective care can wait many months, and the wait for bariatric surgery can often be longer than the 18-week target.

The Private Route: Why Choose Private Healthcare for Gastric Bypass?

For those who can afford it or have a way to fund it, going private offers a much faster alternative to the NHS pathway.

Key Benefits of Private Bariatric Surgery:

  • Speed: You can often have an initial consultation within weeks and surgery scheduled shortly after, bypassing the long NHS waiting lists.
  • Choice: You have more choice over your surgeon and the hospital where you have your procedure.
  • Comfort: Private hospitals typically offer private rooms with en-suite facilities, more flexible visiting hours, and other home comforts.
  • Comprehensive Aftercare: Private packages usually include a comprehensive aftercare programme, with dedicated support from dietitians, nurses, and psychologists for up to two years post-surgery.

How Much Does Gastric Bypass Surgery Cost Privately in the UK?

The cost of private gastric bypass surgery in the UK varies depending on the hospital, the surgeon's fees, and the location. The price is usually quoted as an all-inclusive package.

Here are some estimated costs for 2025:

ProcedureLondon Average CostUK Regional Average CostWhat's Typically Included
Gastric Bypass£13,000 - £16,000£11,000 - £14,000Surgeon & anaesthetist fees, hospital stay, pre-op tests, 2-year aftercare
Gastric Sleeve£11,000 - £14,000£9,500 - £12,000Surgeon & anaesthetist fees, hospital stay, pre-op tests, 2-year aftercare
Gastric Band£7,000 - £9,000£6,000 - £8,000Surgeon & anaesthetist fees, hospital stay, band adjustments for 1-2 years

These are guide prices. It's essential to get a fixed-price quotation from your chosen provider that clearly outlines everything included in the package.

Does Private Medical Insurance Cover Gastric Bypass Surgery?

This is one of the most common questions we receive, and the answer requires careful explanation.

Standard UK private medical insurance (PMI) does NOT cover gastric bypass surgery or any form of weight loss treatment.

Here’s why:

  • PMI is for Acute Conditions: Private health cover is designed to treat acute conditions—illnesses or injuries that are unexpected, curable, and arise after you take out your policy. Examples include a hernia repair, joint replacement for sudden arthritis, or cancer treatment.
  • Obesity is a Chronic Condition: Obesity is classified as a chronic condition, meaning it is long-term and develops over time. The need for bariatric surgery is a direct result of this long-standing condition.
  • Pre-existing Condition Exclusion: All PMI policies exclude treatment for pre-existing conditions. As obesity would be present before you bought the policy, any treatment for it, including surgery, is automatically excluded.
  • Specific Exclusions: Most insurance policy documents explicitly list bariatric or weight loss surgery as a standard exclusion.

So, what is private medical insurance useful for?

While your private medical insurance UK policy won't pay for the gastric bypass operation itself, it can be incredibly valuable for related health issues. For example, your PMI policy could cover:

  • Diagnostic Tests: Fast access to consultations and scans (like MRI or CT scans) to diagnose obesity-related conditions such as joint pain, gallstones, or sleep apnoea.
  • Treatment for Related Acute Conditions: If you develop a new, acute condition that is covered by your policy (e.g., you need your gallbladder removed), your PMI can provide prompt treatment.
  • Post-Surgery Complications: In some cases, if you suffer a new, unforeseen complication after your surgery (which you paid for yourself), your PMI might cover the treatment for that complication, as it could be classed as a new, acute condition. However, this is highly dependent on the insurer and your specific policy wording.

An expert PMI broker like WeCovr can help you understand these nuances. We can review policy documents to find the best PMI provider for your overall health needs, ensuring you have robust cover for the unexpected, even if it doesn't extend to the bariatric surgery itself.

How WeCovr Can Help You Navigate Your Options

Navigating the world of healthcare can be complex. At WeCovr, we provide clarity and support at no cost to you.

  • Expert Advice: We are specialists in the private medical insurance market. We can explain the limitations and benefits of different policies, ensuring you have realistic expectations about what is and isn't covered.
  • Market Comparison: We compare policies from across the market to find the right private health cover for your needs and budget. This saves you time and ensures you get competitive terms.
  • Holistic Support: When you purchase PMI or life insurance through us, you gain access to valuable perks like our CalorieHero app and discounts on other types of insurance, helping you manage your health and finances more effectively.

Comparing Private Hospitals and Surgeons for Bariatric Surgery

If you choose the private route, selecting the right hospital and surgeon is paramount.

What to look for in a Hospital:

  • CQC Rating: Check the Care Quality Commission (CQC) rating for the hospital.
  • Specialist Facilities: Ensure the hospital has a dedicated bariatric unit with experienced staff and intensive care facilities.
  • Patient Reviews: Look for testimonials and reviews from previous bariatric patients.

What to look for in a Surgeon:

  • GMC Registration: Verify the surgeon is on the General Medical Council (GMC) specialist register.
  • Experience: Ask how many gastric bypass procedures they perform each year. High volume is often linked to better outcomes.
  • Memberships: Look for memberships in professional bodies like the British Obesity and Metabolic Surgery Society (BOMSS).
  • Consultation: You should feel comfortable with your surgeon. They should listen to your concerns, explain the risks and benefits clearly, and not pressure you into a decision.

Alternatives to Gastric Bypass Surgery

Gastric bypass is a powerful procedure, but it's not the only option. Your surgeon will discuss which procedure is best suited to your individual circumstances.

Surgical OptionHow It WorksAverage Weight Loss (% of excess)Key Considerations
Gastric BypassCreates a small stomach pouch and bypasses part of the small intestine.60-80%Highly effective for weight loss and diabetes. Requires lifelong supplements. Irreversible.
Gastric SleeveRemoves about 80% of the stomach, leaving a "sleeve"-shaped tube.50-70%No rerouting of intestines. Lower risk of nutritional deficiencies than bypass. Irreversible.
Gastric BandAn adjustable silicone band is placed around the top of the stomach to create a small pouch.40-50%Less invasive and reversible. Requires regular adjustments. Higher rate of re-operation.
Gastric BalloonA temporary, non-surgical option where a balloon is placed in the stomach for 6-12 months.10-15%Non-surgical and temporary. Used to kick-start weight loss. Weight regain is common after removal.

Risks and Complications of Gastric Bypass Surgery

Like any major operation, gastric bypass comes with risks. Your surgical team will discuss these with you in detail.

Short-Term Risks:

  • Infection
  • Blood clots
  • Bleeding
  • Adverse reaction to anaesthesia
  • Leaks from the staple lines

Long-Term Risks:

  • Dumping Syndrome: Food moves too quickly from the stomach to the small intestine, causing nausea, vomiting, cramps, and diarrhoea, especially after eating sugary or high-fat foods.
  • Nutritional Deficiencies: Lifelong risk of anaemia, osteoporosis, and other issues due to poor absorption of vitamins and minerals.
  • Bowel Obstruction: Scar tissue can cause a blockage in the bowel.
  • Gallstones: Rapid weight loss can lead to the formation of gallstones.
  • Hernias: Can occur at the incision sites.

Despite these risks, for many patients, the health benefits of significant and sustained weight loss far outweigh the potential complications.

Will my private medical insurance pay for gastric bypass surgery?

Generally, no. Standard private medical insurance in the UK does not cover surgery for weight loss, including gastric bypass. This is because PMI is designed for acute conditions that arise unexpectedly after your policy begins, whereas obesity is considered a long-term, chronic condition that pre-dates the policy. Most policies have a specific exclusion for bariatric surgery.

How long is the recovery time after a gastric bypass?

You will typically stay in the hospital for 2 to 3 nights. Most people can return to work and normal activities within 4 to 6 weeks, depending on the nature of their job. The dietary transition from liquids to solids takes around 8 weeks, but the full adjustment to your new lifestyle is a lifelong commitment.

Is gastric bypass surgery reversible?

While a gastric bypass is technically reversible, the reversal procedure is complex and carries significant risks. For this reason, it is considered a permanent procedure and should only be undertaken with the expectation that it will not be reversed.

Take the Next Step with WeCovr

Understanding your health and insurance options is the first step towards taking control. While a standard PMI policy won't fund your bariatric surgery, it is a vital safety net for managing other acute health concerns quickly and effectively.

Let the expert team at WeCovr help you find the best private medical insurance for your needs, giving you peace of mind for the future. We compare leading insurers to find cover that fits your life and budget, all at no cost to you.

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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
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• Diagnostic tests and scans
• Physiotherapy and rehabilitation
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Questions to ask yourself regarding private medical insurance

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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.

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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
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Mental Health Support
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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!

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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.

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

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

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

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

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

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

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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.

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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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