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Going Private Why 71% of Britons Now Consider Private Healthcare

Going Private Why 71% of Britons Now Consider Private...

A seismic shift is underway in how Britons view their healthcare. At WeCovr, an FCA-authorised broker that has helped arrange over 800,000 policies, we've analysed the new landscape. The data reveals a dramatic rise in people exploring private medical insurance in the UK to safeguard their health and wellbeing.

Survey findings showing dramatic increase in private healthcare interest, key motivators, and evolving public perceptions

The love for our National Health Service runs deep in the UK's cultural DNA. For decades, it has been the bedrock of our health, a service to be proud of. Yet, the ground is shifting. A landmark survey conducted in early 2025 has sent a clear message: the British public's relationship with healthcare is evolving at an unprecedented pace.

The headline finding is stark: 71% of UK adults now say they are actively considering or would consider using private healthcare for themselves or their families. This figure represents a monumental change in public attitude, more than doubling from pre-pandemic levels, which consistently hovered around the 30-35% mark.

This isn't a story about abandoning the NHS. Rather, it's about a pragmatic re-evaluation of how to navigate a healthcare system under immense pressure. People are not looking to replace the NHS but to supplement it, creating a personal 'health safety net' to bypass queues and gain control when they need it most. The era of the hybrid healthcare consumer has truly begun.

The Core Motivators: Why Are Britons Looking Beyond the NHS?

This surge in interest isn't happening in a vacuum. It's a direct response to tangible, everyday concerns that affect millions. Four key drivers are consistently pushing private healthcare to the forefront of people's minds.

NHS Waiting Times: The Primary Driver

The single biggest factor fuelling the interest in private health cover is the strain on NHS services. According to the latest data from NHS England, the elective care waiting list remains stubbornly high, with over 7.7 million treatment pathways in the queue as of mid-2025. This number translates into real people—neighbours, colleagues, and family members—living with pain, uncertainty, and anxiety.

For many, the prospect of waiting 18, 24, or even 36 months for procedures like hip replacements, cataract surgery, or gynaecological investigations is untenable. It impacts their ability to work, care for their families, and enjoy a basic quality of life.

Consider a real-world scenario: a self-employed electrician in his 50s develops debilitating knee pain. His GP refers him for an MRI and a potential knee replacement, but the local wait time is over a year. Every day he can't work is a day without income. For him, a private medical insurance policy isn't a luxury; it's a tool to protect his livelihood. It could mean the difference between a few weeks of disruption and over a year of financial hardship.

Here’s how the timelines can differ:

ProcedureTypical NHS Waiting Time (Referral to Treatment)Typical Private Healthcare Timeline
Hip/Knee Replacement12 - 24 months+4 - 8 weeks
Cataract Surgery9 - 18 months3 - 6 weeks
Hernia Repair6 - 15 months2 - 5 weeks
Endoscopy/Colonoscopy4 - 9 months1 - 3 weeks

Note: Timelines are illustrative and can vary by region, hospital, and individual circumstances.

A Desire for Control and Choice

Beyond speed, people are seeking greater control over their healthcare journey. Private medical insurance offers a level of choice and convenience that the NHS, by its very nature, cannot provide.

This includes:

  • Choosing your specialist: The ability to research and select a leading consultant for your specific condition.
  • Choosing your hospital: Selecting a hospital that is convenient, has an excellent reputation, or offers specific facilities.
  • Choosing your timing: Scheduling appointments, scans, and surgery around your work and family commitments, not the other way around.
  • Enhanced comfort: The benefit of a private room, en-suite facilities, more flexible visiting hours, and often, better food. This can significantly reduce the stress of a hospital stay.

The Rise of "Health Anxiety"

The global pandemic fundamentally reset our collective awareness of health. It brought our vulnerability into sharp focus and fostered a powerful desire for rapid answers. This 'health anxiety' persists. People are less willing to "wait and see."

A nagging pain, an unusual symptom, or a worrying lump triggers an immediate need for diagnostics. The thought of waiting weeks for a GP appointment, followed by months for a scan or specialist consultation, is a source of immense mental anguish. Private health cover offers a direct path to peace of mind, providing swift access to the diagnostic tests that can either confirm a problem or, just as importantly, provide rapid reassurance.

The Changing World of Work

For the UK's 4.2 million self-employed individuals and countless small business owners, time off due to ill health is a direct hit to their income. They lack the safety net of statutory sick pay and the support of a large corporate structure. For them, private medical insurance is a business continuity tool, ensuring they can get back on their feet and back to earning as quickly as possible.

Simultaneously, in a competitive job market, employers are increasingly using private health cover as a premium employee benefit. It demonstrates a genuine commitment to staff wellbeing, helps attract top talent, and reduces absenteeism by ensuring employees get treated faster.

What is Private Medical Insurance (PMI) and How Does it Actually Work?

With so many people considering it, it's crucial to understand what private medical insurance (PMI) is and, just as importantly, what it isn't. Think of it as a policy that covers the cost of private medical treatment for specific conditions that arise after you take out the policy.

Demystifying the Jargon: A Plain English Guide

The world of insurance can be confusing. Here are the key terms you need to know, explained simply.

Acute vs. Chronic: The Golden Rule

This is the most important distinction in all of private medical insurance.

  • An Acute Condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include a hernia, joint pain needing replacement, cataracts, or appendicitis. PMI is designed to cover acute conditions.
  • A Chronic Condition is an illness that cannot be cured but can be managed. It's long-term and often lifelong. Examples include diabetes, asthma, high blood pressure, and Crohn's disease. Standard UK private medical insurance DOES NOT cover the management of chronic conditions. You will still rely on the NHS for this.

Pre-existing Conditions

This refers to any illness, injury, or symptom you had before your policy started, whether you were diagnosed or not. Generally, PMI policies exclude pre-existing conditions to prevent people from taking out cover only when they know they need treatment.

There are two main ways insurers handle this:

  1. Moratorium Underwriting: This is the most common. The insurer doesn't ask for your full medical history upfront. Instead, they typically won't cover any condition you've had symptoms of, or received treatment for, in the 5 years before your policy began. However, if you go a continuous 2-year period after your policy starts without any symptoms, treatment, or advice for that condition, it may become eligible for cover.
  2. Full Medical Underwriting (FMU): You declare your full medical history on an application form. The insurer then assesses it and explicitly lists any conditions that will be permanently excluded from your cover. It provides certainty from day one but requires more paperwork.

Excess (or Deductible)

This is the amount you agree to pay towards a claim each year. For example, if you have a £250 excess and your treatment costs £3,000, you pay the first £250 and the insurer pays the remaining £2,750. Choosing a higher excess is a common way to lower your monthly premium.

In-patient, Day-patient, and Out-patient

  • In-patient: Treatment that requires a stay in a hospital bed overnight.
  • Day-patient: Treatment that requires a hospital bed for the day, but you don't stay overnight (e.g., a minor surgical procedure).
  • Out-patient: Consultations, tests, or scans that don't require a hospital bed (e.g., seeing a specialist or having an MRI). Basic policies may limit or exclude out-patient cover, while comprehensive policies include it.

The Patient Journey: A Step-by-Step Example

So, how does it work in practice?

  1. You feel unwell: You develop a new symptom, like a painful shoulder. Your first port of call is usually your NHS GP.
  2. GP Referral: The GP examines you and suspects a torn rotator cuff. They refer you to see an orthopaedic specialist.
  3. Contact Your Insurer: Instead of joining the NHS waiting list, you call your PMI provider's claims line. You give them your policy number and your GP's referral details.
  4. Authorisation: The insurer confirms your condition is covered and authorises a specialist consultation. They may provide you with a list of approved specialists.
  5. Book Your Appointment: You book a private appointment with the specialist, often within days.
  6. Treatment: The specialist confirms the diagnosis and recommends physiotherapy and possibly keyhole surgery. You get pre-authorisation from your insurer for this treatment.
  7. Payment: You have the surgery at a private hospital. The hospital and specialist send their bills directly to your insurance company. You simply pay your pre-agreed excess, and the rest is taken care of.

The Real Cost of UK Private Health Cover: Is It Affordable?

One of the biggest myths about PMI is that it's exclusively for the wealthy. While comprehensive cover can be expensive, modern policies are flexible and can be tailored to fit a wide range of budgets. The price you pay is highly personal and depends on several factors.

Here is an illustrative table of potential monthly costs. These are averages and your quote may be higher or lower.

Age GroupBasic Cover (e.g., £500 Excess, Limited Hospital List)Comprehensive Cover (e.g., £100 Excess, Full UK List)
25-35£30 - £55 per month£70 - £110 per month
45-55£65 - £90 per month£130 - £200 per month
65+£110 - £160 per month£220 - £380+ per month

Factors That Influence Your Premium

  • Age: This is the most significant factor. The risk of illness increases with age, so premiums are higher for older individuals.
  • Location: Treatment costs vary across the UK. Living in London or the South East, where private hospital costs are highest, can increase your premium.
  • Level of Cover: A basic, in-patient-only policy is the cheapest. Adding out-patient cover, therapies, and mental health support will increase the cost.
  • Excess: The higher the excess you are willing to pay, the lower your monthly premium will be.
  • Hospital List: Insurers offer different tiers of hospitals. Choosing a more restricted local network is cheaper than a policy that gives you access to every private hospital in the UK, including premium London ones.
  • No Claims Discount: Many insurers offer a no claims discount that increases each year you don't make a claim, rewarding you for staying healthy.
  • Lifestyle: Smokers will almost always pay more than non-smokers.

How to Make Private Medical Insurance More Affordable

Cost is a valid concern, but there are smart ways to manage it:

  1. Increase Your Excess: Moving from a £0 or £100 excess to £500 can significantly reduce your premium.
  2. Consider a "6-Week Wait" Option: This is a clever compromise. Your policy will only kick in if the NHS waiting time for the in-patient treatment you need is longer than six weeks. If the NHS can treat you within that timeframe, you use the NHS. This can lower your premium by 20-30%.
  3. Review Your Hospital List: Do you really need access to every hospital in the country? Opting for a list that covers quality local hospitals can be much more cost-effective.
  4. Talk to an Expert Broker: This is arguably the most effective step. An independent broker like WeCovr does the hard work for you. We compare policies from a wide panel of leading UK insurers to find the one that offers the best value for your specific needs and budget. Our service is completely free to you, as we are paid by the insurer you choose.

Beyond Treatment: The Rise of Wellness and Prevention in PMI

Modern private health cover is about much more than just paying for operations. The best PMI providers have evolved to become proactive health partners, offering a suite of benefits designed to keep you healthy in the first place.

Digital GP Services and Mental Health Support

A standout feature of most policies today is 24/7 access to a virtual GP. This allows you to have a video or phone consultation with a doctor from the comfort of your home, often within hours. They can issue prescriptions, provide advice, and make referrals, saving you a long wait for an in-person NHS GP appointment.

Furthermore, recognising the growing mental health crisis, many policies now include generous cover for mental health support. This can include access to a set number of sessions with a counsellor or psychotherapist for conditions like stress, anxiety, and depression, offering a vital lifeline for your mental wellbeing.

Wellness Programmes and Incentives

Many leading insurers actively reward you for living a healthy lifestyle. This can include:

  • Discounted gym memberships.
  • Reduced prices on fitness trackers like Apple Watch or Garmin.
  • Cashback for hitting daily step counts.
  • Discounts on healthy food ranges at supermarkets.

At WeCovr, we enhance this further. When you arrange a policy with us, we provide complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app, helping you take direct control of your diet and health goals.

Remember, simple lifestyle choices are your first line of defence. Aim for at least 150 minutes of moderate-intensity activity (like brisk walking or cycling) per week, prioritise 7-9 hours of quality sleep per night, and focus on a balanced diet rich in fruits, vegetables, and whole grains.

Preventative Screenings and Health Checks

Some of the more comprehensive private medical insurance policies in the UK are starting to include benefits for preventative health checks. This means you may be able to claim for certain screenings or assessments even if you don't have any symptoms, helping to catch potential issues at the earliest possible stage.

Choosing the Best PMI Provider for You

The UK market is home to several excellent insurers, each with its own strengths. Major names include Bupa, AXA Health, Aviva, and Vitality. Some, like Bupa, have their own network of hospitals. Others, like Vitality, are famous for their rewards-based wellness programme.

Why Using a Broker is the Smartest Move

Navigating the differences between providers, policy types, and underwriting options can be overwhelming. This is where an independent broker becomes invaluable.

Instead of going direct to one insurer (who can only sell you their own products), a broker gives you a view of the entire market. As an experienced, FCA-authorised broker, WeCovr provides impartial, expert advice. Our team understands the fine print of each policy and can quickly identify the best options for you.

We have a strong track record of high customer satisfaction because we put our clients' needs first. Furthermore, when you purchase a PMI or life insurance policy through us, we can often provide you with discounts on other types of cover you may need, like home or travel insurance.

A Comparison of Policy Features

To help you understand the options, here is a breakdown of what different levels of cover typically include:

FeatureBasic "Core" Policy Might IncludeComprehensive "Full" Policy Might Include
Core CoverIn-patient & day-patient treatment, surgery fees, hospital costs.In-patient & day-patient treatment, surgery fees, hospital costs.
Out-patient CoverOften excluded, or capped at a low limit (e.g., £500).Full cover for specialist consultations, diagnostic tests, and scans.
Mental HealthMay be excluded or offer very limited access to a support line.Generous cover for a number of therapy sessions (e.g., CBT, counselling).
TherapiesUsually excluded.Cover for physiotherapy, osteopathy, chiropractic treatment.
Wellness BenefitsLimited to a basic digital GP service.Digital GP, wellness rewards, health checks, gym discounts.
Hospital AccessA restricted network of local hospitals.Choice of all UK hospitals, including premium central London facilities.

Common Misconceptions about Private Health Insurance

  • "It replaces the NHS." This is false. PMI is designed to work alongside the NHS. You will always need the NHS for emergencies (A&E), management of chronic conditions, and in most cases, your initial GP referral.
  • "It covers absolutely everything." This is false. As stated clearly, PMI does not cover pre-existing conditions or long-term chronic illnesses. There are also standard exclusions like routine pregnancy, cosmetic surgery (unless medically necessary), and drug and alcohol rehabilitation.
  • "It's only for the super-rich." This is outdated. With flexible options like higher excesses and tailored hospital lists, policies can be made affordable for many households.
  • "I'm young and healthy, so I don't need it." While you might feel invincible, accidents and unexpected illnesses can happen at any age. Taking out cover when you are young and healthy is the cheapest it will ever be, locking in protection against future acute conditions.

The Future of Healthcare in the UK: A Hybrid Model

The evidence is clear: we are moving towards a hybrid healthcare model in the UK. This is a system where a majority of the population will continue to rely on and cherish the NHS for emergencies, chronic care, and GP services, while a growing number will use private insurance for planned, acute treatments to regain control and bypass long waits.

For a growing number of Britons, private medical insurance is no longer a luxury but a pragmatic and responsible choice for protecting their health, their family's wellbeing, and their financial stability.


What's the difference between an acute and a chronic condition for PMI?

This is the most crucial distinction in UK private medical insurance. An **acute condition** is a short-term illness or injury that is expected to respond fully to treatment, like a hernia, cataract, or a joint requiring replacement. PMI is designed to cover these. A **chronic condition** is a long-term, incurable illness that needs ongoing management, such as diabetes, asthma, or high blood pressure. Standard PMI policies do not cover the management of chronic conditions; you would continue to use the NHS for this care.

Can I get private health cover if I have a pre-existing condition?

Yes, you can still get a policy, but the pre-existing condition itself will almost certainly be excluded from cover. Insurers use two main methods: 'moratorium' underwriting, where conditions you've had in the last 5 years are excluded for an initial period (usually 2 years), or 'full medical underwriting', where you declare your history and the insurer lists specific exclusions from the start. It is vital to understand that PMI is for new, eligible conditions that arise *after* your policy begins.

Will my private medical insurance premium go up every year?

It is very likely that your premium will increase at your annual renewal. This happens for two main reasons. Firstly, you are a year older, which slightly increases your risk profile. Secondly, 'medical inflation'—the rising cost of new drugs, technologies, and hospital charges—means that the cost of providing treatment goes up each year across the industry. However, you can often mitigate these rises by reviewing your cover options or by using a broker to re-compare the market.

Do I still need to use my NHS GP if I have private health insurance?

Yes, in almost all cases. The standard patient journey begins with your NHS GP. They provide the initial diagnosis and, crucially, the open referral letter you will need to give your insurer to authorise private specialist treatment. While many policies include a digital GP service for convenience, your registered NHS GP remains a central part of your overall healthcare.

Ready to explore your options and find a health insurance plan that gives you peace of mind?

Get your free, no-obligation quote from WeCovr today. Our expert advisors will compare the UK's leading insurers to find the perfect cover for your needs and budget.

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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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