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Group PMI Policies How Businesses Maximise Staff Benefits

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 20, 2026
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TL;DR

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the power of a great benefits package. This guide explores how UK businesses can leverage group private medical insurance to attract talent, reduce absenteeism, and build a healthier, more productive workforce.

Key takeaways

  • All Employees: The most inclusive option, covering everyone from day one or after a probation period.
  • Management Tiers: You might offer a basic level of cover to all staff and a more comprehensive plan for senior managers or directors.
  • Service-Based: Reward loyalty by offering cover to employees who have been with the company for a certain number of years.
  • In-patient: Treatment that requires a stay in a hospital bed overnight.
  • Day-patient: Treatment in a hospital bed for a day, but you don't stay overnight.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the power of a great benefits package. This guide explores how UK businesses can leverage group private medical insurance to attract talent, reduce absenteeism, and build a healthier, more productive workforce.

Step-by-step guide for employers, including group scheme setup and tax tips

Offering Private Medical Insurance (PMI) is no longer a perk reserved for large corporations. Today, businesses of all sizes are discovering that a group health scheme is a powerful, affordable tool. This comprehensive guide will walk you through every step, from understanding the basics to navigating the tax implications and choosing the perfect plan for your team.

What Exactly is Group Private Medical Insurance?

Group Private Medical Insurance is a single policy taken out by an employer to provide private healthcare cover for its employees. Instead of individuals buying their own insurance, the business purchases a policy that covers a defined group of staff, often at a lower per-person cost than individual plans.

The core purpose of PMI is to cover the costs of diagnosis and treatment for acute conditions that arise after the policy begins. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.

This gives employees faster access to specialist consultations, diagnostic tests (like MRI and CT scans), and private hospital treatment, helping them bypass potentially long NHS waiting lists and return to health—and work—sooner.

The Business Case: Why Offer Group PMI to Your Staff?

Investing in your team's health is one of the smartest investments a business can make. The returns are seen in recruitment, retention, and overall productivity.

1. Attract and Retain Top Talent

In a competitive job market, a strong benefits package can be the deciding factor for a candidate. Offering private health cover shows you are a caring employer who invests in your team's wellbeing. It sends a clear message that you value your employees beyond their professional output.

2. Reduce Sickness Absence and Boost Productivity

Sickness absence costs UK businesses billions each year. According to the Office for National Statistics (ONS), an estimated 185.6 million working days were lost due to sickness or injury in 2022.

Group PMI can significantly reduce this impact by:

  • Speeding up diagnosis: Employees can see a specialist in days, not months.
  • Accelerating treatment: Prompt access to surgery or other treatments gets them back on their feet faster.
  • Providing preventative tools: Many modern policies include wellness services that help staff stay healthy in the first place.

A healthy, present workforce is a productive workforce. When employees feel well and supported, their focus, morale, and output naturally increase.

3. A Tangible Return on Investment (ROI)

While there is an upfront cost, the ROI of a group PMI scheme is substantial.

BenefitHow PMI DeliversPotential Financial Impact
Lower Recruitment CostsMakes your benefits package more attractive than competitors'.Reduced need for expensive recruitment agency fees and advertising.
Improved Staff RetentionEmployees feel valued and are less likely to leave for a role with better perks.Lower costs associated with hiring and training new staff.
Reduced AbsenteeismFaster medical treatment means less time off work.Increased output and reduced cost of temporary cover or lost productivity.
Corporate Tax ReliefPMI premiums are typically an allowable business expense.Reduces your final corporation tax bill.

How to Set Up a Group PMI Scheme: A 7-Step Guide

Setting up a group health insurance plan is more straightforward than you might think, especially with an expert guide.

Step 1: Define Your Objectives and Budget

First, ask yourself what you want to achieve.

  • Are you trying to solve a problem with absenteeism?
  • Do you want to compete with other local employers for talent?
  • Is your main goal to provide a high-value benefit for senior leadership?

Your answers will shape the type of policy you need. At the same time, establish a realistic budget. How much can you afford to spend per employee, per month? This will determine the level of cover you can offer.

Step 2: Decide Who You Want to Cover

You have several options for eligibility:

  • All Employees: The most inclusive option, covering everyone from day one or after a probation period.
  • Management Tiers: You might offer a basic level of cover to all staff and a more comprehensive plan for senior managers or directors.
  • Service-Based: Reward loyalty by offering cover to employees who have been with the company for a certain number of years.

Remember, you generally need at least two employees to start a group scheme.

Step 3: Choose the Right Level of Cover

PMI policies are not one-size-fits-all. They are built from a core foundation with optional extras.

Level of CoverWhat It Typically IncludesBest For
BasicCore in-patient and day-patient treatment. Usually includes surgery, hospital accommodation, and specialist fees.Businesses on a tight budget wanting to provide a safety net for major medical events.
Mid-RangeEverything in Basic, plus a set limit for out-patient diagnostics and consultations. May include some therapies.A good balance of cost and comprehensive cover, suitable for most businesses.
ComprehensiveFull in-patient and out-patient cover, often with generous limits for therapies, mental health, and dental/optical care.Companies wanting to offer a premium, top-tier benefit to attract and retain senior talent.

Key Terms Explained:

  • In-patient: Treatment that requires a stay in a hospital bed overnight.
  • Day-patient: Treatment in a hospital bed for a day, but you don't stay overnight.
  • Out-patient: Consultations or tests at a hospital or clinic where you don't need a bed.

Step 4: Understand Your Underwriting Options

Underwriting is how an insurer assesses risk and decides what it will and won't cover. This is a critical choice for a group scheme.

Underwriting TypeHow It WorksProsCons
Full Medical Underwriting (FMU)Each employee completes a detailed health questionnaire. The insurer excludes conditions based on their answers.Premiums may be lower initially as the risk is clearly defined.Can be intrusive for employees and administratively heavy.
Moratorium (MORI)No medical questions upfront. Instead, conditions an employee had in the 5 years before joining are automatically excluded for the first 2 years of cover. If they remain symptom-free for those 2 years, the condition may become eligible for cover.Simple and quick to set up. Less intrusive for staff.The "2-year" rule can be confusing. Claims can be delayed while the insurer checks medical history.
Medical History Disregarded (MHD)The insurer agrees to cover eligible medical conditions, regardless of an employee's previous medical history. This is the most inclusive option and can even cover pre-existing conditions.The gold standard. No medical questions and covers most pre-existing conditions, removing a major barrier to using the policy.Only available for larger groups (typically 15-20+ employees). It is the most expensive option.

An experienced broker can advise on the best underwriting method for your group's size and needs.

Step 5: Compare Insurers and Policies

The UK private medical insurance market is vast, with providers like Bupa, Aviva, AXA Health, and Vitality all offering excellent group products. Each has different strengths, hospital lists, and added-value benefits.

Comparing them yourself can be time-consuming and confusing. This is where an independent broker like WeCovr provides immense value. As an FCA-authorised intermediary, we compare the entire market on your behalf, explaining the subtle but important differences between policies. Our service comes at no cost to you, but our expertise can save you thousands and ensure you get the right cover.

Step 6: Finalise Your Policy Details

Once you've chosen a provider, you'll need to confirm the finer details:

  • Excess: This is the amount an employee pays towards a claim. A higher excess (£250, £500) will lower the overall premium. Offering an excess is a great way to manage costs.
  • Hospital List: Insurers have different lists of approved hospitals. Ensure your chosen list provides good geographical coverage for your team.
  • 6-Week Option: This is a cost-saving measure where, if the NHS can provide the required treatment within six weeks, the employee will use the NHS. If the waiting list is longer, the private cover kicks in.

Step 7: Launch and Communicate the Scheme

Once the policy is live, effective communication is key. Your employees need to understand what they are covered for and how to make a claim.

Provide them with:

  • A clear summary of benefits.
  • Membership numbers and contact details for the insurer.
  • Guidance on the claims process (e.g., "See your GP first for a referral").

A successful launch ensures your team appreciates the new benefit and knows how to use it when they need it most.

The Financials: Costs, Taxes, and Savings

Understanding the financial side of Group PMI is essential for effective budgeting and compliance.

How Much Does Group PMI Cost?

There's no single price for group health insurance. The premium is calculated based on several factors:

  • Group Size: The more employees you have, the lower the average cost per person.
  • Average Age: An older workforce will generally have higher premiums than a younger one.
  • Location: Premiums are often higher in London and the South East due to the higher cost of private treatment there.
  • Industry: Some manual labour or high-stress industries may attract higher premiums.
  • Level of Cover: A comprehensive plan will cost more than a basic one.
  • Underwriting & Excess (illustrative): An MHD plan with a £0 excess will be the most expensive, while a Moratorium plan with a £500 excess will be much cheaper.

Example Annual Premiums (Illustrative)

Company ProfileBasic Cover (with excess)Comprehensive Cover (no excess)
5-person startup in Bristol (Avg. age 30)£1,800 (£30/employee/month)£4,200 (£70/employee/month)
25-person law firm in London (Avg. age 42)£15,000 (£50/employee/month)£33,000 (£110/employee/month)
50-person manufacturer in Glasgow (Avg. age 45)£27,000 (£45/employee/month)£57,000 (£95/employee/month)

These figures are for illustration only. For an accurate quote, it's vital to speak to a specialist.

Tax Implications Explained

The tax rules around Group PMI are favourable for businesses but create a small liability for employees.

For the Business:

  • The premiums your company pays for a Group PMI scheme are generally considered an allowable business expense.
  • This means you can deduct the full cost of the policy from your profits before calculating your Corporation Tax bill. This effectively reduces the net cost of the scheme.

For the Employee:

  • Because the employer is paying for a personal benefit, HMRC classes Group PMI as a 'benefit in-kind'.
  • This means the value of the premium is treated as additional income for the employee, and they must pay income tax on it.
  • The employer is responsible for calculating the value of the benefit per employee and reporting it to HMRC on a P11D form each year.
  • HMRC will then adjust the employee's tax code to collect the tax due.

Example: An employee is a basic rate (20%) taxpayer. Their share of the Group PMI premium costs the business £600 for the year. (illustrative estimate)

  • Illustrative estimate: Benefit-in-kind value = £600
  • Illustrative estimate: Tax due = 20% of £600 = £120 for the year, or £10 per month.

For a small monthly cost, the employee gains access to a private medical insurance UK policy that could be worth thousands.

The Small Print: What UK PMI Does and Doesn't Cover

It is vital that both you and your employees understand the limitations of private health cover to manage expectations.

The Golden Rule: Acute vs. Chronic Conditions

Private medical insurance is designed to cover acute conditions. These are illnesses or injuries that are short-term and can be cured or resolved with treatment (e.g., joint replacements, cataract surgery, hernia repair, cancer treatment).

PMI does not cover chronic conditions. These are long-term, incurable conditions that require ongoing management rather than a cure (e.g., diabetes, asthma, high blood pressure, arthritis). The day-to-day management of chronic conditions remains with the NHS.

Pre-existing Conditions

This is another critical point. Under most standard underwriting (Moratorium and Full Medical Underwriting), any medical condition an employee had before joining the scheme will be excluded from cover.

The main exception is a policy with Medical History Disregarded (MHD) underwriting. As mentioned, this is the most comprehensive option, typically available to larger groups, and it removes exclusions for most pre-existing conditions.

Standard Exclusions

All PMI policies have a list of standard exclusions. These nearly always include:

  • Normal pregnancy and childbirth
  • Cosmetic surgery (unless for reconstructive purposes after an accident)
  • Treatment for addiction (alcohol or substance abuse)
  • Emergency services (A&E visits are handled by the NHS)
  • Self-inflicted injuries

Beyond Treatment: Maximising Value with Wellness Benefits

Modern Group PMI is about more than just hospital stays. Leading insurers now include a huge range of proactive and preventative health benefits designed to keep your staff well. When choosing a policy, look for these valuable extras:

  • 24/7 Virtual GP: The ability to book a video consultation with a GP at any time, day or night, is incredibly valuable. It reduces time spent away from work for appointments and provides peace of mind.
  • Mental Health Support: This is a huge area of growth. Many policies now offer access to counselling hotlines, a set number of therapy sessions (face-to-face or virtual), and access to mindfulness apps like Headspace.
  • Health and Wellness Incentives: Some providers, like Vitality, actively reward healthy behaviour. Employees can earn discounts and rewards for tracking their activity, getting health checks, and eating well.
  • Gym Discounts and Fitness Programmes: Discounts on memberships at major gym chains are a popular and tangible perk.
  • Second Medical Opinions: The ability to get a world-leading expert to review a diagnosis and treatment plan can be invaluable for serious conditions.

At WeCovr, we enhance this value even further. Clients who arrange their private health cover through us also receive:

  • Complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app to support healthy lifestyle goals.
  • Exclusive discounts on other types of business and personal insurance, helping you and your employees save money across the board.

Nurturing a Healthy Workplace Culture

A PMI policy is the foundation, but building a true culture of wellness involves more. Encourage healthy habits across your team with simple, low-cost initiatives:

  • Promote Movement: Encourage walking meetings or lunchtime walks. If you have cyclists, ensure there is safe bike storage.
  • Healthy Snacks: Swap the biscuit tin for a fruit bowl.
  • Hydration: Ensure fresh, filtered water is always available.
  • Mental Wellbeing: Signpost mental health resources and encourage open conversations about stress and workload. Create a culture where taking a 'mental health day' is seen as responsible, not a weakness.
  • Good Sleep Hygiene: Share tips on the importance of sleep for productivity and health, such as avoiding screens before bed and maintaining a regular sleep schedule.

By combining a robust PMI policy with a supportive environment, you create a workplace where employees feel cared for and can perform at their best.

Final Thoughts: Your Partner in Employee Health

Choosing to implement a Group Private Medical Insurance scheme is a significant, positive step for any business. It's a direct investment in your most valuable asset: your people.

The process can seem complex, but it doesn't have to be. Working with a specialist, independent PMI broker like WeCovr removes the guesswork. We provide the clarity and expert guidance needed to navigate the market with confidence. With high customer satisfaction ratings and a commitment to finding the best value, we act as your trusted partner.

We'll help you balance your budget with your objectives, compare the best PMI providers, and design a scheme that delivers real, tangible benefits for your business and your team.

How many employees do I need for a group health insurance scheme?

Generally, you need a minimum of two employees to set up a group private medical insurance scheme in the UK. However, some of the most attractive underwriting options, such as Medical History Disregarded (MHD), are typically only available to larger groups, often starting from 15 or 20 members.

Is Group PMI a taxable benefit for my employees?

Yes. In the UK, when an employer pays for private medical insurance on behalf of an employee, it is considered a 'benefit-in-kind' by HMRC. The value of the premium is treated as part of the employee's income, and they will need to pay income tax on it. As the employer, you are responsible for reporting this benefit on a P11D form each year.

Will a group policy cover pre-existing medical conditions?

It depends entirely on the type of underwriting chosen. Standard policies using 'Moratorium' or 'Full Medical Underwriting' will exclude pre-existing conditions. However, schemes for larger groups (e.g., 20+ employees) can often be set up on a 'Medical History Disregarded' (MHD) basis. This is a premium option where the insurer agrees to cover eligible acute conditions, even if they are pre-existing.

What is the difference between an 'acute' and a 'chronic' condition?

This is the most important distinction in UK health insurance. An 'acute' condition is a disease or injury that is short-lived and expected to respond to treatment, leading to a full recovery (e.g., a hip replacement or gallstone removal). Private medical insurance is designed to cover these. A 'chronic' condition is a long-term illness that cannot be cured but can be managed (e.g., diabetes, asthma, arthritis). The ongoing management of chronic conditions is not covered by PMI and remains under the care of the NHS.

Ready to explore how a group private health cover plan could benefit your business? Contact the friendly experts at WeCovr today for a free, no-obligation chat and a tailored market comparison.

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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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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