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the Ultimate Guide to Top International Private Medical Insurers for

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

International private medical insurance has become essential for UK citizens living abroad, providing access to quality healthcare regardless of location.

Key takeaways

  • Inpatient only: Covers hospitalisation and day-patient treatments
  • Comprehensive: Includes outpatient consultations, diagnostics, and therapies
  • Premium: Adds dental, vision, maternity, and wellness programmes
  • Inpatient and day-patient treatment: Hospital accommodation, surgery, and specialist fees
  • Emergency medical treatment: Immediate care for accidents and acute conditions

The Ultimate Guide to Top International Private Medical Insurers for UK Expats

International private medical insurance has become essential for UK citizens living abroad, providing access to quality healthcare regardless of location. This comprehensive guide examines the leading international health insurance providers available to UK expats, offering detailed comparisons of coverage, costs, and benefits to help you make an informed decision about protecting your health while living overseas.

Understanding International Private Medical Insurance

International private medical insurance (IPMI) differs significantly from standard UK private health insurance. While UK-based policies focus primarily on treatment within Britain, IPMI provides comprehensive global coverage, ensuring you can access quality healthcare whether you're living in Singapore, working in Dubai, or retiring in Spain.

The key advantage of IPMI lies in its portability – your coverage moves with you as you relocate between countries, providing continuity of care and peace of mind. Most policies offer direct billing arrangements with hospitals worldwide, meaning you won't need to pay upfront for treatment and claim reimbursement later.

Top International Private Medical Insurance Providers

1. Cigna Global

Best for: Comprehensive worldwide coverage with flexible modular design

Cigna Global stands as one of the most established international health insurers, serving expats since 1982. The company has earned an A rating from AM Best, indicating excellent financial strength. With access to over 1.5 million healthcare providers across 200+ countries, Cigna Global offers unparalleled network reach.

Coverage Options:

  • Three core plans: Silver, Gold, and Platinum
  • Modular design allowing customisation with optional add-ons
  • Annual limits from $1 million to unlimited coverage
  • Worldwide coverage or worldwide excluding USA options

Key Features:

  • 68% of clients choose worldwide coverage excluding the USA
  • Flexible deductibles from $0 to $10,000
  • Optional modules for outpatient care, dental, vision, and evacuation
  • 24/7 multilingual customer support
  • Direct billing at network facilities

Estimated Costs: Monthly premiums typically range from $200-$500 for a 30-year-old, depending on coverage level and geographic area.

2. Bupa Global

Best for: Premium coverage with extensive global network and concierge services

Bupa Global represents the international division of the well-known UK healthcare provider, offering premium international health insurance for expats and global citizens. The company provides five different coverage levels, with the Ultimate plan featuring dedicated concierge services for VIP clients.

Coverage Options:

  • Five plans: Major Medical, Select, Premier, Elite, and Ultimate
  • Annual limits up to $2.5 million USD
  • Worldwide coverage with regional options available
  • Access to private hospital suites and premium amenities

Key Features:

  • Ultimate plan includes dedicated concierge team
  • Independent Blue Cross Blue Shield Association licensee
  • Private room access in hospitals worldwide
  • Enhanced maternity and preventive care benefits
  • Multilingual support with 24/7 helplines

Estimated Costs: UK policies average £75.35 per month (£904.20 annually) for comprehensive coverage, while international plans typically cost significantly more depending on coverage area.

3. William Russell

Best for: Personalised service with dedicated account management

William Russell has provided international health insurance since 1992, focusing on personalised service and dedicated customer contacts rather than call centres. Underwritten by AWP Health & Life SA (part of the Allianz Group), the company offers strong financial backing with an A- rating from AM Best.

Coverage Options:

  • Four plan levels: Bronze, Silver Lite, Silver, and Gold
  • Annual limits from $1.5 million to $5 million
  • Three geographic zones including worldwide coverage
  • Flexible underwriting options (full medical or moratorium)

Key Features:

  • Dedicated personal contact for each member
  • Claims history doesn't affect renewal premiums
  • Lifetime discounts available (15% or 20%)
  • Coverage available up to age 75
  • 24/7 emergency evacuation service

Estimated Costs: Average annual premium for individuals is $2,517 USD (approximately $210 monthly), though costs vary significantly based on age, location, and coverage level.

4. AXA Global Healthcare

Best for: European residents seeking competitive pricing and zone-based coverage

AXA Global Healthcare, based in London and Dublin, offers structured international health plans with attractive pricing, particularly for expats in regions with lower healthcare costs. The company provides five coverage levels with flexible deductible and co-payment options.

Coverage Options:

  • Five plans: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus
  • Annual limits from basic coverage to unlimited
  • Zone-based pricing for different geographic regions
  • Multiple deductible options for cost control

Key Features:

  • Attractive pricing structure
  • Zone-based coverage areas for cost efficiency
  • Multiple currency options (GBP, EUR, USD)
  • Comprehensive add-on modules available
  • Strong AXA Group financial backing

Estimated Costs: UK domestic policies start from £32-£50 monthly for basic coverage, while international plans vary significantly by zone and coverage level.

5. Now Health International

Best for: Digital-first approach with modern technology and quick service

Now Health International, headquartered in Hong Kong with global service centres, specialises in technology-driven international health insurance. The company offers four WorldCare tiers and three SimpleCare options, focusing on digital convenience and rapid service delivery.

Coverage Options:

  • WorldCare: Essential, Advance, Excel, and Apex plans
  • SimpleCare: Budget-friendly options with annual limits up to $1.5 million
  • Annual limits from $3 million to $4.5 million USD for WorldCare plans
  • Worldwide coverage excluding USA as standard

Key Features:

  • Digital-first approach with modern technology
  • Regional service centres for local knowledge
  • Quick service delivery and claims processing
  • Optional chronic condition maintenance
  • Comprehensive outpatient care on higher tiers

Estimated Costs: Plans range from $112-$241 monthly for typical coverage, with SimpleCare 250 starting at $124 monthly for comprehensive coverage including dental.

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Additional Notable Providers

IMG Global Medical

Best for: Budget-conscious expats seeking flexible, affordable coverage

International Medical Group offers the broadest product range in the international health insurance market, providing coverage in over 170 countries. With over 20 years of experience, IMG holds an A- rating from AM Best and offers flexible pricing options.

Key Features:

  • Four plan levels: Bronze, Silver, Gold, and Platinum
  • Lifetime maximum coverage from $1 million to $8 million
  • Multiple deductible options from $100 to $25,000
  • Immediate coverage for pre-existing conditions on Platinum plan

Allianz Care

Best for: Modular coverage with German engineering and reliability

Allianz Care, part of the global Allianz Group, offers modular international health insurance with three core plans and various add-on options. The company provides MediLine medical advice service and 24/7 emergency assistance.

Key Features:

  • Modular setup with Care, Care Plus, and Care Pro plans
  • Annual limits from €1.85 million to €3.7 million
  • Optional outpatient, dental, and maternity modules
  • War risk coverage included
  • Real cost insurance with reasonable and customary pricing

April International

Best for: French system familiarity and zone-based pricing flexibility

April International offers MyHealth International policies with six coverage levels and zone-based pricing across different geographic regions. The company specialises in accompanying French individuals and families abroad but serves all nationalities.

Key Features:

  • Six coverage levels: Emergency through Premium
  • Zone-based pricing (Zones 0-5) for cost efficiency
  • Annual limits from €250,000 to €2 million
  • Flexible deductibles and co-payment options
  • Coverage available in GBP, USD, and EUR

Coverage Areas and Geographic Zones

International health insurers typically structure their coverage using geographic zones to manage costs effectively. Understanding these zones is crucial for selecting the right coverage level and managing premium costs.

Worldwide Including USA

This premium coverage option includes all countries globally, including the United States, Canada, and Mexico. Healthcare costs in the USA are significantly higher than other regions, making this the most expensive coverage option. Premiums can increase by 300-500% when including USA coverage.

Best for: High-income professionals, frequent business travellers to the USA, or those planning extended stays in North America.

Worldwide Excluding USA

The most popular option among international health insurers, this coverage includes all countries except the United States and sometimes Canada. This provides comprehensive global coverage while managing costs by excluding the world's most expensive healthcare market.

Best for: Most expats and international residents who don't require regular access to USA healthcare facilities.

Regional Coverage Options

Many insurers offer regional coverage focusing on specific areas such as Europe only, Asia-Pacific, or Americas excluding USA. These options provide significant cost savings (typically 30-50% reduction) while maintaining comprehensive coverage in your primary region of residence.

Understanding Premium Costs and Factors

International private medical insurance premiums vary significantly based on multiple factors. Understanding these variables helps in making informed decisions and managing costs effectively.

Age Impact on Premiums

Age represents the most significant factor in premium calculation. A 70-year-old typically pays five times more than a 20-year-old for identical coverage. Premium increases are generally gradual but accelerate significantly after age 50.

Geographic Location

Your country of residence dramatically impacts premium costs due to varying local healthcare expenses. For example:

  • Switzerland (illustrative): Simple consultations can cost CHF 312 (approximately £247)
  • UAE (illustrative): Hypertension treatment including consultation, blood tests, and medication costs KWD 340 (approximately £812)
  • Hong Kong (illustrative): Complicated maternity care can reach HKD 197,650 (approximately £18,255)

Coverage Level Selection

The extent of coverage chosen significantly affects premiums:

  • Inpatient only: Covers hospitalisation and day-patient treatments
  • Comprehensive: Includes outpatient consultations, diagnostics, and therapies
  • Premium: Adds dental, vision, maternity, and wellness programmes

Deductible Options

Higher deductibles reduce monthly premiums but increase out-of-pocket expenses when claiming. Most insurers offer deductibles ranging from $0 to $25,000, allowing significant premium customisation.

Underwriting Options Explained

International health insurers typically offer different underwriting approaches, each with distinct advantages and implications for coverage and cost.

Full Medical Underwriting (FMU)

This comprehensive approach requires complete disclosure of medical history. Insurers may request medical reports and exclude pre-existing conditions permanently. However, this often results in lower premiums due to accurate risk assessment.

Advantages:

  • Lower premiums for healthy individuals
  • Complete transparency about coverage
  • Immediate clarity on exclusions

Disadvantages:

  • Slower application process
  • Permanent exclusions for disclosed conditions
  • Potential requirement for medical examinations

Moratorium Underwriting

This approach excludes conditions you've experienced in the previous 5 years without requiring detailed medical disclosure upfront. After maintaining coverage for 2 years without treatment for a condition, it may become covered.

Advantages:

  • Quick application process
  • Potential future coverage for current exclusions
  • No medical forms required initially

Disadvantages:

  • Higher premiums to offset unknown risks
  • Temporary exclusions for recent conditions
  • Uncertainty about future coverage

Key Benefits and Features Comparison

Essential Coverage Features

All reputable international health insurers provide core coverage including:

  • Inpatient and day-patient treatment: Hospital accommodation, surgery, and specialist fees
  • Emergency medical treatment: Immediate care for accidents and acute conditions
  • Cancer treatment: Comprehensive oncology care including surgery, chemotherapy, and radiotherapy
  • Mental health coverage: Inpatient psychiatric treatment with varying limits
  • Medical evacuation: Emergency transportation to appropriate medical facilities

Optional Enhancements

Premium plans often include additional benefits:

  • Outpatient coverage: GP consultations, specialist visits, and diagnostic tests
  • Maternity benefits: Pregnancy, childbirth, and newborn care
  • Dental and vision care: Routine and emergency dental treatment, eye care
  • Preventive healthcare: Annual check-ups, vaccinations, and health screenings
  • Alternative therapies: Physiotherapy, chiropractic treatment, and complementary medicine

Modern Digital Services

Leading insurers increasingly offer digital enhancements:

  • Telemedicine consultations: 24/7 access to qualified doctors via phone or video
  • Mobile applications: Claims submission, provider location, and policy management
  • Digital health records: Secure access to medical history and treatment records
  • Wellness programmes: Health monitoring, fitness tracking, and preventive care incentives

Financial Strength and Stability Ratings

When selecting an international health insurer, financial stability represents a crucial consideration. Independent rating agencies assess insurers' ability to meet long-term obligations and pay claims.

AM Best Ratings

AM Best, the primary rating agency for insurance companies, uses the following scale:

  • A++ and A+: Superior financial strength
  • A and A-: Excellent financial strength
  • B++ and B+: Good financial strength
  • B and B-: Fair financial strength

Leading international health insurers typically maintain ratings of A- or higher, indicating excellent financial strength and claims-paying ability.

Key Financial Indicators

Consider these factors when evaluating insurer stability:

  • Claims paying ability: Historical performance in settling claims
  • Regulatory compliance: Adherence to local insurance regulations
  • Parent company strength: Financial backing from larger insurance groups
  • Market presence: Length of operation and client base size

Choosing the Right Provider: Decision Framework

Selecting the optimal international private medical insurance requires careful consideration of personal circumstances, healthcare needs, and financial constraints.

Assess Your Healthcare Needs

Consider these key questions:

  • What is your primary country of residence?
  • Do you travel frequently for business or pleasure?
  • Are you planning to visit or live in the USA?
  • Do you have ongoing medical conditions requiring regular treatment?
  • What level of hospital accommodation do you prefer?

Evaluate Coverage Requirements

Determine essential versus optional coverage:

  • Essential: Inpatient treatment, emergency care, cancer coverage
  • Important: Outpatient consultations, prescription medications, medical evacuation
  • Optional: Dental care, vision treatment, maternity benefits, wellness programmes

Budget Considerations

International health insurance represents a significant annual expense. Consider:

  • Premium affordability: Can you maintain payments long-term?
  • Deductible levels: Balance between lower premiums and out-of-pocket costs
  • Coverage inflation: Healthcare costs typically increase annually
  • Currency fluctuations: Consider policies denominated in your earning currency

The Role of Specialist Brokers

Navigating the complex international health insurance market benefits significantly from expert guidance. Specialist brokers like WeCovr provide invaluable services for UK expats seeking comprehensive coverage.

Broker Advantages

Professional insurance brokers offer several key benefits:

  • Market knowledge: Deep understanding of different insurers' strengths and weaknesses
  • Needs assessment: Tailored recommendations based on individual circumstances
  • Claims support: Assistance with claim submissions and dispute resolution
  • Ongoing service: Annual policy reviews and coverage optimisation

WeCovr's Expertise

As a specialist in international insurance, WeCovr can arrange international private medical insurance policies from leading providers, ensuring UK expats receive optimal coverage at competitive rates. Their expertise in comparing different insurers' offerings helps clients navigate the complexities of international health insurance selection.

No-Cost Consultations

Many specialist brokers, including WeCovr, provide fee-free consultations and policy arrangement services. This allows expats to access professional guidance without additional cost, ensuring they receive appropriate coverage for their specific circumstances and budget constraints.

Regional Considerations for UK Expats

Different regions present unique healthcare challenges and opportunities for UK expats, influencing insurance selection and coverage requirements.

European Union and EEA

UK citizens living in EU countries face specific considerations post-Brexit:

  • EHIC limitations: European Health Insurance Card provides limited coverage
  • Reciprocal agreements: Varying healthcare access between countries
  • Private healthcare quality: Significant differences between EU member states
  • Cost variations: Healthcare expenses vary dramatically across Europe

Asia-Pacific Region

Popular expat destinations like Singapore, Hong Kong, and Australia offer:

  • High healthcare standards: Modern facilities and qualified practitioners
  • Significant costs: Private healthcare can be extremely expensive
  • Language barriers: English-speaking medical staff availability varies
  • Climate-related health risks: Tropical diseases and environmental factors

Middle East and Africa

Expats in regions like UAE, Qatar, and South Africa should consider:

  • Healthcare infrastructure: Quality varies significantly between countries
  • Medical evacuation needs: Distance to advanced medical facilities
  • Local regulations: Mandatory insurance requirements in some countries
  • Security considerations: Political stability and safety factors

Americas (Excluding USA)

Central and South American destinations present unique challenges:

  • Healthcare quality variations: Significant differences between urban and rural areas
  • Language requirements: Spanish or Portuguese language skills beneficial
  • Evacuation coverage: Important for remote locations
  • Tropical health risks: Vaccination and preventive care requirements

Claims Process and Customer Service

Understanding the claims process and service quality helps differentiate between international health insurers and ensures smooth healthcare access when needed.

Direct Billing Arrangements

Leading insurers maintain extensive networks of healthcare providers offering direct billing:

  • Cashless treatment: No upfront payment required for covered services
  • Pre-authorisation: Streamlined approval process for planned treatments
  • Network hospitals: Guaranteed acceptance at partner facilities
  • Quality standards: Vetted providers meeting insurer requirements

Reimbursement Claims

For treatment outside direct billing networks:

  • Documentation requirements: Medical reports, receipts, and claim forms
  • Processing timeframes: Typical turnaround times for claim settlement
  • Currency considerations: Exchange rate impacts on reimbursements
  • Communication methods: Online portals, mobile apps, and telephone support

Customer Support Quality

Evaluate insurers based on service standards:

  • 24/7 availability: Round-the-clock assistance for emergencies
  • Multilingual support: Service in your preferred language
  • Local knowledge: Regional expertise and cultural understanding
  • Response times: Speed of query resolution and claim processing

The international health insurance market continues evolving, driven by technological advances, changing expat demographics, and global healthcare developments.

Digital Transformation

Modern insurers increasingly embrace digital solutions:

  • Artificial intelligence: Claims processing automation and fraud detection
  • Telemedicine integration: Remote consultations and digital health monitoring
  • Mobile-first approaches: Comprehensive smartphone applications for policy management
  • Blockchain technology: Secure health records and streamlined claims processing

Personalised Coverage

Emerging trends towards individualised insurance:

  • Usage-based pricing: Premiums reflecting actual healthcare utilisation
  • Wellness incentives: Discounts for healthy lifestyle choices and preventive care
  • Modular policies: Granular coverage selection matching specific needs
  • Dynamic pricing: Real-time premium adjustments based on health metrics

Regulatory Developments

Changing international regulations affect coverage:

  • Cross-border healthcare agreements: New reciprocal treatment arrangements
  • Data protection requirements: GDPR and similar privacy regulations
  • Professional qualification recognition: Medical practitioner credentials across borders
  • Insurance portability: Simplified policy transfers between countries

Conclusion

International private medical insurance represents an essential investment for UK expats seeking comprehensive healthcare coverage while living abroad. The leading providers – Cigna Global, Bupa Global, William Russell, AXA Global Healthcare, and Now Health International – each offer distinct advantages suitable for different expat profiles and requirements.

Successful insurance selection requires careful consideration of coverage needs, geographic requirements, budget constraints, and personal preferences regarding service delivery. The complexity of international health insurance markets makes professional guidance valuable, with specialist brokers like WeCovr providing expert advice and policy arrangement services at no additional cost.

As the international health insurance market continues evolving through digital innovation and changing expat needs, staying informed about new developments and regularly reviewing coverage ensures optimal protection for your health and financial security while living overseas.

The investment in quality international private medical insurance provides peace of mind, ensuring access to excellent healthcare regardless of where life takes you. With proper guidance from experienced brokers like WeCovr, UK expats can secure comprehensive coverage that protects both health and wealth throughout their international journey.

Get Your Free, No-Obligation International PMI Quote Today

Sources

  • NHS England: Waiting times and referral-to-treatment statistics.
  • Office for National Statistics (ONS): Health, mortality, and workforce data.
  • NICE: Clinical guidance and technology appraisals.
  • Care Quality Commission (CQC): Provider quality and inspection reports.
  • UK Health Security Agency (UKHSA): Public health surveillance reports.
  • Association of British Insurers (ABI): Health and protection market publications.

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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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