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Health Insurance for Company Directors in

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

As an FCA-authorised expert with over 900,000 policies arranged, WeCovr specialises in helping UK business leaders secure private medical insurance. This guide details the essential benefits and options for company directors, ensuring you can make a fully informed decision about your health and your business's future. WeCovr explains tax benefits and premium cover options for directors Navigating the world of private medical insurance (PMI) can feel complex, especially when you’re a company director.

Key takeaways

  • Growing Waiting Lists: In recent years, the number of people in England waiting for routine hospital treatment has consistently hovered above 7 million.
  • Lengthy Waits: According to NHS England data, hundreds of thousands of patients often wait over a year for planned treatments like hip replacements or cataract surgery.
  • Diagnostic Delays: The wait for crucial diagnostic tests, the first step to getting treatment, can also stretch into many weeks or months.
  • Business Continuity: Swift access to treatment means you can get back to work faster, ensuring leadership continuity and maintaining business momentum.
  • Reduced Stress: Knowing you have a plan in place removes the anxiety of long waits and health worries, allowing you to focus on running your company.

As an FCA-authorised expert with over 900,000 policies arranged, WeCovr specialises in helping UK business leaders secure private medical insurance. This guide details the essential benefits and options for company directors, ensuring you can make a fully informed decision about your health and your business's future.

WeCovr explains tax benefits and premium cover options for directors

Navigating the world of private medical insurance (PMI) can feel complex, especially when you’re a company director. You're not just looking after your own health; you're protecting a key asset of your business—yourself.

In 2026, the need for robust health planning has never been more apparent. With ongoing pressures on the NHS, private health cover offers a vital route to fast diagnosis and treatment, minimising downtime and providing peace of mind. This comprehensive guide will break down everything you need to know, from significant tax advantages to the premium features that make a director's policy truly worthwhile.

Why Health Insurance is a Non-Negotiable for Company Directors

As a director, your ability to lead and make critical decisions is your company's most valuable resource. An unexpected illness or injury can have a ripple effect, impacting operations, strategy, and profitability. Here’s why a dedicated health insurance policy is less of a perk and more of an essential business tool.

The Stark Reality of NHS Waiting Times

The NHS is a national treasure, but it is under immense strain. Recent statistics paint a clear picture of the challenges:

  • Growing Waiting Lists: In recent years, the number of people in England waiting for routine hospital treatment has consistently hovered above 7 million.
  • Lengthy Waits: According to NHS England data, hundreds of thousands of patients often wait over a year for planned treatments like hip replacements or cataract surgery.
  • Diagnostic Delays: The wait for crucial diagnostic tests, the first step to getting treatment, can also stretch into many weeks or months.

For a company director, a six-month wait for a procedure isn't just a personal inconvenience; it's six months of potential disruption, reduced productivity, and uncertainty for the business. Private medical insurance is the primary way to bypass these queues and get specialist care within days or weeks.

Protecting Your Business's Most Important Asset

Think of director's health insurance as a form of 'key person' protection. Your health is inextricably linked to the health of your business.

  • Business Continuity: Swift access to treatment means you can get back to work faster, ensuring leadership continuity and maintaining business momentum.
  • Reduced Stress: Knowing you have a plan in place removes the anxiety of long waits and health worries, allowing you to focus on running your company.
  • Attracting & Retaining Talent: Offering PMI to fellow directors and senior staff demonstrates that you value their wellbeing, making your company a more attractive place to work.

A director's health is a business-critical issue. Investing in PMI is a strategic decision to mitigate risk and safeguard your company's future.

How Director's Health Insurance Works

A director's health insurance policy is a business expense, paid for by the company rather than by you personally. This key distinction unlocks significant tax efficiencies, but it's important to understand the mechanics.

The policy can be set up in two main ways:

  1. An Individual Policy for a Director: The company pays the premium for a policy that covers only you (and your family, if you choose to add them). This is common in smaller businesses or for sole directors.
  2. A Small Group Scheme: If you have two or more directors or employees you wish to cover, you can set up a small business group scheme. These often offer better value and more straightforward underwriting than individual policies.

The process for using the insurance is simple and designed for speed:

  1. See Your GP: If you experience a new medical symptom, your first port of call is usually your GP (many PMI policies now include a 24/7 digital GP service for even faster access).
  2. Get a Referral: If your GP believes you need to see a specialist, they will provide an 'open referral'.
  3. Contact Your Insurer: You call your PMI provider with your referral details.
  4. Authorise Treatment: The insurer checks that your condition is covered by your policy and authorises the consultation or treatment. They will provide a choice of approved specialists and private hospitals.
  5. Receive Treatment: You attend your private appointment, with the bills settled directly by your insurer.

The Tax Implications of Director's Health Insurance: A Deep Dive

This is where director's health insurance becomes incredibly compelling from a financial standpoint. When the company pays the premium, it creates tax benefits for the business and a tax liability for the director. Understanding this balance is key.

Benefit for the Company: Corporation Tax Relief

Private medical insurance premiums paid by a limited company for its employees (including directors) are generally considered an allowable business expense.

This means the cost of the premiums can be offset against the company's annual profits. The result? A lower Corporation Tax bill.

Let's look at a simple example:

DescriptionAmount
Annual PMI Premium£1,500
Corporation Tax Rate (assumed)25%
Corporation Tax Saved£375 (£1,500 x 25%)
Net Cost of Policy to Company£1,125

By paying for the policy through the business, the actual cost is significantly reduced. This makes it one of the most tax-efficient ways to fund private healthcare.

Liability for the Director: A 'Benefit in Kind'

Because the company is paying for a personal benefit, HMRC classifies health insurance as a 'benefit in kind' (BIK). This is similar to a company car or gym membership.

The value of this benefit (the gross premium cost) must be reported to HMRC on a P11D form at the end of the tax year. You, the director, will then pay income tax on the value of that premium at your marginal rate.

Here's how it breaks down for directors in different tax bands:

Director's Tax BandAnnual PMI PremiumTax RateAnnual Personal Tax Due
Basic Rate£1,50020%£300
Higher Rate£1,50040%£600
Additional Rate£1,50045%£750

So, is it still worth it?

Absolutely. Let's combine the company saving and the director's cost for a higher-rate taxpayer:

  1. Illustrative estimate: Company saves £375 in Corporation Tax.
  2. Illustrative estimate: Director pays £600 in personal income tax.
  3. Illustrative estimate: The total tax cost for a £1,500 policy is only £225 (£600 - £375).

If the director paid for the same £1,500 policy personally from their post-tax salary, they would have needed to earn approximately £2,500 before tax to have £1,500 left to pay for it (assuming a 40% tax rate). Paying through the company is almost always the most cost-effective method. (illustrative estimate)

Additionally, the company will also pay Class 1A National Insurance Contributions (NICs) on the value of the benefit, which is currently 13.8%. In our example, this would be an additional £207 (£1,500 x 13.8%), which is also an allowable business expense. Even with this factored in, the structure remains highly tax-efficient.

What Does 'Premium' Cover Mean for a Director's Policy?

Not all private medical insurance UK policies are created equal. As a director, you should be looking for comprehensive, 'premium' cover that provides maximum flexibility and peace of mind. Standard policies can have limits on out-patient care or diagnostics, which can lead to shortfalls. A premium policy removes these worries.

Here’s a breakdown of the components that constitute a top-tier director's health insurance plan.

FeatureStandard CoverPremium Cover for Directors
Core CoverIn-patient & day-patient treatment is included.In-patient & day-patient treatment is always included as standard.
Out-patient CoverOften limited to £500 - £1,000, or not included at all.Fully comprehensive. Covers all specialist consultations, tests, and scans without a financial limit. This is a key feature.
Advanced DiagnosticsMay have limits or require core cover to be used first.Full cover for MRI, CT, and PET scans without restriction, ensuring the fastest possible diagnosis.
TherapiesBasic cover for a limited number of physiotherapy sessions.Generous cover for physiotherapy, osteopathy, chiropractic, and other recognised therapies.
Mental HealthOften limited to out-patient counselling sessions.Extensive cover. Includes out-patient psychiatric consultations and in-patient treatment for acute mental health crises. Crucial for managing executive stress.
Cancer CareGood cover for standard treatments and chemotherapy.Comprehensive cancer cover. Includes access to the latest licensed cancer drugs and treatments, even those not yet approved or funded by the NHS.
Hospital ListA limited list of approved private hospitals.An extensive or unrestricted list of hospitals, including premier central London facilities.
Optional ExtrasDental, optical, and travel cover can be added.Often includes enhanced options like worldwide travel cover and more comprehensive dental/optical benefits.

When you work with an expert PMI broker like WeCovr, we help you navigate these options to build a policy that perfectly matches your needs, ensuring there are no gaps in your cover when you need it most.

Comparing the Best PMI Providers for Directors in 2026

The UK private health cover market is dominated by a few key players, each with unique strengths. The "best" provider depends entirely on your priorities, whether that's a focus on wellness, a vast hospital network, or exceptional service.

Here's a high-level comparison of the leading insurers for directors:

ProviderKey Strengths & FocusBest For Directors Who...
AXA HealthRenowned for excellent service, extensive hospital lists, and a strong focus on clinical pathways. Offers comprehensive mental health support.Prioritise a straightforward claims process, wide hospital choice, and strong mental health pathways.
BupaThe UK's best-known health insurer with a vast network of facilities and direct access to cancer and mental health support without a GP referral.Value brand recognition, direct access services, and a network that includes their own Bupa Cromwell Hospital.
AvivaOffers a highly flexible and respected policy ("Healthier Solutions") with excellent core cover and the 'Expert Select' hospital option for guided choice.Want a reputable, established insurer with a strong digital offering and flexible policy options.
VitalityUnique in its focus on wellness. Rewards members with discounts and perks for staying active. A very modern and engaging approach to insurance.Are motivated by wellness incentives like gym discounts, Apple Watch offers, and want to be rewarded for a healthy lifestyle.
WPAA not-for-profit insurer known for its customer-first ethos and flexible policies. Highly rated for customer service and offers 'shared responsibility' options.Appreciate exceptional customer service, ethical company structure, and innovative co-payment options to manage premiums.

This table provides a starting point. The ideal choice involves a detailed comparison of policy wording, hospital lists, and pricing, which is a service a specialist broker provides at no cost.

The Golden Rule: Understanding PMI Exclusions

This is arguably the most important section of this guide. It is a fundamental principle of private medical insurance in the UK.

Standard PMI is designed to cover acute conditions that arise after you take out the policy.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., joint pain needing a replacement, hernias, cataracts, most cancers).
  • A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, has no known cure, is likely to recur, or requires ongoing management (e.g., diabetes, asthma, high blood pressure, Crohn's disease).

PMI does not cover chronic conditions. It may help with the initial diagnosis of a chronic condition, but the long-term management will be handled by the NHS.

How Insurers Handle Pre-existing Conditions

A pre-existing condition is any medical issue you had symptoms of, or received advice or treatment for, before your policy began. Insurers manage this through two main types of underwriting:

  1. Moratorium Underwriting (Most Common): This is the "don't ask, just cover" approach. The insurer doesn't ask for your medical history upfront. Instead, they will automatically exclude any condition you've had in the 5 years before the policy started. However, if you remain completely free of symptoms, treatment, and advice for that condition for a continuous 2-year period after your policy begins, the exclusion may be lifted.

  2. Full Medical Underwriting (FMU): You complete a detailed health questionnaire when you apply. The insurer's medical team assesses your history and makes a clear decision on what will be covered and what will be permanently excluded from day one. This provides certainty but can be more complex to set up.

Understanding this distinction is vital to avoid disappointment at the point of claim.

Beyond PMI: Wellness, Perks, and Added Value

Modern health insurance is evolving beyond just paying for hospital bills. Insurers now compete to provide a holistic wellness service that helps you stay healthy in the first place. These perks add significant day-to-day value to your policy.

Wellness Programmes and Rewards

Vitality leads the pack here, with its Active Rewards programme encouraging you to track your activity in exchange for weekly coffees, cinema tickets, and significant discounts on gym memberships and travel. Other insurers like Aviva and AXA Health have also developed their own wellness apps and resources, offering health advice, discounted health screenings, and fitness tracking.

Digital GP Services

Nearly all major PMI providers now offer a 24/7 digital GP service. This allows you to have a video or phone consultation with a GP at your convenience, often within hours. You can get medical advice, prescriptions, and referrals without leaving your office or home, saving valuable time.

Exclusive WeCovr Benefits

When you arrange your director's health insurance with WeCovr, you get more than just the perfect policy. We provide our clients with additional value-added services to support their health journey:

  • Complimentary Access to CalorieHero: As a WeCovr client, you receive free premium access to our AI-powered calorie and nutrition tracking app, CalorieHero. It's a powerful tool to help you manage your diet, achieve health goals, and maintain a healthy weight.
  • Discounts on Other Cover: We believe in holistic protection. Our PMI and Life Insurance clients receive exclusive discounts on other essential insurance products, such as income protection and critical illness cover, helping you build a complete financial safety net for less.

These benefits, combined with our five-star service (as rated by customers on leading review platforms), make choosing WeCovr a smart decision for both your health and your wallet.

How to Get the Right Director's Health Insurance

Finding the perfect policy can feel daunting. With dozens of options, add-ons, and underwriting types, it's easy to get lost. This is where an independent PMI broker becomes an invaluable partner.

An expert broker like WeCovr acts as your advocate in the insurance market.

  • We listen to your needs: We take the time to understand your health priorities, your business structure, and your budget.
  • We search the market: We compare policies from all the leading UK insurers to find the best fit. We have access to deals and plans not always available to the public.
  • We explain the small print: We translate the jargon and make sure you understand exactly what is and isn't covered, especially concerning pre-existing conditions.
  • We handle the paperwork: We manage the application process from start to finish, ensuring it's seamless and hassle-free.
  • Our service is free: We are paid a commission by the insurer you choose, so our expert advice and support cost you nothing extra.

Using a broker ensures you get the most comprehensive cover for the most competitive price, tailored specifically to the needs of a company director.

Is director's health insurance a tax-deductible expense in the UK?

Yes, generally speaking. The premiums paid by a limited company for a director's private medical insurance are considered an allowable business expense. This means the cost can be deducted from the company's profits, reducing its overall Corporation Tax liability.

What is a P11D benefit in kind and how does it affect me as a director?

A 'benefit in kind' is a non-cash benefit provided to an employee or director, such as private health insurance. The value of this benefit (the annual premium) must be reported to HMRC on a P11D form. As the director, you will then need to pay personal income tax on this amount at your marginal rate (e.g., 20%, 40%, or 45%). The company also pays Class 1A National Insurance on the value of the benefit.

Does private health insurance cover conditions I already have?

No, standard private medical insurance in the UK does not cover pre-existing or chronic conditions. PMI is designed for new, 'acute' conditions that arise after your policy starts. Insurers use underwriting methods like 'Moratorium' or 'Full Medical Underwriting' to exclude conditions you have had in the years prior to taking out cover. It is crucial to be clear about this to ensure you have the right expectations of your policy.

Can I add my family to my director's health insurance policy?

Yes, you can almost always add your spouse, partner, and dependent children to your director's health insurance policy. The company can pay the entire premium. However, it's important to remember that the total premium for the whole family will be treated as a benefit in kind, and you will be liable for income tax on the full amount.

Take the Next Step to Secure Your Health

Your health is your most critical business asset. Investing in the right private medical insurance is a strategic decision that protects you, your family, and your company.

Let WeCovr make it simple. Our expert advisors are ready to provide a free, no-obligation comparison of the UK's leading director's health insurance policies.

[Get Your Free, Personalised Quote from WeCovr 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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