WeCovr.

Login

Health Insurance for Retirees Options After Work

Health Insurance for Retirees Options After Work 2026

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr specialises in private medical insurance in the UK. Leaving work is a major life milestone, but it often means losing company health benefits. This guide explains how you can secure your health cover and maintain peace of mind in retirement.

WeCovr explains how to maintain PMI standards after leaving an employer scheme

Retirement is often called the "golden years," a time for well-earned rest, travel, and hobbies. However, for many, the transition from employment brings an unwelcome surprise: the loss of company-sponsored private medical insurance (PMI). Suddenly, the safety net that provided fast access to specialists and private hospitals is gone, precisely when health concerns may become more prominent.

The good news is that you don't have to face a future of relying solely on an often-stretched NHS. With careful planning, you can transition seamlessly from a group scheme to a personal policy, often maintaining the level of cover you've become accustomed to.

This comprehensive guide will walk you through your options, explain the industry jargon in plain English, and empower you to make the best decision for your health and finances in retirement.

Why Does Company Health Insurance End at Retirement?

Understanding why your cover ceases is the first step to finding a solution. Company health insurance is typically offered as a "group scheme," which is a single policy that covers a group of employees.

Here’s why it ends when you leave your job:

  1. It's an Employment Benefit: The policy is an agreement between your employer and the insurance provider. Your eligibility is directly tied to your status as an employee. Once you retire, you are no longer part of that group, and your cover under that specific agreement ends.
  2. Cost Dynamics: Employers secure favourable rates by insuring a group of people, which spreads the risk for the insurer. The group usually includes a mix of ages, with younger, healthier employees balancing the higher risk associated with older ones. A personal policy for a retiree is assessed on an individual basis, which naturally changes the cost.
  3. Administrative Simplicity: For an employer, managing a list of current employees is straightforward. Extending this to cover a growing number of retirees would create significant administrative and financial burdens.

According to the Office for National Statistics (ONS), the population of those aged 65 and over is projected to grow significantly in the coming decades. This demographic shift underscores the importance of planning for healthcare needs post-employment, as public services face increasing demand.

Your Key Options for Private Health Cover After Leaving Work

When your company cover ends, you're faced with a critical choice. You essentially have three main paths to continue your private medical insurance journey. Each has distinct advantages and disadvantages, especially for retirees.

Option 1: The 'Continuation' or 'Group Leaver' Scheme

This is often the most straightforward option. Many company schemes have a "continuation" or "group leaver" clause that allows you to take your cover with you when you leave. You essentially convert your membership from the group policy to a personal one with the same insurer.

How it Works: You typically need to inform the insurer within a short window (e.g., 30-60 days) of leaving your job. You'll receive a quote for a personal policy, and if you accept, your cover continues without any new medical underwriting.

Pros of a Continuation SchemeCons of a Continuation Scheme
✅ No New Medical Underwriting: This is the biggest benefit. Any conditions that were covered under your company scheme will continue to be covered.❌ Potentially Higher Cost: You lose the group discount, so the personal premium can be significantly higher than what you (or your employer) paid before.
✅ Seamless Cover: There are no gaps in your protection. You don't need to worry about the 2-year moratorium period that comes with some new policies.❌ Tied to One Insurer: You cannot shop around for a better deal. You are stuck with the benefits, hospital lists, and pricing of your previous insurer.
✅ Simple and Fast: The process is usually very quick and requires minimal paperwork.❌ Limited Flexibility: You may not be able to change your level of cover easily. The policy might be a "one-size-fits-all" conversion.

Real-Life Example: David, 66, has been treated for knee pain under his company PMI with Bupa. He retires and opts for Bupa's continuation scheme. Because there is no new underwriting, his future knee treatments (such as a potential hip replacement) remain covered. If he had started a new policy, his knee would have been classed as a pre-existing condition and excluded.

Option 2: Switching Your Policy with Continued Personal Medical Exclusions (CPME)

CPME is a savvy way to shop the market while protecting the cover you've built up. It's a "middle-ground" option that allows you to move to a new insurer while keeping the same underwriting terms you had on your old policy.

How it Works: With CPME, the new insurer agrees to take you on with the same medical exclusions you had before. Any condition that was covered by your old policy will be covered by the new one. Any condition that was excluded by the old policy will remain excluded.

Pros of a CPME SwitchCons of a CPME Switch
✅ Access to the Whole Market: You can compare prices and benefits from multiple insurers to find a better deal or a policy that better suits your retirement needs.❌ More Complex: This requires more paperwork. You'll need your policy documents from your previous insurer to prove your underwriting terms.
✅ Keep Your Continuous Cover: Like a continuation scheme, you avoid new medical underwriting for conditions that were already covered.❌ Not All Insurers Offer It: While common, not every insurer offers CPME terms, which might limit your choices slightly.
✅ Potential for Big Savings: By switching, you could find a policy with similar benefits for a much lower premium.❌ Exclusions are Carried Over: If your old policy had a specific exclusion (e.g., for back problems), that exclusion will follow you to the new policy.

Working with a specialist PMI broker like WeCovr is highly recommended for a CPME switch. We can handle the comparison and paperwork, ensuring the transition is smooth and that no cover is accidentally lost.

Option 3: Starting a New Policy with Fresh Underwriting

This means starting from scratch with a brand-new policy. This can be a good option if you are in excellent health and had no significant claims on your company policy. You will be subject to new medical underwriting.

There are two main types of underwriting for new policies:

  1. Full Medical Underwriting (FMU): You complete a detailed health questionnaire, declaring your full medical history. The insurer assesses this and tells you upfront what is covered and what is excluded. It provides clarity from day one.
  2. Moratorium Underwriting (Mori): You don't fill out a health questionnaire. Instead, the insurer automatically excludes any condition you've had symptoms, treatment, or advice for in the past 5 years. This exclusion is typically for the first 2 years of the policy. If you remain symptom-free for that condition for a continuous 2-year period after your policy starts, the insurer may then cover it.
Full Medical Underwriting (FMU)Moratorium (Mori) Underwriting
Process: You declare your medical history on a form.Process: No initial health questions asked.
Clarity: You know exactly what is and isn't covered from the start.Clarity: Can be ambiguous. A claim may be delayed or denied while the insurer investigates your 5-year history.
Best For: People who want certainty and have a clear medical history.Best For: People in good health who want a quick start and don't want to fill out forms.
Exclusions: Exclusions are specific and permanent (unless successfully reviewed later).Exclusions: Exclusions are general and may be temporary.

Crucial Warning: With either FMU or Moratorium, any health issues you had before the new policy starts will be considered pre-existing conditions and will not be covered. This is the single biggest risk of starting a new policy in retirement.

The Crucial Role of Underwriting for Retirees

Underwriting is the process insurers use to assess risk and decide whether to offer you a policy and on what terms. For retirees, this is the most critical concept to grasp.

Acute vs. Chronic Conditions: The Golden Rule of PMI

UK private medical insurance is designed to cover acute conditions, not chronic conditions. Understanding this difference is essential.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include a hernia, cataracts, joint replacement, or treating an infection. PMI excels here, providing fast access to diagnosis and treatment.
  • Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, has no known cure, is likely to recur, or requires palliative care. Examples include diabetes, high blood pressure, asthma, and arthritis.

Standard UK PMI does not cover the routine, long-term management of chronic conditions. Your policy may cover the initial diagnosis of a chronic condition (the acute phase), but once it's diagnosed and a long-term management plan is in place, the care typically reverts to the NHS.

What UK Private Medical Insurance Typically CoversWhat UK Private Medical Insurance Typically Excludes
✅ New, acute conditions that arise after your policy starts❌ Pre-existing conditions (from before your policy began)
✅ Surgical procedures (e.g., hip/knee replacement, cataract surgery)❌ Management of long-term, chronic conditions (e.g., diabetes, asthma)
✅ Consultations with specialists for new symptoms❌ Routine check-ups, screening, and preventative treatment
✅ Advanced cancer treatment (drugs and therapies not always on the NHS)❌ Cosmetic surgery, unless reconstructive
✅ Diagnostic tests and scans (MRI, CT, PET) for eligible conditions❌ A&E visits, drug and alcohol abuse treatment, fertility issues
✅ In-patient and day-patient hospital stays❌ Unproven or experimental treatments

How to Choose the Best PMI Provider for Your Retirement

With the market full of options, choosing the right provider can feel overwhelming. The "best" provider is the one that offers the right balance of benefits, hospital access, and price for your specific needs.

Key Factors to Compare

When evaluating policies, don't just look at the monthly premium. Dig deeper into these key features:

  1. Hospital List: Insurers offer different tiers of hospital access. A "national" list will include most private hospitals, while a "local" or "limited" list might exclude premium hospitals in central London to reduce costs. Check that your preferred local hospitals are on the list.
  2. Outpatient Cover: This covers consultations and diagnostics that don't require a hospital bed. Policies can range from no outpatient cover to a limited cash amount (£500, £1,000) or full cover. A good level of outpatient cover is crucial for getting a fast diagnosis.
  3. Cancer Cover: This is a cornerstone of modern PMI. Check the details carefully. Most top-tier policies offer comprehensive cover, including access to drugs and treatments not available on the NHS.
  4. Excess Level: This is the amount you agree to pay towards any claim. A higher excess (e.g., £250, £500, or £1,000) will significantly lower your premium. You can choose an excess "per claim" or "per year."
  5. No-Claims Discount (NCD): Similar to car insurance, your premium can be reduced each year you don't make a claim. Check the insurer's NCD scale to see how much you can save.
  6. Therapies Cover: Check the limits for treatments like physiotherapy, which can be vital for recovery from surgery or injury.

A Look at Major UK Health Insurers

Here is a brief overview of some of the leading providers in the UK market. An expert broker can provide a detailed comparison based on your needs.

ProviderKey Feature / FocusExample of a Common Benefit
AvivaStrong all-around cover with a reputation for excellent customer service and comprehensive cancer care.Often includes a "Six Week Option" which can lower premiums.
AXA HealthKnown for flexible policies and a strong focus on mental health support and digital GP services.Guided option where AXA helps choose the specialist can reduce costs.
BupaOne of the most recognised names, offering extensive hospital networks and direct settlement with many facilities.Offers comprehensive cancer cover with no time limits on eligible treatment.
VitalityUnique approach that rewards healthy living with discounts and benefits, including lower premiums.Active Rewards programme offers cinema tickets, coffee, and more for being active.
The ExeterA Friendly Society known for its flexible underwriting and consideration of some pre-existing conditions on certain policies.Often favoured by those with some prior medical history.

Managing Costs: How to Make PMI Affordable in Retirement

The biggest concern for retirees is cost. With a fixed income, a high monthly premium can be a strain. Fortunately, there are many ways to tailor a policy to make it more affordable without sacrificing quality.

  • Increase Your Excess: Choosing a higher excess is the most effective way to lower your premium. If you have some savings, you could opt for a £1,000 excess, knowing you'd only pay it if you need to make a claim.
  • Opt for a 6-Week Wait Option: This is a popular cost-saving feature. With this option, your PMI will only kick in if the NHS waiting list for the in-patient treatment you need is longer than six weeks. If the NHS can treat you within six weeks, you use the NHS. This can reduce premiums by 20-30%.
  • Choose a Limited Hospital List: Unless you need access to prime central London hospitals, choosing a more restricted list that covers excellent hospitals near you can generate significant savings.
  • Review Your Outpatient Cover: While full outpatient cover is ideal, reducing it to a set amount (e.g., £1,000 per year) can be a good compromise. This is usually enough to cover the initial consultations and diagnostics to get the ball rolling.
  • Talk to a Broker: An independent broker like WeCovr has access to the whole market. We can compare dozens of policies and use our expertise to find hidden discounts and build a policy that fits your budget perfectly, at no extra cost to you.

Beyond Insurance: A Proactive Approach to Health in Retirement

While having the right insurance is crucial, the best way to manage your health and keep premiums down is to stay healthy. Retirement offers a fantastic opportunity to focus on your wellbeing.

  • Nourish Your Body: A balanced diet rich in fruit, vegetables, lean protein, and whole grains is vital. The NHS recommends aiming for at least five portions of fruit and veg a day. Staying hydrated is also key for energy and organ function.
  • Stay Active: The NHS guidelines for adults aged 65 and over recommend at least 150 minutes of moderate-intensity activity a week (like brisk walking) or 75 minutes of vigorous-intensity activity (like jogging). Include activities that improve strength, balance, and flexibility.
  • Prioritise Sleep: Good sleep is restorative for both mind and body. Aim for 7-9 hours per night and establish a regular sleep routine.
  • Stay Socially Connected: Loneliness can have a significant negative impact on health. Make time for friends, family, local clubs, or volunteering to keep your mind sharp and spirits high.
  • Travel Smart: If you plan to travel, check your PMI policy. Most UK policies only cover treatment in the UK. You will still need separate travel insurance for medical emergencies abroad.

As a WeCovr customer, you also get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to help you on your wellness journey. Furthermore, clients who purchase PMI or Life Insurance through us are often eligible for discounts on other types of cover, such as home or travel insurance.

The WeCovr Advantage: Why Use a Broker for Your Retirement PMI?

Navigating the transition from a company scheme to a personal policy can be complex. Using an independent, FCA-authorised broker like WeCovr simplifies the entire process and provides numerous benefits, especially for retirees.

  • Expert, Impartial Advice: We are not tied to any single insurer. Our only goal is to find the best policy for you. We explain the pros and cons of every option.
  • Market-Wide Comparison: We use our technology and expertise to compare policies from all the leading UK providers, saving you hours of research.
  • No Cost to You: Our service is free. We are paid a commission by the insurer you choose, which is already built into the premium. You pay the same price as going direct, but you get our expert guidance included.
  • Help with Applications: Whether you are choosing a Continuation, CPME, or a new policy, we help with the paperwork to ensure it's completed correctly.
  • High Customer Satisfaction: We pride ourselves on clear communication and exceptional service, which is reflected in our high customer satisfaction ratings.
  • Annual Reviews: At renewal, we don't just let your policy roll over. We will re-evaluate the market to ensure you are still on the best possible plan for your needs and budget.

Frequently Asked Questions (FAQs)

Do I need to have a medical examination to get health insurance in retirement?

Generally, no. For most UK private medical insurance policies, you will not be required to have a medical examination. The insurer's decision is based on the underwriting method you choose. If you select 'Full Medical Underwriting' (FMU), your acceptance and any exclusions will be based on the answers you provide in a health questionnaire. If you choose 'Moratorium' underwriting, no medical questions are asked upfront, but your recent medical history will be reviewed if you make a claim.

Will my private medical insurance premiums increase every year?

Yes, it is very likely that your premiums will increase each year at renewal. This is due to a combination of three main factors:
  1. Age: As you get older, the statistical risk of needing medical treatment increases, so insurers adjust premiums accordingly on your birthday.
  2. Medical Inflation: The cost of new medical technologies, drugs, and hospital fees tends to rise faster than general inflation. This is passed on to the premiums.
  3. Claims History: If you have made a claim on your policy, it may affect your no-claims discount, leading to a higher premium at renewal.
An independent broker can help you review your cover each year to ensure it remains competitive.

What happens if I develop a chronic condition like diabetes after I've bought my policy?

This is a very important point. Because the condition developed *after* your policy started, your private medical insurance will typically cover the 'acute' phase. This means it will pay for the initial consultations with a specialist, diagnostic tests, and scans needed to diagnose the condition and establish a treatment plan. However, once the condition is diagnosed as chronic (e.g., diabetes that requires lifelong management), the ongoing, long-term care, medication, and monitoring would then revert to the NHS. The purpose of PMI is to diagnose and treat acute flare-ups, not to manage chronic conditions indefinitely.

Can I add my spouse or partner to my new individual health insurance policy?

Yes, absolutely. You can create a joint policy that covers both you and your spouse or partner. In some cases, insurers may offer a small discount for a joint policy compared to two separate individual ones. If your partner was also on your old company scheme, you may be able to both move onto a continuation or CPME plan together. If they were not, they would typically need to be underwritten as a new member of your personal policy.

Secure Your Health and Peace of Mind in Retirement

Leaving a company health scheme doesn't have to mean leaving quality healthcare behind. By understanding your options—Continuation, CPME, or a new policy—you can take control of your health cover for the years ahead. The right private medical insurance policy gives you the security of knowing that should you need eligible treatment, you can access it quickly, comfortably, and with a specialist of your choice.

Ready to explore your options and find the perfect private health cover for your retirement?

Contact WeCovr today for a free, no-obligation quote. Our expert advisors are ready to help you compare the market and secure your peace of mind.

Related guides

Best Life Insurance Options After a Stroke UK
Best Life Insurance Options After a Stroke UK
Read more →
UK Private Health Insurance Fast-Tracking Your Return to Work After Illness
UK Private Health Insurance Fast-Tracking Your Return to Work After Illness
Read more →
Best Life Insurance for Retirees UK
Best Life Insurance for Retirees UK
Read more →
Health Coverage Calculator UK Over 60s and Retirees
Health Coverage Calculator UK Over 60s and Retirees
Read more →
Health Insurance for Retirees in the UK
Health Insurance for Retirees in the UK
Read more →
Life Insurance for Retirees UK
Life Insurance for Retirees UK
Read more →
Get A Free Quote

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

Our Group Is Proud To Have Issued 900,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

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.

Learn more

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2026 WeCovr. Made with in London