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Hiatus Hernia Explained

Hiatus Hernia Explained 2025 | Top Insurance Guides

At WeCovr, an FCA-authorised broker that has helped arrange over 800,000 policies, we believe in empowering you with clear information. This guide explains hiatus hernia and how private medical insurance can provide a swift route to treatment for UK residents, helping you regain control of your health and well-being.

Learn about hiatus hernia, symptoms, and treatment via private healthcare

A hiatus hernia is a common condition, yet it often goes undiagnosed or is misunderstood. It can cause persistent discomfort that significantly impacts your daily life, from what you eat to how you sleep. While the NHS provides excellent care, long waiting times for diagnosis and treatment can be a source of frustration.

This is where private medical insurance (PMI) comes in. It offers a parallel path, giving you faster access to specialists, diagnostic tests, and treatment, putting you on the road to recovery sooner. In this comprehensive guide, we'll break down everything you need to know about hiatus hernias and how private health cover can make all the difference.

What Exactly is a Hiatus Hernia?

Think of your body as having two main compartments: your chest (thorax) and your abdomen. These are separated by a large, dome-shaped muscle called the diaphragm. Your oesophagus (the tube that carries food from your mouth to your stomach) passes through a small opening in the diaphragm called the hiatus.

A hiatus hernia occurs when the upper part of your stomach bulges or pushes up through this opening into your chest.

It’s a bit like pushing a small balloon through a hole in a sheet of paper. The balloon is your stomach, and the paper is your diaphragm. This misplacement can interfere with the normal functioning of the valve at the bottom of the oesophagus, leading to a host of uncomfortable symptoms.

While the term "hernia" might sound alarming, most hiatus hernias are not life-threatening. However, they can cause chronic discomfort that requires management or treatment.

The Two Main Types of Hiatus Hernia

Hiatus hernias are generally classified into two types, with one being far more common than the other.

  1. Sliding Hiatus Hernia (Type 1): This is the most common type, accounting for over 95% of all cases. In a sliding hernia, the part of the stomach connected to the oesophagus, along with the stomach itself, slides up into the chest through the hiatus. It can slide back and forth, which is why symptoms can come and go.

  2. Para-oesophageal Hernia (Type 2): This type is less common but can be more serious. The top part of the stomach squeezes through the hiatus and sits next to the oesophagus. The junction between the oesophagus and stomach remains in its correct place. The main risk here is that the herniated part of the stomach can become "strangulated," meaning its blood supply is cut off. This is a medical emergency.

Understanding the type of hernia you have is crucial as it dictates the urgency and type of treatment required.

Common Symptoms of a Hiatus Hernia

Many small hiatus hernias cause no problems at all. You could have one for years and never know it. When symptoms do occur, they are most often related to gastro-oesophageal reflux disease (GORD), where stomach acid flows back up into the oesophagus.

Common signs and symptoms include:

  • Heartburn: A burning sensation in your chest, often after eating, which can be worse when lying down or bending over.
  • Acid Reflux: Regurgitating food or sour liquid back into your mouth.
  • Belching (Burping): Frequent and sometimes uncomfortable belching.
  • Difficulty Swallowing (Dysphagia): A feeling that food is stuck in your chest or throat.
  • Chest or Abdominal Pain: Pain that can be mistaken for a heart attack. It's vital to seek immediate medical attention for any new, severe chest pain.
  • Feeling Full Quickly: A sense of fullness after eating only a small amount of food.
  • Bad Breath: Caused by the reflux of stomach contents.
  • Shortness of Breath: A large hernia can press on the lungs, making breathing feel difficult.
  • Vomiting Blood or Passing Black Stools: These are rare but serious symptoms that require urgent medical care, as they can indicate internal bleeding.

The severity of these symptoms doesn't always correlate with the size of the hernia. Some people with large hernias have few symptoms, while others with small ones experience significant discomfort.

What Causes a Hiatus Hernia?

The exact cause isn't always clear, but hiatus hernias typically result from a weakening of the diaphragm muscle. This allows the stomach to push through more easily. Several factors can increase the pressure in your abdomen and contribute to this weakening:

  • Age: The condition is most common in people over 50. Muscle tissue can lose elasticity and weaken with age. The National Institute for Health and Care Excellence (NICE) notes that prevalence increases significantly with age.
  • Obesity: Excess weight puts sustained pressure on the abdomen and diaphragm.
  • Pregnancy: The growing uterus increases intra-abdominal pressure.
  • Persistent, Heavy Coughing: Conditions like chronic bronchitis can strain the diaphragm.
  • Straining During Bowel Movements: Chronic constipation is a known risk factor.
  • Heavy Lifting or Straining: Jobs or hobbies that involve frequent heavy lifting can contribute.
  • Genetics: Some people may be born with a larger hiatal opening than usual.

It’s often a combination of these factors over time that leads to the development of a hiatus hernia.

Diagnosing a Hiatus Hernia: The NHS vs. The Private Pathway

If you're experiencing persistent symptoms, the first step is to get an accurate diagnosis. The journey to diagnosis can vary significantly depending on whether you use the NHS or private healthcare.

The NHS Pathway

  1. GP Appointment: You'll start by visiting your GP to discuss your symptoms. They may prescribe initial medication like antacids or PPIs to see if your symptoms improve.
  2. Referral: If symptoms persist or are severe, your GP will refer you to a gastroenterologist or an upper gastrointestinal (GI) surgeon.
  3. Waiting List: This is often the longest part of the process. According to NHS England data, the median wait time for a referral to treatment can be several months. As of early 2025, waiting lists remain a significant challenge for the health service.
  4. Diagnostic Tests: Once you see a specialist, they will arrange for diagnostic tests.
  5. Follow-up and Treatment Plan: After the tests, you'll have another appointment to discuss the results and formulate a treatment plan, which could involve more waiting for surgery if required.

The Private Pathway with PMI

  1. GP Referral (Often Flexible): Most private medical insurance policies require a GP referral to ensure the specialist you see is appropriate. However, some modern plans offer direct access to specialist services.
  2. Fast-Track Specialist Appointment: You can typically book an appointment with a private consultant within days or a week. You get to choose the specialist and the hospital from your insurer's approved list.
  3. Rapid Diagnostics: Tests like endoscopies are usually performed very quickly, often within a week or two of the consultation. There are no long waiting lists.
  4. Prompt Treatment: If surgery is recommended, it can be scheduled at your convenience, often within a few weeks.

Here’s a simplified comparison:

Stage of JourneyTypical NHS TimelineTypical Private/PMI Timeline
GP to Specialist8 - 18 weeks1 - 2 weeks
Specialist to Diagnostics4 - 8 weeks1 - 2 weeks
Diagnosis to Surgery18 - 52+ weeks2 - 6 weeks
Total Time (Approx.)6 months to 1.5+ years4 - 10 weeks

Note: Timelines are estimates and can vary based on location, urgency, and the specific NHS Trust or private provider.

Key Diagnostic Tests for a Hiatus Hernia

To confirm a diagnosis and rule out other conditions, a specialist will likely recommend one or more of the following tests:

  • Upper GI Endoscopy (or Gastroscopy): This is the gold-standard test. A thin, flexible tube with a camera on the end (an endoscope) is passed down your throat to view your oesophagus, stomach, and the top part of your small intestine. It allows the doctor to see the hernia directly.
  • Barium Swallow (or Barium Meal): You drink a chalky liquid containing barium, which coats the inside of your upper digestive tract. A series of X-rays are then taken. The barium highlights the organs, making the hernia visible on the X-ray images.
  • Oesophageal Manometry: This test measures the rhythmic muscle contractions in your oesophagus when you swallow. It also measures the force and coordination of the muscles and the valve at the bottom of the oesophagus. It's often done before surgery to ensure the oesophagus is functioning properly.

With private health cover, these tests can be arranged swiftly, providing you with a clear diagnosis and peace of mind without the lengthy wait.

Treatment Options: From Lifestyle Tweaks to Surgery

Treatment for a hiatus hernia is tailored to the severity of your symptoms. For many, simple lifestyle changes and medication are enough to manage the condition effectively.

1. Lifestyle and Dietary Changes

This is the first line of defence and can make a huge difference.

  • Eat Smaller, More Frequent Meals: Large meals expand your stomach and increase pressure, making reflux more likely.
  • Avoid Trigger Foods: Common culprits include spicy foods, fatty or fried foods, citrus fruits, tomatoes, chocolate, mint, onions, garlic, and caffeine. Keep a food diary to identify your personal triggers.
  • Maintain a Healthy Weight: Losing even a small amount of excess weight can significantly reduce pressure on your abdomen. For WeCovr members, our complimentary CalorieHero AI-powered app can be a fantastic tool to help track your nutrition and support your weight management goals.
  • Don't Lie Down After Eating: Wait at least 3 hours after a meal before lying down or going to bed.
  • Elevate the Head of Your Bed: Use blocks or a wedge pillow to raise the head of your bed by 6-8 inches. This uses gravity to help keep stomach acid down. Piling up pillows is less effective as it can bend your waist and increase pressure.
  • Avoid Tight Clothing: Belts and waistbands that are too tight can squeeze your stomach and worsen reflux.
  • Stop Smoking: Nicotine relaxes the valve at the bottom of the oesophagus, making reflux worse.

2. Medication

If lifestyle changes aren't enough, your doctor may recommend medication.

  • Antacids: Over-the-counter liquids or tablets (e.g., Gaviscon, Rennie) that neutralise stomach acid for short-term relief.
  • H2-Receptor Blockers: These reduce acid production. They are available over-the-counter (e.g., ranitidine, famotidine) or on prescription.
  • Proton Pump Inhibitors (PPIs): These are the most powerful drugs for reducing acid production and are highly effective for healing an inflamed oesophagus. Examples include omeprazole, lansoprazole, and esomeprazole. They are typically prescribed by a doctor.

3. Surgical Treatment

Surgery is usually reserved for cases where:

  • Medication and lifestyle changes fail to control severe reflux symptoms.
  • There are complications, such as severe inflammation, bleeding, or narrowing of the oesophagus (a stricture).
  • You have a large para-oesophageal hernia, which carries a risk of strangulation.

The most common surgical procedure is called laparoscopic Nissen fundoplication.

  • What is it? It's a keyhole surgery. The surgeon makes several small incisions in the abdomen and uses special instruments to repair the hernia. They pull the stomach back down into the abdomen and wrap the top part of the stomach (the fundus) around the lower oesophagus.
  • How does it work? This wrap tightens the valve between the oesophagus and stomach, preventing acid from refluxing. The surgeon also makes the opening in the diaphragm (the hiatus) smaller to prevent the stomach from bulging through again.
  • Benefits of Laparoscopic Surgery: Compared to open surgery, keyhole surgery means less pain, smaller scars, a shorter hospital stay (usually 1-2 days), and a quicker recovery.

Accessing this surgery through the private sector via PMI means you can avoid the long NHS waiting lists and have the procedure done by a surgeon of your choice at a time that suits you.

How Private Medical Insurance Covers Hiatus Hernia

This is where understanding the fundamentals of private medical insurance UK policies is crucial. PMI is designed to cover the diagnosis and treatment of acute conditions that arise after your policy has started.

An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. A newly symptomatic hiatus hernia that requires treatment would typically fall into this category.

The Critical Rule: Pre-existing and Chronic Conditions

Standard UK PMI policies do not cover pre-existing conditions. This is the single most important rule to understand.

  • What is a pre-existing condition? It's any illness or symptom you have had, sought advice for, or received treatment for before your policy start date. If you've been to your GP with heartburn and acid reflux before taking out insurance, any subsequent diagnosis of a hiatus hernia will likely be excluded from your cover.
  • What is a chronic condition? It's a condition that cannot be cured but can be managed, such as diabetes or asthma. While the initial diagnosis and treatment of a hiatus hernia are acute, the long-term management of mild, ongoing reflux could be considered chronic by some insurers and may not be covered indefinitely.

An expert PMI broker like WeCovr can help you understand the different types of underwriting (e.g., 'moratorium' vs. 'full medical underwriting') which determine how pre-existing conditions are handled.

How WeCovr Can Help You Find the Right Cover

Navigating the world of private health cover can be complex. As an independent broker, WeCovr works for you, not the insurance companies.

  1. Market Comparison: We compare policies from all the leading UK insurers to find a plan that fits your needs and budget.
  2. Expert Advice: We explain the jargon and the fine print, ensuring you understand exactly what is and isn't covered. Our advice comes at no extra cost to you.
  3. Tailored Policies: We help you choose the right level of cover, from outpatient limits to hospital lists, so you're not paying for benefits you don't need.
  4. Ongoing Support: We are here to help if you need to make a claim, and we can also help you find discounts on other policies, such as life insurance, when you purchase PMI with us. WeCovr's high customer satisfaction ratings reflect our commitment to our clients.

Living Well and Staying Active with a Hiatus Hernia

Managing a hiatus hernia is not just about medical treatment; it's about adopting a lifestyle that minimises symptoms and improves your quality of life.

Area of LifeDo'sDon'ts
DietEat small, regular meals. Chew food thoroughly. Stay hydrated with water.Avoid large, heavy meals. Steer clear of your known trigger foods (spicy, fatty, acidic). Don't eat late at night.
ExerciseFocus on low-impact activities like walking, swimming, cycling, and light yoga.Avoid exercises that strain the abdomen, such as heavy weightlifting, crunches, or sit-ups.
SleepElevate the head of your bed. Sleep on your left side, which can help reduce acid reflux.Don't sleep on a flat surface if you suffer from night-time reflux. Avoid eating for 3 hours before bed.
TravelPack your medications. Stick to your dietary routine as much as possible. Stay active with walking tours.Don't overindulge in unfamiliar or rich foods and alcohol. Avoid long periods of sitting immediately after a big meal.

By being mindful of these factors, you can often keep symptoms under control and live a full, active life.


Is a hiatus hernia considered a pre-existing condition for private health insurance?

Yes, if you have been diagnosed with a hiatus hernia or have experienced and sought medical advice for its symptoms (like persistent heartburn or acid reflux) before taking out a private medical insurance policy, it will be considered a pre-existing condition. Standard UK PMI policies do not cover pre-existing conditions. However, if you develop symptoms and are diagnosed *after* your policy begins, it would typically be covered as a new, acute condition.

Can I still get private medical insurance if I already have a hiatus hernia?

Absolutely. You can still get private health cover, and it will provide excellent value for any new, eligible medical conditions you develop in the future. However, the hiatus hernia itself, and any related treatment, will be specifically excluded from your cover. It's important to declare it accurately during the application process.

How much does private hiatus hernia surgery cost in the UK?

The cost of private hiatus hernia surgery (laparoscopic Nissen fundoplication) in the UK typically ranges from £6,000 to £9,000. This price can vary based on the hospital, the surgeon's fees, the location, and the specifics of the procedure. A comprehensive private medical insurance policy would cover these costs for an eligible claim, leaving you to pay only your chosen excess.

What are the benefits of using a PMI broker like WeCovr?

Using an expert broker like WeCovr simplifies the process of finding the best PMI provider for your needs. We provide impartial, whole-of-market advice at no cost to you. We help you compare policies, understand complex terms like underwriting and exclusions, and tailor a policy to your budget. Our goal is to ensure you get the right cover for peace of mind, saving you time and potentially money.

Take the Next Step Towards Peace of Mind

Waiting for a diagnosis or treatment can be stressful and debilitating. Private medical insurance offers a path to faster, more flexible healthcare, putting you in control.

If you're ready to explore your options, the team at WeCovr is here to help. We provide friendly, expert advice to help you navigate the market and find the perfect policy.

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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

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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!

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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.

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

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

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

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

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

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

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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.

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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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