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Hiatus Hernia Private Surgery

Hiatus Hernia Private Surgery 2026 | Top Insurance Guides

Struggling with the persistent discomfort of a hiatus hernia? You're not alone. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we understand the impact on your quality of life. This guide explores your options for private medical insurance in the UK to access prompt diagnosis and treatment.

Learn about hiatus hernia symptoms and treatment via private healthcare

A hiatus hernia can be a source of daily frustration, causing symptoms like heartburn, acid reflux, and difficulty swallowing. While the NHS provides excellent care, long waiting lists can mean a significant delay in getting the treatment you need. For many, this is where private healthcare offers a vital alternative.

This comprehensive guide will walk you through everything you need to know about tackling a hiatus hernia privately. We'll cover:

  • What a hiatus hernia is and its common symptoms.
  • How diagnosis works in the private sector.
  • The differences between the NHS and private treatment pathways.
  • Types of private surgery available in the UK.
  • How private medical insurance can cover the costs.
  • What to expect during recovery and beyond.

Let's dive in and explore how you can regain control of your health.


What Exactly is a Hiatus Hernia?

To understand the treatment, it's helpful to first understand the condition.

Your chest and abdomen are separated by a large, thin muscle called the diaphragm. There's a small opening in this muscle called the hiatus, which allows your oesophagus (the food pipe) to pass through and connect to your stomach.

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

It's a very common condition. In fact, according to NHS guidance, it's thought that around one in three people over the age of 50 have a hiatus hernia, although many will not experience any symptoms.

There are two main types:

  1. Sliding Hiatus Hernia (95% of cases): This is the most common type. The top of the stomach and the section of the oesophagus that joins it slide up into the chest through the hiatus. It often slides back down, especially when you stand up.
  2. Para-oesophageal (or 'Rolling') Hiatus Hernia: This is less common but can be more serious. A part of the stomach pushes up through the hole alongside the oesophagus. It doesn't slide back and forth, and there's a risk its blood supply could be cut off (strangulation), which is a medical emergency.

For many, a small hiatus hernia causes no problems. But for others, it can lead to persistent and uncomfortable symptoms that significantly disrupt daily life.

Common Symptoms of a Hiatus Hernia

The main issue with a hiatus hernia is that it weakens the valve (the lower oesophageal sphincter) that's meant to stop stomach acid from flowing back up into your oesophagus. This backflow is known as gastro-oesophageal reflux disease (GORD), and it's the cause of most hiatus hernia symptoms.

If you have a symptomatic hiatus hernia, you might experience:

SymptomDescription
HeartburnA burning sensation in the chest, often after eating, which may be worse at night.
Acid RefluxA sour or bitter taste in your mouth as stomach acid comes back up.
Belching & BloatingFeeling full quickly, gassy, and frequently needing to burp.
DysphagiaDifficulty or pain when swallowing, feeling like food is stuck in your chest.
Chest PainA sharp or burning pain in the chest that can sometimes be mistaken for a heart attack.
Bad BreathHalitosis caused by regurgitated stomach contents.
Hoarseness or Sore ThroatA persistent cough or change in your voice, especially in the morning.
NauseaFeeling sick, sometimes leading to vomiting.

These symptoms can be triggered or made worse by certain foods (spicy, fatty), large meals, lying down after eating, and bending over.


Getting a Diagnosis: The NHS vs. The Private Route

If you're experiencing these symptoms, the first step is always to see your GP. They will assess your condition and can often make a preliminary diagnosis based on your symptoms alone.

The NHS Pathway

  1. GP Consultation: Your GP will likely recommend initial lifestyle changes and may prescribe medication like antacids or a Proton Pump Inhibitor (PPI) such as omeprazole to reduce stomach acid.
  2. Referral to a Specialist: If your symptoms are severe or don't improve with medication, your GP will refer you to a gastroenterologist or an upper gastrointestinal (GI) surgeon on the NHS.
  3. Waiting Lists: This is where delays often occur. According to the latest NHS England data, referral-to-treatment (RTT) waiting times can be many months long. As of late 2024, the overall waiting list for consultant-led elective care stood at over 7.5 million procedures, highlighting the strain on the system.
  4. Diagnostic Tests: Once you see a specialist, they may arrange for further tests like an endoscopy (a camera test to look at your oesophagus and stomach) or a barium swallow x-ray.
  5. Treatment Plan: Based on the results, a treatment plan will be made, which could involve long-term medication or, in severe cases, a recommendation for surgery. The waiting time for the surgery itself can add further significant delays.

The Private Healthcare Pathway

The private route offers a way to bypass these long waits, giving you faster access to specialists and diagnosis.

StageNHS PathwayPrivate Pathway (with PMI or Self-Pay)
GP ReferralRequired. You are referred to a specific NHS hospital trust.Often required by insurers. You can request an 'open referral' to choose any specialist/hospital within your insurer's network.
Wait for SpecialistMonths, sometimes over a year.Days or weeks.
Wait for DiagnosticsCan be weeks or months after the specialist appointment.Often done within a week, sometimes on the same day as the consultation.
Choice of SpecialistLimited. You see the consultant available at your local trust.You can choose your preferred consultant and hospital from your insurer's approved list.
Wait for SurgeryMonths or even years for non-urgent procedures.Typically scheduled within a few weeks of the decision to operate.
EnvironmentNHS ward, which may be shared with several other patients.Private en-suite room for your recovery.

Using private medical insurance in the UK is the most common way to fund private treatment. It allows you to access this faster pathway without facing a daunting upfront bill.


Is a Hiatus Hernia Covered by Private Medical Insurance?

This is the most critical question for many, and the answer depends on one key factor: whether it is a pre-existing condition.

UK private medical insurance (PMI) is designed to cover acute conditions that arise after your policy has started. It does not cover chronic or pre-existing conditions.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a cataract, a hernia, a joint replacement).
  • 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 (e.g., diabetes, asthma, high blood pressure).
  • Pre-existing Condition: Any illness or symptom for which you have sought advice, diagnosis, or treatment before the start of your policy.

Here's how this applies to a hiatus hernia:

  • If you are diagnosed with a hiatus hernia AFTER your PMI policy begins: Your policy will almost certainly cover the costs of diagnosis and treatment, including surgery if deemed necessary by a consultant. This is a classic example of what PMI is for.
  • If you were diagnosed or had symptoms BEFORE your PMI policy begins: The hiatus hernia will be considered a pre-existing condition and will be excluded from cover. This applies even if you just had symptoms (like persistent heartburn) but didn't have a formal diagnosis yet.

Underwriting: How Insurers Assess Pre-existing Conditions

When you apply for a policy, insurers use a process called underwriting to decide what they will and won't cover.

Underwriting TypeHow it Works for a Hiatus Hernia
Moratorium (Most Common)You don't declare your medical history upfront. The insurer automatically excludes any condition you've had in the 5 years before your policy started. However, if you go for a set period (usually 2 years) without any symptoms, treatment, or advice for that condition, the exclusion may be lifted.
Full Medical Underwriting (FMU)You complete a detailed health questionnaire. The insurer reviews your medical history and may write to your GP. They will then explicitly state what is excluded from your policy from day one. This provides certainty but means a pre-existing hiatus hernia will be permanently excluded.

An expert PMI broker like WeCovr can help you understand the nuances of underwriting and find a policy that best suits your personal circumstances, completely free of charge.


Private Hiatus Hernia Surgery: Your Options

If lifestyle changes and medication haven't worked, or if your hernia is severe, your consultant may recommend surgery. The goal of surgery is to repair the hernia and reinforce the valve at the bottom of the oesophagus to prevent acid reflux.

The most common procedure is a laparoscopic Nissen fundoplication. Don't be put off by the name! It's a type of keyhole surgery.

Laparoscopic Nissen Fundoplication

  • What it is: A minimally invasive procedure. The surgeon makes several small incisions in your abdomen and uses a laparoscope (a tiny camera) and special instruments to perform the operation.
  • The Process: The surgeon pulls your stomach back down into the abdominal cavity and tightens the opening in the diaphragm. They then wrap the top part of the stomach (the fundus) around the lower oesophagus. This strengthens the valve, making it much harder for acid to reflux.
  • Benefits:
    • Less pain and scarring than open surgery.
    • Shorter hospital stay (usually 1-2 nights).
    • Quicker recovery time.
    • Very high success rate (over 90%) in relieving reflux symptoms.

Other Surgical Options

While fundoplication is the gold standard, a few other options may be available privately:

  • LINX® System: This involves placing a small, flexible ring of magnetic titanium beads around the oesophagus. The magnetic attraction keeps the valve closed to prevent reflux, but it's weak enough to open when you swallow. It's a less invasive option but not suitable for everyone, particularly those with very large hernias.
  • Endoscopic Procedures (TIF): Transoral Incisionless Fundoplication (TIF) is a newer procedure performed through the mouth with an endoscope, meaning no external cuts. It's less common and generally reserved for smaller hernias.

Your consultant surgeon will discuss the best option for you based on the size of your hernia, your symptoms, and your overall health. With private health cover, you have the freedom to choose a surgeon who specialises in the procedure you're most comfortable with.

What are the Costs of Private Hiatus Hernia Surgery?

If you don't have private medical insurance, you can choose to 'self-pay'. This gives you the same benefits of speed and choice, but you will need to fund the entire cost yourself.

The costs can vary significantly depending on the hospital, the surgeon, and the specific procedure. Below are some estimated 'package price' ranges for 2025. These prices typically include the surgeon's fees, anaesthetist fees, hospital stay, and one follow-up appointment.

ProcedureEstimated UK Private Cost (Self-Pay)
Initial Consultation with a Specialist£200 – £350
Endoscopy (Gastroscopy)£1,500 – £2,500
Laparoscopic Nissen Fundoplication£8,000 – £12,000+
LINX® Reflux Management System£9,000 – £14,000+

Note: These are guide prices only. Diagnostic tests are often charged separately. A comprehensive private medical insurance policy can cover all these costs, subject to the terms and limits of your plan.


Recovery and Life After Surgery

Recovery from keyhole hiatus hernia surgery is generally much faster than from traditional open surgery.

  • Hospital Stay: You'll typically stay in hospital for 1 to 2 nights. In your private room, you'll be monitored by nursing staff to ensure your initial recovery is smooth.
  • Pain: You will have some discomfort around the small incision sites and possibly some shoulder-tip pain (caused by the gas used during surgery), but this is usually well-managed with standard painkillers.
  • Returning to Work: Most people with desk-based jobs can return to work within 2-3 weeks. If you have a more physically demanding job, you may need 4-6 weeks off.
  • Driving: You can usually drive again once you can perform an emergency stop without pain, typically after about 2 weeks.

The Post-Surgery Diet

Your stomach and oesophagus need time to heal. Your surgical team will give you very specific dietary instructions, which you must follow carefully to avoid complications. The progression usually looks like this:

  1. First 2 Weeks (Liquid Diet): You'll start with clear fluids and progress to thicker liquids like smoothies, soups, and yoghurts.
  2. Weeks 3-4 (Soft/Puréed Diet): You can move on to very soft, mushy foods like mashed potatoes, scrambled eggs, and well-cooked fish. You must chew everything thoroughly.
  3. Weeks 5-6 Onwards (Gradual Return to Normal): You can slowly start reintroducing more solid foods. You'll need to take small bites, chew well, and eat slowly.

For several months after surgery, you might find it difficult to swallow large, dry, or 'doughy' items like bread or tough steak. This is normal and usually improves with time.

Long-Term Wellness and Health Tips

Surgery can be life-changing for those with severe reflux, but maintaining a healthy lifestyle is key to long-term success.

  • Diet: Even after surgery, it's wise to avoid overeating and limit trigger foods that used to cause you problems. WeCovr customers who purchase private health or life insurance get complimentary access to CalorieHero, our AI-powered calorie tracking app, which can be a fantastic tool for managing your diet and portion sizes post-surgery.
  • Weight Management: Maintaining a healthy weight reduces pressure on your abdomen and the surgical repair, lowering the risk of recurrence.
  • Sleep: Continue to sleep with your head and shoulders slightly elevated. This uses gravity to help keep any remaining stomach contents where they belong.
  • Activity: Gentle exercise like walking is encouraged soon after surgery. You should avoid heavy lifting for at least 6-8 weeks to allow the internal tissues to heal fully.
  • Travel: You'll be able to travel once you feel comfortable. For long flights, ensure you get up and move around regularly to prevent blood clots, just as you would after any surgery.

By investing in your health through prompt private treatment and adopting these wellness habits, you can look forward to a future free from the daily burden of reflux.

And when you get a policy with us, you can often benefit from discounts on other types of cover, such as life insurance or income protection, helping you build a complete financial safety net for you and your family. WeCovr's commitment to client satisfaction is reflected in our high ratings on major customer review platforms.


Choosing the Best PMI Provider for Your Needs

Finding the right private health cover can feel overwhelming. With so many providers and policy options, how do you choose? This is where working with an independent broker like WeCovr makes all the difference.

We are experts in the private medical insurance UK market. We are not tied to any single insurer, so our advice is completely impartial. Our goal is simple: to help you find the best possible cover for your budget and needs.

We can help you:

  • Compare the Market: We'll compare policies from all the leading UK insurers, such as Bupa, AXA Health, Aviva, and Vitality.
  • Understand the Jargon: We'll explain things like underwriting, outpatient limits, and hospital lists in plain English.
  • Tailor Your Policy: We can help you adjust your cover to manage your premium, for example, by choosing a higher excess or a 6-week wait option.
  • Handle the Application: We'll guide you through the entire application process, making it simple and stress-free.

Our service is provided at no cost to you. We receive a commission from the insurer you choose, but this does not affect the price you pay.

Will my private medical insurance cover a hiatus hernia if I've had heartburn before?

This is a crucial point. If you have sought medical advice or treatment for heartburn symptoms before taking out your policy, an insurer will almost certainly classify the hiatus hernia as a pre-existing condition and exclude it from cover. This is because heartburn is a primary symptom. Insurers look at both formal diagnoses and symptoms when applying exclusions.

Can I get private health cover if I already have a hiatus hernia diagnosis?

Yes, you can still get private health cover, but the policy will exclude the hiatus hernia and any related conditions. However, the policy would still provide valuable cover for new, unrelated acute conditions that might arise in the future, giving you peace of mind for other health concerns.

How much does PMI cost to cover conditions like a hiatus hernia?

The cost of a private medical insurance policy varies widely based on your age, location, the level of cover you choose, and your underwriting type. A basic policy might start from £40-£50 per month, while a comprehensive plan with full outpatient cover and a choice of all UK hospitals could be over £100 per month. The best way to get an accurate figure is to get a tailored quote.


Don't let the discomfort of a hiatus hernia and long waiting lists hold you back. Take the first step towards faster treatment and a better quality of life.

Contact WeCovr today for a free, no-obligation quote and let our expert advisors help you navigate your private healthcare options.


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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 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:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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