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How Does Health Insurance Work in the UK

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
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TL;DR

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the UK private medical insurance market inside out. This guide demystifies how it works, giving you the confidence to protect your health and bypass NHS waiting lists for eligible treatments. From getting a quote to making a claim — WeCovr's step-by-step guide to private health insurance The UK is rightly proud of its National Health Service (NHS).

Key takeaways

  • Speed: Bypass long NHS waiting lists for consultations, scans, and surgery.
  • Choice: Select your specialist, consultant, and hospital from your insurer's approved list.
  • Comfort: Access to private rooms, often with en-suite facilities, better food, and more flexible visiting hours.
  • Access to Specialist Care: Quicker access to diagnostic tests like MRI and CT scans.
  • Advanced Treatments: Some policies offer cover for drugs and treatments not yet available on the NHS due to cost or NICE (National Institute for Health and Care Excellence) approval delays.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the UK private medical insurance market inside out. This guide demystifies how it works, giving you the confidence to protect your health and bypass NHS waiting lists for eligible treatments.

From getting a quote to making a claim — WeCovr's step-by-step guide to private health insurance

The UK is rightly proud of its National Health Service (NHS). It’s a world-class institution providing free healthcare at the point of need. However, with growing pressures and lengthening waiting lists, more people are turning to private medical insurance (PMI) for peace of mind and faster access to treatment.

But how does it all work? The world of insurance can seem complex, filled with jargon like 'moratoriums' and 'excesses'. This guide cuts through the noise. We'll walk you through the entire process, from figuring out what you need to making your first claim, step by simple step.

What is Private Medical Insurance (PMI)? A Health Safety Net

Think of private medical insurance as a health safety net running alongside the NHS. You pay a monthly or annual premium to an insurer. In return, if you develop a new, eligible medical condition after your policy starts, the insurer covers the costs of private diagnosis and treatment.

The Golden Rule of UK PMI: Private health insurance is designed to cover acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.

This is the most crucial point to understand:

Standard private medical insurance in the UK does not cover pre-existing conditions or chronic conditions. A chronic condition is one that is long-lasting and often has no cure, such as diabetes, asthma, or high blood pressure. These will continue to be managed by the NHS.

The primary benefit of PMI is choice and speed. According to recent NHS England data, the waiting list for routine hospital treatment stood at around 7.5 million in 2024. With PMI, you can often see a specialist and receive treatment in a matter of weeks, not months or years.

Key reasons people buy private health cover:

  • Speed: Bypass long NHS waiting lists for consultations, scans, and surgery.
  • Choice: Select your specialist, consultant, and hospital from your insurer's approved list.
  • Comfort: Access to private rooms, often with en-suite facilities, better food, and more flexible visiting hours.
  • Access to Specialist Care: Quicker access to diagnostic tests like MRI and CT scans.
  • Advanced Treatments: Some policies offer cover for drugs and treatments not yet available on the NHS due to cost or NICE (National Institute for Health and Care Excellence) approval delays.

Step 1: Getting Started – Understanding Your Needs

Before you even look at a quote, the first step is to think about what you actually need from a policy. A broker like WeCovr can guide you through this, but here are the key questions to ask yourself:

  1. Who needs cover?

    • Individual: Just for you.
    • Couple: For you and your partner.
    • Family: For you, your partner, and your children (usually up to age 21, or 25 if in full-time education).

  2. What's your budget?

    • PMI premiums can range from £30 a month for basic cover for a young person, to several hundred pounds for a comprehensive family policy. Be realistic about what you can comfortably afford each month.

  3. What level of cover do you want?

    • Basic/Entry-Level: Primarily covers inpatient treatment (when you're admitted to a hospital bed overnight). It might have limits on outpatient diagnostics and consultations.
    • Mid-Range: Offers more comprehensive inpatient cover and a decent allowance for outpatient services (e.g., £1,000-£1,500 for consultations and scans). This is the most popular level of cover.
    • Comprehensive: Provides extensive cover for both inpatient and outpatient treatment, often with full cover for scans and tests. It may also include add-ons like dental, optical, and mental health support.

Think about what's most important to you. Is it just about covering the cost of surgery if needed? Or do you want peace of mind for the entire diagnostic journey, from the first specialist visit to the final follow-up?

Step 2: Getting a Quote – How Premiums are Calculated

Once you have an idea of your needs, it's time to get a quote. This is where you see how insurers translate your personal details and desired cover into a monthly price.

Several key factors determine your premium:

  • Age: This is the single biggest factor. The older you are, the higher the statistical likelihood of needing medical treatment, so premiums increase with age.
  • Location: Healthcare costs vary across the UK. Living in Central London, where hospital costs are highest, will result in a more expensive premium than living in rural Scotland.
  • Lifestyle: Insurers will ask if you smoke or use nicotine products. Smokers pay significantly more due to the associated health risks.
  • Level of Cover: As discussed, the more comprehensive your policy, the higher the cost.
  • Excess: This is the amount you agree to pay towards a claim. For example, if you have a £250 excess and your treatment costs £3,000, you pay the first £250 and the insurer pays the remaining £2,750. A higher excess lowers your monthly premium.
  • Hospital List: Insurers have tiered lists of hospitals. A policy that gives you access to every private hospital in the UK (including expensive Central London ones) will cost more than one with a more restricted regional list.

Example Monthly PMI Premiums (Illustrative)

To give you a clearer idea, here's a table showing estimated monthly costs for a mid-range policy with a £250 excess. These are for illustrative purposes only.

ProfileLocationSmoker?Estimated Monthly Premium
30-year-old IndividualManchesterNo£45 - £65
45-year-old IndividualBristolNo£70 - £95
Couple (both aged 50)EdinburghNo£150 - £200
Family (Parents 40, two children <10)BirminghamNo£180 - £250

These are industry estimates for 2025. Your actual quote will depend on your specific circumstances and chosen insurer.

Step 3: Choosing Your Policy – Decoding the Jargon

This is where things can get confusing. Let's break down the most important terms and options you'll encounter when comparing policies.

Core Cover Options

  • Inpatient & Day-patient Cover: This is the foundation of every PMI policy.
    • Inpatient: Treatment that requires you to be admitted to a hospital bed overnight.
    • Day-patient: Treatment that requires a hospital bed for the day, but you don't stay overnight (e.g., a minor surgical procedure).
  • Outpatient Cover: This covers treatment where you aren't admitted to a hospital. It's often sold as an add-on or has a financial limit. It includes:
    • Specialist consultations.
    • Diagnostic tests and scans (MRI, CT, PET).
    • Physiotherapy, osteopathy, etc.

Most buyers opt for a policy with some level of outpatient cover, as this is crucial for getting a diagnosis quickly.

Cancer Cover

This is one of the most valued components of any PMI policy. Insurers typically offer three levels:

  1. Included as Standard: All policies provide some level of cancer care, often covering surgery and radiotherapy/chemotherapy.
  2. Full Cancer Cover (Add-on): This is the most comprehensive option. It covers ongoing monitoring, palliative care, and often provides access to new and experimental drugs not yet funded by the NHS.
  3. NHS Cancer Support: A lower-cost option where if you are diagnosed with cancer, you would use the NHS for treatment. The policy might provide a one-off cash benefit or access to specific drugs the NHS won't fund.

Underwriting: The Health Questions Bit

Underwriting is how an insurer assesses your medical history to decide what they will and won't cover. There are two main types in the UK:

  • Moratorium (Mori) Underwriting: This is the most common and simplest option. You don't have to provide a full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms, treatment, or advice for in the 5 years before your policy started.
    • The 2-Year Rule: If you then go 2 continuous years without any symptoms, treatment, or advice for that condition after your policy begins, it may become eligible for cover.
  • Full Medical Underwriting (FMU): You complete a detailed health questionnaire, declaring your full medical history. The insurer then reviews it and tells you exactly what is excluded from day one. This provides certainty but can be more time-consuming.

Comparing Underwriting Types

FeatureMoratorium (Mori) UnderwritingFull Medical Underwriting (FMU)
Upfront ProcessQuick and simple. No medical forms.Requires a detailed health questionnaire.
Cover CertaintyLess certainty initially. Claims can be slower to process.Complete clarity from day one on what is and isn't covered.
Pre-existing ConditionsAutomatically excluded for a set period (usually 2 years).Explicitly excluded in writing from the start.
Best ForPeople with no recent medical issues who want a fast application.People with a complex medical history who want absolute clarity.

Step 4: The Application Process – Going From Quote to Cover

You've chosen your provider and your cover level. What happens next?

  1. Finalise Your Quote: Confirm all details with your broker or insurer. Ensure the cover level, excess, and hospital list are exactly what you want.
  2. Complete the Application: You'll fill out a formal application with your personal details. If you chose FMU, this is where you'll complete the health questionnaire.
  3. Underwriting Review: The insurer's underwriting team will review your application. For moratorium, this is a quick check. For FMU, it's a more detailed review of your medical history.
  4. Policy Documents Issued: Once approved, you'll receive your policy documents, including your certificate of insurance, policy wording, and hospital list. Read these carefully!
  5. Cooling-Off Period: By law, you have a 14-day cooling-off period from the day you receive your documents. You can cancel the policy for any reason during this time and receive a full refund, provided you haven't made a claim.

A Word on Honesty: It is vital to be truthful during your application. Failing to disclose relevant medical information (known as 'non-disclosure') can lead to a claim being rejected or your policy being cancelled.

Step 5: Making a Claim – Your Journey to Private Treatment

This is the moment of truth – when you need to use your policy. The process is designed to be straightforward and is remarkably consistent across all major UK insurers.

The Step-by-Step Claim Process

Let's use a real-life example. Meet David, a 45-year-old policyholder who develops persistent knee pain.

  1. Visit Your GP: David's first stop is his local NHS GP. The GP examines his knee and agrees he needs to see an orthopaedic specialist. The GP provides an 'open referral' letter. This letter recommends specialist care but doesn't name a specific consultant, giving the insurer flexibility.

  2. Contact Your Insurer: Before booking anything, David calls his insurer's claims line. He provides his policy number and details of his symptoms and the open referral from his GP.

  3. Get Pre-Authorisation: The insurer checks his policy. They confirm that musculoskeletal issues are covered and that his outpatient limit is sufficient for a consultation and scan. They issue a pre-authorisation number for the claim. They also provide him with a list of 3-4 approved orthopaedic specialists in his area.

  4. Book Your Appointment: David chooses a specialist from the list at a time and hospital convenient for him. He gives the specialist's secretary his pre-authorisation number.

  5. Diagnosis and Treatment Plan: The specialist recommends an MRI scan to investigate further. David calls his insurer again with this information. The insurer approves the scan under the same claim number. The scan reveals a torn meniscus requiring keyhole surgery (an arthroscopy).

  6. Authorise Treatment: The insurer authorises the surgery, confirming the procedure code and the hospital.

  7. Receive Treatment & Settle the Bill (illustrative): David has the surgery in a private hospital. The hospital and the specialist send their invoices directly to the insurer. The insurer pays the bills in full, minus David's £250 policy excess, which he pays directly to the hospital. He is now on the road to recovery.

What Isn't Covered? Understanding the Exclusions

No insurance policy covers everything. It's just as important to know what's not covered to avoid any unwelcome surprises.

The main exclusions on virtually all UK PMI policies are:

  • Pre-existing Conditions: Anything you had signs, symptoms, or treatment for before the policy began (subject to your underwriting type).
  • Chronic Conditions: Long-term conditions that need ongoing management rather than a cure (e.g., diabetes, asthma, arthritis, hypertension). These remain under the care of the NHS.
  • Emergencies: A&E visits, heart attacks, strokes. You should always call 999 and use the NHS in an emergency. PMI is for planned, non-emergency treatment.
  • Routine Pregnancy & Childbirth: Normal maternity care is not covered, though some comprehensive policies may offer cover for complications.
  • Cosmetic Surgery: Procedures that are not medically necessary.
  • Self-Inflicted Injuries & Substance Abuse: Treatment for alcoholism, drug abuse, or injuries sustained while committing a crime.
  • Routine Dental & Optical: Unless you have purchased a specific add-on for this.

Maximising Your Policy: More Than Just Claims

Modern health insurance is about more than just paying for hospital bills. Providers are increasingly focused on preventative care and wellness, offering a suite of benefits to help you stay healthy.

  • Digital GP Services: Get a GP appointment via phone or video call, often 24/7. This is perfect for getting quick advice, prescriptions, or referrals without waiting for a face-to-face NHS appointment.
  • Mental Health Support: Many policies now include access to telephone counselling lines or a set number of face-to-face therapy sessions for conditions like stress, anxiety, and depression.
  • Wellness & Lifestyle Discounts: Providers like Vitality are famous for this, rewarding healthy behaviour (like hitting step counts) with cinema tickets, coffee, and discounts on gym memberships and wearable tech.
  • Expert Health Information: Access to nurses and health experts via phone for non-urgent medical advice.

Exclusive WeCovr Member Benefits

At WeCovr, we believe in adding value beyond the policy itself. When you arrange your private medical insurance with us, you get:

  • Complimentary Access to CalorieHero: Our intelligent AI-powered calorie and nutrition tracking app. Managing your weight and diet is a cornerstone of good health, and CalorieHero makes it simple and effective.
  • Exclusive Discounts: As a valued WeCovr health insurance client, you'll receive preferential rates on our other insurance products, including life insurance, income protection, and home insurance.

Comparing Top UK PMI Providers

The UK private medical insurance market is mature and competitive, dominated by a few key players. While their core offerings are similar, they each have unique strengths.

ProviderKnown ForKey Differentiator
BupaA household name with a strong brand and a network of its own clinics.Direct access services (no GP referral needed for some conditions).
AXA HealthExcellent customer service and a clear, modular policy structure.Strong focus on mental health support and a flexible "Personal Health" plan.
AvivaOne of the UK's largest insurers, offering a solid all-round policy.The "Expert Select" hospital option can significantly reduce premiums.
VitalityAn innovative approach focused on rewarding healthy living.The Vitality Programme offers extensive discounts and wellness rewards.
The ExeterA smaller, friendly society known for excellent service and flexibility.Considers a wider range of health conditions and occupations.

This is why working with an expert PMI broker is so valuable. At WeCovr, we compare policies from these leading providers and more, matching you with the one that best suits your needs and budget, saving you time and money. Our advice is completely free and impartial.


Do I still need the NHS if I have private health insurance?

Yes, absolutely. Private medical insurance is designed to work alongside the NHS, not replace it. You will still rely on the NHS for emergency services (A&E), managing chronic conditions like diabetes or asthma, and for routine GP appointments. PMI gives you a choice for eligible, non-emergency treatment.

What is the difference between moratorium and full medical underwriting?

Moratorium underwriting is the most common type. It's a quicker process where you don't declare your medical history. Instead, the policy automatically excludes any condition you've had in the 5 years prior. Full Medical Underwriting (FMU) requires you to complete a health questionnaire, and the insurer then provides a definitive list of what is excluded from the start. FMU offers more certainty, while moratorium is faster.

Can I add my family to my health insurance policy?

Yes, you can usually add your partner and dependent children to your policy to create a family plan. Children can typically be covered up to the age of 21, or sometimes 25 if they are in full-time education. Insurers often offer discounts for family policies compared to buying individual plans for everyone.

How can I lower the cost of my private health insurance?

There are several effective ways to reduce your premium. You can choose a higher excess, which is the amount you pay towards a claim. You can also opt for a more restricted hospital list that excludes the most expensive city-centre hospitals. Finally, a "6-week option" can lower costs; this means if the NHS can treat you within 6 weeks for an eligible condition, you use the NHS. If the wait is longer, your private cover kicks in.

Take the Next Step Towards Peace of Mind

Understanding how private health insurance works is the first step to taking control of your healthcare choices. It provides a powerful alternative for prompt diagnosis and treatment, giving you and your family security when you need it most.

Ready to see how affordable private medical insurance can be?

Get your free, no-obligation quote from WeCovr today. Our team of friendly experts will compare the market for you, answer all your questions, and help you build the perfect policy for your needs and budget.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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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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