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How Does Health Insurance Work in the UK in 2026




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TL;DR

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr is perfectly placed to explain how private medical insurance works in the UK. This definitive 2026 guide will give you the confidence to navigate the world of private health cover, from understanding your options to making a claim. From getting a quote to making a claim — WeCovr's step-by-step guide to private health insurance Navigating the UK's private health insurance market can feel like a complex puzzle.

Key takeaways

  • Acute Conditions (Generally Covered): These are conditions that have a clear and relatively short treatment path. Think of things like joint pain requiring a replacement, cataracts, hernias, or diagnostic tests for new symptoms. The goal of the treatment is to cure the condition.
  • Chronic Conditions (Generally NOT Covered): These are long-term illnesses that cannot be cured but can be managed. Examples include diabetes, asthma, high blood pressure, and arthritis. Management for these conditions will typically remain with your NHS GP.
  • Pre-existing Conditions (Generally NOT Covered): PMI is designed for unforeseen medical issues that arise after your policy begins. Any condition for which you have experienced symptoms, received medication, or sought advice in the years before taking out cover (usually the last 5 years) will be excluded, at least initially.
  • Who needs cover? Is it just for you, for you and a partner, or for the whole family?
  • What is your budget? Be realistic about what you can comfortably afford each month. Premiums are a long-term commitment.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr is perfectly placed to explain how private medical insurance works in the UK. This definitive 2026 guide will give you the confidence to navigate the world of private health cover, from understanding your options to making a claim.

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

Navigating the UK's private health insurance market can feel like a complex puzzle. What does it cover? How much does it cost? And how do you actually use it when you need it?

In a world where health is our greatest asset, having a clear plan is more important than ever. This guide cuts through the jargon and lays out a simple, step-by-step path to understanding private medical insurance (PMI). We'll cover everything you need to know to make an informed decision for you and your family's wellbeing in 2026.

What is Private Medical Insurance (PMI) and Why Consider It in 2026?

Private Medical Insurance, often called private health cover, is an insurance policy designed to cover the costs of private healthcare for specific types of medical conditions. In essence, you pay a monthly or annual premium, and in return, the insurer covers the expense of eligible treatments in a private hospital or clinic.

The primary role of PMI is to work alongside the NHS, not replace it. The NHS remains a cornerstone of UK healthcare, providing excellent emergency care (A&E), GP services, and management of long-term chronic illnesses.

However, with increasing demand, the NHS is facing significant pressure. The total number of treatment pathways on NHS waiting lists in England has remained stubbornly high, with millions of people waiting for routine procedures. According to NHS England data from late 2025, the figure hovers in the millions, leading to lengthy delays for consultations and treatments like hip replacements, cataract surgery, and hernia repairs.

This is where PMI steps in. Its main purpose is to provide cover for acute conditions — diseases, illnesses, or injuries that are likely to respond quickly to treatment and return you to your previous state of health.

The Critical Distinction: Acute vs. Chronic Conditions

Understanding this difference is the single most important part of knowing how PMI works.

  • Acute Conditions (Generally Covered): These are conditions that have a clear and relatively short treatment path. Think of things like joint pain requiring a replacement, cataracts, hernias, or diagnostic tests for new symptoms. The goal of the treatment is to cure the condition.
  • Chronic Conditions (Generally NOT Covered): These are long-term illnesses that cannot be cured but can be managed. Examples include diabetes, asthma, high blood pressure, and arthritis. Management for these conditions will typically remain with your NHS GP.
  • Pre-existing Conditions (Generally NOT Covered): PMI is designed for unforeseen medical issues that arise after your policy begins. Any condition for which you have experienced symptoms, received medication, or sought advice in the years before taking out cover (usually the last 5 years) will be excluded, at least initially.

Key Benefits of Private Medical Insurance

BenefitHow It Helps YouReal-World Example
Speed of AccessBypass long NHS waiting lists for consultations, diagnostics (like MRI/CT scans), and surgery.Instead of waiting 9 months for a knee operation on the NHS, you could be seen by a specialist and have surgery within weeks.
Choice and ControlChoose your specialist, consultant, and hospital from a pre-approved network provided by your insurer.You can research the leading orthopaedic surgeon in your area and request to be treated by them at a hospital near your home.
Private FacilitiesReceive treatment in a comfortable, private room, often with an en-suite bathroom, better food, and more flexible visiting hours.After your operation, you recover in a quiet, private space, helping you rest and recuperate more effectively.
Access to Specialist DrugsGain access to some new, innovative drugs or treatments that may not be routinely available on the NHS due to cost or other guidelines.A specific type of cancer drug that has been approved for private use but is not yet standard on the NHS might be covered by your policy.

Step 1: Understanding Your Needs and Getting a Quote

Before diving into quotes, the first step is to think about what you actually want from a policy. Answering these questions will help you and your broker tailor the perfect plan.

  • Who needs cover? Is it just for you, for you and a partner, or for the whole family?
  • What is your budget? Be realistic about what you can comfortably afford each month. Premiums are a long-term commitment.
  • What are your priorities? Is fast access to diagnostics most important? Or is comprehensive cancer care your main concern? Do you want mental health support included?

Once you have a rough idea, it's time to explore your options. This is where using an expert PMI broker like WeCovr becomes invaluable. We provide impartial, market-wide advice at no cost to you, helping you find a policy that truly matches your needs without the pressure of going direct to a single insurer.

What Factors Determine Your PMI Premium?

Your monthly premium is calculated based on several key factors:

  1. Age: This is the most significant factor. The risk of needing medical treatment increases as we get older, so premiums rise accordingly.
  2. Location: Healthcare costs vary across the UK. Living in Central London, for example, will result in higher premiums than living in a more rural area.
  3. Level of Cover: A basic policy covering only in-patient treatment will be cheaper than a comprehensive one that includes out-patient diagnostics, therapies, and mental health cover.
  4. Excess: This is the amount you agree to pay towards the cost of a claim. A higher excess (e.g., £500) will lower your monthly premium, while a lower excess (e.g., £100) will increase it.
  5. Hospital List: Insurers offer different tiers of hospitals. A policy with a nationwide list including premium London hospitals will be more expensive than one with a more restricted local network.
  6. Underwriting: The method the insurer uses to assess your medical history will affect your cover and sometimes the price.

Decoding Your Policy: Core Cover vs. Optional Extras

Think of a PMI policy like building with LEGO. You start with a solid base (Core Cover) and then add extra bricks (Optional Extras) to build the exact structure you want.

Core Cover: The Foundation of Your Policy

Almost every private health insurance UK policy is built on a foundation of core cover. This typically includes:

  • In-patient and Day-patient Treatment: This covers costs when you are admitted to a hospital bed, either overnight (in-patient) or just for the day (day-patient). This includes:
    • Hospital accommodation and nursing care.
    • Surgeons' and anaesthetists' fees.
    • Specialist consultations while you are in hospital.
    • Diagnostic tests like MRI scans, CT scans, and X-rays while admitted.
  • Comprehensive Cancer Cover: This is a huge selling point for PMI. Most policies offer extensive cancer cover as standard, including diagnosis, surgery, chemotherapy, and radiotherapy. It often provides access to specialist drugs and treatments not always funded by the NHS.

Optional Extras: Tailoring Your Cover

This is where you can customise your policy to fit your priorities and budget.

Optional ExtraWhat It CoversWhy You Might Want It
Out-patient CoverConsultations and diagnostic tests that do not require a hospital bed. This is for the diagnostic phase before a decision to operate is made.This is one of the most valuable add-ons. It allows you to bypass long waits for specialist appointments and scans, speeding up your diagnosis significantly.
Mental Health CoverAccess to support from psychiatrists, psychologists, and therapists for conditions like anxiety, stress, and depression.With growing awareness of mental wellbeing, this provides fast access to professional support when you need it most, avoiding long NHS waiting lists for therapy.
Therapies CoverPays for treatments like physiotherapy, osteopathy, and chiropractic care, usually following a GP or specialist referral.Essential for recovery from sports injuries, accidents, or operations. It helps you get back on your feet faster.
Dental & Optical CoverProvides cover for routine check-ups, emergency dental work, and contributions towards glasses or contact lenses.A useful addition for those who want to bundle all their health-related costs into a single, predictable plan.

At WeCovr, our expert advisors specialise in helping you understand these options. We can run quotes with and without these extras, showing you exactly how they impact the price and helping you decide what's truly essential for you.

Underwriting Explained: Moratorium vs. Full Medical Underwriting (FMU)

"Underwriting" is the process an insurer uses to review your medical history and decide what they will and will not cover. This is where the rules around pre-existing conditions come into play. There are two main types in the UK.

1. Moratorium (Mori) Underwriting

This is the most common and straightforward method.

  • How it works: You don't have to fill out a detailed medical questionnaire. The insurer automatically excludes any condition for which you have had symptoms, treatment, or advice in the 5 years leading up to your policy start date.
  • The "2-Year Rule": The key feature of a moratorium is that these exclusions can be reviewed. If you join the policy and go for 2 continuous years without seeking any treatment, advice, or medication for that pre-existing condition, the insurer may then agree to cover it in the future.
  • Best for: People who want a quick and simple application process and haven't had significant health issues in the last few years.

Example: Amelia had physiotherapy for a sore back 3 years ago. She takes out a policy with moratorium underwriting. For the first 2 years of her policy, any back-related problems will be excluded. If she has no back pain or treatment during those 2 years, her back condition could become eligible for cover from year 3 onwards.

2. Full Medical Underwriting (FMU)

This method is more detailed upfront.

  • How it works: You complete a comprehensive health questionnaire, declaring your full medical history. The insurer's underwriting team reviews this information and makes a specific decision on what they will cover.
  • The Outcome: You receive your policy documents with a clear list of any permanent exclusions. There are no grey areas; you know exactly where you stand from day one.
  • Best for: People with a more complex medical history who want certainty about what is covered from the start, or for companies setting up a group scheme.
FeatureMoratorium UnderwritingFull Medical Underwriting (FMU)
Application ProcessQuick and simple, no health forms.Longer, requires a full health questionnaire.
Clarity of CoverExclusions are general; can be uncertain at claim time.Exclusions are specific and listed on your certificate from day one.
Pre-existing ConditionsExcluded for a rolling 2-year period. May become eligible for cover later.Usually excluded permanently. You know where you stand.
Claims ProcessCan be slightly slower as the insurer may need to check your medical history at the point of claim.Often faster as underwriting was completed upfront.

Step 2: Choosing the Right Provider and Policy

The UK has a competitive PMI market with several well-established providers, including Bupa, Aviva, AXA Health, Vitality, and The Exeter. Each has its own strengths, hospital lists, and unique selling points.

Comparing them can be time-consuming, which is why a PMI broker is so helpful. We have access to the whole market and can present you with like-for-like quotes in an easy-to-understand format.

Below is an illustrative example of how different policy tiers might look. Please note these are not real quotes; prices are highly individual.

FeaturePolicy 'Bronze' (Example)Policy 'Silver' (Example)Policy 'Gold' (Example)
Est. Monthly Cost£45£75£120
Core CoverYes (In-patient/Day-patient)Yes (In-patient/Day-patient)Yes (In-patient/Day-patient)
Cancer CoverComprehensiveComprehensiveComprehensive
Out-patient CoverNoneUp to £1,000 limitUnlimited
Mental HealthNoneAdd-on availableIncluded
Therapies CoverAdd-on availableAdd-on availableUp to 10 sessions included
Hospital ListLocal / Reduced networkNationwide (excl. Central London)Nationwide (incl. Central London)
Excess£500£250£100

This table shows how you can adjust different levers to manage your premium. Opting for a higher excess or a more limited hospital network can make a comprehensive policy more affordable.

Step 3: Making a Claim – A Step-by-Step Guide

So, you have your policy in place and a new health concern arises. How do you actually use your insurance? The process is refreshingly straightforward.

  1. Visit Your GP: The journey almost always begins with your NHS GP. You cannot self-refer to a specialist under most policies. Your GP will assess your symptoms.
  2. Get an Open Referral: If your GP agrees you need to see a specialist, they will write you a referral letter. It's best to ask for an 'open referral', which simply names the type of specialist (e.g., "Orthopaedic Surgeon" or "Cardiologist") rather than a specific doctor's name. This gives your insurer the flexibility to guide you to a specialist from their approved list.
  3. Contact Your Insurer: Call your insurer's claims line. You'll need your policy number and the details from your GP referral. Explain the situation and what your GP has recommended.
  4. Receive Authorisation: The insurer will check that your policy covers the condition and the required consultation or test. If everything is in order, they will give you an authorisation number. This is your green light to proceed.
  5. Book Your Appointment: Your insurer will often provide a list of approved specialists and hospitals. Some may even offer a service to book the appointment for you. You can then arrange a time that suits you.
  6. Attend and Get Treated: You attend your consultation, diagnostic scan, or surgery.
  7. Billing is Handled Directly: The best part? The hospital and specialist will send their bills directly to your insurance company. You don't have to handle any invoices or pay for anything upfront, apart from your pre-agreed excess. You pay your excess once per claim or once per policy year, depending on your terms.

Example in Action: David, 45, develops persistent stomach pain. He sees his NHS GP, who recommends a gastroscopy and provides an open referral to a gastroenterologist. David calls his PMI provider, gives them his policy details and referral information. The insurer authorises the consultation and scan, providing an authorisation code. David is seen by a specialist at a private hospital the following week. The bills are sent directly to his insurer. David only has to pay the £250 excess on his policy.

Beyond Treatment: Wellness Benefits and Added Value in 2026

Modern private medical insurance is about more than just reacting to illness; it's about proactively supporting your health and wellbeing. Insurers recognise that a healthy customer is less likely to claim, so they offer a range of brilliant incentives.

These can include:

  • Discounted gym memberships and fitness trackers.
  • Rewards for hitting activity goals (e.g., free cinema tickets or coffee).
  • Digital GP services for 24/7 video consultations.
  • Mental health support apps and phone lines.
  • Annual health check-ups and screenings.

The WeCovr Advantage

We believe in proactive health too. That's why every client who takes out a private medical insurance or life insurance policy with WeCovr receives complimentary access to CalorieHero, our exclusive AI-powered calorie and nutrition tracking app. It's our way of helping you build healthy habits for the long term.

Furthermore, WeCovr clients often benefit from discounts on other types of insurance. If you arrange your PMI through us, we can help you find preferential rates on policies like life insurance or income protection, providing a holistic and cost-effective approach to your financial and physical wellbeing. Our high customer satisfaction ratings reflect our commitment to delivering exceptional value and service.

Common Misconceptions About Private Health Insurance

Let's clear up a few common myths about PMI in the UK.

  • Myth 1: "PMI replaces the NHS." Fact: Not at all. It works in partnership with the NHS. You will always rely on the NHS for emergency services (A&E), managing chronic conditions, and routine GP appointments. PMI is for planned, non-emergency treatment for acute conditions.

  • Myth 2: "It's a waste of money if I don't claim." Fact: Like any insurance, you are paying for peace of mind and protection against the unexpected. Knowing you can bypass long waiting lists and get prompt, high-quality care if you become unwell provides immense value, even if you never have to use it. Plus, the added wellness benefits often provide tangible value every month.

  • Myth 3: "It's only for the very wealthy." Fact: While it is a financial commitment, a good broker can tailor a policy to suit a wide range of budgets. By adjusting the excess, hospital list, and level of out-patient cover, you can create an affordable plan that still provides a crucial safety net. Many people are surprised by how accessible it can be.

Frequently Asked Questions (FAQ)

Can I get health insurance if I have a pre-existing condition?

Yes, you can still get a policy, but it's crucial to understand that standard private medical insurance in the UK does not cover pre-existing or chronic conditions. Any illness or symptom you've had in the 5 years before your policy starts will be excluded, at least initially. Under a moratorium policy, this exclusion could be lifted if you go 2 years without any treatment, symptoms, or advice for that condition after your policy begins.

How much does private health insurance cost in the UK in 2026?

The cost is highly individual and can range from around £40 per month for a young, healthy individual with a basic policy to over £200 for an older person with comprehensive cover. The final price depends on your age, location, the level of cover you choose, your excess, and the hospital network you select. The best way to get an accurate figure is to get a personalised quote.

Is it better to go directly to an insurer or use a broker like WeCovr?

Using an independent, FCA-authorised broker like WeCovr offers significant advantages. We provide impartial advice and compare policies from across the entire market to find the best fit for your specific needs and budget. This service comes at no extra cost to you. Going directly to an insurer means you only see their products and may miss out on a more suitable or better-value policy from a competitor. A broker works for you, not the insurance company.

Ready to take control of your healthcare journey?

Understanding how health insurance works is the first step towards peace of mind. The next is finding the right policy. Let our friendly experts do the hard work for you.

Get your free, no-obligation quote from WeCovr today and discover how affordable and simple securing the best private medical insurance UK cover can be.

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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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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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