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How Does Private Medical Insurance Work

As a broking firm that has helped arrange over 1,000,000 policies of various kinds, WeCovr and, where appropriate, broker partners provide expert, unbiased guidance on private medical insurance in the UK. This comprehensive guide explains exactly how it works, demystifying the process from choosing a policy to receiving fast, high-quality medical care when you may need it most.

WeCovr Editorial Team · experienced insurance advisers
Last updated May 14, 2026

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TL;DR

As a broking firm that has helped arrange over 1,000,000 policies of various kinds, WeCovr and, where appropriate, broker partners provide expert, unbiased guidance on private medical insurance in the UK. This comprehensive guide explains exactly how it works, demystifying the process from choosing a policy to receiving fast, high-quality medical care when you may need it most.

Key takeaways

  • See Your NHS GP: Your journey usually starts here. PMI does not replace your GP. You visit them to discuss your symptoms as you normally would.
  • Get an 'Open Referral': If your GP feels you may need to see a specialist, they will write you a referral letter. For PMI purposes, it's best to ask for an 'open referral'. This means they refer you to a type of specialist (e.g., "an orthopaedic surgeon") rather than a specific named doctor. This gives your insurer the flexibility to recommend a specialist from their approved network.
  • Contact Your Insurer: Before you book any appointments, call your insurer's claims helpline. Have your policy number and referral letter handy. Explain the situation and what your GP has recommended.
  • Receive Claim Authorisation: The insurer will check that your policy covers the condition and the recommended treatment. If approved, they will give you a pre-authorisation number and a list of approved specialists and hospitals you can use.
  • Book Your Appointment & Treatment: You can now book your initial consultation with a specialist from the approved list. If they recommend a scan or procedure, you simply call your insurer again with the details to get it authorised.

As a broking firm that has helped arrange over 1,000,000 policies of various kinds, WeCovr and, where appropriate, broker partners provide expert, unbiased guidance on private medical insurance in the UK. This comprehensive guide explains exactly how it works, demystifying the process from choosing a policy to receiving fast, high-quality medical care when you may need it most.

How Does Private Medical Insurance Work

Private Medical Insurance (PMI), often called private health cover, is designed to work alongside the NHS, giving you more choice, control, and faster access to treatment for specific medical conditions. While the NHS provides an incredible service, particularly for emergencies and chronic care, waiting lists for routine procedures have become a significant concern for many.

According to the latest NHS England data, the referral to treatment (RTT) waiting list stands at over 7.5 million cases. For many, waiting months or even years for surgery or specialist consultations can impact their quality of life, ability to work, and overall wellbeing.

This is where PMI steps in. It's an insurance policy you pay for, typically through monthly or annual premiums, which covers the cost of private treatment for acute conditions that arise after your policy begins.

What is an 'Acute Condition'?

This is the single most important concept to understand.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a recovery. Examples include cataracts, joint replacements, hernias, and most cancers. PMI is designed to cover these.
  • Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, is incurable, has no known cure, or is likely to come back. Examples include diabetes, asthma, high blood pressure, and arthritis. Standard UK PMI does not cover the routine management of chronic conditions.

Think of PMI as a shortcut to diagnosis and treatment for new, curable health issues, allowing you to bypass NHS queues and get back on your feet sooner.

The Enrolment Journey: How to Choose and Buy a PMI Policy

Getting started with private health cover involves a few logical steps. Understanding this journey can help support you select a policy that genuinely fits your needs and budget.

Step 1: Assess Your Needs and Budget

Before looking at quotes, ask yourself a few key questions:

  • Who needs cover? Are you looking for a policy for just yourself, you and a partner, or your whole family?
  • What is your budget? Premiums can range from as little as £30 per month to over £150, depending on the level of cover, your age, and location. Be realistic about what you can comfortably afford long-term.
  • What level of cover is important to you? Is your main priority to cover major surgery (inpatient), or do you also want cover for initial consultations and diagnostic tests (outpatient)?

Step 2: Understand Underwriting Options

'Underwriting' is how insurers assess the risk of insuring you. It determines what will and won't be covered, particularly concerning your past medical history. There are two main types in the UK.

Underwriting TypeHow It WorksProsCons
Moratorium (Most Common)You don't declare your full medical history upfront. Instead, the insurer automatically excludes treatment for any condition you've had symptoms, treatment, or advice for in the 5 years before your policy starts.Simple and fast to set up. Pre-existing conditions may become eligible for cover after a 2-year continuous period on the policy, provided you've had no symptoms, treatment, or advice for it during that time.Claims can be slower as the insurer may need to check your medical history at the point of a claim to see if it was pre-existing. There can be uncertainty about what's covered initially.
Full Medical Underwriting (FMU)You complete a detailed health questionnaire, disclosing your entire medical history. The insurer then tells you upfront exactly what is excluded from your policy.Complete clarity from day one. You know precisely what is and isn't covered. The claims process is often faster as the underwriting is already done.The application process is longer and more intrusive. Exclusions are often permanent and won't be reviewed later.

A specialist at WeCovr or one of our broker partners can explain these options in detail and help you decide which is the suitable fit for your personal circumstances.

Step 3: Customise Your Policy

A modern private medical insurance UK policy is not a one-size-fits-all product. You start with a core foundation and add optional extras to build the plan you want.

Core Cover (Usually included as standard)

  • In-patient treatment: Covers costs when you are admitted to a hospital bed overnight, including surgery, nursing care, and accommodation.
  • Day-patient treatment: Covers procedures where you are admitted to hospital and discharged on the same day where available where available where available where available where available where available where available where available where available, like an endoscopy or minor surgery.
  • Cancer Cover: Most policies offer extensive cancer cover as a core component, including chemotherapy, radiotherapy, and surgery. The level of cover can vary, so it's vital to check the details.

Popular Optional Extras

  • Out-patient Cover: This is one of the most valuable add-ons. It covers diagnostic tests (like MRI and CT scans), specialist consultations, and other procedures that don't require a hospital bed. Without this, you would rely on the NHS for diagnosis and then use your PMI for treatment.
  • Therapies Cover: Pays for a set number of sessions with specialists like physiotherapists, osteopaths, and chiropractors.
  • Mental Health Cover: Provides cover for consultations with psychiatrists and psychologists, and treatment at specialist mental health facilities.
  • Dental & Optical Cover: Contributes towards routine check-ups, dental treatments, and the cost of glasses or contact lenses.

Step 4: Control Your Premium

Several levers allow you to adjust your monthly premium to fit your budget.

Cost-Control OptionWhat It IsImpact on Premium
ExcessThe amount you agree to pay towards a claim, either per claim or per policy year. A typical excess is £100, £250, or £500.A higher excess will lower your premium.
Hospital ListA tiered list of private hospitals where you can receive treatment. Options might include a local list, a national list, or a premium list including central London hospitals.Choosing a more restricted hospital list will lower your premium.
Six-Week OptionA popular choice where your PMI will only cover your treatment if the waiting time for that treatment on the NHS is longer than six weeks.Significantly lowers your premium, as you agree to use the NHS for quicker procedures.
No Claims Discount (NCD)Similar to car insurance, your premium is discounted for every year you don't make a claim, often up to a cap of 60-70%.Rewards you for not claiming, lowering your premium over time.

The Claims Process: A Step-by-Step Guide from GP to Treatment

So, you have your policy and you start to feel unwell. What happens next? The process is refreshingly straightforward.

  1. See Your NHS GP: Your journey usually starts here. PMI does not replace your GP. You visit them to discuss your symptoms as you normally would.
  2. Get an 'Open Referral': If your GP feels you may need to see a specialist, they will write you a referral letter. For PMI purposes, it's best to ask for an 'open referral'. This means they refer you to a type of specialist (e.g., "an orthopaedic surgeon") rather than a specific named doctor. This gives your insurer the flexibility to recommend a specialist from their approved network.
  3. Contact Your Insurer: Before you book any appointments, call your insurer's claims helpline. Have your policy number and referral letter handy. Explain the situation and what your GP has recommended.
  4. Receive Claim Authorisation: The insurer will check that your policy covers the condition and the recommended treatment. If approved, they will give you a pre-authorisation number and a list of approved specialists and hospitals you can use.
  5. Book Your Appointment & Treatment: You can now book your initial consultation with a specialist from the approved list. If they recommend a scan or procedure, you simply call your insurer again with the details to get it authorised.
  6. Receive Treatment: You attend your appointments, scans, and have your procedure in a private hospital. You'll often benefit from a private room, flexible visiting hours, and à la carte food menus.
  7. Bills are Settled Directly: The hospital and specialist will send their bills directly to your insurance company. You don't have to handle any invoices, apart from paying your agreed excess directly to the hospital if applicable.

Example Timeline: PMI vs. NHS

Let's imagine a scenario for a common procedure like a knee arthroscopy (keyhole surgery for a cartilage tear).

  • With PMI:

    • Week 1: Visit GP, get an open referral. Call insurer and get authorisation.
    • Week 2: See a private specialist consultant. MRI scan in the same week.
    • Week 4: Undergo keyhole surgery in a private hospital.
    • Week 5 onwards: Begin post-op physiotherapy.
    • Total Time from GP to Treatment: Approx. 3-4 weeks.

  • With the NHS (based on median waiting times):

    • Week 1: Visit GP.
    • Weeks 2-18: Wait for a routine referral to an NHS specialist.
    • Weeks 19-24: Wait for an MRI scan.
    • Weeks 25-45+: Wait for the surgery itself. The NHS target is 18 weeks from referral to treatment, but the median wait for orthopaedics can be significantly longer in many trusts.
    • Total Time from GP to Treatment: Approx. 6-12+ months.

This demonstrates the core value of PMI: speed of access.

What's Not Covered? Understanding Typical PMI Exclusions

No insurance policy covers everything, and PMI is no different. Being aware of the standard exclusions is crucial to avoid surprises.

You are generally NOT covered for:

  • Pre-existing Conditions: Any medical condition you had symptoms, advice, or treatment for before your policy start date (subject to your underwriting terms).
  • Chronic Conditions: Long-term illnesses that require ongoing management, such as diabetes, asthma, Crohn's disease, and high blood pressure. Your NHS GP and specialist will continue to manage these.
  • Emergencies: If you have a heart attack, stroke, or are in a serious accident, you should go to A&E. The NHS is the best place for emergency care.
  • Normal Pregnancy & Childbirth: Routine maternity care is not covered, though some policies may cover complications.
  • Cosmetic Surgery: Procedures done for purely aesthetic reasons are excluded. However, reconstructive surgery following an accident or eligible cancer treatment may be covered.
  • Self-Inflicted Injuries: Including those related to substance abuse or dangerous sports not declared to your insurer.
  • Infertility Treatment: IVF and other fertility procedures are typically excluded.
  • Experimental or Unproven Treatments: Insurers only cover treatments that are evidence-based and widely recognised in the UK.

Beyond Treatment: Added Value and Wellness Benefits

The private medical insurance providers to compare today offer more than just treatment. They actively help you stay healthy.

  • Digital GP Services: Most policies now include 24/7 access to a private GP via phone or video call. This is incredibly convenient for getting quick advice, prescriptions, or referrals with potentially shorter waits for an NHS GP appointment.
  • Mental Health Support: Many insurers provide access to telephone counselling or support lines as a standard benefit, helping you manage stress, anxiety, or other mental health concerns early on.
  • Wellness Programmes: Some providers, like Vitality, have built their entire model around rewarding healthy behaviour. By tracking your activity, eating well, and having health checks, you can earn points to potentially potentially potentially potentially potentially potentially potentially potentially potentially reduce your premium and get discounts on things like gym memberships, smartwatches, and healthy food.
  • WeCovr's Exclusive Benefits: When you arrange your policy through a specialist at WeCovr or one of our broker partners, you get more. We provide our PMI and Life Insurance clients with complimentary access to our AI-powered nutrition app, CalorieHero, to help you manage your diet and health goals. Furthermore, our clients often receive discounts on other insurance products, such as life or income protection cover, creating a holistic and cost-effective approach to your personal protection.

Why Use a Specialist PMI Broker?

The UK private health insurance market is complex, with dozens of providers and hundreds of policy combinations. Trying to navigate this alone can be overwhelming. A WeCovr specialist or one of our broker partners acts as your expert guide.

  • regulated Advice: We are not tied to any single insurer. Our loyalty is to you, our client. We provide regulated advice focused on finding the right cover for your specific needs.
  • Market Comparison: We compare policies from across our panel, including well-known providers like Aviva, AXA Health, Bupa, and Vitality, saving you hours of research.
  • subject to terms where applicable: Our service has no separate broker fee. We are paid a commission by the insurer you choose, which is already built into the premium, so you don't pay a penny more than going direct.
  • Expertise on Hand: We demystify the jargon, explain the small print, and help you with the application process. We are also there to offer support if you ever need to make a claim. Our high customer satisfaction ratings reflect our commitment to clear, helpful, and professional service.

Private medical insurance is a powerful tool for taking control of your health. By understanding how it works, you can make an informed decision and invest in peace of mind for you and your family.


Can I get private health insurance for a condition I already have?

Generally, no. Standard UK private medical insurance is designed to cover new, acute medical conditions that arise after your policy begins. Conditions you had before you took out the policy are known as 'pre-existing' and are typically excluded from cover. However, with Moratorium underwriting, a pre-existing condition may become eligible for cover after you have been on the policy for two years without any symptoms, treatment, or advice for that condition.

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

Absolutely, yes. Private medical insurance (PMI) is a complement to the NHS, not a replacement for it. You will still rely on the NHS for emergency services (A&E), management of long-term chronic conditions, and in most cases, your initial GP consultations. you should consider whether you may need to also continue to pay your National Insurance contributions. PMI simply provides an alternative route for eligible, non-emergency treatment.

How much does private medical insurance cost in the UK?

The cost of private medical insurance varies significantly based on several factors: your age, location, smoking status, the level of cover you choose (e.g., adding out-patient or dental), your excess, and your chosen hospital list. A basic policy for a young, healthy individual might start from £30-£40 per month, while a comprehensive policy for an older person or a family could be £150 per month or more. one way to find out the cost for you is to get a personalised quote from a WeCovr specialist or one of our broker partners, who can compare the market to find the good value.

Ready to take control of your health and explore your options?

Get your free, no-obligation quote from WeCovr today. Our expert advisors will compare the UK insurer panel to find an appropriate level of cover for your needs and budget.

Sources

  • NHS England: Waiting times and referral-to-treatment statistics.
  • Office for National Statistics (ONS): Health, mortality, and workforce data.
  • NICE: Clinical guidance and technology appraisals.
  • Care Quality Commission (CQC): Provider quality and inspection reports.
  • UK Health Security Agency (UKHSA): Public health surveillance reports.
  • Association of British Insurers (ABI): Health and protection market publications.

Important Information and Risks

No advice: This article is for general information only. It is not financial, legal, insurance, or tax advice, and it is not a personal recommendation. WeCovr does not assess your individual circumstances or recommend a specific product through this article.

Policy exclusions and underwriting: Insurance policies, including life insurance, private medical insurance, critical illness cover, and income protection, are subject to insurer underwriting, eligibility, acceptance criteria, terms, conditions, limits, and exclusions. Pre-existing medical conditions may be excluded, restricted, or accepted on special terms unless an insurer confirms otherwise in writing.

Tax treatment: References to tax treatment, HMRC rules, or business reliefs are based on current UK legislation and guidance, which can change. Tax treatment depends on your personal or business circumstances and may differ from examples in this article.

Before you buy: Always read the Insurance Product Information Document (IPID), policy summary, and full policy terms before buying, renewing, changing, or keeping cover. If you are unsure whether a policy is suitable for you, speak to an insurance adviser.

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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 a strong fit for your needs 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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