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How PMI Premiums Are Paid UK

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 10, 2026
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TL;DR

As experienced insurance specialists who have helped arrange over 900,000 policies, we at WeCovr know that understanding your payment options is a crucial first step. This definitive guide to paying for private medical insurance in the UK will explain your choices, helping you budget effectively for first-class healthcare. Direct debit, annual lump sum, and payroll deduction explained When you take out a private medical insurance (PMI) policy in the UK, you're buying peace of mind—the assurance of prompt access to high-quality medical care when you need it most.

Key takeaways

  • Monthly Direct Debit: Spreading the cost over 12 equal payments. This is the most common method.
  • Annual Lump Sum: Paying the entire year's premium in one go, often at a discount.
  • Payroll Deduction: For those with a company health insurance scheme, where the premium is taken directly from your salary.
  • Age: The single biggest factor. As we get older, the statistical likelihood of needing medical treatment increases, so premiums rise accordingly.
  • Location: Your postcode matters. Medical costs, particularly for private hospitals in central London, are significantly higher than in other parts of the UK. Living in an expensive area for healthcare will mean a higher premium.

As experienced insurance specialists who have helped arrange over 900,000 policies, we at WeCovr know that understanding your payment options is a crucial first step. This definitive guide to paying for private medical insurance in the UK will explain your choices, helping you budget effectively for first-class healthcare.

Direct debit, annual lump sum, and payroll deduction explained

When you take out a private medical insurance (PMI) policy in the UK, you're buying peace of mind—the assurance of prompt access to high-quality medical care when you need it most. But how do you actually pay for this peace of mind?

The good news is that UK insurers offer flexible payment methods to suit different financial situations. The three primary ways to pay your PMI premiums are:

  1. Monthly Direct Debit: Spreading the cost over 12 equal payments. This is the most common method.
  2. Annual Lump Sum: Paying the entire year's premium in one go, often at a discount.
  3. Payroll Deduction: For those with a company health insurance scheme, where the premium is taken directly from your salary.

In this guide, we'll break down each option in detail, exploring the pros, cons, and practical steps involved, so you can choose the method that works best for you.

Understanding Your PMI Premium: What Are You Paying For?

Before we dive into how you pay, let's clarify what you're paying for. A 'premium' is the regular payment you make to an insurer to keep your health insurance policy active. This payment pools your money with that of other policyholders, allowing the insurer to pay for the medical claims that arise within the group.

It's vital to remember a fundamental rule of UK health insurance: standard policies are designed to cover acute conditions that arise after you join. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.

PMI does not cover chronic conditions (long-term illnesses like diabetes or asthma) or pre-existing conditions you had before taking out the policy.

Key Factors That Determine Your Premium Cost

Your premium isn't a one-size-fits-all figure. Insurers calculate it based on a range of risk factors. Understanding these can help you see where your money goes and how you might be able to adjust your premium.

  • Age: The single biggest factor. As we get older, the statistical likelihood of needing medical treatment increases, so premiums rise accordingly.
  • Location: Your postcode matters. Medical costs, particularly for private hospitals in central London, are significantly higher than in other parts of the UK. Living in an expensive area for healthcare will mean a higher premium.
  • Level of Cover: Policies are highly customisable.
    • Basic: Covers inpatient treatment (when you need a hospital bed overnight).
    • Mid-range: Adds outpatient cover (consultations, diagnostics like MRI scans).
    • Comprehensive: Includes therapies (physio, osteopathy), mental health support, and sometimes dental and optical benefits.
  • 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 leads to a lower premium.
  • Hospital List: Insurers have tiered lists of hospitals. A policy with access to a nationwide network including premium London hospitals will cost more than one with a more restricted local list.
  • Lifestyle: Smokers will always pay more than non-smokers, as smoking is linked to a wide range of health risks.

Example: How Different Choices Impact a Premium

Let's look at a hypothetical 40-year-old non-smoker living outside London.

Policy FeatureOption A (Lower Cost)Option B (Higher Cost)Impact on Premium
Excess£500£100A higher excess reduces the premium.
Outpatient CoverCapped at £500Full CoverLimiting outpatient benefits lowers the cost.
Hospital ListLocal networkNationwide, including LondonA restricted list is more affordable.
Estimated Monthly Premium£45£85Small choices can make a big difference.

Note: These are illustrative figures only. For a precise quote based on your circumstances, it's best to speak with a PMI broker like WeCovr.

For the vast majority of UK policyholders, paying for private health cover via a monthly Direct Debit is the default option. It's simple, convenient, and excellent for household budgeting.

What is a Direct Debit?

A Direct Debit is an instruction from you to your bank that authorises an organisation—in this case, your health insurer—to collect payments from your account. The amount and date are pre-agreed, ensuring your policy remains active without you having to manually make a payment each month.

The Advantages of Paying Monthly

  1. Budget-Friendly (illustrative): The primary appeal is spreading the cost. An annual premium of £900 can feel daunting, but a monthly payment of £75 is far more manageable for most households to factor into their regular outgoings.
  2. Ultimate Convenience: Once set up, the process is entirely automated. You don't need to remember payment dates or log in to a portal. It's a "set and forget" system.
  3. Simplicity and Familiarity: Most people in the UK are already accustomed to paying for utilities, council tax, and mobile phone contracts via Direct Debit, making it a familiar and trusted process.

How to Set Up a Direct Debit for Your PMI

Setting up your payment is a standard part of the application process.

  1. Provide Your Details: When you apply for your policy, you'll be asked for the name on your bank account, your sort code, and your account number.
  2. Authorise the Mandate: You will need to agree to the Direct Debit mandate. This is usually done by ticking a box online or signing a digital form. This gives the insurer permission to collect the premiums.
  3. Receive Confirmation: Your insurer will send you written confirmation of the mandate, including the monthly amount, the date of the first payment, and the regular collection date (e.g., the 1st or 15th of each month).

A small catch: The cost of credit

It's important to be aware that some, though not all, insurers add a small charge for the convenience of paying monthly. This is essentially a form of credit charge for spreading the annual cost over 12 instalments. This charge is typically between 5% and 10%.

Example:

  • Illustrative estimate: Annual Premium: £1,200
  • Illustrative estimate: If paid in a lump sum, the cost is £1,200.
  • Illustrative estimate: If paid monthly with a 6% credit charge, the total cost becomes £1,272.
  • Illustrative estimate: This would result in a monthly Direct Debit of £106.

An expert PMI broker can instantly show you which insurers apply these charges and which do not, helping you find the best value.

Paying Annually with a Lump Sum: The Cost-Effective Option

If your financial situation allows, paying your entire premium for the year in a single transaction can be the most financially savvy choice. It's straightforward and almost always cheaper.

The Main Advantage: Saving Money

Insurers favour annual payments for two key reasons:

  • Reduced Admin: It's less administrative work for them than processing 12 separate payments.
  • Guaranteed Premium: They receive the full year's premium upfront, eliminating the risk of missed monthly payments.

To encourage this, most insurers offer a discount for paying annually. This discount is effectively the opposite of the monthly credit charge. By paying upfront, you avoid the instalment fee, resulting in a saving that can be quite noticeable.

Typical Savings: You can generally expect to save between 5% and 10% on your total premium by choosing to pay annually. On a £1,500 policy, that’s a saving of £75 to £150 per year – money that's better off in your pocket. (illustrative estimate)

How to Pay Annually

When you choose the annual payment option at the start of your policy or at renewal, you'll typically be able to pay via:

  • Debit Card: The most common method, done online or over the phone.
  • Bank Transfer (BACS/Faster Payments): You transfer the money directly from your bank account to the insurer's.
  • Credit Card: Some insurers accept credit cards for annual payments, but not all. It's worth checking, as this could allow you to spread the cost via your credit card's own terms.

Direct Debit vs. Annual Lump Sum: A Head-to-Head Comparison

FeatureMonthly Direct DebitAnnual Lump Sum
Total Annual CostUsually slightly higher due to an instalment charge.The most cost-effective option, often with a discount.
BudgetingExcellent. Spreads the cost into manageable chunks.Requires a large single payment, which needs planning.
Convenience"Set and forget." Fully automated after setup.One single action per year. Simple and final.
Initial OutlayLow. Only one month's premium is due upfront.High. The full year's premium is due at once.
Best ForAnyone wanting to manage their monthly cash flow carefully.Those with available funds who want to maximise savings.

At WeCovr, we can instantly show you the price difference between monthly and annual payments across all major UK insurers, allowing you to make a quick, informed financial decision at no extra cost to you.

Payroll Deduction: The Corporate Health Insurance Method

This payment method is exclusively for people who are part of a company or group private medical insurance scheme. If your employer offers PMI as a benefit, this is likely how it will be handled.

What is Payroll Deduction?

Payroll deduction is a system where your employer pays the health insurance premium on your behalf and then deducts the cost from your monthly salary. This deduction is typically made from your gross salary, before income tax and National Insurance are calculated.

How Does It Work?

  1. The Group Scheme: Your employer negotiates a group policy with a PMI provider. Because they are buying for a group of employees, they can often secure much lower premiums than an individual could.
  2. Opting In: As an employee, you are given the option to join the scheme. You might be asked to contribute the full cost, or your employer may subsidise it, or even pay for it entirely.
  3. The Deduction: Once you've opted in, the company's payroll department automatically deducts the premium from your salary each month. You'll see this listed on your payslip.

Key Benefits for Employees

  • Significant Cost Savings: Group schemes are almost always cheaper than equivalent individual policies. The insurer's risk is spread across a larger, more diverse group of people.
  • Effortless Administration: There are no bank details to share or payments to manage. Your employer handles everything.
  • Enhanced Cover: Companies often negotiate for more comprehensive benefits than you might choose on an individual policy, sometimes including things like travel cover or dental care.

Understanding the Tax Implications: Benefit in Kind (BIK)

This is a crucial point to understand. If your employer pays for your private medical insurance, HM Revenue and Customs (HMRC) considers this a "Benefit in Kind" – a non-cash benefit that forms part of your total remuneration.

  • You will have to pay income tax on the value of this benefit.
  • The value of the premium is added to your income for tax purposes.
  • For example, if your employer pays a £600 annual premium for you, and you are a basic rate (20%) taxpayer, you will pay an extra £120 in tax over the year (£10 per month). If you're a higher rate (40%) taxpayer, it would be £240 per year.
  • Your employer will report this to HMRC using a P11D form, and your tax code will be adjusted accordingly.

What Happens if I Leave My Job?

Losing a job doesn't have to mean losing your health cover. Most group schemes have a 'continuation option'. This allows you to switch your group cover to an individual policy with the same insurer without needing new medical underwriting. This is a huge advantage, as it means any conditions that developed while you were on the company scheme will continue to be covered.

How WeCovr Simplifies Your PMI Payment Choices

Navigating the world of PMI, with its different providers, cover levels, and payment options, can feel complex. That's where an independent, expert broker like WeCovr comes in. Our service is free to you, and we are dedicated to finding you the best policy for your needs and budget.

  • Clear Comparisons: We lay out the costs from leading UK insurers like Bupa, AXA Health, Aviva, and Vitality, clearly showing you the difference between paying monthly and annually.
  • Expert Guidance: Not sure if you should choose a higher excess to lower your premium? We can model the options for you, explaining the long-term implications.
  • Business and Group Schemes: We specialise in helping businesses of all sizes set up and manage group health insurance, explaining the payroll and tax implications in plain English.
  • Value-Added Benefits: When you arrange your policy through us, you get more than just insurance. You'll receive complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to support your health goals. Plus, clients who purchase PMI or Life Insurance often receive exclusive discounts on other types of cover.

Our high customer satisfaction ratings are a testament to our commitment to providing clear, impartial, and helpful advice.

Making Changes to Your Payment Method or Details

Life changes, and your policy administration may need to change with it. Here’s how to handle common scenarios.

What if a Direct Debit Payment Fails?

It happens. A payment might fail due to insufficient funds or a change in bank details you forgot to communicate.

  1. Don't Panic: Insurers have a standard process.
  2. Re-presentation: They will usually attempt to collect the payment again a few days later.
  3. Communication: If the second attempt fails, their finance team will contact you by phone, email, or letter.
  4. Resolution: You can usually make a one-off card payment to clear the arrears and ensure the next Direct Debit runs smoothly.

Important: Do not ignore these communications. If premiums remain unpaid, your insurer will have no choice but to cancel your policy, leaving you without cover.

Changing Your Bank Details

If you switch bank accounts, you must inform your insurer immediately. Most providers now have online customer portals where you can update your Direct Debit details securely in minutes. Alternatively, a quick phone call is all it takes.

Switching Between Monthly and Annual Payments

You can typically only switch your payment frequency at your annual renewal. When you receive your renewal documents (usually 3-4 weeks before the end date), simply contact your insurer or your broker and request to change from monthly to annual, or vice versa.

The Bigger Picture: Health, Wellness, and Managing Costs

Your PMI premium isn't just a bill; it's an investment in your health. And the best way to manage the long-term cost of that investment is to invest in your personal wellbeing.

Insurers are increasingly moving from being passive payers of claims to active partners in their members' health. Many offer rewards and incentives for healthy living. This can include:

  • No-Claims Discounts: Just like with car insurance, if you don't make a claim, your premium may be discounted at renewal.
  • Wellness Programmes: Providers like Vitality are famous for this, offering points and rewards like free coffee, cinema tickets, and Apple Watch discounts for tracking your activity, getting health checks, and eating well.
  • Digital Health Tools: Most major insurers now provide access to digital GP services, mental health support apps, and online wellness resources.

By engaging with these programmes and adopting a healthier lifestyle, you not only reduce your likelihood of needing to claim but can also directly lower your future premiums.

Simple Steps for a Healthier Life (and Potentially Lower Premiums)

  • Stay Active: The NHS recommends at least 150 minutes of moderate-intensity activity (like brisk walking or cycling) or 75 minutes of vigorous-intensity activity (like running or tennis) a week.
  • Eat a Balanced Diet: Aim for at least five portions of a variety of fruit and vegetables every day. Reducing processed foods, sugar, and saturated fats can have a huge impact on your long-term health. Our CalorieHero app, free to WeCovr clients, can make tracking your nutrition simple.
  • Prioritise Sleep: Most adults need 7-9 hours of good-quality sleep per night. It's crucial for both physical and mental recovery.
  • Manage Stress: Chronic stress can contribute to numerous health problems. Make time for hobbies, practice mindfulness or meditation, and stay connected with friends and family.

Frequently Asked Questions (FAQs)

Can I pay for my UK private medical insurance with a credit card?

It depends on the insurer and the payment frequency. For annual lump sum payments, many insurers will accept a credit card. However, for regular monthly premiums, most UK insurers insist on a Direct Debit from a UK bank account. This is because Direct Debit is more reliable and has lower processing costs for them compared to recurring credit card payments.

Is the price I'm quoted for PMI fixed forever?

No, your premium is reviewed every year at your policy renewal. It will almost always increase for two main reasons: your age (as you move into a higher age bracket, the risk increases) and medical inflation (the rising cost of medical treatments, new drugs, and advanced technology). Your premium could also be affected by any claims you've made during the year, which might reduce your no-claims discount.

What happens if I can't afford my PMI premiums anymore?

If you're finding it difficult to afford your premiums, the worst thing you can do is simply cancel your Direct Debit. This will cause your policy to lapse, and you'll lose your cover. Instead, you should speak to your insurer or your broker immediately. There are often ways to reduce your premium, such as increasing your excess, opting for a six-week wait option (where you use the NHS if they can treat you within six weeks), or removing optional extras like dental or travel cover.

Does private medical insurance in the UK cover pre-existing conditions?

No, a core principle of standard UK private medical insurance is that it does not cover pre-existing or chronic conditions. A pre-existing condition is any illness or injury you had symptoms of, received advice for, or had treatment for before your policy started. PMI is designed to cover new, acute conditions that arise after you join. This is why it's so important to get cover when you are healthy and maintain it continuously.

Choosing how to pay for your private medical insurance is an important financial decision. Whether you prefer the manageable monthly costs of a Direct Debit, the savings of an annual payment, or the convenience of a company scheme, there's an option to suit you.

Ready to explore your options? Get a free, no-obligation quote from WeCovr today. Our expert team will compare the market for you, explain your payment choices in detail, and help you find the perfect cover for your peace of mind.

Sources

  • Department for Transport (DfT): Road safety and transport statistics.
  • DVLA / DVSA: UK vehicle and driving regulatory guidance.
  • Association of British Insurers (ABI): Motor insurance market and claims publications.
  • Financial Conduct Authority (FCA): Insurance conduct and consumer information guidance.
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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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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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