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How PMI Works for Brits Retiring Abroad

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

As an FCA-authorised broker that has arranged over 900,000 policies, WeCovr helps thousands of people navigate the world of private medical insurance. For Brits planning a dream retirement abroad, understanding your healthcare options is crucial. This guide explains how to secure peace of mind with the right health cover in the UK and beyond.

Key takeaways

  • Access to state healthcare: You will be treated on the same basis as a local resident in that country. If healthcare is free for them, it's free for you. If they pay a contribution (a co-payment), you will too.
  • Continued UK access: An S1 form also allows you to return to the UK for some NHS treatment. You can use your UK-issued European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) when you visit other EU countries on holiday.
  • No access to private care: It only covers the state system, which in many countries can have long waiting lists for specialist appointments and surgery, just like the NHS.
  • Variable quality: The standard of state healthcare can vary significantly from region to region.
  • Co-payments: Many European healthcare systems require patients to pay a portion of their treatment costs, which can add up.

As an FCA-authorised broker that has arranged over 900,000 policies, WeCovr helps thousands of people navigate the world of private medical insurance. For Brits planning a dream retirement abroad, understanding your healthcare options is crucial. This guide explains how to secure peace of mind with the right health cover in the UK and beyond.

WeCovr explains PMI for expats in retirement

Swapping grey skies for sunny shores is a retirement dream for millions of Britons. Whether you're picturing a villa in the Algarve, a finca in Andalusia, or a quiet life in rural France, the practicalities of life abroad need careful planning. Chief among them is healthcare.

Many assume their UK health provisions will somehow travel with them, but the reality is quite different. Once you are no longer 'ordinarily resident' in the UK, your access to the NHS is largely cut off. This is where private medical insurance (PMI) becomes not just a luxury, but an essential part of your retirement toolkit.

However, the private health cover that served you well in the UK is not the right tool for the job abroad. You need a specific type of policy designed for an international lifestyle. In this guide, we'll break down everything you need to know, from how state healthcare works for expats to choosing the perfect international health plan for your new life.

Understanding the Healthcare Landscape for UK Expats

Before diving into private insurance, it's vital to understand what, if any, state-provided healthcare you're entitled to as a British retiree living abroad. The answer depends entirely on where you choose to live.

The NHS Stops at the UK Border

This is the most critical fact to understand. The National Health Service (NHS) is a residency-based system. It is funded by UK taxpayers to provide care for people who live in the UK.

Once you move abroad and are no longer considered ordinarily resident, you lose your entitlement to free, routine NHS treatment. You may be able to receive emergency treatment if you visit the UK, but you could be charged for any subsequent hospital admission. You cannot simply fly back to the UK to have a planned operation on the NHS.

What About the S1 Form in Europe?

For those retiring to an EU country, Iceland, Liechtenstein, Norway, or Switzerland, there is a valuable arrangement called the S1 form.

If you receive a UK State Pension, you can apply for an S1 form from the NHS Business Services Authority. This form registers you with the state healthcare system in your new country of residence.

What the S1 form gives you:

  • Access to state healthcare: You will be treated on the same basis as a local resident in that country. If healthcare is free for them, it's free for you. If they pay a contribution (a co-payment), you will too.
  • Continued UK access: An S1 form also allows you to return to the UK for some NHS treatment. You can use your UK-issued European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) when you visit other EU countries on holiday.

The Limitations of the S1 Form:

While the S1 is an excellent benefit, it is not a complete solution.

  • No access to private care: It only covers the state system, which in many countries can have long waiting lists for specialist appointments and surgery, just like the NHS.
  • Variable quality: The standard of state healthcare can vary significantly from region to region.
  • Co-payments: Many European healthcare systems require patients to pay a portion of their treatment costs, which can add up.

The S1 form provides a safety net, but it doesn't offer the choice, speed, or comfort that private medical insurance provides.

Reciprocal Healthcare Agreements Outside the EU

The UK holds Reciprocal Healthcare Agreements with a small number of non-EU countries, such as Australia and New Zealand.

However, these agreements are far more limited than the S1 arrangement. They typically only cover immediately necessary medical treatment that arises during a visit. They are not designed for long-term residents and will not cover:

  • Routine monitoring of long-term conditions.
  • Planned surgery or treatment.
  • The full cost of treatment in all cases.

For popular retirement destinations like Thailand, Canada, the USA, or Turkey, there is no state healthcare provision for British expats. You are entirely responsible for the cost of your own medical care.

What is International Private Medical Insurance (IPMI)?

This is where the distinction becomes vital. The policy you had in London is not the policy you need in Lisbon.

The Key Difference: UK PMI vs. International PMI

A standard UK Private Medical Insurance policy is designed to provide access to private healthcare within the United Kingdom. Its network of hospitals is in the UK, and its terms are based on the UK healthcare system. It will cease to cover you once you move abroad permanently.

International Private Medical Insurance (IPMI), sometimes called international health insurance, is a specialist product designed for people living and working outside their home country. It gives you access to private healthcare facilities across the globe.

Here is a simple breakdown of the differences:

FeatureStandard UK PMIInternational PMI (IPMI)
Geographical AreaUnited Kingdom onlyA defined region (e.g., Europe) or Worldwide
Designed ForUK residentsExpatriates, global nomads, and retirees abroad
NetworkUK-based private hospitals and clinicsGlobal network of hospitals and specialists
Key BenefitsFast access to UK specialists, private roomsGlobal coverage, medical evacuation, 24/7 multilingual support
CurrencyPremiums and claims paid in Pounds Sterling (£)Premiums and claims can be in multiple currencies (£, €, $)
PortabilityPolicy ends when you move abroadPolicy moves with you as you relocate (within your area of cover)

Essentially, you cannot 'extend' your UK PMI for life abroad. You need to cancel it and take out a new, dedicated IPMI policy.

Core Benefits of International Health Cover

A good IPMI policy provides comprehensive protection and peace of mind. Key features typically include:

  • Choice and Access: You can choose your doctor, specialist, and hospital from a wide network of high-quality private facilities.
  • Reduced Waiting Times: Bypass long public queues for consultations, diagnostics, and surgery.
  • Direct Payment: The insurer often pays the hospital directly, so you aren't left with a huge bill to pay out-of-pocket (known as a 'cashless' service).
  • 24/7 Support: Access to a multilingual emergency helpline, wherever you are in the world.
  • Medical Evacuation: This is a crucial benefit. If the necessary treatment is not available locally, your policy can cover the cost of transporting you to the nearest centre of medical excellence.
  • Repatriation: Covers the cost of returning you to the UK (or another country of choice) for treatment if desired and medically appropriate.

Critical Information: Pre-existing and Chronic Conditions

This is one of the most important and often misunderstood aspects of private medical insurance.

Crucial Point: Standard private medical insurance, whether for the UK or international, is designed to cover acute conditions that arise after you have taken out the policy. It does not typically cover pre-existing conditions or chronic conditions.

Let's define these terms:

  • Acute Condition: A disease, illness, or injury that is new, unexpected, and likely to respond quickly to treatment, leading to a full recovery. Examples include a broken bone, appendicitis, or a cataract.
  • Chronic Condition: A condition that is long-lasting and requires ongoing monitoring and management. It cannot be 'cured' in the traditional sense. Examples include diabetes, arthritis, hypertension (high blood pressure), asthma, and heart disease.
  • Pre-existing Condition: Any illness, disease, or injury for which you have already experienced symptoms, received medication, or sought advice before the start date of your new policy.

Why are they excluded? Insurance works on the principle of covering unforeseen events. Covering pre-existing or chronic conditions would be like insuring a house that is already on fire. The costs would be immediate and predictable, making premiums unaffordably high for everyone.

When you apply for IPMI, you will go through a process called underwriting. There are two main types:

  1. Moratorium Underwriting: You don't declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms of or treatment for in the last 5 years. If you then go for a set period (usually 2 years) without any symptoms, advice, or treatment for that condition, it may become eligible for cover.
  2. Full Medical Underwriting (FMU): You complete a detailed health questionnaire, declaring all your past conditions. The insurer's medical team assesses your application and will explicitly list any conditions that are excluded from cover from day one. This provides certainty but means those conditions will never be covered.

For retirees, who are more likely to have developed some long-term conditions, this is a vital consideration. You must be completely honest on your application. Hiding a condition can lead to your policy being cancelled and claims being denied.

How to Choose the Right International PMI Policy for Your Retirement

With so many providers and options, choosing the right plan can feel overwhelming. A specialist broker like WeCovr can compare the market for you at no cost. Here are the key factors to consider.

1. Defining Your "Area of Cover"

Insurers don't just offer one "global" policy. They split the world into different geographical areas to manage costs. Common options include:

  • Europe: Covers you within all European countries.
  • Worldwide excluding USA: Covers you everywhere in the world except for the United States.
  • Worldwide: The most comprehensive and expensive option, including the USA.

Why is the USA so expensive? The cost of healthcare in the USA is the highest in the world. A simple doctor's visit can cost hundreds of dollars, and a hospital stay can run into the tens or hundreds of thousands. Including the USA in your cover can often double your premium.

Our Advice: Choose an area of cover that includes your new country of residence, any countries you plan to travel to frequently, and—importantly—the UK. Many expats value the option of being able to return to the UK for private treatment to be closer to family.

2. Understanding Your Policy Options and Add-ons

IPMI policies are modular. You start with a core plan and can add optional benefits to tailor it to your needs and budget.

Level of CoverWhat It Typically IncludesIs It Essential for a Retiree?
Core / In-patientHospital stays, surgery costs, anaesthetist fees, cancer treatment, diagnostic scans (like MRI/CT) related to a hospital stay.Essential. This is the non-negotiable foundation of any good policy, covering the most expensive medical events.
Out-patientGP visits, specialist consultations, diagnostic tests not requiring a hospital stay, prescription drugs.Highly Recommended. Without this, you would have to pay for every doctor's visit and pre-hospital test yourself.
Dental & OpticalRoutine check-ups, fillings, crowns, new glasses and contact lenses.Optional. Can be good value if you anticipate needing regular dental work, but you can manage these costs 'pay-as-you-go'.
Wellness & WellbeingRoutine health screenings, vaccinations, and sometimes complementary therapies like physiotherapy or osteopathy.Optional but valuable. Proactive health checks can catch issues early. It's a great 'nice to have'.
Evacuation & RepatriationMedical transport to the nearest suitable hospital or back to the UK.Essential. Especially if you are retiring to a more remote area or a country with less advanced healthcare facilities.

3. Managing Your Costs: Excess and Co-insurance

To make your premium more affordable, you can agree to share some of the cost of your care.

  • Excess (or Deductible): This is a fixed amount you agree to pay towards a claim each year. For example, if you have a £500 excess and your hospital bill is £10,000, you pay the first £500 and the insurer pays the remaining £9,500. Choosing a higher excess will significantly lower your annual premium.
  • Co-insurance: This is where you agree to pay a percentage of the cost of every claim, for example, 10% or 20%, up to a certain annual limit. This also reduces your premium.

Finding the right balance between a manageable premium and an affordable excess is key.

Real-Life Scenarios: How IPMI Works in Practice

Let's look at how this works for two fictional retirees.

Scenario 1: Arthur, 68, Retires to the Algarve, Portugal Arthur has his S1 form, giving him access to the Portuguese National Health Service. He also takes out an IPMI policy with WeCovr, choosing 'Europe' as his area of cover and including an out-patient module.

Six months into his retirement, he develops severe hip pain. His Portuguese GP refers him to a specialist through the state system, but the waiting list for an appointment is 9 months, and the wait for surgery could be another 18 months.

Using his IPMI, Arthur:

  1. Calls his insurer's 24/7 helpline.
  2. They provide a list of approved private orthopaedic surgeons near him.
  3. He sees a top surgeon within a week. An MRI scan confirms he needs a hip replacement.
  4. The insurer pre-authorises the surgery, which is scheduled for the following month at a modern private hospital. The insurer pays the hospital directly.
  5. His policy also covers a course of private physiotherapy to get him back on the golf course quickly.

Scenario 2: Brenda, 65, Retires to Chiang Mai, Thailand Thailand has no state healthcare for British expats. Brenda knows she needs comprehensive cover. She takes out a 'Worldwide excluding USA' IPMI policy, which includes medical evacuation.

While exploring a market, she slips on a wet floor and fractures her ankle badly.

Using her IPMI, Brenda:

  1. Is taken by private ambulance to a top international hospital in Chiang Mai.
  2. Her IPMI provider is contacted and guarantees payment for her emergency surgery.
  3. She has the operation and recovers in a private room.
  4. If her injury had been more complex (e.g., a serious spinal injury) and the local hospital wasn't equipped to handle it, her policy's medical evacuation benefit would have covered the cost of flying her to a specialist centre in Bangkok or Singapore.

Wellness and Health Tips for a Happy Retirement Abroad

Your health insurance is a safety net, but the best strategy is to stay as healthy as possible. Retiring abroad is a fantastic opportunity to build healthy habits.

  • Embrace the Local Diet: Many popular retirement spots, particularly in the Mediterranean, boast incredibly healthy diets rich in fresh fish, olive oil, fruit, and vegetables. Explore local markets and learn to cook with fresh, seasonal ingredients.
  • Stay Active: Your new location offers new ways to move. Whether it's swimming in the sea, walking in the hills, joining a local bowls club, or taking up tai chi in the park, find an activity you love and stick with it.
  • Prioritise Sleep: A change in climate and lifestyle can disrupt sleep patterns. Establish a relaxing bedtime routine and ensure your bedroom is cool, dark, and quiet to promote restorative sleep.
  • Build Your Social Network: Loneliness and social isolation are significant health risks. Make an effort to connect with other expats and locals. Join clubs, take language classes, or volunteer. A strong social life is a powerful tonic for mental and physical wellbeing.

To help you on your wellness journey, WeCovr provides all our health and life insurance clients with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It's a simple way to stay mindful of your diet as you explore the new culinary world around you.

Why Use a Specialist Broker Like WeCovr?

The international private medical insurance market is complex, with dozens of providers all offering slightly different products. Trying to compare them yourself is time-consuming and confusing.

A specialist broker works for you, not the insurance company.

  1. Expert Advice: We live and breathe this market. We understand the nuances of different policies and which ones are best suited for retirees in specific countries.
  2. Market Comparison: We use our expertise and technology to compare policies from a wide range of leading international insurers, finding the perfect balance of cover and cost for your unique circumstances.
  3. No Cost to You: Our service is completely free. We receive a commission from the insurer you choose, which is already built into the premium. You pay the same price as going direct, but with the added benefit of our expert, impartial advice.
  4. Your Advocate: We help you with the application process and are here to offer support if you ever need to make a claim. We also offer discounts on other policies, like travel or life insurance, when you purchase your PMI through us. Our consistently high customer satisfaction ratings reflect our commitment to our clients.

Can I keep my UK private medical insurance policy when I move abroad?

No, a standard UK PMI policy is designed for treatment within the UK and will not cover you once you are no longer a UK resident. You will need to purchase a specialist International Private Medical Insurance (IPMI) policy that is designed for expats and provides cover in your new country of residence.

Will my S1 form be enough for healthcare in Europe?

The S1 form is very valuable as it gives you access to the state healthcare system in your new EU country on the same basis as a local. However, it does not cover private treatment. This means you may face long waiting lists for specialists and surgery. An IPMI policy works alongside the S1, giving you the choice to access fast, private treatment when you need it most.

What happens to my pre-existing health conditions when I apply for new cover?

Generally, pre-existing conditions—illnesses or injuries you had before the policy start date—are excluded from cover. It is vital that you declare your full medical history honestly during the application process. An insurer will then either place a 'moratorium' on the condition or exclude it permanently. Attempting to hide a condition can invalidate your entire policy.

Can I get medical treatment back in the UK with my international policy?

Yes, this is a very popular option. When choosing your IPMI policy, you can select an 'area of cover' that includes the UK. This allows you to return to the UK for private medical treatment, which many expats prefer as it allows them to be closer to family and friends during their recovery.

Ready to Plan Your Healthy Retirement Abroad?

Planning your retirement abroad is an exciting time. Securing the right health insurance is the most important step you can take to protect your health and finances, ensuring your new life is as stress-free as possible.

Let the experts at WeCovr help. We'll take the time to understand your plans and your health needs, then compare the market to find you the best international private medical insurance at the most competitive price.

[Get Your Free, No-Obligation IPMI Quote from WeCovr Today]

Sources

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

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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