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How Real People Save Martin Lewiss Followers Share Success Stories

How Real People Save Martin Lewiss Followers Share Success...

At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we know the value of smart shopping for private medical insurance in the UK. This article reveals how real people are using proven strategies to secure the best private health cover without overpaying, inspired by consumer champion Martin Lewis.

Put a spotlight on success stories from readers who saved hundreds or thousands on policies thanks to Martin Lewis's negotiating and quote-comparison strategies. "I saved £1,001 on a health insurance quote by haggling, thanks to Martin Lewis's tips!" — MSE reader Tony

Tony's story isn't a one-off. It's a powerful example of a simple truth in the UK insurance market: loyalty rarely pays. Every year, thousands of people like Tony face steep increases in their private medical insurance (PMI) renewal quotes and, feeling trapped, simply accept them. But a growing number are fighting back, armed with the savvy negotiation and comparison tactics popularised by Martin Lewis.

They are discovering that with a little know-how and the right support, it's possible to slash premiums by hundreds, or even thousands, of pounds. This isn't about finding loopholes or cutting essential cover; it's about understanding how the market works and making it work for you.

This guide will break down these exact strategies, explore why your premiums might be rising, and show you how using an expert broker can put you in the strongest possible position.

Why Do Private Health Insurance Premiums Rise at Renewal?

Before we dive into the saving strategies, it's essential to understand why your renewal quote is often higher than last year's premium. It’s rarely personal. Several factors are at play:

  • Your Age: This is the most significant factor. As we get older, the statistical likelihood of needing medical treatment increases. Most insurers have age-related price bands, and moving into a new one (e.g., from 49 to 50) can trigger a noticeable price jump.
  • Medical Inflation: The cost of private healthcare consistently outpaces general inflation. Advances in medical technology, new drugs, and higher operating costs for private hospitals all contribute to this. According to industry analysis, medical inflation often runs between 5% and 10% per year.
  • Your Claims History: If you've made a claim on your policy in the previous year, your insurer may increase your premium at renewal. This is especially true if you have a no-claims discount, which you will likely lose.
  • Insurer's Performance: Sometimes, an insurer might increase prices across the board for a particular type of policy if it has experienced a higher-than-expected number of claims from that customer group.
  • Introductory Discounts: Many insurers offer a tempting discount for your first year. At renewal, this discount vanishes, leading to a sudden and significant price hike. This is often called "price walking," a practice the Financial Conduct Authority (FCA) has been scrutinising to ensure fairness for long-standing customers.

Understanding these factors is the first step to challenging a price rise. It's not arbitrary; it's calculated. And that means you can take calculated steps to counter it.

The Martin Lewis Method: A Breakdown for Health Insurance

The core of the money-saving philosophy is simple but powerful. It rests on three key pillars, which we've adapted specifically for the private medical insurance UK market.

  1. Never Auto-Renew: Always get comparison quotes from the wider market.
  2. Haggle: Use those cheaper quotes to negotiate with your current provider.
  3. Review & Adjust: If you can't get the price down, tweak your policy features to reduce the cost.

Let's explore each of these in detail.

Strategy 1: Never Auto-Renew – Always Compare the Market

Accepting your renewal quote without checking alternatives is like giving your insurer a blank cheque. The price they offer you is almost certainly not the best price available.

New customers get the best deals. Insurers are constantly competing for new business and will offer keen prices and introductory offers to attract them. By shopping around, you effectively become a "new customer" again every year.

How to Compare Effectively:

  • Start Early: Begin your research at least a month before your renewal date. This gives you plenty of time to gather quotes and negotiate without feeling rushed.
  • Gather Your Documents: Have your current policy schedule to hand. You'll need to know your current level of cover, underwriting type, and any exclusions to ensure you're comparing like-for-like policies.
  • Use an Independent Broker: This is, without a doubt, the most effective method. A good broker, like WeCovr, does the legwork for you. We have access to policies and prices from a wide panel of leading UK insurers, some of which may not be available directly to the public. Our service costs you nothing, as we are paid a commission by the insurer you choose. It's an expert on your side, for free.

An expert broker can quickly identify if your renewal price is competitive and find cheaper alternatives with the same or even better levels of cover.

Strategy 2: The Art of the Haggle – Negotiating with Your Current Provider

This is where Tony saved his £1,001. Once you have cheaper quotes from other insurers for equivalent cover, you have a powerful bargaining chip.

Here’s a step-by-step guide to haggling:

  1. Phone Your Insurer: Speak to the customer retention or renewals department. These are the people with the authority to offer discounts.
  2. Be Polite but Firm: Explain that you've received your renewal quote, you're a loyal customer, but the price is too high.
  3. Present Your Evidence: State that you have received alternative quotes that are significantly cheaper. You can say something like, "I've been offered comparable cover with [Competitor Name or 'another leading insurer'] for £X less. I'd prefer to stay with you, but I can't justify paying so much more. Can you match that price or get closer to it?"
  4. Be Prepared to Leave: The biggest power you have is your willingness to switch. If they believe you will walk away, they are far more likely to make you a better offer.
  5. Don't Accept the First Offer: They may offer a small reduction initially. Push back gently. Ask, "Is that the absolute best you can do?" Often, a better deal is held back for those who persist.

Even if they can't match the best quote exactly, they may reduce the price enough to make it worthwhile staying, saving you the hassle of switching.

Strategy 3: Tweak Your Policy, Not Your Health – Adjusting Your Cover

If comparing and haggling don't get your premium to a comfortable level, the next step is to review the components of your policy. Small changes can lead to big savings without compromising on the core protection you need.

Here are the main levers you can pull:

Policy ComponentHow It WorksImpact on Premium
ExcessThe amount you pay towards a claim before the insurer pays the rest. Excesses typically range from £0 to £1,000+.High Impact: Increasing your excess from £250 to £500 can significantly reduce your premium.
Hospital ListInsurers group hospitals into tiers. A comprehensive list includes top central London hospitals; a more restricted list might exclude these high-cost options.High Impact: If you don't live near London or are happy to travel to a hospital outside the M25, choosing a more limited list can save a lot.
The 6-Week OptionThis popular option means you use the NHS if the treatment you need has a waiting list of less than six weeks. If the NHS wait is longer, your private cover kicks in.Medium Impact: As NHS waiting times for many procedures remain long, this can be a savvy way to save money while still having a safety net.
Outpatient CoverThis covers consultations and diagnostics that don't require a hospital bed. You can choose a full cover limit, a capped limit (e.g., £1,000), or remove it entirely.High Impact: Reducing your outpatient cover from 'Full' to a limit of £1,000 or £500 is one of the most effective ways to cut costs.
Therapies CoverThis covers treatments like physiotherapy or osteopathy. You can often reduce the number of sessions covered or remove it.Low-Medium Impact: A useful saving, but less dramatic than changing your excess or outpatient cover.

Important Note: When adjusting your policy, think about your personal circumstances and what's important to you. It's about finding the right balance between cost and cover. An expert adviser can walk you through these options and model the price impact of each change.

Tony's £1,001 saving is just the start. Here are other examples, inspired by real feedback, showing how these strategies work in practice for different people.

Customer ProfileThe ProblemThe Strategy UsedThe Outcome & Saving
The Family (David & Sarah, 40s, 2 children)Their family policy with a major insurer was set to increase by 30% at renewal, from £220/month to £286/month.Compared the market via a broker. They also considered increasing their excess from £100 to £250 per person.The broker found a near-identical policy with a different provider for £215/month. They switched. Annual Saving: £852.
The Retiree (Margaret, 68)Margaret's policy had crept up to £350/month. She lived in a rural area and never used the included central London hospitals.Reviewed her hospital list and added a 6-week option. Her broker helped find a policy better suited to her location.Her new, more appropriate policy cost £240/month. Annual Saving: £1,320.
The Young Professional (Ben, 32)Ben's first-year introductory discount ended, and his premium jumped from £45/month to £65/month.He used comparison quotes to haggle with his current provider.His insurer agreed to reduce the renewal price to £50/month to keep his business. Annual Saving: £180.

These examples show that whether you're a family, retired, or a young professional, these principles apply universally. The key is to take action.

A Broker's Role: Your Secret Weapon in the Savings Battle

You can, of course, do all this yourself. You can spend hours on comparison websites and on the phone with different insurers. But there's a simpler, more effective way.

Using an independent, FCA-authorised private medical insurance broker like WeCovr is like having a market expert in your corner, fighting for your best interests.

Here’s why it’s the smart choice:

  • Whole-of-Market Access: We have access to a wide range of UK PMI providers, including specialist insurers that don't appear on public comparison sites. This ensures you see the full picture, not just a limited view.
  • Expert Advice, No Jargon: We speak your language. We'll explain the difference between moratorium and full medical underwriting, help you understand the fine print of a hospital list, and advise on the right excess level for your budget.
  • No Cost to You: Our service is free for you to use. We are paid by the insurer you choose, so you get impartial, expert advice without any hidden fees. This is a regulatory requirement to ensure advice is unbiased.
  • Hassle-Free Process: We handle the entire comparison and application process. We'll fill in the forms, chase the insurers, and present you with a clear, simple summary of your best options. This saves you hours of time and stress.
  • Annual Review Service: We don't just find you a policy and disappear. We'll contact you before your next renewal to repeat the process, ensuring you're always on the best possible deal. We take the "never auto-renew" principle and automate it for you.

With high customer satisfaction ratings and a commitment to transparent advice, working with a broker transforms a confusing chore into a simple, empowering experience.

Beyond Price: Finding True Value in Your Private Health Cover

While saving money is a huge priority, the cheapest policy isn't always the best. True value comes from finding a policy that not only fits your budget but also supports your overall health and wellbeing. Modern private health cover is evolving far beyond just paying for operations.

Look out for these valuable added benefits:

  • Digital GP Services: Most top policies now include a 24/7 virtual GP service, accessible via an app. This allows you to get a consultation, diagnosis, and even a prescription without leaving your home, often within a few hours. This is incredibly convenient and can help you get ahead of health issues early.
  • Mental Health Support: This has become a cornerstone of modern PMI. Cover can range from a few counselling sessions to comprehensive support for psychiatric treatment. Given the pressures of modern life, this is an invaluable benefit.
  • Wellness Programmes & Discounts: Many insurers now actively reward you for living a healthy lifestyle. This can include discounts on gym memberships, fitness trackers, and even healthy food. They might offer points for hitting daily step counts, which can be redeemed for cinema tickets or coffee.
  • Complimentary Health Tools: To further support your wellness journey, some brokers offer extra perks. For example, at WeCovr, all our PMI and life insurance clients receive complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, helping you stay on top of your dietary goals.
  • Bundled Discounts: When you buy a policy through an advisory broker like us, you can often get discounts on other types of insurance. For instance, taking out a health insurance policy might unlock a preferential rate on life insurance or income protection, providing more comprehensive financial security for your family.

When comparing policies, look beyond the headline price and consider the total value package.

A Focus on Proactive Health and Wellbeing

The best form of medicine is prevention. A healthy lifestyle can reduce your risk of developing many conditions, keeping you out of hospital and helping to keep your insurance premiums stable over the long term.

  • Diet: A balanced diet rich in fruits, vegetables, lean protein, and whole grains is fundamental. The NHS Eatwell Guide provides a great visual representation of a healthy plate. Using an app like CalorieHero can help you track your intake and make informed choices.
  • Exercise: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This could be a brisk walk, a bike ride, swimming, or a dance class. Find something you enjoy to make it a sustainable habit.
  • Sleep: Aim for 7-9 hours of quality sleep per night. Good sleep is crucial for mental and physical recovery. Create a relaxing bedtime routine and minimise screen time before bed.
  • Stress Management: Chronic stress can have a significant physical impact. Techniques like mindfulness, yoga, or simply spending time in nature can be powerful tools for managing stress.

CRITICAL: What UK Private Medical Insurance Does Not Cover

It is vital to have a clear understanding of what private medical insurance is for. Misunderstanding this can lead to disappointment and frustration when you need to make a claim.

PMI is designed to cover the diagnosis and treatment of new, 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 (e.g., a cataract, a hernia, or a joint replacement).

The two most important exclusions on virtually all standard UK PMI policies are:

  1. Pre-existing Conditions: Any medical condition you had symptoms of, received advice for, or were treated for before your policy started will not be covered. This applies whether you had a formal diagnosis or not. Some policies may cover them after a set period (usually two years) provided you have remained symptom-free, but this depends on your underwriting.
  2. Chronic Conditions: These are long-term conditions that cannot be cured, only managed (e.g., diabetes, asthma, high blood pressure, arthritis). Your PMI will not cover the day-to-day management of a chronic condition. However, it may cover an acute flare-up of a chronic condition, but this is a complex area and varies by insurer.

Other standard exclusions typically include routine pregnancy and childbirth, cosmetic surgery (unless for reconstructive purposes after an accident), and treatment for addiction. Always read your policy documents carefully.

Your Step-by-Step Guide to Saving on PMI with WeCovr

Ready to put these strategies into action and see how much you could save? Here’s a simple plan:

  1. Contact Us: Get in touch with our team of friendly, expert advisers. You can call us or fill in a simple online form.
  2. Tell Us About You: We'll have a short, no-obligation chat to understand your needs, your budget, and your current policy (if you have one).
  3. We Search the Market: Our team will then conduct a comprehensive market comparison, searching for the best-value policies from the UK's leading insurers.
  4. Review Your Options: We'll present you with a clear, easy-to-understand summary of your top 2-3 options, explaining the pros and cons of each. We will also use these quotes to see if we can haggle a better deal from your current provider.
  5. You Decide: You choose the policy that's right for you. Whether you decide to switch or stick, we'll handle all the paperwork.
  6. Enjoy the Savings: Relax, knowing you have the right cover at the best possible price, with an expert team ready to help you again next year.

Is it better to switch my health insurer or haggle for a better price?

Both strategies are powerful. The best approach is to first get comparison quotes from the market. This gives you the leverage you need to then haggle effectively with your current provider. Often, your existing insurer will offer a significant discount to keep you, saving you the administrative effort of switching. However, if they can't get close to the best market price, switching is the most financially sensible option. An expert broker can manage this entire process for you.

Will my pre-existing conditions be covered if I switch private medical insurance providers?

Generally, no. Standard private medical insurance in the UK, whether it's a new policy or you're switching, is designed for new, acute conditions that arise after your policy begins. Pre-existing conditions are typically excluded. However, if you switch on a 'Continued Medical Exclusions' (CME) basis, your new insurer will carry over the same exclusions as your old policy. This means any conditions that were already covered by your old insurer will continue to be covered by the new one, and anything that was excluded will remain excluded.

How much excess should I choose for my health insurance policy?

The right excess depends on your personal financial situation and attitude to risk. A higher excess (e.g., £500 or £1,000) will result in a significantly lower monthly premium. This can be a good option if you are healthy, have savings available, and see your policy primarily as protection against major medical events. A lower excess (e.g., £100 or £250) means a higher premium, but you'll pay less out-of-pocket if you need to claim. Consider what you could comfortably afford to pay at short notice.

Does private medical insurance cover chronic conditions like diabetes or asthma?

No, standard UK private medical insurance does not cover the routine management of chronic conditions. These long-term illnesses, which require ongoing monitoring and care rather than a curative treatment, remain the responsibility of the NHS. However, some policies may provide cover for an acute flare-up of a chronic condition. For example, a sudden, severe asthma attack requiring hospitalisation might be covered, but the day-to-day inhalers and check-ups would not be. It's crucial to check the specific wording of your policy.

Don't let your renewal quote get you down. Take control, challenge the price, and join the thousands of savvy consumers who are saving a fortune on their private health cover.

[Get your free, no-obligation health insurance quote from WeCovr today and discover how much you could save.]

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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