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How to Claim on Private Health Insurance Without Stress

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

Having private medical insurance in the UK offers peace of mind, but the thought of making a claim can feel daunting. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we believe the process should be simple. This guide demystifies making a claim on your private health cover.

Key takeaways

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of things like joint injuries, cataracts, hernias, or gallstones.
  • A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, has no known cure, is likely to recur, or requires ongoing management. Examples include diabetes, asthma, arthritis, and high blood pressure. Standard PMI policies do not cover chronic conditions.
  • Moratorium Underwriting: This is the most common type. Your insurer won't ask for your full medical history upfront. Instead, they will automatically exclude any condition you've had in the five years before your policy started. However, if you remain symptom-free, treatment-free, and advice-free for that condition for a continuous two-year period after your policy begins, it may become eligible for cover.
  • Full Medical Underwriting (FMU): You provide your full medical history when you apply. The insurer then reviews it and states from day one precisely what is and isn't covered. This provides more certainty but can mean permanent exclusions for certain past conditions.
  • What to do: Book an appointment with your GP. Clearly explain your symptoms, when they started, and how they are affecting you.

Having private medical insurance in the UK offers peace of mind, but the thought of making a claim can feel daunting. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we believe the process should be simple. This guide demystifies making a claim on your private health cover.

WeCovr's step-by-step guide to a smooth PMI claims process

Claiming on your private medical insurance (PMI) doesn't need to be complicated. In essence, it’s a logical sequence of steps designed to get you the right diagnosis and treatment quickly. By understanding how the journey works from start to finish, you can navigate it with confidence.

Think of it like this: your policy is your map, your GP is your starting point, and your insurer is your guide. Our job is to ensure you have the best possible map before you ever need it.

This guide will walk you through every stage, from the first symptom to the final payment, ensuring you feel empowered and in control.

Understanding Your Private Health Insurance Policy First

Before you can make a claim, you must understand what your policy does—and doesn't—cover. Getting this right from the outset is the single most important factor in a stress-free claims experience.

The golden rule of UK private medical insurance is that it is designed to cover acute conditions that arise after you take out your policy.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of things like joint injuries, cataracts, hernias, or gallstones.
  • A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, has no known cure, is likely to recur, or requires ongoing management. Examples include diabetes, asthma, arthritis, and high blood pressure. Standard PMI policies do not cover chronic conditions.

Pre-existing Conditions: The Crucial Exclusion

Similarly, any medical condition you had symptoms of, received advice for, or were treated for before your policy began is considered pre-existing. These are typically excluded from cover, at least for an initial period.

How these are handled depends on your underwriting:

  1. Moratorium Underwriting: This is the most common type. Your insurer won't ask for your full medical history upfront. Instead, they will automatically exclude any condition you've had in the five years before your policy started. However, if you remain symptom-free, treatment-free, and advice-free for that condition for a continuous two-year period after your policy begins, it may become eligible for cover.
  2. Full Medical Underwriting (FMU): You provide your full medical history when you apply. The insurer then reviews it and states from day one precisely what is and isn't covered. This provides more certainty but can mean permanent exclusions for certain past conditions.

Key Policy Terms to Know

Understanding these terms will help you avoid surprises during a claim.

TermWhat it Means in Plain EnglishWhy it Matters for a Claim
Policy ExcessThe amount you agree to pay towards the cost of a claim. This is a one-time payment per policy year or sometimes per claim.You will need to pay this amount directly to the hospital or have it deducted from a reimbursement. A £250 excess means you pay the first £250 of your treatment cost.
Benefit LimitsThe maximum amount your insurer will pay for certain treatments or services in a policy year. For example, a £1,000 limit for outpatient consultations.If your treatment costs more than the limit, you will have to cover the difference. Core policies often have high or unlimited inpatient limits but may cap outpatient cover.
Hospital ListA list of private hospitals and clinics where your policy will cover your treatment. These are often tiered.Choosing a hospital not on your list means your insurer won't pay. Check your list before agreeing to a location for treatment.
Outpatient CoverCover for consultations, tests, and diagnostics that don't require a hospital bed. For example, seeing a specialist or having an MRI scan.This is often an optional add-on. If you don't have it, you'll need to pay for your initial consultations and diagnostic tests yourself.
Inpatient CoverCover for treatment that requires a hospital bed, including surgery and overnight stays. This is the core of all PMI policies.This covers the most expensive part of private treatment, such as the surgery itself, accommodation, and nursing care.

The Step-by-Step PMI Claims Process Explained

Once you're familiar with your policy, the claims process itself is a straightforward path. Follow these steps for a smooth journey.

Step 1: Spotting the Symptom & Seeing Your GP

Your journey almost always begins with your NHS General Practitioner (GP). Whether you've injured your knee playing football or have been experiencing persistent headaches, your GP is your first port of call.

  • What to do: Book an appointment with your GP. Clearly explain your symptoms, when they started, and how they are affecting you.
  • Why it's important: Private insurers require a GP referral to ensure that specialist treatment is medically necessary. It's a crucial first step that validates your need for further investigation. Your GP acts as a gatekeeper to specialist care.

Step 2: Getting a GP Referral

If your GP agrees that you need to see a specialist, they will write a referral letter. This is the key that unlocks your private medical insurance.

There are two types of referral:

  • Open Referral: Your GP recommends you see a certain type of specialist (e.g., a cardiologist or an orthopaedic surgeon) but doesn't name a specific person. This is the most common and flexible type of referral.
  • Named Referral: Your GP recommends a specific consultant. You must check if this consultant is recognised by your insurer before proceeding.

Pro Tip: Always ask for an open referral if possible. It gives you and your insurer the most flexibility to find a recognised specialist who can see you quickly.

Step 3: Contacting Your Insurer to Pre-Authorise Treatment

This is the point where you officially start your claim. Do not book any appointments before this step.

  • What to do: Call your insurer's claims line. You can find the number on your policy documents or their website.
  • Information you'll need:
    • Your policy number
    • Your full name and date of birth
    • Details of your symptoms
    • The date you first saw your GP
    • The details from your GP's referral letter

The insurer will check your cover and, if the condition is eligible, they will give you a pre-authorisation number. This number is confirmation that they have agreed to cover the initial consultation.

Step 4: Choosing a Specialist and Hospital

With your pre-authorisation in hand, you can now find a specialist.

  • How it works: Your insurer will provide you with a list of recognised specialists in your area who are experts in the relevant field. They will also confirm which hospitals on your policy list you can use.
  • Your role: You can then contact the specialist's private secretary to book your first appointment, providing them with your PMI policy details and pre-authorisation number. Many top-tier insurers can even book the appointment for you.

Step 5: Attending Your Consultation and Diagnostic Tests

You will attend your initial consultation with the specialist. They will discuss your symptoms and may recommend diagnostic tests like an MRI scan, X-ray, or blood tests to get a clear picture of the problem.

Crucial Point: Each stage of treatment requires authorisation.

If the specialist recommends tests, you must contact your insurer again to get these approved. You'll need to tell them:

  • The name of the test(s)
  • The estimated cost (the specialist's secretary can provide this)
  • Where you plan to have the test done

The insurer will provide a new or updated pre-authorisation number for the diagnostic stage.

Step 6: Authorising Further Treatment or Surgery

Once the test results are in, you'll have a follow-up consultation. If the specialist recommends a procedure, like keyhole surgery or a course of physiotherapy, this is considered the next stage of treatment.

You guessed it: you need to call your insurer one more time.

  • What to do: Contact your insurer with the details of the recommended treatment. You will need the procedure code (CCSD code), which the specialist's secretary will provide. This code tells the insurer exactly what treatment you are having.
  • Authorisation: The insurer will provide final authorisation for the treatment, confirming they will cover the costs.

Step 7: Settling the Bill

This is the most stress-free part of the process. In nearly all cases, you won't see a bill at all.

  • Direct Settlement: The hospital and the specialist will send their invoices directly to your insurance company. The insurer pays them, using the pre-authorisation numbers you secured along the way.
  • Your Excess (illustrative): If your policy has an excess (e.g., £250), the hospital will usually invoice you for this amount directly after your treatment. You pay your excess, and the insurer pays the rest.

What Happens if My Health Insurance Claim is Rejected?

While the vast majority of eligible claims are approved smoothly, a claim can sometimes be rejected. Understanding why can help you avoid this situation or know what to do if it happens.

Common reasons for a rejected claim include:

  • The condition is not covered: This is the most frequent reason. It could be a chronic condition, a pre-existing condition excluded under a moratorium, or a specific treatment excluded from your policy (e.g., cosmetic surgery).
  • You've exceeded your benefit limits (illustrative): If your policy has a £1,000 outpatient limit and your consultations and scans cost £1,200, the insurer will reject the final £200.
  • Treatment was not pre-authorised: If you book an appointment or undergo a procedure without getting a pre-authorisation number, the insurer has the right to refuse payment.
  • You used a non-recognised provider: Using a hospital or specialist that is not on your insurer's approved list will result in a rejected claim.

Steps to Take if Your Claim is Denied

  1. Don't Panic: Read the explanation letter from your insurer carefully. It will state the exact reason for the denial.
  2. Talk to Your Insurer: Call their claims department. Sometimes, it's a simple misunderstanding that can be cleared up with more information from you or your GP.
  3. Use the Internal Appeals Process: Every insurer has a formal complaints and appeals procedure. You can submit a written appeal, providing any new evidence that supports your claim.
  4. Contact the Financial Ombudsman Service (FOS): If you have exhausted the insurer's internal process and are still unhappy with the outcome, you can take your case to the FOS. They are an independent body that settles disputes between consumers and financial services companies. Their decision is binding on the insurer.

Real-Life Examples of a PMI Claim

Let's look at two common scenarios to see how the process works in practice.

Example 1: David's Knee Injury (A Straightforward Acute Claim)

  • The Problem: David, 45, twists his knee playing five-a-side football. It's swollen and painful.
  • Step 1 & 2 (GP): He sees his NHS GP, who diagnoses a suspected ligament tear and writes an open referral to an orthopaedic surgeon.
  • Step 3 (Pre-authorisation): David calls his private health insurer. He gives them his policy number and referral details. The insurer confirms his policy is active, the condition is acute, and gives him a pre-authorisation number for an initial consultation.
  • Step 4 (Booking): The insurer provides David with a list of three approved orthopaedic surgeons in his area. David chooses one and books an appointment for the following week.
  • Step 5 (Consultation & Diagnostics): The specialist confirms a likely ACL tear and recommends an MRI scan to be certain. David calls his insurer again with this information. They authorise the MRI scan.
  • Step 6 (Treatment Authorisation): The MRI confirms a full tear. The specialist recommends keyhole surgery (arthroscopy). David's specialist provides the procedure code. He calls his insurer a final time, and they give him full authorisation for the surgery at a hospital on his policy list.
  • Step 7 (Settlement) (illustrative): David has the surgery two weeks later. The hospital and surgeon bill the insurer directly. David receives a bill for his £100 policy excess, which he pays. He is back on his feet and in physiotherapy within a month, all covered by his policy.

Example 2: Sarah's Diagnostic Journey

  • The Problem: Sarah, 38, has been experiencing persistent abdominal pain for several weeks.
  • Step 1 & 2 (GP): Her GP is unsure of the cause and provides an open referral to a gastroenterologist for investigation.
  • Step 3 (Pre-authorisation): Sarah calls her insurer, who authorises an initial consultation with a specialist from their approved list.
  • Step 5 (Consultation & Diagnostics): The specialist suspects gallstones but needs to rule out other issues. They recommend an ultrasound and blood tests. Sarah calls her insurer, who checks her outpatient limits. Her policy has a £1,500 outpatient limit, which is more than enough. They authorise the tests.
  • Step 6 (Diagnosis & Treatment): The ultrasound confirms Sarah has gallstones, an acute condition. The specialist recommends laparoscopic surgery to remove the gallbladder. Sarah gets the procedure code and calls her insurer to pre-authorise the surgery. It's fully approved.
  • Step 7 (Settlement): The surgery is a success. The total bill comes to £5,500. The insurer settles the full amount directly with the hospital. Sarah pays her £250 excess. The entire process from GP visit to surgery took just five weeks.

Top Tips for a Stress-Free PMI Claim

  • Read Your Documents: Before you even need to claim, read your policy documents. Understand your excess, benefit limits, and hospital list.
  • Keep Your Policy Number Safe: Have it saved on your phone or in an easily accessible place.
  • Always Get a GP Referral: Don't skip this step. It's the foundation of your claim.
  • Pre-authorise Everything: Get an authorisation number for every single stage: initial consultation, tests, surgery, and even follow-up consultations.
  • Stick to the List: Only use hospitals and specialists approved by your insurer.
  • Be Honest: Provide full and accurate information about your symptoms and medical history.
  • Keep Records: Note down dates of calls, who you spoke to, and your authorisation numbers.
  • Choose the Right Policy: The easiest way to have a smooth claims experience is to have the right policy in the first place. Working with an expert PMI broker like WeCovr ensures your cover is tailored to your needs, significantly reducing the risk of claim-time stress.

UK Health Statistics: Why PMI is More Relevant Than Ever

The value of private medical insurance becomes clear when viewed against the backdrop of the current healthcare landscape in the UK. While the NHS provides exceptional care, it is facing unprecedented pressure.

According to the latest NHS England data from late 2024, the referral-to-treatment (RTT) waiting list remains a significant national challenge. Millions of patients are waiting for consultant-led elective care. For many, this means long and anxious waits for diagnoses and procedures that could improve their quality of life.

This is where private medical insurance UK steps in. For eligible acute conditions, a PMI policy allows you to bypass these queues, often reducing the waiting time from many months to just a few weeks. This speed can be crucial not only for your physical health but also for your mental wellbeing, allowing you to get back to work and life faster.

How WeCovr Supports You Beyond the Claim

Our commitment at WeCovr extends beyond just helping you find the best PMI provider. We believe in promoting a holistic approach to your health and wellbeing.

As a WeCovr customer, you gain complimentary access to CalorieHero, our advanced AI-powered calorie and nutrition tracking app. Maintaining a healthy diet and weight is one of the most effective ways to prevent a range of health issues, reducing the likelihood you'll need to claim in the first place. This tool empowers you to take proactive control of your health every day.

Furthermore, we value your loyalty. When you purchase a Private Medical Insurance or Life Insurance policy through us, you become eligible for exclusive discounts on other types of cover you may need, helping you protect your family, home, and finances more affordably. Our high customer satisfaction ratings are a testament to our focus on providing long-term value and support.

FAQs: Your Common PMI Claim Questions Answered

Do I always need a GP referral to claim on my health insurance?

Generally, yes. Almost all UK private medical insurers require a referral from your NHS GP to ensure that specialist treatment is medically necessary. This validates the claim and acts as a safeguard. Some insurers now offer direct access for specific conditions like mental health or physiotherapy, but for most new symptoms, the GP referral is the essential first step.

What's the difference between an inpatient and an outpatient claim?

An outpatient is someone who receives a consultation, test, or treatment at a hospital or clinic but does not need to be admitted and does not occupy a bed. An inpatient is someone who is admitted to hospital and stays overnight or for a day (as a day-patient) for a procedure like surgery. Your PMI policy will have different levels of cover for each, with inpatient cover being standard and comprehensive outpatient cover often being an optional extra.

Can I claim for a condition I had before I took out the policy?

No, you generally cannot. Private medical insurance is designed for new, acute conditions that arise after your policy starts. Conditions you had symptoms of or received treatment for before joining are known as "pre-existing conditions" and are excluded from cover, either permanently or for a set period (usually the first two years), depending on your underwriting type.

Will my premiums go up after I make a claim?

It is very likely. Your premiums are influenced by several factors, including your age, medical inflation, and your claims history. Most insurers offer a "No Claims Discount" (NCD), similar to car insurance. When you make a claim, you can expect to see your NCD reduced and your premium increase at your next renewal. However, the cost of the private treatment you receive will almost always far outweigh the increase in your premium.

Ready for a Stress-Free Health Insurance Experience?

Understanding the claims process is key, but it all starts with having the right policy. A plan that doesn't fit your needs can lead to disappointment when you need it most.

At WeCovr, we take the stress out of choosing. As an independent, FCA-authorised PMI broker, our experts compare policies from across the UK's leading insurers to find the perfect cover for your budget and health needs—all at no cost to you.

[Get Your Free, No-Obligation Quote Today and Secure 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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