How To Claim on Your Private Health Insurance

How To Claim on Your Private Health Insurance 2024

Comprehensive Guide to Claiming on Your Private Health Insurance

At WeCovr, we pride ourselves on being an insurance broking firm dedicated to aiding our valued customers in navigating the intricacies of private health insurance. In this extensive guide, we shall meticulously walk you through the steps to ensure you can access the private medical treatment you require swiftly and efficiently.

Understanding Your Policy: The First Step to Seamless Claims

Before initiating a claim, it is paramount to comprehend the nuances of your private health insurance policy. Here at WeCovr, we collaborate closely with our clients, ensuring they possess the appropriate coverage tailored to their unique needs and budget constraints. Your policy shall outline the core coverage, such as inpatient treatment and cancer care, alongside any optional extras you have judiciously chosen, like outpatient cover.
It is crucial to note that you are covered as soon as you commence paying your premiums. Nevertheless, pre-existing conditions are typically excluded from cover. If you have consulted your GP regarding a particular issue just prior to taking out the policy, it is improbable that treatment for that condition shall be covered.

Navigating the Claims Process: A Streamlined Journey

The claims process can vary depending on your insurance provider and the tools they have in place. Some may require you to make a telephone call or complete a claim form, while others offer the convenience of online or app-based options. At WeCovr, we collaborate with a diverse range of insurers to provide our clients with the most convenient and efficient claims experience possible.

The Four Steps to Claiming on Your Health Insurance: A Concise Guide

  • Visit your GP: Unless you have a direct access option with your private health insurance, you will need to consult a GP before initiating your claim. This crucial step ensures that you have been appropriately assessed and referred to a suitable treatment provider. Your GP can furnish you with an open referral letter, which allows you to choose a specialist healthcare provider from your insurer's list of approved options.
  • Initiate your claim: After consulting your GP and receiving your open referral letter, it is time to contact your insurer to initiate a claim. This process could transpire via an app, online, or by telephone. You will need to provide your policy number and a copy of your referral letter. Your insurance company shall verify whether your policy covers the treatment and may also review your medical history.
  • Finding healthcare providers: You can arrange private treatment with a provider of your choosing, as long as your policy covers them. Many insurers cover an extensive list of consultants and hospitals, but there may be some restrictions. At WeCovr, we can assist you in navigating your options and selecting the best healthcare provider for your unique needs.
  • Paying the bill: In most cases, the hospital shall invoice your insurer directly after your treatment. You will need to pay any excess amount yourself if there is an excess on your policy. Your insurer should inform you of the amount you will need to pay when you first make a claim.

Navigating Claims with Leading Health Insurance Providers

While the overarching claims process for health insurance is broadly similar across providers, each insurer may have nuanced variations in their approach. At WeCovr, we maintain close collaborative relationships with a diverse range of leading insurers, ensuring our clients have access to the most comprehensive coverage and seamless claims support.

Bupa: Tailored Solutions for Specific Conditions

Bupa offers a unique direct access treatment option for patients exhibiting symptoms related to cancer, musculoskeletal conditions, or mental health issues. Customers with access to this service can bypass the traditional GP referral process and secure an appointment directly with a consultant. However, for those without direct access, a visit to the GP remains necessary for an assessment and an open referral. Once you have obtained the referral, you can initiate your claim by contacting Bupa, who will provide a pre-authorisation number and recommend a selection of consultants for you to choose from.
For more information please visit their website at Bupa.

Aviva: Embracing Digital Convenience

Aviva's claims journey commences with a visit to your GP, or alternatively, you can leverage their digital GP app for a virtual consultation. While they accept named referrals to specific consultants, requesting an open referral may offer greater flexibility. Aviva encourages initiating claims through their user-friendly MyAviva online portal, although you can also initiate the process via telephone. Upon submitting your claim, Aviva will inform you of the pre-approved tests and treatments, enabling you to select your preferred hospital or consultant from their comprehensive lists or guided consultant choices.
For more information please visit their website at Aviva.

Axa Health: Comprehensive Support for Specialist Care

Axa Health insurance primarily focuses on specialist care, typically excluding primary care services. As such, you will need to consult your own GP to request an open referral before initiating your claim. However, Axa offers a unique 'Working Body' service, allowing you to access advice from a physiotherapist for muscle and joint-related concerns. Following your appointment, you will need to contact Axa to provide details of any recommended tests or treatments, enabling them to authorise your claim.
For more information please visit their website at Axa Health.

Vitality: Holistic Care at Your Fingertips

Vitality offers a suite of services accessible through their online Member Zone and Member app, including direct access to physiotherapists, mental health practitioners, and menopause support. However, if you require a consultation with a specialist, a GP referral is necessary. Once you have obtained the referral, you can initiate your claim by contacting Vitality, who will provide you with a care reference number. This reference number allows your consultant to submit bills directly to Vitality, streamlining the process.
For more information please visit their website at Vitality.

The Exeter: Tailored Approach Based on Coverage

The claims process with The Exeter is tailored to your specific coverage. Regardless of your plan, you will need to consult your GP for a referral before initiating your claim via telephone. The Exeter will require a copy of the referral letter and will contact your consultant after your initial appointment to gather details on any recommended further treatments. This step ensures they can confirm the extent of coverage before proceeding.
For more information please visit their website at The Exeter.

WPA: Streamlined Claims, Immediate Decisions

After consulting your GP or utilising WPA's remote GP service for a referral, you can initiate your claim through multiple convenient channels – by telephone, online, or via the WPA app. WPA prides itself on providing immediate decisions and pre-authorisation codes, allowing you to book your care without delay. Additionally, they will inform you if you need to contribute towards the cost of your care, ensuring transparency throughout the process.
For more information please visit their website at WPA.

Freedom: Flexible Options for Comprehensive Care

Freedom health insurance offers two distinct policies: Freedom Elite and Freedom Essentials. The claims process for both policies begins with a visit to your GP and a call to Freedom for a pre-authorisation code. With Freedom Elite, you can book your appointments directly and inform Freedom if you require additional treatment. Freedom Essentials customers must also call the helpline for approval but have the flexibility to choose from NHS care, private healthcare within the UK, or private treatment overseas, catering to diverse preferences and needs.
For more information please visit their website at Freedom.

Empowering You with Knowledge: Insurance Expertise at Your Fingertips

At WeCovr, we understand that navigating the complexities of health insurance can be daunting. That's why we strive to empower our clients with comprehensive knowledge, ensuring they can make informed decisions about their coverage and claims processes. Our team of dedicated specialists is well-versed in the intricate details of various insurance providers, enabling us to provide tailored guidance and support.

Staying Ahead of Industry Trends

The health insurance landscape is constantly evolving, with providers introducing new services, adjusting policies, and adapting to changing market dynamics. At WeCovr, we remain vigilant, closely monitoring these developments to ensure our clients have access to the latest information and options. Our commitment to continuous learning allows us to provide up-to-date advice, helping you navigate the ever-changing insurance terrain with confidence.

Personalised Consultations: Tailoring Solutions to Your Needs

We understand that every individual's circumstances are unique, and a one-size-fits-all approach simply won't suffice. That's why we prioritise personalised consultations, taking the time to understand your specific needs, lifestyle, and budget constraints. By fostering open and transparent communication, we can better advise you on the most suitable health insurance options and guide you through the claims process seamlessly.

Transparent and Ethical Practices

At the core of our operations lies a deep commitment to transparency and ethical practices. We believe in fostering long-lasting relationships built on trust and integrity. Our brokers are trained to provide unbiased recommendations, ensuring that your best interests are always at the forefront. We pride ourselves on our impartiality, never allowing external influences to sway our advice.

Continuous Support: Your Partner Throughout the Journey

Our role doesn't end once you've selected a health insurance policy. We remain your trusted partner throughout the entire journey, offering unwavering support and guidance. Whether you need assistance navigating the claims process, understanding policy changes, or exploring alternative coverage options, our team is readily available to address your concerns and provide the clarity you deserve.

Frequently Asked Questions: Addressing Common Concerns

  • How can I determine which health insurance provider is right for me?
Choosing the right health insurance provider involves carefully considering factors such as your specific healthcare needs, budget, preferred claims process, and coverage requirements. Our brokers will work closely with you to evaluate these factors and recommend the most suitable options tailored to your unique circumstances.
  • Can WeCovr assist me if I encounter difficulties with the claims process?
Absolutely. We understand that the claims process can sometimes be complex and frustrating. If you encounter any challenges or have questions, our team is readily available to provide guidance and support. We can liaise with insurance providers on your behalf, ensuring a smooth and hassle-free experience.
  • How often should I review my health insurance coverage?
It's generally recommended to review your health insurance coverage annually or whenever significant life changes occur, such as a change in employment, marital status, or the addition of a new family member. Our brokers can assist you in reassessing your coverage and making any necessary adjustments to ensure it continues to meet your evolving needs.
  • Can WeCovr help me switch insurance providers if I'm dissatisfied with my current coverage?
Certainly. We understand that circumstances change, and your current health insurance policy may no longer align with your needs. Our brokers can evaluate alternative options from various providers and guide you through the process of switching seamlessly, ensuring continuity of coverage and minimising any disruptions.

Conclusion: Your Trusted Partner in Healthcare Coverage

At WeCovr, our mission is to be your trusted partner in navigating the complexities of private health insurance. We believe that access to quality healthcare should be a fundamental right, and our role is to empower you with the knowledge and resources to make informed decisions about your coverage.
By leveraging our extensive expertise, industry insights, and collaborative relationships with leading insurance providers, we strive to simplify the claims process and ensure you receive the care you need, when you need it most. Our commitment to transparency, ethical practices, and personalised service sets us apart, making us the ideal choice for those seeking reliable guidance in the world of health insurance.
Take the first step towards peace of mind and contact our team today. Together, we can embark on a journey towards comprehensive healthcare coverage tailored to your unique needs and preferences.

Why get private health insurance?

Health insurance allows you get back on your feet quicker:

✅ Avoid long NHS waiting lists of many weeks and get treated faster with private medical insurance, which can be really important for a successful recovery
✅ Get early diagnosis so you can get the treatment you need right away done privately
✅ Business owners can save on their tax bill with private medical insurance
✅ You are free to choose your surgeon or hospital to suit your needs by place and time
✅ You often get a private room with better facilities for your treatment or surgery
✅ With private medical health insurance you gain access to advanced treatments not available on the NHS

Benefits offered by private health insurance

Private medical health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You just pay an affordable monthly premium that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

Our mission is to put you in touch with not only the best, but the most suitable private medical health insurance companies. With even more risk on the rise for personal health today, it makes more sense than ever to have private medical health insurance cover.

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

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 increasing numbers of individuals and families opt for PMI insurance

👉 We insure our cars, houses, bicycles and even bags! Yet our health is one the most precious things we have.

People buy life, critical illness and private medical health insurance for a variety of reasons – easily one of the most important insurance purchases an individual or family can make in their lifetime. PMI insurance is still seen as a luxury in the UK. Indeed, only around 11% of the population has private medical insurance. However, an increasing number of people are taking out private medical insurance due to a number of reasons:
  • Avoid NHS waiting lists and be treated more quickly
  • Faster diagnosis (comprehensive cover)
  • More access to latest cancer drugs and treatments, some of which may be unavailable on the NHS
  • Greater choice over where and when your treatment takes place
  • Have a private room should you need treatment in hospital
Our experienced FCA-authorised insurance partner experts are ready to provide you with a FREE Consultation.

👍 Simply get your affordable private medical health insurance plan in place for the necessary peace of mind! Just tap or click the button below to book a FREE call now! 👇

Compare private medical health insurance plans suitable for your circumstances from these insurers and more

PMI Insurers

It's as easy as 1, 2, 3!

1. Complete a brief form

2. Our experts will find and discuss your quotes

3. Enjoy your protection!


Any questions?

Do I need Private Medical Insurance if I have Life Insurance?

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.

Are Pre-existing Medical Conditions Covered?

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.

Why Do I Need Private Medical Insurance?

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.

How Much Does It Really Cost?

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.

Isn't NHS Treatment and Coverage Enough?

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.

Why Do I Need to Speak to Someone?

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.

Are Your Insurance Partners Trustworthy?

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!

How Do You Make Money If the Quotes Are Free to Get?

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.

How Much Is Private Health Insurance?

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.

How Does Private Health Insurance Work?

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.

What Does Health Insurance Cover?

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.

Can I Pay Extra to Have a Pre-existing Condition Covered?

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.

When Will My Health Insurance Policy Start?

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.

Will I Need an Excess on My Private Health Insurance Policy?

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.

How Can I Reduce the Cost of Health Insurance?

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.

Is There an Age Limit for Private Medical Insurance?

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.

How Can I Compare Health Insurance Plans?

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.

Can I Add Other People Onto My Health Insurance Policy?

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.

Can I Use Health Insurance Abroad?

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.

What is Comprehensive Cover?

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.

Does Health Insurance Cover Dental Treatment?

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.

Does Health Insurance Cover Cancer?

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.

Can I Change My Cover Once I Have Signed Up?

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.

How Quickly Can I Get an Appointment with a Private GP?

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

Can Each Person on My Policy Have Different Options of Cover?

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

Are There Different Levels of Cover?

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

Where Can I Find Out More About Hospitals or Treatment Providers?

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.

What Does Fee Assured Mean?

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

Does Health Insurance Cover Mental Health?

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

Can I Cover My Children as Well?

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

Will the Cost Go Up Every Year?

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

How Much Does Health Insurance Cost?

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.

What's the Difference Between Health Insurance and NHS?

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

Does Health Insurance Cover Physiotherapy?

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

Can I Use My Cover Straight Away?

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

How Can I Get a Quote?

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.

What Does Health Insurance Cover and What Can't It Cover?

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

How Does Health Insurance Work?

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

What is Outpatient Cover?

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

Can I Use My Health Insurance Cover Immediately?

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.

Does Health Insurance Cover A&E (Accident and Emergency)?

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.

Are There Any Rewards for Being a PMI Plan Holder?

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.

I'm Leaving My Job and Have Health Insurance with Them, What Do I Do?

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.

How Do I Get a Quote After I've Left My Job?

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.

If I Continue My Health Insurance After I've Left My Job, Will My New Cover Be the Same as Before?

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.

If I Continue My Health Insurance After I Left My Job, Will the Price for My New Cover Be the Same?

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.

How Long Do I Have After Leaving My Job to Decide to Stay with My Insurer?

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.

What Do I Need Before Asking About Continuing My Cover After I've Left My Job?

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

I've Ongoing Treatment But I'm Leaving My Work Health Insurance Policy, Can I Still Have Treatment?

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.

When And How Do I Pay My Excess?

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

Do I Pay an Excess for Using Services Like Digital GP?

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

Can I Change My Excess Partway Through the Year?

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

What is a No Claims Discount?

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

Can I Pay Extra to Have a Pre-existing Condition Covered?

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

What is Full Medical Underwriting?

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

What is Moratorium Underwriting?

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

Will My Claim Take Longer If I Have Moratorium Underwriting?

Claims may require additional information if under moratorium underwriting.

What is a Pre-existing Condition?

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.

Is An Annual Review Of My Health Insurance Necessary?

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.

Are There Age Restrictions For Health Insurance?

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.

Is It More Cost-Effective To Pay For Health Insurance Monthly Or Annually?

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.

Do I Need Private Health Insurance If My Employer Provides Coverage?

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.

Is A Medical Exam Required To Get Coverage?

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.

Do I Need A GP Referral To Go Private?

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.

How Much Quicker Can I Get A GP Appointment With Private Medical Insurance?

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.

What's The Difference Between Inpatient And Outpatient Care?

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.

What's The Difference Between Health Insurance And Critical Illness Cover?

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.

Will My Policy Cover Me Outside Of The UK?

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.

How Are Health Insurance Premiums Taxed? Are They Tax Deductible?

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.

How Does The Excess Work?

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.

What Is The Difference Between Full Medical And Moratorium Underwriting?

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.

Can I Get A No-Claims Discount On My Private Health Insurance?

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.

How Can I Find The Best UK Private Health Insurance For Me?

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.

Do I Need a GP Referral for Private Medical Treatment?

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.

Can I Get Finance for a Loan for Surgery?

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.

How Much Does Private Medical Insurance Cost in the UK?

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

Can I Go Private and Then Return to the NHS?

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.

Is Private Healthcare Better than the NHS?

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.

Can I Self-Refer to a Private Consultant?

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.

Will the NHS Accept a Private Diagnosis?

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.

Learn more about private health insurance


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The guidance contained within the website is subject to the UK regulatory regime and is therefore targeted at customers in the UK. A FCA regulated expert will contact you after you submit your details to discuss further. WeCovr is a trading style of Political And Credit Risks Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 735613.