WeCovr.

Login

How to Get a Private Medical Insurance Quote in 60 Seconds

How to Get a Private Medical Insurance Quote in 60 Seconds

Finding the right private medical insurance in the UK can feel like a complex task, but what if you could get a clear idea of your options in just a minute? At WeCovr, our FCA-authorised experts have helped arrange over 800,000 policies, making the process simple and transparent.

A walkthrough of online tools and the data you'll need to get rapid estimates

Gone are the days of lengthy phone calls and endless paperwork just to get a ballpark figure for private health cover. Thanks to modern technology, getting a private medical insurance quote online is faster and more straightforward than ever before. Most leading insurers and expert brokers, like WeCovr, have developed sophisticated online tools that can generate personalised estimates in about a minute.

These tools work by asking you for a few key pieces of information to calculate an initial price. Think of it as a smart calculator designed specifically for health insurance. It takes your personal details and desired cover level to instantly compare options from a range of providers.

This guide will walk you through exactly what information you'll need, how to use these tools effectively, and what your rapid quote actually means. With this knowledge, you'll be empowered to make a confident and informed decision about your health.

What Information Do You Need to Get a PMI Quote?

To get an accurate estimate in 60 seconds, you'll need a handful of details ready. Insurers use this data to assess the potential risk and calculate your premium. The good news is, it's all information you'll know off the top of your head.

Here's the essential data you'll need to hand:

  1. Personal Details:

    • Your Date of Birth: Age is the single most significant factor in determining your premium. As we get older, the statistical likelihood of needing medical treatment increases, so premiums rise accordingly.
    • Your Postcode: Where you live in the UK matters. Medical treatment costs vary by region, with hospitals in major cities like London and Manchester typically being more expensive than those in more rural areas. This is reflected in your premium.
    • Your Smoking Status: You'll be asked if you've used tobacco or nicotine products (including vaping) within the last 12 months. Smokers are at a higher risk of various health conditions, so they usually pay more for cover.

  2. Who You Want to Cover:

    • Individual: Just for you.
    • Couple: For you and your partner.
    • Family: For you, your partner, and your children. Some insurers have limits on the age of children covered on a family policy, often up to 21 or 24 if they are in full-time education.

  3. A General Idea of Your Medical History: The online quote tool won't ask for your entire medical record. Instead, it will base its initial quote on one of two types of "underwriting" – the process an insurer uses to assess your medical history.

    • Moratorium Underwriting: This is the most common type for quick online quotes. You don't declare your medical history upfront. Instead, the policy automatically excludes treatment for any pre-existing conditions you've had in the last five years. These exclusions can be lifted if you remain symptom-free and don't need treatment for that condition for a continuous two-year period after your policy starts.
    • Full Medical Underwriting (FMU): This involves completing a detailed health questionnaire. It takes longer than 60 seconds but provides certainty from day one about what is and isn't covered.

For a rapid online quote, the system will almost always assume Moratorium underwriting.

Crucial Point: Standard private medical insurance in the UK is for acute conditions (like hernias or cataracts) that arise after you take out the policy. It is not designed to cover pre-existing conditions or chronic conditions like diabetes or asthma that require ongoing management.

Step-by-Step Guide: Using an Online Quote Tool

Let's walk through the simple process of generating your 60-second quote. The journey is designed to be intuitive, guiding you from basic details to a set of personalised prices.

Step 1: Choose Your Tool – Broker vs. Direct Insurer

You have two main paths: go directly to an insurer's website (like Bupa or Aviva) or use an independent PMI broker like WeCovr.

  • Direct to Insurer: You'll only see their products and prices. It's like visiting a single supermarket – you only see what's on their shelves.
  • Independent Broker: A broker provides a whole-of-market comparison. Their online tools pull prices from multiple leading UK insurers, giving you a comprehensive view of your options in one place. Crucially, a broker's service is provided at no extra cost to you.

Using a broker is almost always the more efficient choice, as it saves you from repeating the quote process on multiple websites and gives you access to impartial advice.

Step 2: Enter Your Personal Information

This is the "60-second" part. You'll be prompted to enter the core details we discussed above:

  • Name(s) and Date(s) of Birth
  • Postcode
  • Smoking Status

Step 3: Select Your Core Cover

All PMI policies are built on a foundation of "core cover". This typically includes:

  • In-patient treatment: Covers costs when you are admitted to a hospital bed for surgery or tests.
  • Day-patient treatment: Covers procedures where you are admitted to hospital but don't need to stay overnight.
  • Cancer Cover: This is a vital part of modern PMI. Most policies offer extensive cancer cover as standard, including access to specialist drugs and therapies that may not be available on the NHS.

Most online tools will start with this core cover as the default.

Step 4: Customise Your Policy with Add-ons

Here's where you can tailor the policy to your specific needs and budget. Common optional extras include:

Add-onWhat It CoversWho Is It For?
Out-patient CoverConsultations with specialists, diagnostic tests (like MRI/CT scans), and other procedures that don't require a hospital bed.Almost everyone. Without it, you would need to rely on the NHS for diagnosis before being referred for private treatment.
Mental Health CoverAccess to psychiatrists, psychologists, and therapists for conditions like anxiety and depression.Anyone prioritising mental wellbeing and wanting fast access to support.
Therapies CoverPhysiotherapy, osteopathy, chiropractic treatment, and sometimes acupuncture.People with active lifestyles, those in manual jobs, or anyone prone to musculoskeletal issues.
Dental & OpticalRoutine check-ups, emergency dental work, and contributions towards glasses or contact lenses.Those looking for a comprehensive health plan that covers everyday health maintenance.

Adding these options will increase your premium, but they provide much more comprehensive protection.

Step 5: Adjust Your Excess and Hospital List

These two levers have a major impact on your final price:

  • Excess: This is the amount you agree to pay towards the cost of a claim each policy year. For example, if you have a £250 excess and your treatment costs £3,000, you pay the first £250 and the insurer pays the remaining £2,750. Choosing a higher excess (e.g., £500 or £1,000) will significantly lower your monthly premium.
  • Hospital List: Insurers have different tiers of hospital networks. A comprehensive list including premium central London hospitals will be the most expensive. Opting for a more limited list that excludes these high-cost facilities can be a great way to save money, especially if you don't live near London.

Step 6: Review Your Instant Estimates

After completing these steps, the tool will present you with a list of quotes from various insurers. You'll see the monthly premium alongside a summary of the cover you've selected. This is your 60-second quote – a fantastic starting point for choosing your policy.

Decoding Your Private Health Insurance Quote: What Do the Numbers Mean?

Your initial quote screen will be packed with information. Understanding what each element means is key to comparing your options fairly. Here’s a breakdown of what to look for.

  • Premium: The most prominent figure, shown as a monthly or annual cost. This is the amount you'll pay for the cover you've selected.
  • Insurer: The company providing the policy (e.g., Aviva, AXA Health, Bupa, Vitality).
  • Underwriting Type: It will likely state "Moratorium," as this is the basis for quick online quotes.
  • Excess Level: The excess you selected (e.g., £250). Check this is the same across all quotes you're comparing.
  • Out-patient Limit: If you added out-patient cover, it will show the limit, which could range from £500 to "unlimited."
  • Hospital Network: The name of the hospital list you've chosen.

Let's look at an example comparison for a 40-year-old non-smoker in Manchester:

FeatureQuote A (Standard)Quote B (Comprehensive)
InsurerProvider XProvider Y
Monthly Premium£45£70
Core CoverFull In-patient & Cancer CoverFull In-patient & Cancer Cover
Out-patient Cover£1,000 LimitUnlimited
Therapies CoverNot IncludedIncluded
Excess£500£250
Hospital ListStandard NationwideExtended Nationwide

As you can see, Quote B is more expensive, but it offers more comprehensive cover with a lower excess. This is the trade-off you need to consider. The "best" policy isn't just the cheapest; it's the one that provides the right level of protection for your peace of mind and budget.

The "60-Second" Quote: A Realistic Expectation

It's important to understand that a 60-second quote is a highly accurate estimate, not a final, binding offer. It's calculated based on the standard risk profile for someone of your age and location, with the cover options you've selected.

The final premium is confirmed after you've completed a full application. For Moratorium underwriting, this is usually a quick process. For Full Medical Underwriting, the insurer will review your health declaration before providing a final price and confirming any specific exclusions.

Think of the 60-second quote as the start of the conversation. It gives you an excellent, data-driven foundation to discuss with an expert advisor. A broker at WeCovr can take your initial quotes and help you:

  • Fine-tune the cover to better suit your needs.
  • Explain the subtle but important differences between insurers' policies.
  • Advise on whether Moratorium or Full Medical Underwriting is the right choice for you.

Factors That Significantly Impact Your PMI Premium

Several variables come together to determine the price of your private medical insurance UK policy. Understanding them helps you see why your quote is what it is, and how you might be able to adjust it.

FactorImpact on PremiumWhy?
AgeHighThe older you are, the higher the statistical likelihood of needing to make a claim. This is the most significant pricing factor.
LocationMedium-HighHospital and specialist fees vary across the UK. Costs are highest in Central London and other major urban centres.
Level of CoverHighThe more comprehensive your policy (e.g., unlimited out-patient, mental health, dental), the higher the cost.
ExcessHighA higher excess means you take on more of the initial cost of a claim, reducing the insurer's risk and therefore your premium.
Hospital ListMediumA policy with access to a limited local network of hospitals will be cheaper than one with a comprehensive nationwide list.
Medical HistoryMediumWhile pre-existing conditions aren't covered, a history of serious illness can influence an insurer's decision to offer cover, especially on an FMU basis. Lifestyle factors like smoking also increase premiums.

According to NHS England data from mid-2025, the median waiting time for elective treatment remains a significant concern for many, driving interest in the speed and choice offered by the private sector. This context makes understanding PMI pricing more relevant than ever.

The Critical Distinction: Acute vs. Chronic Conditions

This is perhaps the most important concept to grasp in UK private medical insurance. PMI is not a replacement for the NHS; it's a supplement designed to work alongside it.

  • An Acute Condition is a disease, illness, or injury that is likely to respond quickly to treatment and from which you are expected to return to your previous state of health. Examples include cataracts, joint replacements (hip, knee), hernias, and appendicitis. PMI is designed to cover these.

  • A Chronic Condition is a disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, it is incurable, it is likely to recur, or it requires palliative care. Examples include diabetes, asthma, high blood pressure, and Crohn's disease. The routine management of chronic conditions is NOT covered by standard PMI.

Your private health cover is there to get you diagnosed and treated quickly for new, eligible acute conditions that arise after your policy begins. For emergencies and the management of chronic conditions, you would continue to use the excellent services of the NHS.

Why Use a PMI Broker Like WeCovr?

While you can go directly to insurers, partnering with an FCA-authorised broker like WeCovr offers distinct advantages, especially when navigating the private health cover market for the first time.

  1. Whole-of-Market View: We aren't tied to one insurer. We compare policies and prices from across the market, including major names like Aviva, Bupa, AXA, and Vitality, ensuring you see the full range of options available.

  2. Expert, Unbiased Advice: Our advisors are specialists in private medical insurance. We can demystify the jargon, explain the nuances between policies, and help you find the cover that genuinely matches your needs and budget, not just the one with the cleverest marketing.

  3. There's No Cost to You: Our service is completely free for our clients. We receive a commission from the insurer you choose, and this does not affect the price you pay. You get expert advice and market comparison without it costing you a penny extra.

  4. Exclusive Benefits: At WeCovr, we believe in adding value. When you arrange your PMI policy through us, you get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to support your health goals. We also offer discounts on other insurance products, like life or income protection, when you become a client.

  5. High Customer Satisfaction: Our focus is on providing clear, helpful, and friendly advice, which is why we consistently receive high ratings from our customers for our service.

Beyond the Quote: A Holistic Approach to Your Health

Securing a PMI quote is a proactive step towards managing your health, but it's part of a bigger picture. Many insurers now actively reward members for living a healthy lifestyle, offering discounts on gym memberships, fitness trackers, and healthy food.

Taking small, consistent steps can have a huge impact on your long-term wellbeing.

  • Balanced Diet: The NHS Eatwell Guide provides a great framework. Aim for at least five portions of fruit and vegetables a day, choose wholegrain carbohydrates, and stay hydrated. Using a tool like WeCovr's CalorieHero app can make tracking your nutrition simple and insightful.
  • Regular Activity: The UK Chief Medical Officers' guidelines recommend adults get at least 150 minutes of moderate-intensity activity (like a brisk walk or cycling) or 75 minutes of vigorous-intensity activity (like running or swimming) a week.
  • Quality Sleep: Most adults need 7-9 hours of sleep per night. It's vital for your immune system, mental clarity, and physical recovery. Creating a relaxing bedtime routine can significantly improve sleep quality.
  • Mental Wellbeing: Taking time for mindfulness, staying connected with friends and family, and getting out in nature are all proven ways to support your mental health. If you're struggling, remember that a PMI policy with a mental health add-on can provide rapid access to professional support.

A private health cover policy is a powerful tool for when things go wrong, but investing in your daily habits is the best way to stay well.

What's the difference between Moratorium and Full Medical Underwriting?

Moratorium (Mori) underwriting is the quickest method. You don't disclose your medical history upfront, but any condition you've had symptoms, treatment, or advice for in the five years before your policy starts is automatically excluded. This exclusion can be lifted if you go two continuous years on the policy without any issues relating to that condition. Full Medical Underwriting (FMU) requires you to complete a health questionnaire. It takes longer, but you get total clarity from day one on what is and isn't covered.

Will my private medical insurance premium go up every year?

Generally, yes. Premiums tend to increase at renewal for two main reasons. Firstly, as you get older, you move into a higher age bracket, which increases the statistical risk. Secondly, 'medical inflation' – the rising cost of medical treatments, drugs, and technologies – means the potential cost of claims goes up each year for the insurer. However, you can review your policy annually with a broker to ensure it still offers the best value.

Can I get a private health insurance quote if I have a pre-existing condition?

Yes, you can absolutely get a quote. However, standard private medical insurance in the UK does not cover pre-existing or chronic conditions. When you get a quote, the system will assume that treatment for these conditions will be excluded from your cover, at least initially. If you opt for Moratorium underwriting, it may be possible to have a pre-existing condition covered later if you remain symptom-free for two years after your policy starts.

Is it cheaper to go direct to an insurer than use a PMI broker?

No. The price you pay is the same whether you go direct or use an expert broker like WeCovr. Brokers are paid a commission by the insurer, which is not added to your premium. By using a broker, you get the same price (or sometimes even a better one) plus the invaluable benefit of impartial, whole-of-market advice to help you find the very best policy for your circumstances.

Ready to see how affordable peace of mind can be? Get your free, no-obligation private medical insurance quote in just 60 seconds. Use WeCovr's simple online tool or speak to one of our friendly, FCA-authorised advisors today to compare the UK's leading insurers and find the perfect cover for you.

Get A Free Quote

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:

Our Group Is Proud To Have Issued 800,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

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.

Learn more

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2025 WeCovr. Made with in London