TL;DR
Navigating the UK’s healthcare landscape can feel complex, especially when seeking private medical insurance (PMI). At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we provide expert guidance to help you find the right private health cover in the UK, even in non-standard situations. Steps for expats, new arrivals or returning citizens Welcome to the UK!
Key takeaways
- You have just moved to the UK and haven't had a chance to register with a local doctor.
- You are a British citizen who has been living overseas for an extended period, causing your previous NHS registration to lapse.
- You are in the UK on a temporary basis and are unsure of your entitlement or the process.
- Full Medical Underwriting (FMU): You complete a detailed health questionnaire, disclosing your full medical history. The insurer may then contact your GP (with your permission) to get more information. This process can lead to specific exclusions on your policy but provides absolute clarity on what is and isn't covered from day one. Without a GP, FMU is very difficult to complete.
- Moratorium Underwriting: You do not need to provide your full medical history upfront. Instead, the insurer applies a general rule: they will not cover treatment for any medical condition you've had symptoms, medication, or advice for in a set period (usually the five years) before the policy started. This is the most common route for those without an immediate GP record.
Navigating the UK’s healthcare landscape can feel complex, especially when seeking private medical insurance (PMI). At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we provide expert guidance to help you find the right private health cover in the UK, even in non-standard situations.
Steps for expats, new arrivals or returning citizens
Welcome to the UK! Whether you're an expat starting a new chapter, a citizen returning home after years abroad, or a new arrival on a work visa, securing your health and wellbeing is a top priority. A common hurdle many face is arranging private medical insurance without an active NHS GP registration.
You might find yourself in this situation if:
- You have just moved to the UK and haven't had a chance to register with a local doctor.
- You are a British citizen who has been living overseas for an extended period, causing your previous NHS registration to lapse.
- You are in the UK on a temporary basis and are unsure of your entitlement or the process.
The good news is that not having a GP on day one doesn't automatically disqualify you from getting a PMI policy. However, it does require a specific approach. This guide will walk you through the process step-by-step, explaining your options and helping you make an informed decision.
Understanding the Link Between NHS GP Registration and PMI
Private medical insurance providers in the UK typically ask for your GP's details for one primary reason: to verify your medical history. This process is part of what's known as underwriting.
Underwriting is how an insurer assesses your health and risk level before offering you a policy. It helps them decide what they can cover and at what price. Your GP records provide a comprehensive, independent history of past consultations, diagnoses, and treatments.
There are two main types of underwriting in the UK:
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Full Medical Underwriting (FMU): You complete a detailed health questionnaire, disclosing your full medical history. The insurer may then contact your GP (with your permission) to get more information. This process can lead to specific exclusions on your policy but provides absolute clarity on what is and isn't covered from day one. Without a GP, FMU is very difficult to complete.
-
Moratorium Underwriting: You do not need to provide your full medical history upfront. Instead, the insurer applies a general rule: they will not cover treatment for any medical condition you've had symptoms, medication, or advice for in a set period (usually the five years) before the policy started. This is the most common route for those without an immediate GP record.
Because a GP registration is the standard gateway to your medical records, its absence means you'll likely be steered towards moratorium underwriting.
The Critical Distinction: Acute vs. Chronic Conditions in UK PMI
Before diving into policy options, it's vital to understand a fundamental principle of the UK PMI market. Standard private medical insurance is designed to cover acute conditions that arise after your policy begins.
| Condition Type | Description | Examples | Covered by Standard PMI? |
|---|---|---|---|
| Acute Condition | An illness, injury or disease that is short-term, responds quickly to treatment, and from which you are expected to make a full recovery. | Appendicitis, broken bones, hernias, cataracts, joint replacement. | Yes, if the condition is new and arises after the policy starts. |
| Pre-existing Condition | Any ailment for which you have had symptoms, medication, advice or treatment before your policy start date. | A knee injury from two years ago, occasional migraines you've had for years. | No, not by standard policies. |
| Chronic Condition | A long-term condition that cannot be cured but can be managed with ongoing care, medication, or check-ups. | Diabetes, asthma, high blood pressure, arthritis, Crohn's disease. | No, standard PMI does not cover the management of chronic conditions. |
This is the most important takeaway: PMI is not a replacement for the NHS. It is a complementary service designed to give you faster access to eligible treatment for new, curable conditions. The day-to-day management of long-term and pre-existing illnesses will remain under the care of the NHS.
Your Options for Getting PMI Without a GP Registration
If you don't have an NHS GP registration, you have three main pathways to securing private health cover.
Option 1: Choose a Moratorium Underwriting Policy
This is the most direct and popular option for individuals without a UK medical history.
How it works:
- No lengthy forms: You won't fill out a detailed medical questionnaire.
- The "waiting period" rule: The policy will automatically exclude any condition you've experienced in the 5 years before joining.
- Earning back cover: If you then go for a continuous 2-year period after your policy starts without needing treatment, advice, or having symptoms of that previous condition, it may become eligible for cover.
Example: Let's say you had occasional shoulder pain three years before buying your policy. For the first two years of your cover, any treatment related to your shoulder would be excluded. However, if you have no shoulder symptoms or consultations for two full years, your insurer may cover a new shoulder issue in year three.
This approach offers speed and simplicity, getting you covered quickly without the need for GP records.
| Feature | Moratorium Underwriting | Full Medical Underwriting (FMU) |
|---|---|---|
| Upfront Process | Quick and simple. No medical questionnaire. | Slower. Requires a detailed health questionnaire. |
| GP Records Needed? | No, not typically required at application. | Yes, insurer may contact your GP. |
| Clarity on Cover | Less clarity upfront. Claims are assessed at the point of need. | Full clarity from day one. Exclusions are listed on your policy documents. |
| Best For | Expats, new arrivals, those without a GP, or people who want a quick start. | Individuals with a clear medical history who want certainty on cover. |
Option 2: Consider International Health Insurance
For some expats, particularly those who travel frequently or are on specific short-term assignments, an international health insurance plan might be a better fit.
These plans are distinct from standard UK PMI:
- Global Coverage: They are designed to cover you in multiple countries, not just the UK.
- More Comprehensive: They often include benefits not standard in UK PMI, such as routine dental, wellness checks, and sometimes maternity care.
- Underwriting for Pre-existing Conditions: Unlike UK PMI, many international plans will offer to cover pre-existing conditions, usually in exchange for a higher premium (a "surcharge").
- Higher Cost: This comprehensive cover comes at a significantly higher price than domestic PMI.
An international plan can be an excellent stop-gap, providing you with robust cover while you get settled and decide on your long-term healthcare strategy in the UK.
Option 3: Register with an NHS GP First (The Recommended Long-Term Path)
While you can get PMI without a GP, the simplest long-term solution is to register with one as soon as you're settled. It opens up all underwriting options and fully integrates you into the UK healthcare system.
How to Register with an NHS GP:
- Find a Local Surgery: Use the official NHS website to search for GP surgeries in your postcode.
- Check for New Patients: The website will indicate if they are accepting new patients. Most are, but some in high-density areas may have temporary freezes.
- Complete the GMS1 Form: This is the standard registration form. You can usually download it from the surgery's website or pick one up in person.
- Provide Documentation: While you cannot be refused registration for not having a passport or proof of address, providing them makes the process smoother. Accepted documents include:
- Proof of ID: Passport, driving licence.
- Proof of Address: A recent utility bill, council tax statement, or bank statement.
- Await Confirmation: The surgery will process your application and send you a letter confirming your registration and your NHS number.
According to NHS England, anyone who is 'ordinarily resident' in the UK is entitled to register with a GP. This means you are living in the UK on a "lawful and properly settled basis for the time being." If you have a visa to live or work in the UK, you meet this requirement.
Once registered, you can apply for any PMI policy, including those with Full Medical Underwriting, giving you the widest possible choice.
How a Specialist PMI Broker Like WeCovr Can Help
Trying to find the right insurer and policy on your own can be daunting, especially with the added complication of having no GP. This is where an expert PMI broker is invaluable.
As a specialist broker, WeCovr understands the distinct application criteria of every major UK health insurer.
- Expert Navigation: We know which providers have the most flexible approach for expats and new arrivals. We can instantly identify the best moratorium policies for your situation.
- Market Comparison: We compare the whole market for you, ensuring you get the right level of cover at a competitive price, saving you hours of research.
- No Cost to You: Our expert advice and comparison service is completely free for you. We are paid a commission by the insurer you choose, which does not affect the price you pay.
- High Customer Satisfaction: Our clients consistently rate our service highly for its clarity, efficiency, and friendly support.
By working with WeCovr, you get a trusted partner to handle the complexities, allowing you to focus on settling into your new life in the UK.
Furthermore, WeCovr clients gain complimentary access to our AI-powered nutrition app, CalorieHero, to help you stay on top of your wellness goals. Purchasing a PMI or Life Insurance policy through us can also unlock discounts on other types of cover, providing even greater value.
A Real-Life Example: Carlos, the Tech Professional
Carlos moved from Brazil to London for a job in the tech industry. His visa included the Immigration Health Surcharge, giving him NHS access, but he wanted PMI for faster access to specialists. He hadn't registered with a GP yet and found the PMI application process confusing.
He contacted WeCovr. His dedicated advisor explained that a moratorium policy would be the quickest way to get cover. They compared three leading insurers, highlighting the differences in their cancer care pathways and outpatient limits.
Carlos chose a policy with Aviva and was covered within 48 hours. In parallel, his WeCovr advisor sent him a guide on how to register with a local GP in his new neighbourhood, which he completed the following week. He had peace of mind from day one, with expert support to guide him.
Navigating the UK Healthcare System as a Newcomer
Getting your head around UK healthcare involves more than just insurance. Here are some key points and wellness tips to help you get settled.
Entitlement to NHS Care
If you are moving to the UK to live and work, you are considered 'ordinarily resident' and are entitled to free NHS hospital treatment, just like any other resident.
For those on visas, you have likely already paid the Immigration Health Surcharge (IHS) as part of your application. The UK government confirms that paying this surcharge gives you access to the NHS on the same basis as a UK resident. It is a mandatory fee for most visa applicants coming to stay in the UK for more than 6 months.
Wellness Tips for a Smooth Transition
Moving country is exciting but can also be stressful. Prioritising your health from the start is key.
- Diet: The UK has a diverse food scene. Explore local farmers' markets for fresh produce. While enjoying British classics, maintain a balanced diet rich in fruits and vegetables. Planning meals can help you avoid relying on takeaways during the busy settling-in period.
- Sleep: Jet lag and the stress of a move can disrupt your sleep. Try to establish a regular sleep schedule. Avoid caffeine and heavy meals late at night, and create a restful bedroom environment.
- Activity: Regular physical activity is a powerful stress-buster. The UK has an extensive network of public footpaths, parks, and leisure centres. A 2023 report from the Office for National Statistics (ONS) highlighted that access to green space is strongly linked to higher life satisfaction and feelings of wellbeing. Find a local walking group, parkrun, or gym to stay active and meet new people.
- Mental Health: Be kind to yourself. It's normal to feel overwhelmed. Stay connected with friends and family back home, but also make an effort to build a new support network. The NHS offers talking therapies (IAPT services) that you can often self-refer to once you have a GP.
Overview of Major UK PMI Providers' General Approach
While policies are always subject to change, this table gives a general idea of how major providers approach applications. An expert broker like WeCovr will have the most up-to-date information.
| Provider | General Approach for No-GP Applicants | A Key Feature |
|---|---|---|
| Bupa | Moratorium underwriting is a standard and straightforward option. | Extensive network of hospitals and consultant partnerships. |
| AXA Health | Readily offer moratorium policies. Known for their strong digital tools. | Excellent online member portal and virtual GP services (add-on). |
| Aviva | Moratorium is a common route. Often praised for clear policy wording. | "Expert Select" guided consultant pathway can help reduce costs. |
| Vitality | Moratorium available. Unique approach linking premiums to healthy living. | Rewards programme offers discounts for gym membership, smartwatches, and healthy food. |
| WPA | Specialist insurer with a strong focus on customer service. Moratorium is available. | Operate on a not-for-profit basis, with a reputation for fair claims handling. |
Can I get private medical insurance UK if I'm not a UK resident?
Do I need to declare my entire medical history for a moratorium policy?
Will my PMI policy cover me for routine GP visits?
What happens if I need treatment for a pre-existing or chronic condition?
Take the Next Step with Confidence
Securing the right private health cover is a crucial step in building your new life in the UK. While not having a GP registration adds a layer of complexity, it is a challenge that can be easily overcome with the right strategy and expert guidance.
By understanding your options—from moratorium underwriting to the simple process of registering with an NHS GP—you can get the peace of mind you need.
Contact WeCovr today for a free, no-obligation quote. Our friendly, expert team will compare the market for you and find the best private medical insurance solution for your unique circumstances, ensuring you are protected from day one.
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.
