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How to Read and Compare PMI Policy Documents

How to Read and Compare PMI Policy Documents 2025

A guide to understanding terms, jargon, and exclusions in UK health insurance

Navigating the world of private medical insurance (PMI) in the UK can feel like learning a new language. At WeCovr, an FCA-authorised broker that has helped arrange over 800,000 policies, we believe everyone deserves to understand exactly what they're buying. This guide will demystify policy documents, turning complexity into clarity.

Private health cover is a significant investment in your wellbeing. Yet, the true value of a policy is only revealed when you understand its details—the terms, the benefits, and, most importantly, the exclusions. A policy document is more than just paperwork; it's a contract that defines your access to private healthcare. Getting it wrong can lead to unexpected bills and disappointment when you need support the most.

With NHS waiting lists for consultant-led elective care in England hovering around 7.5 million in late 2024, more people are turning to private options. Understanding your policy is the first step to ensuring you get the fast, high-quality care you're paying for.

The Anatomy of a PMI Policy Document: Key Sections Explained

When your policy documents arrive, they can seem intimidating. They are typically made up of several key parts. Here’s how to break them down and what to look for in each.

1. The Insurance Product Information Document (IPID)

This is your essential starting point. The IPID is a standardised, plain-English summary of the policy, usually just two or three pages long. Mandated by regulators, its purpose is to give you a clear, at-a-glance overview.

What to check on the IPID:

  • What is this type of insurance? Confirms it's a private medical insurance policy.
  • What is insured? A high-level list of key benefits, such as in-patient treatment, out-patient consultations, and cancer cover.
  • What is NOT insured? A crucial section highlighting major exclusions, like pre-existing and chronic conditions.
  • Are there any restrictions on cover? Mentions things like financial limits, excess, and hospital list restrictions.
  • Where am I covered? Specifies the geographical limits (usually the UK).
  • What are my obligations? Details your duty to provide accurate information and report claims promptly.
  • When and how do I pay? Outlines your premium payment schedule.
  • When does cover start and end? Your policy's effective dates.
  • How do I cancel the contract? Explains the 14-day cooling-off period and cancellation process.

Think of the IPID as the "blurb" on the back of a book. It gives you the main plot points but not the full story.

2. Your Policy Schedule or Certificate of Insurance

This document personalises the policy to you. It confirms the specific choices you have made and links them to the main policy wording.

Key information on the Policy Schedule:

  • Policyholder Details: Your name, address, and date of birth.
  • Cover Level: The name of your chosen plan (e.g., "Comprehensive," "Level 2").
  • Underwriting Type: States whether you are on a 'Moratorium' or 'Full Medical Underwriting' basis. This is critically important and we'll explore it later.
  • Policy Start Date: The date your cover begins.
  • Excess Level: The amount you've agreed to pay towards a claim (e.g., £250).
  • Chosen Options: Lists any add-ons you've selected, such as dental, optical, or mental health cover.
  • Special Conditions or Exclusions: Any personal exclusions applied to your policy will be listed here, especially under Full Medical Underwriting.

3. The Main Policy Wording

This is the detailed rulebook—the "terms and conditions" of your health insurance. While dense, it's vital to know where to find information within it. It contains comprehensive definitions and explanations for everything mentioned in the IPID and Schedule.

Use the table of contents to navigate to sections you're particularly interested in, such as:

  • Definitions of key terms (e.g., 'acute condition', 'specialist').
  • Full explanation of benefits (what is covered and up to what financial limit).
  • The complete list of general exclusions.
  • The claims process in detail.
  • Your No Claims Discount (NCD) structure.

4. The Hospital List

Nearly all UK PMI providers use a tiered hospital list. This list dictates which private hospitals and facilities you can use for treatment. Using a hospital outside your chosen list may result in you not being covered or having to pay a shortfall.

Common Hospital List Tiers:

  • Local / Limited: A smaller, curated list of hospitals, often excluding prime central London locations. This is a cheaper option.
  • Nationwide: A comprehensive list of private hospitals across the UK, sometimes excluding the most expensive central London ones.
  • London Upgrade: Includes the premier private hospitals in central London (e.g., The Lister, The London Clinic), which have higher running costs. This is the most expensive option.

When comparing policies, always check that your preferred local private hospital is on the list you choose. An expert PMI broker can help you check this quickly.

Demystifying Common PMI Jargon and Terminology

Health insurance is full of industry-specific terms. Understanding them is the key to unlocking your policy document.

TermPlain English ExplanationReal-Life Example
Acute ConditionA disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. This is what PMI is designed to cover.A broken bone, appendicitis, cataracts, a hernia, or a joint replacement.
Chronic ConditionAn illness that is long-lasting, has no known cure, and needs ongoing management. Standard PMI does not cover chronic conditions.Diabetes, asthma, high blood pressure, Crohn's disease, or rheumatoid arthritis.
UnderwritingThe process the insurer uses to assess your medical history and decide what they will and will not cover.See detailed explanation below.
MoratoriumThe most common type of underwriting. It automatically excludes any condition you've had symptoms, advice or treatment for in the 5 years before joining. Cover for that condition may be added later if you complete a 2-year period without any issues.You had knee pain 3 years ago. Your new policy won't cover knee problems for the first 2 years. If your knees are trouble-free for those 2 years, the exclusion is lifted.
Full Medical Underwriting (FMU)You complete a detailed health questionnaire. The insurer reviews your medical history and may apply permanent exclusions for specific conditions. It provides certainty from day one.You declare a history of migraines on your form. The insurer may add a permanent exclusion for "investigation and treatment of headaches and migraines."
Excess (or Deductible)A fixed amount you agree to pay towards the cost of your claim each policy year. A higher excess reduces your premium.Your excess is £250. Your knee surgery costs £6,000. You pay the first £250, and the insurer pays the remaining £5,750.
In-patientTreatment that requires you to be admitted to a hospital bed overnight.Recovering in hospital for two nights after a hip replacement.
Day-patientTreatment that requires a hospital bed for the day but you do not stay overnight.A colonoscopy or cataract surgery where you are admitted and discharged the same day.
Out-patientConsultations, tests, or diagnostics that do not require a hospital bed.Seeing a specialist for an initial consultation, followed by an MRI scan and physiotherapy sessions.
Benefit LimitThe maximum amount the insurer will pay for a specific type of treatment or across the whole policy year.Your policy might have a £1,000 limit for out-patient diagnostics, or an overall annual limit of £1 million.
Pre-authorisationThe process of getting your insurer's approval for treatment before it takes place. This is a mandatory step for almost all planned procedures.Your GP refers you to a specialist. The specialist recommends surgery. You call your insurer with the details and the procedure code to get it approved.
No Claims Discount (NCD)A discount on your premium that increases each year you don't make a claim, up to a maximum level. Making a claim will usually reduce your NCD.You start with a 0% NCD. After one year with no claims, you might get a 10% discount. If you then claim, your NCD might drop back to 0%.
Guided Consultant ListSome insurers offer a "guided" option where they give you a small panel of 3-5 pre-approved specialists to choose from for your condition. This usually results in a lower premium.You need to see a cardiologist. Instead of choosing any cardiologist, your insurer provides a list of three they recommend in your area.

The Big Three: Pre-existing Conditions, Chronic Conditions, and General Exclusions

This is the most misunderstood area of private medical insurance in the UK. Getting this right is fundamental to having a good experience with your provider.

Critical Rule #1: PMI Does Not Cover Pre-existing Conditions

A pre-existing condition is anything you have had symptoms, medication, advice, or treatment for in a set period (usually 5 years) before your policy starts.

With Moratorium Underwriting, these are automatically excluded for the first 2 years of your policy. This is often called the "2-5-2 rule":

  1. The insurer looks back 5 years for pre-existing conditions.
  2. Those conditions are excluded for the first 2 years of the policy.
  3. If you go 2 continuous years on the policy without any symptoms, treatment, or advice for that specific condition, the insurer may cover it in the future.

With Full Medical Underwriting (FMU), you declare your history upfront. The insurer then decides whether to:

  • Cover the condition.
  • Apply a permanent exclusion for the condition.
  • Charge a higher premium to cover it (this is rare).

Critical Rule #2: PMI is for Acute, Not Chronic, Conditions

Private health cover is designed to return you to your previous state of health. It is not designed for the long-term management of incurable conditions.

While the initial diagnosis of a chronic condition might be covered (e.g., tests to determine you have diabetes), the ongoing management (e.g., insulin, check-ups, monitoring) will not be. This care remains with the NHS.

Commonly Excluded Chronic Conditions:

  • Diabetes
  • Hypertension (High Blood Pressure)
  • Asthma
  • Multiple Sclerosis
  • Crohn's Disease
  • Ulcerative Colitis
  • Rheumatoid Arthritis
  • Lupus

Critical Rule #3: Understand the General Exclusions

Every policy has a list of treatments and circumstances that are never covered. These are usually consistent across the market.

Standard PMI General Exclusions Table

Exclusion CategoryWhat It Typically Means
EmergenciesA&E visits, ambulance services, and any treatment needed for a medical emergency. You should always call 999 or go to A&E in an emergency. PMI is for planned, non-emergency care.
Normal Pregnancy & ChildbirthRoutine antenatal care, delivery, and postnatal check-ups are not covered. However, complications of pregnancy may be covered by some comprehensive policies.
Cosmetic SurgeryProcedures for purely aesthetic reasons (e.g., a nose job, breast augmentation). Reconstructive surgery after an accident or for cancer treatment is often covered.
Substance AbuseTreatment for addiction to alcohol, drugs, or other substances.
Self-inflicted InjuriesAny injury resulting from deliberate self-harm.
Experimental TreatmentDrugs or procedures that are not approved by the National Institute for Health and Care Excellence (NICE).
Professional Sports InjuriesInjuries sustained while playing a sport for which you are paid.
Mobility AidsItems like wheelchairs, walking sticks, or hearing aids.

How to Compare Private Medical Insurance UK Policies Like an Expert

Comparing policies can be overwhelming. Using a structured approach helps you focus on what matters. Working with an independent PMI broker like WeCovr makes this process simple, as we do the heavy lifting for you at no cost.

Step 1: Define Your Priorities

What is most important to you?

  • Must-haves: e.g., Full cancer cover, good mental health support, access to a specific local hospital.
  • Nice-to-haves: e.g., Dental and optical cover, worldwide travel cover.

Step 2: Compare Core Cover and Out-patient Limits

The core of every policy is in-patient and day-patient cover. This is usually unlimited. The main differentiator in basic policies is the out-patient limit.

  • Basic policies: May have a very low out-patient limit (e.g., £0 or £500) or only cover it after a diagnosis.
  • Mid-range policies: Often offer £1,000 - £1,500 for out-patient consultations and tests.
  • Comprehensive policies: Will typically offer full cover for out-patient care.

Step 3: Scrutinise the Cancer Cover

This is one of the most valuable parts of any PMI policy. Cover varies significantly.

Typical Levels of Cancer Cover

FeatureBasic Cancer CoverMid-Range Cancer CoverComprehensive Cancer Cover
DiagnosisYesYesYes
SurgeryYesYesYes
RadiotherapyYesYesYes
ChemotherapyYes, but may have financial or time limits. May only cover drugs on a standard list.Yes, usually with higher limits.Yes, often unlimited. Includes access to some drugs not yet available on the NHS.
Targeted TherapiesLimited or not covered.Often included, subject to limits.Extensive cover, a key benefit.
Palliative CareLimitedYes, often with financial limits.Yes, often with higher limits.
Follow-up ConsultationsLimitedYesYes

Step 4: Check Optional Add-ons

Consider if you need extra protection for:

  • Mental Health: Standard cover is often limited to a few therapy sessions. Enhanced options provide more extensive psychiatric and therapeutic support.
  • Therapies: Cover for physiotherapy, osteopathy, and chiropractic treatment. Often limited by session numbers.
  • Dental & Optical: Provides money back towards routine check-ups, treatments, and eyewear.

Step 5: Play with the Excess

Use an online quote tool or speak to a broker to see how changing your excess affects your monthly premium. An excess of £500 can significantly reduce your premium compared to a £100 excess. Choose an amount you would be comfortable paying if you needed to claim.

Real-Life Scenarios: Putting Your Knowledge to the Test

Let's apply this knowledge to a few common situations.

Scenario 1: Sarah, 35, with old back pain. Sarah took out a PMI policy with moratorium underwriting. Four years ago, she visited her GP for back pain, which resolved after a few weeks.

  • The Problem: Her back pain is a pre-existing condition.
  • The Rule: The insurer will not cover any investigations or treatment for her back for the first two years of the policy.
  • The Outcome: In year three of her policy, she develops a new shoulder problem. This is covered. If her back remains completely symptom-free for the first two years, it may be covered from year three onwards.

Scenario 2: David, 55, needs a knee replacement. David has had comprehensive PMI for ten years. His knee has become painful due to osteoarthritis.

  1. GP Visit: His NHS GP refers him to an orthopaedic surgeon.
  2. Open Referral: David calls his insurer, WeCovr, for an open referral. They give him a choice of three approved surgeons near his home.
  3. Consultation: He sees the specialist, who confirms he needs a knee replacement and provides a procedure code.
  4. Pre-authorisation: David calls his insurer with the specialist's details and the procedure code. The insurer confirms the procedure is covered and issues an authorisation number.
  5. Treatment: David has his surgery in a private hospital and recovers in a private room. The bills are settled directly by the insurer, minus his £250 excess which he pays to the hospital.
  6. Aftercare: His policy also covers the post-op physiotherapy sessions recommended by his surgeon.

Beyond the Policy Document: Wellness and Added Value

Modern private health cover is evolving. The best PMI providers now include benefits designed to keep you healthy, not just treat you when you're ill.

Look out for value-added benefits like:

  • Digital GP: 24/7 access to a GP via phone or video call, often with the ability to issue private prescriptions.
  • Wellness Programmes: Discounts on gym memberships, fitness trackers, and health screenings.
  • Mental Health Support: Access to telephone counselling lines or mindfulness apps, even on basic policies.

When you purchase PMI or Life Insurance through WeCovr, you also get complimentary access to our cutting-edge AI calorie tracking app, CalorieHero, to support your health goals. Furthermore, our clients enjoy exclusive discounts on other types of insurance, helping you protect more for less.

Your Final Checklist Before You Buy

Before signing on the dotted line, run through this final checklist:

  1. Read the IPID thoroughly. Does it match your expectations?
  2. Confirm the underwriting basis. Do you understand the implications of Moratorium or FMU?
  3. Check the hospital list. Is your local private facility included?
  4. Verify the out-patient limit. Is it sufficient for your needs?
  5. Understand the cancer cover. Are you happy with the level of protection?
  6. Note the excess. Can you afford to pay it if you claim?
  7. Review the general exclusions. Are you aware of what is definitely not covered?
  8. Ask questions. If anything is unclear, ask your broker or insurer to explain it in simple terms.

Reading a PMI policy document doesn't have to be a chore. By breaking it down and focusing on the key areas, you can make an informed, confident choice that provides true peace of mind.

Ready to find the right private medical insurance for you? The friendly experts at WeCovr compare policies from across the UK market to find cover that fits your needs and budget.

Get your free, no-obligation PMI quote today and take control of your health.


Do I need to declare every single cold or minor illness I've ever had on a PMI application?

Generally, no. For Moratorium underwriting, you don't complete a health questionnaire, so you don't need to declare anything. The policy simply excludes conditions from the past five years automatically. For Full Medical Underwriting (FMU), you must be honest on the health form, but insurers are typically concerned with more significant conditions, consultations, and ongoing issues, not minor, temporary illnesses like a common cold or flu.

Can my PMI premium increase even if I don't make a claim?

Yes. Your premium is likely to increase at each annual renewal for two main reasons. Firstly, as you get older, the statistical risk of you needing medical treatment increases, so your age-related price rises. Secondly, 'medical inflation'—the rising cost of new drugs, technologies, and hospital charges—means the overall cost of healthcare increases each year, which is reflected in premiums for all policyholders.

What is the difference between an IPID and the full policy document?

The Insurance Product Information Document (IPID) is a short, standardised summary of the key features and exclusions of the policy, designed to be easy to read and compare. The full policy document, or policy wording, is the complete, legally-binding contract. It contains all the detailed definitions, terms, conditions, and processes that govern your cover. You should always read the IPID first, and then use the full document to clarify any specific points.

Is mental health treatment covered by a standard private medical insurance UK policy?

Standard or basic private medical insurance policies often have very limited cover for mental health. They might include access to a 24/7 stress counselling helpline or exclude it altogether. More comprehensive policies will offer a set number of out-patient therapy sessions. To get extensive cover, which includes access to psychiatrists and in-patient care, you typically need to choose a specific mental health add-on at an extra cost.
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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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