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How to Switch Private Health Insurance UK

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

Considering a change? You're not alone. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we know that switching private medical insurance in the UK can feel daunting.

Key takeaways

  • Rising Premiums: This is the number one reason. Insurers often increase premiums at renewal due to your age, medical inflation, and claims made. It's not uncommon to see a 10-20% increase year on year.
  • Better Cover or Benefits: Your needs change. You might want a policy that includes better mental health support, enhanced cancer care, or access to a wider network of hospitals.
  • Poor Customer Service: A difficult claims process or unhelpful customer support can sour your relationship with an insurer, prompting a move.
  • New 'Value-Added' Benefits: The PMI market is competitive. Insurers are constantly adding perks like gym discounts, wellness apps, and virtual GP services. Another provider might offer benefits that better suit your lifestyle.
  • Changes in Circumstances: You may have started a family and need to add your children, or perhaps your employer's scheme has changed, and you need personal cover for the first time.

Considering a change? You're not alone. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we know that switching private medical insurance in the UK can feel daunting. This expert guide will show you how to find a better deal without creating dangerous gaps in your health cover.

Avoid losing cover while moving to a new provider

Switching your Private Medical Insurance (PMI) provider can be a smart move, potentially saving you money and giving you access to better benefits. However, the biggest fear for most people is losing cover for conditions they've already had.

The good news is that it's entirely possible to switch providers and maintain your existing level of cover. The secret lies in a special type of underwriting designed specifically for switchers. By using Continued Personal Medical Exclusions (CPME) or Continued Moratorium underwriting, you can carry your medical history over to a new insurer.

This means the new provider agrees to cover you for the same conditions as your old policy, without adding new exclusions for health issues that arose while you were insured. It’s like moving house but taking your favourite, most comfortable armchair with you – you don't have to start from scratch.

The Golden Rule of Switching

Never cancel your existing policy until your new one is fully active and you have your policy documents in hand. A gap of even one day between policies could result in any health issue that arises during that time being classed as a pre-existing condition by your new insurer, meaning it wouldn't be covered.

Why Switch Your Private Health Insurance?

People's reasons for wanting to change their private health cover are as varied as the policies themselves. Understanding your motivation is the first step to finding a better fit.

Common reasons include:

  • Rising Premiums: This is the number one reason. Insurers often increase premiums at renewal due to your age, medical inflation, and claims made. It's not uncommon to see a 10-20% increase year on year.
  • Better Cover or Benefits: Your needs change. You might want a policy that includes better mental health support, enhanced cancer care, or access to a wider network of hospitals.
  • Poor Customer Service: A difficult claims process or unhelpful customer support can sour your relationship with an insurer, prompting a move.
  • New 'Value-Added' Benefits: The PMI market is competitive. Insurers are constantly adding perks like gym discounts, wellness apps, and virtual GP services. Another provider might offer benefits that better suit your lifestyle.
  • Changes in Circumstances: You may have started a family and need to add your children, or perhaps your employer's scheme has changed, and you need personal cover for the first time.

According to recent analysis of the UK health market, a significant driver for seeking private care is the strain on public services. With NHS waiting lists for routine treatments remaining a concern for millions (based on NHS England data), having a reliable PMI policy offers valuable peace of mind. Switching ensures your policy remains fit for that purpose.

Understanding Underwriting: The Key to a Smooth Switch

'Underwriting' is the process an insurer uses to assess risk and decide what they will and won't cover. When you switch, the type of underwriting you choose is the single most important decision you'll make.

Let's break down the options.

Standard Underwriting Types (for New Policies)

  1. Full Medical Underwriting (FMU): You provide a detailed medical history questionnaire. The insurer analyses it and lists specific conditions that will be excluded from your cover from day one. It's transparent but can be time-consuming.
  2. Moratorium Underwriting: This is the most common type. The insurer doesn't ask for your full medical history upfront. Instead, they generally won't cover any condition you've had symptoms of, or sought treatment for, in the 5 years before your policy started. However, if you go a continuous 2-year period after your policy begins without any issues related to that condition, it may become eligible for cover.

Special Underwriting Types (for Switching)

This is where the magic happens for switchers.

  1. Continued Personal Medical Exclusions (CPME): This is often the best option. Your new insurer essentially agrees to take on the same underwriting terms as your old policy. Any exclusions on your original policy are carried over, but crucially, no new exclusions are added for conditions that developed while you were with your previous insurer.
  2. Continued Moratorium: If your original policy was on a moratorium basis, you can continue this with a new provider. The 'clock' on your two-year waiting period for pre-existing conditions doesn't reset. For example, if you were 18 months into a 2-year period for an old knee injury, you'd only have 6 months left with the new insurer before it could be covered.

Here’s a table to make it clearer:

Underwriting TypeHow it WorksBest For...
Full Medical (FMU)You declare your full medical history. The insurer lists specific, permanent exclusions.People with no recent medical history who want absolute clarity on what's covered from the start.
MoratoriumNo medical questionnaire. Excludes conditions from the last 5 years until you go 2 years treatment-free on the new policy.People who are generally healthy and prefer a quicker application process. Not ideal for switching.
Continued Personal (CPME)Your new insurer inherits the exclusions from your old policy. No new exclusions are added for conditions you developed while covered previously.The Gold Standard for Switching. Perfect for those who have developed conditions with their current insurer.
Continued MoratoriumYour moratorium 'clock' continues from your old policy. The 2-year waiting period for conditions doesn't restart.People switching from an existing moratorium policy.

Example in Action:

Sarah has been with Insurer A for three years. In her second year, she developed sciatica and received private physiotherapy through her insurance.

  • If she switches to Insurer B on a new Moratorium policy, her sciatica will be considered a pre-existing condition and won't be covered for at least two years.
  • If she switches to Insurer B on a CPME basis, the new insurer will continue to cover her for sciatica, just as Insurer A did.

This is why working with a specialist PMI broker is so valuable. WeCovr can navigate these options and ensure you apply with the correct underwriting to protect your continuity of cover.

The Step-by-Step Guide to Switching Your PMI Provider

Follow this structured process to ensure a seamless and safe transition to your new health insurance policy.

  1. Review Your Current Policy: Before you start shopping around, understand what you currently have. Look at your policy documents and identify:

    • Your level of cover (e.g., comprehensive, intermediate).
    • Your excess (the amount you pay towards a claim).
    • Any specific exclusions.
    • Your current premium.
    • Your renewal date. The best time to start looking is 4-6 weeks before this date.

  2. Define Your Needs and Budget: What are you looking for in a new policy?

    • Must-haves: e.g., Full cancer cover, specific hospital network.
    • Nice-to-haves: e.g., Dental cover, worldwide travel option.
    • Budget: What is the maximum you are prepared to pay per month?

  3. Compare the Market (The Smart Way): You could go directly to each insurer, but this is time-consuming and you won't get an impartial view. Using an independent PMI broker like WeCovr gives you access to a wide range of policies from different insurers in one place. We do the legwork for you, comparing policies on a like-for-like basis.

  4. Get Quotes on a CPME Basis: This is vital. When you request quotes, specify that you want to switch on a "Continued Personal Medical Exclusions" basis. This signals to the insurer that you are an existing PMI customer and want to maintain your cover.

  5. Analyse the Quotes: Don't just look at the price. A cheaper policy might have a higher excess, exclude certain hospitals, or offer less comprehensive cover for conditions like cancer. A good broker will present you with a clear comparison table showing the key differences.

  6. Apply for the New Policy: Once you've chosen your preferred policy, you'll need to complete an application. The insurer will require your current policy details to arrange the CPME switch. They will contact your old insurer to confirm your claims history and underwriting terms.

  7. Receive Your Offer and Documents: The new insurer will provide you with their formal offer and policy documents. Read these carefully. Check that the underwriting is on a CPME basis and that there are no unexpected new exclusions.

  8. Confirm Your New Policy and Cancel the Old One: Only when you are 100% happy with your new policy and it is officially active should you contact your old provider to cancel. Most insurers require you to cancel in writing or over the phone. Do not simply cancel your direct debit, as this can lead to issues.

Common Pitfalls to Avoid When Switching Health Insurance

A smooth switch requires careful attention to detail. Here are some common mistakes to sidestep:

  • Cancelling Too Early: As mentioned, never cancel your old policy before the new one is live.
  • Non-Disclosure: Be completely honest about your medical history and claims. Failing to disclose information can lead to a claim being rejected or your policy being voided.
  • Misunderstanding a "New" Condition: A condition you developed under your old policy is not "new" to your medical history, but it can be covered on a CPME switch. Confusing this can lead you to choose the wrong underwriting.
  • Ignoring the Excess (illustrative): A low premium might be due to a high excess. Make sure you can comfortably afford the excess if you need to make a claim. An excess of £500 means you pay the first £500 of any claim (or per year, depending on the policy).
  • Forgetting about Your No-Claims Discount (NCD): Most insurers offer an NCD, which can significantly reduce your premium. Check if your NCD can be transferred to the new provider. Many insurers will honour or match your existing NCD level.

Will Switching Save Me Money?

Often, yes. New customers frequently get better introductory rates than loyal ones. However, the goal shouldn't just be to find the cheapest policy, but the best value policy that meets your needs.

Here’s a look at what influences the cost of private medical insurance in the UK:

FactorImpact on PremiumHow to Manage It
AgePremiums increase as you get older, as the risk of needing treatment rises.This is unavoidable, but switching can offset age-related increases.
LocationLiving in areas with higher private treatment costs (e.g., Central London) leads to higher premiums.Some insurers offer hospital lists that exclude pricey city-centre hospitals to reduce costs.
Cover LevelMore comprehensive cover (e.g., including out-patient diagnostics, therapies) costs more.Tailor your cover. If you're happy to use the NHS for diagnostics, you can opt for a more basic in-patient-only policy.
ExcessA higher excess will lower your monthly premium.Choose an excess you can comfortably afford. Increasing from £100 to £500 can lead to significant savings.
ClaimsMaking a claim will likely mean you lose some or all of your No Claims Discount, increasing your renewal premium.This is what insurance is for. Don't avoid necessary treatment to protect your NCD. A broker can help you switch even after a claim.

A specialist broker can model these options for you, showing you exactly how changing your excess or hospital list will affect your premium.

How Pre-existing and Chronic Conditions Affect Your Switch

This is the most misunderstood area of private medical insurance. Let's be crystal clear.

Private medical insurance in the UK is designed to cover acute conditions that arise after you take out your policy.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a cataract, a hernia, a broken bone).
  • A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, it has no known cure, or it is likely to recur (e.g., diabetes, asthma, arthritis, high blood pressure).

Standard PMI policies do not cover the ongoing management of chronic conditions. They may cover an acute flare-up of a chronic condition, but not the day-to-day monitoring and medication.

How does this affect switching?

  • If you have a chronic condition like diabetes, neither your old nor your new insurer will cover your regular check-ups or insulin. This is a standard market exclusion.
  • If you developed an acute condition (like a knee injury) while with your old insurer, a CPME switch is essential. It ensures the new insurer will continue to cover that knee, just as the old one would have. Without CPME, that knee injury becomes a pre-existing condition and would be excluded.

This principle is why getting expert advice is not just helpful, it's critical to protecting your health.

The Role of a Specialist PMI Broker

Navigating the complexities of CPME underwriting, policy benefits, and insurer jargon can be overwhelming. This is where an independent broker adds immense value.

Here's what an expert broker like WeCovr does for you:

  1. Saves You Time and Hassle: We do the research and paperwork. Instead of you spending hours on the phone and filling out multiple forms, we handle it all.
  2. Provides Impartial, Expert Advice: We are not tied to any single insurer. Our loyalty is to you, our client. We are authorised and regulated by the Financial Conduct Authority (FCA), so you can be sure our advice is professional and in your best interests.
  3. Access to the Whole Market: We have relationships with a wide panel of leading UK insurers, including some who may not deal directly with the public. This gives you the best possible choice.
  4. Ensures Continuity of Cover: Our primary goal during a switch is to ensure you move to a new policy on a CPME basis, protecting cover for conditions you've developed.
  5. No Cost to You: Brokers are paid a commission by the insurer you choose. This means our expert service doesn't cost you a penny extra. In fact, we can often find deals that are cheaper than going direct.
  6. Ongoing Support: Our service doesn't stop once you've bought the policy. We are here to help you at renewal or if you have any issues with a claim.

Based on public customer review platforms, WeCovr consistently receives high satisfaction ratings for our clear communication and dedicated client support.

Beyond Insurance: Enhancing Your Wellbeing

Modern health insurance is about more than just paying for treatment when you're ill. The best providers actively help you stay healthy.

When comparing policies, look for these valuable wellness benefits:

  • Virtual GP Services: 24/7 access to a GP via phone or video call, often with the ability to get private prescriptions. This can save you a long wait for an NHS appointment.
  • Mental Health Support: Access to counselling services, therapy apps, and stress-prevention resources.
  • Gym and Fitness Discounts: Many insurers, like Vitality, reward you for staying active with discounted gym memberships, fitness trackers, and even healthy food.
  • Health and Wellness Apps: Tools to track your activity, nutrition, and sleep, providing personalised insights.

At WeCovr, we believe in this proactive approach to health. That's why clients who purchase PMI or life insurance through us receive complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It's a simple way to build healthier eating habits, supporting your long-term wellbeing.

Furthermore, clients who take out a policy with us can often benefit from discounts on other types of insurance, such as life or income protection cover, helping you protect your family's financial future more affordably.

Comparing Top UK Private Health Insurance Providers

The UK market is home to several excellent insurers, each with its own strengths. Here is a brief overview of the main players:

ProviderKey Strengths & FocusKnown For
AXAA global giant with a strong UK presence. Offers a wide range of customisable policies and an extensive hospital network.Comprehensive cancer care and excellent mental health pathways through their 'Stronger Minds' service.
BupaOne of the UK's most recognised health insurance brands. A not-for-profit organisation that reinvests in healthcare services.Direct access to treatment for some conditions without needing a GP referral. Strong focus on cancer support.
AvivaThe UK's largest general insurer. Offers a solid, well-regarded PMI product with clear policy wording.The 'Aviva Digital GP' app is highly rated. Their 'Expert Select' hospital option can reduce premiums.
VitalityUnique in its focus on rewarding healthy behaviour. The more you do to stay healthy, the more points and rewards you earn.Shared responsibility model. Can be very cost-effective for active individuals and families.

This is just a snapshot. Other excellent providers like The Exeter and WPA offer compelling alternatives, particularly for specific needs like self-employment or family cover. A broker can help you compare them all to find your perfect match.

Can I switch private health insurance if I have an ongoing claim?

Yes, it is possible, but it requires careful handling. If you are in the middle of a course of treatment, it is usually best to wait until it is complete before switching. However, if you are between the diagnostic and treatment phase, a new insurer may agree to take on the claim under a CPME switch. It is crucial to discuss this with an expert broker who can negotiate with insurers on your behalf to ensure a smooth transition of your care.

Do I have to do a medical exam to switch health insurance?

No, you almost never need to have a medical examination to take out or switch private medical insurance in the UK. The underwriting process is based on declaration. For a switch on a 'Continued Personal Medical Exclusions' (CPME) basis, the new insurer relies on the information from your previous insurer and your declaration, not a new medical exam.

What happens to my No-Claims Discount (NCD) when I switch?

Most UK insurers will recognise and honour your No-Claims Discount from your previous provider. When you get a quote, you will be asked about your current NCD level. The new insurer will typically match it, allowing you to retain the discount you have earned for not claiming. This is an important factor in ensuring your new premium is competitive.

Is it better to stay with the same insurer for loyalty?

Not necessarily. While it can feel easier, loyalty rarely pays in the insurance market. Insurers often reserve their best prices for new customers, and renewal premiums can increase significantly each year due to age and medical inflation. Shopping around every year is the most effective way to ensure you have the right cover at the most competitive price. An independent broker can make this annual review process quick and simple.

Ready to see if you can get better health cover for a lower price?

Switching your private medical insurance doesn't have to be complicated or risky. With the right advice and a structured approach, you can move to a new provider, save money, and most importantly, keep your valuable continuity of cover.

Let WeCovr's team of independent experts do the hard work for you. We'll compare the top UK insurers on a CPME basis to find your ideal policy at no extra cost. Get your free, no-obligation quote today.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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