WeCovr.

Login

International Health Insurance for UK Expats (2026)

International Health Insurance for UK Expats (2026) 2026

Planning a new life abroad is an exhilarating prospect. Yet, amidst the excitement of visas and packing, one crucial question often arises: what about healthcare? As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands that securing the right private medical insurance is fundamental for any UK citizen moving overseas.

WeCovr's guide to securing cover abroad as a UK citizen

Moving abroad marks a significant change in your life, and that includes your access to healthcare. Your familiar relationship with the NHS ends the moment you cease to be a UK resident. This guide is designed to walk you through the world of international health insurance, ensuring you and your family are protected, no matter where your adventure takes you.

We'll demystify the jargon, compare your options, and provide a clear roadmap to securing comprehensive cover. From understanding policy features to navigating healthcare in your new home country, consider this your essential handbook for peace of mind.

Why Your NHS Access Stops When You Move Abroad

Many British citizens are surprised to learn that their entitlement to free NHS treatment is based on residency, not nationality or past National Insurance contributions. Once you move away from the UK on a permanent or semi-permanent basis, you are generally no longer entitled to use the NHS for free.

Here’s a breakdown of what changes:

  • Loss of NHS Entitlement: The NHS is a residence-based healthcare system. If you are no longer 'ordinarily resident' in the UK, you must pay for any NHS hospital treatment you receive, charged at 150% of the standard NHS tariff. There are some exceptions for state pensioners and those receiving certain benefits, but for most working-age expats, the free access is gone.
  • The GHIC/EHIC Limitation: The UK Global Health Insurance Card (GHIC), which replaced the European Health Insurance Card (EHIC), provides access to state-provided emergency or necessary medical care during a temporary stay in an EU country. It is not a substitute for comprehensive health insurance and is not designed for people who are living and working in that country.
  • Reciprocal Agreements: The UK holds Reciprocal Healthcare Agreements with a small number of non-EU countries (like Australia and New Zealand). However, these agreements are often limited to urgent or emergency care only. They do not cover routine treatments, pre-existing conditions, or medical evacuation, leaving significant gaps in your cover.

The takeaway is clear: relying on your past UK residency for healthcare abroad is not a viable strategy. You need a dedicated solution.

What is International Health Insurance?

International Private Medical Insurance (iPMI) is a specific type of health insurance policy designed for individuals and families living outside of their home country for an extended period. It gives you access to private healthcare facilities and specialists, offering a level of choice, comfort, and speed that local state systems may not provide.

It's crucial to distinguish it from two other common types of insurance:

FeatureTravel InsuranceUK Private Medical Insurance (PMI)International Health Insurance (iPMI)
Primary PurposeCovers emergencies and unforeseen events on short trips (e.g., lost luggage, flight cancellations, emergency medical care).Covers treatment for acute conditions within the UK's private healthcare sector.Provides comprehensive medical cover for expats living abroad long-term.
Typical DurationDays or weeks; usually up to 90 days per trip, sometimes with annual multi-trip options.Annual policy, renewable, for UK residents.Annual policy, renewable, for non-UK residents.
Medical Cover ScopeEmergency treatment to stabilise you for your return home. Does not cover routine care.Elective and planned treatment for acute conditions in private UK hospitals.Covers a wide range of care, from emergencies to routine appointments, depending on the plan.
Geographical AreaSpecific country or region for the duration of a holiday.United Kingdom only.A defined geographical region (e.g., Europe) or worldwide (with/without USA).

In simple terms, travel insurance is for holidays, UK PMI is for living in the UK, and international health insurance is for living abroad.

Key Features to Look For in an Expat Health Insurance Policy

Choosing an international health insurance plan can feel overwhelming due to the variety of options. Breaking it down by key features makes it much more manageable. Here’s what you need to consider.

Area of Cover (Geographical Limits)

This is one of the most important decisions as it dictates where you are covered. Insurers typically offer a few options:

  • Worldwide: As the name suggests, this provides cover anywhere in the world. It is the most comprehensive and most expensive option.
  • Worldwide Excluding USA: This is a very popular choice. It provides global cover but excludes the United States, where healthcare costs are exceptionally high. This makes the policy significantly cheaper. If you don't plan to live in or travel frequently to the US, this is often the most sensible choice.
  • Regional Plans: Some insurers offer plans that cover specific regions, such as Europe, Southeast Asia, or the Middle East. These can be a cost-effective option if you are certain you will not be spending time outside that area.

Your policy will also cover you for trips back to the UK, though the duration and extent of this cover can vary between providers.

Level of Cover (In-patient, Out-patient, and Extras)

Policies are usually structured in tiers, allowing you to build a plan that suits your needs and budget.

  1. In-patient Cover: This is the foundation of every policy. It covers costs associated with being admitted to a hospital. This includes:

    • Hospital accommodation (private room)
    • Surgeons', anaesthetists', and specialists' fees
    • Diagnostic tests (MRIs, CT scans, X-rays)
    • Cancer treatment (chemotherapy, radiotherapy)
    • Intensive care

  2. Out-patient Cover: This is an optional add-on that covers medical care that doesn't require a hospital admission. It's highly recommended for more comprehensive cover. This can include:

    • Consultations with GPs and specialists
    • Prescription medications
    • Physiotherapy and other therapies
    • Diagnostic tests not requiring a hospital stay

  3. Optional Add-ons: You can further enhance your policy with extras like:

    • Dental and Vision: Covers routine check-ups, fillings, and sometimes major dental work, as well as eye tests and prescription glasses.
    • Maternity Cover: Covers costs related to pregnancy and childbirth. Note: this almost always has a waiting period of 10-12 months, so you must have the cover in place before becoming pregnant.
    • Wellness Benefits: Some plans offer benefits for health screenings, vaccinations, and gym memberships.

Deductibles and Excesses

An excess (or deductible) is the amount you agree to pay towards a claim before the insurer pays the rest. For example, if you have a £500 excess and receive a hospital bill for £10,000, you would pay the first £500, and your insurer would cover the remaining £9,500.

  • Higher Excess = Lower Premium: Opting for a higher excess will reduce your monthly or annual premium.
  • Lower Excess = Higher Premium: Choosing a lower excess (or no excess) means you'll pay more for your premium, but less out-of-pocket when you claim.

This is a personal choice based on your budget and how much financial risk you're comfortable taking on.

Medical Underwriting Options

Underwriting is the process an insurer uses to assess your health and medical history before issuing a policy. This is where the rules about pre-existing conditions come into play.

  • Moratorium Underwriting: This is the simpler option. You don't have to provide your full medical history upfront. Instead, the policy automatically excludes treatment for any medical condition you have had symptoms, advice, or treatment for in the 5 years before your policy starts. However, if you then go for a continuous 2-year period on the policy without needing any treatment, advice, or medication for that condition, it may become eligible for cover.
  • Full Medical Underwriting (FMU): You complete a detailed health questionnaire, declaring your entire medical history. The insurer's medical team reviews it and then makes a decision. They may:
    • Accept you on standard terms.
    • Accept you but permanently exclude a specific condition (e.g., "no cover for the right knee").
    • Accept you but charge a higher premium (a 'loading') to cover the increased risk.
    • Decline to offer cover.

FMU provides certainty from day one about what is and isn't covered, whereas a moratorium can leave some ambiguity. A specialist broker like WeCovr can help you decide which underwriting path is best for your circumstances.

Repatriation and Evacuation Cover

This is a vital component of any good international health plan.

  • Medical Evacuation: If you fall ill or are injured in a location where adequate medical care is not available, this benefit covers the cost of transporting you to the nearest centre of medical excellence.
  • Medical Repatriation: This covers the cost of transporting you back to your home country (the UK) to receive treatment if it is medically appropriate.

For expats living in remote areas or countries with developing healthcare infrastructure, this cover is not a luxury—it is an absolute necessity.

How Much Does International Health Insurance Cost for UK Expats?

The cost of an international private medical insurance policy varies significantly based on several key factors:

  • Age: Premiums increase with age, as the statistical likelihood of needing medical care rises.
  • Destination Country: The cost of healthcare in your new country of residence is a major driver. A policy for an expat in Spain will be much cheaper than for one in the USA or Hong Kong.
  • Area of Cover: A 'Worldwide excluding USA' plan is substantially more affordable than a 'Worldwide' plan.
  • Level of Cover: A basic in-patient only plan will cost less than a comprehensive plan with out-patient, dental, and maternity benefits.
  • Excess/Deductible: A higher excess will lower your premium.

To give you an idea, here are some illustrative examples. These are estimates only and not a formal quote.

Expat ProfileDestinationCover LevelEstimated Annual Premium
30-year-old individualSpainEurope cover, In-patient + £2,000 Out-patient, £500 excess£1,200 - £1,800
45-year-old coupleUAE (Dubai)Worldwide excl. USA, Comprehensive, £250 excess£6,500 - £9,000
55-year-old individualThailandWorldwide excl. USA, In-patient only, £1,000 excess£3,000 - £4,500
40-year-old family of 4USA (California)Worldwide, Comprehensive, £1,000 excess£18,000 - £25,000+

Disclaimer: These figures are for illustrative purposes only. The best way to get an accurate price is to request a personalised quote based on your specific needs.

The role and importance of private health insurance can differ depending on the local healthcare system of your new home.

Spain

Spain has a highly-rated public healthcare system (Sistema Nacional de Salud), which UK expats may be able to access by paying into the social security system as an employee or through the convenio especial (a special pay-in scheme). However, public system waiting lists for specialists and elective surgery can be long. International health insurance gives you fast-track access to an extensive network of private clinics and hospitals, allowing you to bypass queues and choose your doctor.

Australia

The UK has a Reciprocal Health Care Agreement (RHCA) with Australia. This allows UK visitors and some temporary residents to access medically necessary care under the Medicare system. However, it does not cover everything. Ambulance services, dental care, and elective treatments are not included. Many expats opt for private cover to fill these gaps and gain access to private hospitals, which often have shorter waiting times and private rooms.

UAE (Dubai & Abu Dhabi)

In the major emirates of Dubai and Abu Dhabi, it is a legal requirement for all residents to have health insurance. Employers are typically required to provide a basic level of cover for their employees. However, these mandatory plans can be very limited, often restricting you to a small network of clinics and offering low benefit limits. A comprehensive international health insurance plan provides far greater choice, higher limits, and access to the best hospitals in the region.

USA

The United States has no universal public healthcare system. Healthcare is a private, market-driven industry, and the costs are the highest in the world. A simple doctor's visit can cost hundreds of dollars, and a hospital stay can quickly run into the tens or hundreds of thousands. For any UK expat moving to the USA, robust health insurance is not just recommended; it is absolutely essential. Living there without it is an extreme financial risk. This is why policies that include US cover are the most expensive.

The WeCovr Process: How to Secure Your Expat Health Insurance

Navigating the market to find the best PMI provider can be complex. At WeCovr, we simplify the entire process, providing expert, impartial advice at no cost to you. Our high customer satisfaction ratings are a testament to our client-focused approach. Here’s how we help:

  1. Initial Consultation & Needs Analysis: Your journey begins with a conversation. You tell us about your plans—where you're going, who needs cover, your medical history, and your budget. Our friendly, expert advisors listen carefully to understand your unique requirements.
  2. Whole-of-Market Comparison: We do the hard work for you. Leveraging our expertise and relationships with all the leading global insurers (like Bupa Global, AXA, Cigna, and Allianz), we compare dozens of policies to find the ones that best match your needs.
  3. Personalised Recommendations: We present you with a clear, easy-to-understand shortlist of the most suitable options. We'll explain the pros and cons of each plan, breaking down the benefits, exclusions, and costs so you can make a fully informed decision.
  4. Application and Underwriting Support: Once you've chosen a plan, we guide you through the application form, ensuring every detail is accurate to prevent issues later on. We liaise with the insurer's underwriting team on your behalf, smoothing out any queries.
  5. Activation and Ongoing Support: Your cover is now active, but our service doesn't stop there. We remain your point of contact for the life of your policy. If you have a question about a claim, need to make a change, or want to review your cover at renewal, we're here to help.

Wellness & Health Tips for UK Expats

Moving abroad isn't just a logistical challenge; it's a physical and mental one, too. Prioritising your health will help you settle in faster and get the most out of your new life.

Adapting to a New Climate and Diet

Your body will need time to adjust. If you're moving to a hot climate, stay well-hydrated and be mindful of sun exposure. Be adventurous with local cuisine, but introduce new foods gradually to avoid an upset stomach. To help you stay on track with your nutritional goals, all WeCovr clients get complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app.

Staying Active and Managing Stress

Moving is one of life's most stressful events. Combat this by finding ways to stay active. Explore your new neighbourhood on foot, join a local sports club, or find hiking trails. Physical activity is a powerful tool for mental wellbeing. Mindfulness apps and simple breathing exercises can also help manage the anxieties of adapting to a new culture.

The Importance of Sleep

Jet lag and the stress of a new routine can disrupt your sleep. Prioritise creating a restful bedroom environment and stick to a regular sleep-wake cycle as much as possible to help your body's internal clock adjust.

As a WeCovr client, you can also benefit from discounts on other insurance products, such as travel or life insurance, helping you secure all-round protection for a lower cost.

Critical Considerations: Pre-existing and Chronic Conditions

This is the single most important and often misunderstood aspect of private medical insurance. It is vital to be clear on this point.

Standard private medical insurance, both in the UK and internationally, is designed to cover acute conditions that arise after your policy has started.

  • An Acute Condition is an illness or injury that is short-lived, responds quickly to treatment, and is expected to lead to a full recovery. Examples include a broken leg, appendicitis, food poisoning, or a bacterial infection.
  • A Chronic Condition is a long-term health issue that may have no known cure, requires ongoing management, or is likely to recur. Examples include diabetes, asthma, high blood pressure (hypertension), arthritis, Crohn's disease, and most cancers.

Insurers will almost always exclude cover for pre-existing and chronic conditions.

When you apply for a policy, the underwriting process is designed to identify these conditions.

  • With Moratorium underwriting, any condition you've had in the past 5 years is automatically excluded for at least the first 2 years of the policy.
  • With Full Medical Underwriting (FMU), you declare your history, and the insurer will almost certainly apply a permanent exclusion for any chronic condition you list. For example, if you have a history of back pain, your policy will state that it will not cover any investigations or treatment related to your spine.

What does this mean for expats?

If you have a chronic condition, you must plan your healthcare very carefully. You cannot rely on a new international health insurance policy to cover the costs of managing it. You will need to explore other options, such as:

  • Accessing the state healthcare system in your new country, if possible.
  • Paying for the management of your condition out-of-pocket.
  • Looking for highly specialist (and typically very expensive) insurance plans that may offer some level of cover, although this is rare.

Being transparent during your application is non-negotiable. Failing to disclose a pre-existing condition can lead to your policy being cancelled and your claims being rejected, leaving you with huge medical bills.

Frequently Asked Questions (FAQs) for UK Expats

Do I need international health insurance if my new country has a public healthcare system?

Generally, yes. While you may be eligible for the local state system, international health insurance provides significant advantages. These include faster access to specialists, the ability to choose your doctor and hospital, access to a wider range of treatments, private hospital rooms, and cover for services that public systems often exclude, like dental care. It offers a crucial layer of choice and convenience.

Can I keep my UK private medical insurance when I move abroad?

No. A standard UK private medical insurance policy is designed for UK residents and only covers treatment within the UK. Once you move abroad, it will no longer be valid. You need a dedicated international health insurance policy that is designed for expats and provides cover in your new country of residence.

Do I have to declare all my past medical conditions to the insurer?

Yes, absolutely. If you choose Full Medical Underwriting, you must be completely honest and thorough when declaring your medical history. Failing to disclose a condition, even one you think is minor, is known as 'non-disclosure'. If the insurer discovers this later (which they often do when a claim is made), they have the right to cancel your policy from the start and refuse to pay any claims, leaving you liable for all medical costs.

What is the difference between medical evacuation and repatriation?

Medical evacuation covers the cost of transporting you to the nearest appropriate medical facility if you are somewhere without adequate care for your condition. This could be a different city or a neighbouring country. Medical repatriation covers the cost of transporting you back to your country of nationality (e.g., the UK) for treatment, but usually only if it's medically necessary and you are fit to travel. Both are vital benefits for expats.

Ready to take the next step in securing your health and wellbeing abroad? Don't navigate the complex world of expat health insurance alone.

Contact the friendly experts at WeCovr today for a free, no-obligation quote. We'll help you find the perfect private health cover for your new life overseas.

Related guides

Allianz Care International PMI for UK Expats and Business
Allianz Care International PMI for UK Expats and Business
Read more →
Allianz Care International PMI for UK Expats and Businesses
Allianz Care International PMI for UK Expats and Businesses
Read more →
The Ultimate Guide to Top International Private Medical Insurers for UK Expats
The Ultimate Guide to Top International Private Medical Insurers for UK Expats
Read more →
International Health Insurance for UK Expats
International Health Insurance for UK Expats
Read more →
International PMI for UK Expats
International PMI for UK Expats
Read more →
UK Private Health Insurance for Expats & International Residents Seamless UK & Global Health Cover
UK Private Health Insurance for Expats & International Residents Seamless UK & Global Health Cover
Read more →
Get A Free Quote

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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

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

How It Works

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

Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Learn more

...

Who Are WeCovr?

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

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

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

Important Information

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

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

About WeCovr

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

Insurance Products

Resources

Legal

© 2026 WeCovr. Made with in London