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Is It Possible to Have PMI with Multiple Providers At Once

Considering private medical insurance in the UK? As a broking firm that has helped arrange over 1,000,000 policies of various kinds, WeCovr often encounters a key question: can you hold more than one policy?

Last updated Oct 7, 2026

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Key takeaways

  • You Notify Your Chosen Insurer: You decide which policy you want to use for the claim. This might be the one with the lower excess, the better hospital list, or the more comprehensive benefits for your specific condition.
  • Declare Your Other Policy: When you make a claim, the claim form will almost certainly ask if you have any other insurance that covers the same treatment. You must answer this honestly. Failing to do so is considered non-disclosure and could invalidate your claim or even your policy.
  • Insurers Coordinate: Once notified, your chosen insurer (the "lead insurer") will handle your claim as usual. Internally, they will contact the other insurer. Based on the contribution clauses in both policies, they will agree on how to split the cost.
  • If both policies offer identical cover, they might split the cost 50/50.
  • If one policy has a higher limit, that insurer might pay a larger proportion.

Considering private medical insurance in the UK? As a broking firm that has helped arrange over 1,000,000 policies of various kinds, WeCovr often encounters a key question: can you hold more than one policy? This guide demystifies the rules, revealing how multiple policies work and whether it’s the right choice for you.

Rules around double insurance, claim overlaps and pros and cons of multiple policies

In the world of UK private medical insurance (PMI), the idea of holding policies with multiple providers might seem like a way to help secure the most appropriate care. You might have a basic policy through your employer but are considering a more comprehensive personal plan to fill in the gaps.

But is it allowed? And more importantly, is it a good idea?

The short answer is yes, it is possible and perfectly legal to have more than one private health cover policy at the same time. However, the way claims are handled is not as simple as getting a double claim payment. The UK insurance market is built on a core principle that prevents you from profiting from a claim.

Let's dive into the specifics.

The Principle of Indemnity: The Cornerstone of UK Insurance

Before we explore the pros and cons, it's vital to understand the "Principle of Indemnity." This is a fundamental concept in all UK insurance, including PMI.

  • What it means: Insurance is designed to put you back in the same financial position you were in before an insured event (like an illness or injury) occurred. It is not designed for you to make a profit.
  • How it works with PMI (illustrative): If you need a private medical procedure that costs £5,000, your insurance should cover up to £5,000 of that cost. You cannot claim £5,000 from Provider A and another £5,000 from Provider B for the same £5,000 bill. That would be profiting from the claim, which is not permitted.

This principle is enforced through "contribution clauses" found in most policy documents. These clauses state that if you have another policy covering the same risk, the insurers will coordinate to share the cost of the claim. You won't have to manage this yourself; the insurance companies will sort it out between them.

Crucial Reminder: Standard UK private medical insurance is designed for acute conditions – illnesses or injuries that are new, short-term, and likely to respond to treatment. It does not cover pre-existing conditions (ailments you had before taking out the policy) or chronic conditions (long-term illnesses like diabetes or asthma that require ongoing management).

Common Scenarios for Having Multiple PMI Policies

Why would someone in the UK end up with two health insurance policies? It usually happens in one of a few common situations.

1. Workplace Policy + Personal Top-Up Policy

This is by far the most frequent scenario. An employer provides a group PMI scheme as a staff benefit, but the cover might be basic.

  • The Workplace Policy: Often has limits on outpatient consultations, may exclude certain therapies, or have a high excess.
  • The Personal Policy: An individual then takes out their own policy to enhance their cover. They might want more extensive cancer care, full outpatient cover, mental health support, or dental and optical benefits that the work scheme lacks.

Example: Sarah has a PMI policy with her law firm. It covers in-patient treatment fully but limits outpatient consultations to just £500 per year. Worried about diagnostic costs, she takes out a personal policy with a different provider that offers unlimited outpatient cover. When she needs a series of diagnostic scans costing £1,500, she can claim through her personal policy. (illustrative estimate)

2. Both Partners Have Workplace Policies

It's common for couples or families where both adults are in professional roles to each have their own workplace PMI.

  • The Challenge: The policies might have different benefits, hospital lists, and excesses. If a child needs treatment, the parents must decide which policy to claim under.
  • The Opportunity: Having two policies gives the family flexibility. They can choose the policy that offers an appropriate level of cover for a specific condition or provides access to their preferred hospital.

3. Overlapping Policies When Switching Providers

Sometimes, you might have a brief period of double insurance when you switch from one provider to another. This is usually accidental, for instance, if your new policy starts a week before your old one ends. This is generally not a problem, but it's important to be aware of.

4. General PMI + Specialised Cash Plan or Dental Plan

This is a very practical and popular combination.

  • Private Medical Insurance: Covers the major costs of private diagnosis and treatment for acute conditions.
  • Health Cash Plan: This is a different type of insurance. It doesn't cover private surgery but provides a cash claim payment for routine healthcare expenses, such as dental check-ups, eye tests, prescriptions, and physiotherapy, up to an annual limit.

These two types of policies don't overlap in the same way two PMI policies would. They complement each other perfectly.

How Do Claims Work with Two PMI Policies?

This is where the theory meets reality. If you hold two PMI policies and need to make a claim, what happens?

You will not be paid twice. Instead, the insurers will apply the principle of contribution.

Here's the typical process:

  1. You Notify Your Chosen Insurer: You decide which policy you want to use for the claim. This might be the one with the lower excess, the better hospital list, or the more comprehensive benefits for your specific condition.
  2. Declare Your Other Policy: When you make a claim, the claim form will almost certainly ask if you have any other insurance that covers the same treatment. You must answer this honestly. Failing to do so is considered non-disclosure and could invalidate your claim or even your policy.
  3. Insurers Coordinate: Once notified, your chosen insurer (the "lead insurer") will handle your claim as usual. Internally, they will contact the other insurer. Based on the contribution clauses in both policies, they will agree on how to split the cost.
    • If both policies offer identical cover, they might split the cost 50/50.
    • If one policy has a higher limit, that insurer might pay a larger proportion.
  4. Your Bill is Paid: As the policyholder, you shouldn't notice this behind-the-scenes process. Your hospital and specialist bills will be paid directly by the insurers, up to the limits of your policies. You are only responsible for paying any excess on the policy you claimed through.

A Table Illustrating the Claim Process

StepYour ActionInsurers' Action
1. Treatment NeededYou receive a GP referral for private specialist treatment.-
2. Choose a PolicyYou review your two policies and decide to claim on Policy A.-
3. Make the ClaimYou contact Insurer A, complete a claim form, and declare you hold Policy B.Insurer A pre-authorises the treatment.
4. Insurer Coordination-Insurer A contacts Insurer B. They agree to share the cost of the £4,000 procedure, perhaps 50/50.
5. Treatment & PaymentYou have your treatment. You pay the £250 excess on Policy A.Insurer A pays the hospital £3,750. Insurer A then reclaims £2,000 from Insurer B. The total cost may be covered.

The Pros and Cons of Holding Multiple PMI Policies

Deciding whether to pay for two sets of premiums requires careful thought. A specialist at WeCovr or one of our broker partners can provide personalised advice, but here is a general breakdown of the advantages and disadvantages.

Advantages of Multiple Health Insurance Policies

  • Filling Gaps in Cover: The main benefit is plugging holes in a primary policy. A basic work scheme might not cover mental health, but a personal plan can add this crucial benefit.
  • Higher Overall Limits: If you have two policies, you can potentially combine their limits for certain benefits. For example, if Policy A has a £1,000 outpatient limit and Policy B has a £1,500 limit, you might be able to claim up to £2,500 in total, provided the insurers agree to contribute.
  • Wider Choice of Hospitals: Each insurer has its own list of approved hospitals. Having two policies from different providers could grant you access to a much broader network of facilities across the UK.
  • Flexibility in Claiming: You can choose the policy that is most advantageous for a particular claim – for instance, the one with a zero excess or the one that has a specific cancer care pathway you prefer.
  • Access to More Wellness Benefits: Insurers are increasingly competing on added perks. One policy might offer discounted gym memberships, while another provides a digital GP service and a wellness app. With two policies, you could access both. When you arrange cover with WeCovr, you also get complimentary access to our AI-powered nutrition app, CalorieHero, to help you stay on top of your health goals.

Disadvantages of Multiple Health Insurance Policies

  • The Cost: This is the most significant drawback. You are paying two premiums every month, and a portion of that money will likely be for overlapping cover you can only claim on once.
  • Administrative Hassle: Juggling two policies, two sets of documents, two renewal dates, and two sets of rules can be confusing and time-consuming.
  • Complexity in Claims: While insurers handle the contribution process, it can sometimes lead to slight delays compared to a straightforward claim on a single policy.
  • False Sense of Security: You might think you are "doubly covered," but the principle of indemnity means you'll never get a double claim payment. It's often more cost-effective to upgrade a single policy than to buy a second one.
  • Potential for Underwriting Complications: Each policy will have its own underwriting terms (e.g., moratorium or full medical underwriting). This can create confusion about what pre-existing conditions are excluded on which policy.

Summary Table: Pros vs. Cons

Pros (Advantages)Cons (Disadvantages)
✅ Fills gaps in a primary (e.g., work) policy❌ Paying two premiums for overlapping benefits
✅ Can lead to higher overall benefit limits❌ Increased administrative complexity and paperwork
✅ Provides access to a wider hospital network❌ Claims process can be slightly slower or more complicated
✅ Flexibility to choose which policy to claim from❌ No "double claim payment" – you cannot profit from a claim
✅ Access to a broader range of wellness & value-adds❌ May be more cost-effective to have one comprehensive plan

Is a Second Policy the Right Choice for You? Analysing Your Needs

Instead of immediately buying a second policy, it's wise to first assess whether it's truly necessary. A specialist PMI broker can be invaluable here.

Ask yourself these questions:

  1. What are the specific gaps in my current policy? Write them down. Is it mental health cover, outpatient limits, dental, or the choice of hospitals?
  2. Can I upgrade my existing policy to fill these gaps? Often, you can add modules or upgrade your level of cover with your current provider for less than the cost of a whole new policy.
  3. Could a single, different policy provide all the cover I need? It might be more economical to switch from your current personal plan to a new, more comprehensive one that includes everything you want.
  4. Have I considered a Health Cash Plan instead? If your main concern is routine expenses like dental, optical, or therapies, a cash plan is a much cheaper and more suitable solution than a second full PMI policy.

a WeCovr specialist or trusted broker partner, sometimes working with broker partners, specialises in comparing the UK's leading private medical insurance providers. We can analyse your existing cover and help you find the most efficient way to get the protection you need, whether that's through an upgrade, a switch, or a carefully selected complementary policy. Plus, clients who purchase PMI or life insurance through us often receive discounts on other types of cover, such as home or travel insurance.

UK Health and Wellness: A Proactive Approach

Having robust health insurance is about more than just treatment; it's about staying well. The UK has seen a significant shift towards preventative healthcare. According to the Office for National Statistics (ONS), people are increasingly aware of the links between lifestyle and long-term health.

Taking a proactive approach can reduce your reliance on medical treatment in the first place.

  • Balanced Diet: Aim for a diet rich in fruits, vegetables, lean proteins, and whole grains. Monitoring your intake with an app can be a great motivator.
  • Regular Exercise: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This could be brisk walking, cycling, or swimming.
  • Quality Sleep: Most adults need 7-9 hours of sleep per night for optimal physical and mental health. Poor sleep is linked to a range of health issues.
  • Health Screenings: Use the wellness benefits in your PMI policy for regular health checks. Catching potential issues early is one of the most effective ways to ensure good long-term outcomes.

Using the value-added benefits from one or even two PMI policies can be a fantastic way to support a healthier lifestyle.

Frequently Asked Questions (FAQ)

Do I have to declare my other health insurance policy when I make a claim?

Yes, absolutely. You must be honest and transparent with your insurer. Claim forms will specifically ask if you have other insurance that could cover the same event. Failing to disclose this is a form of insurance fraud and could lead to your claim being rejected and your policy being cancelled. It's always best to be upfront.

Can I choose which of my two PMI policies to claim on?

Yes, you can. You should review the benefits and terms of each policy to decide which is better suited for your specific claim. For example, you might choose the policy with a £0 excess to avoid any out-of-pocket costs, or the one that gives you access to a hospital renowned for the treatment you need. Once you choose, that insurer will lead the claim.

Is it better to have two policies or one single comprehensive policy?

For most people, having one comprehensive policy is more straightforward and cost-effective. Paying for two policies often means paying twice for the same core benefits. The main exception is when you have a basic workplace policy and want to add specific benefits (like full outpatient or mental health cover) via a separate personal plan. A regulated broker can help you compare the cost of a second policy versus upgrading or switching to a single, all-encompassing plan.

Does having two policies cover my pre-existing or chronic conditions?

No. This is a critical point. Standard UK private medical insurance, whether you have one policy or two, is designed to cover new, acute conditions that arise *after* your policy begins. It does not cover the treatment of pre-existing conditions or the routine management of long-term, chronic illnesses like diabetes, Crohn's disease, or high blood pressure.

The Final Verdict: Is Double Insurance Worth It?

While it's possible to have PMI with multiple providers, it's a strategy that only makes sense in specific circumstances, most commonly to supplement a basic employer-provided scheme.

For the majority of UK consumers, the goal should be to secure a single, robust policy that meets all their needs in a cost-effective way. Paying two premiums often leads to redundant cover and unnecessary expense due to the fundamental insurance principle of indemnity.

Before you commit to a second policy, take the time to explore all your options. A thorough market review can reveal whether upgrading your current plan or switching to a better provider would be a more prudent financial decision.

Navigating the complexities of the private medical insurance UK market can be challenging. High customer satisfaction ratings show that our clients value our clear, regulated advice. Let us help you find an appropriate level of cover for your peace of mind.

Ready to find the right private health cover? Get a free, no-obligation quote from WeCovr today and let our experts build a plan that's right for you.

Sources

  • NHS England: Waiting times and referral-to-treatment statistics.
  • Office for National Statistics (ONS): Health, mortality, and workforce data.
  • NICE: Clinical guidance and technology appraisals.
  • Care Quality Commission (CQC): Provider quality and inspection reports.
  • UK Health Security Agency (UKHSA): Public health surveillance reports.
  • Association of British Insurers (ABI): Health and protection market publications.

Important Information and Risks

No advice: This article is for general information only. It is not financial, legal, insurance, or tax advice, and it is not a personal recommendation. WeCovr does not assess your individual circumstances or recommend a specific product through this article.

Policy exclusions and underwriting: Insurance policies, including life insurance, private medical insurance, critical illness cover, and income protection, are subject to insurer underwriting, eligibility, acceptance criteria, terms, conditions, limits, and exclusions. Pre-existing medical conditions may be excluded, restricted, or accepted on special terms unless an insurer confirms otherwise in writing.

Tax treatment: References to tax treatment, HMRC rules, or business reliefs are based on current UK legislation and guidance, which can change. Tax treatment depends on your personal or business circumstances and may differ from examples in this article.

Before you buy: Always read the Insurance Product Information Document (IPID), policy summary, and full policy terms before buying, renewing, changing, or keeping cover. If you are unsure whether a policy is suitable for you, speak to an insurance adviser.

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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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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.

Private medical insurance is designed for conditions that start after your policy begins, so pre-existing conditions are usually excluded, at least at first. With moratorium underwriting, a pre-existing condition may become eligible for cover once you have gone two continuous years on the policy without symptoms, treatment or advice for it. With full medical underwriting, the insurer tells you upfront which conditions are excluded. If you are switching from another policy or leaving a company scheme, you may be able to keep your existing underwriting terms, and some larger company schemes use Medical History Disregarded underwriting, where pre-existing conditions aren't excluded. Chronic conditions that need long-term management aren't covered by standard policies.

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. Some policies can also cover treatments and drugs that aren't routinely available on the NHS.

There's no fee to get quotes through WeCovr. WeCovr and its broker partners are typically paid a commission by the insurer when you take out a policy. The cost of the policy itself depends on your age, where you live, the cover you choose and your excess.

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 may benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product, and policies differ in ways that matter. Speaking to a specialist at WeCovr or one of its broker partners helps make sure your requirements are understood so you can choose the right cover.

WeCovr's broker partners are firms authorised and regulated by the Financial Conduct Authority (FCA), which requires them to treat customers fairly. You can check any firm on the FCA Register.

WeCovr and its broker partners are typically paid a commission by the insurer when a policy is taken out. The premium is set by the insurer, and you don't pay a separate fee for using the service. You can ask about the commission at any time.

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 eligible conditions that arise after your policy begins. You pay a monthly or annual premium and can claim for private healthcare covered by your policy. Benefits can include quicker access to treatment than on the NHS and, on some policies, access to drugs or treatments that aren't routinely available on the NHS.

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, chronic conditions and conditions present before the policy started.

Usually not on a new personal policy: pre-existing conditions are generally excluded, whatever the premium. Depending on your underwriting, a condition may become eligible later, and if you are switching policies or leaving a company scheme you may be able to keep existing terms. If you have questions about what is covered, contact WeCovr and a specialist at WeCovr or one of its broker partners can explain the options.

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. Depending on the insurer, it applies once per policy year or once per claim. A specialist at WeCovr or one of its broker partners can explain the excess options available.

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.

Some insurers have an upper age limit for new customers, while others don't, and age affects the price. Many insurers will renew an existing policy regardless of age. A specialist at WeCovr or one of its broker partners can help you find insurers that accept your age.

A specialist at WeCovr or one of its broker partners can compare health insurance plans from a range of insurers for you, with no fee to you. Consider individual, couple, or family plans and review coverage details thoroughly before choosing.

Usually, yes. Many insurers let you add a partner or dependent children, either at any time or at renewal, depending on the insurer. The cost depends on factors like their age, where you live and the cover you choose. Contact WeCovr or your insurer for help adding someone to your policy.

UK private medical insurance is designed for treatment in the UK, although some policies include limited cover abroad. If you live or work abroad, international health insurance may be more suitable, and WeCovr or one of its broker partners can help you compare options. For holidays, travel insurance is recommended.

Comprehensive cover usually includes more extensive benefits, such as fuller outpatient cover for consultations, diagnostic tests, physiotherapy and mental health therapies, within the policy limits. A specialist at WeCovr or one of its broker partners can explain the different levels of cover.

Private health insurance typically does not cover routine dental treatment, although some insurers offer a dental option and there are standalone dental policies. A specialist at WeCovr or one of its broker partners can help you compare policies with dental options.

Most private medical insurance policies include cover for cancer diagnosed after the policy starts, but the level of cover varies: some policies limit drugs, treatment time or cost. A specialist at WeCovr or one of its broker partners can help you compare cancer cover between policies.

You can usually change your cover at renewal, and some insurers allow changes during the year. You also have a 14-day cooling-off period after receiving your policy documents, during which you can cancel. A specialist at WeCovr or one of its broker partners can help with changes.

Many policies include a digital GP service provided by the insurer, often with same-day or next-day appointments. Check what your policy includes.

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

Yes. Insurers offer a range of cover levels to suit different budgets and needs, and a specialist at WeCovr or one of its broker partners can talk you through the options.

Your insurer can tell you which hospitals and specialists are included in your policy. For help comparing policies' hospital lists, tap one of the buttons above or below and fill in a few details, and a specialist at WeCovr or one of its broker partners will be in touch.

A fee-assured (or fee-approved) consultant has agreed to charge within your insurer's fee limits, so for eligible, authorised treatment you shouldn't have to pay a shortfall for their fees.

Many policies include some mental health cover, either as standard or as an option, usually with limits on therapy sessions or costs. Cover varies between insurers, so check the details.

Yes, children up to a certain age can usually be included on your policy, and some insurers offer discounts for children.

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. Tap a button below to get your own personalised quote through WeCovr.

Private health insurance can offer quicker access to consultations and treatment for eligible conditions, and more choice over when and where you are treated.

Many policies include physiotherapy, sometimes with limits on sessions or cost. A specialist at WeCovr or one of its broker partners can help you find plans that include it.

Services such as the insurer's digital GP app are usually available as soon as your policy starts.

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 eligible new conditions that arise after the policy starts. Pre-existing conditions are usually excluded, chronic conditions aren't covered, and other exclusions apply.

Health insurance pays for eligible private healthcare, such as consultations and treatment, up to your policy limits. A specialist at WeCovr or one of its broker partners can help you arrange cover.

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

Usually, yes: cover for eligible new conditions starts when your policy starts, and services like a nurse helpline or digital GP app are usually available straight away. If you make a claim soon after starting, the insurer may ask for a 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. Visit your insurer's website, or ask a specialist at WeCovr or one of its broker partners, for details of member rewards.

You may be able to continue your cover with the same insurer on a personal policy, or take out a new policy. Continuing with the same insurer can mean keeping your existing underwriting, so conditions covered under the company scheme may stay covered. A specialist at WeCovr or one of its broker partners can talk you through your options.

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

Your cover may be similar but not identical, and ongoing medical conditions may be covered, depending on the terms. A specialist at WeCovr or one of its broker partners can help you find the right level of cover.

Usually not, because employers often pay for or contribute to staff cover and group schemes are priced differently. Your cover level and age also affect the price. A specialist at WeCovr or one of its broker partners can give you more detail.

There is usually a limited window after leaving, set by the insurer, so check as early as possible. Your personal policy can often start the day after your work cover ends, and a specialist at WeCovr or one of its broker partners can explain other options.

Have your leaving date and your current policy details ready, then contact WeCovr to discuss your options with a specialist at WeCovr or one of its broker partners.

Ongoing treatment may be covered if you continue with the same insurer on a personal policy, although it could affect the price. A specialist at WeCovr or one of its broker partners can explain your options.

Your insurer will explain how to pay your excess when you contact them for treatment authorisation. Usually you pay it to the hospital or consultant.

Usually not: with most insurers, there's no excess for services such as a digital GP. Check your policy.

Excess changes are usually made at renewal, although some insurers allow changes at other times.

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

Pre-existing conditions usually aren't covered on a new personal policy. A specialist at WeCovr or one of its broker partners can explain the underwriting options.

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 are medical issues that existed before your policy started. Many insurers treat any condition you've had symptoms of, treatment for or advice about in the five years before the policy started as pre-existing. A specialist at WeCovr or one of its broker partners can help you understand how pre-existing conditions affect your options.

While some insurance providers automatically renew your private healthcare cover, it's worth comparing policies when yours is due for renewal to check it still offers good value for the cover you need. A specialist at WeCovr or one of its broker partners can help you compare.

Typically, you must be over 18 to take out your own policy, but children can usually be included on a family policy. Some insurers have an upper age limit for new customers, and premiums typically increase with age. A specialist at WeCovr or one of its broker partners can explain the age rules of different insurers.

Some insurers charge less if you pay annually, but this depends on the insurer. A specialist at WeCovr or one of its broker partners can tell you whether paying annually would save you money.

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.

Usually not. With full medical underwriting you complete a medical questionnaire, and the insurer may occasionally ask your GP for a report. With moratorium underwriting there's no medical questionnaire upfront. A specialist at WeCovr or one of its broker partners can explain 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. A specialist at WeCovr or one of its broker partners can help you find policies that offer GP services.

With private health insurance, you can often get a GP appointment much more quickly, sometimes even on the same day, through the insurer's GP service. A specialist at WeCovr or one of its broker partners can help you find policies that include it.

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. A specialist at WeCovr or one of its broker partners can help you understand the different types of care and find a policy that suits your needs.

Private health insurance pays for eligible medical treatment if you fall ill, while critical illness cover pays a lump sum if you are diagnosed with one of the illnesses listed in the policy, which you can use however you choose, for example to replace lost income. A specialist at WeCovr or one of its broker partners can help you understand the differences.

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. A specialist at WeCovr or one of its broker partners can help you find appropriate cover.

If your employer pays for your health insurance, it's usually a taxable 'benefit in kind': you pay income tax on its value, normally through your tax code or payroll, and your employer pays Class 1A National Insurance. For the employer, the premiums are usually an allowable business expense. If you buy a personal policy, you pay for it from taxed income. For advice on your situation, speak to an accountant.

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. A specialist at WeCovr or one of its broker partners 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. A specialist at WeCovr or one of its broker partners can help you understand the differences and choose the right option for you.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Each year you don't claim typically adds to your no-claims discount, which can reduce your premium at renewal. A specialist at WeCovr or one of its broker partners can help you find policies that offer no-claims discounts.

To find the right health insurance for you, compare 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. A specialist at WeCovr or one of its broker partners can help you evaluate your options.

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, check your policy terms to see whether your insurer requires a GP referral first (many do). Some policies offer direct access without a referral for certain conditions, such as muscle and joint problems or counselling 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 published 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 practise privately, so you could potentially see the same consultant either way. However, private healthcare typically offers shorter waiting times, usually a private room, and more flexible visiting. Some policies also give 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.

Usually, yes. If you have private tests or scans but then want NHS treatment, your GP or private consultant can refer you to the NHS and share your results, although the NHS team may want to repeat some tests.

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