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Is PMI the Best Employee Perk for UK Businesses

Is PMI the Best Employee Perk for UK Businesses 2026

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the UK employee benefits landscape. This guide explores why private medical insurance is increasingly seen as the most valuable perk, outshining traditional offerings and providing tangible support for your team's health and your business's productivity.

Why staff rate PMI as more valuable than gym memberships

In the evolving world of work, the definition of a "great perk" is changing. While a free gym membership or a well-stocked snack cupboard is appreciated, employees are increasingly prioritising benefits that offer genuine, long-term security and wellbeing. Private Medical Insurance (PMI) has emerged as the clear frontrunner.

The reason is simple: peace of mind. A gym membership helps you stay fit, but PMI is there for you when you're not. It provides a safety net, offering rapid access to medical care at a time of anxiety and uncertainty. This sense of security is something a treadmill simply cannot compete with.

Recent surveys consistently show that health-related benefits are a top priority for UK workers. In a post-pandemic world, with heightened awareness of health and NHS waiting times a national concern, the value of fast-tracking medical treatment has soared. Staff understand that their health, and that of their family, is their most important asset. An employer who helps protect it is seen as a truly caring and supportive one.

The Shift in Employee Priorities

  • From 'Nice-to-Have' to 'Need-to-Have': Perks like free coffee are pleasantries. PMI addresses a fundamental human need: the desire for timely healthcare when illness or injury strikes.
  • Focus on Mental Wellbeing: Modern PMI policies often include comprehensive mental health support, from counselling sessions to digital therapy apps. This addresses the growing mental health crisis in the UK workforce far more directly than a wellness app or a yoga class.
  • Inclusivity: While a gym membership appeals to a specific, active segment of the workforce, PMI benefits everyone, regardless of age or fitness level. It is a universal perk that provides value to every single employee.
  • Tangible, High-Impact Value: The value of a gym membership might be £30-£50 a month, and many go unused. The value of skipping a year-long NHS wait for a hip replacement or getting a cancer diagnosis in days instead of weeks is, for many, priceless.

What Exactly is Business Private Medical Insurance?

Business Private Medical Insurance, often called Group PMI or Company Health Insurance, is a policy taken out by an employer to provide healthcare cover for its employees. It works alongside the NHS, giving staff the option to receive private treatment for eligible conditions.

Think of it as a way to bypass long waiting lists and gain more control over your healthcare journey. Instead of waiting for an NHS appointment, an employee can be seen by a specialist in a private hospital, often within days or weeks.

The Crucial Point: Acute vs. Chronic Conditions

This is the single most important thing to understand about PMI in the UK. Standard policies are designed to cover acute conditions.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include joint pain requiring a replacement, hernias, cataracts, or infections.
  • A chronic condition is a long-term illness that cannot be cured but can be managed. Examples include diabetes, asthma, high blood pressure, and Crohn's disease.

Crucially, standard UK private health cover does not typically cover the routine management of chronic conditions. It also excludes pre-existing conditions—any illness or symptom you had before the policy started. PMI is for new, eligible medical problems that arise after you join.

The Current State of UK Healthcare: Why PMI is More Relevant Than Ever

The National Health Service is one of the UK's proudest institutions, but it is under unprecedented strain. This reality is the primary driver behind the surge in demand for private medical insurance.

According to the latest data from NHS England, the key challenges are stark:

  • Record Waiting Lists: In mid-2024, the overall number of people waiting for routine consultant-led hospital treatment in England stood at approximately 7.54 million. This means millions of people are living with pain and uncertainty, impacting their work, family life, and mental health.
  • Long Waits for Key Procedures: The number of patients waiting over 52 weeks for treatment remains stubbornly high, with tens of thousands waiting over 65 weeks. For procedures like hip or knee replacements, these delays can be debilitating.
  • Cancer Treatment Targets: While the NHS works tirelessly, key targets for cancer diagnosis and treatment are frequently missed. The target is for 93% of patients with suspected cancer to see a specialist within two weeks of an urgent GP referral. This target has been under pressure, creating immense anxiety for those awaiting a potential diagnosis.
  • Strained GP Services: Securing a timely GP appointment has become a common frustration, leading to delays in diagnosis and referral for specialist care. Many PMI policies now include a Digital GP service, allowing employees to have a video consultation within hours.

These aren't just statistics; they represent real people facing long, anxious waits for care. For a business, this translates directly into sickness absence, reduced productivity, and a workforce under stress.

NHS ChallengeHow PMI Provides a Solution
7.5m+ waiting listFast access to diagnosis and treatment, often within weeks.
Long waits for surgeryBypasses the queue for elective procedures like joint replacements.
Diagnostic delaysRapid access to scans (MRI, CT, PET) and consultations.
Difficulty seeing a GP24/7 Digital GP services included in most policies.
Limited mental health accessDirect access to counselling and therapy without a GP referral.

PMI vs. Other Employee Perks: A Head-to-Head Comparison

Let's put PMI in context by comparing it directly with other popular employee benefits. This demonstrates why it consistently delivers superior value for both the employee and the employer.

Employee PerkEmployee's Perceived ValueLong-Term ImpactTypical Business Benefit
Private Medical InsuranceVery High. Seen as a premium benefit that provides real security for them and their family.Significant. Reduces health-related stress, ensures quick recovery, and provides access to mental health support.Reduces absenteeism, boosts productivity, powerful tool for talent attraction and retention.
Gym MembershipModerate. Valued by active employees, but often goes unused by the majority (estimated 50%+ non-usage).Variable. High impact for those who use it consistently, but zero impact for those who don't.Promotes a wellness culture, but ROI can be low due to lack of engagement.
Cycle to Work SchemeModerate. Excellent for commuters in certain locations, but limited appeal for others.Positive. Encourages fitness and is environmentally friendly for users.Supports green initiatives and employee fitness, but has a niche audience.
Free Lunch / SnacksGood. A popular daily perk that boosts immediate morale and convenience.Low. The positive effect is often temporary. Can also contribute to unhealthy eating habits if not managed.Improves office atmosphere and encourages staff to stay on-site.
Enhanced PensionHigh (for some). Highly valued by older, long-term focused employees. Less tangible for younger staff.Very Significant. Crucial for long-term financial security.Excellent for retention of senior staff. A core pillar of a good benefits package.

While a strong pension is a foundational benefit, PMI addresses the more immediate and often more worrying concern of health. The ideal benefits package contains both, but when it comes to a "perk" that delivers immediate peace of mind, PMI stands out.

The Tangible Benefits of PMI for Your Employees

For an employee, being offered PMI is a clear signal that their employer cares about their holistic wellbeing. The advantages are practical and deeply impactful.

  1. Speed of Access: This is the headline benefit. Instead of waiting months or over a year on the NHS, an employee can often see a specialist and begin treatment within a matter of weeks.
  2. Choice and Control: PMI gives patients a choice of leading specialists and a network of high-quality private hospitals across the UK. This includes choosing a hospital that is convenient for home or work.
  3. Comfort and Privacy: Private hospitals typically offer private en-suite rooms, more flexible visiting hours, and a quieter, more comfortable environment for recovery.
  4. Access to Advanced Treatments: Some policies provide cover for new drugs or treatments that may not yet be available on the NHS due to cost or NICE (National Institute for Health and Care Excellence) approval delays.
  5. Comprehensive Cancer Cover: This is a cornerstone of most PMI policies. It provides full cover for the diagnosis and treatment of cancer, including surgery, chemotherapy, and radiotherapy, often with access to breakthrough drugs.
  6. Vital Mental Health Support: Most modern PMI plans now offer a strong mental health pathway. This can include:
    • Direct access to counsellors or therapists without a GP referral.
    • Cover for a set number of therapy sessions (e.g., CBT).
    • Access to digital mental health platforms and apps.
  7. Digital GP Services: A 24/7 virtual GP service is now a standard feature. Employees can book a video or phone appointment, often for the same day, getting advice, reassurance, or a private prescription quickly.

Real-Life Example: Sarah, a 45-year-old marketing manager, develops persistent knee pain. Her GP refers her to an NHS orthopaedic specialist, but the waiting list for an appointment is nine months. Her company's PMI policy allows her to see a private specialist the following week. An MRI scan is booked for three days later, revealing a torn meniscus. She has keyhole surgery in a private hospital two weeks after that and is back at work on light duties within a month, with physiotherapy included in her cover. Without PMI, she would still be waiting for her first consultation.

The Strategic Advantages of Offering PMI for Your Business

Providing private health cover isn't just an expense; it's a strategic investment in your most valuable asset: your people. The returns are measured in productivity, loyalty, and a stronger bottom line.

According to the Office for National Statistics (ONS), an estimated 185.6 million working days were lost because of sickness or injury in the UK in 2022, the highest on record. Offering PMI directly tackles the root causes of this absenteeism.

  1. Reduced Sickness Absence: By speeding up diagnosis and treatment, PMI gets employees back on their feet and back to work faster. This drastically cuts down the number of days lost to sickness, especially for conditions requiring surgery.
  2. Increased Productivity (Presenteeism): Presenteeism—when employees are at work but not fully productive due to illness or stress—is a hidden cost. An employee worried about a health concern or struggling with chronic pain cannot perform at their best. PMI resolves these issues faster, restoring focus and productivity.
  3. A Powerful Recruitment Tool: In a competitive job market, a strong benefits package can be the deciding factor. Offering PMI signals that you are a premium employer who invests in your team's welfare, helping you attract the best talent.
  4. Improved Employee Retention: When employees feel cared for and valued, they are more likely to stay. PMI is a high-impact benefit that builds loyalty and reduces costly staff turnover.
  5. A Healthier, More Resilient Workforce: With access to preventative health checks, mental health support, and fast treatment, your team is better equipped to manage their health, leading to a more resilient and engaged workforce.
  6. Duty of Care: Providing PMI is a clear and tangible way for a company to fulfil its duty of care to its employees, fostering a positive and supportive workplace culture.

Working with an expert PMI broker like WeCovr can help you design a scheme that aligns with your business goals, whether that's tackling absenteeism, boosting morale, or becoming an employer of choice in your sector.

How to Choose the Right PMI Policy for Your Business

Not all PMI policies are created equal. Customising a plan to fit your budget, workforce, and company culture is key. Here are the main factors to consider.

Types of Underwriting

Underwriting is how an insurer assesses risk and decides on the terms of the policy.

  • Full Medical Underwriting (FMU): Employees complete a detailed health questionnaire. The insurer may exclude specific pre-existing conditions from cover for each individual. It can be more complex to set up but offers complete clarity on what is and isn't covered from day one.
  • Moratorium Underwriting (MORI): This is the most common type for small businesses. No medical questionnaire is needed at the start. Instead, the policy automatically excludes treatment for any medical condition that existed in the 5 years prior to joining. However, if an employee goes 2 continuous years without any symptoms, treatment, or advice for that condition after joining, it may become eligible for cover.
  • Medical History Disregarded (MHD): This is the most comprehensive—and expensive—option, usually available to larger groups (typically 20+ employees). The insurer agrees to cover eligible acute conditions, regardless of any prior medical history. It's a major perk for attracting staff with pre-existing conditions they want covered.

Key Policy Options to Customise

You can tailor your policy to manage costs and match your priorities:

  • Hospital Lists: Insurers have different tiers of hospitals. A basic list might exclude expensive central London hospitals to keep costs down, while a comprehensive list offers nationwide choice.
  • Outpatient Cover: This covers consultations and diagnostics that don't require a hospital bed. You can choose a full cover limit, a set cash amount per year (e.g., £1,000), or even remove it to reduce the premium significantly.
  • Excess Level: This is the amount an employee pays towards their claim each year (e.g., £100, £250, £500). A higher excess lowers the overall premium.
  • The "6-Week Wait" Option: This is a cost-effective choice. The policy will only cover treatment if the NHS waiting list for that procedure is longer than six weeks. If the NHS can treat you within six weeks, you use the NHS.
  • Extra Cover: You can add on benefits like dental, optical, and travel insurance for a more comprehensive package.

The Cost of Business PMI in the UK: An Illustrative Guide

The cost of a company PMI policy depends on several factors:

  • Average age of employees: Older employees generally mean higher premiums.
  • Location: Premiums can be higher in areas with more expensive private hospitals, like London and the South East.
  • Level of cover: A comprehensive plan with a top-tier hospital list and full outpatient cover will cost more than a basic plan.
  • Industry: Some manual labour industries may have slightly higher premiums due to higher risk of musculoskeletal claims.

Here is an illustrative table of potential monthly costs per employee for a mid-level policy with a £250 excess. These are estimates for 2025 and will vary between providers.

Average Employee AgeLocation: ManchesterLocation: Central London
30£35 - £50£45 - £65
40£50 - £70£65 - £90
50£75 - £100£95 - £130

A specialist broker can run a full market comparison to find the most competitive price for your specific company profile.

WeCovr's Added Value: More Than Just Insurance

Choosing the right policy is just the beginning. At WeCovr, we believe in providing ongoing value to our clients and their employees. When you arrange your PMI with us, you get more than just health cover.

  • Complimentary Access to CalorieHero: All employees on a PMI or Life Insurance scheme arranged through WeCovr get free access to our AI-powered calorie and nutrition tracking app, CalorieHero. This proactive wellness tool helps your staff manage their diet, achieve health goals, and build sustainable habits, supporting their wellbeing every day.
  • Discounts on Other Insurance: Once you're a WeCovr client, we offer preferential rates and discounts on other essential business and personal insurance policies. This helps you and your employees save money across a range of products, from public liability to home insurance.
  • Expert, Unbiased Advice: As an independent and FCA-authorised broker, our loyalty is to you, not to any single insurer. We compare policies from all leading UK providers to find the perfect fit for your needs and budget, at no cost to you. Our high customer satisfaction ratings reflect our commitment to clear, expert guidance.

Final Thoughts: An Investment in Your People is an Investment in Your Future

In today's challenging economic and healthcare climate, providing Private Medical Insurance is one of the most powerful statements an employer can make. It demonstrates a profound commitment to the health, security, and wellbeing of your staff.

It moves beyond the transient appeal of superficial perks, addressing a core need and providing tangible, life-changing value when it's needed most. By reducing absence, boosting productivity, and attracting and retaining the very best talent, PMI is not just an employee benefit—it's a cornerstone of a resilient, successful, and forward-thinking business.

Is company private medical insurance a taxable benefit in the UK?

Yes, in the UK, when a company pays for an employee's private medical insurance premium, it is considered a 'benefit-in-kind'. This means the employee will have to pay income tax on the value of the premium, and the employer will have to pay National Insurance contributions (Class 1A) on it. The cost is reported to HMRC on a P11D form.

What is the difference between an acute and a chronic condition for PMI?

This is a critical distinction for UK PMI. An acute condition is an illness or injury (like a cataract, hernia, or broken bone) that is short-lived and expected to be resolved fully with treatment. Standard PMI is designed to cover these. A chronic condition is a long-term illness that cannot be cured but can be managed (like diabetes, asthma, or high blood pressure). PMI does not typically cover the ongoing management of chronic conditions.

Can I add family members to my company PMI scheme?

Yes, most business PMI schemes are flexible. An employer can choose to fund cover for employees only, or they can extend the offer to allow employees to add their partners and/or children to the policy. Usually, the employee will pay for their dependants' cover, but they benefit from the group rate, which is often cheaper than buying an individual policy.

Does PMI cover pre-existing conditions?

Generally, no. Standard PMI policies, particularly those with moratorium underwriting, will exclude conditions you've had symptoms, treatment, or advice for in the 5 years before joining. Some policies may cover them after a 2-year clear period. The main exception is a 'Medical History Disregarded' (MHD) scheme, usually available to larger companies, which agrees to cover eligible acute conditions regardless of past medical history.

Ready to explore the best private medical insurance UK options for your business?

Contact the friendly experts at WeCovr today for a free, no-obligation quote. We'll help you compare the market and build the perfect, cost-effective plan to protect your team.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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