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Is Private Health Insurance Tax Deductible in 2026




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TL;DR

WeCovr explains the latest tax treatment of PMI for individuals and businesses Welcome to your definitive 2026 guide on the tax treatment of private medical insurance in the UK. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we understand that navigating the world of insurance and tax can feel complex. This article breaks down everything you need to know in simple, clear terms.

Key takeaways

  • Faster access to specialists and treatment.
  • Choice of leading consultants and hospitals.
  • A private, en-suite room for hospital stays.
  • Access to drugs and treatments that may not be available on the NHS.
  • Pre-existing conditions are any ailments you knew about or had symptoms of before your policy began.

WeCovr explains the latest tax treatment of PMI for individuals and businesses

Welcome to your definitive 2026 guide on the tax treatment of private medical insurance in the UK. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we understand that navigating the world of insurance and tax can feel complex. This article breaks down everything you need to know in simple, clear terms.

Private health insurance is a significant investment in your wellbeing, but does it come with any tax benefits? The answer isn't a simple yes or no; it depends entirely on who pays for the policy. Whether you're an individual, a self-employed professional, or a business owner, the rules differ. Let's dive in and demystify the tax implications of Private Medical Insurance (PMI) for you.

A Quick Refresher: What Is Private Medical Insurance?

Before we tackle the tax questions, let's quickly recap what private medical insurance is and, just as importantly, what it isn't.

PMI is an insurance policy designed to cover the costs of private medical care for 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. Think of things like joint replacements, cataract surgery, or treatment for a newly diagnosed condition.

The main benefit of PMI is speed and choice. With NHS waiting lists in England standing at a staggering 7.54 million treatment pathways as of late 2025, according to NHS England data, private health cover allows you to bypass these queues.

Key benefits often include:

  • Faster access to specialists and treatment.
  • Choice of leading consultants and hospitals.
  • A private, en-suite room for hospital stays.
  • Access to drugs and treatments that may not be available on the NHS.

The Critical Exclusion: Pre-existing and Chronic Conditions

It is vital to understand a fundamental principle of standard UK private medical insurance: it does not cover pre-existing or chronic conditions.

  • Pre-existing conditions are any ailments you knew about or had symptoms of before your policy began.
  • Chronic conditions are long-term illnesses that cannot be cured but can be managed, such as diabetes, asthma, or high blood pressure.

PMI is there to get you back on your feet when a new, treatable health issue arises. The NHS provides excellent care for chronic and emergency conditions, and PMI is designed to work alongside it, not replace it.

Is Private Health Insurance Tax Deductible for Individuals?

Let's get straight to the most common question we hear: if I pay for my own private health insurance, can I claim tax relief on it?

The short answer is no.

For the vast majority of individuals paying for their own PMI policy from their post-tax income, there is no mechanism to claim tax relief from HMRC. It is treated as a personal living expense, much like your gym membership or home insurance. HMRC does not consider it a deductible expense against your income tax.

Policy HolderPolicy Cost (Annual)Tax Deductible?Your Net Cost
Individual£1,200No£1,200

While this might seem disappointing, remember that the primary value of PMI isn't a tax break, but fast access to high-quality healthcare when you need it most, giving you and your family invaluable peace of mind.

A Special Case: Tax Rules for the Self-Employed and Sole Traders

The situation can be different if you are self-employed or a sole trader. Here, you may be able to claim your private medical insurance premiums as an allowable business expense. However, the rules are strict and hinge on a key HMRC principle.

The expense must be "wholly and exclusively" for the purposes of your trade or business.

This means you must be able to prove that the sole reason for having the health insurance is to protect your business's profits. For example, a policy that ensures you can get treated quickly and return to work with minimal disruption and loss of income might qualify.

When could it be a deductible expense?

Consider a freelance graphic designer who is the sole earner for their business. If a sudden illness requiring surgery would mean weeks or months off work, leading to lost contracts and income, a PMI policy could be argued as essential for business continuity. The purpose of the policy is to get them back to designing and earning as fast as possible.

When is it NOT a deductible expense?

If the policy also covers your spouse or children, it immediately fails the "wholly and exclusively" test because it's providing a personal, family benefit. Similarly, if the policy is intended as a general wellness perk rather than a specific tool to prevent loss of income from your inability to work, HMRC is likely to disallow it.

Key Considerations for Sole Traders:

  1. Business Purpose: The policy's primary function must be to ensure you can continue to trade.
  2. No Personal Element: The benefit cannot extend to family members if you want to claim it as a business expense.
  3. Incapacity Insurance vs. PMI: Be careful not to confuse PMI with income protection or critical illness cover. These are different products with their own tax rules.
  4. Seek Professional Advice: The "wholly and exclusively" rule is subjective and open to interpretation by HMRC. We strongly advise speaking to your accountant before claiming PMI as a business expense. They can assess your specific circumstances and advise on the correct approach.
ScenarioIs it likely tax-deductible?Why?
A sole trader takes out a policy covering only themselves to ensure fast surgery.Potentially YesThe purpose is to minimise business downtime and protect trading income.
A sole trader takes out a policy covering themselves and their partner.NoIt provides a personal benefit to the partner, failing the "wholly and exclusively" test.

Private Health Insurance for Limited Companies: A Powerful Employee Benefit

This is where the tax treatment becomes most interesting and beneficial. A UK limited company can provide private medical insurance to its employees, including directors, and the tax implications are very clear.

For the Company: An Allowable Expense

When a limited company pays for its employees' health insurance premiums, the cost is generally considered an allowable business expense. This means the company can deduct the full cost of the premiums from its taxable profits, reducing its Corporation Tax bill.

The main rate of Corporation Tax is currently 25%.

Example: Company Tax Saving

Let's imagine a small company, "Innovate Ltd," decides to provide PMI for its director.

  • Illustrative estimate: Annual PMI Premium: £1,500
  • Corporation Tax Rate: 25%
  • Illustrative estimate: Corporation Tax Saving: £1,500 x 25% = £375
  • Illustrative estimate: Net Cost of the policy to the company: £1,500 - £375 = £1,125

So, by providing this benefit, the company effectively gets it at a reduced cost.

For the Employee: A "Benefit-in-Kind" (BIK)

While the company gets a tax break, the employee (even if they are also the company director) does not receive the benefit for free from a tax perspective. Because the company is paying for a personal benefit, HMRC treats it as a "Benefit-in-Kind" (BIK).

This means the value of the benefit—the cost of the insurance premium—is added to the employee's earnings for tax purposes. The employee must pay income tax on the value of the premium at their marginal tax rate (20%, 40%, or 45%).

How is this reported?

The company must report this benefit to HMRC on a P11D form at the end of the tax year. The employee will then see their tax code adjusted for the following year to collect the tax owed, or they may need to pay it via their self-assessment tax return.

Example: Employee Tax Calculation

Let's look at the director of Innovate Ltd again. She is a higher-rate taxpayer (40%).

  • Illustrative estimate: Value of BIK (the premium): £1,500
  • Employee's Income Tax Rate: 40%
  • Illustrative estimate: Annual Income Tax Owed by Employee: £1,500 x 40% = £600
  • Illustrative estimate: This equates to £50 per month in extra tax.

For a basic-rate taxpayer (20%), the tax would be just £300 for the year, or £25 per month. (illustrative estimate)

For the Employer: Class 1A National Insurance

There is one final piece of the puzzle. The company must also pay Employer's National Insurance Contributions (NICs) on the value of the benefit. This is known as Class 1A NICs, and the current rate is 13.8%.

Example: Employer NICs Calculation

  • Illustrative estimate: Value of BIK (the premium): £1,500
  • Class 1A NICs Rate: 13.8%
  • Illustrative estimate: Annual NICs Owed by Company: £1,500 x 13.8% = £207

The Full Picture: A Complete Cost Breakdown for a Limited Company

Let's bring all these numbers together to see the total cost and tax impact for providing a £1,500 PMI policy to a 40% taxpayer. (illustrative estimate)

Cost/Saving ComponentFor the Company (Innovate Ltd)For the Employee (Director)
Initial Outlay (Premium)-£1,500£0
Corporation Tax Saving (25%)+£375-
Class 1A NICs Cost (13.8%)-£207-
Total Net Cost to Company-£1,332-
Benefit-in-Kind (BIK) Value-£1,500
Income Tax on BIK (40%)--£600
Overall Cost£1,332£600

Even with the BIK tax and NICs, providing PMI through a limited company is often more tax-efficient and affordable for the individual than paying for it personally from post-tax income. The employee gets £1,500 worth of cover for a personal tax cost of £600. (illustrative estimate)

Is Providing PMI Still Worth It for Businesses in 2026?

Absolutely. Despite the BIK tax for the employee, offering private health cover as part of your benefits package is one of the most highly valued perks you can provide.

A 2023 survey by the CIPD (Chartered Institute of Personnel and Development) found that health and wellbeing benefits are a key focus for UK organisations, with 47% offering PMI to at least some employees. Here's why it's such a smart investment:

  1. Attract and Retain Top Talent: In a competitive job market, a strong benefits package can be the deciding factor for a candidate choosing between two offers. PMI signals that you are an employer who genuinely cares for your team's wellbeing.
  2. Reduce Sickness Absence: By giving employees fast access to diagnosis and treatment, you can significantly reduce the length of time they are off work. This boosts productivity and minimises disruption.
  3. Boost Morale and Loyalty: Employees who feel looked after are more engaged, motivated, and loyal. This contributes to a positive company culture and lower staff turnover.
  4. A Duty of Care: Providing health support demonstrates a strong commitment to your employees' physical and mental health, fulfilling a key aspect of modern corporate responsibility.

For a relatively modest cost, especially after tax relief, company PMI delivers disproportionately high value in terms of employee goodwill and business resilience.

WeCovr: Your Expert Partner in Private Health Insurance

Navigating the world of group schemes, individual policies, and tax implications can be daunting. That's where an expert PMI broker like WeCovr comes in. We are authorised and regulated by the Financial Conduct Authority (FCA), giving you confidence that you are dealing with professionals.

Our service is provided at no cost to you. We do the hard work of comparing policies from the UK's best PMI providers to find the perfect fit for your needs and budget, whether you are an individual or a business. We help you understand the fine print so there are no surprises down the line.

Furthermore, WeCovr customers get complimentary access to our AI-powered nutrition app, CalorieHero, to help you stay on top of your health goals. We also offer discounts on other insurance products, such as life or income protection cover, when you take out a policy with us.

Health & Wellness Corner: Proactive Steps for a Healthier 2026

While insurance is a crucial safety net, the best way to manage your health is to be proactive. Here are some simple, evidence-based tips to help you stay well.

  • Nourish Your Body: Follow the principles of the NHS Eatwell Guide. Aim for a balanced diet rich in fruits, vegetables, lean proteins, and whole grains. Staying hydrated by drinking plenty of water throughout the day is also essential.
  • Prioritise Sleep: Most adults need 7-9 hours of quality sleep per night. It's vital for physical repair, mental clarity, and immune function. Create a relaxing bedtime routine and make your bedroom a screen-free zone.
  • Move Every Day: The NHS recommends at least 150 minutes of moderate-intensity activity (like a brisk walk or cycling) or 75 minutes of vigorous-intensity activity (like running or a spin class) per week. Find an activity you enjoy to make it a sustainable habit.
  • Mind Your Mental Health: Stress is a major contributor to poor health. Practice mindfulness, spend time in nature, connect with loved ones, and don't hesitate to seek support if you're struggling. Many PMI policies now include excellent mental health support services.

Do I need to declare the private medical insurance I get from my employer?

You personally do not need to declare it on a self-assessment tax return unless you have other reasons for filing one. Your employer is responsible for reporting the benefit to HMRC on a P11D form. HMRC will then collect the tax you owe on this "Benefit-in-Kind" by adjusting your tax code for the following year, meaning you'll pay slightly more tax through your monthly payroll.

Can I claim tax relief on private health cover if I am retired?

No. If you are retired and pay for a private health insurance policy out of your pension or other savings, it is treated as a personal expense. Unfortunately, there is no tax relief available from HMRC for individuals, including retirees, who fund their own PMI.

What is the difference between a P11D and 'payrolling benefits'?

A P11D is the traditional end-of-year form an employer uses to tell HMRC about the cash value of any Benefits-in-Kind (like PMI) an employee has received. 'Payrolling benefits' is a newer, simpler system where the employer can choose to add the cash value of the benefit to your monthly salary and tax it in real-time through PAYE. This avoids the need for a P11D form and a tax code adjustment later. The total amount of tax you pay is the same with either method.

Is business health insurance tax deductible for partnerships?

The tax treatment for partnerships is more complex. If a partnership pays for PMI for its employees, the cost is a deductible business expense, and it is a Benefit-in-Kind for the employee (the same as for a limited company). However, if the partnership pays for a partner's own PMI, it is generally not a deductible expense for the partnership. The cost is usually treated as a private drawing by the partner. It's essential to get advice from an accountant on this.

Ready to explore your private medical insurance options?

Whether you're looking for personal cover or a business scheme, our friendly experts are here to help. Get a free, no-obligation quote from WeCovr today and take the first step towards fast, flexible healthcare.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.
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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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