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Is Private Health Insurance Worth It in 2026

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

As an FCA-authorised broker that has helped over 900,000 customers find the right cover, WeCovr understands the debate around private medical insurance in the UK. With NHS waiting lists remaining a major concern, is PMI a worthwhile investment in 2026, or an expensive luxury? This guide offers our honest assessment.

Key takeaways

  • PMI is for Acute Conditions: These are diseases, illnesses, or injuries that are likely to respond quickly to treatment and lead to a full recovery. Think of conditions like hernias, cataracts, joint replacements, or most types of cancer.
  • PMI is NOT for Chronic Conditions: These are long-term illnesses that cannot be cured, only managed. Examples include diabetes, asthma, high blood pressure, and arthritis. Standard PMI policies will not cover the routine management of these conditions.
  • Overall Waiting List: The referral to treatment (RTT) waiting list in England continues to hover around the 7.5 million mark. This represents a huge number of individual treatment pathways, not unique patients, but illustrates the scale of the backlog.
  • Long Waits Persist: Despite efforts to reduce them, tens of thousands of patients are still waiting over 52 weeks for treatment. Some even wait over 18 months.
  • Diagnostic Delays: Waiting for a diagnosis can be one of the most stressful periods. The waiting list for key diagnostic tests (like MRI scans, CT scans, and endoscopies) remains stubbornly high, with a significant percentage of patients waiting more than the 6-week target.

As an FCA-authorised broker that has helped over 900,000 customers find the right cover, WeCovr understands the debate around private medical insurance in the UK. With NHS waiting lists remaining a major concern, is PMI a worthwhile investment in 2026, or an expensive luxury? This guide offers our honest assessment.

WeCovr's honest assessment of the pros, cons, and rising costs of PMI this year

The question, "Is private health insurance worth it?" has never been more relevant for UK families and individuals. In 2026, the landscape of healthcare is a mix of immense pressure on our beloved NHS and the growing appeal of the private sector's speed and choice.

This comprehensive article breaks down everything you need to know. We'll explore the real-world benefits, the undeniable costs, the crucial exclusions you must understand, and how to make an informed decision for yourself and your loved ones.

What is Private Medical Insurance (PMI)? A Quick Refresher

Before we dive deep, let's clarify what Private Medical Insurance (PMI) is—and just as importantly, what it isn't.

Think of PMI as a healthcare safety net that runs alongside the NHS. You pay a monthly or annual premium to an insurance company. In return, if you fall ill with a new, treatable condition, the policy covers the costs of private diagnosis and treatment.

The Golden Rule of PMI: Acute vs. Chronic Conditions

This is the single most important concept to grasp:

  • PMI is for Acute Conditions: These are diseases, illnesses, or injuries that are likely to respond quickly to treatment and lead to a full recovery. Think of conditions like hernias, cataracts, joint replacements, or most types of cancer.
  • PMI is NOT for Chronic Conditions: These are long-term illnesses that cannot be cured, only managed. Examples include diabetes, asthma, high blood pressure, and arthritis. Standard PMI policies will not cover the routine management of these conditions.

Crucially, PMI is also not designed for emergencies. If you have a heart attack or are in a serious accident, your first port of call is always A&E and the NHS, which excels at emergency care.

The Elephant in the Room: The State of the NHS in 2026

To understand the value of PMI, we must first look at the public system it complements. The NHS is a national treasure, staffed by incredible professionals. However, it is operating under historic strain.

According to the latest available data from NHS England in late 2025, the situation remains challenging:

  • Overall Waiting List: The referral to treatment (RTT) waiting list in England continues to hover around the 7.5 million mark. This represents a huge number of individual treatment pathways, not unique patients, but illustrates the scale of the backlog.
  • Long Waits Persist: Despite efforts to reduce them, tens of thousands of patients are still waiting over 52 weeks for treatment. Some even wait over 18 months.
  • Diagnostic Delays: Waiting for a diagnosis can be one of the most stressful periods. The waiting list for key diagnostic tests (like MRI scans, CT scans, and endoscopies) remains stubbornly high, with a significant percentage of patients waiting more than the 6-week target.

Let's look at average waiting times for some common procedures to see what this means in practice.

ProcedureAverage NHS Waiting Time (from referral)Typical Private Waiting Time
Hip Replacement9 - 14 months4 - 6 weeks
Cataract Surgery6 - 9 months3 - 5 weeks
Hernia Repair5 - 8 months2 - 4 weeks
MRI Scan6 - 10 weeks3 - 7 days

Note: NHS wait times are illustrative based on 2025 data and can vary significantly by region and hospital trust. Private waiting times are typical but can also vary.

This data isn't meant to criticise the NHS, but to provide a realistic backdrop for your decision. The core value proposition of private health insurance is providing a way to bypass these queues for eligible conditions.

The Pros: Key Benefits of Having Private Health Cover in 2026

So, what are you actually paying for? The benefits of PMI go beyond simply being seen faster.

1. Beat the Queues: Faster Access to Treatment

This is the number one reason people buy PMI. As the table above shows, the difference between waiting nearly a year for a hip replacement versus just over a month is life-changing. For someone in pain or unable to work, this speed is invaluable.

  • Real-Life Example: Sarah, a 45-year-old self-employed graphic designer, develops severe knee pain. Her NHS GP refers her to a specialist, but the wait is 38 weeks. Her PMI policy gets her an MRI scan within a week and keyhole surgery three weeks later. She's back at work in under two months, avoiding a huge loss of income.

2. Choice and Control Over Your Care

The NHS generally determines your surgeon and hospital. With PMI, you regain control.

  • Choose your specialist: You can research and select a leading consultant for your condition.
  • Choose your hospital: You can pick from a list of high-quality private hospitals that may be cleaner, quieter, and more convenient for you.
  • Choose your timing: You can schedule appointments and surgery at times that suit your work and family life, rather than having to accept the first available slot.

3. A More Comfortable and Private Experience

While the quality of NHS clinical care is excellent, the environment can be stressful. Private hospitals typically offer:

  • A private room: Guaranteed privacy, with an en-suite bathroom, TV, and Wi-Fi.
  • Better food: An à la carte menu is common, catering to your dietary needs.
  • Flexible visiting hours: Your family and friends can usually visit whenever is convenient.

4. Access to Specialist Drugs and Treatments

Sometimes, a new drug or treatment that has proven effective is not yet available on the NHS. This can be due to delays in approval from the National Institute for Health and Care Excellence (NICE) or because it's deemed too expensive. Many comprehensive PMI policies provide cover for certain drugs and treatments that aren't yet standard in the public system, particularly in cancer care.

5. Robust Mental Health Support

Insurers have significantly boosted their mental health offerings in recent years. Most policies now include:

  • Access to a set number of talking therapy sessions (counselling, CBT).
  • Cover for psychiatric treatment as an in-patient or day-patient.
  • Digital mental health support via apps and online portals.

This is a huge benefit, as waiting lists for mental health support on the NHS can be extremely long.

6. Valuable Added Extras and Wellness Programmes

Modern PMI is no longer just about being ill. Insurers want to keep you healthy.

  • Digital GP: Most providers offer a 24/7 virtual GP service, allowing you to get a consultation via phone or video call within hours.
  • Wellness Incentives: Providers like Vitality are famous for rewarding healthy habits with things like free cinema tickets, coffee, and discounts on smartwatches.
  • Exclusive Member Benefits: As a WeCovr customer, you get complimentary access to our AI-powered nutrition app, CalorieHero, to help you manage your diet. You can also get discounts on other insurance products, like life or income protection cover, when you take out a PMI policy with us.

The Cons: The Realities and Limitations of PMI

An honest assessment must include the downsides. Private health insurance isn't a magic wand for all your healthcare needs, and it comes with significant costs and limitations.

1. The Cost: How Much is Private Health Insurance in 2026?

PMI is a significant financial commitment. The price you pay (your premium) is influenced by several factors:

  • Age: The older you are, the more expensive it gets.
  • Location: Premiums are often higher in London and the South East due to the higher cost of private treatment there.
  • Level of Cover: A basic policy covering only in-patient treatment will be much cheaper than a comprehensive one that includes out-patient diagnostics, therapies, and mental health.
  • Excess (illustrative): This is the amount you agree to pay towards any claim. A higher excess (£500 or £1,000) will lower your monthly premium.
  • Underwriting: Your medical history plays a huge role.

Here is an illustrative table of potential monthly costs in 2026.

ProfileBasic Cover (High Excess, Core Cover)Comprehensive Cover (Low Excess, Full Cover)
Single, 30-year-old£35 - £50£70 - £95
Couple, both 45£90 - £120£180 - £250
Family of 4 (Parents 40, Kids 10 & 12)£130 - £180£280 - £370
Single, 65-year-old£120 - £170£250 - £350+

Disclaimer: These are estimated costs for non-smokers with no adverse medical history. Your actual quote will vary. Use these figures as a guide only.

2. Critical Exclusions: What PMI Will NOT Cover

This is where many people get caught out. It's vital to read your policy documents carefully. As a rule, standard UK PMI does not cover:

  • Pre-existing Conditions: Any illness or injury you had symptoms of, or received advice or treatment for, before your policy started.
  • Chronic Conditions: Long-term conditions like diabetes, asthma, arthritis, or hypertension. PMI is for curing conditions, not managing them.
  • Emergencies: Anything that would require A&E. The NHS handles this.
  • Normal Pregnancy & Childbirth: Though complications may be covered by some policies.
  • Cosmetic Surgery (unless for reconstructive purposes after an accident or eligible surgery).
  • Organ Transplants.
  • Self-inflicted injuries.

There are two main ways insurers deal with pre-existing conditions:

  1. Full Medical Underwriting (FMU): You declare your full medical history upfront. The insurer will then state precisely what is excluded from your cover from day one. It's clear and transparent.
  2. Moratorium Underwriting: You don't declare your history. Instead, the policy automatically excludes any condition you've had in the 5 years before joining. However, if you go for a set period (usually 2 years) without any symptoms, treatment, or advice for that condition after your policy starts, it may then become eligible for cover. This is the most common type of underwriting.

3. The Annual Renewal Rollercoaster: Rising Premiums

Your premium will almost certainly increase every year, often by more than standard inflation. This happens for two main reasons:

  1. Ageing: You move into a higher age bracket, which has a higher risk profile.
  2. Medical Inflation: The cost of new medical technology, drugs, and hospital fees rises at a much faster rate (often 8-12% per year) than general inflation.
  3. Claims: If you've made a claim, your premium may increase further at renewal.

This is why it's crucial to review your policy every year and not just let it auto-renew. An expert broker like WeCovr can re-broke the market for you to ensure you're still on the best-value policy.

How to Control Your PMI Costs: A WeCovr Guide

While premiums are rising, you are not powerless. There are several levers you can pull to make your private health cover more affordable.

  • Choose a Higher Excess: Agreeing to pay the first £250, £500, or even £1,000 of any claim can dramatically reduce your monthly premium. It's a way of sharing the risk with the insurer.
  • Opt for a Guided Consultant List: Instead of having access to every private hospital and consultant in the UK, you can choose a policy with a more limited, "guided" network. These are still high-quality facilities, but the insurer has negotiated preferential rates with them, passing the savings to you.
  • Consider a 6-Week Wait Option: This is a brilliant compromise. Your policy will only kick in if the NHS waiting list for the in-patient treatment you need is longer than six weeks. If the NHS can see you within six weeks, you use the NHS. This significantly lowers your premium while still protecting you from the very long waits.
  • Limit Your Out-patient Cover: The most expensive part of a policy is often the out-patient cover (consultations and diagnostic scans before a hospital admission). You can choose to cap this at, say, £1,000 per year, or remove it entirely and pay for initial consultations yourself (self-funding), only using the PMI for the expensive surgical part.
  • Review Your Cover Annually: Don't just accept your renewal price. As an independent PMI broker, WeCovr can compare your renewal quote against the entire market in minutes, potentially finding you the same or better cover for less. Our service is completely free to you.

Is PMI Right for You? A Personal Checklist

To decide, ask yourself these honest questions:

  1. Can I afford it? Look at the example costs. Can you comfortably afford the monthly premium, not just now, but also with expected future increases?
  2. What is my risk tolerance for waiting? If the thought of waiting 9 months in pain for a new knee fills you with dread, PMI offers peace of mind.
  3. Am I self-employed? For freelancers and business owners, long NHS waiting lists mean lost income. PMI can be a sound business decision, getting you back to work faster.
  4. Does my employer offer a scheme? Company PMI schemes are often much cheaper than individual policies and may offer better terms on pre-existing conditions. Always check this first.
  5. Do I have savings? An alternative is "self-insuring"—putting money aside each month into a savings account to pay for any potential private treatment yourself. However, a major procedure like a heart bypass can cost over £20,000, so this requires significant funds.
  6. What am I most worried about? If your main fear is cancer, a policy with strong cancer cover might be your priority. If it's joint pain, focus on policies with good orthopaedic pathways.

Who are the Best PMI Providers in the UK for 2026?

The UK market is dominated by a few excellent, highly-regulated providers. There is no single "best" one—the right choice depends entirely on your needs and budget.

ProviderKey Feature / SpecialismKnown For
AXA HealthStrong digital GP, comprehensive options, Doctor@Hand service.High-quality, often premium, service.
AvivaMajor UK insurer, often good value, strong brand reputation.'Expert Select' guided consultant option to manage costs.
BupaThe UK's best-known health insurer with its own network of hospitals.Extensive direct settlement and hospital access.
VitalityFocuses on wellness, rewarding healthy living with discounts.Innovative approach, popular with active individuals.
The ExeterA friendly society (owned by members), often good for older applicants.More flexible underwriting for some health conditions.

Working with a broker like WeCovr allows you to compare all these providers and more on a like-for-like basis, ensuring you understand the subtle but important differences between their policies.

The WeCovr Advantage: More Than Just a Quote

Choosing a PMI policy can feel overwhelming. That's where we come in. WeCovr is a fully independent, FCA-authorised insurance broker. We work for you, not the insurance companies.

  • Whole-of-Market Advice: We compare policies from all the leading providers to find the perfect fit for your specific needs and budget.
  • Expert Guidance: Our specialists live and breathe private medical insurance. We'll demystify the jargon and explain the pros and cons of each option in plain English.
  • No Cost to You: Our service is 100% free. We are paid a commission by the insurer you choose, which is already built into the premium, so you pay the same price (or often less) than going direct.
  • Added Value: All our health and life insurance clients get complimentary access to the CalorieHero AI nutrition app and enjoy exclusive discounts on other types of cover.
  • Ongoing Support: We're here for you at renewal to ensure you're still on the best deal, and we can help with any queries you have during your policy term. Our high satisfaction ratings from thousands of customers reflect our commitment to service.

In 2026, private medical insurance is less a luxury and more a calculated decision about risk, cost, and peace of mind. For many, it's a worthwhile investment in their health and financial security. For others, the cost will be prohibitive. The key is to make an informed choice.

Do I need to declare my pre-existing conditions for PMI?

Yes, you must be honest about your medical history. With 'Full Medical Underwriting', you declare everything upfront, and the insurer will explicitly exclude those conditions. With 'Moratorium' underwriting, you don't declare them, but any condition you've had in the last 5 years is automatically excluded for at least the first 2 years of the policy.

Is cancer treatment covered by private medical insurance UK policies?

Generally, yes. Core cancer cover for diagnosis and treatment is a standard and crucial feature of most UK private medical insurance policies. However, the level of cover can vary. Some policies may have limits on advanced treatments or drugs not yet approved by NICE, while more comprehensive policies will offer more extensive cover. It's vital to check the specifics of the cancer cover in any policy you consider.

Can I get private health insurance if I am retired or over 65?

Absolutely. It is possible to get private health cover when you are over 65, but it will be more expensive as the risk of needing treatment is higher. Some insurers have upper age limits for new applicants (e.g., 75 or 80), while others, like The Exeter, specialise in providing cover for older individuals. An experienced broker can help you find the providers who are best suited for your age group.

Ready to Find Out if PMI is Right for You?

Take the next step. Get a free, no-obligation quote from WeCovr today. Our friendly experts will help you compare your options and find the right private health cover for your needs and budget in 2026.

Sources

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

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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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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