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Is Private Health Insurance Worth It in the UK in 2026

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

As an FCA-authorised expert that has helped arrange over 900,000 policies, WeCovr provides this honest guide to private medical insurance (PMI) in the UK. We'll explore if it's the right choice for you in 2026, weighing the significant pros against the very real costs and limitations. WeCovr's honest assessment of the pros, cons, and costs of PMI in 2026 The conversation around healthcare in the UK is changing.

Key takeaways

  • PMI does NOT cover pre-existing conditions. If you have received medical advice, diagnosis, or treatment for a condition in the years before your policy starts (usually the last 5 years), it will be excluded from cover, at least initially.
  • PMI does NOT cover chronic conditions. A chronic condition is one that is long-lasting and requires ongoing management rather than a cure. Examples include diabetes, asthma, hypertension, and most types of arthritis. The NHS will continue to be your port of call for managing these.
  • Waiting Lists: The number of people in England waiting for routine hospital treatment remains exceptionally high. NHS England data showed a referral-to-treatment (RTT) waiting list of over 7.5 million cases. While efforts are underway to reduce this, millions still face long waits for essential procedures.
  • Waiting Times: The target is for 92% of patients to wait less than 18 weeks from referral to treatment. In reality, this target hasn't been met for several years. A significant number of patients wait over a year for treatment.
  • Diagnostics: Waiting for key diagnostic tests like MRI scans, CT scans, and endoscopies is a major bottleneck. Delays in diagnosis can lead to poorer health outcomes and increased anxiety.

As an FCA-authorised expert that has helped arrange over 900,000 policies, WeCovr provides this honest guide to private medical insurance (PMI) in the UK. We'll explore if it's the right choice for you in 2026, weighing the significant pros against the very real costs and limitations.

WeCovr's honest assessment of the pros, cons, and costs of PMI in 2026

The conversation around healthcare in the UK is changing. While our beloved NHS remains the bedrock of our health system, providing excellent care to millions, it faces unprecedented pressure. Record waiting lists and stretched resources have led many to wonder: is it time to consider private health insurance?

In 2026, this question is more relevant than ever. This guide is our commitment to giving you a clear, no-nonsense view. We'll break down exactly what PMI is, what it costs, and who it's truly for, helping you make an informed decision for yourself and your family.

What is Private Medical Insurance? A Plain English Guide

Before we dive into the "is it worth it" debate, let's be crystal clear on what Private Medical Insurance (PMI) is—and what it isn't.

Think of PMI as a health plan that runs alongside the NHS, not as a replacement for it. Its primary purpose is to cover the costs of diagnosis and treatment for acute conditions that arise after you take out your policy.

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 cataracts, joint replacements, or hernia repairs.

The Most Important Thing to Understand: Exclusions

This is the single most critical point to grasp about standard UK private health cover:

  • PMI does NOT cover pre-existing conditions. If you have received medical advice, diagnosis, or treatment for a condition in the years before your policy starts (usually the last 5 years), it will be excluded from cover, at least initially.
  • PMI does NOT cover chronic conditions. A chronic condition is one that is long-lasting and requires ongoing management rather than a cure. Examples include diabetes, asthma, hypertension, and most types of arthritis. The NHS will continue to be your port of call for managing these.

PMI is designed for the "what ifs" of tomorrow, not the health issues of yesterday.

Covered by Standard PMINot Covered by Standard PMI
Acute Conditions (e.g., joint pain needing surgery)Chronic Conditions (e.g., diabetes, high blood pressure)
Diagnostic tests like MRI and CT scansPre-existing Conditions (illnesses you had before the policy)
Surgical procedures (e.g., hip replacement)A&E and emergency services
Cancer treatment (often a core feature)Normal pregnancy and childbirth
Mental health support (on many policies)Cosmetic surgery (unless medically necessary)
Specialist consultationsOrgan transplants

The State of UK Healthcare in 2026: Why Consider PMI?

To understand the value of PMI, we must look at the context of the UK's health landscape. The NHS is a world-class institution, but the strain is showing.

According to the latest available data from late 2024 and early 2025, the pressures are significant:

  • Waiting Lists: The number of people in England waiting for routine hospital treatment remains exceptionally high. NHS England data showed a referral-to-treatment (RTT) waiting list of over 7.5 million cases. While efforts are underway to reduce this, millions still face long waits for essential procedures.
  • Waiting Times: The target is for 92% of patients to wait less than 18 weeks from referral to treatment. In reality, this target hasn't been met for several years. A significant number of patients wait over a year for treatment.
  • Diagnostics: Waiting for key diagnostic tests like MRI scans, CT scans, and endoscopies is a major bottleneck. Delays in diagnosis can lead to poorer health outcomes and increased anxiety.
  • Cancer Care: While urgent cancer referrals are prioritised, targets for starting treatment within 62 days are frequently missed, as reported by organisations like Cancer Research UK.

This isn't a criticism of the hardworking NHS staff. It's a reflection of a system dealing with rising demand, an ageing population, and resource constraints. For many, the long waits are a source of worry, discomfort, and potential loss of income—and this is the primary driver behind the growing interest in private medical insurance in the UK.

The Powerful Pros of Private Health Insurance

So, what are the tangible benefits of paying for a private policy? If you develop a new, acute condition, PMI offers four key advantages: Speed, Choice, Comfort, and Enhanced Care.

1. Speed of Access

This is the number one reason people buy PMI. Instead of waiting months for a diagnosis or surgery on the NHS, you can often be seen by a specialist and receive treatment within weeks.

  • Real-Life Example: Imagine you develop severe knee pain that impacts your work and daily life.
    • On the NHS: You see your GP, who refers you to a specialist. You might wait several months for that appointment, then several more for an MRI scan, and then potentially over a year for knee replacement surgery.
    • With PMI: You get a GP referral, and your insurer authorises a consultation with a private orthopaedic surgeon, often within a week. An MRI can be arranged in days. If surgery is needed, it can be scheduled at your convenience, often within a few weeks.

2. Choice and Control

PMI puts you in the driver's seat. You get a level of choice that the NHS, due to its scale, simply cannot offer.

  • Choice of Specialist: You can research and choose the consultant you want to see, based on their reputation and specialism.
  • Choice of Hospital: Your policy will include a list of high-quality private hospitals. You can choose where you receive treatment, perhaps closer to home or work.
  • Choice of Timing: You can schedule appointments and procedures at times that suit you, minimising disruption to your work and family life.

3. Comfort and Privacy

The environment in which you recover can make a real difference. Private hospitals typically offer:

  • A private en-suite room.
  • More flexible visiting hours for family and friends.
  • A la carte menus and other hotel-like comforts.

4. Access to Specialist Drugs and Treatments

Sometimes, a new drug or treatment is approved for use by the National Institute for Health and Care Excellence (NICE) but isn't yet funded or available on the NHS. Many comprehensive PMI policies will cover these, giving you access to the very latest medical advancements.

5. Enhanced Mental Health Support

In recent years, insurers have vastly improved their mental health cover. Many policies now provide access to talking therapies, counselling, and psychiatric support with much shorter waiting times than are often available through the NHS.

6. Digital GP and Wellness Benefits

Modern PMI is about proactive health, not just reactive treatment. Most policies now include:

  • 24/7 Digital GP: Speak to a GP via phone or video call anytime, often getting a same-day appointment.
  • Wellness Programmes: Insurers like Vitality are famous for rewarding healthy living with perks like discounted gym memberships, free cinema tickets, and coffee.
  • Health Support Tools: As a WeCovr client, for example, you get complimentary access to our AI-powered nutrition app, CalorieHero, to help you manage your diet and health goals.

The Honest Cons of Private Health Insurance

It's not all plain sailing. PMI has significant drawbacks that you must consider before committing.

1. The Cost

Private health cover is a serious financial commitment. Premiums are paid monthly or annually and can be substantial. They also increase over time. We will cover costs in detail in the next section.

2. The Exclusions (It's Worth Repeating!)

This is where many people get caught out. It's vital to be realistic about what PMI is for.

  • Chronic Conditions are NOT covered: If you need long-term management for diabetes, asthma, high blood pressure, or Crohn's disease, you will rely on the NHS.
  • Pre-existing Conditions are NOT covered: If you've had symptoms or treatment for a condition before taking out the policy, it won't be covered for a set period (usually two years), if at all.
  • Standard Exclusions: Every policy has a list of things it won't cover, such as A&E visits, routine pregnancy, cosmetic surgery, and drug and alcohol rehabilitation.

3. Premium Increases

Your premium is almost guaranteed to go up each year. This happens for two main reasons:

  • Age: As you get older, the statistical risk of you needing medical treatment increases, so your base premium rises.
  • Claims: If you make a claim, you may lose your No Claims Discount, leading to a higher renewal price. General medical inflation (the rising cost of treatments) also pushes premiums up across the board.

4. Policy Complexity

The world of PMI is filled with jargon: moratoriums, excesses, hospital lists, 6-week options. It can be bewildering. This is where an independent PMI broker like WeCovr provides immense value. We translate the jargon and compare policies from across the market to find the one that actually matches your needs, at no extra cost to you.

How Much Does Private Health Insurance Cost in the UK in 2026?

The cost of a PMI policy is highly personal. It depends on a range of factors, but the table below gives a good estimate of what you might expect to pay per month in 2026 for a new policy.

Estimated Monthly PMI Premiums (Non-Smoker, £250 Excess)

AgeBasic Cover (Inpatient only)Mid-Range Cover (+ Outpatient)Comprehensive Cover
30£30 - £45£50 - £70£80 - £110
40£40 - £60£65 - £90£100 - £140
50£60 - £85£90 - £130£150 - £200+
60£90 - £130£140 - £190£220 - £300+

Disclaimer: These are illustrative estimates. Your actual quote will depend on the specific factors below.

Key Factors That Influence Your Premium

  1. Age: The older you are, the higher the premium. This is the single biggest factor.
  2. Location: Living in London and the South East is typically more expensive due to higher hospital costs.
  3. Level of Cover:
    • Basic: Covers treatment only when you are admitted to a hospital bed (inpatient).
    • Mid-Range: Adds cover for outpatient diagnostics and consultations.
    • Comprehensive: Adds therapies (physio, osteo), mental health, and other extras.
  4. Excess (illustrative): This is the amount you agree to pay towards a claim. A higher excess (£500 or £1,000) will lower your monthly premium.
  5. Hospital List: Insurers offer different tiers of hospitals. A policy that includes prime central London hospitals will cost more than one with a national network of private hospitals.
  6. Underwriting:
    • Moratorium (Most Common): You don't declare your medical history upfront. The insurer automatically excludes anything you've had issues with in the last 5 years.
    • Full Medical Underwriting (FMU): You complete a full health questionnaire. It takes longer, but you have certainty from day one about what is and isn't covered.

Is PMI a Good Investment for You? Real-Life Scenarios

Whether PMI is "worth it" depends entirely on your personal circumstances, finances, and attitude to risk.

Scenario 1: The Self-Employed Professional (Anya, 42)

Anya is a graphic designer. If she can't work due to illness, her income stops. A long NHS wait for something like carpal tunnel surgery would be financially devastating. For her, a mid-range PMI policy costing £80 a month is a worthwhile business expense. It acts as an insurance policy for her earnings, ensuring she can get treated quickly and get back to work.

Scenario 2: The Young Family (The Patels)

The Patels have two young children. They are worried about waiting times for paediatric specialists if one of their children develops an issue. They opt for a family policy. While they could afford the wait themselves, the peace of mind of knowing their children can get fast access to care is, for them, worth the £120 monthly premium. (illustrative estimate)

Scenario 3: The Active Retiree (David, 65)

David loves hiking and gardening. He's concerned that a joint problem, like a worn-out hip, could put an end to his active lifestyle while he sits on a waiting list. He takes out a comprehensive policy. The premium is high (around £250/month), but he sees it as an investment in his quality of life for the next 10-15 years. (illustrative estimate)

Scenario 4: The Person on a Tight Budget (Chloe, 28)

Chloe is starting her career and has student loans to pay. While the idea of fast-track healthcare is appealing, a £40 monthly premium is a stretch. In her case, building up an emergency savings fund might be a more practical first step. She could reconsider PMI in a few years when her financial situation is more stable. (illustrative estimate)

Beyond Insurance: A Holistic Approach to Your Health

At WeCovr, we believe insurance is just one part of your wellness journey. The best way to manage your health is to take proactive steps every day.

  • Diet: A balanced diet rich in whole foods is the foundation of good health. Using a tool like WeCovr's complimentary CalorieHero app can help you understand your nutritional intake and make smarter choices.
  • Activity: Aim for at least 150 minutes of moderate-intensity exercise per week, as recommended by the NHS. This could be brisk walking, cycling, or swimming.
  • Sleep: Prioritise 7-9 hours of quality sleep per night. It's crucial for mental and physical recovery.
  • Mental Wellbeing: Make time for activities that reduce stress, whether it's mindfulness, hobbies, or spending time in nature.

When you invest in your health through a policy with us, we also offer discounts on other types of cover, such as life or income protection insurance, helping you build a complete financial safety net for your family.

Our Verdict: Is Private Health Insurance Worth It in 2026?

After weighing the pros, cons, and costs, our honest assessment is this:

Private Medical Insurance is worth it in 2026 for individuals, families, and business owners who value speed, choice, and peace of mind, and whose finances can comfortably accommodate the long-term cost.

It is a luxury, not an essential. It provides a valuable alternative pathway for non-urgent, acute conditions, allowing you to bypass long NHS waits. It is an excellent complement to the NHS, not a replacement.

However, PMI is likely not worth it if:

  • Your budget is tight, and the premium would cause financial stress.
  • You are primarily concerned about a chronic or pre-existing condition (as it won't be covered).
  • You have a high tolerance for waiting and have full faith in the NHS to meet your needs in its own time.

The decision is deeply personal. The best first step is to understand exactly what a policy would cost you and what it would cover.

Do I still need the NHS if I have private health insurance?

Absolutely, yes. Private medical insurance (PMI) is designed to work alongside the NHS, not replace it. You will still rely on the NHS for accident and emergency services, treatment for chronic long-term conditions like diabetes or asthma, and for any pre-existing conditions that are excluded from your private policy.

What is the difference between moratorium and full medical underwriting?

These are two ways insurers assess your medical history. With Moratorium (Mori) underwriting, you don't answer health questions upfront. The policy automatically excludes any condition you've had symptoms, treatment, or advice for in the 5 years before starting. With Full Medical Underwriting (FMU), you disclose your full medical history on an application form. FMU takes longer but gives you complete certainty from day one about what is covered.

Will my private health insurance premium go up every year?

It is very likely, yes. Premiums tend to increase each year for two main reasons. Firstly, as you get older, your premium will rise to reflect the increased statistical likelihood of you needing treatment. Secondly, factors like general medical inflation (the rising cost of healthcare) and any claims you make on your policy can also lead to a higher renewal price.

Ready to Find Out More?

The best way to know if private medical insurance is right for you is to see what's available.

At WeCovr, our friendly, expert advisors can give you a free, no-obligation comparison of the UK's leading insurers. We'll help you understand the options and find a policy that fits your life and your budget. It costs you nothing to get our advice.

[Get Your Free, Personalised PMI Quote Today]

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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