WeCovr.

Login

Is Private Medical Insurance a Taxable Benefit in the UK




Watch this on a dedicated video page
Scroll for the full guide
↓

TL;DR

WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, explains the tax implications of private medical insurance in the UK. Understanding if PMI is a taxable benefit is a vital step for employees, directors, and businesses considering this valuable health benefit. WeCovr explains PMI tax implications for employees, directors, and businesses Private Medical Insurance (PMI) is one of the most sought-after employee benefits in the UK.

Key takeaways

  • Prompt access to specialists and consultants.
  • Reduced waiting times for diagnostic tests and surgery.
  • Choice of leading hospitals and clinics.
  • A private room during hospital stays.
  • Access to new drugs or treatments not yet available on the NHS.

WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, explains the tax implications of private medical insurance in the UK. Understanding if PMI is a taxable benefit is a vital step for employees, directors, and businesses considering this valuable health benefit.

WeCovr explains PMI tax implications for employees, directors, and businesses

Private Medical Insurance (PMI) is one of the most sought-after employee benefits in the UK. It offers peace of mind and rapid access to high-quality medical care, bypassing long NHS waiting lists. But when your employer provides this cover, a common question arises: is it free?

The short answer is no. While you don't pay the premium directly, company-paid private health cover is considered a 'benefit-in-kind' by His Majesty's Revenue and Customs (HMRC). This means it has a cash value, and you will have to pay tax on it.

This guide will break down everything you need to know about the tax on private medical insurance, whether you're an employee, a company director, or a business owner looking to offer a competitive benefits package.

First, a Quick Reminder: What is Private Medical Insurance?

Before we dive into the tax details, let's clarify what PMI is and what it covers. Private Medical Insurance is a type of insurance policy designed to cover the costs of private healthcare for acute conditions that arise after you take out the 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 conditions like hernias, cataracts, or joint replacements.

Crucial Point: Standard private medical insurance in the UK does not cover pre-existing conditions (illnesses you already had before the policy started) or chronic conditions (long-term illnesses that require ongoing management, like diabetes or asthma). PMI is for new, treatable conditions.

Benefits of PMI typically include:

  • Prompt access to specialists and consultants.
  • Reduced waiting times for diagnostic tests and surgery.
  • Choice of leading hospitals and clinics.
  • A private room during hospital stays.
  • Access to new drugs or treatments not yet available on the NHS.

Is Company-Paid PMI a Taxable Benefit? The Simple Answer

Yes. When your employer pays for your private medical insurance policy, HMRC views it as an additional part of your overall salary package. This is known as a Benefit-in-Kind (BIK).

A benefit-in-kind is any non-cash benefit that has a monetary value. Common examples include a company car, a gym membership, or, in this case, a private health cover policy. Because these benefits have a value, they are subject to income tax.

The value of the benefit is simply the amount your employer pays for your annual PMI premium. This amount is reported to HMRC, and you pay tax on it accordingly.

How PMI Tax Works for Employees: A Step-by-Step Guide

If you're an employee receiving PMI as a perk, the process is managed through the PAYE (Pay As You Earn) system. Here’s how it works:

  1. Your Employer Pays the Premium: Your company pays the insurance provider directly for your health cover.
  2. The P11D Form: At the end of each tax year (which runs from 6th April to 5th April), your employer must report the value of any benefits-in-kind given to employees. They do this using a P11D form. The 'cash equivalent' of your PMI on this form is the total premium your employer paid for you that year.
  3. HMRC Calculates the Tax: HMRC uses the P11D information to calculate the tax you owe on the benefit. The amount of tax depends on your personal income tax bracket.
  4. Your Tax Code is Adjusted: HMRC will adjust your tax code for the following year to collect the tax owed. This means a slightly higher amount of tax will be deducted from your monthly salary to cover the PMI benefit. You won't receive a separate bill; it's collected automatically through your payroll.

Real-Life Example: Understanding the Cost

Let's look at how this plays out for two different employees, Ben and Chloe. Their employer provides a PMI policy that costs £1,000 per year. (illustrative estimate)

  • Ben is a basic-rate taxpayer (20%).

    • Illustrative estimate: Value of Benefit (P11D value): £1,000
    • Illustrative estimate: Tax owed: £1,000 x 20% = £200 per year (or £16.67 per month).

  • Chloe is a higher-rate taxpayer (40%).

    • Illustrative estimate: Value of Benefit (P11D value): £1,000
    • Illustrative estimate: Tax owed: £1,000 x 40% = £400 per year (or £33.33 per month).
Employee Tax RateAnnual Premium Cost (P11D Value)Annual Tax Owed by EmployeeApproximate Monthly Cost
Basic Rate (20%)£1,000£200£16.67
Higher Rate (40%)£1,000£400£33.33
Add'l Rate (45%)£1,000£450£37.50

As you can see, even though the benefit is "free" from your employer, you still pay for it through your taxes. The cost to you is still significantly less than if you were to buy the same policy personally.

The Role of National Insurance Contributions (NICs)

Tax isn't the only consideration; National Insurance also comes into play, but it affects the employer and employee differently.

  • For the Employee: Good news! As an employee, you do not have to pay any National Insurance contributions on the value of your PMI benefit. This is a key difference compared to receiving a cash salary bonus, where you would pay NICs.

  • For the Employer: The employer does have to pay National Insurance on the benefit. They pay Class 1A National Insurance Contributions (NICs) on the full value of the premium. For the 2024/2025 tax year, the Class 1A NICs rate is 13.8%.

Employer Cost Example

Let's use our £1,000 PMI premium again. (illustrative estimate)

  • Illustrative estimate: Premium Cost: £1,000
  • Illustrative estimate: Class 1A NICs owed by employer: £1,000 x 13.8% = £138
  • Total Cost to Employer (illustrative): £1,000 (premium) + £138 (NICs) = £1,138

This NIC payment is an additional cost for the business on top of the insurance premium itself.

PMI Tax Implications for Company Directors

For company directors who are also employees of their limited company, the rules are identical to those for any other employee.

  • The company pays the PMI premium.
  • This is treated as a benefit-in-kind and reported on the director's P11D form.
  • The director pays income tax on the value of the premium through their self-assessment tax return or an adjusted tax code.
  • The company pays Class 1A NICs on the premium.

This remains a tax-efficient way to provide health cover, as the company can still claim the costs as a business expense.

What about Sole Traders and Partnerships?

The situation is different for self-employed individuals like sole traders or those in a partnership. In these cases, you are the business. Therefore, you cannot treat your own private medical insurance as a business expense. If you buy PMI, you must pay for it from your post-tax profits or drawings. There is no tax relief available for a sole trader's personal PMI policy.

How PMI is Taxed from a Business Perspective

While offering PMI creates a tax liability for employees, it offers significant tax advantages for the business providing it.

The cost of the group PMI scheme, including both the premiums paid and the associated Class 1A NICs, is generally considered an allowable business expense.

This means the total cost can be deducted from the company's revenue before calculating its profit. This, in turn, reduces the company's final Corporation Tax bill.

Business Cost and Tax Relief Example

Let's assume a limited company provides a PMI policy costing £1,000 to an employee. The UK's main rate of Corporation Tax is 25%. (illustrative estimate)

Cost ComponentAmount
PMI Premium£1,000.00
Class 1A NICs (at 13.8%)£138.00
Total Deductible Expense£1,138.00
Corporation Tax Relief (at 25%)£284.50
Net Cost to Business£853.50

So, while the gross cost to the business is £1,138, the actual net cost after tax relief is only £853.50. This makes offering private medical insurance an extremely tax-efficient way for a company to reward and protect its staff. (illustrative estimate)

As an expert PMI broker, WeCovr can help businesses model these costs accurately when comparing quotes from the best PMI providers in the market, ensuring there are no financial surprises.

What if I Pay for My Own PMI Policy?

If you are not receiving PMI from an employer and decide to purchase a policy for yourself or your family, the situation is much simpler.

You pay the premiums from your personal, post-tax income. Because the money has already been taxed, there are no further tax implications. You cannot claim any tax relief on the premiums you pay for a personal policy.

Exploring Tax-Exempt Health and Wellness Benefits

Not all health-related benefits provided by an employer are taxable. HMRC provides exemptions for certain specific wellness perks designed to keep the workforce healthy and safe. These include:

  • Annual Health Screening: One health screening or medical check-up per employee, per year, is tax-exempt. This is aimed at spotting potential health issues early.
  • Eye Tests: If an employee is required to use a Visual Display Unit (VDU) for their job, the cost of an eye test is tax-free.
  • Welfare Counselling: If an employer provides access to a confidential counselling service for issues like stress or bereavement, this is usually exempt.
  • Overseas Medical Treatment: The cost of necessary medical treatment for an employee working abroad is tax-free.

It's important for businesses to distinguish between these exempt benefits and a comprehensive Private Medical Insurance policy, which is almost always taxable.

Beyond Tax: The True Value of Private Health Cover

While understanding the tax is crucial, it's only one part of the picture. The real value of private medical insurance UK lies in its ability to protect your health and wellbeing.

In an environment of growing pressure on the NHS, having an alternative can be invaluable. According to NHS England data, the median waiting time for consultant-led elective care can often stretch for many months, with millions of people on the overall waiting list.

PMI offers a solution by providing:

  • Speed: Get a diagnosis and start treatment in days or weeks, not months or years.
  • Choice: Select the specialist and hospital that best suits your needs.
  • Comfort: Recover in a private room with more flexible visiting hours.
  • Peace of Mind: Reduce the stress and anxiety associated with waiting for care.

For a business, a healthy workforce is a productive workforce. Offering PMI can lead to reduced absenteeism, higher morale, and a significant advantage in attracting and retaining top talent.

Taking a Holistic Approach to Your Health

At WeCovr, we believe that insurance is just one part of a healthy lifestyle. While PMI is your safety net for when things go wrong, proactive daily habits are your first line of defence.

  • Balanced Diet: A nutritious diet rich in fruits, vegetables, and whole grains is fundamental to good health. As a WeCovr client, you get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to help you stay on track.
  • Regular Activity: Aim for at least 150 minutes of moderate-intensity exercise per week, as recommended by the NHS.
  • Quality Sleep: Prioritise 7-9 hours of quality sleep per night to allow your body and mind to recover and recharge.
  • Stress Management: Incorporate mindfulness, hobbies, or simple breathing exercises into your day to manage stress levels.

When you purchase PMI or Life Insurance through WeCovr, we also offer exclusive discounts on other types of cover, helping you build a comprehensive protection plan for you and your family.

How WeCovr Can Help You Navigate the PMI Market

Choosing the right private medical insurance can feel overwhelming. The market is filled with different providers, policy types, and jargon. This is where an expert, independent broker like WeCovr makes all the difference.

  • For Individuals: We take the time to understand your personal needs and budget. We then compare policies from across the UK's leading insurers to find the perfect fit for you.
  • For Businesses: We help you design a group PMI scheme that aligns with your company's goals and budget. We explain all the costs, including the tax implications for both the business and your employees, providing clarity and confidence.

Our advice is impartial, and our service is provided at no cost to you. Our high customer satisfaction ratings reflect our commitment to finding the best possible outcomes for our clients.


Do I need to declare my company PMI on a self-assessment tax return?

Generally, no. If you are employed and pay tax through the PAYE system, your tax code will be adjusted automatically to account for the private medical insurance benefit. You usually only need to declare it on a self-assessment return if HMRC has specifically asked you to complete one, for example, if you are a company director or have complex tax affairs.

Is private medical insurance tax deductible for the self-employed?

For sole traders or those in a partnership, personal private medical insurance is not a tax-deductible expense. It must be paid for out of your post-tax earnings. However, if you operate as a limited company, the company can purchase a policy for you as a director/employee, and the premium can be treated as an allowable business expense for Corporation Tax purposes.

Does the tax I pay on PMI change if my family is on the policy?

Yes, it does. If your employer's policy also covers your partner or children, the total premium paid by your employer will be higher. This higher premium is the 'cash equivalent' of the benefit reported on your P11D form. As a result, the amount of income tax you pay on the benefit-in-kind will increase accordingly.

Is a health cash plan taxed in the same way as private medical insurance?

The tax treatment can differ. While comprehensive Private Medical Insurance (PMI) is almost always a taxable benefit-in-kind, some simpler health cash plans can be exempt if they fall below certain cost thresholds or are classified as trivial benefits. However, most employer-paid cash plans are also treated as a taxable benefit, just like PMI. It's always best to confirm the specific tax status of any plan with your employer or an advisor.

Ready to explore your private medical insurance options? The expert advisors at WeCovr are here to help. We compare the UK's leading providers to find a policy that fits your needs and budget, all at no cost to you.

Get your free, no-obligation PMI quote today and take the first step towards faster 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.
Get Quote

Related guides

How UK Private Health Insurance Companies Vet and Integrate New Medical Technologies and Treatment Paradigms for Policyholder Benefit
How UK Private Health Insurance Companies Vet and Integrate New Medical Technologies and Treatment Paradigms for Policyholder Benefit
Read more →
Is Private Health Insurance a Taxable Benefit in the UK
Is Private Health Insurance a Taxable Benefit in the UK
Read more →
10 Best Private Medical Insurance Providers in the UK: Latest 2026 Analysis
10 Best Private Medical Insurance Providers in the UK: Latest 2026 Analysis
Read more →
The Complete Guide to the UK's 10 Best Private Medical Insurance Providers 2026 Edition
The Complete Guide to the UK's 10 Best Private Medical Insurance Providers 2026 Edition
Read more →
The Complete Guide to the UK's 10 Best Private Medical Insurance Providers: 2026 Edition
The Complete Guide to the UK's 10 Best Private Medical Insurance Providers: 2026 Edition
Read more →
70% of Private Medical Treatments Now Insurance-Funded
70% of Private Medical Treatments Now Insurance-Funded
Read more →

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:

Our Group Is Proud To Have Issued 900,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

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.

Learn more

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2026 WeCovr. Made with in London