Martin Lewis's Key Advice on Private Health Insurance — Explained and Expanded: The Ultimate UK Guide for 2025

TL;DR Summary

Martin Lewis's core PMI advice: Only buy if NHS waits would seriously impact your life/livelihood and you can afford long-term premiums. Use specialist brokers for whole-market comparison, consider six-week options and higher excesses to cut costs, never switch if you've recently claimed, and haggle at renewal.

2025 UK context: Record PMI uptake (7.6 million covered) driven by NHS waiting lists hitting 7.36 million cases. Average PMI costs: £79.59/month individual, £146/month couple, £166/month family. Private procedures range from £249 MRI scans to £22,000 major surgery. Specialist brokers like WeCovr provide impartial whole-market advice to navigate many insurers and hundreds of policy variations.

Market Context: NHS Pressures Drive PMI Growth

NHS Waiting Lists at Record Highs

The NHS faces unprecedented demand in 2025. Latest statistics show 7.36 million cases waiting for planned treatment in England as of May 2025, with just over 60% waiting 18 weeks or less. This represents a dramatic increase from pre-pandemic levels, with 197,000 patients waiting over a year for treatment.

Diagnostic waits compound the problem, with patients facing extended delays for crucial tests including MRI scans, CT scans, and specialist consultations. Emergency department performance remains under strain, with 24.4% of patients waiting longer than four hours in A&E in June 2025.

PMI Market Reaches Record Size

The UK private medical insurance market has responded to NHS pressures with explosive growth. A record 7.6 million adults in the UK hold Private Medical Insurance (PMI). The data shows that 14% of the UK adult population now hold Private Medical Insurance (PMI), a total of 7.6 million people which has increased from 6.7 million in 2020. Health insurance is most popular among those in the middle of their career with 18% (1.7 million adults) of those aged 35-44 and 19% (1.6 million adults) of those aged 45-54 holding a PMI product.

Claims Activity Surges

PMI usage has intensified alongside uptake. Claims increased 21% to 1.7 million in 2023, with workplace schemes driving a 26% rise to 1.3 million claims. Insurers paid out a record £3.57 billion - equivalent to £9.8 million daily.

Private hospital admissions reached 920,000 in 2023, with over 1.1 million private diagnostic scans and tests delivered in 2024. This surge reflects patients' determination to bypass NHS delays through private treatment.

Martin Lewis's Core PMI Philosophy

The Fundamental Question: Do You Need It?

Martin Lewis approaches private medical insurance with characteristic pragmatism. His foundational advice centres on three critical questions:

Can you afford NHS care delays? For most people, the NHS provides adequate treatment eventually. PMI's primary value is speed and choice, not necessarily superior clinical outcomes.

Could you self-insure instead? Rather than paying premiums, Lewis suggests considering setting aside equivalent amounts monthly into savings. If you don't need private care, the money remains yours - unlike insurance premiums.

Are you covered through work? Employer schemes often provide better value through bulk-buying power, but Lewis warns about portability risks - if you claim then leave your job, continuing cover for that condition may prove difficult or expensive.

The "Luxury vs Necessity" Perspective

Lewis consistently frames PMI as a "luxury" rather than essential protection. Unlike home or car insurance covering catastrophic financial risks, PMI typically covers treatments the NHS will eventually provide free. The value proposition is convenience, choice, and speed rather than financial protection from unaffordable costs.

However, Lewis acknowledges PMI's growing relevance as NHS waits extend. For those whose livelihoods depend on physical mobility or who face genuine hardship from delayed treatment, PMI transitions from luxury to practical necessity.

Martin Lewis's Key PMI Money-Saving Strategies

1. Use Specialist Brokers for Market Comparison

Lewis strongly advocates using specialist brokers rather than direct purchase. Brokers access the entire market, often securing better rates than direct approaches. They understand policy nuances that significantly impact value.

WeCovr exemplifies this approach, offering whole-market comparison across all the leading insurers with no fees to clients. As an FCA-authorised broker having arranged over 800,000 policies, WeCovr provides expertise crucial for navigating complex policy variations.

2. Strategic Use of Excesses

Lewis highlights excess selection as a primary cost-control mechanism. Examples from his research show policies costing £31/month with no excess dropping to £21/month with a £500 excess - a one-third saving.

Excess structures vary significantly:

Per claim: You pay the excess for each unrelated treatment
Per policy year: Excess applies only to the first claim annually
Percentage-based: Some insurers like WPA offer "shared responsibility" where you pay a percentage (e.g., 25%) up to a cap

Lewis suggests hybrid strategies: combine high-excess policies with dedicated savings for minor treatments, keeping premiums low while maintaining coverage for major procedures.

3. The Six-Week Option Explained

The six-week option significantly reduces premiums by using NHS treatment when available within six weeks. This particularly benefits conditions where NHS performance typically meets the six-week threshold, such as cancer and cardiac care.

How it works:

If NHS can provide treatment within six weeks, you use NHS care
If NHS waiting exceeds six weeks, private treatment activates
Outpatient benefits (consultations, scans) remain unaffected

Considerations:

May prevent access to your preferred consultant
Could result in NHS rather than private facilities for serious conditions
Effectiveness depends on accurate NHS waiting time predictions

4. Negotiation at Renewal

Lewis emphasises renewal haggling as essential. PMI premiums typically rise annually above inflation due to:

Age-band progressions
Medical cost inflation
Claims experience adjustments

Effective negotiation strategies:

Obtain quotes from competitors before renewal discussions
Highlight loyalty and claims-free periods
Consider policy adjustments (higher excess, restricted hospitals) for savings
Use broker expertise to present alternatives effectively

5. Switching Cautions for Recent Claimants

Lewis provides crucial warnings about switching insurers after recent claims. New insurers typically exclude conditions for which you've received treatment in the preceding 2-7 years (varies by policy). This can lock you into your current provider for ongoing conditions.

Safe switching criteria:

No claims for 2+ years on the condition in question
Clean claims history across all conditions
Understanding of new policy exclusions before committing

Alternative strategies for recent claimants:

Negotiate improvements with current insurer
Accept premium increases rather than losing condition coverage
Consider enhanced benefits rather than cost savings

6. Guided vs Open Provider Networks

Lewis identifies consultant selection as a key cost variable. Insurers offer:

Guided/Directed options: Insurer selects specialists from approved networks, typically 20% cheaper than open choice Open consultant lists: Full choice but higher premiums and potential top-up fees for premium specialists

For most conditions, guided options provide excellent care while controlling costs.

Complete Guide to PMI Coverage and Exclusions

What PMI Covers: Acute Conditions Focus

UK private medical insurance follows a fundamental principle: coverage for acute conditions that arise after your policy begins. Acute conditions are defined as:

Sudden onset (excluding emergencies requiring A&E)
Treatable/curable with defined treatment courses
Short-term rather than requiring lifelong management
Responsive to intervention with clear recovery expectations

Typical covered conditions include:

Musculoskeletal problems (joint issues, back pain)
Digestive disorders (gallstones, hernias)
Heart/circulatory diseases (coronary interventions)
Cancer diagnosis and treatment
Eye/ear conditions requiring surgical intervention
Gynaecological conditions
Urological problems

Standard Exclusions Across UK Policies

Pre-existing Conditions: Any condition for which you've experienced symptoms, received treatment, medication, or advice in the five years preceding policy commencement. This represents the single largest exclusion category.

Chronic Conditions: Lifelong, incurable conditions requiring ongoing management:

Diabetes, asthma, arthritis
Heart disease, hypertension
Mental health conditions (depression, anxiety)
Autoimmune disorders
Neurological conditions

Emergency Treatment: A&E attendance, ambulance services, and immediate life-saving interventions remain NHS responsibilities.

Routine/Preventive Care:

Health screenings, routine check-ups
Vaccinations, health monitoring
GP consultations (unless virtual GP included)
Annual medical examinations

Pregnancy and Fertility:

Normal pregnancy and childbirth
Fertility investigations and treatments
Routine antenatal care
IVF and associated procedures

Mental Health Limitations: While improving, mental health coverage often includes:

Limited counselling sessions (typically 6-12 annually)
Exclusions for personality disorders
Restrictions on long-term therapy
Inpatient psychiatric care limitations

Cosmetic Surgery: Unless medically necessary following:

Cancer treatment (reconstructive surgery)
Accident-related trauma
Congenital defects affecting function

Dental and Optical: Routine dental care, eye tests, glasses, and contact lenses typically excluded unless purchased as specific add-ons.

Understanding PMI Underwriting Types

Moratorium Underwriting: The Quick Start Option

Moratorium underwriting requires minimal medical disclosure at application, making it faster and simpler initially. However, it applies a rolling exclusion period for pre-existing conditions.

How it works:

Five-year lookback: Conditions with symptoms/treatment in the five years pre-policy are excluded
Two-year clear period: After two years symptom-free, condition coverage may commence
Rolling basis: The two-year clock restarts if symptoms/treatment resume

Advantages:

Quick application process
No medical questionnaires or GP reports
Immediate policy commencement
Potential future coverage for past conditions

Disadvantages:

Uncertainty about coverage until claiming
Slower claims processing (medical history review required)
All recent conditions automatically excluded initially
Risk of claim rejection during moratorium period

Full Medical Underwriting: Complete Transparency

Full Medical Underwriting (FMU) requires comprehensive medical disclosure before policy commencement. Insurers assess your complete health picture to determine coverage terms.

Process involves:

Detailed medical questionnaire completion
GP medical report provision (often required)
Specialist reports for significant conditions
Possible medical examinations for high-value policies

Advantages:

Complete clarity about coverage from day one
Faster claims processing (medical history pre-assessed)
No uncertainty about exclusions
Personalized policy terms based on individual risk

Disadvantages:

Lengthy application process (potentially weeks)
Permanent exclusions for identified conditions
Higher premiums possible for health issues
Detailed medical disclosure requirements

Continued Personal Medical Exclusions (CPME)

CPME applies when switching from an FMU policy to another insurer. The new insurer attempts to match your current terms, excluding conditions already excluded rather than starting fresh underwriting.

Benefits:

Maintains existing coverage for previously accepted conditions
Reduced application complexity vs. full FMU
Continuity of care for established conditions
Simplified switching process

Limitations:

Only available when switching from FMU policies
New insurer's acceptance not guaranteed
Exclusions may be interpreted differently
Limited to conditions already under management

Medical History Disregarded (MHD)

MHD policies ignore medical history entirely, providing comprehensive coverage regardless of pre-existing conditions. However, availability is extremely limited.

Typically available only for:

Large corporate schemes (100+ employees)
Continuation from group to individual policies
Specific high-value arrangements

Characteristics:

No medical questions or exclusions
Significantly higher premiums to offset risk
Full coverage including pre-existing conditions
Limited insurer appetite for individual policies

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Step-by-Step Guide: How to Buy PMI

Step 1: Needs Assessment

Define your priorities:

Primary concerns (specific conditions, general peace of mind)
Family vs. individual coverage requirements
Budget constraints and premium tolerance
Geographic preferences (local vs. national hospital access)

Consider your health status:

Current conditions requiring ongoing management
Family medical history suggesting future risks
Lifestyle factors affecting health (smoking, sports, occupational hazards)
Age and life stage requirements

Step 2: Coverage Configuration

Core coverage decisions:

Hospital Lists:

Local/regional networks (lower cost)
National extended networks (higher cost, more choice)
London inclusion (significant premium impact)

Outpatient Benefits:

No outpatient cover (inpatient only, 50% cheaper)
Limited outpatient (consultations only)
Comprehensive outpatient (tests, scans, therapy included)

Excess Levels:

£0 excess (highest premiums)
£250-500 (balanced approach)
£1000+ (significant savings, major procedures only)

Optional Extras:

Mental health enhancement
Dental/optical add-ons
Alternative therapies
Travel/overseas cover

Step 3: Market Comparison Through Specialist Brokers

Why use specialist brokers like WeCovr:

Whole-market access: Compare all the major insurers simultaneously
Expert interpretation: Understanding policy nuances beyond headline features
Cost optimization: Access to preferential rates and special offers
Ongoing support: Claims assistance and renewal guidance
No fees: Service funded by insurers, not clients

Information required for accurate quotes:

Personal details (age, postcode, occupation)
Basic health questionnaire responses
Coverage preferences and budget parameters
Family composition if seeking family cover

Step 4: Application and Underwriting

Underwriting selection: Choose between moratorium and full medical based on:

Health history complexity
Preference for certainty vs. speed
Risk tolerance for claim rejections
Time constraints for policy commencement

Application accuracy: Ensure complete honesty in all disclosures. Non-disclosure can void entire policies and affect future insurance availability across the market.

Documentation preparation:

Recent GP notes summary
Hospital discharge summaries for significant treatments
Specialist reports for ongoing conditions
Prescription medication lists

Step 5: Policy Activation and Claims Procedures

Pre-authorization requirements: Most insurers require advance approval for treatment. Typical process:

GP referral (required for most claims)
Contact insurer claims team
Provide treatment details and proposed consultant
Await authorization confirmation
Proceed with approved treatment

Claims submission: Maintain detailed records including:

Treatment invoices and receipts
Medical reports and discharge summaries
Correspondence with healthcare providers
Insurance company communications

Direct billing arrangements: Many providers offer direct settlement with approved hospitals and consultants, eliminating upfront payment requirements.

Verified UK Private Healthcare Costs 2024-2025

Diagnostic Procedures

MRI Scans: £249-£2,000 (average £395)

Single body part: £249-£575 depending on timing
Full body screening: £765-£1,345
Specialist cardiac MRI: £750+
Multi-parametric prostate MRI: £650-£795

CT Scans: £445-£1,500 (average £650)

Standard imaging: £445-£800
Contrast-enhanced studies: Additional £125-£200
Specialist protocols: £1,000+

Ultrasound Studies: £175-£600 (average £300)

Abdominal/pelvic scans: £175-£350
Cardiac echocardiogram: £295-£800
Specialist Doppler studies: £400-£600

Other Diagnostic Tests:

X-rays: £99-£250
DEXA bone density: £145-£300
Blood test panels: £50-£200
Endoscopy: £800-£1,500
Colonoscopy: £1,200-£2,500

Surgical Procedures

Ophthalmology:

Cataract surgery (standard lens): £1,995-£4,000 per eye
Cataract surgery (premium lens): £3,195-£4,750 per eye
Average costs: £2,990 standard, £3,995 premium

Orthopaedic Surgery:

Hip replacement: £12,549-£18,405 (average £14,412)
Knee replacement: £12,549-£17,430 (average £14,995)
Practice Plus Group offers fixed pricing: £12,549 nationwide

General Surgery:

Hernia repair: £3,500-£8,000
Gallbladder removal: £4,500-£12,000
Appendicectomy: £3,000-£8,000
Tonsillectomy: £2,500-£6,000

Cardiac Procedures:

Cardiac catheterisation: £8,000-£18,000
Angioplasty: £12,000-£25,000
Bypass surgery: £20,000-£40,000

Oncology:

Chemotherapy (per cycle): £800-£2,500
Radiotherapy (complete course): £5,000-£15,000
Complex cancer surgery: £15,000-£50,000

Consultation and Therapy Costs

Specialist Consultations:

Initial consultation: £150-£445 (average £225)
Follow-up consultation: £75-£200 (average £125)
Second opinions: £200-£400

Therapy Services:

Physiotherapy: £60-£120 per session
Mental health counselling: £80-£150 per session
Osteopathy/chiropractic: £50-£100 per session

Regional Cost Variations

London Premium: Private healthcare costs in London typically exceed national averages by:

Diagnostics: +20-30%
Surgery: +20-25%
Consultations: +25%
Specialist procedures: +30%

Regional Savings: Outside London, costs may be:

North East: -10-15% below national average
Scotland/Wales: -5-10% below average
Midlands: -5% below average
South East (excluding London): +15% above average

UK Private Hospital Landscape

London's Premier Hospitals

HCA Healthcare UK operates London's most prestigious private hospital network, with 56% of facilities rated 'Outstanding' by CQC. Key facilities include:

The London Clinic: Comprehensive services across cancer, gastroenterology, orthopaedics, and urology The Cromwell Hospital: Specialises in neurosurgery, cardiology, complex orthopaedics, and oncology London Bridge Hospital: Known for complex cancer treatment, cardiac services, and liver/renal programmes The Portland Hospital: UK's leading private maternity and children's hospital The Wellington Hospital: Europe's largest private hospital, specialising in neurology and spinal services

National Hospital Groups

Spire Healthcare: Operates 39 hospitals nationwide with strong orthopaedic and cardiac capabilities. Spire Manchester Hospital maintains 'Outstanding' CQC rating.

Nuffield Health: 100% of hospitals rated 'Good' or 'Outstanding' by CQC in 2022. Comprehensive network covering all major UK regions.

BMI Healthcare: Extensive network with particular strength in regional centres and specialist cancer services.

Practice Plus Group: Offers competitive fixed-pricing across multiple locations with strong NHS partnerships.

Specialist Centres of Excellence

Cardiac Care:

Royal Brompton & Harefield: World-leading heart and lung centre
The Heart Hospital (UCL): Advanced cardiac interventions
Bristol Heart Institute: Renowned cardiac surgery programmes

Cancer Treatment:

The Royal Marsden Private Care: International oncology reputation
Genesis Care centres: Comprehensive radiotherapy networks
Specialist cancer units within major hospital groups

Orthopaedics:

Multiple hospitals excel in joint replacement surgery
Leading providers for hip/knee operations achieve top health gain scores
Regional centres often match London quality at lower costs

Quality Indicators

CQC Ratings: 94% of IHPN (Independent Healthcare Providers Network) members rated 'Good' or 'Outstanding', demonstrating sector-wide quality commitment.

Patient Satisfaction: 98% of NHS patients treated in independent providers rate care as good/very good.

Accreditation: Over half of UK's JAG-accredited diagnostic sites are independent providers, indicating high technical standards.

Employer PMI vs Individual Policies

Employer PMI: Tax and Benefits Structure

For Employers:

PMI premiums are fully tax-deductible business expenses
Class 1A National Insurance Contributions apply at 13.8% on the benefit value
Insurance Premium Tax (IPT) at 12% included in premiums
Corporation tax relief available on all associated costs

For Employees:

PMI benefit is taxable income reported on P11D forms
Income tax payable at marginal rate on benefit value
No employee National Insurance on the benefit itself
Tax collected through adjusted PAYE codes in following tax year

Example Tax Impact:

Employee earning £40,000 with £800 PMI benefit
Additional income tax: £160 (at 20% basic rate)
Employer Class 1A NIC: £110.40 (13.8% of £800)
Employee's effective cost: £160 vs. £960+ for equivalent individual policy

Employer Scheme Advantages

Cost Efficiency: Bulk purchasing power often reduces premiums by 20-40% compared to individual policies.

Simplified Underwriting: Large schemes may use Medical History Disregarded underwriting, covering all employees regardless of health status.

Enhanced Benefits: Corporate schemes often include:

Comprehensive mental health support
Employee Assistance Programmes
Wellness programmes and health screenings
Family coverage at preferential rates

Administrative Support: HR teams handle policy administration, claims guidance, and renewal processes.

Individual Policy Considerations

Portability: Individual policies continue regardless of employment changes, providing security for those with active conditions.

Customization: Full control over coverage levels, excesses, and optional benefits to match personal needs and budget.

Underwriting Choice: Selection between moratorium and full medical underwriting based on personal circumstances.

Claims Privacy: No employer awareness of claims activity or health conditions.

Transition Strategies

Leaving Employer Schemes:

Continuation options: Some insurers allow transition from group to individual terms
Medical underwriting: New individual policies subject to current health assessment
CPME opportunities: Continued Personal Medical Exclusions may preserve existing condition coverage

Timing Considerations: Evaluate transition timing to minimize gaps and maintain condition coverage where possible.

Frequently Asked Questions

1. Will PMI cover my pre-existing condition?

Generally no. UK PMI is designed for acute conditions arising after your policy begins. Pre-existing conditions (symptoms/treatment in the five years before policy commencement) are typically excluded.

Exceptions: Some insurers may cover pre-existing conditions after a symptom-free period under moratorium underwriting, typically two years. Employer schemes with Medical History Disregarded underwriting may cover all conditions regardless of history.

2. How does the excess work on PMI policies?

Excess types:

Per claim: You pay the excess for each separate treatment episode
Per policy year: Excess applies only to the first claim in any 12-month period
Percentage-based: Some insurers charge a percentage (e.g., 25%) of claim costs up to a maximum

Typical ranges: £0-£1,000+ with higher excesses significantly reducing premiums. A £500 excess can reduce premiums by approximately one-third.

3. What is the six-week option and should I choose it?

The six-week option reduces premiums by using NHS treatment when available within six weeks of referral. You access private treatment only when NHS waits exceed six weeks.

Best for: Conditions where NHS typically performs well (cancer, cardiac care) Consider carefully for: Elective procedures with long NHS waits (orthopaedics, routine surgery) Limitations: May prevent access to preferred consultants and private facilities even for serious conditions

4. How long are PMI waiting periods?

Standard policies: No waiting periods for new acute conditions arising after policy commencement.

Moratorium underwriting: Two-year exclusion period for pre-existing conditions, potentially reducing to coverage if symptom-free.

Specific exclusions: Some policies have 12-month waiting periods for conditions like hernias or varicose veins to prevent immediate claiming.

5. Does PMI cover cancer treatment comprehensively?

Most PMI policies provide excellent cancer coverage including:

Diagnostic imaging and biopsies
Surgical procedures and complex operations
Chemotherapy and radiotherapy
Biological therapies and immunotherapy
Follow-up care and monitoring

Limitations: Some policies cap drug costs or limit treatment locations. Enhanced cancer cover add-ons may be worth considering for comprehensive protection.

6. Can I use the NHS alongside my PMI?

Absolutely. PMI complements rather than replaces NHS care:

GP services: Usually remain with NHS (unless virtual GP included)
Emergencies: Always use NHS A&E and emergency services
Chronic conditions: NHS continues managing excluded long-term conditions
Choice flexibility: Use NHS for some treatments, PMI for others as preferred

7. What if my PMI claim is rejected?

Immediate steps:

Request detailed explanation of rejection reasons
Review policy terms and exclusions carefully
Gather additional medical evidence if relevant
Consider second opinion if clinical necessity disputed

Escalation options:

Insurer's formal complaints procedure
Financial Ombudsman Service for unresolved disputes
Legal advice for complex cases

Common rejection reasons: Pre-existing condition exclusions, non-covered treatments, missing pre-authorization, or disclosure issues.

8. How do PMI renewals work and why do premiums increase?

PMI policies renew annually with premiums typically increasing due to:

Age banding: Moving into higher-risk age categories
Medical inflation: Rising treatment costs industry-wide
Claims experience: Individual and pool claims affecting pricing
Insurance Premium Tax: Currently 12% on all premiums

Renewal strategies: Compare alternatives, negotiate with current insurer, adjust coverage terms, or use specialist brokers for market evaluation.

How WeCovr Can Help You Navigate PMI

As the UK's leading specialist PMI broker, WeCovr provides comprehensive, impartial advice at no cost to you. Our FCA-authorised service has helped arrange over 800,000 policies, offering unparalleled expertise in navigating the complex private healthcare landscape.

Whole-Market Comparison: Access to all the leading insurers with hundreds of policy variations, ensuring you see all available options rather than single-company limitations.

Expert Guidance: Our specialists understand policy nuances, exclusions, and underwriting differences that significantly impact value and coverage.

Cost Optimization: Access to preferential rates and exclusive arrangements often unavailable through direct purchase.

Ongoing Support: Assistance with claims queries, renewals, and policy amendments throughout your coverage period.

No-Fee Service: Our advice costs nothing - we're compensated by insurers, meaning you pay the same premium (or less) whether you come to us or go direct.

Additional Benefits: WeCovr clients receive exclusive access to wellness programmes, second medical opinion services, and health monitoring tools.

Contact WeCovr today for a free, no-obligation consultation. Our experts will assess your needs, explain all available options, and help you secure the optimal private health insurance protection for your circumstances and budget.

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References

MoneySavingExpert - Private health insurance guide and cost-cutting strategies Nuffield Trust - NHS performance dashboard and waiting times statistics LaingBuisson - UK health cover market analysis 2024-25 Association of British Insurers - Private medical insurance data 2023 Clarity Health Insurance - Six-week option explanation GetScanned - Private MRI scan costs analysis Anderson Eye Care - Private cataract surgery costs UK Vista Health - Private diagnostic pricing information Independent Healthcare Providers Network - Annual report 2024-25 Practice Plus Group - Hip replacement costs explained

This guide provides general information about private medical insurance in the UK. Individual circumstances vary significantly, and professional advice should be sought before making insurance decisions. WeCovr provides free, FCA-regulated advice to help you find the most suitable private health insurance coverage for your specific needs.

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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.

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Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Martin Lewis's Key Advice on Private Health Insurance — Explained and Expanded: The Ultimate UK Guide for 2025