WeCovr.

Login

Medical Underwriting Explained Moratorium vs Full Medical Underwriting

Medical Underwriting Explained Moratorium vs Full Medical...

Navigating the world of private medical insurance (PMI) in the UK can feel complex, but understanding one key concept—medical underwriting—is the first step to clarity. As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr simplifies this process, ensuring you find the perfect cover.

Technical guide to underwriting options, advantages of each approach, how medical history affects coverage, and strategic selection based on health status

Choosing a private health insurance policy is one of the most significant decisions you can make for your and your family's wellbeing. With NHS waiting lists in England remaining a concern—with over 7.5 million treatment pathways incomplete as of early 2025 according to NHS England data—more people than ever are exploring the speed and choice offered by the private sector.

At the heart of any PMI application is the process of medical underwriting. This guide will demystify the two primary methods used by UK insurers: Moratorium and Full Medical Underwriting (FMU). We will explore what they are, how they differ, and most importantly, how to choose the right one for your personal circumstances.

What is Medical Underwriting for Private Health Insurance?

In simple terms, medical underwriting is the process an insurance company uses to understand your medical history and assess the level of risk they are taking on by insuring you. It helps them decide what they can and cannot cover.

It is absolutely vital to understand a fundamental principle of the UK private health insurance market from the outset:

Standard private medical insurance is designed to cover new, acute conditions that arise after your policy begins. It does not cover pre-existing conditions or chronic conditions.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a broken arm, appendicitis, or a cataract removal).
  • Chronic Condition: An illness that is long-lasting or recurring, which cannot be cured but can be managed (e.g., diabetes, asthma, arthritis, or high blood pressure). PMI will not cover the ongoing management of these conditions.

Underwriting is the mechanism insurers use to identify these pre-existing and chronic conditions to exclude them from your cover.

The Two Main Types of Underwriting: A Head-to-Head Comparison

UK insurers primarily offer two paths for underwriting your policy. Let's compare them side-by-side before diving into the details of each.

FeatureMoratorium UnderwritingFull Medical Underwriting (FMU)
Application ProcessQuick and simple. No medical questionnaire.Detailed medical questionnaire. May require GP report.
Speed of CoverAlmost instant. Cover can start the same day.Slower. Can take several weeks to get a decision.
PrivacyLess intrusive. No need to disclose history upfront.More intrusive. Requires full disclosure of your medical past.
Clarity of CoverPotential ambiguity. Exclusions are decided at the point of claim.Complete clarity. You know exactly what is excluded from day one.
Pre-existing ConditionsAutomatically excluded for a set period (usually 2 years). Can become eligible for cover later if you remain symptom-free.Explicitly excluded from the start, usually permanently.
Claims ProcessCan be slower, as the insurer investigates your history at the time of the claim.Generally faster and smoother, as underwriting is already complete.
Best For...People who are generally healthy, have no recent medical issues, and prioritise a quick start.People with a complex medical history who want absolute certainty about their cover from the outset.

Deep Dive: Moratorium Underwriting Explained

Moratorium underwriting is the most common type offered in the UK, favoured for its speed and simplicity. It's often called the "wait and see" approach.

How Does a Moratorium Work?

With a moratorium policy, you don't fill out a medical questionnaire. Instead, the insurer applies a blanket exclusion for any medical conditions for which you have experienced symptoms, received medication, or sought advice for in a set period before your policy started (typically the last 5 years).

This exclusion isn't necessarily permanent. The "moratorium period" comes into play, which is usually two years.

Here’s the key rule: If you go for two continuous years after your policy starts without having any symptoms, treatment, medication, or advice for that pre-existing condition, it may become eligible for cover under your policy.

Example: Sarah's Knee Pain

  • Before PMI: In 2024, Sarah visited her GP for occasional knee pain. She was advised to take ibuprofen and rest it.
  • Starts PMI: In January 2025, Sarah takes out a policy with moratorium underwriting. Her knee condition from 2024 is automatically considered pre-existing and is not covered.
  • The Moratorium Period: Sarah's knee feels fine. She doesn't see a doctor, take any medication, or have any symptoms related to her knee for two full years.
  • After Two Years: In February 2027, she starts experiencing severe knee pain again. Because she has passed the two-year clear period, she can now make a claim. The insurer will likely cover the investigation and treatment for this new flare-up.

However, if her knee had troubled her at any point during 2025 or 2026, the two-year "clock" would have reset.

Advantages of Moratorium Underwriting

  • Fast and Simple: You can often get cover in place on the same day you apply.
  • Less Intrusive: You don't have to dig through your medical records or try to remember every single doctor's visit from the past five years.
  • Potential for Cover: It offers a pathway for past conditions to become covered in the future, which is not usually possible with FMU.

Disadvantages of Moratorium Underwriting

  • Uncertainty at Claim Time: You only discover for sure if a condition is covered when you need to make a claim. This can lead to stress and disappointment if the claim is denied.
  • Slower Claims Process: When you claim, the insurer will investigate your medical history to see if the condition is pre-existing. This can delay your access to treatment.
  • The "Rolling" Nature: Any symptom or piece of advice, no matter how minor, can reset the two-year waiting period for that condition.

Deep Dive: Full Medical Underwriting (FMU) Explained

Full Medical Underwriting is the traditional, more detailed approach. Think of it as laying all your cards on the table before the policy begins.

How Does FMU Work?

When you apply for an FMU policy, you must complete a comprehensive questionnaire about your medical history and that of your family. You will be asked about:

  • Past illnesses and injuries
  • Surgeries you have had
  • Medications you have taken
  • Any symptoms you have sought advice for

Based on your answers, the insurer's underwriting team will review your application. They may also ask for your permission to obtain a report from your GP for more detail.

They will then issue their terms with specific, named exclusions on your policy certificate. For example, it might state, "No cover for any conditions related to the right knee" or "No cover for investigation or treatment of acid reflux."

Example: David's Past Back Injury

  • Before PMI: David suffered a slipped disc in 2023, which was resolved with physiotherapy.
  • Starts PMI: In 2025, David applies for a policy with Full Medical Underwriting. He declares the slipped disc on his application form.
  • Underwriting Decision: The insurer reviews his history. They issue a policy with a clear, written exclusion: "No cover will be provided for any conditions relating to the lumbar spine."
  • Certainty: David knows from day one that any future back problems will not be covered. However, if he develops an unrelated condition, like a hernia, he can claim with confidence, knowing the process will be straightforward as his back history is already accounted for.

Advantages of Full Medical Underwriting

  • Complete Clarity: You know precisely what is and isn't covered from the moment your policy starts. There are no surprises at the point of a claim.
  • Faster Claims: Because the underwriting work is done upfront, the claims process is generally much quicker and smoother. The insurer doesn't need to investigate your past history when you claim.
  • Potentially Better Terms: In some cases, an underwriter might review a minor, historic condition and decide not to apply an exclusion, giving you better cover than you might have had under a moratorium policy.

Disadvantages of Full Medical Underwriting

  • Slower Application Process: It can take several weeks to get your policy documents, especially if the insurer needs a report from your GP.
  • More Intrusive: You have to provide detailed and sometimes sensitive personal medical information.
  • Permanent Exclusions: The exclusions applied are typically permanent and will not be reviewed in the future.

Strategic Selection: Which Underwriting Type is Right for You?

The best choice depends entirely on your personal health profile, your attitude to risk, and your priorities.

You Should Consider MORATORIUM Underwriting If...

  • You are in good health with no significant medical history in the last five years.
  • You haven't seen a doctor or received treatment for anything other than minor, short-lived ailments (like a common cold).
  • Your priority is getting cover in place as quickly as possible.
  • You are comfortable with a degree of ambiguity in exchange for a simpler application process.

You Should Consider FULL MEDICAL UNDERWRITING (FMU) If...

  • You have a history of medical conditions, even if they were resolved some time ago.
  • You want absolute certainty and peace of mind about what your policy will pay for.
  • You prioritise a smooth and fast claims process over a fast application process.
  • You are concerned that a moratorium policy might lead to a claim being unexpectedly rejected.

An expert PMI broker is invaluable at this stage. At WeCovr, we help thousands of people navigate this exact choice. By discussing your health and preferences with you, we can recommend the underwriting type and insurer that best fits your needs, all at no cost to you.

Your SituationRecommended Underwriting TypeWhy?
Young, fit, and healthyMoratoriumQuick, easy, and you're unlikely to have pre-existing conditions that cause issues.
Had a sports injury 3 years agoFull Medical UnderwritingProvides clarity on whether the joint/injury will be excluded. You avoid a nasty surprise later.
Anxious about paperwork and formsMoratoriumThe application is significantly simpler and less demanding.
Want total peace of mindFull Medical UnderwritingCertainty is the main benefit. You know exactly where you stand from day one.
Switching from another providerContinued Personal Medical Exclusions (CPME)A special type of underwriting that allows you to carry your existing cover terms to a new insurer. Ask a broker about this.

How Your Health History Directly Affects Your Cover

Regardless of the underwriting type, your past health is the single biggest factor in determining your coverage. Insurers are particularly interested in conditions that have the potential to recur or require future treatment.

Common areas that lead to exclusions include:

  • Musculoskeletal issues: Back pain, joint problems, sports injuries.
  • Cardiovascular conditions: High blood pressure, high cholesterol, heart murmurs.
  • Mental health: History of anxiety, depression, or stress.
  • Gastrointestinal problems: IBS, acid reflux.
  • Respiratory conditions: Asthma.

Remember, the goal of private medical insurance in the UK is to complement the NHS by providing prompt access to treatment for new, unforeseen acute conditions, not to replace its role in managing long-term and pre-existing illnesses.

Proactive Health Management: A Partner to Your PMI

While insurance is there for when things go wrong, taking proactive steps for your health is always the best strategy. Many of the best PMI providers now actively encourage this by offering a range of wellness benefits, including:

  • Discounted gym memberships
  • Access to digital GP services
  • Mental health support lines
  • Rewards for hitting activity goals

Living a healthy lifestyle not only reduces your chances of needing to claim but can also lead to lower premiums over time. Key pillars of good health include:

  1. A Balanced Diet: Focus on whole foods, fruits, vegetables, and lean proteins. Good nutrition is foundational to preventing many chronic diseases.
  2. Regular Physical Activity: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This could be brisk walking, cycling, or swimming.
  3. Prioritising Sleep: Aim for 7-9 hours of quality sleep per night. It's crucial for mental and physical recuperation.
  4. Managing Stress: Techniques like mindfulness, meditation, or simply spending time in nature can have a powerful positive impact on your mental and physical wellbeing.

As a WeCovr client, you get complimentary access to our AI-powered nutrition app, CalorieHero, to help you manage your diet effectively. Furthermore, clients who purchase PMI or Life Insurance often receive discounts on other types of cover, helping you protect your entire life for less.

Frequently Asked Questions (FAQs)

Do I need to declare mental health conditions like anxiety or depression?

Yes, absolutely. If you opt for Full Medical Underwriting, you must declare any past or present mental health conditions for which you have sought advice or treatment. With a Moratorium policy, any mental health issues from the last 5 years would be automatically excluded for the initial 2-year period. Non-disclosure can invalidate your policy.

What happens if I forget to declare a condition on an FMU application?

This is known as 'inadvertent non-disclosure'. If an insurer believes you made an honest mistake, they may treat the claim as if you had declared the information initially, meaning they might apply a retrospective exclusion and reject the claim for that specific condition. However, if they suspect you deliberately withheld information (fraudulent non-disclosure), they have the right to void your entire policy from the start and refuse all claims. Honesty is always the best policy.

Can I ever get private cover for a chronic condition like diabetes or arthritis?

Standard UK private medical insurance does not cover the routine management, check-ups, or medication for chronic conditions. However, a complication might be covered. For example, if you have well-managed diabetes (a chronic condition) and then need a joint replacement (an acute condition), your PMI policy would typically cover the joint replacement, provided it wasn't a pre-existing issue. The day-to-day management of your diabetes would remain under the care of the NHS.

Is moratorium underwriting always cheaper than full medical underwriting?

Not necessarily. The price (premium) is calculated based on several factors, including your age, location, the level of cover you choose (e.g., hospital lists, outpatient limits), and your excess. The underwriting method itself doesn't usually have a direct impact on the initial price. The key difference is not the cost, but the *certainty* of cover.

Take the Next Step with Confidence

Choosing between moratorium and full medical underwriting is a crucial step in securing the right private health cover. While a moratorium offers speed and convenience, FMU provides invaluable clarity and peace of mind.

The best way to make an informed decision is to speak with an expert. Our team at WeCovr has helped countless individuals and families find the perfect policy. We compare plans from across the market, explain the fine print, and guide you to the best solution for your unique needs and health history—all at no cost to you and with a track record of high customer satisfaction.

Ready to find the right private medical insurance for you? Get a free, no-obligation quote from WeCovr today and gain access to the care you deserve, when you need it.

Related guides

UK Private Health Insurance Decoding Underwriting Types – Full Medical vs. Moratorium Explained
UK Private Health Insurance Decoding Underwriting Types – Full Medical vs. Moratorium Explained
Read more →
UK Private Health Insurance Moratorium vs. Full Medical Underwriting Explained
UK Private Health Insurance Moratorium vs. Full Medical Underwriting Explained
Read more →
UK Private Health Insurance Moratorium vs. Full Medical Underwriting – Your Policy's Foundation Explained
UK Private Health Insurance Moratorium vs. Full Medical Underwriting – Your Policy's Foundation Explained
Read more →
UK Private Health Insurance Underwriting Explained Moratorium vs. Full Medical Underwriting & Why It Matters for Your Cover
UK Private Health Insurance Underwriting Explained Moratorium vs. Full Medical Underwriting & Why It Matters for Your Cover
Read more →
UK Private Health Insurance Underwriting Moratorium vs. Full Medical Explained
UK Private Health Insurance Underwriting Moratorium vs. Full Medical Explained
Read more →
UK Private Health Insurance Underwriting Moratorium vs. Full Medical Underwriting Explained
UK Private Health Insurance Underwriting Moratorium vs. Full Medical Underwriting Explained
Read more →
Get A Free Quote

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 800,000+ 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