WeCovr.

Login

Online-Only Private Health Insurance Pros and Cons

Online-Only Private Health Insurance Pros and Cons 2025

As an FCA-authorised broker that has helped arrange over 800,000 policies, WeCovr provides expert, no-obligation advice on private medical insurance in the UK. This article explores the rise of digital-only PMI, weighing its advantages against the potential drawbacks to help you make an informed choice for your health.

Is digital-only buying and service the future of PMI?

The world has gone digital. From banking and shopping to booking holidays, we manage vast swathes of our lives through apps and websites. It was only a matter of time before the UK’s private medical insurance (PMI) market followed suit. The shift towards online-only policies, where you buy and manage your cover entirely through a digital interface, is accelerating.

With NHS waiting lists remaining a significant concern—with the number of treatment pathways in England hovering around 7.5 million according to recent NHS data—more people than ever are exploring private healthcare. Insurers have responded by creating streamlined, digital-first products designed for a new generation of consumers who value speed, convenience, and control.

But is a fully digital journey the right path for a product as complex and important as health insurance? While the convenience is undeniable, the lack of human advice can be a significant pitfall. This guide breaks down the pros and cons of online-only private health cover to help you decide if it’s the right fit for you.

What Exactly is 'Online-Only' Private Health Insurance?

At its core, "online-only" or "digital-first" private medical insurance refers to policies that are sold, administered, and serviced primarily through digital platforms like websites and smartphone apps. This marks a departure from the traditional model, which relied heavily on call centres, paper documents, and face-to-face meetings with brokers.

Here’s what a digital-only experience typically involves:

  • Online Application: You complete the entire application process online, from getting a quote to answering medical questions and setting up payment.
  • Digital Policy Documents: Your policy schedule, terms and conditions, and membership card are all delivered and stored electronically.
  • App-Based Management: A dedicated app allows you to view your cover, find approved specialists, and, most importantly, submit and track claims.
  • Virtual GP Services: Most policies, both digital and traditional, now include a 24/7 virtual GP service as a core benefit, allowing you to get medical advice quickly via video or phone call.
  • Digital Support: Customer service is often handled via webchat, chatbots, or email, rather than a dedicated phone line.

These policies are built for efficiency, stripping away many of the overheads associated with traditional insurance models.

The Pros of Choosing an Online-Only PMI Policy

The appeal of a digital-first approach is strong, especially for those comfortable managing their finances online. Here are the main advantages.

1. Unmatched Convenience and Speed

With an online-only policy, you are in the driver's seat. You can research options, get quotes, and even purchase a policy at any time of day, from anywhere with an internet connection. There’s no need to wait for a broker's office to open or sit on hold in a call-centre queue. The process is designed to be as frictionless as possible, often taking minutes rather than days.

2. Potentially Lower Premiums

By automating processes and reducing the need for large customer service teams and expensive physical infrastructure, digital-only insurers can operate with lower overheads. In theory, these savings can be passed on to you in the form of more competitive premiums. While not always the case, direct-to-consumer digital products often appear cheaper at first glance.

3. Greater Transparency and Control

A well-designed app or online portal puts all your policy information at your fingertips. You can easily:

  • Review your benefit limits.
  • Check which hospitals are on your list.
  • See your claims history.
  • Update your personal details.

This level of access gives you a feeling of control and makes it easier to understand exactly what you are covered for.

4. Integrated Digital Health and Wellness Tools

Modern PMI providers are increasingly positioning themselves as health partners, not just insurers. Digital-only policies excel at this, often integrating a suite of valuable tools directly into their apps:

  • 24/7 Virtual GPs: Fast access to a doctor is a cornerstone benefit.
  • Symptom Checkers: AI-powered tools to help you understand your symptoms.
  • Mental Health Support: Access to digital therapy, mindfulness sessions, and other resources.
  • Wellness Rewards: Programmes that incentivise healthy habits like regular exercise or good sleep with discounts or vouchers.

For example, at WeCovr, we provide our PMI and Life insurance clients with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, to support their health and wellness goals.

5. An Eco-Friendly Choice

The move to paperless documentation, communication, and claims is inherently better for the environment. For consumers who prioritise sustainability, a digital-only policy is a clear winner.

The Cons and Potential Pitfalls of Digital-Only Health Cover

While the upsides are compelling, the digital-only route is not without its risks. The lack of human guidance is the most significant drawback.

1. The Absence of Personalised Advice

Private medical insurance is not a simple product. It involves complex choices about:

  • Underwriting Type: Moratorium or Full Medical Underwriting? The wrong choice can have huge implications for what’s covered.
  • Excess Level: How much are you willing to pay towards each claim?
  • Hospital List: Which hospitals do you want access to? A national list costs more than a local one.
  • Optional Extras: Do you need cover for therapies, mental health, or dental and optical care?

An online form can’t understand your unique health history, financial situation, or future concerns. It can't ask probing questions to uncover needs you didn't know you had. This is where an expert broker adds immense value, ensuring you don't end up with a policy that's cheap but ultimately unfit for purpose.

2. The "Computer Says No" Problem

Automated systems are built for standard scenarios. If your medical history is complex, or you have a unique request, you can easily get stuck. When you need to discuss a sensitive claim or a tricky pre-authorisation request, talking to a chatbot or filling out a generic online form can be incredibly frustrating. A human expert can advocate on your behalf and navigate the insurer's internal processes in a way a digital-only system cannot.

3. Risk of Misunderstanding and Buying the Wrong Cover

Without an expert to explain the jargon and nuances, it's easy to make mistakes. You might choose a policy with a six-week option, believing it will save you money, without fully understanding that it only kicks in if the NHS waiting list for your treatment is longer than six weeks. You might choose a low premium without realising it comes with a very restrictive hospital list, excluding the top facilities you’d want to use. These are common and costly errors.

4. Impersonal Claims Process

Imagine receiving a serious diagnosis. It’s a stressful and emotional time. The last thing you want is to be battling a clunky app or an unhelpful chatbot to get your treatment authorised. The value of having a dedicated person to speak to—someone who can offer reassurance and handle the administration for you—cannot be overstated in these moments.

5. Digital Exclusion

While a majority of the UK population is online, a significant minority is not. According to the ONS, in early 2023, around 4.8% of UK adults had either never used the internet or had not used it in the last three months. This group, often older or with disabilities, can be completely excluded by a digital-only model. Even for those who are tech-savvy, poor internet connectivity can be a major barrier.

A Crucial Reminder: What UK Private Health Insurance Does and Doesn't Cover

Before we go any further, it's vital to understand the fundamental purpose of private medical insurance in the UK.

Standard UK PMI is designed to cover acute conditions that arise after you take out your policy.

It is not designed to cover:

  • Pre-existing conditions: Any illness, injury, or symptom you have had (or sought advice for) in the years before your policy starts.
  • Chronic conditions: Long-term illnesses that cannot be cured, only managed (e.g., diabetes, asthma, arthritis, high blood pressure).

Key Definitions:

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a cataract, a hernia, a joint replacement).
  • Chronic Condition: A condition that is long-lasting, requires ongoing management, and has no known cure (e.g., Crohn's disease, epilepsy).
  • Pre-existing Condition: Anything you have experienced symptoms of, or received medication, advice, or treatment for, typically in the five years before your policy began.

Insurers use a process called underwriting to determine how they will treat your pre-existing conditions. The two main types are Moratorium and Full Medical Underwriting (FMU). A good broker will explain these options in detail to ensure there are no surprises when you need to make a claim.

Comparing Online-Only vs. Broker-Led PMI: A Head-to-Head

So, how do the two approaches stack up against each other? The best choice depends entirely on your personal needs, confidence, and the complexity of your situation.

FeatureOnline-Only / Direct InsurerExpert Broker (like WeCovr)
Personalised AdviceNone. You are on your own to interpret the options and make a choice.High. FCA-authorised advisors assess your needs, explain complex terms, and recommend the most suitable policy.
Market AccessLimited to one insurer's products.Whole-of-market. Access to dozens of policies from a wide range of insurers, ensuring a better fit.
CostCan seem cheaper initially due to lower overheads.No cost to you. Brokers are paid by the insurer. They often find better long-term value by matching you to the right policy.
ConvenienceHigh for initial purchase, can be low for complex service or claims.High. Combines digital tools for quotes with human experts to handle the complex parts for you, saving you time and effort.
Claims SupportOften automated or via impersonal online forms/chatbots.Personal. A good broker will offer claims support, helping you with pre-authorisation and resolving issues with the insurer.
SimplicityCan be overwhelming due to jargon and complex choices.Simple for you. The broker handles the complexity, presenting you with clear, understandable options.

As the table shows, while the digital route offers initial speed, an expert broker provides crucial long-term value, support, and peace of mind—all at no extra cost to you.

How WeCovr Bridges the Gap: Digital Tools with a Human Touch

The future of private medical insurance isn't a binary choice between digital-only and old-fashioned service. The best solution is a hybrid model that combines the efficiency of technology with the irreplaceable value of human expertise. This is precisely the approach we take at WeCovr.

We empower you with:

  • Powerful Digital Tools: Our online platform allows you to compare quotes from a wide range of leading UK insurers quickly and easily.
  • Expert Human Advice: Our team of friendly, FCA-authorised advisors is here to help you understand your options. We don't do "hard sells"; we provide clear, jargon-free advice tailored to your needs and budget. This service is completely free for you.
  • Choice and Value: By comparing the market, we ensure you get the right cover at the right price, not just the cheapest headline premium.
  • Ongoing Support: Our relationship doesn't end once you've bought a policy. We're here to help at renewal or if you face issues with a claim.
  • Added Benefits: WeCovr clients get complimentary access to health tools like the CalorieHero nutrition app and can enjoy discounts on other insurance products, such as life or income protection cover, when they take out a policy with us.

Our high customer satisfaction ratings are a testament to this balanced approach, which delivers the best of both worlds.

Wellness and Lifestyle: Making the Most of Your Health Cover

Having private health cover is about more than just treating illness; it's also about maintaining and improving your well-being. A healthier lifestyle can reduce your risk of developing certain conditions, potentially lowering your long-term insurance costs and, most importantly, improving your quality of life.

Here are some simple, evidence-based tips:

  • Balanced Diet: Focus on whole foods—fruits, vegetables, lean proteins, and whole grains. A Mediterranean-style diet has been consistently linked to better heart health and a lower risk of many chronic diseases. Use an app like CalorieHero to track your intake and make healthier choices.
  • Regular Physical Activity: The NHS recommends at least 150 minutes of moderate-intensity activity (like brisk walking or cycling) or 75 minutes of vigorous-intensity activity (like running or tennis) a week. Find an activity you enjoy to make it a sustainable habit.
  • Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. Poor sleep is linked to a weakened immune system, weight gain, and an increased risk of chronic health problems. Create a relaxing bedtime routine and keep your bedroom dark, quiet, and cool.
  • Manage Stress: Chronic stress can have a significant physical impact. Practice mindfulness, meditation, or deep-breathing exercises. Spending time in nature and maintaining strong social connections are also powerful stress-reducers. Many PMI policies now include access to mental health support services.
  • Stay Hydrated: Drinking enough water is crucial for energy levels, brain function, and overall health. Aim for 6-8 glasses a day.

By taking proactive steps to manage your health, you become a partner in your own care, making your private health insurance a safety net rather than a first resort.

Looking Ahead: The Future of Health Insurance in the UK

The trend towards digitalisation is irreversible. In the coming years, we can expect to see even greater integration of technology in the private medical insurance UK market:

  • AI-Powered Underwriting: Artificial intelligence will make the application and underwriting process faster and more accurate.
  • Wearable Technology Integration: Data from smartwatches and fitness trackers could be used to offer even more personalised premiums and wellness rewards.
  • Hyper-Personalised Cover: Policies may become more modular, allowing you to build cover that perfectly matches your lifestyle and health risks.
  • Predictive Healthcare: Insurers will use data to identify health risks earlier, offering preventative support before a condition becomes serious.

However, as technology becomes more sophisticated, the need for human oversight and empathy will not disappear. The future is not purely digital; it is a seamless blend of digital efficiency and expert, compassionate human guidance. The role of the modern PMI broker will be to act as the essential human interface in this increasingly complex digital world, ensuring that technology serves the client, not the other way around.

Is online-only private health insurance always cheaper?

Not necessarily. While digital-first policies can have lower headline premiums due to reduced overheads, they may not represent the best value. A cheap policy might have a restrictive hospital list, a high excess, or significant gaps in cover. An expert broker can compare the whole market to find a policy that offers comprehensive cover at a competitive price, which often provides better long-term value than the cheapest online-only option.

What happens if I have a pre-existing condition and buy online?

If you buy an online-only policy, you will have to navigate the underwriting questions yourself. Most online policies use 'Moratorium' underwriting, which automatically excludes any condition you've had symptoms of or treatment for in the last five years. These exclusions may be lifted if you remain symptom and treatment-free for a continuous two-year period after your policy starts. Misunderstanding these rules is a major risk of buying without advice and can lead to claims being rejected.

Can I speak to a person if I have a problem with my digital policy?

It depends on the provider. Most digital-only insurers channel support through chatbots, email, or online forms. Some may have phone lines, but they might not be staffed by the same level of expert advisors you would find with a dedicated broker. For complex or sensitive issues like a difficult claim, this impersonal service can be a significant drawback. This is why using a broker who offers ongoing support is often a safer choice.

Why should I use a broker like WeCovr if I can just go online?

Using an expert broker like WeCovr combines the best of both worlds. You get the convenience of comparing quotes online, plus the invaluable benefit of free, personalised advice from an FCA-authorised expert. We help you understand the complex options, choose the right cover for your specific needs, and access policies from across the market, not just one provider. We can save you from costly mistakes and provide support when you need it most, all at no cost to you.

Ready to Find the Right Private Health Cover?

Navigating the world of private medical insurance can be daunting, but you don't have to do it alone. At WeCovr, we make it simple. Our expert advisors will listen to your needs, compare leading UK insurers, and provide a clear, no-obligation recommendation.

[Get Your Free, Personalised PMI Quote from WeCovr Today]

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

© 2025 WeCovr. Made with in London