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Personalised Care and Convenience a Top Reason for Buying PMI




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TL;DR

While long NHS waiting lists remain a significant concern, a deeper shift is underway in the UK private medical insurance market. As an FCA-authorised broker that has helped arrange over 900,000 policies, we at WeCovr see firsthand that consumers are increasingly drawn to private health cover for reasons that go far beyond simply skipping a queue. The driving forces are now centred on personalisation, control, and sheer convenience.

Key takeaways

  • "Can I see the specific specialist my GP recommended?"
  • "Can I schedule my diagnostic scan for a Saturday morning?"
  • "Is there an app I can use to speak to a doctor at 10 pm?"
  • "Can I build a policy that covers my physiotherapy but excludes things I don't need?"
  • Consultant Choice: If your GP recommends a specific consultant known for their expertise in a particular procedure, you can request to see them. This allows you to place your health in the hands of a professional you have researched and trust.

While long NHS waiting lists remain a significant concern, a deeper shift is underway in the UK private medical insurance market. As an FCA-authorised broker that has helped arrange over 900,000 policies, we at WeCovr see firsthand that consumers are increasingly drawn to private health cover for reasons that go far beyond simply skipping a queue. The driving forces are now centred on personalisation, control, and sheer convenience.

Exploration of how flexible cover options and convenience are increasingly influencing consumer decisions beyond NHS pressures

For decades, the primary conversation around Private Medical Insurance (PMI) in the UK has been framed as a reaction to pressures on the National Health Service. The logic was simple: buy insurance to bypass waiting lists for treatment. While this remains a powerful motivator—with the NHS England waiting list for consultant-led elective care standing at a staggering 7.54 million treatments in mid-2024—it no longer tells the whole story.

Today's consumer is not just a passive patient seeking a faster fix. They are an active participant in their healthcare journey, expecting the same level of choice, flexibility, and digital convenience they experience in every other aspect of their lives, from banking to retail.

This evolution in consumer expectation is reshaping the private health cover landscape. It's a move away from a purely reactive "plan B" and towards a proactive choice for a better, more tailored healthcare experience. People are asking:

  • "Can I see the specific specialist my GP recommended?"
  • "Can I schedule my diagnostic scan for a Saturday morning?"
  • "Is there an app I can use to speak to a doctor at 10 pm?"
  • "Can I build a policy that covers my physiotherapy but excludes things I don't need?"

The answer to these questions is increasingly "yes," and this empowerment is becoming a primary reason for investing in PMI. It’s about fitting healthcare into your life, not fitting your life around healthcare.

What Does 'Personalised Care' Mean in Private Health Insurance?

Personalisation is more than just a marketing buzzword; in the context of PMI, it represents a fundamental difference in the healthcare experience. It's the ability to shape your medical journey according to your specific needs, preferences, and circumstances.

Choice of Consultant and Hospital

This is perhaps the most valued element of personalisation. With a comprehensive PMI policy, you are not simply assigned to the next available specialist. You have the power to choose.

  • Consultant Choice: If your GP recommends a specific consultant known for their expertise in a particular procedure, you can request to see them. This allows you to place your health in the hands of a professional you have researched and trust.
  • Hospital Choice: Policies typically offer a list of approved hospitals. You can choose a facility that is convenient for you—perhaps close to home for easy visits from family, or near your workplace. You can also select a hospital renowned for its clinical excellence in a certain field or one that offers superior private amenities.

This contrasts sharply with the standard NHS pathway, where your treatment location is often determined by your postcode and consultant by rota, a system sometimes referred to as a "postcode lottery."

Tailored Treatment Plans

The private sector can sometimes offer greater flexibility in treatment pathways. While the NHS provides excellent, evidence-based care, it operates within strict budgetary and procedural frameworks set by the National Institute for Health and Care Excellence (NICE).

A PMI policy may grant you faster access to:

  • Newer Drugs and Treatments: Some cutting-edge cancer drugs or therapies may be available privately before they receive full NICE approval for widespread NHS use. This can be a critical factor for certain conditions.
  • Specialised Surgical Techniques: Access to the latest minimally invasive surgical techniques might be more readily available, potentially leading to faster recovery times.

Continuity of Care

Seeing a different doctor at every appointment can be disjointed and frustrating. A major benefit of private care is the continuity it provides. From the initial consultation through to diagnosis, treatment, and follow-up, you will almost always be under the care of the same consultant.

This consistent relationship builds trust and ensures your specialist has a deep, holistic understanding of your case history, leading to more coherent and reassuring care.

The Convenience Factor: How PMI Fits into Modern Lifestyles

For busy professionals, parents, and self-employed individuals, time is a precious commodity. The inconvenience of healthcare—taking time off work, long waits in clinics, and uncertainty around scheduling—can be a significant source of stress and lost income. PMI directly addresses these pain points.

Scheduling Appointments Around Your Life

Private healthcare operates with a customer-centric mindset. This means appointments are often available at times that suit you, including evenings and weekends.

Imagine you need an MRI scan for a knee injury.

  • NHS Path: You may wait several weeks for the appointment, which will likely be during a 9-to-5 weekday slot, requiring you to take a half-day or full day off work.
  • PMI Path: You could secure a scan within a few days, potentially on a Saturday morning or a Tuesday evening, causing minimal disruption to your professional and personal life.

This flexibility is a game-changer for those who cannot easily take time away from their responsibilities.

Digital Health and Virtual GPs

The integration of digital technology is a cornerstone of modern private medical insurance in the UK. Nearly all major providers now include a Digital GP or Virtual Doctor service as a standard feature.

These services, accessible via a smartphone app or website, typically offer:

  • 24/7 GP Access: Speak to a registered GP via video or phone call anytime, day or night. This is invaluable for parents with a sick child in the middle of the night or for getting quick advice without waiting for a GP appointment.
  • Quick Prescriptions: Get private prescriptions sent directly to a local pharmacy, often within hours.
  • Specialist Referrals: The virtual GP can provide an open referral for specialist care, speeding up the entire process of your insurance claim.

Comfortable and Private Facilities

While the clinical outcome is paramount, the environment in which you recover plays a huge role in your overall wellbeing. A hospital stay can be a stressful and undignified experience. Private hospitals aim to mitigate this by providing a hotel-like environment.

FeatureTypical NHS WardTypical Private Hospital Room
Room TypeShared ward with 4-6+ patientsPrivate, en-suite room
PrivacyCurtain around the bedSolid door, personal space
BathroomShared bathroom facilitiesPrivate en-suite shower and toilet
Visiting HoursRestricted, often a few hours per dayFlexible, often open all day
MenuSet menu with limited optionsA la carte menu with varied choices
AmenitiesBasic bedside unitTV, Wi-Fi, telephone

This level of comfort is not merely a luxury; it aids recovery by reducing stress, improving sleep, and allowing you to feel more in control.

Customising Your Cover: The Rise of Modular PMI Policies

A common misconception is that private health cover is a rigid, expensive, "all-or-nothing" package. The reality is that the modern PMI market is highly modular, allowing you to build a policy that precisely matches your needs and budget. An expert PMI broker like WeCovr can be indispensable in navigating these options.

Core Cover vs. Optional Add-ons

Most policies are built on a foundation of "core cover," with the option to bolt on additional benefits.

Core Cover almost always includes:

  • In-patient and Day-patient Treatment: This covers costs when you are admitted to a hospital for treatment and require a bed, either overnight (in-patient) or just for the day (day-patient). This includes surgery, accommodation, and nursing care.
  • Comprehensive Cancer Cover: This is a pillar of most policies, covering diagnosis, surgery, chemotherapy, and radiotherapy. The level of cover can vary, so it's vital to check the details.

You can then enhance this core protection with a range of Optional Add-ons:

Optional Add-onWhat It CoversWhy You Might Want It
Out-patient CoverConsultations with specialists, diagnostic tests (X-rays, MRI scans), and other procedures that don't require a hospital bed.To speed up the diagnosis of a problem. Without this, you would rely on the NHS for diagnosis before being able to use your PMI for treatment.
Therapies CoverA set number of sessions for physiotherapy, osteopathy, chiropractic, etc.Crucial for recovery from musculoskeletal injuries, sports injuries, or surgery.
Mental Health CoverAccess to psychiatrists, psychologists, and therapists for both in-patient and out-patient treatment.For comprehensive support for conditions like anxiety, depression, and stress, which are increasingly common.
Dental & Optical CoverContributions towards routine check-ups, emergency dental work, and the cost of glasses or contact lenses.To help budget for routine healthcare costs not covered by the NHS for most adults.

Managing Costs with Policy Options

Beyond choosing your cover level, you can further tailor your policy to manage the premium.

  1. Policy Excess: This is the amount you agree to pay towards a claim. For example, if you have a £250 excess and your treatment costs £3,000, you pay the first £250 and the insurer pays the remaining £2,750. Choosing a higher excess (£500 or £1,000) will significantly reduce your monthly premium.

  2. Hospital Lists: Insurers have different tiers of hospital networks. A policy with a list of high-quality local hospitals will be cheaper than one that includes premium central London clinics. If you don't live or work near London, choosing a more restricted list is a simple way to save money without compromising on quality.

  3. The 'Six-Week Option': This is a popular and clever way to lower costs. With this option, your PMI will only cover your treatment if the NHS waiting list for that specific procedure is longer than six weeks. If the NHS can treat you within six weeks, you use the NHS. This acts as a safety net, guaranteeing you'll be seen quickly one way or another, but at a much lower premium.

CRITICAL REMINDER: What Private Medical Insurance Does Not Cover

It is absolutely vital to understand the purpose and limitations of private health cover to avoid disappointment at the point of claim. UK PMI is designed to cover specific types of medical conditions, and certain things are almost universally excluded.

Pre-existing Conditions

Standard PMI policies do not cover medical conditions you had before you took out the policy. This is the most important exclusion to understand.

Insurers define a pre-existing condition as any illness, disease, or injury for which you have experienced symptoms, received medication, advice, or treatment in the years leading up to your policy start date (typically the last 5 years).

There are two main ways insurers handle this:

  • Moratorium Underwriting: This is the most common method. The insurer does not ask for your full medical history upfront. Instead, they automatically exclude any condition you've had in the last 5 years. However, if you remain completely free of symptoms, treatment, and advice for that condition for a continuous period after your policy starts (usually 2 years), the insurer may then agree to cover it in the future.
  • Full Medical Underwriting (FMU): You provide your full medical history when you apply. The insurer assesses it and tells you upfront exactly what is and isn't covered. This provides more certainty but can be a longer application process.

Chronic Conditions

PMI is designed for acute conditions, not chronic ones.

  • An 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).
  • A Chronic Condition: A condition that is long-lasting, has no known cure, and needs ongoing management (e.g., diabetes, asthma, high blood pressure, arthritis).

Your PMI policy will cover the initial diagnosis of a chronic condition. However, once diagnosed, the long-term management of that condition will revert to the NHS. The NHS is structured to provide excellent, ongoing care for chronic illnesses.

Other Common Exclusions

You should also expect a standard PMI policy to exclude:

  • Visits to Accident & Emergency
  • Normal pregnancy and childbirth
  • Cosmetic surgery (unless it's reconstructive surgery needed after an accident or eligible procedure)
  • Treatment for addiction (e.g., drugs and alcohol)
  • Self-inflicted injuries

Beyond Treatment: The Growing Importance of Wellness and Prevention

The best private medical insurance providers are no longer just waiting for you to get ill. They are actively investing in helping you stay healthy in the first place. This proactive approach adds enormous value to a policy, turning it from a simple insurance product into a holistic health and wellness partner.

Access to Wellness Programmes and Health Information

Many insurers now provide a wealth of resources aimed at improving your physical and mental wellbeing. This can include:

  • Discounted Gym Memberships: Partnerships with major gym chains to make fitness more affordable.
  • Mental Health Support: Access to 24/7 helplines, online cognitive behavioural therapy (CBT) courses, and stress-management apps.
  • Nutrition and Diet Advice: Online portals with healthy recipes, articles, and consultations with nutritionists.
  • Smoking Cessation Programmes: Structured support to help you quit smoking.

Added Value from Your Broker: WeCovr Benefits

Choosing the right broker can also unlock extra benefits. At WeCovr, we believe in adding value beyond the policy itself. That's why our PMI clients receive:

  • Complimentary Access to CalorieHero: Our proprietary AI-powered calorie and nutrition tracking app to help you manage your diet and achieve your health goals.
  • Discounts on Other Insurance: When you take out a PMI or life insurance policy with us, you become eligible for discounts on other types of cover you might need, like home or travel insurance, saving you money across the board.

Rewarding Healthy Lifestyles

Some providers have built their entire model around rewarding healthy behaviour. They use data from wearable tech (like smartwatches) and apps to track your activity levels, sleep patterns, and health checks. By hitting certain targets—like walking 10,000 steps a day or completing a health review—you can earn tangible rewards, such as:

  • Weekly cinema tickets or cups of coffee
  • Discounts on healthy food at supermarkets
  • Reduced prices on smartwatches and other fitness gadgets
  • Even lower insurance premiums at renewal

This gamified approach encourages sustained engagement with your health, making wellness a fun and rewarding daily habit.

Comparing UK Private Health Insurance Providers

The UK market is home to several excellent providers, each with its own unique strengths and focus. The "best PMI provider" is entirely subjective and depends on what you value most.

Here is a simplified overview to illustrate their different approaches:

Provider FocusKey StrengthsBest For...
BupaOne of the largest and most established providers with a vast hospital network and strong brand recognition.Individuals and families seeking comprehensive cover from a trusted, household name.
AXA HealthStrong focus on digital health tools (Doctor at Hand app) and a progressive approach to mental health cover.Tech-savvy users who value fast, convenient access to GPs and robust mental health support.
AvivaA major UK insurer offering a wide range of well-regarded products. Their PMI is known for its clear documentation and strong cancer cover.Customers who value the security of a large, diversified financial company and want straightforward, high-quality cover.
VitalityUnique model focused on promoting and rewarding a healthy lifestyle with discounts and perks.Active individuals and families who are motivated by rewards and want their insurance to be an active partner in their wellness journey.

Why Use a Broker to Compare?

Looking at this table, it's clear that comparing policies is complex. It's not just about price; it's about the fine print of the cancer cover, the specific hospitals on the list, the limits on therapy, and the quality of the digital services.

This is why using an independent, expert broker like WeCovr is the most effective way to find the right policy.

  • We See the Whole Picture: We are not tied to any single insurer. We compare policies from across the market to find the optimal fit for you.
  • We Understand the Nuances: Our expert advisors understand the complex details of each policy and can explain them to you in simple, clear language.
  • We Save You Time and Money: We do all the research for you. And because we have strong relationships with insurers, we can often find deals that aren't available to the public, all at no cost to you. Our service is paid for by the insurer, so you get expert, impartial advice for free. Our high customer satisfaction ratings reflect our commitment to finding the best outcome for our clients.

The Financial Case: Is Private Health Cover a Worthwhile Investment?

Private medical insurance is a significant financial commitment, and it's right to question its value. Premiums can start from as little as £40 per month for a young, healthy individual with a basic policy but can rise to several hundred pounds per month for older individuals or those wanting fully comprehensive cover.

The value isn't just in the potential financial cost of private treatment. The value lies in:

  • Peace of Mind: Knowing you have a plan to get fast access to high-quality care when you need it most.
  • Time: Reducing time spent waiting for diagnosis and treatment, and minimising time off work.
  • Control: The ability to choose your specialist, hospital, and appointment times.
  • Wellbeing: The added value of wellness benefits, digital GP access, and a more comfortable recovery experience.

Ultimately, whether PMI is a worthwhile investment is a personal decision, weighing the monthly cost against the invaluable benefits of speed, choice, and convenience in managing your health.


Does private medical insurance cover pre-existing conditions?

Generally, no. Standard UK private medical insurance is designed to cover acute medical conditions that arise *after* your policy begins. Pre-existing conditions, which are any illnesses or injuries you have had symptoms or treatment for in the years before taking out the policy (usually 5 years), are typically excluded. Some policies may cover them after a set moratorium period (usually 2 years) without symptoms or treatment.

Can I choose any hospital or doctor I want with PMI?

You get a significant degree of choice, but it is not unlimited. Your policy will have a "hospital list," which is a network of approved private hospitals you can use. You can typically choose any hospital from your list. For consultants, as long as they practice within your chosen hospital and are recognised by your insurer, you can usually request to be treated by them. A broker can help you choose a policy with a hospital list that meets your needs.

Is it cheaper to buy PMI directly from an insurer or through a broker?

Using an independent broker like WeCovr costs you nothing. Our fee is paid by the insurer upon the successful purchase of a policy. The premium you pay is the same, and often cheaper, than going direct. A broker's key advantage is providing impartial advice and comparing a wide range of policies from across the market to find the best value and most suitable cover for your specific circumstances, saving you both time and money.

What happens to my PMI policy as I get older?

Your private medical insurance premiums will increase as you get older. This is because the statistical risk of needing medical treatment increases with age. Insurers factor this in, and you should expect your premium to rise at your annual renewal. These increases are in addition to any rises due to general medical inflation. It's important to budget for this when taking out a long-term policy.

Ready to discover how a personalised private medical insurance plan can fit your life and budget? The world of PMI is complex, but you don't have to navigate it alone.

Get a free, no-obligation quote from our expert team at WeCovr today. We'll compare the market for you and help you build a policy that gives you control, convenience, and peace of mind.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.

How does it work?

Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:

• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment

Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.

Questions to ask yourself regarding private medical insurance

Just ask yourself:
👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?

Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of 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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