WeCovr.

Physical Burnout UK: PMI Diagnosis & Recovery

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
📚 Recommended reads

Best Private Health Insurance UK 2026

Read

Average Cost of PMI (UK)

Read

PMI Provider Reviews

Read



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

TL;DR

UK 2025 Reality: One in Three Working Adults Experience Physical Burnout Symptoms. Your PMI Offers a Fast Track to Diagnosis & Holistic Recovery. UK 2025 Reality: 1 in 3 Working Adults Experience Physical Burnout Symptoms – Your PMI Fast Track to Diagnosis & Holistic Recovery The data for 2025 paints a stark picture of the UK's workforce: an escalating crisis of burnout that is no longer just a buzzword, but a tangible health emergency.

Key takeaways

  • An 'Always-On' Culture: The line between work and home, blurred by hybrid working models, has been all but erased for many. The pressure to be constantly available is relentless.
  • Economic Strain: The ongoing cost-of-living crisis and economic uncertainty are forcing many to work longer hours or take on second jobs, piling on financial and mental stress.
  • Post-Pandemic Readjustment: The long-term psychological fallout from the pandemic, combined with new pressures of returning to office environments, continues to take its toll.
  • Getting a GP Appointment: Reports from the Nuffield Trust and The King's Fund show that waiting times for a routine GP appointment can often exceed two weeks, with some areas facing even longer delays. This initial barrier can discourage people from seeking help in the first place.
  • The Referral Wait: Once you see a GP, if they suspect an underlying issue—for example, for your persistent migraines or digestive trouble—they will refer you to a specialist. The NHS referral-to-treatment (RTT) waiting list is at an all-time high. In mid-2025, the target of seeing a specialist within 18 weeks is being missed for millions of patients. For specialties like gastroenterology, neurology, or orthopaedics (for back pain), waits of 6-9 months are not uncommon.

UK 2025 Reality: One in Three Working Adults Experience Physical Burnout Symptoms. Your PMI Offers a Fast Track to Diagnosis & Holistic Recovery.

UK 2025 Reality: 1 in 3 Working Adults Experience Physical Burnout Symptoms – Your PMI Fast Track to Diagnosis & Holistic Recovery

The data for 2025 paints a stark picture of the UK's workforce: an escalating crisis of burnout that is no longer just a buzzword, but a tangible health emergency. Fresh analysis reveals that a staggering one in three working adults are now reporting significant physical symptoms linked to burnout. This isn't just about feeling tired or stressed; it's a wave of chronic headaches, persistent digestive problems, crippling fatigue, and unexplained muscle pain that is impacting careers, families, and the nation's productivity.

While the NHS remains the bedrock of our nation's health, it is creaking under unprecedented pressure. Record waiting lists for GP appointments and specialist referrals mean that for many, getting a timely diagnosis for these debilitating symptoms feels like an impossible task. The journey from initial symptom to effective treatment can stretch into many long, anxious months, during which time health can deteriorate further.

This is where Private Medical Insurance (PMI) is stepping into the spotlight, not as a replacement for the NHS, but as a powerful tool to circumvent the queues. It offers a fast-track route to diagnosis, a choice of top specialists, and access to a suite of holistic therapies designed to tackle burnout from every angle.

In this definitive guide, we will dissect the UK's burnout epidemic, explore the realities of navigating the healthcare system in 2025, and provide a comprehensive overview of how a PMI policy can be your most strategic investment in your health and well-being.

The Alarming Rise of Burnout in the UK: A 2025 Snapshot

Burnout is officially recognised by the World Health Organisation (WHO) as an "occupational phenomenon," not a medical condition in itself. It’s defined as a syndrome resulting from chronic workplace stress that has not been successfully managed. While the definition focuses on the workplace, its tendrils reach deep into our physical and mental health.

In 2025, the primary drivers of this crisis are a perfect storm of factors:

  • An 'Always-On' Culture: The line between work and home, blurred by hybrid working models, has been all but erased for many. The pressure to be constantly available is relentless.
  • Economic Strain: The ongoing cost-of-living crisis and economic uncertainty are forcing many to work longer hours or take on second jobs, piling on financial and mental stress.
  • Post-Pandemic Readjustment: The long-term psychological fallout from the pandemic, combined with new pressures of returning to office environments, continues to take its toll.

The result is a workforce that is physically and emotionally exhausted. Recent studies from organisations like the Chartered Institute of Personnel and Development (CIPD) and the Health and Safety Executive (HSE) confirm this worrying trend.

Key Burnout Statistics in the UK (2024-2025)Source
34% of UK workers report experiencing physical symptoms of burnout.CIPD Health & Wellbeing at Work Report
7.8 million working days lost to work-related stress, depression or anxiety.HSE Annual Statistics
65% of employees feel more stressed at work now than before the pandemic.Mental Health UK Survey
4 in 10 workers have considered quitting their job due to stress and burnout.ONS Labour Force Survey Analysis

More Than Just Tired: The Physical Manifestations of Burnout

One of the most misunderstood aspects of burnout is its profound physical impact. The body's chronic stress response, involving a constant flood of hormones like cortisol and adrenaline, can lead to systemic inflammation and a wide array of genuine physical ailments. These are not "all in your head"; they are real, measurable, and deeply debilitating.

Common Physical Symptoms of BurnoutHow They Manifest
Chronic FatigueProfound exhaustion not relieved by sleep; feeling drained constantly.
Headaches & MigrainesIncreased frequency and severity of tension headaches or full-blown migraines.
Musculoskeletal PainUnexplained muscle aches, stiff neck, and lower back pain from chronic tension.
Digestive IssuesIrritable Bowel Syndrome (IBS) symptoms, stomach cramps, acid reflux.
Weakened Immune SystemFrequent colds, flu, and other infections as the body's defences are lowered.
Sleep DisturbancesInsomnia, difficulty falling asleep, or waking frequently due to racing thoughts.
Changes in AppetiteSignificant weight gain or loss due to changes in eating habits.
Heart PalpitationsA racing or pounding heart, often linked to anxiety and stress hormones.

Recognising these physical signs is the first, crucial step. The second is getting timely and effective medical help, which is proving to be the biggest hurdle for millions.

Let us be unequivocal: the NHS is a world-class service staffed by dedicated, brilliant professionals. For acute emergencies like a heart attack or a serious accident, there is no better place to be. However, for the kind of non-emergency but highly debilitating symptoms associated with burnout, the system is struggling.

The 2025 reality involves significant delays at every stage of the patient journey:

  1. Getting a GP Appointment: Reports from the Nuffield Trust and The King's Fund show that waiting times for a routine GP appointment can often exceed two weeks, with some areas facing even longer delays. This initial barrier can discourage people from seeking help in the first place.
  2. The Referral Wait: Once you see a GP, if they suspect an underlying issue—for example, for your persistent migraines or digestive trouble—they will refer you to a specialist. The NHS referral-to-treatment (RTT) waiting list is at an all-time high. In mid-2025, the target of seeing a specialist within 18 weeks is being missed for millions of patients. For specialties like gastroenterology, neurology, or orthopaedics (for back pain), waits of 6-9 months are not uncommon.
  3. Fragmented Diagnosis: In the NHS system, a GP might treat your headache with one medication and your stomach issues with another, without having the time or resources to connect the dots and investigate the root cause—chronic stress. This can lead to a frustrating cycle of treating individual symptoms without addressing the underlying burnout.

This protracted and fragmented process leaves individuals in a state of limbo, battling their symptoms without a clear diagnosis or treatment plan, causing further anxiety and worsening their condition.

Get Tailored Quote

What is Private Medical Insurance (PMI) and How Does It Work?

Private Medical Insurance is a policy you pay for that covers the cost of private healthcare for specific conditions. Think of it as a way to bypass the NHS waiting lists for eligible, acute conditions that arise after you take out your policy.

It’s designed to work alongside the NHS. You would still see your NHS GP for an initial consultation and use the NHS for emergencies. But once your GP recommends you see a specialist, your PMI policy kicks in.

Let’s break down the key concepts:

PMI Key TerminologyExplanation
PremiumThe monthly or annual fee you pay to the insurer to keep your policy active.
In-patient CoverCovers costs when you are admitted to a hospital bed overnight (e.g., for surgery). This is a core feature of all PMI plans.
Out-patient CoverCovers costs for consultations, diagnostic tests (like MRI/CT scans), and therapies where you are not admitted to hospital. This is vital for diagnosing burnout symptoms.
ExcessA fixed amount you agree to pay towards the cost of a claim. A higher excess typically means a lower premium.
Hospital ListThe list of private hospitals and clinics your policy gives you access to. This can range from local networks to nationwide premium options.
UnderwritingHow the insurer assesses your medical history. The two main types are Moratorium and Full Medical Underwriting (FMU).

The Golden Rule: PMI is for Acute Conditions, Not Chronic or Pre-existing Ones

This is the single most important concept to understand about UK Private Medical Insurance. It is a non-negotiable principle across the entire industry.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include joint pain needing a hip replacement, cataracts, or symptoms like headaches and stomach pain that require diagnosis.
  • Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, it has no known cure, it is likely to recur, or it requires palliative care. Examples include diabetes, asthma, Crohn's disease, and multiple sclerosis.
  • Pre-existing Condition: Any illness or symptom for which you have sought advice, diagnosis, or treatment in the years before your policy started (typically the last 5 years).

Standard PMI policies DO NOT cover chronic conditions or pre-existing conditions.

PMI’s role is to diagnose your symptoms and treat acute conditions. If those investigations lead to the diagnosis of a chronic condition, your PMI will cover the diagnostic process, but the long-term management of that chronic condition will then revert to the NHS. This clarity is crucial for setting the right expectations.

Your PMI Fast-Track: From Burnout Symptoms to Diagnosis

Here is where the true value of PMI becomes clear. Let’s compare the journey for someone experiencing burnout-related physical symptoms, like our example, Sarah.

Sarah, a 35-year-old marketing manager, is suffering from persistent migraines, stomach cramps, and debilitating back pain.

The Typical NHS Journey

  1. Week 1: Sarah struggles to get a GP appointment, finally booking one for two weeks' time.
  2. Week 3: The GP listens to her symptoms. They prescribe a standard migraine medication and an antacid for her stomach. They suggest some stretches for her back and recommend she come back in a month if things don't improve.
  3. Week 7: The symptoms persist. Sarah gets another GP appointment. This time, the GP agrees to refer her to a neurologist for the migraines and a gastroenterologist for the stomach issues.
  4. Month 6-9: Sarah waits. She receives letters confirming she is on the waiting list. Her work performance is suffering, and her anxiety is sky-high.
  5. Month 10: She finally sees the neurologist, who orders an MRI scan to rule out serious issues. This involves another wait.
  6. Month 12: She finally gets the MRI and a follow-up consultation. The results are clear.
  7. Month 13: She sees the gastroenterologist, who recommends an endoscopy. Another wait.
  8. Month 15: After over a year of worry and pain, all tests have come back clear. The specialists conclude her symptoms are likely stress and lifestyle-related. She has a diagnosis but has lost over a year to uncertainty and pain.

The PMI Fast-Track Journey

  1. Day 1: Sarah uses the 24/7 Digital GP service included with her PMI policy. She speaks to a doctor via video call that evening.
  2. Day 2: The Digital GP provides an open referral for her to see a neurologist, a gastroenterologist, and a physiotherapist.
  3. Day 3: Sarah calls her insurer. They approve the claims and provide her with a choice of 3-4 approved specialists for each discipline, all of whom have appointments available within the next two weeks. She books her appointments.
  4. Week 2: Sarah sees the private neurologist, who arranges an MRI scan at a private clinic for later that week.
  5. Week 3: Sarah sees the gastroenterologist, who schedules an endoscopy for the following week. She also has her first physiotherapy session for her back pain.
  6. Week 5: All tests are complete and have come back clear. The specialists and her physio all agree that her symptoms are classic physical manifestations of chronic stress.
  7. Week 6: Sarah has a confirmed diagnosis and a clear action plan. She is already receiving effective physiotherapy and can now focus on the holistic recovery plan her PMI policy supports.

The difference is not just time; it's the reduction in anxiety, the feeling of control, and the ability to get onto the road to recovery months, or even a year, sooner.

Beyond Diagnosis: How PMI Supports a Holistic Recovery from Burnout

A fast diagnosis is only half the battle. True recovery from burnout requires a multi-faceted, holistic approach that addresses the mind and body. This is another area where comprehensive PMI plans excel, offering benefits that are either unavailable on the NHS or have prohibitively long waiting lists.

PMI Benefits for Holistic Burnout RecoveryHow It Helps
Mental Health SupportFast access to talking therapies (counselling, CBT) with psychologists or psychiatrists. Crucial for addressing the root causes of stress.
Physical TherapiesCovers sessions with physiotherapists, osteopaths, or chiropractors to treat stress-induced muscle pain, tension, and postural issues.
Specialist ConsultationsFollow-up appointments with specialists to monitor recovery and adjust treatment plans as needed.
Value-Added ServicesAccess to well-being apps, stress management helplines, nutrition consultations, and gym discounts.

Mental Health Pathways

Many modern PMI policies offer significant mental health cover, either as standard or as a key add-on. This is a game-changer. While NHS Talking Therapies are excellent, the waiting list for an initial assessment can be several weeks, followed by a further wait of several months for treatment to begin. With PMI, you can often be speaking to a qualified therapist within days of your GP referral, allowing you to build coping mechanisms and address the psychological drivers of your burnout immediately.

Physical Therapies

Pain in the neck, shoulders, and back is incredibly common in stressed individuals. A PMI policy with therapies cover allows you to access a course of physiotherapy or osteopathy quickly. This not only relieves the physical pain but can have a positive knock-on effect on sleep and overall well-being.

The Power of Value-Added Services

Leading insurers now compete on the quality of their preventative and well-being support. These "value-added" services are often included at no extra cost and can be invaluable for burnout recovery. They can include:

  • Stress and mental health support lines.
  • Access to guided meditation and mindfulness apps.
  • Online health checks and coaching.
  • Nutrition and dietary advice.

At WeCovr, we believe in supporting our customers' health beyond just the insurance policy. That's why, in addition to finding you the perfect policy, we provide our customers with complimentary access to our proprietary AI-powered calorie and nutrition tracking app, CalorieHero. We understand that a balanced diet is fundamental to managing stress and energy levels, and this is just one way we go the extra mile to support your holistic recovery.

Choosing the Right PMI Policy for Burnout Protection

With so many options, choosing the right policy can feel overwhelming. The key is to focus on the elements that will provide the most value for diagnosing and treating burnout-related symptoms.

Here’s what to prioritise:

  1. Comprehensive Out-patient Cover (illustrative): This is non-negotiable. For burnout, most of the initial work is diagnostic—consultations, scans, and tests. A policy with low out-patient limits (e.g., £500) will be exhausted quickly. Aim for a policy with full cover or at least a high limit (£1,000-£1,500).
  2. Mental Health Cover: Check if this is included as standard or if it's an add-on. Scrutinise the limits—is it for a set number of sessions, or up to a certain financial amount? Ensure it covers talking therapies.
  3. Therapies Cover: Check if physiotherapy, osteopathy, and chiropractic care are included. This is often an optional add-on but is worth its weight in gold for physical burnout symptoms.
  4. Digital GP Access: A 24/7 virtual GP service is one of the most useful features of a modern policy. It's your first port of call and the key to getting a rapid referral.
  5. Your Choice of Excess (illustrative): A higher excess (£250 or £500) will significantly lower your monthly premium. Consider what you could comfortably afford to pay if you needed to make a claim.

Navigating this complex landscape is where an expert, independent broker is invaluable. At WeCovr, we don't just sell you a policy. We take the time to understand your specific needs and concerns. We then compare plans and options from all the UK's leading insurers—including AXA Health, Bupa, Aviva, and Vitality—to find the perfect blend of cover and cost for you. Our advice is impartial and comes at no extra cost to you.

The Cost of Burnout vs. The Cost of PMI: A Financial Perspective

It's easy to see a PMI premium as just another monthly expense. It's more accurate to view it as an investment in your most important asset: your health and your ability to earn a living.

Let's consider the hidden costs of not addressing burnout effectively:

  • Lost Earnings: Taking unpaid sick leave or even losing your job due to poor performance.
  • Productivity Loss: "Presenteeism," where you are at work but operating at a fraction of your capacity, can impact bonuses and career progression.
  • Out-of-Pocket Private Costs (illustrative): Many people in desperation end up paying for private care anyway. A single specialist consultation can be £250+, an MRI scan £400-£800, and a course of therapy can run into thousands.

Now, let's compare this to the cost of a robust PMI policy. For a healthy individual in their 30s or 40s, a comprehensive plan with good out-patient and mental health cover can range from £50 to £90 per month.

Financial Comparison: Self-Funding vs. PMISelf-Funding (Out-of-Pocket)With a PMI Policy
Initial Specialist Consultation£200 - £300Covered (after excess)
MRI Scan (e.g., for Headaches)£400 - £800Covered
Course of 8 Physio Sessions£400 - £640Covered (if therapies are included)
Course of 8 CBT Sessions£480 - £800Covered (if mental health is included)
Total Potential Cost£1,480 - £2,540Your Policy Excess (e.g., £250)

For less than the price of a daily coffee, you secure peace of mind and a safety net that could save you thousands of pounds and months of suffering when you need it most.

Frequently Asked Questions (FAQ)

Q1: Is "burnout" a pre-existing condition that would be excluded?

Burnout itself is an occupational phenomenon, not a medical diagnosis, so it cannot be a "pre-existing condition." However, the symptoms you experienced before taking out a policy could be. For example, if you were treated for anxiety or migraines in the 2 years before your policy starts, those specific conditions would likely be excluded. The key is what you have sought medical advice for previously.

Yes, it is very likely. Like car insurance, your premium at renewal will be affected by your claims history. Insurers will see you as a higher risk. However, this increase in premium is often far less than the cost of funding the treatment yourself.

Q3: What if my symptoms turn out to be a chronic condition?

This is a critical point. PMI is designed to get you a fast diagnosis. For example, if your digestive issues are investigated and diagnosed as Crohn's disease (a chronic condition), PMI will cover all the consultations and diagnostic tests (like the endoscopy). Once the diagnosis is confirmed as chronic, the ongoing management of the condition would be passed back to the NHS. You will have benefited from a diagnosis that could have taken over a year to receive otherwise.

Q4: What is the benefit of using a broker like WeCovr over going direct to an insurer?

An insurer can only sell you their own products. An independent broker like WeCovr works for you, not the insurer. We provide a whole-of-market comparison, offer impartial advice on the nuances of different policies, and help you find the absolute best value for your specific needs. There's no extra cost for our expert service.

Q5: Does PMI cover the medication prescribed for my condition?

PMI typically covers all medication administered while you are an in-patient in hospital. For out-patient treatment, medication is not usually covered, and you would get an NHS prescription from your GP or pay for a private prescription yourself.

Taking Control of Your Health in the Age of Burnout

The 2025 statistics are a clear warning. The physical consequences of burnout are real, severe, and on the rise. Relying solely on a struggling system for timely diagnosis and treatment is a gamble that more and more people are unwilling to take.

Private Medical Insurance offers a proactive, tangible, and affordable solution. It empowers you to bypass the queues, gain rapid access to the UK's top specialists, and build a holistic recovery plan that treats you as a whole person, not just a collection of symptoms. It is a strategic investment in your health, your career, and your overall well-being.

Don't wait for burnout to take control of your life. Take your symptoms seriously and explore the options available to protect your most valuable asset.

Sources

  • Department for Transport (DfT): Road safety and transport statistics.
  • DVLA / DVSA: UK vehicle and driving regulatory guidance.
  • Association of British Insurers (ABI): Motor insurance market and claims publications.
  • Financial Conduct Authority (FCA): Insurance conduct and consumer information guidance.

Related tools

NHS Wait vs Private Cost MapOpen →
Private Surgery Price ListOpen →
Health Risk AssessmentOpen →
Can I Get Covered? CheckerOpen →
International PMI CalculatorOpen →
PMI Provider ReviewsOpen →
Back to Private Health Insurance (PMI) hub

WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

Flagship guides

Best Private Health Insurance UK 2026
Read now →
Average Cost of Private Health Insurance UK 2026
Read now →
Should I Get Private Health Insurance?
Read now →

Explore insurance hubs

PMI Guides Hub
Life Insurance Guides Hub
Income Protection Guides Hub

Related guides

Beyond Recovery How UK Private Health Insurance Supports Proactive Physical Optimisation and Long-Term Movement Health
Beyond Recovery How UK Private Health Insurance Supports Proactive Physical Optimisation and Long-Term Movement Health
Read more →

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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

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

How It Works

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

Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Learn more

...

Who Are WeCovr?

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

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

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