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PMI for Contractors and Consultants Flexible Health Cover

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
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TL;DR

As an FCA-authorised expert with over 900,000 policies of various kinds issued, WeCovr understands that for UK contractors, time is money. This guide explores how flexible private medical insurance offers the peace of mind you need to stay healthy, productive, and in control of your career. Options for self-employed and project-based workers in the UK The world of contracting and consulting offers unparalleled freedom and earning potential.

Key takeaways

  • NHS Waiting Lists: As of mid-2024, the NHS England waiting list for routine consultant-led elective care stood at over 7.5 million treatment pathways. While the NHS provides excellent emergency care, the wait for specialist consultations, diagnostic scans, and non-urgent surgery can stretch for many months.
  • The Cost of Inactivity: For a contractor earning a day rate of £500, being out of action for just four weeks could mean a loss of £10,000 in revenue. PMI helps minimise this downtime by providing prompt access to medical care.
  • ✅ Covered: Acute Conditions. These are conditions that start after your policy begins and can be cured. Examples include infections, broken bones, and conditions requiring one-off surgeries.
  • ❌ Not Covered: Chronic Conditions. These are long-term conditions that cannot be cured, only managed. Examples include diabetes, asthma, arthritis, and high blood pressure. PMI is not designed to cover the day-to-day management of chronic illnesses.
  • ❌ Not Covered: Pre-existing Conditions. This refers to any illness, disease, or injury for which you have had symptoms, medication, or advice in a set period (usually 2-5 years) before your policy started.

As an FCA-authorised expert with over 900,000 policies of various kinds issued, WeCovr understands that for UK contractors, time is money. This guide explores how flexible private medical insurance offers the peace of mind you need to stay healthy, productive, and in control of your career.

Options for self-employed and project-based workers in the UK

The world of contracting and consulting offers unparalleled freedom and earning potential. You are your own boss, you set your hours, and you choose your projects. However, this autonomy comes with a unique set of challenges, chief among them being the lack of an employer-funded safety net.

Unlike permanent employees, you don't have access to company sick pay or corporate health schemes. If illness or injury strikes, not only do you face potential health worries, but your income can stop overnight. This is where Private Medical Insurance (PMI) becomes less of a luxury and more of a vital business continuity tool for the modern self-employed professional in the UK.

The Contractor's Dilemma: Why You Can't Afford to Wait

As a contractor, your ability to earn is directly linked to your health. A long wait for a diagnosis or treatment on the NHS could jeopardise a critical project, damage your professional reputation, and lead to significant financial loss.

Consider these statistics:

  • NHS Waiting Lists: As of mid-2024, the NHS England waiting list for routine consultant-led elective care stood at over 7.5 million treatment pathways. While the NHS provides excellent emergency care, the wait for specialist consultations, diagnostic scans, and non-urgent surgery can stretch for many months.
  • The Cost of Inactivity: For a contractor earning a day rate of £500, being out of action for just four weeks could mean a loss of £10,000 in revenue. PMI helps minimise this downtime by providing prompt access to medical care.

Real-Life Example: Sarah, an IT Consultant Sarah, a freelance IT consultant, developed persistent knee pain. Her GP referred her to an NHS specialist, but the wait for an appointment was four months, with a further wait for an MRI scan. Unable to travel comfortably to client sites, she was at risk of losing a lucrative contract. With her PMI policy, she saw a private specialist within a week, had an MRI the following week, and started physiotherapy immediately, allowing her to continue working with minimal disruption.

Understanding Private Medical Insurance (PMI) in the UK

Before diving into the options, it's crucial to understand what PMI is and, just as importantly, what it is not.

What is PMI? Private Medical Insurance is a policy you pay for that covers the cost of private medical treatment for acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of things like joint replacements, cataract surgery, or hernia repairs.

The Golden Rule: Acute vs. Chronic Conditions

This is the most important distinction in the UK private medical insurance market.

  • ✅ Covered: Acute Conditions. These are conditions that start after your policy begins and can be cured. Examples include infections, broken bones, and conditions requiring one-off surgeries.
  • ❌ Not Covered: Chronic Conditions. These are long-term conditions that cannot be cured, only managed. Examples include diabetes, asthma, arthritis, and high blood pressure. PMI is not designed to cover the day-to-day management of chronic illnesses.
  • ❌ Not Covered: Pre-existing Conditions. This refers to any illness, disease, or injury for which you have had symptoms, medication, or advice in a set period (usually 2-5 years) before your policy started.

PMI is designed to work alongside the NHS, not replace it. It gives you a choice. For emergencies, like a heart attack or a serious accident, you would still go to an NHS A&E department. For non-urgent issues, PMI gives you a fast-track alternative.

Key PMI Features for Contractors and Consultants

Standard PMI policies can be rigid. As a contractor, you need flexibility that mirrors your working life. Here are the key features to look for:

1. Flexible Payment Options

Your income can be project-based, leading to fluctuating monthly cash flow. Look for providers that offer:

  • Monthly Payments: Spreads the cost, making it more manageable.
  • Annual Payments: Often comes with a small discount (around 5%) if you can pay the full premium upfront.

2. Policy Customisation (Modular Policies)

You don't want to pay for cover you don't need. Modern insurers allow you to build a policy that fits your budget and priorities.

Core Cover (Usually mandatory):

  • In-patient and Day-patient Treatment: Covers costs when you are admitted to a hospital bed, including surgery, accommodation, and nursing care.

Optional Add-ons (Customise your plan):

  • Out-patient Cover: This is one of the most valuable additions. It covers specialist consultations and diagnostic tests (like MRI, CT scans) before you are admitted to hospital. Without this, you could still face long waits for diagnosis.
  • Mental Health Cover: Increasingly vital. This can provide access to counsellors, therapists, and psychiatrists far quicker than via the NHS.
  • Therapies Cover: Includes treatments like physiotherapy, osteopathy, and chiropractic care. Essential for musculoskeletal issues common among desk-based workers.
  • Dental and Optical Cover: A basic level of cover for routine check-ups and treatments.

3. Six-Week Wait Option

This is a brilliant cost-saving feature for contractors. If the NHS waiting list for the in-patient treatment you need is less than six weeks, you agree to use the NHS. If the wait is longer than six weeks, your private policy kicks in. Because this reduces the likelihood of the insurer having to pay out, it can lower your premium significantly.

4. Guided Consultant Lists and Hospital Networks

To manage costs, insurers offer different hospital lists.

  • National List: The most comprehensive and expensive, giving you access to almost any private hospital in the UK.
  • Local/Regional List: A curated list of hospitals in your area, which can reduce your premium.
  • Guided Consultant List: The insurer provides a shortlist of 3-5 approved specialists for your condition. This is often the most cost-effective option and still ensures you see a top-quality professional.

For a contractor who travels for projects, a national list might be preferable. For someone who works from home, a local list could be a smart way to save money.

How to Choose the Right PMI Policy as a Contractor

Choosing a policy can feel overwhelming. A methodical approach can simplify the process. An expert PMI broker, such as WeCovr, can navigate the market for you at no cost, but understanding the fundamentals will empower you to make an informed decision.

Step 1: Define Your Priorities and Budget

Ask yourself:

  • What is my maximum monthly budget?
  • What are my biggest health concerns? (e.g., musculoskeletal, mental health)
  • Do I need cover for my family as well?
  • How much risk am I willing to take? (This will determine your excess).

Step 2: Understand Underwriting Options

This determines how the insurer treats your pre-existing medical conditions.

Underwriting TypeHow It WorksProsCons
Moratorium (Most Common)You don't declare your full medical history upfront. The insurer automatically excludes any condition you've had symptoms, advice or treatment for in the last 5 years. If you then remain free of that condition for a continuous 2-year period after your policy starts, it may become eligible for cover.Quicker to set up; less initial paperwork.Lack of certainty on what is covered from day one; potential for claim delays or disputes while the insurer investigates your history.
Full Medical Underwriting (FMU)You complete a detailed health questionnaire, declaring your full medical history. The insurer then tells you exactly what is and isn't covered from the start, in writing.Full clarity from the outset; faster claims process as your history is already known.More initial paperwork; permanent exclusions may be applied to certain conditions.

For most contractors, Full Medical Underwriting is often the better choice. It provides certainty, which is crucial when your income depends on your health. You know exactly where you stand.

Step 3: Set Your Excess Level

The excess is the amount you agree to pay towards a claim each year. It works just like car insurance.

  • Illustrative estimate: A higher excess (e.g., £500 or £1,000) will significantly lower your monthly premium.
  • Illustrative estimate: A lower excess (e.g., £100 or £250) means you pay less when you claim, but your premium will be higher.

Consider setting an excess that you could comfortably pay without causing financial hardship. For many contractors, a £500 excess strikes a good balance between a manageable premium and a reasonable contribution per claim. (illustrative estimate)

Comparing Top UK PMI Providers for Contractors

The UK has a mature PMI market with several excellent providers. Each has its own strengths, particularly when it comes to serving the self-employed.

ProviderKey Feature for ContractorsWellness ProgrammeBest For...
BupaHighly trusted brand with an extensive, high-quality hospital network. Offers flexible plans.Bupa Touch app with health support and direct access to services.Contractors who prioritise brand reputation and a wide choice of top-tier hospitals.
AXA HealthExcellent modular policies ('Personal Health') and strong mental health support as standard on many plans.'ActivePlus' for gym discounts and access to their online GP service, 'Doctor at Hand'.Contractors who want to build a truly bespoke plan and value comprehensive mental health cover.
VitalityUnique rewards-based model that incentivises healthy living with discounts and perks.Extensive rewards for tracking activity (e.g., Apple Watch, free coffee, cinema tickets).Proactive, data-savvy contractors who are motivated by rewards to stay healthy and lower their long-term premiums.
AvivaStrong digital offering and the 'Expert Select' hospital option, which can reduce costs significantly.'Aviva DigiCare+' app providing an annual health check, mental health support, and nutritional advice.Cost-conscious contractors who are comfortable using digital tools and guided consultant lists to manage their healthcare.

Disclaimer: This is a high-level overview. The "best" provider is entirely dependent on your individual needs, location, and health. Using a broker to compare the whole market is the most effective way to find the right fit.

Cost of PMI for Contractors: What Influences Your Premiums?

PMI premiums are not one-size-fits-all. They are personally calculated based on several risk factors.

  1. Age: The single biggest factor. Premiums increase as you get older because the statistical likelihood of needing treatment rises.
  2. Location: Treatment costs vary across the UK. Living in Central London, for example, will result in higher premiums than living in a more rural area due to the higher costs of private hospitals there.
  3. Cover Level: The more comprehensive your policy (e.g., full out-patient, mental health, therapies), the higher the cost.
  4. Excess: As discussed, a higher excess leads to a lower premium.
  5. Hospital List: A comprehensive national list is more expensive than a local or guided list.
  6. No-Claims Discount: Similar to car insurance, your premium can reduce each year you don't make a claim, often up to 60-70%.
  7. Smoker Status: Smokers pay significantly more due to the associated health risks.

Example Monthly Premiums for a Self-Employed Professional

The table below gives an indication of costs for a comprehensive policy with a £250 excess. (illustrative estimate)

AgeLocationSmoker StatusIndicative Monthly Premium
30ManchesterNon-Smoker£55 - £80
40BristolNon-Smoker£75 - £110
50LondonNon-Smoker£120 - £180
40LondonSmoker£100 - £150

Important: These are illustrative estimates from 2024/2025 market data. Your quote will be specific to you. The only way to get an accurate price is to get a personalised quote.

Tax Implications of PMI for Self-Employed Individuals

How you pay for your PMI has different tax consequences depending on your business structure. This is a key area where specialist advice can be beneficial.

For Sole Traders

  • If you operate as a sole trader, your PMI premium is not an allowable business expense.
  • You must pay for the policy out of your post-tax income. It's treated as a personal living cost, similar to your food or mortgage payments.

For Limited Company Directors

This is more complex, but also offers a potential tax efficiency.

  1. Company Expense: The limited company can pay the PMI premium for a director. This payment is an allowable business expense, meaning the company can deduct the cost from its profits, thereby reducing its Corporation Tax liability.
  2. Benefit in Kind: However, HMRC treats the health insurance as a 'benefit in kind' for the director. This means the value of the premium is added to the director's income for tax purposes.
  3. Tax Consequences:
    • The director will pay income tax on the value of the benefit at their marginal rate (20%, 40%, or 45%).
    • The company must pay Class 1A National Insurance Contributions (NICs) on the value of the premium (currently 13.8%).
    • The company must report this on a P11D form at the end of the tax year.

Is it still worth it for a Limited Company? Often, yes. While there is tax to pay, paying via the company can still be more efficient than paying from personal post-tax income, especially for higher-rate taxpayers. Furthermore, it treats the policy as a legitimate business cost designed to protect the company's key asset – you.

Beyond PMI: A Holistic Approach to Contractor Wellbeing

The best private medical insurance UK providers understand that prevention is better than cure. Their focus has shifted from simply paying claims to actively helping you stay healthy.

Embrace the Wellness Programmes

Many top-tier policies now include incredible wellness benefits at no extra cost. These can include:

  • Discounted Gym Memberships: Savings at major chains like Nuffield Health and Virgin Active.
  • Wearable Tech: Heavily subsidised smartwatches (like the Apple Watch from Vitality) to track your activity.
  • Digital GP Services: 24/7 access to a GP via phone or video call, allowing you to get advice without leaving your desk.
  • Mental Health Support: Access to mindfulness apps, talking therapies, and confidential support lines.
  • Health Screenings: Regular check-ups to catch potential issues early.

By engaging with these programmes, not only can you improve your physical and mental health, but you can also earn rewards and lower your future premiums.

WeCovr's Added Value

At WeCovr, we believe in a 360-degree approach to your health. That's why, in addition to finding you the perfect PMI policy, we provide our clients with:

  • Complimentary access to CalorieHero: Our AI-powered calorie and nutrition tracking app to help you manage your diet and achieve your health goals.
  • Exclusive Discounts: When you take out a PMI or Life Insurance policy through us, you can get discounts on other essential contractor insurance, such as public liability or professional indemnity cover.

How a PMI Broker Like WeCovr Can Help

The UK's PMI market is complex. With dozens of providers and hundreds of policy combinations, trying to find the best deal yourself can be time-consuming and confusing. This is where an independent, expert broker is invaluable.

Benefits of Using WeCovr:

  1. Expertise and Impartiality: We are specialists in the private health cover market. We are not tied to any single insurer, so our advice is completely impartial and focused on your best interests.
  2. Market-Wide Comparison: We use our technology and relationships to compare policies from across the market, including deals you might not find on comparison websites.
  3. No Cost to You: Our service is free. We receive a commission from the insurer you choose, which is already built into the premium. You pay the same price (or often less) than going direct.
  4. Tailored Recommendations: We take the time to understand your unique needs as a contractor, your budget, and your health priorities to recommend the most suitable options. We do the hard work so you don't have to.
  5. High Customer Satisfaction: Our clients consistently rate us highly for our clear advice, friendly service, and the tangible value we provide.

Is private medical insurance a tax-deductible expense for my limited company?

Yes, if your limited company pays for your private medical insurance, the premium is generally considered an allowable business expense. This means the cost can be deducted from the company's profits, reducing its Corporation Tax bill. However, it is also treated as a 'benefit in kind' for you as the director, so you will have to pay personal income tax on the value of the premium, and the company will need to pay Class 1A National Insurance contributions.

Can I pause my PMI policy if I am between contracts?

Some insurers may offer the option to suspend a policy for a short period (e.g., 1-3 months) if you are travelling abroad or not working. However, this is not a standard feature and depends entirely on the provider and your policy's terms and conditions. During a suspension, you would not pay premiums, but you would also not be covered. It's crucial to check this with the insurer before buying, as most policies require continuous payment to remain active.

Does UK PMI cover pre-existing or chronic conditions?

No, this is a critical point to understand. Standard UK Private Medical Insurance is designed to cover new, acute conditions that arise *after* your policy starts. It does not cover pre-existing conditions (illnesses you had before taking out the policy) or chronic conditions (long-term illnesses like diabetes or asthma that require ongoing management rather than a cure). The NHS remains the primary provider for managing these conditions.

Take Control of Your Health and Your Business

As a contractor or consultant, you are the most valuable asset in your business. Protecting your health is one of the smartest investments you can make. Private medical insurance provides the speed, choice, and peace of mind you need to stay productive and secure your income.

Don't let an unexpected health issue derail your career.

Ready to explore your options? Get your free, no-obligation PMI quote from WeCovr today and let our experts find the perfect flexible health cover for you.

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.
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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.

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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 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:

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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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