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PMI for Entrepreneurs Balancing Investment and Protection

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

As an FCA-authorised expert broker that has helped arrange over 900,000 policies, WeCovr understands the unique pressures facing UK entrepreneurs. This guide explores why private medical insurance is a critical investment in your most valuable asset—your health—and how to find the right protection for your needs. Why startup founders and innovators can't afford to neglect their health Being an entrepreneur is not just a job; it’s a way of life.

Key takeaways

  • You feel unwell: You visit your NHS GP as you normally would. The NHS remains your first port of call.
  • You get a referral: If your GP believes you need to see a specialist, they will write you an 'open referral' letter.
  • You contact your insurer: You call your PMI provider, explain the situation, and provide the referral details.
  • Your claim is approved: The insurer checks that your condition is covered by your policy and authorises the claim. They can often help you find a suitable specialist from their approved network.
  • You receive private treatment: You book your appointment with the private specialist at a time that suits you, receive your diagnosis and treatment in a private facility, and the insurer settles the bills directly.

As an FCA-authorised expert broker that has helped arrange over 900,000 policies, WeCovr understands the unique pressures facing UK entrepreneurs. This guide explores why private medical insurance is a critical investment in your most valuable asset—your health—and how to find the right protection for your needs.

Why startup founders and innovators can't afford to neglect their health

Being an entrepreneur is not just a job; it’s a way of life. It’s characterised by passion, vision, and an unrelenting drive to build something from nothing. But this path is also paved with immense pressure, long hours, and chronic stress. For a startup founder, the line between business success and personal well-being is incredibly fine. You are the business.

Your intellectual capital, your energy, and your physical presence are the engine driving your venture forward. What happens when that engine sputters? A period of ill health isn't just a personal setback; it's a direct threat to your company's survival. Deadlines get missed, investor meetings are cancelled, and momentum is lost.

UK data paints a stark picture. The Health and Safety Executive's 2023 report revealed that stress, depression, or anxiety accounted for a staggering 17.1 million working days lost. While this covers all professions, the unique 'always-on' culture of startups often magnifies these risks. Founders frequently sacrifice sleep, nutrition, and exercise, believing they are making a necessary trade-off for business growth. In reality, they are accumulating a health debt that will inevitably come due.

Neglecting your health is a high-risk gamble you can't afford to take. Protecting it isn't a luxury; it's a fundamental business continuity strategy.

The NHS vs. Private Healthcare: Understanding the Landscape for Busy Entrepreneurs

The National Health Service (NHS) is a cornerstone of British society, providing exceptional care to millions, free at the point of use. We are incredibly fortunate to have it. However, the system is under unprecedented strain, which has led to significant challenges, particularly with waiting times for non-urgent procedures.

As of mid-2025, NHS England figures show that millions of people are on waiting lists for routine treatments. The target is for 92% of patients to wait no more than 18 weeks from their GP referral to treatment. In reality, this target has been consistently missed, with many patients waiting much longer for diagnostics and surgery.

For an entrepreneur, waiting six months for a knee operation or four months for a diagnostic scan isn't just an inconvenience. It's six months of reduced productivity, chronic pain, and an inability to function at 100%. It’s time you simply don’t have.

This is where private medical insurance UK comes in. It's not a replacement for the NHS—you'll still use the NHS for accidents, emergencies, and GP visits. Instead, PMI is a complementary tool designed to work alongside it, giving you a way to bypass lengthy queues for eligible conditions and get back on your feet—and back to your business—as quickly as possible.

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

Private Medical Insurance, often called PMI or private health cover, is an insurance policy that pays for the costs of private medical treatment for specific types of health conditions.

Think of it as a health safety net. If you develop a new medical problem, instead of joining an NHS waiting list, you can use your PMI policy to be diagnosed and treated quickly in a private hospital or clinic.

The process is straightforward:

  1. You feel unwell: You visit your NHS GP as you normally would. The NHS remains your first port of call.
  2. You get a referral: If your GP believes you need to see a specialist, they will write you an 'open referral' letter.
  3. You contact your insurer: You call your PMI provider, explain the situation, and provide the referral details.
  4. Your claim is approved: The insurer checks that your condition is covered by your policy and authorises the claim. They can often help you find a suitable specialist from their approved network.
  5. You receive private treatment: You book your appointment with the private specialist at a time that suits you, receive your diagnosis and treatment in a private facility, and the insurer settles the bills directly.

The Critical Distinction: Acute vs. Chronic Conditions

This is the most important concept to understand about UK private medical insurance. PMI is designed to cover acute conditions, which are diseases, illnesses, or injuries that are likely to respond quickly to treatment and return you to your previous state of health.

Examples of acute conditions include:

  • Joint pain requiring a hip or knee replacement
  • Cataracts
  • Hernias
  • Most types of cancer
  • Gallstones

Conversely, PMI does not cover chronic conditions. A chronic condition is one that continues for a long time, has no known cure, and needs ongoing management.

Examples of chronic conditions include:

  • Diabetes
  • Asthma
  • High blood pressure
  • Crohn's disease
  • Arthritis

Crucially, standard UK PMI policies also exclude pre-existing conditions—any illness or injury you had symptoms of, or received advice or treatment for, in the years before your policy began. This is to ensure insurance remains affordable by covering new, unforeseen problems.

Key Benefits of PMI for Startup Founders and Self-Employed Innovators

For a busy entrepreneur, the advantages of having private health cover extend far beyond just medical treatment. They translate directly into business benefits.

  • Speed of Access: This is the number one benefit. Bypassing NHS waiting lists for consultations, scans (like MRI and CT), and surgery means you can get a diagnosis and treatment in days or weeks, not months or years. This minimises downtime and uncertainty.
  • Choice and Control: PMI gives you more control over your healthcare journey. You can often choose the specialist who treats you and the hospital you are treated in. Crucially, you can schedule appointments and procedures around your demanding work schedule, not the other way around.
  • Comfort and Privacy: Private hospitals typically offer a more comfortable environment, including a private room with an en-suite bathroom, better food, and more flexible visiting hours. This can make a stressful experience more manageable and allow you to rest and recover properly—you might even be able to get some work done if you feel up to it.
  • Access to Specialist Drugs and Treatments: Some of the latest drugs, therapies, and surgical techniques may not yet be approved for use on the NHS due to cost or other factors. A comprehensive PMI policy can provide access to these cutting-edge treatments.
  • Comprehensive Mental Health Support: The mental toll of running a business is immense. Most leading PMI providers now offer excellent mental health support, from access to counselling and therapy sessions to dedicated psychiatric cover, often without needing a GP referral first. This proactive support can be a lifeline for founders facing burnout.
  • Wellness and Prevention Services: Modern PMI is about more than just treatment. Many policies include valuable wellness benefits:
    • Digital GP: 24/7 access to a GP via phone or video call.
    • Health Checks: Regular assessments to catch potential issues early.
    • Wellness Apps and Discounts: Access to gym memberships, fitness trackers, and nutritional advice. For example, clients who arrange PMI through WeCovr get complimentary access to our AI-powered diet and calorie tracking app, CalorieHero, to help them stay on top of their nutrition.

How to Tailor a PMI Policy to an Entrepreneur's Budget and Needs

One of the biggest myths about private medical insurance is that it's prohibitively expensive. In reality, policies are highly customisable, allowing you to build a plan that balances comprehensive protection with a manageable budget. An expert PMI broker can be invaluable here.

Here are the key levers you can pull to adjust your cover and cost:

Policy FeatureHow It Affects Your PremiumAdvice for Entrepreneurs
ExcessA higher excess (the amount you pay towards a claim) significantly lowers your monthly premium. Excesses typically range from £0 to £1,000+.A modest excess of £250 or £500 is a smart way to keep costs down. You only pay it if you make a claim.
Hospital ListInsurers have tiered hospital lists. A 'National' list is standard. Adding prime central London hospitals increases the cost. A regional or local list reduces it.Unless you live or work near central London and insist on being treated there, a standard national list is usually sufficient and more cost-effective.
Outpatient CoverThis covers diagnostic tests and consultations that don't require a hospital bed. You can choose full cover, a limited annual amount (e.g., £1,000), or no cover.Limiting outpatient cover is a major cost-saver. You could choose to self-fund initial consultations and use the PMI for major inpatient treatment if needed.
The 6-Week OptionThis is a popular feature. If the NHS can provide the inpatient treatment you need within six weeks of when it's required, you use the NHS. If the wait is longer, you go private.This is an excellent option for entrepreneurs. It dramatically reduces your premium while still protecting you against the long delays that cause the most disruption.
UnderwritingThis is how the insurer assesses your medical history. The two main types are 'Moratorium' and 'Full Medical Underwriting'.'Moratorium' is quicker as you don't declare your full history upfront. 'Full Medical Underwriting' takes longer but provides more certainty on what's covered from day one. A broker can advise which is best for you.

By working with an independent broker like WeCovr, you can explore these options across multiple insurers to find the perfect blend of cover and cost for your specific circumstances, completely free of charge.

Comparing Top UK PMI Providers for Entrepreneurs

The UK private medical insurance market is dominated by a few key players, each with its own strengths and focus. There is no single 'best PMI provider'—the right choice depends entirely on your priorities.

Here’s a brief overview to help you understand the landscape:

ProviderKey Strengths for EntrepreneursUnique Features
AXA HealthStrong focus on clinical excellence, extensive hospital network, and clear policy language. Excellent mental health pathways.Offers a 'Guided' option where they help you choose from a smaller list of specialists, which can reduce premiums.
AvivaKnown for its 'Expert Select' option, high-quality customer service, and strong digital tools, including the Aviva DigiCare+ app.The 'BacktoBetter' programme provides fast access to physiotherapy and musculoskeletal treatment without a GP referral.
BupaThe UK's largest and most well-known provider. Offers direct access to its own clinics and has a strong focus on cancer care and mental health.'Bupa Direct Access' service allows you to bypass your GP for certain conditions like cancer and mental health concerns, speeding up diagnosis.
VitalityUnique 'shared value' model that rewards healthy living. Excellent for proactive entrepreneurs who enjoy fitness and wellness.The Vitality Programme offers significant discounts and rewards (e.g., Apple Watch, gym memberships, coffee) for staying active and healthy.

Navigating the subtle differences in policy wording, hospital lists, and benefit limits between these providers can be complex. This is where using a whole-of-market PMI broker proves its worth, ensuring you get impartial advice tailored to your needs.

Is PMI a Tax-Deductible Business Expense for Entrepreneurs?

This is a common and important question. The answer depends on your business structure.

  • For Sole Traders and Partnerships: Unfortunately, a personal private medical insurance policy is not an allowable business expense. You pay for it out of your post-tax income.

  • For Limited Companies: If you are the director of your own limited company, the company can pay for your PMI premiums. The cost is considered an allowable business expense, meaning it can be offset against the company's corporation tax bill.

However, there's a catch. HMRC views this as a 'benefit-in-kind'. This means the value of the insurance premium is treated as additional income for you personally. You will need to declare it on a P11D form and pay income tax on the amount. Your company will also have to pay Class 1A National Insurance contributions on the value of the premium.

Despite the tax implications, many company directors still find it a worthwhile expense. The ability to deduct the cost from company profits is a significant advantage, and the protection it affords is invaluable.

Disclaimer: Tax rules are complex and can change. You should always seek advice from a qualified accountant regarding your specific business and personal tax situation.

Beyond the Policy: Proactive Health Management for Peak Performance

Your PMI policy is your safety net, but the best way to protect your business is to avoid needing to use it in the first place. For an entrepreneur, peak physical and mental health is a competitive advantage. Focus on these four pillars:

  1. Strategic Nutrition: You wouldn't put cheap fuel in a performance car. Your brain and body need premium fuel.

    • Avoid Sugar Spikes: Swap sugary snacks and refined carbs for slow-release energy sources like oats, nuts, and whole grains.
    • Hydrate Relentlessly: Dehydration kills focus. Keep a 1-litre water bottle on your desk and aim for two-three per day.
    • Prioritise Protein and Healthy Fats: Foods like fish, eggs, avocado, and nuts support cognitive function and sustained energy.

  2. Uncompromising Sleep: Sleep is not a luxury; it's a critical biological function for memory consolidation, problem-solving, and emotional regulation.

    • Create a Wind-Down Routine: An hour before bed, turn off screens. Read a book, listen to a podcast, or meditate.
    • Keep a Consistent Schedule: Aim to go to bed and wake up at the same time every day, even on weekends.
    • Optimise Your Environment: Make your bedroom dark, cool, and quiet.

  3. Efficient Exercise: You don't need to spend two hours in the gym. High-intensity interval training (HIIT) or even a brisk 30-minute walk can have huge benefits.

    • Schedule It In: Block out time in your calendar for exercise as if it were a crucial investor meeting.
    • Find Something You Enjoy: Whether it's running, cycling, climbing, or yoga, you're more likely to stick with it if it doesn't feel like a chore.
    • Embrace 'Snack' Workouts: Can't find a 30-minute block? Do 10 minutes of push-ups and squats in the morning, a 10-minute walk at lunch, and 10 minutes of stretching in the evening.

  4. Active Stress Management: Stress is inevitable, but chronic, unmanaged stress is corrosive.

    • Practice Mindfulness: Even 5-10 minutes of daily meditation using an app like Headspace or Calm can retrain your response to stress.
    • Set Boundaries: Learn to say no. Block out 'no meeting' deep work time in your calendar. Protect your weekends.
    • Maintain Perspective: Remember why you started. Connect with mentors and peers who understand the journey. Don't be afraid to access the mental health support in your PMI policy if you feel overwhelmed.

Why Use a PMI Broker like WeCovr?

In a world where you can buy anything online, you might wonder why you need a broker for private medical insurance. For a product this important and complex, expert guidance is crucial.

  • Market Expertise: A good broker lives and breathes the insurance market. They understand the intricate details of policies from every major provider and can quickly identify the best options for your unique needs as an entrepreneur.
  • Impartial Advice: Unlike going directly to an insurer who can only sell their own products, an independent broker works for you. Their goal is to find you the best possible cover at the best price, regardless of the provider.
  • Saves You Time and Money: Researching the market yourself is incredibly time-consuming. A broker does all the heavy lifting, comparing quotes and features for you. They also have access to deals and prices that may not be available to the public.
  • It Costs You Nothing: Brokers are paid a commission by the insurance provider you choose. This means you get their expert advice and support completely free of charge. Your premium is the same as if you went direct.
  • Support at Claim Time: If you need to make a claim, having a broker on your side can be a huge help. They can offer guidance and assistance, ensuring the process is as smooth as possible.
  • Added Value: At WeCovr, we also provide discounts on other types of essential cover, such as life insurance or income protection, when you arrange your PMI through us.

Does UK private medical insurance cover pre-existing conditions?

Generally, no. Standard private medical insurance (PMI) in the UK is designed to cover acute medical conditions that arise *after* your policy begins. 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 curative treatment).

How much does PMI cost for a self-employed entrepreneur?

The cost of PMI varies widely based on several factors: your age, your location, the level of cover you choose, and your medical history. A basic policy for a healthy 35-year-old entrepreneur might start from around £40-£50 per month, while a more comprehensive policy could be £80-£120 or more. You can significantly reduce the cost by choosing a higher excess, limiting outpatient cover, or adding a 6-week option.

Can I add my family to my personal PMI policy?

Yes, absolutely. Most private medical insurance providers allow you to add your partner and children to your policy. While this will increase the premium, it is often more cost-effective and convenient than taking out separate policies for each family member. It ensures your loved ones have the same fast access to private healthcare as you do.

Is mental health treatment covered by private health cover?

Yes, most modern private health cover policies offer excellent mental health support. This can range from a set number of therapy or counselling sessions to full cover for psychiatric treatment, including stays in a private mental health facility. Given the high-stress nature of entrepreneurship, this is a particularly valuable and important feature to look for in a policy.

Your health is the most critical asset in your business. Protecting it with the right private medical insurance isn't an expense; it's one of the wisest investments you'll ever make.

Ready to find the right protection? Get your free, no-obligation quote from WeCovr today and let our experts find the perfect policy 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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