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PMI for New Immigrants What Are Your Options

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

Moving to a new country is an exciting adventure, but navigating a different healthcare system can be daunting. As an FCA-authorised expert broker that has helped arrange over 900,000 policies, WeCovr understands the unique questions new arrivals have about securing private medical insurance (PMI) in the UK. This guide is here to help.

Key takeaways

  • What it is: A world-renowned system providing comprehensive healthcare, free at the point of use.
  • Who it's for: All legal UK residents.
  • What it covers: Everything from GP appointments and emergency care (A&E) to complex surgery and long-term condition management.
  • The Challenge: The primary drawback of the NHS is waiting times. Due to high demand, waits for specialist consultations and non-urgent procedures can be long. According to the latest NHS England data, the waiting list for elective treatment stands at over 7.5 million cases. This can mean waiting many months, or even over a year, for procedures like hip replacements or cataract surgery.
  • What it is: A way to bypass NHS waiting lists and access private treatment quickly.

Moving to a new country is an exciting adventure, but navigating a different healthcare system can be daunting. As an FCA-authorised expert broker that has helped arrange over 900,000 policies, WeCovr understands the unique questions new arrivals have about securing private medical insurance (PMI) in the UK. This guide is here to help.

Guide for new arrivals and the best way to secure PMI starting from scratch

Welcome to the United Kingdom! As you settle into your new life, one of the most important things to arrange is your healthcare. The UK is rightly proud of its National Health Service (NHS), but many residents, including new arrivals, also choose to take out private medical insurance for added peace of mind, speed of access, and greater choice.

This comprehensive guide will walk you through everything you need to know about PMI as an immigrant. We'll explain how the UK system works, what your options are, how to get covered, and how to avoid common pitfalls. Our goal is to give you the confidence to make the best decision for you and your family's health and wellbeing.

Understanding the UK Healthcare System: NHS vs. Private

Before diving into private cover, it's essential to understand the dual-track healthcare system in the UK. Most residents use a combination of both the NHS and the private sector.

The National Health Service (NHS)

The NHS is the UK's state-funded healthcare system. If you are a legal resident in the UK, you are generally entitled to use it. Many immigrants pay an "Immigration Health Surcharge" (IHS) as part of their visa application, which grants them access to the NHS on the same basis as a permanent resident.

  • What it is: A world-renowned system providing comprehensive healthcare, free at the point of use.
  • Who it's for: All legal UK residents.
  • What it covers: Everything from GP appointments and emergency care (A&E) to complex surgery and long-term condition management.
  • The Challenge: The primary drawback of the NHS is waiting times. Due to high demand, waits for specialist consultations and non-urgent procedures can be long. According to the latest NHS England data, the waiting list for elective treatment stands at over 7.5 million cases. This can mean waiting many months, or even over a year, for procedures like hip replacements or cataract surgery.

Private Medical Insurance (PMI)

PMI is an insurance policy that pays for the costs of private healthcare for acute conditions that arise after you take out the policy. It's not a replacement for the NHS – you will still use the NHS for emergencies and for conditions your policy doesn't cover.

  • What it is: A way to bypass NHS waiting lists and access private treatment quickly.
  • Who it's for: Anyone who wants faster access to specialists, a choice of hospitals and surgeons, and the comfort of a private room.
  • Key Benefit: Speed. The main reason people buy PMI is to be diagnosed and treated faster, getting them back to work and life sooner.

Here’s a simple comparison to help you see the difference:

FeatureNational Health Service (NHS)Private Medical Insurance (PMI)
CostFree at the point of use (funded by taxes & IHS)Monthly or annual premium
Waiting TimesCan be very long for non-urgent careMinimal; treatment is usually available in weeks
ChoiceLimited choice of hospital or specialistHigh degree of choice over where and by whom you are treated
AccommodationUsually a shared wardPrivate en-suite room
CoverageComprehensive, including chronic and pre-existing conditionsFor new, acute conditions only. Excludes chronic/pre-existing issues.
EmergenciesThe only option for A&E and emergency responseNot used for emergencies; complements the NHS

Am I Eligible for Private Medical Insurance as a New Immigrant?

This is a common and important question. The straightforward answer is yes, in almost all cases. If you are legally residing in the UK, you are generally eligible to apply for private health cover.

Insurers' main requirements are typically:

  • A UK Residential Address: You must be living in the UK to buy a UK policy.
  • A UK Bank Account: Your premiums will be paid from a UK bank account, usually via Direct Debit.
  • Legal Residency: You must have the legal right to live in the UK (e.g., on a work visa, family visa, or other long-stay permit).

Unlike some other countries, you do not need to be a permanent resident or a British citizen to get PMI. Some insurers may have a minimum residency period (e.g., 6 months), but many have no such rule and will cover you from the moment you have a UK address and bank account.

Navigating these small differences between providers is where an expert broker can be invaluable. A specialist like WeCovr can quickly identify which insurers are best suited for new arrivals, ensuring a smooth and successful application.

The Critical Rule of UK PMI: Pre-existing and Chronic Conditions Explained

This is the single most important concept to understand about private medical insurance in the UK. Misunderstanding this point can lead to disappointment and frustration.

Standard UK PMI is designed to cover new medical problems that start after your policy begins. It is not designed to cover conditions you already have.

Let's break down the key terms:

  • Pre-existing Condition: This is any disease, illness, or injury for which you have experienced symptoms, received medication, sought advice, or had treatment before the start date of your policy. This includes things you haven't been formally diagnosed with but have seen a doctor about.
  • Chronic Condition: This is a condition that is long-term and cannot be fully cured with treatment. It can be managed but not resolved. Examples include diabetes, asthma, high blood pressure, arthritis, and Crohn's disease.

The Golden Rule: UK PMI policies do not cover the treatment of pre-existing or chronic conditions. For these, you will continue to rely on the excellent care provided by the NHS.

Real-Life Examples

  • Covered Scenario: You move to the UK from Australia and buy a PMI policy. A year later, you start experiencing severe knee pain while running. A scan reveals a torn meniscus requiring surgery. As this is a new, acute condition that started after your policy began, your PMI will cover the consultation, scan, and surgery in a private hospital.

  • Not Covered Scenario: You move to the UK with a history of managing eczema with prescription creams. If you have a flare-up and want to see a private dermatologist, your PMI will not cover this because it's a pre-existing and chronic condition. You would see your NHS GP for ongoing management.

How Underwriting Affects Your Cover as a New Arrival

"Underwriting" is the process an insurer uses to assess your risk and decide what they will and won't cover. For new immigrants, choosing the right underwriting method is key. There are two main types.

1. Moratorium (Mori) Underwriting

This is the most common and often the simplest option for those new to the UK.

  • How it works: You don't have to fill out a detailed medical questionnaire. Instead, the policy automatically excludes any condition for which you've had symptoms, treatment, or advice in the 5 years before the policy started.
  • The "Rolling" Element: The great thing about a moratorium is that these exclusions can be removed. If you go for a continuous 2-year period after your policy starts without needing any treatment, advice, or having symptoms of that pre-existing condition, the insurer will then consider covering it if it recurs.
  • Why it's good for new arrivals: It's fast and easy. You don't need access to old medical records from your home country, which can be difficult to obtain.

2. Full Medical Underwriting (FMU)

This method is more detailed upfront.

  • How it works: You complete a full health questionnaire, declaring your entire medical history. The insurer's underwriting team reviews your application and then offers you a policy with specific, named exclusions written into your policy documents.
  • Clarity from Day One: The main advantage is certainty. You know from the start exactly what is and isn't covered. Unlike a moratorium, these exclusions are typically permanent and will not be removed after a 2-year period.
  • When it might be better: If you have had very minor health issues in the past (e.g., a single instance of joint pain 4 years ago that never returned), FMU might be better. An underwriter may agree to cover that body part, whereas a moratorium policy would automatically exclude it for the first 2 years.

An expert PMI broker can discuss your personal situation and advise which underwriting method makes the most sense for you.

FeatureMoratorium (Mori) UnderwritingFull Medical Underwriting (FMU)
Application ProcessQuick and simple, no health formsDetailed medical questionnaire required
Initial ExclusionsBlanket exclusion for any condition from the last 5 yearsSpecific exclusions are named in your policy documents
ClarityYou find out if a condition is covered when you claimYou know exactly what's excluded from day one
Removing ExclusionsPossible after a 2-year clear periodExclusions are usually permanent
Best For...New arrivals, those without easy access to medical recordsThose with past minor issues who want absolute clarity

What Does a Typical PMI Policy Cover (and Not Cover)?

PMI policies are modular. You start with a core foundation and can add extra benefits to tailor the plan to your needs and budget.

Typically Included in Core Cover:

  • In-patient and Day-patient Treatment: This covers costs when you are admitted to a hospital bed for treatment or surgery, even if just for the day. This includes surgeons' fees, anaesthetists' fees, and hospital costs.
  • Comprehensive Cancer Cover: This is a cornerstone of most PMI policies. It often provides access to specialist drugs, treatments, and centres that may not be available on the NHS.
  • Specialist Consultations: Covers the cost of seeing a consultant privately after a GP referral.
  • Diagnostic Tests: Includes things like MRI scans, CT scans, and PET scans, allowing for rapid diagnosis.

Common Optional Add-ons:

  • Out-patient Cover: This is one of the most popular additions. It covers diagnostic tests and specialist consultations that do not require a hospital bed. Without this, you would rely on the NHS for the initial diagnostic phase.
  • Therapies Cover: Pays for a set number of sessions with specialists like physiotherapists, osteopaths, and chiropractors.
  • Mental Health Cover: Provides cover for consultations with psychiatrists and psychologists, and for in-patient psychiatric care.
  • Dental and Optical Cover: Helps with the costs of routine check-ups, dental treatments, and new glasses or contact lenses.

What is Almost Always Excluded?

  • Pre-existing conditions
  • Chronic conditions
  • Emergency treatment (A&E)
  • Uncomplicated pregnancy and childbirth
  • Cosmetic surgery (unless for reconstructive purposes after an accident or covered surgery)
  • Self-inflicted injuries
  • Fertility treatments

How to Get the Best PMI Policy: A Step-by-Step Guide for New Immigrants

Securing the right private medical insurance UK policy is straightforward when you follow a clear process.

  1. Assess Your Needs and Budget: Think about what's important to you. Is comprehensive cancer cover a priority? Do you want mental health support? Are you looking for a basic plan just to cover major surgeries, or a comprehensive plan for everything? Decide on a monthly budget you are comfortable with.

  2. Don't Go Directly to an Insurer: While you can get a quote from an insurer's website, you will only see their products and their prices. You won't know if a competitor offers better cover for the same price, or the same cover for less.

  3. Use an Independent PMI Broker: This is the smartest move for anyone, especially a new arrival. An independent broker, like WeCovr, works for you, not for the insurance companies.

    • Expert Advice: We understand the market and the specific needs of immigrants.
    • Market Comparison: We compare policies and prices from all the leading UK insurers (like Bupa, AXA Health, Aviva, and Vitality) to find the perfect fit for you.
    • Free Service: Our advice and support are completely free for you. We are paid a commission by the insurer you choose, and this does not affect the price you pay.

  4. Compare the Details: Your broker will present you with a few tailored options. Look beyond the headline price. Compare the hospital list (which hospitals you can use), the out-patient limits, and the excess (the amount you agree to pay towards any claim).

  5. Choose Your Underwriting: Your broker will help you decide between Moratorium and Full Medical Underwriting based on your health history.

  6. Apply and Get Covered: Once you've chosen your policy, your broker will help you complete the application, set up your payment, and get your policy documents. You can then have the peace of mind that you are covered.

Factors That Influence the Cost of Your PMI Policy

The price of your premium is determined by several factors. Understanding them helps you see how you can adjust your policy to meet your budget.

  • Age: This is the most significant factor. Premiums increase as you get older.
  • Location: Living in areas with expensive private hospitals, like Central London or major cities, will result in higher premiums than living in a more rural area.
  • Level of Cover: A basic, core-only policy is the cheapest. Adding out-patient cover, therapies, and mental health options will increase the cost.
  • Excess (illustrative): This is the amount you agree to pay towards the cost of a claim. Choosing a higher excess (e.g., £250 or £500) will lower your monthly premium.
  • Hospital List: Most insurers offer different tiers of hospital lists. A list that excludes expensive Central London hospitals will be cheaper than a comprehensive national list.
  • No Claims Discount: Similar to car insurance, many PMI policies include a no-claims discount. Your premium may be lower if you don't claim, and it may increase following a claim.

Example Monthly PMI Premiums

To give you a rough idea, here are some illustrative examples for a mid-range policy with a £250 excess. Please note these are for guidance only and are not a formal quote.

Age GroupLocationEstimated Monthly Premium
30-year-oldManchester£45 – £60
30-year-oldCentral London£65 – £85
50-year-oldManchester£80 – £110
50-year-oldCentral London£115 – £150

The best way to get an accurate price is to get a personalised quote based on your specific circumstances.

Extra Benefits and Wellness Programmes

Modern private health cover is about more than just paying for treatment. Insurers are increasingly focused on helping you stay healthy in the first place. Most top-tier policies now include a wealth of added-value benefits, such as:

  • 24/7 Remote GP: Access to a GP via phone or video call at any time, often with same-day appointments.
  • Mental Health Support: Digital CBT courses, mindfulness apps, and telephone counselling services.
  • Wellness Discounts: Reduced prices on gym memberships, fitness trackers, and healthy food.
  • Health and Wellbeing Advice: Access to experts on nutrition, sleep, and fitness.

When you arrange your policy through WeCovr, you also get exclusive benefits. We provide our PMI and Life Insurance clients with complimentary access to our AI calorie and nutrition tracking app, CalorieHero, to support your health goals. Furthermore, our clients often enjoy discounts on other types of insurance they may need, such as life or income protection cover.

Why Use a Specialist Broker Like WeCovr?

For a new arrival, navigating the UK private medical insurance market alone can be overwhelming. Using an FCA-authorised broker like WeCovr simplifies the entire process and provides significant advantages.

  • Expertise for Your Situation: We have extensive experience helping immigrants find the right cover. We know which insurers offer the most flexible terms for new residents and can guide you through any specific requirements.
  • Whole-of-Market Access: We are not tied to any single insurer. We compare the entire market to find the policy that offers the best value and the right level of protection for your needs.
  • Save Time and Money: Instead of you spending hours researching and getting multiple quotes, we do all the legwork for you. Our expertise ensures you don't overpay or buy a policy with unsuitable terms.
  • A Free, High-Quality Service: Our service is completely free for you to use. We pride ourselves on clear, impartial advice and have earned high satisfaction ratings from our clients for our dedication and support.
  • Ongoing Support: Our relationship doesn't end once you buy the policy. We are here to help you at renewal to ensure you're still on the best deal, and can even offer guidance if you need to make a claim.

Do I still need to pay the Immigration Health Surcharge (IHS) if I have PMI?

Yes, absolutely. Private Medical Insurance is a complementary product and not a replacement for the NHS. Paying the IHS is a mandatory part of most UK visa applications and grants you access to the NHS. PMI does not exempt you from this payment, nor does it replace the need for NHS services like emergency care.

Can I add my family to my PMI policy?

Yes. Insurers offer policies for individuals, couples, and families. Adding a partner or children to your policy is usually straightforward. In many cases, a family policy can be more cost-effective than separate individual policies, and some insurers offer incentives like free cover for newborns for the first few months.

What happens if I have a medical emergency in the UK?

For any medical emergency, such as a heart attack, stroke, or serious accident, you should always call 999 or go to the nearest NHS Accident & Emergency (A&E) department. Private hospitals in the UK are not equipped for emergency medicine. PMI is for planned, non-emergency diagnosis and treatment after you have been stabilised by the NHS.

Does UK private medical insurance cover pre-existing conditions?

Generally, no. Standard UK private medical insurance is designed to cover new, acute conditions that arise after your policy has started. It does not cover the treatment of pre-existing conditions (health issues you had before joining) or chronic conditions (long-term illnesses that can be managed but not cured). You would continue to use the NHS for the management of these conditions.

Ready to take the next step and secure your health and peace of mind in the UK?

The WeCovr team is here to help. Our friendly, expert advisors can provide a free, no-obligation comparison of the best PMI providers to find the perfect cover for you.

[Get Your Free PMI Quote Today]

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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