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PMI for Private GP Access UK

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

Struggling to get a timely GP appointment? You're not alone. With NHS waiting times on the rise, many in the UK are turning to private medical insurance (PMI) for faster access to healthcare.

Key takeaways

  • 24/7 Access: The ability to book a consultation at any time of day or night.
  • Remote Consultations: Convenient appointments via phone or video call from the comfort of your home or office.
  • Fast Appointments: Often, you can speak to a GP on the same day, sometimes within a matter of hours.
  • Direct Referrals: A seamless pathway to a specialist if further investigation or treatment is required.
  • According to the latest data from NHS Digital, millions of GP appointments involve a wait of more than two weeks. In a recent month, over 5 million appointments in England alone occurred more than 14 days after booking.

Struggling to get a timely GP appointment? You're not alone. With NHS waiting times on the rise, many in the UK are turning to private medical insurance (PMI) for faster access to healthcare. As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr provides expert guidance on finding the right cover.

This comprehensive guide explores the private medical insurance UK plans that include same-day or next-day GP appointments as a standard feature, putting you back in control of your health.

Plans that include same-day GP appointments as standard

In today's fast-paced world, waiting weeks for a GP appointment can feel like an eternity, especially when you're feeling unwell or worried. The traditional route to seeing a doctor via the NHS, while a cornerstone of our society, is under immense pressure. This has led to a significant shift in what consumers demand from private health cover.

Recognising this need, the UK's leading PMI providers have integrated digital GP services directly into their core offerings. These services are no longer a niche add-on; for many insurers, they are a fundamental part of the policy, designed to act as your first port of call.

These built-in services typically offer:

  • 24/7 Access: The ability to book a consultation at any time of day or night.
  • Remote Consultations: Convenient appointments via phone or video call from the comfort of your home or office.
  • Fast Appointments: Often, you can speak to a GP on the same day, sometimes within a matter of hours.
  • Direct Referrals: A seamless pathway to a specialist if further investigation or treatment is required.

Essentially, these features provide a fast and efficient "digital front door" to your private medical insurance, bypassing NHS queues and getting you the advice and referrals you need without delay.

Why is Private GP Access a "Must-Have" PMI Feature in 2025?

The demand for private GP access isn't just about convenience; it's a direct response to the mounting challenges within the NHS primary care system. Understanding these challenges highlights why a private GP feature is now considered essential by many.

The Reality of NHS GP Waiting Times

Recent statistics paint a stark picture of the pressures on general practice in the UK.

  • According to the latest data from NHS Digital, millions of GP appointments involve a wait of more than two weeks. In a recent month, over 5 million appointments in England alone occurred more than 14 days after booking.
  • The GP Patient Survey, a major independent poll, consistently shows a decline in patient satisfaction regarding appointment availability. The percentage of patients reporting a "good" experience of making an appointment has fallen significantly over the past decade.

This isn't a criticism of the hardworking NHS staff, but a reflection of a system grappling with a rising population, complex patient needs, and workforce shortages. For many people, a two-week wait for a persistent cough or a worrying new symptom simply isn't acceptable.

The GP as the "Gateway" to Further Care

In the UK healthcare system, the General Practitioner acts as a "gatekeeper." To see a specialist—like a cardiologist, dermatologist, or orthopaedic surgeon—you almost always need a referral from a GP first.

The NHS Pathway:

  1. Experience a health concern.
  2. Try to book an NHS GP appointment.
  3. Wait, potentially for several days or weeks.
  4. Have a short consultation (often 10 minutes).
  5. If necessary, get referred to an NHS specialist.
  6. Join another waiting list for the specialist appointment, which can take months.

The Private Pathway with Integrated GP Access:

  1. Experience a health concern.
  2. Open your insurer's app and book a private GP appointment, often for the same day.
  3. Have a longer, more in-depth video or phone consultation.
  4. If necessary, receive an "open referral" to a private specialist.
  5. Use your PMI policy to see the specialist within days or weeks.

The private GP service effectively unlocks the full potential of your private medical insurance, providing a swift and direct route to specialist diagnosis and treatment.

How Does Private GP Access Work Within a PMI Policy?

While the concept is simple—fast access to a doctor—the mechanics can vary slightly between insurers. Understanding how it works is key to choosing the right policy.

Most private GP services included with PMI operate on a digital-first model.

The Process: From Symptom to Solution

  1. Booking: You log into your insurer's dedicated smartphone app or online portal. You select a time slot for a phone or video consultation, often with a choice of GPs.
  2. Consultation: At the scheduled time, a UK-based, GMC-registered GP contacts you. These consultations are typically longer than the standard 10-minute NHS slot, allowing for a more thorough discussion of your symptoms and concerns.
  3. Outcome: The consultation can have several outcomes:
    • Peace of Mind: The GP provides reassurance and advice on managing minor ailments at home.
    • Private Prescription: If medication is needed, the GP can issue a private prescription. You can usually have this sent to a local pharmacy for collection or, in some cases, delivered to your home. Note: You will have to pay for the cost of the prescribed medication yourself.
    • Referral for Treatment: This is the most critical function for a PMI policyholder. If the GP believes you need to see a specialist, they will issue a referral.

The Power of the "Open Referral"

Most private GP services provide what's known as an open referral. This is a significant benefit.

  • Named Referral: A referral to a specific, named specialist (e.g., "Dr. Jane Smith, Cardiologist"). This can be restrictive.
  • Open Referral: A referral to a type of specialist (e.g., "a cardiologist"). This gives you and your insurer the flexibility to choose from any approved specialist within their network, ensuring you can be seen by someone who is available quickly and conveniently located.

This open referral is your key to unlocking the main benefits of your health insurance policy, allowing you to book specialist consultations, diagnostic tests, and subsequent treatment privately.

UK Insurers Offering Integrated Private GP Services

Nearly all major UK private medical insurance providers now offer a digital GP service as standard. While the core function is similar, the specific features, branding, and user experience can differ.

Here is a comparison of the leading services available in 2025.

ProviderGP Service NameAccess MethodAvailabilityKey Features
BupaBupa from BabylonApp, Phone, Video24/7Same-day appointments, symptom checker, open referrals, prescription service.
AXA HealthDoctor at HandApp, Phone, Video24/7Provided by Teladoc Health, video consultations, open referrals, prescription delivery.
VitalityVitality GPApp, Phone, Video24/7Up to £100 towards minor tests/meds, integrated with wellness programme, video consultations.
The ExeterHealth+App, Phone, Video24/7Remote GP access, prescription service, and second medical opinion service included.
AvivaAviva Digital GPApp, Phone, Video24/7Provided by Square Health, unlimited consultations, choice of GP, open referrals.

A Deeper Look at Each Provider

Bupa

Bupa's digital GP service, Bupa from Babylon, is one of the most well-known in the market. It's seamlessly integrated into the Bupa ecosystem.

  • Strengths: The app is user-friendly and includes a sophisticated AI-powered symptom checker to help guide you before you even book an appointment. Bupa's strong brand and extensive network of consultants and hospitals mean that a referral from their digital GP service leads to a very smooth patient journey.

AXA Health

AXA Health partners with Teladoc Health to provide its Doctor at Hand service.

  • Strengths: Teladoc is a global leader in virtual care, so the technology is robust and reliable. They place a strong emphasis on video consultations, which many patients prefer for a more personal interaction. Their referral process is highly efficient, designed to get you authorised for specialist treatment quickly.

Vitality

Vitality is unique in its approach, deeply embedding its Vitality GP service within its overall wellness and rewards programme.

  • Strengths (illustrative): Vitality actively encourages you to be proactive about your health. Not only do they provide 24/7 GP access, but they also include a benefit of up to £100 per policy year towards the cost of private prescriptions and minor diagnostic tests recommended by the Vitality GP. Using the service is straightforward, and it's all part of their philosophy of rewarding healthy living.

The Exeter

The Exeter is a mutual society known for its flexible and member-focused approach. Their Health+ benefits package, which includes remote GP access, is often included as standard.

  • Strengths: The Exeter's Health+ provides more than just GP access; it also includes services like a second medical opinion and mental health support. This makes it a comprehensive value-added benefit that supports your overall wellbeing, not just your acute medical needs.

Aviva

Aviva's Digital GP, powered by Square Health, is a strong and competitive offering.

  • Strengths: Aviva promises unlimited consultations and allows you to choose your GP from a selection of doctors, which can be helpful for continuity of care. The app is simple to use, and like the others, it provides a fast track to open referrals for when you need to use the core benefits of your Aviva PMI policy.

An expert PMI broker, such as WeCovr, can help you compare the finer details of these offerings and determine which provider's ecosystem best aligns with your personal needs and preferences.

What to Look For When Comparing PMI for GP Access

When you're choosing a policy, don't just tick the "private GP" box. The quality and specifics of the service matter. Here's a checklist of what to consider:

  1. True 24/7 Availability: Does it cover evenings, weekends, and bank holidays? Illness doesn't stick to a 9-to-5 schedule.
  2. Consultation Method: Does the service offer video calls, or is it phone-only? Many people find a face-to-face video call more reassuring.
  3. In-Person Option: While most services are digital-first, some providers offer a limited number of face-to-face private GP appointments as part of their top-tier plans. Check if this is an option and if it's important to you.
  4. Ease of Use: A great service is useless if the app is clunky and difficult to navigate. Look at app store reviews for the provider's GP service to get real user feedback.
  5. Seamless Referral Pathway: How easy is it to get an open referral and have it approved by the insurer? A smooth, integrated process is a huge plus.
  6. Prescription Service: How does it work? Do they send the prescription to any pharmacy, a specific chain, or offer home delivery? Remember to factor in the cost of the medication itself.
  7. Family Coverage: If you have a family policy, can your partner and children use the GP service too? Check the terms, as some providers have age limits for children using the app.
  8. Usage Limits: Most providers offer unlimited consultations, but it's always wise to confirm this. You don't want to be caught out by a fair usage policy.

The Crucial Point: Pre-existing and Chronic Conditions

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

Standard UK private medical insurance is designed to cover new, acute conditions that arise after your policy begins.

Let's break down the key terms:

  • Acute Condition: A disease, illness, or injury that is short-lived and likely to respond quickly to treatment, leading to a full or near-full recovery. Examples include a broken bone, appendicitis, cataracts, or a joint needing replacement.
  • Chronic Condition: A condition that is long-term, has no known cure, and requires ongoing management. PMI does not cover the routine management of chronic conditions. Examples include diabetes, asthma, high blood pressure, eczema, and Crohn's disease.
  • Pre-existing Condition: Any disease, illness, or injury for which you have experienced symptoms, received medication, advice, or treatment in the years leading up to your policy start date (usually the last 5 years). Standard PMI does not cover pre-existing conditions.

What does this mean for Private GP access?

You can use the private GP service to discuss any health concern you have. However, if that concern relates to a pre-existing or chronic condition, the GP can offer advice but cannot refer you for private treatment under your PMI policy for that condition. The insurer will decline cover.

Example:

  • Scenario 1 (Covered): You develop new, sharp abdominal pain. You use the private GP app, they suspect appendicitis and give you an open referral to a general surgeon. Your PMI policy covers the specialist consultation and subsequent private surgery. This is a new, acute condition.
  • Scenario 2 (Not Covered): You have had asthma (a chronic condition) for 10 years. You use the private GP service to discuss your inhaler technique. The GP can provide advice, but they cannot refer you to a private respiratory specialist for routine management of your long-term asthma under the policy.

Understanding this distinction is vital. PMI is your safety net for the unexpected, not for managing long-term health issues you already have.

Beyond GP Access: The Added Value of Modern PMI

Today's best private health cover goes far beyond just paying for hospital stays. Insurers are increasingly focused on preventative care and holistic wellbeing, bundling a range of valuable services into their policies.

When you invest in PMI, you often gain access to:

  • Mental Health Support: This is a huge area of growth. Most policies now include access to telephone counselling helplines, and many offer a set number of face-to-face or virtual therapy sessions (e.g., CBT) without needing a GP referral.
  • Physiotherapy and Musculoskeletal (MSK) Support: Many insurers provide services to help you manage back, neck, and joint pain early on, sometimes before you even see a GP. This can include telephone triage with a physiotherapist or access to self-management apps.
  • Wellness Programmes: Vitality is the leader here, but other insurers are following suit. These programmes reward you with discounts, vouchers, and other perks for tracking your activity, eating well, and completing health checks.
  • Exclusive Member Benefits: As a policyholder, you often get access to extra perks. For example, customers who arrange their PMI through WeCovr receive complimentary access to CalorieHero, a powerful AI-driven calorie and nutrition tracking app to support their health goals. Furthermore, WeCovr clients can enjoy discounts on other insurance products, such as life or income protection insurance.

Simple Tips for Staying Healthy

While insurance is there for when things go wrong, the best strategy is always to stay healthy.

  • Diet: A balanced diet rich in whole foods, fruits, and vegetables is crucial. Using a tool like CalorieHero can help you understand your nutritional intake and make healthier choices.
  • Activity: The NHS recommends at least 150 minutes of moderate-intensity activity a week. Find something you enjoy, whether it's brisk walking, cycling, swimming, or dancing.
  • Sleep: Aim for 7-9 hours of quality sleep per night. It's essential for physical and mental recovery.
  • Stress Management: Chronic stress can impact your health. Practices like mindfulness, spending time in nature, or engaging in hobbies can make a big difference.

How a PMI Broker Like WeCovr Can Help

The UK private medical insurance market is complex. With dozens of policies, add-ons, and different underwriting options, choosing the right one can be overwhelming. This is where an independent PMI broker is invaluable.

An expert broker like WeCovr acts as your professional guide.

  1. Unbiased, Expert Advice: We are authorised and regulated by the Financial Conduct Authority (FCA). Our primary duty is to you, the client. We are not tied to any single insurer.
  2. Whole-of-Market Comparison: We use our expertise and technology to compare policies from all the leading UK providers, saving you hours of research. We analyse the details that matter, including the quality of their private GP service.
  3. No Cost to You: Our service is free for you to use. We receive a commission from the insurer if you decide to proceed with a policy, which is already built into the premium. You don't pay a penny more than going direct, and in many cases, we can find better deals.
  4. Personalised Recommendations: We take the time to understand your specific needs, your budget, and what's most important to you in a policy. Are you focused on cancer care? Mental health? Fast GP access? We tailor our search to find the perfect fit. Our high customer satisfaction ratings reflect our commitment to finding the right solution for every client.

Choosing the right private health cover is a significant decision. Let us do the heavy lifting for you.


Can I use the private GP from my PMI for a pre-existing condition?

You can generally use the private GP service to discuss any health concern, including a pre-existing one, and receive advice. However, the GP cannot provide a referral for private treatment of that pre-existing condition under your PMI policy. Private medical insurance in the UK is designed to cover new, acute conditions that arise after your policy starts, not for the treatment or management of conditions you already have.

Does using the private GP service affect my No Claims Discount (NCD)?

Generally, no. Most insurers treat their digital GP service as a value-added benefit that sits outside of the main policy claims process. Using it for a consultation or advice will not typically impact your No Claims Discount. However, if that GP provides a referral and you then make a claim for specialist treatment, that subsequent claim will affect your NCD as per your policy terms.

Are private prescriptions covered by my health insurance?

The private GP consultation itself is covered by your plan, but the cost of the medication prescribed is usually not. You will need to pay for the private prescription yourself at the pharmacy. Some providers, like Vitality, may offer a small contribution towards these costs, but in most cases, it is an out-of-pocket expense.

What is an "open referral" and why is it important?

An open referral is a recommendation from a GP to see a type of specialist (e.g., "a dermatologist") rather than a specifically named doctor. This is extremely important in private healthcare as it gives you and your insurer the flexibility to choose from a wide range of approved consultants in their network. This ensures you can find a specialist who is available quickly, is conveniently located, and is recognised by your insurer for cover.

Ready to get fast, expert medical advice when you need it most?

Take control of your health today. Contact WeCovr for a free, no-obligation quote and let our expert advisors compare the UK's leading private medical insurance plans to find the perfect cover for you and your family.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.
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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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