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PMI Tax Implications for Employers UK

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

As an FCA-authorised expert with over 900,000 policies arranged, WeCovr understands the nuances of private medical insurance in the UK. This guide demystifies the tax implications for employers, explaining exactly how offering private health cover affects your company's finances and your employees' tax positions. Can companies deduct PMI costs as a business expense?

Key takeaways

  • Annual PMI Premium Cost (illustrative): £800 per employee x 10 employees = £8,000
  • Company's Profit Before PMI (illustrative): £100,000
  • Corporation Tax Rate (2025): 25%
  • Attracting and retaining top talent: A strong benefits package makes your company more competitive.
  • Reducing sickness absence: Faster access to diagnosis and treatment gets employees back to work sooner.

As an FCA-authorised expert with over 900,000 policies arranged, WeCovr understands the nuances of private medical insurance in the UK. This guide demystifies the tax implications for employers, explaining exactly how offering private health cover affects your company's finances and your employees' tax positions.

Can companies deduct PMI costs as a business expense?

Yes, absolutely. For a limited company in the UK, the cost of providing private medical insurance (PMI) to its employees is almost always considered an allowable business expense. This means the full cost of the insurance premiums can be deducted from your company's revenue before calculating its Corporation Tax bill.

In simple terms, HMRC views employee health insurance as a staff welfare and remuneration cost, similar to a salary or a pension contribution. As long as the expense is "wholly and exclusively" for the purpose of the trade—which rewarding and retaining staff certainly is—it is tax-deductible.

This deduction makes offering PMI significantly more affordable than the headline premium price might suggest. By reducing your taxable profit, you directly lower the amount of Corporation Tax you owe.

How the Tax Deduction Works in Practice

Let's imagine a small software company, "Innovate Ltd," decides to provide PMI for its 10 employees.

  • Annual PMI Premium Cost (illustrative): £800 per employee x 10 employees = £8,000
  • Company's Profit Before PMI (illustrative): £100,000
  • Corporation Tax Rate (2025): 25%
ScenarioWithout PMIWith PMI
Gross Profit£100,000£100,000
PMI Expense Deduction£0£8,000
Taxable Profit£100,000£92,000
Corporation Tax Owed (at 25%)£25,000£23,000
Tax Saving-£2,000

As you can see, by spending £8,000 on a valuable employee benefit, Innovate Ltd saves £2,000 in Corporation Tax. This effectively reduces the net cost of the health insurance scheme to just £6,000. (illustrative estimate)

Understanding Corporation Tax and Allowable Expenses

To fully grasp the benefit, it's helpful to understand the two key concepts at play: Corporation Tax and allowable expenses.

Corporation Tax is a tax paid by UK limited companies and certain other organisations on their annual profits. The profit is calculated by subtracting all business costs from total revenue. The current main rate of Corporation Tax is 25%.

Allowable Expenses are the costs that your company can deduct from its revenue to arrive at its taxable profit. The fundamental rule from HMRC is that for a cost to be allowable, it must be "wholly and exclusively for the purposes of the trade."

Providing private health cover for employees easily meets this test. It serves several clear business purposes:

  • Attracting and retaining top talent: A strong benefits package makes your company more competitive.
  • Reducing sickness absence: Faster access to diagnosis and treatment gets employees back to work sooner.
  • Boosting morale and productivity: Showing you care for your team's wellbeing fosters a positive work environment.

Because PMI is a legitimate staff cost, it is treated just like any other allowable expense, such as office rent, utility bills, or salaries.

The Tax Implications for Employees: P11D and Benefit in Kind (BIK)

This is a critical part of the equation. While the company enjoys tax relief, the employee who receives the health cover must pay income tax on its value. This is because HMRC classifies private medical insurance as a 'Benefit in Kind' (BIK).

A BIK is any non-cash benefit that an employee receives from their employer. Think of company cars, gym memberships, or, in this case, private health cover. These benefits have a cash equivalent value, and that value is subject to income tax.

The P11D Form

Each year, employers must report the value of any benefits in kind provided to their employees to HMRC. This is done using a P11D form.

  • Who is it for? A P11D must be completed for each employee who receives benefits in kind.
  • What does it do? It details the type of benefit and its cash value for the tax year (which runs from 6th April to 5th April).
  • Deadline: The P11D form must be submitted to HMRC by 6th July following the end of the tax year.

The value reported on the P11D form is then added to the employee's total earnings for the year, and they pay income tax on it at their marginal rate (20%, 40%, or 45% in England, Wales, and Northern Ireland).

How Employee BIK Tax is Calculated: An Example

Let's return to our example employee at Innovate Ltd, who receives a PMI policy with an annual premium of £800. How much extra tax will they pay? It depends on their income tax band.

Employee's Income Tax BandTax RateAnnual Premium (BIK Value)Annual Tax Owed on PMIMonthly Tax Owed
Basic Rate Taxpayer20%£800£160£13.33
Higher Rate Taxpayer40%£800£320£26.67
Additional Rate Taxpayer45%£800£420£35.00

This tax is usually collected automatically through a change in the employee's tax code, which reduces their tax-free personal allowance. This means they will see a small reduction in their net pay each month. It's crucial for employers to communicate this clearly to staff when launching a PMI scheme.

How Class 1A National Insurance Contributions Work for Employers

The tax implications don't end with Corporation Tax relief for the company and income tax for the employee. There is one more important cost for the employer: Class 1A National Insurance Contributions (NICs).

Employers are required to pay Class 1A NICs on the total value of most benefits in kind they provide to their employees. This is a separate payment made to HMRC.

  • The Rate: The Class 1A NICs rate for the 2024/2025 tax year is 13.8%.
  • Calculation: The employer pays 13.8% of the total BIK value. In our Innovate Ltd example, the total value of the PMI benefit is £8,000.
  • Cost to Employer (illustrative): 13.8% of £8,000 = £1,104.

This Class 1A NIC payment is also an allowable business expense, so it can be deducted from profits before calculating Corporation Tax.

The Full Picture: Calculating the True Net Cost for an Employer

Let's put all the pieces together to find the true, final cost for Innovate Ltd to provide PMI for its 10 employees.

ItemCost / (Saving)Calculation
1. Annual PMI Premium£8,000£800 x 10 employees
2. Class 1A National Insurance£1,10413.8% of £8,000
Total Gross Outlay£9,104(Line 1 + Line 2)
3. Corporation Tax Relief(£2,276)25% of £9,104
True Net Cost to Company£6,828(Gross Outlay - Tax Relief)

So, while the initial premium was £8,000, the final, after-tax cost to the business is only £6,828. This represents a total saving of 27.2% on the gross outlay. For a benefit that can dramatically improve employee health and loyalty, this represents outstanding value for money. (illustrative estimate)

Are There Any Exceptions or Special Cases?

While the rules are straightforward for most limited companies and their employees, there are a few scenarios where the tax treatment differs.

Sole Traders and Partnerships

For self-employed sole traders or members of a partnership, the tax situation is less favourable. If you buy private medical insurance for yourself, HMRC will generally not allow you to claim it as a business expense.

The "wholly and exclusively" rule is interpreted much more strictly here. HMRC argues that an individual's health is a personal matter, not a business one, even if illness would prevent you from working. Any benefit you receive is considered a dual-purpose expense (personal and business), which disqualifies it from tax relief.

However, if a sole trader or partnership employs other people, they can provide PMI to their employees and claim the full cost as an allowable business expense, just like a limited company. The employees would still be liable for BIK tax.

Company Directors

Company directors are treated as employees for tax purposes. This means:

  • A company can pay for a director's private medical insurance.
  • The premium is an allowable business expense for the company.
  • The director must pay income tax on the value of the benefit (it's a BIK).
  • The company must pay Class 1A NICs on the premium cost.

Business Health Insurance Trusts

For very large organisations, a Business Health Insurance Trust can be a more tax-efficient way to manage employee healthcare. A trust is a separate legal entity that holds funds specifically for paying employees' medical claims.

  • How it works: The company makes payments into the trust, which are an allowable business expense.
  • Tax benefit: When the trust pays for an employee's treatment, it is not usually considered a BIK. This means the employee does not pay income tax, and the employer does not pay Class 1A NICs.
  • Considerations: Setting up and administering a trust is complex and expensive. It is typically only viable for companies with hundreds or thousands of employees.

For most small and medium-sized enterprises (SMEs), a standard group PMI scheme is the most practical and cost-effective solution. An expert broker like WeCovr can help you determine the best structure for your specific business needs.

The Broader Benefits of Offering PMI: Beyond the Tax Deduction

The significant tax efficiencies are a major advantage, but the true value of offering private medical insurance UK lies in the profound positive impact it has on your workforce and your business operations.

1. Attracting and Retaining Top Talent

In a competitive job market, a comprehensive benefits package is a powerful differentiator. After salary and pension, health and wellbeing benefits are consistently ranked as what employees value most. Offering PMI signals that you are a caring employer who invests in your team's long-term health.

2. Reducing Sickness Absence

This is perhaps the most direct and measurable return on investment. With NHS waiting lists reaching record levels—the latest NHS England data shows over 7.5 million cases on the referral-to-treatment waiting list—employees can face long, anxious waits for diagnosis and treatment.

PMI provides a fast track to specialist consultations, diagnostic scans (like MRI and CT), and surgical procedures. This can reduce an employee's time off work from months to mere weeks. According to the Office for National Statistics (ONS), a record 185.6 million working days were lost due to sickness or injury in 2022, costing the UK economy billions. Reducing this figure in your own business can have a huge impact on productivity and profitability.

3. Boosting Productivity and Morale

It's not just about absence. An employee worried about a health issue or struggling with pain while waiting for treatment is unlikely to be fully focused or productive. This 'presenteeism' can be just as costly as absenteeism. Quick access to care alleviates this stress, improving focus and overall morale across the team.

4. Comprehensive Wellness and Preventative Care

Modern private health cover is about much more than just treating illness. The best PMI providers now include a host of proactive wellness benefits, such as:

  • 24/7 Virtual GP Access: Allowing employees to speak to a doctor anytime, anywhere, often getting a prescription the same day.
  • Mental Health Support: Access to counselling and therapy sessions without a long wait.
  • Gym Discounts and Fitness Programmes: Encouraging an active lifestyle.
  • Diet and Nutrition Advice: Supporting healthy habits.

At WeCovr, we go a step further. All our clients who purchase health or life insurance receive complimentary access to CalorieHero, our cutting-edge AI-powered calorie tracking and nutrition app, helping your team build healthy habits day by day. We also offer exclusive discounts on other insurance products to help your employees protect their families and finances.

A Note on What UK Private Medical Insurance Covers

It is essential for both employers and employees to understand the scope of a standard UK PMI policy. This helps manage expectations and ensures the benefit is properly understood.

PMI is designed to cover ACUTE conditions that arise AFTER your policy begins.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., joint replacement, cataract surgery, hernia repair, cancer treatment).

PMI is NOT designed to cover CHRONIC or PRE-EXISTING conditions.

  • A chronic condition is an illness that continues indefinitely and has no known cure. It can be managed but not resolved (e.g., diabetes, asthma, high blood pressure, arthritis). Day-to-day management of chronic conditions remains with the NHS.
  • A pre-existing condition is any illness, injury, or symptom for which you have sought advice, diagnosis, or treatment in the years before your policy starts (typically the last 5 years).

Underwriting: How Insurers Handle Pre-existing Conditions

There are two main ways that insurers assess pre-existing conditions, and you will need to choose one when setting up a group scheme.

  1. Moratorium Underwriting (Most Common): This is a "don't ask, just cover" approach. The policy automatically excludes any condition you've had in the 5 years before joining. However, if you remain symptom-free, treatment-free, and advice-free for that condition for a continuous 2-year period after your policy starts, the exclusion may be lifted.
  2. Full Medical Underwriting (FMU): This involves completing a detailed health questionnaire for each employee. The insurer then reviews their medical history and may apply specific, permanent exclusions to the policy for any pre-existing conditions they identify. It provides certainty from day one but is more administratively intensive.

A knowledgeable broker can advise on which underwriting method is best for your group.

How to Set Up a Company PMI Scheme: A Step-by-Step Guide

Implementing a private medical insurance scheme for your business is a straightforward process when you have expert guidance.

  1. Define Your Budget and Objectives:

    • How much can you afford to spend per employee, per year? Remember to factor in the tax savings.
    • How many employees will be covered? Just senior management, or the whole company?
    • What is your primary goal? Is it to reduce sickness absence, attract new hires, or reward long-serving staff?

  2. Speak to an Independent PMI Broker:

    • This is the most important step. A specialist broker like WeCovr does not charge you for their service. Their fee is paid by the insurer you choose.
    • A broker works for you, not the insurance company. They provide impartial advice and use their market knowledge to find the best possible terms and price for your business.

  3. Compare the Market and Customise Your Policy:

    • Your broker will present you with quotes from leading UK insurers (e.g., Bupa, Aviva, AXA Health, Vitality). They will help you compare not just the price, but the crucial details of the cover.
    • You can customise the policy to fit your budget by adjusting options like:
      • Level of Outpatient Cover: The limit for consultations and diagnostics.
      • Hospital List: Which private hospitals are included.
      • Excess: An amount the employee pays towards any claim.

  4. Choose Your Underwriting Method:

    • Your broker will explain the pros and cons of Moratorium vs. Full Medical Underwriting for your specific group and help you make the right choice.

  5. Implement and Communicate:

    • Once you've chosen a policy, your broker will handle the application process.
    • It's vital to then communicate the new benefit clearly to your staff. Explain what is covered, how to make a claim, and—importantly—the personal tax implications (Benefit in Kind). A clear launch helps ensure the benefit is valued and used correctly.

The UK private health insurance market is complex, with dozens of providers and hundreds of policy combinations. Trying to navigate this alone can be time-consuming and risks you choosing a policy that isn't right for your business or your people.

Partnering with an FCA-authorised broker like WeCovr simplifies the entire process and provides invaluable peace of mind.

  • Whole-of-Market Access: We compare policies from all the UK's leading insurers to find the perfect fit.
  • Expert Advice: Our specialists understand the fine print and can tailor a plan to meet your specific business goals and budget.
  • Unbeatable Value: We leverage our relationships with insurers to negotiate competitive terms on your behalf.
  • No Cost to You: Our expert advice and support are completely free for our clients.
  • High Customer Satisfaction: Our reputation is built on providing clear, honest, and effective advice that puts our clients first.

Do employees have to pay tax on company health insurance?

Yes. In the UK, private medical insurance paid for by an employer is considered a 'Benefit in Kind' (BIK). The value of the insurance premium is added to the employee's income for the year, and they must pay income tax on it at their marginal rate (e.g., 20% or 40%). This is usually collected via a change to their tax code.

Is private health insurance tax deductible for a sole trader in the UK?

Generally, no. A sole trader cannot usually claim their own private medical insurance as a tax-deductible business expense. HMRC considers an individual's health a personal matter, not a business one. However, if a sole trader has employees, they can provide health insurance to them and claim the cost as an allowable business expense.

What is a P11D form and who is responsible for it?

A P11D form is used by an employer to report the value of any benefits in kind (like private health insurance) provided to an employee during the tax year. The employer is responsible for completing the P11D form for each relevant employee and submitting it to HMRC by the 6th of July each year.

Does company PMI cover pre-existing conditions?

No, standard UK private medical insurance policies are designed to cover new, acute medical conditions that arise after the policy begins. They do not cover pre-existing conditions (illnesses you had before joining) or chronic conditions (long-term illnesses that cannot be cured).

Ready to explore how a private medical insurance scheme can benefit your business and your team? Contact WeCovr today for a free, no-obligation chat and a comparison of the market's leading policies. Let our experts handle the complexity, so you can focus on what you do best: running your business.

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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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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