WeCovr.

Login

Polycystic Ovary Syndrome (PCOS)

Polycystic Ovary Syndrome (PCOS) 2025 | Top Insurance Guides

As an FCA-authorised broker that has helped arrange over 800,000 policies, WeCovr explains how private medical insurance in the UK can help you navigate a diagnosis of Polycystic Ovary Syndrome (PCOS). This guide offers an in-depth look at the condition, the diagnostic process, and how private health cover can support you.

WeCovr explains PCOS, diagnosis, and private treatment options

Polycystic Ovary Syndrome, or PCOS, is one of the most common hormonal disorders affecting women and people with ovaries in the UK. Yet, it remains widely misunderstood, often leading to a long and frustrating journey to diagnosis and treatment.

In this comprehensive guide, we'll break down everything you need to know about PCOS. We will explore its symptoms, the differences between seeking a diagnosis on the NHS versus going private, and crucially, what role private medical insurance (PMI) can play in your healthcare journey.

What Exactly is Polycystic Ovary Syndrome (PCOS)?

PCOS is a complex endocrine (hormone) condition. It's not a disease, but a syndrome—a collection of symptoms and signs that result from a hormonal imbalance. It primarily affects people of reproductive age, with the NHS estimating it impacts around 1 in every 10 women in the UK.

Despite its name, you don't actually have to have "cysts" on your ovaries to be diagnosed. The term "polycystic" refers to the appearance of multiple small, harmless follicles (underdeveloped sacs where eggs develop) on the ovaries, which can be seen on an ultrasound scan.

A diagnosis of PCOS is typically made if you meet at least two of the following three criteria, known as the Rotterdam criteria:

  1. Irregular or Absent Periods: This indicates that your ovaries are not regularly releasing eggs (ovulating).
  2. High Levels of Androgens: These are often called "male hormones," such as testosterone. While everyone produces androgens, high levels can cause physical symptoms like excess hair growth or acne. This is confirmed via a blood test.
  3. Polycystic Ovaries: An ultrasound scan reveals that your ovaries are enlarged and contain numerous small follicles.

It's important to remember that PCOS is a lifelong condition. There is currently no cure, but its wide-ranging symptoms can be effectively managed with the right combination of lifestyle changes and medical support.

Recognising the Symptoms of PCOS in the UK

PCOS manifests differently in everyone. Some may experience only mild symptoms, while for others, they can be severe and significantly impact daily life.

Common symptoms include:

  • Menstrual Issues:

    • Irregular periods (e.g., only having a few periods a year).
    • No periods at all (amenorrhoea).
    • Very heavy or unpredictable bleeding.

  • Hormonal & Physical Signs:

    • Hirsutism: Excess hair growth, often on the face, chest, back, or buttocks.
    • Acne: Particularly adult acne that is persistent and appears on the lower face, jawline, and neck.
    • Hair Loss: Thinning hair or hair loss from the scalp (androgenic alopecia).
    • Weight Gain: Difficulty managing weight, often with increased fat storage around the abdomen.
    • Skin Darkening: Patches of dark, velvety skin (acanthosis nigricans), usually in skin folds like the neck or underarms.

  • Reproductive Challenges:

    • Difficulty conceiving due to irregular ovulation. PCOS is a leading cause of female infertility.

  • Mental & Emotional Health:

    • Increased risk of anxiety and depression.
    • Low self-esteem and body image issues.

Imagine Sarah, a 28-year-old from Manchester. She's always had irregular periods but recently noticed worsening acne and has struggled to manage her weight despite a healthy diet. These combined symptoms prompted her to see a doctor to investigate the possibility of PCOS.

How is PCOS Diagnosed? The NHS vs. Private Route

Getting a formal diagnosis is the first and most crucial step toward managing PCOS. Here’s how the journey typically looks through both the NHS and private healthcare pathways.

The NHS Pathway

  1. GP Appointment: Your journey starts with a visit to your GP to discuss your symptoms and medical history.
  2. Initial Tests: Your GP will likely arrange for blood tests to check your hormone levels, blood sugar, and cholesterol.
  3. Referral for Scans: You'll be referred for a pelvic ultrasound scan to examine your ovaries.
  4. Waiting Times: Unfortunately, waiting for specialist referrals and non-urgent diagnostic tests on the NHS can take time. According to NHS England data, waiting lists for gynaecology appointments can extend for many months.
  5. Specialist Consultation: If your initial tests suggest PCOS, you may be referred to a specialist, such as an endocrinologist or a gynaecologist, for a formal diagnosis and treatment plan. This referral can also involve a significant wait.

The Private Pathway (with Private Medical Insurance)

  1. GP Referral: Most private medical insurance UK policies require a GP referral to authorise a claim. This can often be done quickly via a digital GP service included in your plan.
  2. Fast-Track Specialist Access: Once you have the referral, your PMI provider will authorise a consultation with a private specialist. You can typically see a consultant within days or a few weeks, bypassing the long NHS wait.
  3. Prompt Diagnostics: Your insurer will cover the cost of private blood tests and ultrasound scans, which can be arranged quickly at a time and location convenient for you.
  4. Choice and Control: You get to choose the specialist and hospital from your insurer's approved network, giving you greater control over your care.

Comparing the Diagnostic Pathways

FeatureNHS PathwayPrivate Pathway (with PMI)
Initial AccessGP appointmentGP referral needed for PMI claim
Waiting for SpecialistCan be many monthsTypically days or a few weeks
Diagnostic TestsSubject to NHS waiting listsQuick appointments at private facilities
Choice of HospitalLimited to local NHS trustWide choice from insurer's network
Continuity of CareMay see different doctorsOften see the same consultant
CostFree at the point of useCovered by your insurance policy (an excess may apply)

The Crucial Point: PCOS and Pre-existing Conditions in Private Medical Insurance

This is the single most important thing to understand about PCOS and private health cover.

Standard UK private medical insurance is designed to cover acute conditions—illnesses or injuries that are short-term and likely to respond quickly to treatment.

PCOS is a chronic condition, meaning it is long-term and requires ongoing management rather than a "cure".

Therefore, if you have already been diagnosed with PCOS, or have experienced symptoms and sought medical advice for it before taking out a policy, it will be classed as a pre-existing condition. Standard PMI policies will not cover the ongoing management of pre-existing or chronic conditions.

Think of it like car insurance: you cannot buy a policy to pay for repairs after you've already had an accident. Similarly, PMI is for new, unforeseen health issues that arise after your cover begins.

When you apply for PMI, your medical history is assessed in one of two ways:

  1. Moratorium Underwriting: This is the most common type. It automatically excludes any condition you've had symptoms of, or received treatment, medication, or advice for, in the 5 years before your policy starts. For PCOS, this means it would be excluded from cover.
  2. Full Medical Underwriting (FMU): You provide a full declaration of your medical history. The insurer will review it and place specific exclusions on your policy. With an existing PCOS diagnosis, they would explicitly exclude it from cover.

Honesty is always the best policy. Failing to declare a condition can invalidate your insurance when you need it most.

So, How Can Private Health Cover Help with PCOS?

Even with the exclusions on chronic conditions, a PMI policy can still be incredibly valuable for someone with PCOS. Here’s how:

1. Fast Diagnosis of New Symptoms

If you take out a policy before you have any symptoms of PCOS, your insurance can be a lifeline.

Let's imagine you start a policy in January. In August, you begin experiencing irregular periods and acne for the first time. Your PMI policy would cover the cost of:

  • An urgent private GP appointment.
  • A swift referral to a private gynaecologist or endocrinologist.
  • All the necessary diagnostic blood tests and scans to find out what is wrong.

You would receive a diagnosis in weeks, not months. While the long-term management of PCOS would then likely revert to the NHS (as it's a chronic condition), you have bypassed the lengthy and anxious wait for a diagnosis. This speed is the primary benefit of PMI in this scenario.

2. Treatment for Unrelated Acute Conditions

Having PCOS doesn't stop you from developing other health issues. If you need a hip replacement, gallbladder surgery, or treatment for a new cancer diagnosis, your PMI policy will provide you with fast access to high-quality private treatment, allowing you to avoid NHS waiting lists and focus on your recovery.

3. Access to Valuable Wellness Benefits

Modern PMI policies are about more than just surgery. They often include a suite of benefits that are perfect for helping manage PCOS symptoms:

  • Digital GP Access: 24/7 access to a GP by phone or video for quick advice.
  • Mental Health Support: Most leading policies now include access to counselling or therapy to help with the anxiety and depression that can accompany PCOS.
  • Nutrition and Diet Support: Some comprehensive plans offer consultations with a registered dietitian, which is invaluable for creating a diet plan to manage insulin resistance and weight.
  • Fitness and Wellness Discounts: Many insurers, like Vitality and AXA Health, offer rewards and discounts on gym memberships, fitness trackers, and healthy food, incentivising the lifestyle changes that are key to managing PCOS.
  • Exclusive WeCovr Benefits: When you arrange a policy through WeCovr, you also get complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, making it easier to manage your dietary goals.

4. Covering Acute Complications

In some rare and specific instances, a policy might cover an acute complication arising from a chronic condition. For example, if fertility treatment (which is rarely covered) were to cause an acute, dangerous condition like Ovarian Hyperstimulation Syndrome (OHSS), the emergency inpatient treatment for OHSS might be covered as it's an acute medical event. This is highly dependent on the insurer and your specific policy wording.

Private Treatment Options for PCOS Symptoms

Managing PCOS involves a multi-faceted approach. While ongoing care is typically via the NHS, private options (either self-funded or through specific PMI benefits) can complement this.

Treatment AreaNHS ApproachPrivate & Self-Funded OptionsPMI Coverage?
LifestyleGP advice on diet and exercise.Private dietitian, personal trainer, wellness apps.Often supported via policy wellness benefits.
Hormonal RegulationHormonal contraceptives (the pill), intrauterine system (IUS).Same medications available via private prescription.No, medication for chronic conditions is excluded.
Insulin ResistanceMetformin (a diabetes drug used 'off-label').Same medication available via private prescription.No, medication for chronic conditions is excluded.
Excess Hair (Hirsutism)Prescription creams (e.g., Vaniqa). Limited access to cosmetic treatments.Laser hair removal, electrolysis.No, cosmetic treatments are a standard exclusion.
AcneTopical treatments, antibiotics, specialist drugs like Roaccutane via dermatologist referral.Private dermatologist consultation for advanced treatment plans.Potentially for diagnosis, not long-term treatment.
FertilityReferral to NHS fertility clinic (strict criteria and long waits). Ovulation induction drugs like Clomifene.Private fertility clinics for Clomifene, IVF, IUI etc.No, fertility treatment is a standard exclusion.

For many, the biggest concern with PCOS is its impact on fertility. It's vital to be clear on this point: fertility investigation and treatment are standard exclusions on almost all individual private medical insurance policies in the UK.

Insurers view fertility treatment not as a cure for an acute condition, but as a planned series of procedures. While the NHS does offer fertility services, access is governed by a "postcode lottery" with strict criteria regarding age, BMI, and whether you or your partner have other children.

This means that for many, the only viable route for treatments like In Vitro Fertilisation (IVF) is to self-fund at a private clinic. A PMI policy can help diagnose the underlying PCOS quickly, but the subsequent fertility journey will almost certainly need to be funded separately.

Lifestyle and Wellness Tips for Managing PCOS

The foundation of PCOS management lies in your daily habits. Small, consistent changes can have a huge impact on your symptoms and overall well-being.

Diet and Nutrition

  • Focus on a Low-Glycaemic Index (GI) Diet: Choose complex carbohydrates that release sugar slowly (e.g., whole grains, legumes, vegetables) over simple carbs (e.g., white bread, sugary snacks). This helps manage insulin levels, a key driver of PCOS symptoms.
  • Balance Your Plate: Aim for a mix of lean protein, healthy fats (like avocado, nuts, and olive oil), and fibre at every meal to promote satiety and stable blood sugar.
  • Stay Hydrated: Drink plenty of water throughout the day.
  • Use a Tracking App: Tools like WeCovr's complimentary CalorieHero app can help you monitor your intake and make informed choices about your food.

Exercise and Activity

  • Find What You Love: The best exercise is the one you'll stick with. Whether it's brisk walking, swimming, dancing, or weightlifting, consistency is key.
  • Mix It Up: A combination of cardiovascular exercise (to improve heart health and insulin sensitivity) and strength training (to build muscle, which improves metabolism) is ideal.
  • Aim for 150 Minutes: The NHS recommends at least 150 minutes of moderate-intensity activity per week.

Sleep and Stress

  • Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. Poor sleep can disrupt hormone levels and worsen insulin resistance.
  • Manage Stress: Chronic stress raises cortisol, which can exacerbate PCOS symptoms. Incorporate stress-reducing activities into your routine, such as yoga, meditation, mindfulness, or simply spending time in nature.

How WeCovr Can Help You Find the Right Cover

Navigating the world of private medical insurance can be complex, especially with a condition like PCOS. That's where an expert PMI broker like WeCovr comes in.

  • We're Independent Experts: We are not tied to any single insurer. We compare plans from across the market to find the one that best suits your individual circumstances and budget.
  • We Understand the Nuances: We know the fine print. We can clearly explain how different insurers approach chronic conditions and help you understand exactly what is and isn't covered.
  • Our Service is Free: You don't pay anything extra for our expert advice and support. We are paid a commission by the insurer you choose.
  • Added Value: We provide extra benefits like our CalorieHero app and can offer you discounts on other types of cover, such as life insurance, if you take out a PMI policy with us. Our high customer satisfaction ratings reflect our commitment to helping our clients.

I've just been diagnosed with PCOS. Can I get private medical insurance to cover it?

Generally, no. Standard UK private medical insurance policies do not cover pre-existing chronic conditions like PCOS. However, a policy is still highly valuable for providing fast access to treatment for any new, unrelated acute conditions you may develop in the future, and for the wellness benefits that can help you manage your PCOS symptoms.

Does private health insurance in the UK cover fertility treatment for PCOS?

No, fertility investigations and treatments like IVF are a standard exclusion on the vast majority of individual private health cover plans. This is because they are not considered treatment for an acute medical condition. You should expect to rely on the NHS or self-fund these treatments privately.

If I develop PCOS symptoms *after* buying a policy, will PMI cover my diagnosis?

Yes. If you develop new symptoms after your policy has started, your PMI will typically cover the costs of the private specialist consultations, blood tests, and scans required to get a diagnosis. This allows you to bypass long NHS waits. Once PCOS is diagnosed as a chronic condition, the ongoing management would not be covered, but the policy provides immense value in achieving a fast and stress-free diagnosis.

Do I need to declare my PCOS when applying for health insurance?

Yes, it is crucial to be transparent. If you choose 'Full Medical Underwriting', you must declare your PCOS diagnosis and any related treatment. The insurer will then place a specific exclusion on your policy. With 'Moratorium' underwriting, the condition is automatically excluded if you have had symptoms or treatment for it within the last 5 years. Not disclosing a condition can lead to a claim being denied and could invalidate your policy.

Ready to explore your private medical insurance options and see how a policy could support your health and wellbeing?

The expert, friendly team at WeCovr is here to help. We'll compare the market for you, answer all your questions, and find a policy that fits your needs and budget—all at no cost to you.

[Get Your Free, No-Obligation Quote Today]

Get A Free Quote

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 FCA-authorised 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:

Our Group Is Proud To Have Issued 800,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

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.

Learn more

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2025 WeCovr. Made with in London