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Private Child Autism Assessment Cost 2026 Prices & EHCP Acceptance

Private Child Autism Assessment Cost 2026 Prices & EHCP...

TL;DR

As expert UK private medical insurance brokers, WeCovr understands the difficult journey many parents face when seeking a timely autism diagnosis for their child. With extensive experience helping over 900,000 clients secure various policies, our FCA-authorised team provides clarity on what private healthcare can and cannot do in this complex area. The 2026 price list for private ADOS-2 assessments (£1,800–£3,500).

Key takeaways

  • Private Assessment Cost: A comprehensive, multi-disciplinary private autism assessment for a child in 2026 is projected to cost between £1,800 and £3,500.
  • The Gold Standard: The most robust assessments, and those most likely to be accepted by local authorities, are conducted by a Multi-Disciplinary Team (MDT) and include tools like the ADOS-2 and ADI-R.
  • EHCP Acceptance: Local authorities are legally required to consider private diagnostic reports, but they are not automatically accepted. Acceptance hinges on the assessment meeting specific NICE (National Institute for Health and Care Excellence) guidelines.
  • Role of PMI: Standard UK private medical insurance does not cover the diagnosis or management of autism, as it is a chronic, developmental condition. PMI is designed for new, acute conditions.
  • NHS Waiting Times: In many parts of the UK, the wait for an initial appointment on a neurodevelopmental pathway via Child and Adolescent Mental Health Services (CAMHS) or community paediatrics can stretch from 18 months to over three years. The NHS itself reported in late 2023 that hundreds of thousands of children were on waiting lists for community health services.

As expert UK private medical insurance brokers, WeCovr understands the difficult journey many parents face when seeking a timely autism diagnosis for their child. With extensive experience helping over 900,000 clients secure various policies, our FCA-authorised team provides clarity on what private healthcare can and cannot do in this complex area.

The 2026 price list for private ADOS-2 assessments (£1,800–£3,500). We explain which private diagnoses are accepted by schools for EHCP support

Navigating the path to an autism diagnosis for your child can feel overwhelming. Faced with significant NHS waiting lists, many UK families are now considering the private sector to get the clarity and support their child needs sooner. However, this route comes with its own set of questions, primarily concerning cost and whether a private diagnosis will be recognised by your local authority for crucial educational support.

This definitive 2026 guide breaks down everything you need to know. We will cover the expected costs of a private child autism assessment, explain what a "gold standard" diagnosis looks like, and clarify the critical requirements for getting a private report accepted for an Education, Health and Care Plan (EHCP).

Key Takeaways for 2026:

  • Private Assessment Cost: A comprehensive, multi-disciplinary private autism assessment for a child in 2026 is projected to cost between £1,800 and £3,500.
  • The Gold Standard: The most robust assessments, and those most likely to be accepted by local authorities, are conducted by a Multi-Disciplinary Team (MDT) and include tools like the ADOS-2 and ADI-R.
  • EHCP Acceptance: Local authorities are legally required to consider private diagnostic reports, but they are not automatically accepted. Acceptance hinges on the assessment meeting specific NICE (National Institute for Health and Care Excellence) guidelines.
  • Role of PMI: Standard UK private medical insurance does not cover the diagnosis or management of autism, as it is a chronic, developmental condition. PMI is designed for new, acute conditions.

Why are UK Parents Turning to Private Autism Assessments?

The primary driver for families exploring private options is the extensive waiting time for NHS assessments. For many, waiting is not a viable option.

  • NHS Waiting Times: In many parts of the UK, the wait for an initial appointment on a neurodevelopmental pathway via Child and Adolescent Mental Health Services (CAMHS) or community paediatrics can stretch from 18 months to over three years. The NHS itself reported in late 2023 that hundreds of thousands of children were on waiting lists for community health services.
  • Impact of Delays: A long wait for diagnosis means a long wait for understanding and support. This can negatively impact a child's mental health, educational attainment, and social development. Families often experience immense stress and feel they are in limbo, unable to access resources that could make a significant difference.
  • The Need for an EHCP: For children who require support beyond what a mainstream school can typically provide, an EHCP is essential. This legal document unlocks funding for vital resources like one-to-one support, speech therapy, or a place at a specialist school. A formal diagnosis is the gateway to beginning the EHCP needs assessment process.

Opting for a private assessment is a proactive step many parents take to bypass these delays and start the process of securing the right support for their child's future.

2026 UK Private Child Autism Assessment Costs: A Detailed Breakdown

The price of a private assessment varies significantly based on its thoroughness. A cheap, single-practitioner assessment is a false economy, as it is highly likely to be rejected by your local authority for EHCP purposes.

Here is a breakdown of the expected costs in 2026 for different levels of private assessment.

Type of AssessmentKey ComponentsEstimated 2026 Cost RangeLikelihood of EHCP Acceptance
Basic ScreeningOnline questionnaires, single remote consultation with one clinician (e.g., a psychologist).£700 – £1,200Very Low
Single Clinician AssessmentAssessment by a single professional (e.g., paediatrician or psychologist), may include an ADOS-2.£1,500 – £2,200Low to Moderate
Full Multi-Disciplinary (MDT) AssessmentThe 'Gold Standard'. Involves a paediatrician, speech therapist, and psychologist. Includes ADOS-2, ADI-R, cognitive tests, and a highly detailed report.£1,800 – £3,500+High

Factors Influencing the Final Cost:

  • Location: Clinics in London and the South East are typically more expensive than those in other parts of the UK.
  • Team Composition: The more senior and experienced the clinicians in the MDT, the higher the fee.
  • In-Person vs. Remote: A fully in-person assessment, including a school observation, will cost more than one conducted partially or fully remotely.
  • Report Complexity: The depth and detail of the final diagnostic report contribute to the cost. A comprehensive report suitable for an EHCP application can be over 30 pages long.

Insider Adviser Tip: Always ask a potential clinic if their assessment is "NICE-guideline compliant for autism diagnosis in under 19s". If they can't give you a confident 'yes', you should be cautious. A cheap report that gets rejected is a waste of money and precious time.

Will My Local Authority Accept a Private Diagnosis for an EHCP?

This is the most critical question for parents investing in a private assessment. The answer is nuanced: a local authority is not legally required to accept a private diagnosis, but they must take it into account as evidence when conducting an EHCP needs assessment.

Under the SEND Code of Practice (0 to 25 years), the local authority must consider all information provided by parents. However, for a private report to carry significant weight and be accepted as the basis for an EHCP, it must meet the same high standards as an NHS assessment.

Key Requirements for a Private Diagnosis to be Accepted:

  1. Follows NICE Guidelines: The assessment process must adhere to the NICE guideline [NG20] on 'Autism spectrum disorder in under 19s: recognition, referral and diagnosis'.
  2. Conducted by a Multi-Disciplinary Team (MDT): This is non-negotiable. A diagnosis from a single professional is easily dismissed. The team should ideally include:
    • A paediatrician or child and adolescent psychiatrist.
    • A speech and language therapist (SaLT).
    • A clinical or educational psychologist.
  3. Uses 'Gold Standard' Tools: The assessment must use a combination of recognised diagnostic tools, including:
    • ADOS-2 (Autism Diagnostic Observation Schedule, 2nd Edition): A semi-structured, play-based assessment of communication, social interaction, and imaginative use of materials.
    • ADI-R (Autism Diagnostic Interview-Revised): A detailed, structured interview with the parents/carers about the child's developmental history.
  4. Qualified and Registered Professionals: All clinicians involved must be registered with the appropriate UK professional bodies, such as the General Medical Council (GMC) for doctors and the Health and Care Professions Council (HCPC) for therapists and psychologists.
  5. A Comprehensive Report: The final report must be thorough, explaining how the child meets the diagnostic criteria for Autism Spectrum Disorder (ASD) according to the DSM-5 or ICD-11, and providing clear, evidence-based recommendations for support.

If your private report meets all these criteria, it is very difficult for a local authority to reasonably disregard it.

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The Role of Private Medical Insurance (PMI) in Autism Assessments

A common question we receive at WeCovr is whether private medical insurance can pay for a child's autism assessment.

The answer is clear: Standard UK private medical insurance policies do not cover the assessment, diagnosis, or ongoing management of autism and other developmental disorders.

Here’s why:

  • PMI Covers Acute Conditions: Private health cover is designed to treat acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include joint replacements, cataract surgery, or cancer treatment.
  • Autism is a Chronic Condition: Autism is a lifelong, neurodevelopmental condition. In insurance terms, it is classified as chronic. A chronic condition is one that continues indefinitely, has no known cure, requires ongoing management, and may have flare-ups. All standard PMI policies explicitly exclude chronic conditions.

While PMI won't fund the assessment itself, it can still be a valuable part of your family's overall healthcare provision. It provides peace of mind that should your child develop an unrelated, acute medical issue—like needing grommets for glue ear or surgery for a broken bone—they can receive prompt, private treatment without long waits.

Our expert advisers at WeCovr can help you navigate the small print of any policy, ensuring you have a complete understanding of what is and isn't covered before you commit. When you arrange your family's health insurance through us, you also gain complimentary access to CalorieHero, our AI-powered nutrition app, to support your family's wellness journey.

How to Choose a Reputable Private Autism Assessment Provider

Choosing the right clinic is crucial to ensure your investment leads to a useful, accepted diagnosis. Use this checklist when researching providers:

Essential Questions to Ask a Private Clinic:

Are you a multi-disciplinary team?

  • Follow-up: Who is on your core diagnostic team? (Look for the paediatrician/psychiatrist, SaLT, and psychologist combination).

Are all your clinicians registered with the GMC and/or HCPC?

  • Follow-up: Can you provide me with their registration numbers? (You can verify these online).

Do you follow NICE guideline [NG20]?

  • Follow-up: How does your assessment process align with these guidelines?

Does your full assessment include both the ADOS-2 and a detailed developmental history interview like the ADI-R?

  • A 'yes' to both is a strong positive signal.

Will the final report be comprehensive enough for an EHCP application?

  • Follow-up: Does it include specific, quantified recommendations for educational support? Can I see an anonymised sample report?

Red Flags to Watch For:

  • Guaranteed Diagnosis: No reputable clinician can guarantee a diagnosis before an assessment.
  • Unusually Low Prices: Costs significantly below the £1,800 mark may indicate a single-clinician or incomplete assessment.
  • Focus on a Single Tool: Marketing that focuses only on the "ADOS test" without mentioning the vital multi-disciplinary context.
  • Lack of Transparency: Evasiveness when asked about clinician registrations or adherence to NICE guidelines.

Final Thoughts: Investing in Your Child's Future

The decision to pursue a private autism assessment is a significant one, both emotionally and financially. While the projected 2026 cost of £1,800 to £3,500 is substantial, for many families, the price of waiting is far greater.

By choosing a reputable, multi-disciplinary provider that adheres to NICE guidelines, you are investing in a robust, credible report that stands the best possible chance of being accepted by your local authority. This can unlock the door to an EHCP and the vital support your child needs to thrive.

While private medical insurance doesn't cover this specific journey, understanding its role in your family's broader health is key. For expert, no-obligation advice on finding the right private health cover for your family's acute medical needs, our team is here to help.

Ready to secure your family's health and peace of mind? Speak to a WeCovr adviser today for a free, personalised comparison of the UK's leading PMI providers.



Does private health insurance pay for a child's autism assessment in the UK?

No. Standard UK private medical insurance (PMI) policies do not cover assessments or treatment for developmental disorders like autism. PMI is designed for new (acute) medical conditions that arise after your policy begins, whereas autism is considered a pre-existing and chronic neurodevelopmental condition, which is a standard exclusion.

How much does a private ADOS-2 assessment cost in 2026?

The ADOS-2 tool is only one part of a full assessment. A comprehensive, multi-disciplinary private autism assessment, which includes the ADOS-2, is expected to cost between £1,800 and £3,500 in 2026. The final price depends on the clinic's location, the team's expertise, and the assessment's overall complexity.

Do schools and local authorities have to accept a private autism diagnosis?

No, they do not have to automatically accept it, but they are legally required to consider it as evidence for an EHCP needs assessment. For a private diagnosis to be accepted, it must be robust, follow NICE guidelines, and be conducted by a qualified multi-disciplinary team (MDT), not just a single clinician.

What's the difference between an ADOS-2 and a full autism assessment?

The ADOS-2 is a specific observational tool, often called a "play-based assessment," used to observe social communication and interaction. A full 'gold standard' autism assessment is a much broader process conducted by a multi-disciplinary team. It includes the ADOS-2, a detailed developmental history from parents (like the ADI-R), cognitive testing, and input from professionals such as a paediatrician and speech therapist to form a conclusive diagnosis.

Related guides

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:

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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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