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Private GP Access in Glasgow What It Costs




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TL;DR

As an FCA-authorised expert broker that has helped arrange over 900,000 policies, WeCovr understands the growing need for fast, reliable healthcare. This guide explores private GP access in Glasgow, explaining the costs and how private medical insurance can provide a valuable solution for UK residents seeking peace of mind. How much private GP appointments cost — and how PMI helps Navigating healthcare in Glasgow can feel like a challenge.

Key takeaways

  • Speed of Access: The number one driver is the ability to get a same-day or next-day appointment, avoiding weeks of worry and discomfort.
  • Longer Consultations: Standard NHS appointments are often limited to 10 minutes. Private GPs typically offer 20-30 minute slots, allowing for a more thorough discussion of your health concerns without feeling rushed.
  • Convenience and Flexibility: Many private clinics offer appointments outside of traditional 9-to-5 working hours, including evenings and weekends, as well as video and phone consultations.
  • Choice and Continuity: You can often choose your GP and see the same doctor for every visit, building a trusted relationship and ensuring continuity of care.
  • A Calmer Environment: Private clinics are typically less crowded and offer a more relaxed and personal experience.

As an FCA-authorised expert broker that has helped arrange over 900,000 policies, WeCovr understands the growing need for fast, reliable healthcare. This guide explores private GP access in Glasgow, explaining the costs and how private medical insurance can provide a valuable solution for UK residents seeking peace of mind.

How much private GP appointments cost — and how PMI helps

Navigating healthcare in Glasgow can feel like a challenge. While the NHS provides an essential service, many people face long waits for a simple GP appointment. This has led to a surge in interest for private GP services, but what does it actually cost, and is it worth it?

This article breaks down everything you need to know about private GP costs in Glasgow and explains how a Private Medical Insurance (PMI) policy can make this convenient care surprisingly affordable. We’ll explore pay-as-you-go prices, what’s included in a private consultation, and how the right health cover can grant you instant access to a doctor, often from the comfort of your own home.

Why Are Glaswegians Turning to Private GPs?

The strain on NHS services is a reality across the UK, and Scotland is no exception. According to the Royal College of General Practitioners (RCGP) Scotland, a significant number of patients wait more than a week for a GP appointment, with many finding it difficult to even get through on the phone.

This pressure creates a compelling case for private alternatives. For many in Glasgow, the decision to go private isn't about rejecting the NHS, but about gaining control, speed, and convenience for their non-emergency health concerns.

Key Reasons for Choosing a Private GP:

  • Speed of Access: The number one driver is the ability to get a same-day or next-day appointment, avoiding weeks of worry and discomfort.
  • Longer Consultations: Standard NHS appointments are often limited to 10 minutes. Private GPs typically offer 20-30 minute slots, allowing for a more thorough discussion of your health concerns without feeling rushed.
  • Convenience and Flexibility: Many private clinics offer appointments outside of traditional 9-to-5 working hours, including evenings and weekends, as well as video and phone consultations.
  • Choice and Continuity: You can often choose your GP and see the same doctor for every visit, building a trusted relationship and ensuring continuity of care.
  • A Calmer Environment: Private clinics are typically less crowded and offer a more relaxed and personal experience.

For a busy professional, a worried parent, or anyone who values their time and health, the benefits of bypassing the queue can be immense.

The Cost of a Private GP Appointment in Glasgow: A Breakdown

If you decide to pay for a private GP appointment directly (on a 'pay-as-you-go' basis), the costs can vary depending on the clinic, the type of consultation, and any additional services required.

Here’s a typical breakdown of what you can expect to pay in Glasgow in 2025.

Service TypeTypical Price Range (Glasgow)What's Usually Included
Standard In-Person Consultation (15-20 mins)£85 - £150A discussion of your symptoms, a basic physical examination, and health advice.
Extended In-Person Consultation (30-45 mins)£160 - £250For more complex issues, multiple concerns, or a detailed health review.
Virtual/Video Consultation (15 mins)£50 - £100A convenient option for simple issues, advice, or prescription renewals.
Private Prescription Issuing Fee£25 - £45This is the administrative fee for writing the prescription. The cost of the medication itself is separate.
Referral Letter to a Specialist£30 - £60A letter written to a consultant if you need further investigation or treatment.
Basic Blood Tests (e.g., full blood count)£100 - £250+The price varies significantly based on the specific tests ordered.
Home Visit£250 - £400+A premium service for those unable to travel to a clinic.

Important Note on Additional Costs:

It's crucial to remember that the initial consultation fee is just the starting point. If your private GP recommends further action, you will incur extra costs:

  1. Prescriptions: Unlike NHS prescriptions, which have a fixed (or free) cost in Scotland, private prescriptions require you to pay the full price of the medication at the pharmacy, plus the GP's issuing fee.
  2. Diagnostics: If you need a blood test, an X-ray, or an MRI scan, these are billed separately and can cost hundreds or even thousands of pounds.
  3. Specialist Fees: The referral letter gets you in the door, but the consultant's appointment fee is a separate, significant cost.

This is where private medical insurance becomes so valuable. It bridges the gap between the initial GP visit and the potentially high costs of specialist treatment.

How Private Medical Insurance (PMI) Covers GP Services

Private medical insurance is designed to cover the cost of treatment for acute conditions that arise after you take out a policy. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and return you to your previous state of health.

Crucially, standard private medical insurance in the UK does not cover pre-existing conditions or chronic conditions like diabetes, asthma, or high blood pressure that require ongoing management.

When it comes to GP access, PMI providers have evolved significantly. It’s no longer just about seeing a specialist. Most modern policies now include a digital GP service as a standard feature.

1. Digital GP Services (vGP): The New Standard

This is the most common and accessible form of private GP access offered by UK PMI providers.

  • What is it? A service, usually accessed via a smartphone app or website, that gives you 24/7 access to a qualified GP.
  • How does it work? You can book a video or phone consultation, often within hours, to discuss your symptoms.
  • What can they do? The vGP can provide medical advice, issue private prescriptions (which you pay for at the pharmacy), and, most importantly, provide an open referral to a specialist if needed.

This digital front door is incredibly powerful. It allows you to get a quick diagnosis and a referral without needing to wait for an NHS GP appointment, kickstarting your private treatment journey immediately.

2. Face-to-Face GP Cover

While digital GP services are now widespread, cover for in-person private GP appointments is less common as a standard benefit. It is often available as an optional add-on to a more comprehensive policy.

  • Is it worth it? This depends on your personal preference. If you value seeing a doctor in person for a physical examination or simply prefer face-to-face interaction, adding this cover might be a good choice. For many, the speed and convenience of a digital GP are more than sufficient for initial consultations.

An expert PMI broker like WeCovr can help you compare policies to see which ones include the level of GP access you need, ensuring you don't pay for features you won't use.

Comparing Top UK PMI Providers for GP Access

The private medical insurance UK market is competitive, and each provider has a slightly different approach to GP services. Understanding these differences is key to choosing the right plan.

ProviderTypical GP Access FeatureHow It WorksKey Benefit
BupaDigital GP (Babylon)App-based video/phone consultations available 24/7. Open referrals to specialists.Included as standard on most policies, providing a fast and efficient first step.
AXA HealthDoctor at Hand24/7 virtual GP service. Bookable appointments, often within a few hours. Open referrals provided.Highly rated app, seamless integration with their specialist network.
AvivaAviva Digital GPApp-based service provided by Square Health. 24/7 access with prescription and referral capability.A core benefit of their "Healthier Solutions" policy, easy to use.
VitalityVitality GPApp-based video consultations. Integrated with the Vitality wellness programme.Rewards for healthy living can reduce premiums. GP service is a key part of their ecosystem.

As you can see, a powerful digital GP service is now a cornerstone of modern private health cover. It acts as the gatekeeper to the rest of your policy's benefits.

Is Paying for a Private GP Worth It? A Cost-Benefit Analysis

Let's look at a real-world scenario to weigh the options.

Meet Eilidh: A 38-Year-Old Project Manager in Glasgow

Eilidh develops a persistent and painful knee problem after a weekend hiking in the Trossachs.

  • Option 1: The NHS Route

    1. Eilidh struggles to get a GP appointment, finally securing one 10 days later.
    2. The NHS GP suspects a ligament issue and refers her to physiotherapy. The waiting list is 8 weeks.
    3. After 8 weeks, physiotherapy helps a little, but the pain continues. She is then referred to an orthopaedic specialist, with a waiting list of over 6 months for a consultation.
    4. All told, it could be nearly a year before she gets a definitive diagnosis and treatment plan, all while living in pain.

  • Option 2: The Pay-As-You-Go Private Route

    1. Eilidh pays £120 for a next-day private GP appointment.
    2. The GP suspects a meniscal tear and writes a referral letter to a specialist (£40 fee).
    3. The specialist consultation costs £250.
    4. The specialist recommends an MRI scan, which costs £500.
    5. The scan confirms a tear requiring keyhole surgery (arthroscopy), which costs around £4,000.
    6. Total Cost: Over £4,910. Fast, but very expensive.

  • Option 3: The Private Medical Insurance Route

    1. Eilidh has a PMI policy costing her £55 per month, with a £250 excess.
    2. She uses the included 24/7 digital GP app and gets a video consultation the same day, at no extra cost.
    3. The vGP provides an open referral to an orthopaedic specialist.
    4. Her PMI provider offers a choice of three approved specialists. She books an appointment for the following week.
    5. The specialist consultation, MRI scan, and subsequent surgery are all approved and covered by her insurance.
    6. Total Cost: Her £250 excess. She is back on her feet within a month.

For Eilidh, the PMI policy provided the speed of the private route for a fraction of the cost, demonstrating the incredible value of having cover in place before you need it.

Beyond GP Access: The Broader Benefits of Private Health Cover

While quick GP access is a fantastic benefit, it’s just the tip of the iceberg. A good PMI policy offers a comprehensive package of support for your health and wellbeing.

  • Prompt Specialist Treatment: Bypass long NHS waiting lists for consultations, diagnosis, and treatment.
  • Choice of Care: Choose your specialist and the hospital where you receive treatment from a nationwide network.
  • Comfort and Privacy: Recover in a private room with an en-suite bathroom, more flexible visiting hours, and better food.
  • Access to Advanced Treatments: Some policies cover new drugs or therapies that may not yet be available on the NHS due to cost or other restrictions.
  • Comprehensive Mental Health Support: Many plans now include extensive cover for mental health, from counselling to psychiatric care, recognising that mental health is as important as physical health.

When you arrange a policy through WeCovr, you also get complimentary access to our partner AI-powered nutrition app, CalorieHero, to help you manage your diet and wellness. Furthermore, clients who purchase PMI or Life Insurance often receive discounts on other types of cover, such as home or travel insurance.

How WeCovr Can Help You Find the Right Cover in Glasgow

Choosing the right private medical insurance can feel complex. With different providers, cover levels, and underwriting options, it's easy to feel overwhelmed. That's where we come in.

WeCovr is an independent, FCA-authorised insurance broker. Our service is provided at no cost to you. We are not tied to any single insurer; our loyalty is to you, the client.

Our team of experts, with their high customer satisfaction ratings, will:

  1. Listen to your needs: We take the time to understand your priorities, whether it's comprehensive GP access, mental health support, or a specific hospital network in Glasgow.
  2. Compare the market: We analyse policies from all leading UK providers to find the best fit for your requirements and budget.
  3. Explain the details: We cut through the jargon and explain everything in plain English, ensuring you understand exactly what you are covered for.
  4. Help you set up your policy: We handle the paperwork and make the entire process smooth and straightforward.

Let us do the heavy lifting, saving you time and money while giving you the peace of mind that comes with knowing your health is protected.

Does private health insurance cover pre-existing conditions?

Generally, no. Standard private medical insurance in the UK is designed to cover acute conditions that arise after your policy begins. It does not cover pre-existing conditions (illnesses or injuries you already had) or chronic conditions (long-term illnesses like diabetes or asthma that require ongoing management). It is vital to declare your medical history accurately when applying.

Can I use a private GP and still use the NHS?

Absolutely. Using private healthcare, whether through insurance or paying directly, does not affect your right to use the NHS. Many people use a combination of both. For example, you might use a private GP for speed and convenience but rely on the NHS for managing a long-term condition or for accident and emergency services. The two systems can work alongside each other.

Is a virtual GP as good as a face-to-face appointment?

For many common health concerns, a virtual GP (vGP) consultation is highly effective. It is excellent for discussing symptoms, getting medical advice, renewing prescriptions, and obtaining a referral to a specialist. However, for conditions that require a physical examination, such as checking a lump, listening to your chest, or examining an injury, a face-to-face appointment is necessary. Most PMI policies with vGP services will guide you to seek in-person care if the doctor deems it necessary.

Do I need a GP referral to use my private medical insurance?

Yes, in almost all cases you will need a referral from a GP before you can see a specialist under your PMI policy. This is a crucial step in the process. The great advantage of modern PMI policies is that this referral can often be obtained quickly and easily through the included digital GP service, saving you from having to wait for an NHS GP appointment.

Ready to explore your options for fast, affordable healthcare in Glasgow? Get a free, no-obligation quote from WeCovr today and let our experts find the perfect private medical insurance policy for you.

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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 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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Any questions?

Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

Health insurance covers conditions that develop after your policy starts. Pre-existing conditions are typically not covered, and insurers may exclude related issues. Some policies may cover symptoms of pre-existing conditions under specific circumstances. Always review your policy's exclusions. Coverage for pre-existing medical conditions may be available if you currently hold a medical insurance policy or are transitioning from a company scheme. However, if you have never had medical insurance before or if your policy is not active at the moment, pre-existing conditions will not be covered. This limitation exists because health insurance is primarily intended to protect against unexpected health issues. To simplify, it's akin to getting into a car accident and then trying to obtain insurance coverage afterward to repair the vehicle — insurance companies typically do not cover such claims. Nevertheless, there is an option to gain coverage for pre-existing conditions after a two-year waiting period, subject to specific rules and conditions.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Sometimes treatments and drugs that are not covered by the NHS can be covered by Private Medical Insurance.

It's free to use WeCovr to find health insurance - we never charge you for quotes. Health or private medical insurance is an investment that can pay for itself the first time you might need medical treatment.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you would benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our revenue comes from commissions paid by the insurance providers when a policy is taken out through us. Essentially, when you choose to secure a policy from one of the providers we work with, they compensate us for facilitating the transaction. It's important to note that this commission does not impact the premium you pay. We remain committed to providing transparent and unbiased quotes to help you find the best insurance options tailored to your needs.

The cost of private health insurance depends on several factors, including your age, location, smoking status, and the type of policy you choose. Your health insurance policy is tailored to your needs, and the cost can vary based on the level of cover you require, such as the amount of excess and specific treatment allowances.

Private health insurance covers you for conditions that arise after your policy begins. You pay a monthly fee and can make claims for private healthcare covered by your policy. One of the main benefits of private healthcare is quicker access to treatment compared to the NHS, along with access to new drugs or specialist treatments.

Most health insurance covers private hospital stays and may include outpatient treatments like scans, tests, or appointments. Policies vary in coverage, and exclusions often include emergency treatment, maternity care, cosmetic surgery, and ongoing conditions present before the policy started.

Unfortunately, you cannot pay extra to have a pre-existing condition covered as part of your health insurance policy. However, you have access to support from a nurse or digital GP. If you have questions about what is covered under your policy, please contact us for clarification.

Your health insurance policy begins once you've selected your policy and set up your payment. After setup, you'll receive your cover documents detailing what is and isn't covered. It's important to review these details carefully as policies differ.

An excess is the amount you contribute towards treatment when you make a claim. Choosing a higher excess can reduce your policy's monthly cost but requires a larger contribution when claiming. WeCovr's experts will offer you flexible excess options depending on your preferences.

To reduce health insurance costs, consider choosing a higher excess, which lowers the monthly premium. However, ensure the plan still meets your needs. Other factors affecting cost include lifestyle choices like smoking and potential savings for couples or family plans.

There is no age limit for taking out health insurance, but age influences the policy's cost. The benefits of health insurance are consistent regardless of age. If you're considering health insurance, you can get a quote from WeCovr's experts regardless of your age.

Let WeCovr's experts do the legwork for you and compare health insurance plans at no cost to you to find the best fit for your needs. Consider individual, couple, or family plans and review coverage details thoroughly before choosing. WeCovr provides transparent information on coverage options for easy comparison.

Yes, you can add your partner (if you live at the same address) or dependents to your policy at any time. The cost of couple's or family health insurance depends on factors like location, age, health, and chosen excess. Contact WeCovr or your insurer for assistance in adding someone to your policy.

While WeCovr's private health insurance plans are tailored for the UK, we offer global health insurance options for those living or working abroad. For holiday coverage, travel insurance is recommended.

Comprehensive cover provides extensive benefits, including full outpatient services such as consultations, diagnostic tests, physiotherapy, and mental health therapies. Our team at WeCovr can assist in understanding the various coverage levels available.

Private health insurance typically does not cover dental treatment. However, WeCovr's experts can guide you to dental insurance policies offered by our partner insurers. Reach out to us to explore these options.

Yes, private health insurance covers cancer treatment from diagnosis through treatment. At WeCovr, we can help you navigate the cancer cover options that suit your needs.

At WeCovr, you have flexibility in adjusting your cover. Speak to our experts within 21 days of receiving your paperwork or at policy renewal to make changes.

Accessing a private GP appointment is fast and convenient with WeCovr's services, available through your digital platform provided under your chosen insurance plan.

Yes, family members on the same policy can potentially have different levels of cover tailored to their individual needs.

WeCovr works with insurers offering a range of cover levels to accommodate different budgets and needs. Our experts can discuss these options with you.

Discovering healthcare facilities and specialists is easy with WeCovr's resources. Contact us for personalised assistance by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Fee-assured consultants provides transparency and no hidden costs for clients.

WeCovr prioritises mental health support with comprehensive coverage and access to specialist advice and services.

Children up to a certain age can be included in your policy, and we offer discounts for family coverage.

Like most health insurance plans, premiums may increase annually due to factors such as age and medical cost inflation.

The cost of health insurance varies based on several factors. Connect with our experts by tapping a button below and get your own personalised quote.

Private health insurance offers quicker access to consultations, treatments, and personalised care compared to the NHS.

Yes, WeCovr's experts can guide you which health insurance plans include coverage for physiotherapy treatments.

Immediate access to certain services like our digital GP app is available upon enrolment.

You can obtain a range of suitable quotes easily by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Health insurance covers new conditions that arise after the policy starts. Pre-existing conditions and certain exclusions may apply.

WeCovr's experts help you arrange health insurance that simplifies access to private healthcare services, including consultations and treatments.

Outpatient cover includes consultations, physiotherapy, and mental health therapies outside hospital admissions.

Yes, you can use your health insurance cover immediately. You have access to a nurse through your helpline and can consult with a GP using the digital GP app. If you need to make a claim right away, we may require a medical report from your GP. Health insurance is designed to cover new conditions that arise after the policy has started.

No, health insurance does not cover A&E (Accident and Emergency) visits. Private hospitals do not typically have the facilities for handling A&E cases. In case of an emergency, please dial 999 or use the NHS emergency services. However, if you require follow-up treatment after an emergency situation, your private medical insurance may be able to assist.

Yes, many insurers offer rewards in leisure, wellbeing, and health. Speak to WeCovr's experts or visit your insurer's website for more details on member rewards.

You may continue your cover or get another own personal policy. If you continue your cover, existing or ongoing medical conditions might be covered depending on the level of cover you choose. Contact our friendly experts to discuss your options and find the right option for you.

You can tap one of the buttons above or below and fill in a quick form to arrange a call with us to discuss your options.

Your cover may be similar but not identical. We will help you find the right level of cover that suits your needs, and ongoing medical conditions may be covered. Contact our friendly advisers to explore all available options.

No, the price won't be the same as before since employers often contribute to the cost of employee cover. Additionally, different cover levels and medical histories may affect the price. Contact WeCovr's experts for detailed information.

You have a few weeks or months from leaving your job to decide to continue with your insurer or change to another one. Your policy may start the day after you left your work policy, and our experts can guide you through other available options.

After leaving your job, contact WeCovr's experts with your leave date to discuss available options.

Yes, ongoing treatment may be covered on your new personal policy, although it could affect the price. Contact our experts for personalised advice on your options.

Details on paying excess fees will be provided when you contact your insurer for treatment authorisation.

No, there is no excess fee for utilising these services.

Excess adjustments can be made at specific intervals during your policy term.

No claims discounts can impact renewal costs based on claims history.

Pre-existing conditions typically aren't covered but can be discussed with our healthcare specialists.

This involves health-related questions before policy enrolment to determine coverage.

Moratorium underwriting simplifies enrolment but may require health disclosures during claims.

Claims may require additional information if under moratorium underwriting.

Pre-existing conditions refer to medical issues existing before policy inception. A pre-existing condition is anything you've previously had medical treatment for, such as diabetes, heart disease, or asthma. Most insurance providers consider any condition you've had symptoms or treatment for in the past five years as pre-existing. Our experts at WeCovr can help you understand how pre-existing conditions affect your policy options.

While some insurance providers automatically renew your private healthcare cover, it's beneficial to compare policies when yours is about to end. This ensures you're still getting the best deal for the coverage you need. Our experts at WeCovr can assist you in finding the right policy for you.

Typically, you must be over 18 to take out your own policy, but minors can usually be included in a family policy. There may also be an upper age limit for private health insurance, and premiums typically increase with age. Our experts at WeCovr can provide guidance on age-related policy aspects.

Paying for health insurance annually often results in savings compared to monthly payments. However, this depends on your insurance provider. For help determining the most cost-effective option, consider consulting our experts at WeCovr.

If your employer offers private health insurance as part of your benefits package, you likely don't need additional cover. However, there may be limits on the cover you receive, and it may not extend to your entire family. Remember, any insurance you get through work only covers you while you're employed there.

If you don't have pre-existing conditions, a medical exam is usually not required. You'll just need to complete a medical history form and select your level of cover. However, if you're older, have a pre-existing condition, or lead an unhealthy lifestyle, a medical exam may be necessary. Our experts at WeCovr can clarify the requirements of different policies.

Many private health insurance providers now offer GP services, either digitally or face-to-face. This means you can often get a private GP appointment quickly, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer GP services.

With private health insurance, you can often secure a GP appointment much quicker than with traditional methods, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer quick GP appointment services.

Inpatient care refers to any treatment requiring a stay in a hospital or clinic for at least one night. Outpatient care refers to treatments or tests that don't require hospital admission, such as minor diagnostic tests or physiotherapy sessions. Our experts at WeCovr can help you understand the different types of care and find a policy that suits your needs.

Private health insurance covers your medical treatment if you fall ill, while critical illness cover provides additional financial help if you develop one of the critical illnesses listed in the policy, such as covering loss of income if you're unable to work. For assistance in understanding the differences and finding the right coverage, consult our experts at WeCovr.

Health insurance policies are designed for cover in the UK. For cover abroad, consider travel insurance for short trips or international health insurance for longer stays or if you have a holiday home overseas. Our experts at WeCovr can guide you in finding the appropriate coverage for your travel needs.

If your employer provides health insurance, it's considered a 'benefit in kind' and is not tax deductible. Your employer should calculate the tax you owe for your health insurance premiums and deduct it from your pay. There are some exceptions for small companies. For more information on tax implications, consider reaching out to our experts at WeCovr.

When you purchase a policy, you choose how much excess you pay, which is your contribution to the cost of treatment if you make a claim. The higher your excess, the lower your premium is likely to be. Our experts at WeCovr can help you understand how excess works and choose the right level for you.

These are two methods of underwriting a health insurance policy, relating to how insurance providers consider your pre-existing medical conditions when you take out cover. For help understanding the differences and choosing the right option for you, consult our experts at WeCovr.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Every year you don't make a claim gives you an extra year of no-claims discount, potentially reducing your premium when you renew. Our experts at WeCovr can help you find policies that offer no-claims discounts.

To find the best health insurance for you, compare various policies to find one that offers the features you need at a price you can afford. Consider your personal circumstances and what you want from your policy. Our experts at WeCovr can assist you in evaluating your options and selecting the right coverage for you.

If you need treatment, a GP referral is not always necessary. However, this depends on how you plan to pay for your treatment. Most hospitals will allow you to book appointments with a consultant without a GP referral if you are paying out-of-pocket. If you have private medical insurance, you'll need to check the terms of your policy to see whether your insurer requires you to consult with a GP first (most insurers do). Some policies offer a direct booking system without a referral for certain conditions, such as counseling for mental health issues.

Yes, you can obtain financing for a loan to cover the cost of surgery. Many private healthcare companies have partnerships with finance companies to allow you to spread the cost of private treatment over time. You could also explore getting an ordinary loan from your bank if this option proves to be more cost-effective for you.

WeCovr has conducted extensive research into the cost of private health insurance in the UK. Click the link to find out more detailed information.

Yes, you can continue to receive treatment through the NHS even if you have private health insurance and have received private treatment in the past. This could be for rehabilitation after private surgery or for treatment that is not covered by your health insurance policy. For example, some cosmetic surgeries may be available through the NHS but are generally not covered by private medical insurance.

This is a difficult question to answer definitively. There are certain services that cannot be obtained privately, such as emergency treatment at an Accident and Emergency (A&E) department. Many NHS consultants also practice privately, so you could potentially see the same consultant regardless of whether you choose private or public healthcare. However, private healthcare typically offers shorter waiting times, guaranteed private rooms, and more relaxed visiting hours. Additionally, you may have access to treatments and drugs that are not routinely available through the NHS.

Yes, you can self-refer to a private specialist without the need for a GP referral. However, the British Medical Association believes that in most cases, it is best practice to start with your GP, as they are familiar with your medical history.

Yes, if you have a health concern and pay for private tests and scans but cannot afford to have private surgery, you should be able to have your test results transferred to an NHS provider for treatment.

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