Private Health Insurance Calculator

Private Health Insurance Calculator 2024

The Definitive Guide to Private Health Insurance Costs

Unveiling the Mysteries of Private Health Cover

At WeCovr, we understand that navigating the world of private health insurance can be a daunting task. With countless policies and providers to choose from, it's easy to feel overwhelmed, especially when it comes to determining the cost. However, our team of dedicated experts is here to guide you through the intricate details, ensuring you find a plan that perfectly aligns with your needs and budget.

Factors Influencing the Cost

The cost of private health insurance is influenced by a variety of factors, including your age, medical history, location, and the level of coverage you desire. Contrary to popular belief, comprehensive coverage doesn't have to break the bank. At WeCovr, we understand that every individual's circumstances are unique, which is why we work closely with you to tailor a plan that meets your specific requirements.

Your Age and Health Status

As we age, the health risks we face tend to increase, which can impact the cost of your private health insurance premiums. Similarly, pre-existing medical conditions may also play a role in determining your coverage options and associated costs. At WeCovr, we'll carefully evaluate your current health status and provide transparent guidance on how it might affect your plan and premiums.

The Impact of Age

It's an inevitable fact that as we grow older, our risk of developing certain health conditions increases. This higher risk translates into higher premiums for older individuals. For example, a 55-year-old non-smoker Londoner may pay around £81.64 per month for a basic policy, while a 45-year-old non-smoker would pay £71.75 for the same level of cover (AXA Health).
AgeMonthly Premium
35 (AXA Health)£55.87
45 (AXA Health)£71.75
55 (AXA Health)£81.64

Smokers May Face Higher Health Insurance Premiums

Certain insurance providers may impose additional charges on smokers for Private Health Insurance, whilst some opt not to differentiate. This added expense is attributed to the numerous health risks linked to smoking. For example, a 45-year-old non-smoker may save 5% off the cost that a 45-year-old smoker would have to pay, all other characteristics being equal.
Insurance ProviderSmoking StatusMonthly PremiumPercentage Increase
BupaNon-Smoker£96.34-
BupaSmoker£101.15~5%
  • Could I Qualify for Lower Premiums if I Quit Smoking?
Indeed, you could. Provided you can demonstrate abstinence from nicotine for the past 12 months, the majority of insurers will categorise you as a 'non-smoker', thereby reducing your premiums.
  • Does Vaping Affect the Cost of Private Health Insurance?
It's crucial to recognise that insurers do not limit their definition of smokers to just cigarette users. The term 'smoker' encompasses anyone utilising nicotine-based products, including but not limited to vapes and patches. If nicotine consumption is detected in any form, your premiums may escalate, even in the case of vaping.

Pre-Existing Conditions

If you have a pre-existing medical condition, it's important to understand how it might affect your coverage options and costs. In most cases, insurers will either exclude the condition from coverage or offer you the option of moratorium underwriting. With moratorium underwriting, your pre-existing condition may be covered if you've experienced no symptoms or treatment for a set period, typically five years. However, it's worth noting that moratorium underwriting can be more expensive than full medical underwriting.

Location and Hospital Choice

Your geographical location can influence the cost of your private health insurance. For instance, premiums for plans that provide access to prestigious hospitals in major cities like London tend to be higher than those in more rural areas. At WeCovr, we'll help you navigate these nuances, ensuring you have access to the facilities you need while keeping costs in check.

The London Premium

If you're based in the London area, you can expect to pay more for your private health insurance than individuals residing in other parts of the country. This is because the cost of medical treatment and facilities in the capital is generally higher than in other regions. However, the extent of this premium can vary between insurers, which is why it's crucial to compare quotes from multiple providers.
LocationMonthly Premium
London (AXA Health)£71.75
Derby (AXA Health)£55.75

Hospital Lists and Tiers

Many insurers offer different tiers of hospitals within their network, with varying levels of coverage and associated costs. If you opt for a restricted hospital list, excluding some of the more prestigious facilities, you may be able to reduce your monthly premiums. However, it's essential to carefully consider the hospitals in your area and ensure you're comfortable with the limited options before making this choice.
Hospital ListMonthly Premium
Restricted (Aviva)£71.10
Extended (Aviva)£105.53

Impact of Excess on Monthly Premiums

The excess is the amount you agree to pay towards a claim when you take out an insurance policy. By opting for a higher excess, you can lower your monthly premiums. However, it's important to remember that you'll need to pay the excess upfront before you can claim for the remaining cost of your treatment. If the cost of your treatment is less than the excess, you'll be responsible for the full amount.
The table below illustrates how the monthly premium for a basic health insurance policy can vary depending on the excess amount (The Exeter).
ExcessMonthly Premium
£100£67.04
£500£57.50
£3,000£36.97

Changing Level Of Outpatient Cover

Basic health insurance policies typically only cover inpatient treatment. More comprehensive policies may offer outpatient coverage, either in full or up to a specified limit, such as £500, £1,000, or £1,500. The more outpatient coverage you add to your policy, the more expensive it will become.
If you choose a policy without any outpatient coverage, you may face delays in your care due to NHS outpatient waiting lists.
The table below shows how the monthly premium for a health insurance policy can vary depending on the level of outpatient coverage (Aviva)
Level of Outpatient CoverMonthly Premium
None£62.07
£500£72.65
£1,000£88.31
Full Outpatient Cover£97.31

Understanding Policy Levels

Private health insurance policies typically fall into three categories: basic, mid-range, and comprehensive. Each level offers varying degrees of coverage and associated costs.

Basic Plans

Basic plans cover inpatient treatment, which includes any treatment that requires an overnight stay or day surgery. Most insurers also include full cancer cover with their basic policies, ensuring you're protected in the event of a cancer diagnosis. However, it's important to note that basic plans typically do not cover outpatient treatment, which can be a significant limitation.

What's Covered in a Basic Plan?

A basic private health insurance plan will typically cover the following:
  • Inpatient treatment (overnight stays and day surgeries)
  • Full cancer cover
  • Access to private hospitals and facilities
  • Private rooms and flexible visiting hours

Limitations of Basic Plans

While basic plans can provide peace of mind for inpatient treatment and cancer care, they often lack coverage for outpatient services such as consultations, diagnostic tests, and therapies. This means you may still face lengthy NHS waiting lists for these services, potentially delaying your diagnosis and treatment.

Mid-Range Plans

Mid-range policies offer additional outpatient cover, typically ranging from £500 to £1,500 per year. This level of coverage allows you to access tests, consultations, and treatments that don't require an overnight stay or day surgery.

Outpatient Cover in Mid-Range Plans

With a mid-range plan, you can expect the following outpatient benefits:
  • Consultations with specialists and consultants
  • Diagnostic tests (e.g., X-rays, MRI scans, blood tests)
  • Outpatient therapies (e.g., physiotherapy, radiotherapy)
  • Annual monetary limit for outpatient services (e.g., £1,000)

Balancing Cost and Coverage

Mid-range plans offer a balance between cost and coverage, providing access to outpatient services while still being more affordable than comprehensive plans. By choosing the appropriate level of outpatient cover (e.g., £500, £1,000, or £1,500), you can tailor your policy to fit your budget and anticipated healthcare needs.

Comprehensive Plans

Comprehensive plans, as the name suggests, provide the highest level of coverage, including access to private hospitals, specialists, and the latest treatments. These plans often include full outpatient cover, ensuring you receive prompt diagnoses and treatments without the worry of lengthy NHS waiting lists.

What's Included in Comprehensive Plans?

A comprehensive private health insurance plan typically offers the following benefits:
  • Inpatient treatment (overnight stays and day surgeries)
  • Full cancer cover
  • Unlimited outpatient cover (consultations, tests, therapies)
  • Access to the latest drugs and treatments
  • Choice of private hospitals and specialists
  • Private rooms and flexible visiting hours

The Cost of Comprehensive Coverage

While comprehensive plans offer the highest level of coverage, they also come with a higher price tag. However, for those who value the peace of mind and convenience of having unrestricted access to private healthcare, the additional cost may be well worth it.

Tailoring Your Policy to Suit Your Needs

At WeCovr, we understand that every individual has distinct needs and preferences. That's why we offer a wide range of tailored solutions, ensuring you receive the coverage you need without paying for unnecessary extras.

Dental and Optical Cover

Many health insurance providers offer the option to add dental and optical cover to your policy. These bolt-on features typically work as a separate health cash plan, providing a set level of cover for routine dental and optical treatments. At WeCovr, we'll help you navigate the various options and determine if this additional coverage is right for you.

How Does Dental and Optical Cover Work?

Dental and optical cover typically operates on a claims-based system. You'll receive a set annual limit for dental and optical treatments, such as check-ups, fillings, or new glasses. After receiving treatment, you can submit a claim to your insurer for reimbursement up to your annual limit.

Choosing the Right Level of Cover

When it comes to dental and optical cover, insurers offer different levels of coverage, ranging from basic cash-back options to comprehensive plans. At WeCovr, we'll help you assess your needs and choose the appropriate level of cover, considering factors such as your family size, frequency of dental and optical treatment, and budget.

Mental Health and Psychiatric Care

Mental health is an integral part of overall well-being, and at WeCovr, we understand its importance. Many private medical insurance policies don't include mental health cover as standard, but we can help you add full or partial cover for private mental health treatment, inpatient psychiatric care, or outpatient therapies.

Inpatient Psychiatric Treatment

Inpatient psychiatric treatment refers to overnight stays in a private mental health facility or hospital for conditions such as depression, anxiety, or addiction. By adding this cover to your policy, you can access specialised care and support during times of acute mental health challenges.

Outpatient Mental Healthcare and Therapies

Outpatient mental healthcare covers treatments and therapies that don't require an overnight stay, such as counseling, cognitive behavioral therapy (CBT), or psychotherapy sessions. This level of cover can be invaluable for managing ongoing mental health conditions or addressing specific issues in a timely manner.

Alternative Therapies

For those seeking a more holistic approach to healthcare, we offer the option to include alternative therapies in your policy. This additional cover can provide access to treatments such as physiotherapy, acupuncture, osteopathy, and homeopathy, among others.

The Benefits of Alternative Therapies

Alternative therapies can offer a range of benefits, including:
  • Complementing traditional medical treatments
  • Promoting natural healing and well-being
  • Managing chronic pain and conditions
  • Improving overall quality of life

Customising Your Alternative Therapy Cover

At WeCovr, we understand that everyone's healthcare needs are unique. That's why we'll work closely with you to determine which alternative therapies are most relevant and tailor your policy accordingly. This personalised approach ensures you receive the coverage you need without paying for unnecessary extras.

Calculation Examples: Finding the Right Coverage for You

To help you better understand the variety of cost implications of different policy choices, we've provided some hypothetical calculation examples. These examples illustrate how factors like age, location, and coverage levels can impact the monthly premiums for private health insurance.

Example 1: A Single Professional in Manchester

Let's consider the case of a 35-year-old non-smoking professional living in Manchester. Here's how their monthly premiums might vary based on different coverage levels:
Coverage LevelMonthly Premium
Basic Plan£37.50
Mid-Range Plan (£1,000 Outpatient Cover)£58.53
Comprehensive Plan (Full Outpatient Cover)£78.28
In this example, the basic plan offers inpatient treatment and cancer cover for £37.50 per month. Adding £1,000 of outpatient cover through a mid-range plan increases the monthly premium to £58.53. For comprehensive coverage, including unlimited outpatient treatment, the monthly cost rises to £78.28.

Example 2: A Family of Four in London

Now, let's consider a family of four (two adults aged 40 and 38, and two children aged 8 and 5) residing in London. Here's how their monthly premiums might look across different coverage levels:
Coverage LevelMonthly Premium
Basic Plan£118.00
Mid-Range Plan (£1,500 Outpatient Cover)£192.50
Comprehensive Plan (Full Outpatient Cover)£245.00
Due to the higher costs associated with London-based medical facilities, the premiums for this family are higher than in the previous example. The basic plan costs £118.00 per month, while the mid-range plan with £1,500 outpatient cover comes in at £192.50 per month. For comprehensive coverage, the family would pay £245.00 per month.

Example 3: A Retiree Couple in Brighton

Let's explore the case of a retired couple, aged 65 and 62, living in Brighton. Their monthly premiums might look like this:
Coverage LevelMonthly Premium
Basic Plan£92.00
Mid-Range Plan (£1,000 Outpatient Cover)£132.50
Comprehensive Plan (Full Outpatient Cover)£175.00
As this couple is older, their premiums are higher than those for younger individuals. The basic plan costs £92.00 per month, while the mid-range plan with £1,000 outpatient cover comes in at £132.50 per month. For comprehensive coverage, the couple would pay £175.00 per month.

Example 4: A Single Parent with a Child in Birmingham

Finally, let's consider a single parent aged 45 with a child aged 10, living in Birmingham. Their monthly premiums might look like this:
Coverage LevelMonthly Premium
Basic Plan£58.00
Mid-Range Plan (£1,000 Outpatient Cover)£86.50
Comprehensive Plan (Full Outpatient Cover)£112.00

Additional Cost-Saving Strategies

While the level of coverage you choose is a significant factor in determining the cost of your private health insurance, there are several strategies you can employ to potentially reduce your premiums further.

Increase Your Excess

Many insurance providers offer the option to increase your excess, which is the amount you pay out-of-pocket before your coverage kicks in. By opting for a higher excess, you can lower your monthly premiums. However, it's important to choose an excess amount that you can comfortably afford in case you need to make a claim.

Restrict Your Hospital List

As mentioned earlier, some insurers offer different tiers of hospitals within their network. By opting for a restricted hospital list that excludes some of the more prestigious facilities, you can reduce your monthly premiums. However, it's crucial to carefully consider the hospitals in your area and ensure you're comfortable with the limited options.

Opt for a Six-Week Wait Option

Some insurance providers offer a six-week wait option, which means that if the treatment you need is available on the NHS with a wait time of less than six weeks, you'll use the NHS for your treatment instead of your private health insurance. This option can significantly reduce your premiums, but it's important to carefully consider the potential impact on your care and wait times.

Explore Salary Sacrifice Option

If you're seeking private health insurance through your organisation, speak to us to discuss if you may be able to take advantage of salary sacrifice savings. By paying for your premium through salary sacrifice before tax, you may be able to reduce the overall cost of your private health insurance.

The WeCovr Difference

At WeCovr, we pride ourselves on our personalised approach. Our team of in-house and partner experts takes the time to understand your unique circumstances, lifestyle, and healthcare requirements. We then scour the market, comparing policies from leading providers to find the perfect fit for you. Whether you're seeking cover for yourself, your family, or your employees, we'll ensure you receive the best value for your money.

Our Commitment to You

When you choose WeCovr, you can expect the following:
  • Personalised service from dedicated experts
  • Impartial advice and recommendations
  • Transparent pricing and policy comparisons
  • Ongoing support and guidance
  • Commitment to finding the best value for your money

Partnering with Leading Providers

At WeCovr, we have established partnerships with all the leading private health insurance providers in the UK, including Bupa, Aviva, AXA, The Exeter and Vitality, among others. This allows us to compare policies and prices across the market, ensuring you receive the most comprehensive and cost-effective solution for your needs.

Continuous Support and Guidance

Our relationship with you doesn't end once you've secured a policy. We understand that your circumstances may change over time, and we're here to support you every step of the way. Whether you need to adjust your coverage, make a claim, or explore new options, our team is always available to provide expert guidance and assistance.

Get In Touch Today

If you're ready to explore your private health insurance options or have any questions, our team is just a phone call or email away. Contact us today by tapping one of the buttons on this page, and let us guide you through the process, ensuring you receive the best possible coverage at a price that suits your budget.
At WeCovr, we believe in empowering our clients with knowledge and transparency. Our goal is to demystify the world of private health insurance, helping you make informed decisions that provide you and your loved ones with the peace of mind you deserve.

Why get private health insurance?

Health insurance allows you get back on your feet quicker:


✅ Avoid long NHS waiting lists of many weeks and get treated faster with private medical insurance, which can be really important for a successful recovery
✅ Get early diagnosis so you can get the treatment you need right away done privately
✅ Business owners can save on their tax bill with private medical insurance
✅ You are free to choose your surgeon or hospital to suit your needs by place and time
✅ You often get a private room with better facilities for your treatment or surgery
✅ With private medical health insurance you gain access to advanced treatments not available on the NHS

Benefits offered by private health insurance

Private medical health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You just pay an affordable monthly premium that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

Our mission is to put you in touch with not only the best, but the most suitable private medical health insurance companies. With even more risk on the rise for personal health today, it makes more sense than ever to have private medical health insurance cover.

👍 Many people are very thankful that they had their private medical health insurance cover in place before running into some serious health issues. Private medical health insurance is as important as life insurance for protecting your family's finances.

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 increasing numbers of individuals and families opt for PMI insurance

👉 We insure our cars, houses, bicycles and even bags! Yet our health is one the most precious things we have.

People buy life, critical illness and private medical health insurance for a variety of reasons – easily one of the most important insurance purchases an individual or family can make in their lifetime. PMI insurance is still seen as a luxury in the UK. Indeed, only around 11% of the population has private medical insurance. However, an increasing number of people are taking out private medical insurance due to a number of reasons:
  • Avoid NHS waiting lists and be treated more quickly
  • Faster diagnosis (comprehensive cover)
  • More access to latest cancer drugs and treatments, some of which may be unavailable on the NHS
  • Greater choice over where and when your treatment takes place
  • Have a private room should you need treatment in hospital
Our experienced FCA-authorised insurance partner experts are ready to provide you with a FREE Consultation.

👍 Simply get your affordable private medical health insurance plan in place for the necessary peace of mind! Just tap or click the button below to book a FREE call now! 👇

Compare private medical health insurance plans suitable for your circumstances from these insurers and more

PMI Insurers

It's as easy as 1, 2, 3!

1. Complete a brief form

2. Our experts will find and discuss your quotes

3. Enjoy your protection!

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Any questions?

Do I need Private Medical Insurance if I have Life Insurance?

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.

Are Pre-existing Medical Conditions Covered?

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.

Why Do I Need Private Medical Insurance?

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.

How Much Does It Really Cost?

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.

Isn't NHS Treatment and Coverage Enough?

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.

Why Do I Need to Speak to Someone?

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.

Are Your Insurance Partners Trustworthy?

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!

How Do You Make Money If the Quotes Are Free to Get?

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.

How Much Is Private Health Insurance?

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.

How Does Private Health Insurance Work?

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.

What Does Health Insurance Cover?

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.

Can I Pay Extra to Have a Pre-existing Condition Covered?

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.

When Will My Health Insurance Policy Start?

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.

Will I Need an Excess on My Private Health Insurance Policy?

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.

How Can I Reduce the Cost of Health Insurance?

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.

Is There an Age Limit for Private Medical Insurance?

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.

How Can I Compare Health Insurance Plans?

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.

Can I Add Other People Onto My Health Insurance Policy?

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.

Can I Use Health Insurance Abroad?

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.

What is Comprehensive Cover?

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.

Does Health Insurance Cover Dental Treatment?

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.

Does Health Insurance Cover Cancer?

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.

Can I Change My Cover Once I Have Signed Up?

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.

How Quickly Can I Get an Appointment with a Private GP?

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

Can Each Person on My Policy Have Different Options of Cover?

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

Are There Different Levels of Cover?

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

Where Can I Find Out More About Hospitals or Treatment Providers?

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.

What Does Fee Assured Mean?

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

Does Health Insurance Cover Mental Health?

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

Can I Cover My Children as Well?

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

Will the Cost Go Up Every Year?

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

How Much Does Health Insurance Cost?

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.

What's the Difference Between Health Insurance and NHS?

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

Does Health Insurance Cover Physiotherapy?

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

Can I Use My Cover Straight Away?

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

How Can I Get a Quote?

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.

What Does Health Insurance Cover and What Can't It Cover?

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

How Does Health Insurance Work?

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

What is Outpatient Cover?

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

Can I Use My Health Insurance Cover Immediately?

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.

Does Health Insurance Cover A&E (Accident and Emergency)?

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.

Are There Any Rewards for Being a PMI Plan Holder?

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.

I'm Leaving My Job and Have Health Insurance with Them, What Do I Do?

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.

How Do I Get a Quote After I've Left My Job?

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.

If I Continue My Health Insurance After I've Left My Job, Will My New Cover Be the Same as Before?

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.

If I Continue My Health Insurance After I Left My Job, Will the Price for My New Cover Be the Same?

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.

How Long Do I Have After Leaving My Job to Decide to Stay with My Insurer?

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.

What Do I Need Before Asking About Continuing My Cover After I've Left My Job?

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

I've Ongoing Treatment But I'm Leaving My Work Health Insurance Policy, Can I Still Have Treatment?

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.

When And How Do I Pay My Excess?

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

Do I Pay an Excess for Using Services Like Digital GP?

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

Can I Change My Excess Partway Through the Year?

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

What is a No Claims Discount?

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

Can I Pay Extra to Have a Pre-existing Condition Covered?

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

What is Full Medical Underwriting?

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

What is Moratorium Underwriting?

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

Will My Claim Take Longer If I Have Moratorium Underwriting?

Claims may require additional information if under moratorium underwriting.

What is a Pre-existing Condition?

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.

Is An Annual Review Of My Health Insurance Necessary?

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.

Are There Age Restrictions For Health Insurance?

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.

Is It More Cost-Effective To Pay For Health Insurance Monthly Or Annually?

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.

Do I Need Private Health Insurance If My Employer Provides Coverage?

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.

Is A Medical Exam Required To Get Coverage?

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.

Do I Need A GP Referral To Go Private?

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.

How Much Quicker Can I Get A GP Appointment With Private Medical Insurance?

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.

What's The Difference Between Inpatient And Outpatient Care?

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.

What's The Difference Between Health Insurance And Critical Illness Cover?

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.

Will My Policy Cover Me Outside Of The UK?

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.

How Are Health Insurance Premiums Taxed? Are They Tax Deductible?

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.

How Does The Excess Work?

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.

What Is The Difference Between Full Medical And Moratorium Underwriting?

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.

Can I Get A No-Claims Discount On My Private Health Insurance?

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.

How Can I Find The Best UK Private Health Insurance For Me?

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.

Do I Need a GP Referral for Private Medical Treatment?

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.

Can I Get Finance for a Loan for Surgery?

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.

How Much Does Private Medical Insurance Cost in the UK?

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

Can I Go Private and Then Return to the NHS?

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.

Is Private Healthcare Better than the NHS?

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.

Can I Self-Refer to a Private Consultant?

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.

Will the NHS Accept a Private Diagnosis?

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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The guidance contained within the website is subject to the UK regulatory regime and is therefore targeted at customers in the UK. A FCA regulated expert will contact you after you submit your details to discuss further. WeCovr is a trading style of Political And Credit Risks Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 735613.


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