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Private Health Insurance Claims What Documents Will You Need

Private Health Insurance Claims What Documents Will You Need

Navigating the UK private medical insurance claims process can feel daunting, but it’s straightforward with the right guidance. As FCA-authorised experts who have helped arrange over 800,000 policies, WeCovr is here to demystify the paperwork, ensuring you can focus on what matters most: your health.

Checklist of all paperwork, referrals, hospital reports, and claim forms required

Making a claim on your private medical insurance (PMI) policy requires a clear paper trail. Having your documents in order from the outset is the single best way to ensure a swift and stress-free process.

Here is a master checklist of the documents you will likely need. Keep this handy, and your claims journey will be significantly smoother.

Document TypePurposeWhen is it Needed?
GP Referral LetterTo confirm a medical need for specialist consultation or diagnostics.At the very start of the claims process.
Policy Number & DetailsTo identify you and verify your level of cover.Every time you contact your insurer.
Claim Form (Online/Paper)The official request to your insurer to authorise and pay for treatment.After your GP referral, before you see a specialist.
Pre-Authorisation CodeThe insurer's approval code, confirming they will cover the treatment.Before you book any consultation, scan, or procedure.
Consultant/Hospital InvoicesBills for the services you have received.After each stage of treatment (consultation, tests, surgery).
Medical ReportsDetailed notes from your specialist about your diagnosis and treatment plan.Insurers may request this for complex cases or to verify a condition.
Proof of IdentityRarely requested, but good to have a form of ID on hand.Only if the insurer needs to verify your identity.

Understanding the Private Medical Insurance Claims Process: A Step-by-Step Guide

Before we dive into the details of each document, it’s helpful to understand the typical journey of a PMI claim in the UK. While specifics can vary slightly between providers like Bupa, Aviva, or Vitality, the core steps remain consistent.

The Goal: To get a 'pre-authorisation' number from your insurer. This number is your golden ticket—it's the insurer's formal agreement to cover the costs of your upcoming consultation, test, or treatment.

Here’s the typical flow:

  1. You Feel Unwell: You develop a new symptom or have an injury (an acute condition).
  2. Visit Your GP: This is almost always the first port of call. Your GP assesses your condition. They cannot be a private GP if you want to claim on your insurance; it must be your registered NHS GP.
  3. Get a Referral: If your GP believes you need to see a specialist, they will write a referral letter.
  4. Contact Your Insurer: You call your PMI provider's claims line or log in to their online portal. You will need your policy number.
  5. Submit Your 'Claim': You provide details of your symptoms and the GP referral. This is the initial claim.
  6. Receive Pre-Authorisation: The insurer checks your policy, confirms the condition is covered, and issues a pre-authorisation number for the specific next step (e.g., an initial consultation with a cardiologist).
  7. Book Your Appointment: You can now book an appointment with a specialist from your insurer's approved list. You give the hospital or clinic your pre-authorisation number.
  8. Attend and Get Treated: You attend your appointment, have tests, or undergo a procedure.
  9. Billing is Handled Directly: In most cases, the hospital or specialist will send their invoice directly to your insurer, quoting your pre-authorisation number. You don't have to handle the bills yourself.

This cycle may repeat. For example, after an initial consultation, your specialist may recommend an MRI scan. You would then contact your insurer again for a new pre-authorisation number for the scan.

A Note on Health and Wellness

While insurance is for when things go wrong, prevention is always better than cure. Maintaining a healthy lifestyle can reduce your risk of developing many acute conditions. Simple habits like a balanced diet, regular exercise (even a 30-minute daily walk), and aiming for 7-8 hours of quality sleep can have a profound impact on your long-term health. To help our clients on their wellness journey, WeCovr provides complimentary access to our AI-powered nutrition app, CalorieHero, to make tracking your diet simple and effective.

Key Document #1: The GP Referral Letter

This is the cornerstone of almost every private medical insurance claim. Without it, your claim will not proceed.

What is a GP Referral Letter?

A GP referral letter is a formal document written by your NHS General Practitioner addressed to a specialist consultant. It serves two primary functions:

  1. Medical Justification: It explains your symptoms and medical history, outlining why the GP believes a specialist opinion is necessary.
  2. Insurance Requirement: It acts as proof for your insurer that your condition requires specialist investigation, justifying the use of your private health cover.

What Should a GP Referral Letter Contain?

A good referral letter will be clear and concise. It should include:

  • Your personal details (name, date of birth, address).
  • A summary of your symptoms and how long you've had them.
  • The results of any preliminary tests the GP has already conducted.
  • The GP's suspected diagnosis (if any).
  • The type of specialist you need to see (e.g., "a Consultant Dermatologist" or "an Orthopaedic Surgeon specialising in knees").

Open Referral vs. Named Referral

Your GP can provide two types of referrals:

  • Open Referral: This is the most common and recommended type for PMI. The letter will be addressed to a type of specialist (e.g., "Dear Gastroenterologist") rather than a specific person. This gives you and your insurer the flexibility to choose any consultant from their approved network.
  • Named Referral: This is when your GP recommends a specific consultant by name. This is fine, but you must check that this specific consultant is recognised and covered by your insurer before booking an appointment. If they are not on your insurer's list, you will not be covered.

Pro Tip: Always ask your GP for an open referral. It makes the claims process much smoother and gives you a wider choice of specialists.

The Crucial Distinction: Acute vs. Chronic Conditions

This is the single most important concept to understand in UK private medical insurance. Misunderstanding this point is the number one reason for confusion and declined claims.

Private Medical Insurance is designed to cover acute conditions that arise after you take out your policy.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include a broken bone, cataracts, appendicitis, or a hernia.
  • Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, has no known cure, is likely to recur, or requires ongoing management. Examples include diabetes, asthma, high blood pressure, and arthritis.

PMI does not cover chronic conditions. It also does not cover pre-existing conditions—any ailment you had symptoms of, or received advice or treatment for, in the years before your policy began (typically the last 5 years).

Real-World Example:

  • Sarah develops sudden, sharp knee pain after a run. She has no history of knee problems. Her GP refers her to an orthopaedic surgeon. MRI scans show a torn meniscus. The surgery to repair it is an acute treatment and will be covered by her PMI.
  • David has had osteoarthritis in his knee for ten years. It is managed with painkillers. This is a chronic condition. His standard PMI policy will not cover ongoing management, consultations, or a knee replacement for this pre-existing condition.

Understanding this distinction is key to managing your expectations and using your policy effectively. If you're ever unsure, the claims team at your insurer or an expert broker like WeCovr can clarify what is and isn't covered by your specific policy.

Key Document #2: Claim Forms and Pre-Authorisation

Once you have your GP referral, your next step is to formally start the claim with your insurer.

The Claim Form (Digital or Paper)

In the past, this was always a paper form you had to fill out and post. Today, most major UK insurers have moved this process online or handle it over the phone.

Whether online or on paper, you will be asked for:

  • Your Policy Number: Keep your membership card or policy documents handy.
  • Personal Details: Your name, DOB, and contact information.
  • GP Details: The name and address of your GP practice.
  • Symptom Information: A brief description of your symptoms, when they started, and what part of the body is affected.
  • Referral Details: You'll need to confirm you have a GP referral. Some insurers may ask you to upload a copy.

The All-Important Pre-Authorisation Number

After you submit your initial claim information, the insurer assesses it against your policy's terms. If everything is in order, they will issue a pre-authorisation number.

Think of this as permission to proceed. This number confirms:

  1. The insurer agrees the condition is eligible for cover.
  2. They have authorised a specific action (e.g., one initial consultation, one MRI scan, or a specific surgical procedure).
  3. They will pay for this action, up to the limits of your policy.

You must have a pre-authorisation number before you incur any costs. Do not book a specialist appointment or a scan until you have this number. When you book, you will give this number to the hospital or clinic's reception team, who use it for billing.

Key Document #3: Hospital and Consultant Paperwork

For the most part, you won't need to handle invoices and payments yourself. The private healthcare system in the UK operates on a direct settlement basis.

How Direct Settlement Works

  1. The hospital and the consultant (e.g., the surgeon and the anaesthetist) have their own fees.
  2. After your treatment, their billing departments will send separate invoices directly to your insurance provider.
  3. They will quote your name, policy number, and the pre-authorisation number for that specific treatment.
  4. Your insurer processes the invoices and pays the hospital and consultants directly.

This is a seamless process designed to keep you out of the financial administration. However, there are times you might see this paperwork.

DocumentWhat It IsWhy You Might See ItAction to Take
Consultant InvoiceA bill from the specialist for their time (consultation, surgery).Sometimes sent to you by mistake, or if there's a shortfall.Forward it immediately to your insurer. Do not pay it yourself.
Hospital InvoiceA bill from the hospital for the room, nursing care, tests, and theatre fees.As above, usually sent directly to the insurer.Forward it immediately to your insurer. Do not pay it yourself.
Shortfall LetterA notification that a consultant's fee exceeds your policy limit.Some top consultants charge more than the standard insurance rate.You are liable to pay the difference directly to the consultant. Your insurer will tell you if this is the case.
Discharge SummaryA report from the hospital summarising your stay and treatment.A copy is sent to your GP, and you may receive one too.Keep it for your records. It's a useful summary of your treatment.

Top Tip: Even though you don't handle the bills, it's wise to create a digital or physical folder for any health-related correspondence you receive. This includes appointment letters, discharge summaries, and any letters from your insurer.

How to Avoid Common Claim Delays and Rejections

A rejected claim is frustrating, but most can be avoided by understanding your policy and following the correct procedure. The vast majority of claims are paid; according to 2023 data from the Association of British Insurers (ABI), 97.4% of individual private medical insurance claims were successful.

Here are the most common pitfalls and how to steer clear of them.

PitfallWhy It HappensHow to Avoid It
Condition is Not CoveredTrying to claim for a pre-existing or chronic condition, or a specific exclusion like cosmetic surgery.Read your policy documents carefully. If in doubt, call your insurer or broker before getting a referral.
No GP ReferralSelf-referring to a specialist without consulting your NHS GP first.Always start with your GP. It is a fundamental requirement of almost all UK PMI policies.
No Pre-AuthorisationBooking and attending an appointment before getting approval from your insurer.Never book anything without a pre-authorisation number. The process is usually quick (often on the same phone call).
Using an Unapproved ProviderSeeing a consultant or using a hospital that is not on your insurer's approved list.Use the approved hospital list provided by your insurer. Most have an easy-to-search online directory.
Exceeding Policy LimitsYour policy may have annual limits on outpatient cover (e.g., £1,000 for consultations and tests).Check your outpatient limits before starting a course of diagnostics. Your insurer will track this for you.
Incomplete InformationNot providing all the details the insurer needs on the claim form.Take your time when filling out forms or speaking to the claims handler. Have your GP referral letter in front of you.

The Value of an Expert Broker

Navigating these rules can sometimes feel complex, especially if your medical situation is not straightforward. This is where an independent PMI broker like WeCovr adds immense value. Not only can we help you compare the market to find the best private health cover for your needs and budget, but we can also provide guidance during the claims process. Our expertise can be invaluable in liaising with insurers and ensuring you've got all the right documents in place.

Real-Life Claim Scenarios: Document Flow in Action

Let's walk through two common scenarios to see how the documents come into play.

Scenario 1: A Hernia Repair

  • Step 1: Mark feels a lump and discomfort in his groin. He visits his NHS GP.
  • Step 2: The GP suspects an inguinal hernia and writes an open referral letter for a General Surgeon.
  • Step 3: Mark calls his insurer. He provides his policy number and details from the GP letter.
  • Step 4: The insurer confirms hernia surgery is covered and issues a pre-authorisation number for an initial surgical consultation.
  • Step 5: Mark uses the insurer's online directory to find an approved surgeon at a local private hospital and books an appointment, providing his pre-authorisation number.
  • Step 6: The surgeon confirms the diagnosis and recommends surgery.
  • Step 7: Mark calls his insurer again with the surgeon's plan. They issue a new pre-authorisation number covering the entire surgical "package" (surgeon, anaesthetist, hospital stay).
  • Step 8: Mark has the surgery. The hospital and consultants send their invoices directly to the insurer.
  • Step 9: Mark receives a discharge summary, which he files away. The claim is settled without him seeing a single bill.

Scenario 2: Investigating Dizziness

  • Step 1: Chloe experiences recurring dizzy spells. She sees her NHS GP.
  • Step 2: The GP is unsure of the cause and provides an open referral letter to see a Neurologist.
  • Step 3: Chloe logs into her insurer's online portal, enters her policy details, and uploads a scan of the referral to start her claim.
  • Step 4: The insurer issues pre-authorisation for a neurology consultation.
  • Step 5: The neurologist recommends an MRI of the brain and some blood tests to rule out serious issues.
  • Step 6: Chloe calls her insurer to get pre-authorisation for the MRI and tests. She checks her outpatient limit on her policy documents to ensure she has enough cover. The insurer confirms she does.
  • Step 7: Chloe has the scan and tests. The hospital bills the insurer directly using the new pre-authorisation number.
  • Step 8: The results are clear, and the neurologist diagnoses a benign condition. No further treatment is needed. The claim is complete.

Managing Your Claim in the Digital Age

The PMI landscape has embraced technology, making claims management easier than ever. Most leading insurers offer:

  • Online Portals: Secure websites where you can start a new claim, track existing ones, view your policy documents, and find approved specialists.
  • Mobile Apps: Many of the portal's features are available on your smartphone, allowing you to manage your health cover on the go.
  • Digital Document Uploads: Instead of posting, you can often just take a photo of your GP referral letter and upload it directly.

Embracing these tools can significantly speed up the start of your claim. However, all insurers still maintain excellent UK-based call centres if you prefer to speak to a person.

As a WeCovr client, you also get access to other benefits designed to support your overall wellbeing. This includes discounts on other insurance products like life or travel insurance and complimentary access to our CalorieHero app to help you build healthy nutritional habits. We believe in providing value that extends beyond just the insurance policy itself. Our high customer satisfaction ratings reflect this commitment to supporting our clients' complete health and financial wellbeing.


Do I need to tell my private health insurer about every GP visit?

No, you do not. Your private medical insurance is for when you need specialist treatment. Routine visits to your NHS GP are entirely separate and you do not need to inform your insurer about them. You only need to contact your insurer when your GP has recommended you see a specialist and provided you with a referral letter.

What happens if my private health insurance claim is rejected?

If your claim is rejected, the insurer must provide a clear written explanation of the reason. This is often because the condition is a policy exclusion (e.g., a chronic or pre-existing condition). First, read their reasoning carefully and check it against your policy documents. If you believe there has been a mistake, you can use the insurer's official complaints procedure. If you are still not satisfied, you have the right to take your case to the independent Financial Ombudsman Service for a final decision.

Can I use a private GP for my referral?

This depends entirely on your specific policy. Most standard UK private medical insurance policies require a referral from your registered NHS GP. However, some more comprehensive or international-style policies do offer a 'Private GP' or 'Digital GP' service as a benefit, and a referral from this service would be accepted. Always check your policy documents or call your insurer to confirm before paying for a private GP consultation.

Do I have to pay an excess on my claim?

This depends on the policy you chose when you bought it. An excess is a fixed amount (e.g., £100, £250, £500) that you agree to pay towards the cost of a claim each policy year. If you have an excess, you will usually pay it directly to the first hospital that treats you. Choosing a higher excess can significantly lower your monthly premium. Your policy schedule will clearly state if an excess applies and how much it is.

Ready to explore your options for private health cover? The team at WeCovr can help you compare policies from across the market to find the perfect fit for you, your family, or your business, all at no cost to 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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