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Private Health Insurance Cost Trends UK 2025

Private Health Insurance Cost Trends UK 2025 2025

Navigating the world of private medical insurance (PMI) in the UK can feel complex, especially when it comes to cost. As an FCA-authorised broker that has helped arrange over 800,000 policies of various kinds, WeCovr is perfectly placed to demystify the market and explain the pricing trends you can expect in 2025. This guide will provide a clear, expert view on where costs are heading and how you can find the best value for your health.

Where pricing is heading in the UK PMI market

Looking ahead to 2025, the general trend for private health insurance premiums is upwards. However, this doesn't tell the whole story. While headline price increases are expected, the reality for individual policyholders will be far more nuanced. The rate of any increase will depend heavily on factors like your age, your claims history, and the specific choices you make about your cover.

The key message for 2025 is one of empowerment. By understanding the forces driving costs and the levers you can pull to manage your premium, you can secure high-quality private health cover that remains affordable. The market is evolving, with insurers placing a greater emphasis on flexibility, wellness, and preventative care, creating new opportunities for savvy consumers to get more value than ever before.

The Key Drivers Behind Rising PMI Costs in 2025

To understand where your money goes, it's essential to look at the factors influencing the price of private medical insurance in the UK. These are not arbitrary increases; they are direct responses to shifts in the healthcare landscape.

Medical Inflation: The Unseen Force

You're familiar with general inflation—the rising cost of groceries, fuel, and energy. Medical inflation is a separate, more potent force. It represents the rising cost of delivering healthcare and consistently outpaces the standard Consumer Price Index (CPI).

What does it include?

  • New Drugs and Treatments: Ground-breaking cancer therapies, specialised pharmaceuticals, and biologic drugs can be extraordinarily expensive, often running into tens of thousands of pounds per patient.
  • Advanced Technology: The cost of new MRI scanners, robotic surgery systems (like the da Vinci surgical system), and advanced diagnostic tools is passed on through hospital charges.
  • Specialist Expertise: The fees for top consultants and surgeons naturally increase over time.

For 2025, medical inflation is anticipated to be a primary driver of premium adjustments. Insurers must price their policies to ensure they can cover the cost of these life-saving, but expensive, new treatments when their members need them.

Unprecedented NHS Waiting Lists

The pressure on the National Health Service is perhaps the single biggest factor influencing the PMI market today. According to the latest NHS England data, the number of treatment pathways on waiting lists remains stubbornly high, exceeding 7.5 million.

How does this affect PMI costs?

  1. Increased Demand: More people are turning to private health insurance to bypass long waits for diagnosis and treatment. This growing demand allows insurers to adjust prices.
  2. Higher Claim Frequency: With long NHS waits for routine procedures like hip replacements, cataract surgery, and hernia repairs, more policyholders are choosing to use their private cover.
  3. Increased Claim Costs: A higher volume of claims naturally leads to a larger total payout for insurers. To maintain a stable financial footing, they must adjust premiums for the following year to reflect this increased risk.

This cycle—long waits leading to more claims leading to higher premiums—is a defining feature of the current market.

An Ageing Population and Changing Lifestyles

The UK has an ageing demographic. As we get older, we are statistically more likely to require medical treatment. This fundamental fact is built into the pricing of every health insurance policy. Your premium will naturally increase each year simply because of your age.

Furthermore, lifestyle-related health issues are becoming more prevalent. While PMI is designed to cover acute conditions (illnesses or injuries that are curable and short-term), the complications arising from long-term lifestyle choices can often manifest as acute episodes that require treatment. Insurers factor these broader public health trends into their overall risk calculations.

Crucial Point: It is vital to remember that standard private medical insurance in the UK does not cover chronic conditions (like diabetes or asthma) or pre-existing conditions you had before taking out the policy. It is designed for new, eligible medical needs that arise after your cover begins.

The Cost of Innovation: A Double-Edged Sword

Medical science is advancing at an incredible pace. Treatments that were experimental a decade ago are now becoming the standard of care.

  • Proton Beam Therapy: A highly targeted form of radiotherapy for complex cancers, reducing damage to surrounding tissue.
  • Gene Therapies: Revolutionary treatments that can correct genetic disorders.
  • Robotic-Assisted Surgery: Offering greater precision and faster recovery times for patients.

These innovations offer immense hope and better outcomes, but they come with a significant price tag. A course of a new cancer drug can easily exceed £50,000. Insurers include access to these advanced treatments in their comprehensive plans, and the cost of doing so is a key component of your premium.

How Much Does Private Health Insurance Cost in the UK? A 2025 Snapshot

Pinpointing an exact cost for private medical insurance is impossible, as it's tailored to your unique circumstances. However, we can provide illustrative examples to give you a clear idea of the potential costs in 2025. The main factors that will determine your premium are your age, where you live, and the level of cover you choose.

Below are some estimated monthly costs. These are for illustrative purposes only and assume a non-smoker with no recent claims history.

Table 1: Estimated Monthly PMI Costs by Age

This table shows typical costs for a comprehensive policy with a £250 excess and a standard nationwide hospital list. As you can see, age is the most significant factor.

Age BracketEstimated Monthly Premium (2025)
30 - 39£45 - £65
40 - 49£60 - £90
50 - 59£85 - £140
60 - 69£150 - £250+

Table 2: Estimated Monthly PMI Costs by Location

Where you live matters because the cost of private treatment varies across the country. Central London hospitals and specialists are the most expensive, which is reflected in premiums. This example is for a 45-year-old with mid-level cover.

LocationEstimated Monthly Premium (2025)Why the Difference?
Rural Scotland£65 - £80Lower private hospital and consultant fees.
Northern England£70 - £85Moderate costs, competitive regional hospitals.
Central London£100 - £140+Highest fees for prestigious hospitals and top consultants.

Table 3: The Impact of Your Excess on Premiums

An 'excess' is the amount you agree to pay towards the cost of a claim. A higher excess means you take on more of the initial financial risk, so the insurer rewards you with a lower monthly premium. This example is for a 50-year-old with comprehensive cover.

Excess LevelEstimated Monthly Premium (2025)
£0£145
£250£120
£500£105
£1,000£85

Choosing an excess is a balancing act. A higher excess can deliver significant monthly savings, but you must be comfortable paying that amount if you need to make a claim.

Practical Strategies to Manage Your PMI Costs in 2025

While premiums are on an upward trend, you are not powerless. There are several highly effective strategies you can use to control your costs and ensure your private health cover remains affordable.

1. Choose the Right Excess

As shown in the table above, this is one of the most direct ways to reduce your premium. If you have some savings set aside, opting for a £500 or £1,000 excess can cut your monthly payments substantially. Think of it as a form of self-insurance for smaller claims.

2. Tailor Your Hospital List

Insurers typically offer tiered hospital lists.

  • Local/Regional List: Restricts you to a specific list of hospitals in your area. This is the most budget-friendly option.
  • National List: Gives you access to a wide range of private hospitals across the UK, but usually excludes the most expensive ones in Central London. This is the most common choice.
  • Premium/London List: Includes the top HCA hospitals and specialist clinics in Central London. This is the most expensive option.

Unless you are certain you want treatment in Central London, choosing a national list is a great way to save money without significantly compromising on choice.

3. Consider a "Guided" or "Expert Select" Option

Many leading providers now offer 'guided' options. With this type of plan, instead of choosing any specialist you wish, the insurer provides you with a shortlist of 2-3 recognised consultants for your condition. Because the insurer can direct patients to specialists with whom they have strong fee agreements, they can control costs more effectively. These savings are passed directly on to you in the form of a lower premium, often reducing the cost by around 15-20%.

4. Add a "Six-Week Wait" Option

This is a very popular cost-saving feature. With a six-week wait clause, your policy will only pay for inpatient treatment if the NHS waiting list for that specific procedure is longer than six weeks. If the NHS can treat you within that timeframe, you agree to use their services. This significantly reduces the risk for the insurer, leading to a much lower premium. It's an excellent compromise, providing a private safety net for when the NHS is unable to provide prompt care.

5. Review Your Policy Annually with an Expert Broker

Your circumstances change, and so does the insurance market. Simply letting your policy auto-renew is often the most expensive mistake you can make. An independent PMI broker like WeCovr can be invaluable here.

  • Market Comparison: At renewal, we can compare your existing insurer's offer against the entire market to see if you can get a better deal elsewhere.
  • Expert Negotiation: We can often negotiate with your current provider on your behalf.
  • Tailored Advice: We can help you adjust your cover (e.g., change your excess or hospital list) to meet your new budget. This service costs you nothing and ensures you always have the most suitable and cost-effective cover.

6. Build and Protect Your No Claims Discount (NCD)

Most PMI policies operate with a No Claims Discount, similar to car insurance. For every year you don't make a claim, you get a discount on your renewal premium, often up to a maximum of 65-75%. If you need to make a claim, your NCD will likely be reduced. Some insurers offer an option to pay a little extra to protect your NCD, which can be a worthwhile investment if you have built up a significant discount over many years.

The Added Value: Beyond Just Medical Treatment

In 2025, a private medical insurance policy is about much more than just paying for operations. Insurers are increasingly positioning themselves as holistic health partners, offering a suite of benefits designed to keep you healthy and provide support when you need it.

These 'value-added' services are often included as standard and represent significant value:

  • 24/7 Digital GP: Skip the wait for a GP appointment. Access a private GP via video or phone call anytime, day or night. You can get advice, referrals, and private prescriptions quickly and conveniently.
  • Mental Health Support: This has become a cornerstone of modern PMI. Most policies now include access to telephone counselling, support for stress and anxiety, and pathways to structured therapy like CBT, often without affecting your No Claims Discount.
  • Wellness Programmes: Insurers actively reward healthy living. You can get discounts on gym memberships, fitness trackers, and even healthy food. Some programmes track your activity and reward you with cinema tickets or free coffee for hitting your goals.
  • Complementary Health Tools: At WeCovr, we enhance this value further. All our health and life insurance clients receive complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app, helping you stay on top of your dietary goals.
  • Multi-Policy Discounts: When you arrange your PMI through us, we can also offer you exclusive discounts on other essential protection, such as life insurance or income protection, creating a comprehensive and affordable safety net for you and your family.

When comparing policies, don't just look at the price. Consider the full value of the package, including these incredibly useful day-to-day benefits.

The Future Outlook: What to Expect Beyond 2025

The private health insurance market is dynamic and will continue to evolve. Here are a few trends to watch for:

  • Hyper-Personalisation: Insurers will use data and AI to create even more personalised policies and pricing. This could mean premiums based on more granular lifestyle factors, with greater rewards for preventative health measures.
  • Focus on Preventative Care: The shift from 'sickness service' to 'wellness partner' will accelerate. Expect more resources dedicated to helping you stay healthy—from digital health coaching to subsidised health screenings—to prevent claims from ever being needed.
  • Tech Integration: The link between wearable technology (like your Apple Watch or Fitbit) and your health insurance will deepen. This could involve sharing activity data for premium discounts or using real-time health data to flag potential issues early.
  • The Enduring Value of Advice: As the market becomes more complex and personalised, the role of expert, independent advice will be more critical than ever. Navigating the options to find true value will require the guidance of a specialist broker who understands both your needs and the market's intricacies. WeCovr's consistently high customer satisfaction ratings reflect our commitment to providing this clarity and support.

Will my private health insurance premium go up every year?

Generally, you should expect your premium to increase at your annual renewal. This is due to two main factors: firstly, your premium is recalculated based on your age, and the risk of needing medical care increases as we get older. Secondly, medical inflation means the cost of treatments, drugs, and hospital care rises each year. However, you can manage these increases by reviewing your cover options, such as your excess level or hospital list, with a broker.

Does private medical insurance cover pre-existing conditions?

No, standard UK private medical insurance is designed to cover new, acute medical conditions that arise *after* your policy has started. It does not cover pre-existing conditions (ailments you had symptoms of, or sought advice or treatment for, before joining) or chronic conditions (long-term illnesses like diabetes or asthma that require ongoing management). When you apply, any pre-existing conditions will be excluded from your cover either permanently or for a set period.

Why are PMI quotes for London so much more expensive?

Premiums are higher for policies that include Central London hospitals because the cost of providing private healthcare in the capital is significantly greater than elsewhere in the UK. This is due to higher real estate costs for hospitals, higher operational expenses, and the higher fees charged by the top consultants and surgeons who are based there. If you don't need access to these specific hospitals, choosing a policy with a national or regional hospital list is an excellent way to reduce your premium.

Is it cheaper to get a policy through a broker like WeCovr?

Using an expert broker like WeCovr does not cost you anything extra; our fee is paid by the insurer we place you with. We can often find you a more cost-effective policy because we have access to the whole market and can compare dozens of policies to find the best value for your specific needs. We can also advise on the different ways to tailor your cover to bring the price down, ensuring you get the right protection at the best possible price.

Ready to take control of your health and find a private medical insurance policy that fits your needs and budget for 2025? The expert, friendly team at WeCovr is here to help you navigate the market with confidence.

Get your free, no-obligation quote today and discover the peace of mind that comes with the right private health cover.

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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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