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Private Health Insurance Cost UK NHS Comparison

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
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TL;DR

WeCovr explains how PMI compares with free NHS care — and why many still choose private cover As an FCA-authorised broker that has helped over 900,000 customers find the right protection, WeCovr understands the UK health landscape. The National Health Service (NHS) is a cornerstone of British life, offering incredible care to millions, free at the point of use. Yet, with growing pressures and record waiting lists, more people than ever are considering private medical insurance (PMI) to secure their health and wellbeing.

Key takeaways

  • The NHS (National Health Service): A publicly funded healthcare system. It’s designed to provide comprehensive, universal care to everyone, regardless of their ability to pay. You've already paid for it through National Insurance contributions and general taxation. It covers everything from GP visits and emergency care to long-term chronic conditions and complex surgeries.
  • Private Medical Insurance (PMI): An insurance policy that covers the cost of private healthcare for specific conditions. You pay a regular premium to an insurance company. In return, if you develop an eligible medical condition after taking out the policy, the insurer pays for your diagnosis and treatment in a private hospital or facility.
  • You feel unwell: You develop a new symptom, like persistent knee pain or concerning digestive issues.
  • Visit your NHS GP: Your first port of call is almost always your GP. Private insurance doesn't cover GP visits (though some premium plans offer access to a private virtual GP service).
  • Get a referral: Your GP diagnoses the issue or, more likely, refers you to a specialist for further investigation. This is called an 'open referral'.

WeCovr explains how PMI compares with free NHS care — and why many still choose private cover

As an FCA-authorised broker that has helped over 900,000 customers find the right protection, WeCovr understands the UK health landscape. The National Health Service (NHS) is a cornerstone of British life, offering incredible care to millions, free at the point of use. Yet, with growing pressures and record waiting lists, more people than ever are considering private medical insurance (PMI) to secure their health and wellbeing.

But is it worth the cost? This comprehensive guide breaks down the comparison between PMI and the NHS. We'll explore the real costs, benefits, and crucial differences to help you decide if private health cover is the right choice for you and your family.

Understanding the Core Difference: NHS vs. Private Health Insurance

At first glance, the two systems seem worlds apart. One is a public service funded by your taxes, and the other is a private insurance policy you pay for monthly or annually.

  • The NHS (National Health Service): A publicly funded healthcare system. It’s designed to provide comprehensive, universal care to everyone, regardless of their ability to pay. You've already paid for it through National Insurance contributions and general taxation. It covers everything from GP visits and emergency care to long-term chronic conditions and complex surgeries.

  • Private Medical Insurance (PMI): An insurance policy that covers the cost of private healthcare for specific conditions. You pay a regular premium to an insurance company. In return, if you develop an eligible medical condition after taking out the policy, the insurer pays for your diagnosis and treatment in a private hospital or facility.

Think of it this way: the NHS is your safety net for all health issues. PMI is a supplementary service designed to help you bypass NHS waiting lists for eligible, acute conditions, giving you more choice and control over your treatment. Crucially, PMI does not replace the NHS. You will always have access to the NHS for emergencies, GP services, and conditions your policy doesn't cover.

How Does Private Medical Insurance Work in the UK?

Understanding the process is key. It's not as simple as just buying a policy and getting all healthcare for free.

Here’s a typical journey for a PMI policyholder:

  1. You feel unwell: You develop a new symptom, like persistent knee pain or concerning digestive issues.
  2. Visit your NHS GP: Your first port of call is almost always your GP. Private insurance doesn't cover GP visits (though some premium plans offer access to a private virtual GP service).
  3. Get a referral: Your GP diagnoses the issue or, more likely, refers you to a specialist for further investigation. This is called an 'open referral'.
  4. Contact your insurer: You call your PMI provider with your referral details. You'll need to provide information about your symptoms and what the GP has recommended.
  5. Claim authorised: The insurer checks that your condition is covered by your policy. For example, they confirm it's not a pre-existing or chronic condition that's excluded. If it's covered, they authorise your claim and give you a pre-authorisation number.
  6. Choose your specialist and hospital: Your insurer will provide a list of approved specialists and private hospitals from their network. You can choose where and when you'd like to be treated.
  7. Receive treatment: You attend your private appointments, scans, and have your procedure. The bills are sent directly to your insurance company.
  8. Pay your excess (if any): You pay the agreed-upon excess amount directly to the hospital. The insurer covers the rest, up to your policy limits.

This process allows you to receive prompt treatment, often within weeks, compared to the months or even years you might wait for the same procedure on the NHS.

What Does Private Health Insurance Cover (and What Does it Exclude)?

This is the most important section to understand. A common misconception is that PMI covers everything. It doesn't. UK private medical insurance is designed to treat acute conditions that begin after you take out the policy.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., joint replacement, cataract surgery, hernia repair, cancer treatment).

  • A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, has no known cure, requires palliative care, or is likely to recur (e.g., diabetes, asthma, high blood pressure, arthritis).

Standard PMI policies do not cover chronic conditions. The NHS remains the best place for managing these long-term illnesses.

Here is a general breakdown of what is typically included and excluded:

Typically Covered by PMITypically Excluded from PMI
In-patient & Day-patient Treatment: Surgery and procedures requiring a hospital bed.Pre-existing Conditions: Any illness or injury you had symptoms of or treatment for before your policy started.
Out-patient Cover (often optional): Consultations, diagnostic tests, and scans that don't require a hospital bed.Chronic Conditions: Long-term illnesses like diabetes, asthma, arthritis, and high blood pressure.
Cancer Cover: Comprehensive cover for diagnosis, chemotherapy, radiotherapy, and surgery is a core feature of most policies.Emergency Treatment: A&E visits are handled by the NHS.
Mental Health Cover (often optional): Access to therapy, counselling, and psychiatric treatment.Normal Pregnancy & Childbirth: Complications may be covered, but routine maternity care is not.
Therapies: Physiotherapy, osteopathy, and chiropractic treatment following a referral.Cosmetic Surgery: Procedures that are not medically necessary.
Advanced Medical Technology: Access to drugs and treatments not yet available on the NHS.GP Services: Your day-to-day GP care remains with the NHS.

Critical Note on Pre-existing Conditions: Insurers use 'underwriting' to decide how to handle conditions you've had in the past. The two main types are 'Moratorium' and 'Full Medical Underwriting'. With a moratorium, any condition you've had in the 5 years before joining is automatically excluded for the first 2 years of the policy. With full underwriting, you declare your medical history upfront, and the insurer tells you exactly what is excluded from day one. An expert PMI broker like WeCovr can help you understand which is best for your situation.

The Real Cost of Private Health Insurance in the UK: 2025 Breakdown

So, how much does this peace of mind actually cost? The price of a PMI policy varies hugely based on several factors. There's no "one-size-fits-all" premium.

Below are some illustrative monthly premiums for a non-smoker on a mid-range policy with a £250 excess. These are estimates for 2025 and your actual quote will differ.

Table 1: Estimated Monthly PMI Premiums by Age and Location

AgeLondon PostcodeRest of UK (e.g., Manchester)
30£65 - £85£50 - £70
40£80 - £110£65 - £90
50£115 - £160£95 - £130
60£180 - £250£150 - £210

As you can see, age and location are significant drivers. Premiums are higher in London and the South East due to the higher cost of private medical care in those areas.

Cost Breakdown by Cover Level

Your premium also depends heavily on the level of cover you choose.

  • Basic: Covers in-patient and day-patient treatment only. Designed to protect against the cost of major surgery.
  • Mid-Range: Includes basic cover plus a set limit for out-patient diagnostics and consultations (e.g., up to £1,000). This is the most popular level of cover.
  • Comprehensive: Full cover for in-patient and out-patient treatment, often with higher limits and additional benefits like mental health, dental, and optical cover.

Table 2: Estimated Monthly Premiums by Cover Level (45-year-old, non-smoker, outside London)

Cover LevelEstimated Monthly PremiumKey Features
Basic£55 - £75In-patient and day-patient care only. Cancer cover included.
Mid-Range£70 - £95Adds out-patient diagnostics and consultations up to a limit (e.g., £1,000-£1,500).
Comprehensive£100 - £140+Full out-patient cover, plus options for therapies, mental health, and dental/optical.

Factors That Influence Your PMI Premium

Understanding what affects your premium can help you tailor a policy to your budget.

  1. Age: The single biggest factor. The older you are, the higher the statistical likelihood of claiming, so premiums rise.
  2. Location: As shown above, costs are higher in major cities, especially London.
  3. Smoking Status: Smokers pay significantly more than non-smokers due to the increased health risks.
  4. Level of Cover: The more comprehensive the policy, the higher the cost. Limiting out-patient cover is a common way to reduce premiums.
  5. Policy Excess (illustrative): This is the amount you agree to pay towards a claim. A higher excess (£500 or £1,000) will lower your monthly premium. A £0 excess will result in a much higher premium.
  6. Hospital List: Insurers have different tiers of hospitals. Choosing a list that excludes the most expensive central London hospitals can reduce your premium.
  7. Underwriting Type: The method used to assess your medical history can sometimes affect the price.
  8. No Claims Discount: Similar to car insurance, you can build up a no-claims discount over time, which reduces your renewal premium.

The "Cost" of Using the NHS: Waiting Times and Opportunity Costs

While the NHS is free at the point of use, relying on it entirely can have other "costs". The most significant of these is time.

According to the latest NHS England statistics (as of early 2025), the situation remains challenging:

  • Total Waiting List: The referral-to-treatment (RTT) waiting list stands at over 7.5 million cases.
  • Long Waits: Hundreds of thousands of patients have been waiting over 52 weeks for treatment. A significant number have been waiting over 18 months.
  • Cancer Targets: Key targets for seeing a specialist within two weeks of an urgent GP referral, and starting treatment within two months, are frequently being missed.
  • Diagnostic Waits: Over a million people are waiting for key diagnostic tests like MRI scans, CT scans, and endoscopies.

These delays aren't just an inconvenience; they have real-world consequences:

  • Health Deterioration: A condition can worsen while you wait, making treatment more complex and recovery longer.
  • Pain and Discomfort: Living with pain for months or years impacts your quality of life, mental health, and ability to work or care for family.
  • Loss of Earnings: If your condition prevents you from working, a long wait can lead to significant financial hardship. This is a major reason why self-employed people and business owners choose private health cover.
  • Mental Strain: The uncertainty and anxiety of waiting for a diagnosis or treatment can take a heavy toll.

For a self-employed plumber with a painful knee requiring a replacement, waiting 18 months on the NHS could mean 18 months of lost income. A PMI policy costing £80 a month could get them treated and back to work in under two months. In this scenario, the cost of the insurance is far less than the cost of waiting.

NHS vs. Private Care: A Head-to-Head Comparison

Let's put the two side-by-side to see how they stack up on the key things that matter to patients.

Table 3: Detailed Comparison of NHS vs. Private Healthcare

FeatureNHS CarePrivate Medical Insurance (PMI)The WeCovr Verdict
CostFree at the point of use (funded by taxes).Monthly/annual premium plus an excess on claims.NHS wins on direct cost, but PMI can be more cost-effective if it prevents loss of earnings.
Waiting TimesCan be very long, from months to over a year for non-urgent procedures.Very short. Typically a few weeks from GP referral to treatment.Clear win for PMI. This is the primary reason people buy it.
Choice of SpecialistLimited choice. You are treated by the consultant on duty.Full choice of specialist from the insurer's approved list.PMI offers greater control and the ability to choose a doctor based on reputation or speciality.
Choice of HospitalLimited choice, usually based on your postcode.Wide choice of private hospitals across the UK from your insurer's list.PMI provides flexibility on where you are treated.
Hospital EnvironmentTypically in a shared ward with several other patients.A private, en-suite room is standard.For comfort, privacy, and a quieter recovery, PMI is far superior.
Visiting HoursOften restricted to specific times of the day.Flexible, open visiting hours for family and friends.PMI offers a more accommodating environment for your support network.
Access to DrugsTreatments are approved by NICE. Some newer, expensive drugs may not be available.Access to some licensed drugs and treatments not yet approved by NICE for NHS use.A key benefit, especially for cancer treatment, where new drugs can offer better outcomes.
Cover ScopeComprehensive. Covers everything from A&E to chronic conditions.Covers acute conditions only. Excludes pre-existing, chronic, and emergency care.The NHS is the essential safety net for all health issues. PMI is supplementary.

Why Do People in the UK Choose Private Health Insurance?

Given that the NHS provides excellent medical care, why do over 4 million people in the UK choose to pay for PMI? The reasons go beyond just "skipping the queue."

  1. Speed of Access: This is the number one driver. The ability to get a diagnosis and start treatment in weeks, not months, provides immense peace of mind and leads to better outcomes.
  2. Choice and Control: Choosing your surgeon and the hospital where you'll be treated empowers patients. You can research the best specialist for your specific condition.
  3. Comfort and Privacy: Recovering in a private room with an en-suite bathroom, better food, and flexible visiting hours makes a stressful experience much more comfortable.
  4. Access to Specialist Treatments: For certain conditions, particularly cancer, PMI can provide access to newer drugs or therapies that aren't yet available on the NHS due to cost or pending NICE approval.
  5. Reduced Impact on Work and Family: For the self-employed, business owners, or those in key roles, a long absence from work is financially and operationally disastrous. PMI gets them back on their feet quickly.
  6. Mental Wellbeing: Many policies now offer excellent mental health support, providing fast access to therapy and counselling, an area where NHS waiting lists can be particularly long.

How to Get the Best Value from Your Private Health Cover

If you decide PMI is for you, you'll want to ensure you're getting the best possible value for your money.

  • Choose the Right Excess: Opting for a higher excess (e.g., £500) can dramatically reduce your premium. You only pay this if you make a claim.
  • Consider a 6-Week Option: Some policies offer a reduced premium if you agree to use the NHS if the waiting list for your required treatment is less than six weeks. If it's longer, you can go private.
  • Review Your Hospital List: Do you need access to the most expensive central London hospitals? If not, choosing a more restricted list can save you money.
  • Use an Independent Broker: A broker like WeCovr compares policies from all the leading UK providers (like Bupa, AXA, Aviva, and Vitality) to find the best cover for your specific needs and budget. Our expert advice is free, and we can often find deals you wouldn't find by going direct.
  • Leverage Wellness Benefits: Many modern policies come with added perks. These can include discounted gym memberships, free cinema tickets, or health tracking rewards. WeCovr also offers complimentary access to our AI-powered diet and calorie tracking app, CalorieHero, to help you stay healthy, as well as discounts on other insurance policies when you take out PMI.

The UK private medical insurance market is complex. There are dozens of providers, each with multiple policy options, different hospital lists, and unique terms and conditions. Trying to compare them yourself can be overwhelming and lead to choosing the wrong cover.

This is where an independent PMI broker is invaluable.

  • Expertise: We live and breathe health insurance. We know the market inside out and can explain the complex jargon in simple terms.
  • Whole-of-Market Comparison: We are not tied to any single insurer. We compare policies from across the market to find the one that truly fits you.
  • Personalised Advice: We take the time to understand your health, your budget, and what's important to you before recommending a policy.
  • No Extra Cost: Our service is free for you. We are paid a commission by the insurer you choose, but this does not affect the premium you pay.
  • Claims Support: If you need to make a claim, we can be on hand to help you navigate the process.

With high customer satisfaction ratings and a commitment to clear, honest advice, WeCovr is dedicated to helping you make an informed decision.

Do I still need the NHS if I have private health insurance?

Yes, absolutely. Private medical insurance (PMI) is designed to work alongside the NHS, not replace it. You will still rely on the NHS for GP services, Accident & Emergency care, and the management of any chronic conditions (like diabetes or asthma) that are not covered by your private policy. PMI is for accessing faster treatment for new, acute conditions.

Does private medical insurance cover pre-existing conditions?

No, standard UK private medical insurance does not cover pre-existing conditions. These are any diseases, illnesses, or injuries for which you have experienced symptoms, received medication, or sought advice before your policy start date. Insurers use underwriting to exclude these, either through a moratorium period or by explicitly listing them as exclusions after you declare your medical history.

Can I buy private health insurance if I am over 65?

Yes, you can. While premiums are higher for older individuals due to the increased likelihood of needing medical treatment, many insurers offer policies with no upper age limit for joining. There are also specialist providers who design policies specifically for the over-65 market. An independent broker can help you find the most suitable and cost-effective options.

Is cancer treatment covered by private health insurance?

Yes, comprehensive cancer cover is a core feature of almost all private medical insurance policies in the UK. This typically includes the cost of diagnosis, surgery, and treatments like radiotherapy and chemotherapy. A key benefit of private cover is often faster access to treatment and a wider range of specialist drugs and therapies than may be available on the NHS.

Get Your Personalised Private Health Insurance Quote Today

The decision to invest in private health cover is a personal one, weighing the monthly cost against the invaluable benefits of speed, choice, and peace of mind. While the NHS remains a world-class service, PMI offers a powerful way to complement it, ensuring you and your family can access the best possible care exactly when you need it.

Ready to see how affordable your cover could be?

Contact WeCovr today for a free, no-obligation quote. Our expert advisors will compare the UK's leading insurers to find the perfect policy for your needs and budget.

Sources

  • Department for Transport (DfT): Road safety and transport statistics.
  • DVLA / DVSA: UK vehicle and driving regulatory guidance.
  • Association of British Insurers (ABI): Motor insurance market and claims publications.
  • Financial Conduct Authority (FCA): Insurance conduct and consumer information guidance.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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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 experienced advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced insurance experts who are passionate about advising people on financial matters related to private medical insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable private medical insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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