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Private Health Insurance Cost UK vs Income Protection

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

As an FCA-authorised broker that has helped secure over 900,000 policies, WeCovr understands that navigating the world of private medical insurance in the UK can be complex. This guide compares Private Medical Insurance (PMI) with Income Protection, helping you decide which is right for your health and financial security. Comparing PMI with protection insurance alternatives When planning for your future, you might wonder about the best way to protect yourself and your family.

Key takeaways

  • Private Medical Insurance (PMI) is about your health. It pays for private medical treatment to help you get better, faster.
  • Income Protection (IP) is about your finances. It provides a replacement income if you're unable to work due to illness or injury.
  • Speed of Access: Get diagnosed and treated faster. NHS waiting lists for non-urgent procedures can be long. According to NHS England data, the median wait time for consultant-led elective care was around 15 weeks in mid-2024, with many waiting much longer.
  • Choice and Control: You can often choose your specialist, consultant, and the hospital where you receive treatment.
  • Comfort and Privacy: Treatment is usually in a private hospital, often with a private en-suite room, more flexible visiting hours, and better food choices.

As an FCA-authorised broker that has helped secure over 900,000 policies, WeCovr understands that navigating the world of private medical insurance in the UK can be complex. This guide compares Private Medical Insurance (PMI) with Income Protection, helping you decide which is right for your health and financial security.

Comparing PMI with protection insurance alternatives

When planning for your future, you might wonder about the best way to protect yourself and your family. Two key types of insurance often come up: Private Medical Insurance (PMI) and Income Protection (IP).

Many people think they do the same job, but they are fundamentally different.

  • Private Medical Insurance (PMI) is about your health. It pays for private medical treatment to help you get better, faster.
  • Income Protection (IP) is about your finances. It provides a replacement income if you're unable to work due to illness or injury.

Think of it this way: PMI helps you get the treatment you need, while IP helps you pay your bills while you recover. Let's delve into each one to see how they work and who they're for.

What is Private Medical Insurance (PMI)?

Private Medical Insurance, often called private health cover, is a policy that pays for the cost of private medical treatment for acute conditions that arise 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.

Critical Constraint: PMI does not cover chronic or pre-existing conditions. A chronic condition is one that is long-lasting and requires ongoing management, such as diabetes, asthma, or high blood pressure. A pre-existing condition is any illness or injury you had symptoms or treatment for before your policy started. Standard UK PMI is designed for new, treatable health issues.

Key Benefits of Private Medical Insurance

The main reason people in the UK opt for PMI is to gain more control over their healthcare and bypass potential NHS waiting lists.

  • Speed of Access: Get diagnosed and treated faster. NHS waiting lists for non-urgent procedures can be long. According to NHS England data, the median wait time for consultant-led elective care was around 15 weeks in mid-2024, with many waiting much longer.
  • Choice and Control: You can often choose your specialist, consultant, and the hospital where you receive treatment.
  • Comfort and Privacy: Treatment is usually in a private hospital, often with a private en-suite room, more flexible visiting hours, and better food choices.
  • Access to Specialist Treatments: Some policies provide access to drugs or treatments that may not be available on the NHS due to funding decisions.
  • Digital GP Services: Most modern policies include 24/7 access to a virtual GP, allowing you to get medical advice quickly from home.

What Does PMI Typically Cover?

Cover is usually split into three categories:

Cover TypeDescriptionExample
In-patientCovers costs when you are admitted to hospital and stay overnight. This includes surgery, hospital fees, and specialist consultations.A planned knee replacement surgery requiring a two-night hospital stay.
Day-patientCovers treatment where you are admitted to hospital for a day but do not stay overnight.A colonoscopy or cataract surgery.
Out-patientCovers diagnostic tests, consultations, and therapies that don't require hospital admission. This is often an optional add-on.Seeing a specialist for back pain, followed by MRI scans and physiotherapy.

Most basic policies cover in-patient and day-patient treatment as standard. Comprehensive policies will also include extensive out-patient cover, along with therapies like physiotherapy, osteopathy, and mental health support.

What is Income Protection (IP) Insurance?

Income Protection Insurance is a different beast entirely. It’s a financial safety net. If you become ill or suffer an injury that stops you from working, an IP policy pays you a regular, tax-free monthly income.

This income is designed to replace a portion of your lost earnings, helping you cover essential living costs like:

  • Mortgage or rent payments
  • Utility bills
  • Food and groceries
  • Childcare costs
  • Loan repayments

Unlike PMI, Income Protection doesn't pay for medical treatment. It gives you the financial stability to focus on your recovery without worrying about how you'll pay the bills. This is especially vital for the self-employed or those with limited sick pay from their employer.

Key Features of Income Protection

Understanding a few key terms is crucial when considering an IP policy.

  1. Level of Cover: You can typically insure up to 50-70% of your pre-tax gross income. Insurers cap it to ensure you have a financial incentive to return to work.
  2. Deferred Period: This is the agreed waiting period between when you stop working and when the policy starts paying out. Common options are 4, 8, 13, 26, or 52 weeks. The longer the deferred period, the lower your premium. You should aim to match it to any sick pay you receive from your employer.
  3. Payment Term: This is how long the policy will pay out for.
    • Short-term: Typically pays out for 1, 2, or 5 years per claim.
    • Long-term: Can pay out right up until you retire or return to work. This offers the most comprehensive protection but is more expensive.
  4. Definition of Incapacity: This is one of the most important parts of the policy. It defines what "unable to work" means.
    • Own Occupation: The best definition. The policy pays out if you are unable to do your specific job.
    • Suited Occupation: Pays out if you cannot do your own job or a similar one for which you are qualified.
    • Any Occupation: The most restrictive. Only pays out if you are so incapacitated you cannot do any kind of work.

Always aim for an 'Own Occupation' policy if possible, as it offers the strongest level of protection. An expert PMI broker like WeCovr can help you find policies with this superior definition.

Head-to-Head Comparison: PMI vs. Income Protection

To make the choice clearer, here is a direct comparison of the two types of insurance.

FeaturePrivate Medical Insurance (PMI)Income Protection (IP)
Primary PurposeTo cover the costs of private medical treatment for acute conditions.To provide a replacement income if you can't work due to any illness or injury.
What it Pays ForHospital bills, surgeon fees, specialist consultations, diagnostic scans.Your living expenses (mortgage, bills, food) via a monthly income.
Payout MethodPays the medical provider (hospital, clinic) directly.Pays a regular, tax-free monthly sum directly to your bank account.
Key BenefitFast access to treatment, bypassing NHS waiting lists.Financial security and peace of mind during a period of incapacity.
Main ExclusionsChronic conditions, pre-existing conditions, emergencies, cosmetic surgery.Pre-existing conditions may be excluded; claims during the deferred period.
Cost InfluencesAge, location, level of cover, excess, smoker status.Age, occupation, health, deferred period, percentage of income covered.
Tax TreatmentPremiums are not tax-deductible. Payouts (to providers) are not taxed.Premiums are not tax-deductible. Payouts are tax-free.

Real-Life Scenarios

Let's see how each policy would work in practice.

Scenario 1: Sarah, the Accountant with Knee Pain

Sarah is a 45-year-old accountant. She develops severe knee pain that makes walking difficult. Her GP refers her to an NHS specialist, but the waiting list for an initial consultation is four months, and the wait for surgery could be over a year.

  • With PMI: Sarah uses her private medical insurance. She sees a private consultant within a week. An MRI scan is done a few days later, confirming she needs a partial knee replacement. The surgery is scheduled and completed in a private hospital just six weeks after her initial GP visit. Her PMI provider pays the hospital and surgeon fees directly, totalling over £13,000.
  • With Income Protection: Sarah's IP policy would not help her get treated faster. However, if her knee pain became so severe that she had to take three months off work before the surgery, her IP policy (after her chosen 4-week deferred period) would start paying her a monthly income to cover her bills.

Scenario 2: David, the Self-Employed Builder with a Back Injury

David is a 38-year-old self-employed builder. He injures his back while lifting heavy materials and is told by his doctor he cannot work for at least six months. As he's self-employed, he has no sick pay.

  • With PMI: David's PMI could get him quick access to physiotherapy or a consultation with a spinal specialist. This might speed up his recovery. However, it wouldn't help him pay his mortgage.
  • With Income Protection (illustrative): This is where IP is a lifesaver. David has an IP policy with a 4-week deferred period. After one month off work, his policy starts paying him £2,000 a month (60% of his average earnings). This continues for the six months he is unable to work, ensuring he and his family can cope financially.

How Much Does Private Health Insurance Cost in the UK?

The cost of private health cover varies widely. It's a highly personalised product. The main factors that determine your premium are:

  • Age: This is the single biggest factor. Premiums increase as you get older because the risk of health issues rises.
  • Location: Living in areas with expensive private hospitals, like Central London, will increase your premium.
  • Level of Cover: A basic policy covering only in-patient care will be much cheaper than a comprehensive one with full out-patient, mental health, and dental cover.
  • Excess (illustrative): This is the amount you agree to pay towards a claim. A higher excess (e.g., £500) will lower your monthly premium.
  • Underwriting:
    • Moratorium: Simpler to set up. The insurer automatically excludes treatment for any condition you've had in the last 5 years.
    • Full Medical Underwriting: You declare your full medical history. The insurer may place specific exclusions on your policy, but you have certainty from day one.
  • Lifestyle: Smokers typically pay more than non-smokers.

Here are some illustrative monthly costs for a non-smoker with a £250 excess. These are examples only; your quote will be specific to you.

AgeBasic Cover (In-patient only)Comprehensive Cover (incl. Out-patient)
30From £35/monthFrom £60/month
45From £55/monthFrom £90/month
60From £95/monthFrom £150/month

How Much Does Income Protection Insurance Cost?

Like PMI, Income Protection cost is also highly individual. The key drivers are different, with occupation playing a much larger role.

  • Occupation: Insurers classify jobs into risk categories. An office worker (low risk) will pay much less than a scaffolder (high risk).
  • Age: Premiums are lower when you're younger and healthier.
  • Health: Your medical history and lifestyle (e.g., smoker status) are critical.
  • Deferred Period: A 13-week deferred period will be significantly cheaper than a 4-week one.
  • Benefit Amount: The more income you want to cover, the higher the cost.
  • Payment Term: A long-term policy that covers you until retirement is more expensive than a short-term one that pays for a maximum of 2 years.

Here are some illustrative monthly costs for a non-smoker seeking £2,000/month of cover until age 67, with an 'Own Occupation' definition.

Age & Occupation4-Week Deferred Period13-Week Deferred Period
30-year-old Office WorkerFrom £25/monthFrom £18/month
30-year-old Manual LabourerFrom £50/monthFrom £38/month
45-year-old Office WorkerFrom £55/monthFrom £40/month
45-year-old Manual LabourerFrom £100/monthFrom £75/month

Do I Need PMI, Income Protection, or Both?

The right answer depends on your personal circumstances, priorities, and budget.

You might prioritise PMI if:

  • Your main concern is avoiding long NHS waiting lists for diagnosis and treatment.
  • You have generous sick pay from your employer or enough savings to cover your expenses for several months.
  • You want the comfort and choice that private healthcare offers.

You might prioritise Income Protection if:

  • You are self-employed or a contractor with no employee benefits.
  • Illustrative estimate: Your employer offers only Statutory Sick Pay (SSP), which was just £116.75 per week in 2024 – not enough for most people to live on.
  • You have dependents and a mortgage, and your primary fear is being unable to meet your financial commitments if you fall ill.

The "Belt and Braces" Approach: Having Both

For the most complete protection, having both policies is the ideal scenario. They work together perfectly:

PMI gets you diagnosed and treated quickly, minimising your time away from work. Income Protection secures your finances during your recovery, removing financial stress.

This combination ensures both your health and your wealth are protected.

What About Critical Illness Cover?

There's a third option in the protection family: Critical Illness Cover (CIC).

  • How it works: CIC pays out a one-off, tax-free lump sum if you are diagnosed with one of a specific list of serious conditions defined in the policy (e.g., certain types of cancer, heart attack, stroke).
  • How it differs from IP: CIC pays a lump sum for a specific diagnosis, regardless of whether you can work. IP pays a monthly income for any illness or injury that prevents you from working, including stress or a bad back, which are not covered by CIC.
Insurance TypeWhat triggers a payout?What does it pay?
PMINeeding treatment for an acute medical condition.The cost of the treatment.
Income ProtectionBeing unable to work due to any illness/injury.A regular monthly income.
Critical Illness CoverDiagnosis of a specific, defined serious illness.A one-off lump sum.

How to Choose the Right Policy: The Role of a Broker

The world of insurance is filled with jargon, complex terms, and dozens of providers. This is where an independent broker is invaluable.

Using a specialist broker like WeCovr costs you nothing, as we are paid by the insurer you choose. We work for you, not the insurance company.

Benefits of using WeCovr:

  • Whole-of-Market Advice: We compare policies from all the UK's leading insurers to find the best fit for you.
  • Expert Guidance: We explain the differences between policies, helping you understand crucial details like the definition of incapacity or out-patient limits.
  • Personalised Recommendations: We take the time to understand your health, finances, and priorities to recommend the right level of cover.
  • Hassle-Free Process: We handle the application process for you, saving you time and paperwork.

Enhancing Your Wellbeing with Your Insurance

Modern insurance is no longer just about claims; it's about promoting a healthy lifestyle to prevent illness in the first place. Many of the best PMI providers now include fantastic wellness benefits as standard:

  • Discounted gym memberships and fitness trackers.
  • 24/7 Virtual GP access.
  • Mental health support, including therapy sessions.
  • Rewards and points for healthy activities like walking or regular check-ups.

At WeCovr, we go a step further. All our clients who purchase a Private Medical Insurance or Life Insurance policy receive:

  • Complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app to help you manage your diet and health goals.
  • Exclusive discounts on other types of cover, making it more affordable to build a comprehensive protection portfolio.

We believe in supporting your health journey every day, not just when you need to make a claim. A balanced diet, 7-8 hours of quality sleep, and regular physical activity are the cornerstones of good health, and our tools are designed to help you achieve them.

Does private health insurance cover pre-existing conditions in the UK?

Generally, no. Standard UK private medical insurance (PMI) is designed to cover acute conditions that arise *after* your policy begins. Pre-existing conditions, which are any health issues you had symptoms or treatment for before taking out the policy, are typically excluded. The same applies to chronic conditions like diabetes or asthma that require ongoing management rather than a curative treatment.

Is Income Protection insurance tax-deductible?

For personal Income Protection policies taken out by an individual, the monthly premiums are not tax-deductible. However, the major benefit is that any monthly income you receive from the policy if you claim is completely tax-free. This ensures the payout you receive is the amount you need to cover your living costs.

Can I have both Private Medical Insurance and Income Protection?

Yes, and for many people, this is the ideal solution. The two policies provide complementary, not overlapping, protection. PMI ensures you get fast access to medical treatment to aid your recovery, while Income Protection provides the financial support to pay your bills while you're unable to work. Together, they form a robust shield for both your health and your finances.

Why should I use a broker like WeCovr for my insurance?

Using an expert, FCA-authorised broker like WeCovr provides several advantages at no extra cost to you. We compare the entire market to find the most suitable policy for your specific needs and budget. We demystify the complex jargon, help you understand the fine print, and manage the application process. This ensures you get the right cover from a reputable insurer at a competitive price, saving you time and potential costly mistakes.

Ready to find the right protection for you and your family? The choice between PMI and Income Protection is a crucial one, but you don't have to make it alone.

Contact the friendly experts at WeCovr today for a free, no-obligation quote. We'll compare the UK's top insurers to find a policy that perfectly fits your needs and budget.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.
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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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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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