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Private Health Insurance for ADHD UK

Private Health Insurance for ADHD UK 2025

As an FCA-authorised broker that has helped over 800,000 customers find cover, WeCovr understands the nuances of private medical insurance in the UK. This guide explores whether private health insurance covers Attention Deficit Hyperactivity Disorder (ADHD), a question many people are asking as awareness of the condition grows.

Does PMI cover diagnosis and treatment for ADHD in the UK?

The straightforward answer is that standard private medical insurance (PMI) in the UK does not typically cover the diagnosis or ongoing treatment of ADHD. This is because ADHD is classified as a chronic, neurodevelopmental condition, and PMI is designed to cover acute conditions that arise after you take out a policy.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include a broken bone, appendicitis, or a cataract.
  • Chronic Condition: A condition that is long-lasting, has no definitive cure, and needs ongoing management. Examples include diabetes, asthma, and ADHD.

Private health insurance is built around the principle of providing fast access to treatment for unexpected, short-term medical issues. Chronic conditions, by their very nature, require long-term care that falls outside the scope of standard PMI policies.

Furthermore, if you already have symptoms or a diagnosis of ADHD before taking out a policy, it will be considered a pre-existing condition and will be excluded from cover.

Understanding ADHD in the UK

Attention Deficit Hyperactivity Disorder (ADHD) is a neurodevelopmental condition that affects how the brain regulates attention, behaviour, and impulse control. It affects people of all ages and intelligence levels. According to guidance from the National Institute for Health and Care Excellence (NICE), ADHD is thought to affect around 5% of school-aged children and 3-4% of adults in the UK.

There are three main presentations of ADHD:

  1. Predominantly Inattentive Presentation: Difficulty organising tasks, paying attention to details, following instructions, and being easily distracted.
  2. Predominantly Hyperactive-Impulsive Presentation: Feeling restless, fidgeting, talking excessively, and acting without thinking.
  3. Combined Presentation: Symptoms of both inattentive and hyperactive-impulsive types are present.

For many adults, especially those who were not diagnosed in childhood, living with undiagnosed ADHD can lead to challenges in their careers, relationships, and mental wellbeing. This has driven a significant increase in people seeking a formal diagnosis.

The NHS Pathway vs. The Private Route

Understanding the two main pathways for an ADHD assessment is key to understanding why so many people explore private options.

The NHS Pathway

The standard route to an ADHD diagnosis in the UK is through the National Health Service.

  1. GP Appointment: The first step is to speak to your GP about your symptoms.
  2. Referral: If your GP believes an assessment is warranted, they will refer you to a specialist NHS mental health trust or a community-based ADHD service.
  3. The Wait: This is where the biggest challenge lies. NHS waiting lists for adult ADHD assessments are notoriously long. According to a 2023 report by the organisation ADHD UK, the average wait time for an assessment in some parts of the country can be several years.

Once diagnosed, NHS treatment typically involves a combination of medication (such as methylphenidate or atomoxetine) and psychological therapies like Cognitive Behavioural Therapy (CBT).

The Private Pathway (Self-Funded)

Due to the long NHS waits, many people choose to pay for a private assessment.

  • Speed: You can often be seen by a private psychiatrist within weeks rather than years.
  • Cost: This speed comes at a price. A private ADHD assessment typically costs between £700 and £2,000, depending on the clinic and the complexity of the assessment.
  • Ongoing Costs: If diagnosed, you will also need to pay for follow-up appointments (£150-£400 each) and private prescriptions until your medication is stabilised.

This significant cost is what leads many to ask: "Can my private health insurance cover this?"

A Deep Dive: Why PMI Excludes ADHD Cover

Private health insurance policies are built on a framework of specific terms, conditions, and exclusions. ADHD typically falls under several standard exclusion categories.

Exclusion CategoryWhy ADHD is ExcludedExample Policy Wording
Chronic ConditionsPMI is for short-term, curable conditions. ADHD requires lifelong management."We do not cover the treatment of long-term conditions which require ongoing or regular monitoring and management."
Pre-existing ConditionsIf you had symptoms before your policy started, the condition is excluded. ADHD symptoms almost always begin in childhood."No cover will be provided for any medical condition (or related condition) for which you have had symptoms, medication, or advice in the 5 years before your policy start date."
Developmental DisordersMany policies have a specific exclusion for neurodevelopmental conditions."Treatment for, or related to, developmental, learning, or behavioural problems such as ADHD and Autism Spectrum Disorders is not covered."
Psychiatric Cover LimitsEven policies with mental health cover often limit it to short-term conditions like anxiety or depression, and specifically exclude long-term psychiatric management."Outpatient psychiatric treatment is limited to a set number of sessions for treatable, short-term conditions."

Essentially, the insurance model is not designed to fund the diagnosis or management of lifelong conditions. Its value lies in covering the unforeseen: the knee injury that needs surgery, the diagnostic tests for sudden stomach pain, or access to a cancer specialist.

What About "Right to Choose" in England?

"Right to Choose" is an NHS provision that allows patients in England to choose a qualified private provider for their assessment and treatment, funded by the NHS. This can significantly cut down waiting times.

To use Right to Choose:

  1. Discuss your symptoms with your GP.
  2. Inform them you wish to use your "Right to Choose" and select a private provider that has an NHS contract (many private ADHD clinics do).
  3. Your GP sends the referral to that provider instead of the local NHS trust.

This is a fantastic option that provides the speed of the private sector with NHS funding, bypassing the need for insurance or self-funding for the assessment itself.

How a PMI Broker like WeCovr Can Still Help

Even though private medical insurance doesn't cover ADHD, it plays a vital role in protecting your overall health. This is where an expert broker becomes invaluable. The team at WeCovr can help you:

  • Understand the Fine Print: We help you decipher the complex policy documents from the best PMI providers in the UK, so you know exactly what is and isn't covered regarding mental health and other conditions.
  • Find the Right Policy for You: We search the market to find a policy that matches your budget and covers you for a wide range of other acute medical conditions, providing peace of mind.
  • Clarify Mental Health Benefits: While ADHD itself isn't covered, some policies offer better support for related acute mental health conditions like anxiety or depression. We can identify policies with superior mental health benefits, such as access to therapy sessions.

Our service is completely free to you, and we are committed to finding you the most suitable private health cover for your unique circumstances.

Managing ADHD: Wellness, Health, and Lifestyle Tips

While medical treatment is often essential, lifestyle adjustments can make a significant difference in managing ADHD symptoms. A holistic approach can improve focus, mood, and overall wellbeing.

1. Nutrition and Diet

What you eat can have a direct impact on brain function.

  • Protein-Rich Foods: Protein is used by the body to make neurotransmitters, the chemicals that brain cells use to communicate. A high-protein breakfast (eggs, Greek yoghurt, a protein shake) can help improve concentration.
  • Complex Carbohydrates: Foods like whole grains, brown rice, and vegetables release glucose slowly, providing a more stable energy source for the brain compared to sugary snacks.
  • Omega-3 Fatty Acids: Found in oily fish (salmon, mackerel), walnuts, and flaxseeds, Omega-3s are crucial for brain health and have been shown in some studies to help with ADHD symptoms.
  • Limit Sugar and Processed Foods: These can cause energy spikes and crashes, which can worsen symptoms of inattention and hyperactivity.

As a WeCovr customer, you get complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It can be an excellent tool for planning balanced meals and ensuring you're getting the right nutrients to support your brain health.

2. The Power of Exercise

Physical activity is one of the most effective ways to manage ADHD symptoms.

  • Boosts Dopamine and Norepinephrine: Exercise increases levels of these key neurotransmitters in the same way that stimulant medication does, improving attention and focus.
  • Reduces Excess Energy: For those with hyperactivity, activities like running, swimming, or team sports can be a great outlet.
  • Improves Mood: Exercise releases endorphins, which helps combat the anxiety or low mood that can sometimes accompany ADHD. Aim for at least 30 minutes of moderate-intensity activity most days.

3. Prioritise Sleep

The link between ADHD and sleep problems is strong. Poor sleep worsens inattention, mood swings, and impulsivity.

  • Consistent Schedule: Go to bed and wake up at the same time every day, even on weekends.
  • Wind-Down Routine: An hour before bed, turn off screens, read a book, take a warm bath, or listen to calming music. This signals to your brain that it's time to sleep.
  • Optimise Your Bedroom: Keep your room cool, dark, and quiet.
  • Avoid Caffeine and Alcohol: Steer clear of stimulants like caffeine in the afternoon and evening.

4. Organisational Strategies

Creating structure can help compensate for executive function challenges.

  • Use Planners and Apps: Digital calendars, to-do list apps, and project management tools can help you keep track of tasks and deadlines.
  • Time-Blocking: Allocate specific blocks of time in your day for specific tasks. This reduces the mental effort of deciding what to do next.
  • Break Down Large Tasks: A big project can feel overwhelming. Break it down into small, manageable steps to make it easier to start and complete.

Understanding Your Policy: Underwriting is Key

When you apply for private medical insurance UK, the insurer needs to assess the risk you pose. They do this through a process called underwriting. Understanding this is crucial if you have a pre-existing condition like ADHD.

Full Medical Underwriting (FMU)

With FMU, you provide a detailed medical history by filling out a comprehensive questionnaire. You must declare your ADHD diagnosis and any related treatment. The insurer will then review this information and will almost certainly apply a specific exclusion for ADHD and any related conditions. The advantage is clarity: you know from day one exactly what is not covered.

Moratorium Underwriting

This is the most common type of underwriting. You don't have to provide a full medical history upfront. Instead, the policy automatically excludes cover for any condition for which you have had symptoms, medication, or advice in the five years prior to the policy start date.

This exclusion can be lifted if, after a continuous two-year period on the policy, you have not had any symptoms, treatment, medication, or advice for that condition. For a lifelong condition like ADHD, it is virtually impossible to meet these criteria, meaning it will effectively be permanently excluded from your cover.

Declaring your ADHD is not optional. You must be honest during the application process. Failure to disclose a pre-existing condition can be considered non-disclosure and could lead to your insurer cancelling your policy and refusing to pay claims.

Can I Get PMI If I Have ADHD?

Yes, absolutely. Having an ADHD diagnosis does not prevent you from getting private medical insurance. You can still get comprehensive cover for a vast range of new, acute medical conditions that might arise in the future.

PMI can provide invaluable peace of mind and fast access to:

  • Specialist consultations for new symptoms
  • Diagnostic imaging like MRI and CT scans
  • Surgical procedures (e.g., joint replacements, hernia repair)
  • Advanced cancer treatment and care
  • In-patient and out-patient therapies for acute conditions

The policy will simply exclude ADHD itself, not your eligibility for the insurance.

What If My Employer's Policy is Different?

Group PMI schemes provided by an employer can sometimes have more generous terms than individual policies.

  • Medical History Disregarded (MHD): Large corporate schemes often have MHD underwriting. This means the insurer agrees to cover pre-existing conditions, including chronic ones. However, even on these schemes, there may still be limits or specific exclusions for developmental disorders.
  • Check Your Policy Documents: If you are part of a company health scheme, it is vital to read your policy documents or speak to your HR department to understand the exact level of cover for mental health and pre-existing conditions. Do not assume everything is covered.

When you purchase PMI or Life Insurance with WeCovr, you may also be eligible for discounts on other types of cover, adding even more value and protection for you and your family.


Do I need to declare my ADHD when applying for private health insurance?

Yes, absolutely. When applying for private medical insurance, you have a duty to answer all questions honestly and completely. If you are applying with Full Medical Underwriting, you will be asked directly about your medical history. If you are on a Moratorium policy, the condition will be automatically excluded if you've had symptoms or treatment recently. Hiding a diagnosis is considered non-disclosure and could invalidate your entire policy when you need to make a claim.

Does private health insurance cover ADHD medication in the UK?

No, standard private health insurance policies in the UK do not cover the cost of ongoing medication for chronic conditions like ADHD. PMI is designed for short-term illnesses, and long-term repeat prescriptions fall outside its scope. Once your medication is stabilised privately, you can often arrange a 'shared care agreement' with your NHS GP to get your prescriptions on the NHS.

Is it worth getting private health insurance if it doesn't cover my ADHD?

For many people, yes. While your ADHD will be excluded, a private medical insurance policy gives you fast-track access to diagnosis and treatment for a wide range of other new, acute conditions. This can include everything from seeing a specialist for joint pain within days, getting an urgent MRI scan, to accessing the latest cancer drugs. It provides a safety net for your future health, separate from your ADHD management.
This is a nuanced area. While the ADHD itself won't be covered, many policies provide a limited number of therapy sessions for acute mental health conditions like anxiety or depression. If you develop an episode of anxiety that is treatable within a set number of sessions, your PMI might cover that therapy, even if the anxiety is linked to your ADHD. However, cover for long-term, ongoing therapy is unlikely. It's crucial to check the specific mental health terms of your policy.

Ready to find the right health protection for you?

Navigating the world of private medical insurance can be complex, but you don't have to do it alone. The expert, friendly advisors at WeCovr are here to help. We compare policies from across the market to find cover that fits your needs and budget, all at no cost to you.

Get your free, no-obligation quote today and take the first step towards securing your health.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.

How does it work?

Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:

• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment

Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.

Questions to ask yourself regarding private medical insurance

Just ask yourself:
👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?

Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.

Benefits offered by private medical insurance

Private medical insurance provides numerous benefits that can significantly improve your healthcare experience and outcomes:

Faster Access to Treatment
One of the biggest advantages is avoiding NHS waiting lists. While the NHS provides excellent care, waiting times can be lengthy. With private medical insurance, you can often receive treatment within days or weeks rather than months.

Choice of Consultant and Hospital
You can choose your preferred consultant and hospital, giving you more control over your healthcare journey. This is particularly important for complex treatments where you want a specific specialist.

Better Facilities and Accommodation
Private hospitals typically offer superior facilities, including private rooms, better food, and more comfortable surroundings. This can make your recovery more pleasant and potentially faster.

Advanced Treatments
Private medical insurance often covers treatments and medications not available on the NHS, giving you access to the latest medical advances and technologies.

Mental Health Support
Many policies include comprehensive mental health coverage, providing faster access to therapy and psychiatric care when needed.

Tax Benefits for Business Owners
If you're self-employed or a business owner, private medical insurance premiums can be tax-deductible, making it a cost-effective way to protect your health and your business.

Peace of Mind
Knowing you have access to private healthcare when you need it provides invaluable peace of mind, especially for those with ongoing health conditions or concerns about NHS capacity.

Private medical insurance is particularly valuable for those who want to take control of their healthcare journey and ensure they receive the best possible treatment when they need it most.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get private medical insurance early?

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

👉 We insure our cars, houses, and even our phones! Yet our health is the most precious thing we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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