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Private Health Insurance for Authors in the UK

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 arrange over 900,000 policies, WeCovr understands the unique needs of UK authors. Private medical insurance can provide vital peace of mind, ensuring health setbacks don’t derail your writing career. Let's explore the best private health cover options available to you.

Key takeaways

  • Bypass NHS Waiting Lists: The NHS is a national treasure, but it's under significant pressure. According to the latest NHS England data, the waiting list for routine consultant-led elective care stands at over 7.5 million. The average (median) wait time is around 15 weeks, but many wait much longer for certain specialisms. For an author, a delay of several months for a hip replacement, cataract surgery, or a hernia repair can be financially devastating. PMI allows you to bypass these queues for eligible acute conditions.
  • Protect Your Income: As a self-employed professional, if you're not writing, you're not earning. A prolonged health issue can halt your progress on a book, jeopardise a publishing contract, or prevent you from taking on freelance writing assignments. Fast access to treatment helps you minimise this downtime and protect your income stream.
  • Control and Choice: Private health cover gives you more control over your healthcare journey. You can often choose your specialist or surgeon, select a hospital that is convenient for you, and schedule appointments and procedures at times that fit around your writing schedule.
  • Comfort and Privacy: A private hospital room can provide a quiet, comfortable environment to recover. For a writer whose work requires deep concentration, having a peaceful space to rest—and perhaps even do some light editing or planning—can make a significant difference to recovery.
  • Access to Specialist Therapies: The writing life can take a toll on your body. Long hours sitting can lead to back pain, while intensive typing can cause Repetitive Strain Injury (RSI). PMI can provide swift access to physiotherapists, osteopaths, and chiropractors to address these musculoskeletal issues before they become debilitating.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the unique needs of UK authors. Private medical insurance can provide vital peace of mind, ensuring health setbacks don’t derail your writing career. Let's explore the best private health cover options available to you.

Health cover designed for fiction and non-fiction writers

The life of an author is one of immense creativity, discipline, and dedication. Whether you're crafting the next bestselling novel or a meticulously researched non-fiction book, your career is uniquely demanding. It often involves long, solitary hours, tight deadlines, and the financial uncertainty that comes with being self-employed.

In this context, your health isn't just a personal matter—it's the cornerstone of your livelihood. An unexpected illness or injury can mean more than just discomfort; it can lead to missed deadlines, lost income, and a significant pause in your creative output.

This is where private medical insurance (PMI) becomes an invaluable tool. It’s not about replacing the NHS, but about complementing it, giving you more control over your healthcare and helping you get back to your manuscript faster.

Why Should UK Authors Consider Private Health Insurance?

For many authors, the decision to invest in private health cover is a strategic one, rooted in the practical realities of their profession. Unlike those in traditional employment with sick pay and company health schemes, most writers are navigating their careers solo.

Here are the key reasons why PMI is a sensible choice for authors:

  • Bypass NHS Waiting Lists: The NHS is a national treasure, but it's under significant pressure. According to the latest NHS England data, the waiting list for routine consultant-led elective care stands at over 7.5 million. The average (median) wait time is around 15 weeks, but many wait much longer for certain specialisms. For an author, a delay of several months for a hip replacement, cataract surgery, or a hernia repair can be financially devastating. PMI allows you to bypass these queues for eligible acute conditions.

  • Protect Your Income: As a self-employed professional, if you're not writing, you're not earning. A prolonged health issue can halt your progress on a book, jeopardise a publishing contract, or prevent you from taking on freelance writing assignments. Fast access to treatment helps you minimise this downtime and protect your income stream.

  • Control and Choice: Private health cover gives you more control over your healthcare journey. You can often choose your specialist or surgeon, select a hospital that is convenient for you, and schedule appointments and procedures at times that fit around your writing schedule.

  • Comfort and Privacy: A private hospital room can provide a quiet, comfortable environment to recover. For a writer whose work requires deep concentration, having a peaceful space to rest—and perhaps even do some light editing or planning—can make a significant difference to recovery.

  • Access to Specialist Therapies: The writing life can take a toll on your body. Long hours sitting can lead to back pain, while intensive typing can cause Repetitive Strain Injury (RSI). PMI can provide swift access to physiotherapists, osteopaths, and chiropractors to address these musculoskeletal issues before they become debilitating.

Understanding the UK Health System: NHS vs. Private Care

It’s crucial to understand that private medical insurance in the UK is designed to work alongside the NHS, not replace it. Think of it as a complementary service for specific situations.

Here’s a simple breakdown:

ServiceNHSPrivate Medical Insurance (PMI)
Emergency Care✅ Yes (A&E)❌ No (PMI does not cover emergencies)
Chronic Conditions✅ Yes (Manages ongoing illnesses like diabetes, asthma)❌ No (PMI does not cover the routine management of chronic conditions)
Pre-existing Conditions✅ Yes❌ No (Conditions you had before taking out the policy are usually excluded)
Acute Conditions✅ Yes (But may involve long waiting lists)✅ Yes (This is PMI's primary function – to treat new, curable conditions quickly)
Choice of Specialist❌ Limited✅ Yes (Often from an approved list)
Choice of Hospital❌ Limited✅ Yes (From your policy's hospital list)
Private Room❌ Unlikely✅ Often guaranteed

The Critical Point: Pre-existing and Chronic Conditions

This is the single most important concept to grasp about UK private health insurance. Standard PMI policies are designed to cover acute conditions that arise after you take out your policy.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a hernia, cataracts, joint pain needing replacement).
  • Chronic Condition: 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, or is likely to recur (e.g., diabetes, asthma, arthritis, high blood pressure).
  • Pre-existing Condition: Any condition for which you have experienced symptoms, received medication, or sought advice before your policy's start date.

The NHS remains the primary provider for managing chronic and pre-existing conditions. PMI is your fast track for new, treatable health problems.

What Does Private Medical Insurance for Authors Typically Cover?

A PMI policy is built from a core foundation of cover, with optional extras you can add to tailor it to your specific needs and budget.

Core PMI Cover

Nearly all policies will include cover for in-patient and day-patient treatment as standard.

  • In-patient: You are admitted to a hospital bed and stay overnight.
  • Day-patient: You are admitted to a hospital bed for a procedure but do not stay overnight.

This core cover typically includes:

  • Hospital accommodation and nursing care fees.
  • Surgeons' and anaesthetists' fees.
  • Specialist consultation fees while you are admitted.
  • Diagnostic tests like MRI scans, CT scans, and X-rays during your hospital stay.
  • Cancer cover (this is often comprehensive, but check the specifics of the policy).

Optional Add-Ons to Consider

This is where you can customise your policy. As an author, some of these add-ons are particularly valuable.

Optional Add-OnWhat It CoversWhy an Author Might Want It
Out-patient CoverConsultations, diagnostic tests, and procedures that don't require a hospital bed.Crucial for getting a diagnosis quickly. Without it, you'd rely on the NHS for your initial specialist appointment and scans, which can involve a long wait.
Therapies CoverPhysiotherapy, osteopathy, chiropractic treatment, and sometimes podiatry.Essential for treating back pain, neck strain, and RSI—common ailments for writers. Quick access can prevent a niggle from becoming a major problem.
Mental Health CoverAccess to psychiatrists, psychologists, and therapists for conditions like anxiety, stress, and depression.The solitary and high-pressure nature of writing can take a mental toll. This cover provides a vital support network.
Dental & Optical CoverRoutine check-ups, dental treatments, and contributions towards glasses or contact lenses.Useful for managing the costs of eye care due to screen-related eye strain and general dental health.

A specialist broker like WeCovr can help you navigate these options, ensuring you only pay for the cover you genuinely need.

Health Challenges Specific to Writers and How PMI Can Help

The romantic image of a writer scribbling in a Parisian café belies the physical and mental reality of the profession. Let's look at the common challenges and how PMI can be a writer's best friend.

1. Musculoskeletal Mayhem: Back Pain, Neck Strain, and RSI

Spending 8-10 hours a day hunched over a keyboard is a recipe for musculoskeletal problems.

  • The Problem: Lower back pain, stiff neck and shoulders, and Repetitive Strain Injury (RSI) in the wrists and hands are incredibly common. These conditions can make typing painful, or even impossible.
  • How PMI Helps: With therapies cover, you can get an immediate referral to a physiotherapist or osteopath. Instead of waiting weeks for an NHS appointment, you can start a course of treatment within days, getting you back to writing comfortably.

Wellness Tip: Set up an ergonomic workspace. Your chair should support your lower back, your feet should be flat on the floor, and the top of your monitor should be at or slightly below eye level. Take a 5-minute break every hour to stretch and walk around.

2. The Mental Marathon: Stress, Burnout, and Isolation

Writing is a mentally taxing job. The pressure of deadlines, the sting of rejection, the uncertainty of advances, and the profound isolation can lead to significant mental health challenges.

  • The Problem: Anxiety, depression, creative burnout, and imposter syndrome are rife within the writing community.
  • How PMI Helps: A policy with a robust mental health option provides a confidential and fast route to support. This could be a course of Cognitive Behavioural Therapy (CBT) to manage anxiety, or sessions with a counsellor to talk through feelings of burnout. Many insurers now offer digital mental health support through apps, providing immediate access to resources.

Wellness Tip: Schedule social interaction into your week. Join a local writing group, connect with peers online, or simply make sure you have coffee with a friend. Practise mindfulness or meditation for 10 minutes a day to calm a busy mind.

3. Screen Strain: Protecting Your Eyes

Your eyes are your most critical tool. Staring at a screen all day can lead to Computer Vision Syndrome (CVS), with symptoms like eye strain, headaches, blurred vision, and dry eyes.

  • The Problem: Neglecting eye health can lead to long-term issues and discomfort that hinders your ability to work.
  • How PMI Helps: An optical add-on can cover the cost of regular eye tests and contribute towards glasses designed to reduce screen glare. This proactive care helps you protect your vision for the long haul.

Wellness Tip: Follow the 20-20-20 rule. Every 20 minutes, look at something 20 feet away for at least 20 seconds. This simple habit helps to relax your eye muscles.

How to Choose the Best PMI Policy for Your Needs as an Author

Navigating the private medical insurance market can feel complex, but understanding a few key terms will empower you to make an informed decision.

Underwriting: Moratorium vs. Full Medical Underwriting

This is how an insurer decides which conditions to cover.

Underwriting TypeHow It WorksProsCons
Moratorium (Mori)You don't declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms of or treatment for in the last 5 years. This exclusion can be lifted if you go 2 continuous years on the policy without any issues relating to that condition.Quicker to set up. Less initial paperwork.Can be uncertainty about what's covered until you make a claim. The "2-year" clock can restart if the condition reoccurs.
Full Medical Underwriting (FMU)You complete a detailed health questionnaire, declaring your entire medical history. The insurer then tells you exactly what is and isn't covered from day one.Provides complete clarity from the start. You know precisely where you stand.The application process is longer. Exclusions are often permanent.

For many, Moratorium underwriting is simpler, but if you have a complex medical history, FMU can provide valuable certainty.

Key Policy Levers to Manage Your Premium

You can adjust your policy to fit your budget. Here are the main ways to do it:

  1. Excess: This is the amount you agree to pay towards a claim each year. For example, if you have a £250 excess and your treatment costs £3,000, you pay the first £250 and the insurer pays the rest. A higher excess leads to a lower monthly premium.
  2. Hospital List: Insurers have tiered hospital lists. A comprehensive list including prime London hospitals will be the most expensive. Choosing a list that excludes these high-cost centres can significantly reduce your premium.
  3. The 6-Week Wait Option: This is a popular way to save money. With this option, if the NHS can provide the in-patient treatment you need within six weeks, you agree to use the NHS. If the NHS waiting list is longer than six weeks, your private cover kicks in. As the main benefit of PMI is speed, this option effectively ensures you never wait more than six weeks for eligible treatment.
  4. No-Claims Discount (NCD): Similar to car insurance, you build up a discount for every year you don't make a claim, which reduces your renewal premium.

How Much Does Private Health Insurance Cost for an Author?

The cost of private medical insurance in the UK varies widely based on personal circumstances and the level of cover chosen. The key factors influencing your premium are:

  • Age: Premiums increase as you get older.
  • Location: Living in or near London and other major cities is typically more expensive.
  • Cover Level: A comprehensive policy with out-patient and therapies cover will cost more than a basic in-patient-only plan.
  • Excess: A higher excess lowers the premium.
  • Smoker Status: Smokers pay more than non-smokers.

To give you a general idea, here are some illustrative monthly premium examples for a non-smoking author living outside of London.

Illustrative Monthly Premiums for Authors (2025)

AgeBasic Cover (In-patient, £500 excess)Mid-Range Cover (In/day-patient, limited out-patient, £250 excess)Comprehensive Cover (Full out-patient, therapies, £100 excess)
30£35 - £50£55 - £75£80 - £110
40£45 - £65£70 - £95£100 - £140
50£60 - £85£90 - £130£140 - £200
60£90 - £130£140 - £190£200 - £280

Disclaimer: These figures are for illustrative purposes only. Your actual quote will depend on your individual circumstances and the insurer you choose.

The Role of a Specialist PMI Broker like WeCovr

Trying to compare policies from all the different providers (like Bupa, AXA Health, Aviva, and Vitality) can be overwhelming. This is where an independent, FCA-authorised broker like WeCovr becomes an indispensable partner.

  • Expert, Unbiased Advice: We work for you, not the insurance companies. Our job is to understand your unique needs as an author and recommend the most suitable policy from across the market.
  • No Cost to You: Our service is completely free. We receive a commission from the insurer you choose, which is already built into the price of the policy. This means you get expert advice without paying a penny extra—in fact, we can often find deals you wouldn't find by going direct.
  • We Handle the Hassle: From comparing quotes to filling out application forms and helping with claims, we do the heavy lifting so you can focus on your writing.
  • Added Value: At WeCovr, we believe in promoting overall wellbeing. That's why clients who purchase PMI or Life Insurance with us receive complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. Furthermore, our clients often benefit from discounts on other types of cover, like income protection or life insurance, helping you build a complete financial safety net.

With high customer satisfaction ratings, our team is dedicated to finding you the right cover with the minimum of fuss.

Frequently Asked Questions (FAQs)

As a self-employed author, can I claim my PMI premiums as a business expense?

This is a common question. For a sole trader, HMRC generally considers private medical insurance a personal expense, not a business one, so you cannot claim tax relief on the premiums. However, if you operate as a limited company and the company pays for your PMI, it is typically considered an allowable business expense. It is also treated as a 'benefit in kind', which means you may have to pay some additional personal tax. We always recommend speaking to your accountant for advice specific to your business structure.

My back often hurts from writing. Will a new private health insurance policy cover physiotherapy for it?

This depends on whether it's considered a pre-existing condition. If you have seen a doctor or received treatment for your back pain in the 5 years before taking out a 'moratorium' policy, it will be excluded for at least the first 2 years. If you go 2 years on the policy without any treatment, advice, or symptoms relating to your back, the insurer may then consider covering it. If it's a brand new problem that starts after your policy begins, it would typically be covered, provided you have therapies cover in your policy. With Full Medical Underwriting, any declared back problems would likely be permanently excluded from the start.

Is it better to get a policy directly from an insurer or use a broker like WeCovr?

While you can go direct, using an independent broker like WeCovr offers several key advantages at no extra cost. A broker provides a whole-market view, comparing dozens of policies to find the one that truly fits your needs and budget. We offer impartial, expert advice to demystify the jargon and options. Going direct means you only see one provider's products, which might not be the best or most cost-effective for you. A broker acts as your advocate, ensuring you get the right cover and assisting you if you ever need to make a claim.

Your health is your most valuable asset as a writer. Investing in the right private medical insurance is an investment in your career, your creativity, and your future. It provides the peace of mind that if a health issue arises, you can get the expert care you need, when you need it, and get back to the story you were born to write.

Ready to find the right cover? Get a free, no-obligation quote from WeCovr today and let our experts help you compare the UK's leading private health insurance providers.

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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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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