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Private Health Insurance for Builders in the UK

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

As an FCA-authorised expert broker, WeCovr has helped UK residents secure over 900,000 policies. This guide explores why private medical insurance is a vital tool for builders, helping you bypass NHS waiting lists and get back on your feet—and back to work—faster after an injury or illness. Health cover for builders facing high accident risks The construction industry is the backbone of the UK, but it's also one of the most physically demanding and high-risk sectors.

Key takeaways

  • High Injury Rate: The rate of self-reported non-fatal workplace injuries in construction is statistically significantly higher than the average for all industries.
  • Major Causes: The most common causes of accidents are slips, trips, or falls on the same level; falls from height; and being struck by a moving object. These often result in fractures, sprains, and other musculoskeletal (MSK) injuries.
  • Musculoskeletal Disorders: An estimated 42,000 construction workers suffer from a work-related musculoskeletal disorder each year (HSE, average 2020/21-2022/23). These conditions, often affecting the back, neck, and upper limbs, are a direct result of the physical demands of the job.
  • NHS Waiting Lists: While the NHS provides excellent emergency care, waiting times for diagnostics (like MRI scans) and elective surgery (like a knee or hip operation) can be extensive. According to NHS England data, the median waiting time for consultant-led elective treatment was around 14 weeks in early 2025, with many thousands waiting far longer.
  • Income Loss: A 14-week wait could mean over three months without your primary income. Statutory Sick Pay offers minimal support, and not all self-employed builders have comprehensive income protection insurance.

As an FCA-authorised expert broker, WeCovr has helped UK residents secure over 900,000 policies. This guide explores why private medical insurance is a vital tool for builders, helping you bypass NHS waiting lists and get back on your feet—and back to work—faster after an injury or illness.

Health cover for builders facing high accident risks

The construction industry is the backbone of the UK, but it's also one of the most physically demanding and high-risk sectors. A day on site involves heavy lifting, working at height, and operating powerful machinery. While safety standards are rigorous, accidents happen. For a self-employed builder or a contractor, an injury or unexpected illness doesn't just affect your health—it directly impacts your income and ability to provide for your family.

This is where private health insurance, also known as private medical insurance (PMI), becomes more than just a "nice-to-have." It’s a crucial part of your professional toolkit, designed to provide fast access to high-quality medical care when you need it most.

Why Builders Should Urgently Consider Private Health Insurance

Working in construction carries inherent risks that go far beyond the average office job. Understanding these risks highlights the value of having a robust health plan in place.

The Stark Reality: Construction Industry Health & Safety Statistics

Data from the UK's Health and Safety Executive (HSE) paints a clear picture. In 2023/24, the construction sector continued to have one of the highest rates of workplace injury.

  • High Injury Rate: The rate of self-reported non-fatal workplace injuries in construction is statistically significantly higher than the average for all industries.
  • Major Causes: The most common causes of accidents are slips, trips, or falls on the same level; falls from height; and being struck by a moving object. These often result in fractures, sprains, and other musculoskeletal (MSK) injuries.
  • Musculoskeletal Disorders: An estimated 42,000 construction workers suffer from a work-related musculoskeletal disorder each year (HSE, average 2020/21-2022/23). These conditions, often affecting the back, neck, and upper limbs, are a direct result of the physical demands of the job.

The Economic Impact of Being Off Work

For a builder, time is money. An injury that forces you off-site can have severe financial consequences.

  • NHS Waiting Lists: While the NHS provides excellent emergency care, waiting times for diagnostics (like MRI scans) and elective surgery (like a knee or hip operation) can be extensive. According to NHS England data, the median waiting time for consultant-led elective treatment was around 14 weeks in early 2025, with many thousands waiting far longer.
  • Income Loss: A 14-week wait could mean over three months without your primary income. Statutory Sick Pay offers minimal support, and not all self-employed builders have comprehensive income protection insurance.
  • Faster Return to Work: Private medical insurance is designed to shorten this process dramatically. You can often see a specialist and have diagnostic scans within days or weeks, not months. This swift access to treatment is the single biggest advantage for someone whose livelihood depends on their physical fitness.

Real-Life Example: Imagine you're a bricklayer and you suffer a torn rotator cuff in your shoulder. On the NHS, you might face a wait of several weeks for an MRI scan to confirm the diagnosis, followed by a potential months-long wait for surgery. With PMI, you could see a specialist within a week, have the MRI a few days later, and be booked for surgery shortly after. The difference could be returning to work in two months versus six.

Understanding the UK Health System: NHS vs. Private Care

It's vital to know how private healthcare works alongside our cherished National Health Service (NHS). PMI is not a replacement for the NHS; it's a complementary service.

ServiceNHS (National Health Service)Private Medical Insurance (PMI)
Who's it for?All UK residents.Policyholders of a private plan.
CostFree at the point of use (funded by taxes).Paid for via monthly or annual premiums.
Emergency CareYes. The NHS is the only provider of A&E services.No. For emergencies, you always go to the NHS.
GP ServicesYes. Your NHS GP is your primary point of contact.Usually, you still use your NHS GP for referrals. Some plans offer a private virtual GP.
Specialist AccessReferred by your GP; waiting lists apply.Referred by your GP; rapid access to specialists.
Hospital StayTypically in a shared ward.Private room with en-suite facilities (subject to availability).
Choice of SpecialistLimited choice of hospital and consultant.Greater choice of specialist and hospital from your insurer's approved list.
Cover FocusAll medical needs, including chronic conditions.Acute conditions that arise after your policy starts.

Essentially, you will always use the NHS for accidents and emergencies. You will also typically see your NHS GP first to get a diagnosis and a referral. From that point, your private health cover kicks in, allowing you to bypass the NHS queue for eligible specialist consultations, diagnostic tests, and treatment.

What Does Private Health Insurance for Builders Typically Cover?

A private health insurance policy is built in layers. You start with a core foundation and can add optional extras to tailor the cover to your specific needs and budget.

Core Cover: The Essentials

This is the foundation of every PMI policy and typically includes:

  • In-patient and day-patient treatment: This covers costs when you are admitted to a hospital for treatment that requires a bed, either overnight (in-patient) or just for the day (day-patient). This includes surgery, hospital accommodation, nursing care, and specialist fees.
  • Cancer Cover: This is a cornerstone of modern PMI. Most comprehensive policies offer extensive cover for the diagnosis and treatment of cancer, including access to specialist drugs and therapies that may not be available on the NHS.

Out-patient Cover: A Crucial Upgrade

This is often the most important component for a builder, as it covers the steps needed to diagnose a problem before you need surgery. It's usually offered in different levels:

  • Limited (illustrative): A set financial limit (e.g., £500 or £1,000) for consultations and diagnostic tests per year.
  • Full: No annual financial limit on the costs of diagnosing your condition.

Out-patient cover includes:

  1. Specialist Consultations: Seeing a consultant orthopaedic surgeon, a rheumatologist, or another specialist quickly.
  2. Diagnostic Tests: This is vital. It includes MRI scans, CT scans, X-rays, and blood tests to get to the root of the problem fast.
  3. Therapies: Post-operative physiotherapy to aid recovery.

Musculoskeletal (MSK) and Therapy Cover

Given the physical nature of building work, this is a non-negotiable consideration. Many insurers offer enhanced therapy options that cover:

  • Physiotherapy
  • Osteopathy
  • Chiropractic treatment

This cover can help manage strains, sprains, and back issues, potentially preventing a minor problem from becoming a major one that requires surgery.

Optional Extras to Consider

  • Mental Health Cover: The construction industry has a significant challenge with mental health. PMI can provide access to counsellors, therapists, and psychiatrists without a long wait.
  • Dental and Optical Cover: For routine check-ups, treatments, and eyewear.
  • Travel Insurance: Some policies allow you to add a travel insurance component.
  • Wellness and Rewards Programmes: Providers like Vitality are famous for rewarding healthy living with discounts and perks.

The Crucial Point: What PMI Does NOT Cover

This is the most important section to understand to avoid disappointment later. Standard UK private medical insurance is designed for acute conditions, not chronic or pre-existing ones.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. A broken bone, a hernia, or cataracts are examples.
  • Chronic Condition: An illness that cannot be cured but can be managed. Examples include diabetes, asthma, high blood pressure, and arthritis. The NHS will continue to manage these conditions.
  • Pre-existing Condition: Any illness, disease, or injury for which you have had symptoms, medication, advice, or treatment in the 5 years before your policy started.

Unless you have a specific type of policy, your PMI will not cover the routine management of chronic conditions or any pre-existing conditions you had before taking out the cover. The purpose of PMI is to diagnose and treat new eligible medical problems that arise after you join.

An expert broker like WeCovr can help you navigate these definitions and find a policy with underwriting that best suits your personal medical history.

How Much Does Private Health Insurance Cost for a Builder?

The cost of your premium is unique to you. Insurers calculate it based on several key factors:

  1. Age: Premiums increase as you get older because the statistical risk of needing treatment rises.
  2. Location: Treatment costs vary across the UK. London hospitals are generally more expensive, so policies covering them cost more.
  3. Level of Cover: A comprehensive policy with full out-patient cover, mental health, and therapies will cost more than a basic in-patient-only plan.
  4. Excess (illustrative): This is the amount you agree to pay towards any claim. A higher excess (e.g., £500) will lower your monthly premium. A £0 excess will increase it.
  5. Hospital List: Insurers have different lists of approved hospitals. A policy with a nationwide list including central London will be more expensive than one with a more restricted local list.
  6. Underwriting: The method used to assess your pre-existing conditions will also affect the price and cover.

Example Monthly Premiums for a Builder

The table below provides illustrative examples only. Your actual quote will depend on your individual circumstances. These figures are for a non-smoker seeking a mid-range policy with a £250 excess.

AgeLocation: ManchesterLocation: ReadingLocation: Central London
30£55 - £70£60 - £75£75 - £95
40£70 - £90£75 - £95£95 - £120
50£100 - £130£110 - £145£140 - £180

To get an accurate price based on your needs, you must get a personalised quote. A broker can compare the market for you in minutes.

Choosing the Right Underwriting for Your Policy

When you apply for PMI, the insurer will "underwrite" your policy. This is how they decide which pre-existing conditions to exclude. There are two main types:

1. Moratorium (Mori) Underwriting

This is the most common and simplest option.

  • How it works: You don't declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms, treatment, or advice for in the 5 years before the policy start date.
  • The "2-year rule": If you then go 2 continuous years on the policy without needing any treatment, advice, or medication for that condition, it may become eligible for cover.
  • Pros: Quick and easy application process.
  • Cons: There can be uncertainty about what's covered. A claim may be delayed while the insurer investigates your medical history.

2. Full Medical Underwriting (FMU)

This involves more paperwork at the start but provides total clarity.

  • How it works: You complete a detailed health questionnaire, declaring your full medical history. The insurer assesses this and tells you from day one exactly what is and isn't covered, with specific exclusions written into your policy documents.
  • Pros: Complete certainty. You know exactly where you stand from the beginning.
  • Cons: The application process is longer and more intrusive. The exclusions are usually permanent.

An advisor at WeCovr can discuss your health history with you and recommend the most suitable underwriting path.

Top UK Private Health Insurance Providers for Builders

The UK market is served by several excellent insurers, each with its own strengths. An independent broker is best placed to compare them, but here are some of the leading names:

ProviderKey Strengths for Builders
AXA HealthExcellent comprehensive cover, strong core product, and highly-rated customer service. Good guided options to keep costs down.
AvivaStrong cancer cover and a solid reputation. Their "Expert Select" option gives access to high-quality consultants at a competitive price.
BupaThe UK's best-known health insurer. Extensive hospital network and a wide range of cover options, including strong mental health pathways.
VitalityUnique approach that rewards a healthy lifestyle. If you're an active builder, you can earn points for walking and workouts, reducing your premium and unlocking rewards.
The ExeterA friendly society known for excellent customer service and a more personal approach. They are often competitive for older applicants and have clear policy wording.

This isn't an exhaustive list, and the "best" provider is the one that best matches your specific health needs and budget.

The Role of an Expert PMI Broker like WeCovr

Trying to compare these providers and their complex policies yourself can be overwhelming. This is where an independent broker adds huge value.

  • Whole-of-Market Advice: A broker isn't tied to one insurer. We can compare policies from across the market to find the best fit for you.
  • Expert Guidance: We understand the jargon and the small print. We can explain the differences between policies and help you choose the right level of out-patient cover, hospital list, and underwriting.
  • No Extra Cost: Our service is free to you. We are paid a commission by the insurer you choose, which is already built into the premium. You pay the same price (or often less) than going direct.
  • Ongoing Support: We are here to help you at renewal or if you need to make a claim.

WeCovr is an FCA-authorised broker with high customer satisfaction ratings and years of experience. We take the time to understand the unique needs of tradespeople like you.

As a WeCovr client, you also get complimentary access to our AI-powered nutrition app, CalorieHero, to help you manage your diet and energy levels. Furthermore, clients who purchase PMI or life insurance through us are eligible for discounts on other types of cover, like income protection or critical illness insurance.

Wellness and Health Tips for Builders

Your best insurance policy is a healthy lifestyle. Here are some practical tips for staying fit and injury-free on the job.

1. Protect Your Back and Joints

  • Lift Smart: Always bend at your knees, not your waist. Keep the load close to your body. If it's too heavy, get help or use lifting equipment.
  • Warm-Up: Don't go from 0 to 100. A few minutes of stretching your back, shoulders, and hamstrings before starting work can prevent muscle strains.
  • Regular Stretching: After a long day, gentle stretches can relieve muscle tension and improve flexibility. Focus on your lower back, hips, and shoulders.

2. Nutrition for a Physical Job

Your body is a machine that needs the right fuel.

  • Prioritise Protein: Protein is essential for muscle repair and growth. Include sources like chicken, eggs, fish, beans, or a quality protein shake in your meals.
  • Complex Carbs for Energy: Swap white bread and sugary snacks for slow-release energy sources like wholemeal bread, oats (porridge), brown rice, and sweet potatoes.
  • Hydrate, Hydrate, Hydrate: Dehydration can cause fatigue, headaches, and a loss of strength. Aim to drink at least 2-3 litres of water throughout the day, more in hot weather.

3. Manage Stress and Mental Wellbeing

The pressures of running a business, meeting deadlines, and the physical toll of the work can impact your mental health.

  • Talk About It: The stigma around mental health in construction is changing. Talk to your partner, a friend, or a colleague. Many charities offer free support helplines.
  • Get Enough Sleep: Sleep is when your body repairs itself. Aim for 7-8 hours of quality sleep per night. It's critical for muscle recovery, mental clarity, and decision-making on site.
  • Switch Off: Make time for hobbies and activities outside of work. It’s vital to give your mind and body a complete break.

Making a Claim: A Step-by-Step Guide

The claims process is more straightforward than you might think.

  1. Visit Your GP: Your first port of call is usually your NHS GP. They will assess your symptoms and, if necessary, provide you with an 'open referral' to see a specialist.
  2. Contact Your Insurer: Call your insurer's claims line with your policy number and referral details. They will check your cover and provide a pre-authorisation number.
  3. Choose Your Specialist: Your insurer will provide a list of approved specialists and hospitals in your area. You can then book your appointment.
  4. Receive Treatment: Attend your consultation, scans, or surgery.
  5. Bills are Settled: The hospital and specialist will bill your insurer directly. You only need to pay your chosen excess (if any).

Frequently Asked Questions (FAQs)

As a self-employed builder, can I claim private health insurance as a business expense?

For sole traders and partnerships, private medical insurance is generally considered a personal expense and is not tax-deductible. However, if you operate as a limited company, the company can pay for your PMI premium, and this is typically an allowable business expense. It would, however, be treated as a 'benefit in kind' for you personally, meaning you would have to pay some income tax on the value of the benefit. It's always best to speak with your accountant for advice specific to your business structure.

I have an old back injury from a few years ago. Can I get cover for it?

Generally, standard private health insurance policies exclude pre-existing conditions. An old back injury for which you have received treatment or advice in the last 5 years would be excluded at the start of the policy. If you chose moratorium underwriting and remain free of any symptoms, treatment, or advice for that back injury for a continuous 2-year period after your policy starts, it may become eligible for cover in the future. With full medical underwriting, it would likely be a permanent exclusion.

Can I add my family to my private health insurance policy?

Yes, absolutely. Most UK private health insurance providers allow you to add your partner and children to your policy. While this will increase the premium, it is often more convenient and sometimes cheaper than taking out separate individual policies for each family member. It gives you peace of mind that your loved ones can also access fast medical treatment when they need it.

Get Your Personalised Health Insurance Quote Today

Your health is your most valuable asset. For a builder, it is your livelihood. Don't let an unexpected injury or illness put your finances and future at risk.

Take the first step towards protecting yourself. Contact WeCovr today for a free, no-obligation quote. Our expert advisors will compare the UK's leading insurers to find the right cover for your needs and budget, ensuring you can get back on the tools as quickly as possible.

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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