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Private Health Insurance for CFOs 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 demands of executive life. This guide explores private medical insurance in the UK for Chief Financial Officers, detailing how premium cover can protect your health and, by extension, your organisation's financial stability. Executive-level PMI for financial directors and officers Private Medical Insurance (PMI) is not a one-size-fits-all product.

Key takeaways

  • Rapid Access: Minimising downtime by getting appointments and diagnostics within days, not months.
  • Maximum Choice: Selecting the specialist, consultant, and hospital that best suits your needs and schedule.
  • Comprehensive Cover: Ensuring a wider range of conditions and treatments are included, especially those prevalent among high-stress professionals.
  • Global Options: Providing peace of mind during international business travel.
  • Limited Benefits: Group schemes are often designed to a budget, which can mean caps on outpatient consultations, restricted hospital lists, or less comprehensive mental health support.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the unique demands of executive life. This guide explores private medical insurance in the UK for Chief Financial Officers, detailing how premium cover can protect your health and, by extension, your organisation's financial stability.

Executive-level PMI for financial directors and officers

Private Medical Insurance (PMI) is not a one-size-fits-all product. For a Chief Financial Officer (CFO), whose personal well-being is intrinsically linked to their company's fiscal health and strategic direction, a standard policy often falls short. Executive-level PMI is a specialised tier of private health cover designed for senior leaders, offering a more comprehensive, flexible, and responsive service.

Think of it as the difference between a standard company car and a chauffeur-driven executive vehicle. Both get you from A to B, but one is designed for optimal performance, efficiency, and comfort, allowing you to focus on what truly matters.

For a CFO, this means:

  • Rapid Access: Minimising downtime by getting appointments and diagnostics within days, not months.
  • Maximum Choice: Selecting the specialist, consultant, and hospital that best suits your needs and schedule.
  • Comprehensive Cover: Ensuring a wider range of conditions and treatments are included, especially those prevalent among high-stress professionals.
  • Global Options: Providing peace of mind during international business travel.

In your role, time lost to illness or uncertainty is a significant liability. Executive PMI is a strategic tool to mitigate that risk.

Why CFOs Need More Than Standard Company Health Insurance

The role of a modern CFO extends far beyond balancing the books. You are a strategic partner to the CEO, a risk manager, a technology advocate, and a leader responsible for the financial resilience of your entire organisation. This immense pressure carries significant health implications.

According to the UK's Health and Safety Executive (HSE) 2023 statistics, stress, depression, or anxiety accounted for a staggering 17.1 million working days lost. Roles with high levels of responsibility are often at the epicentre of this issue.

Here’s why a standard group policy may not be enough for a CFO:

  • Limited Benefits: Group schemes are often designed to a budget, which can mean caps on outpatient consultations, restricted hospital lists, or less comprehensive mental health support.
  • Lack of Personalisation: A group policy is built for the "average" employee. It likely won't include the executive-level perks like annual health screenings, international cover, or extensive preventative care programmes that are vital for a senior leader.
  • Potential for Disruption: A standard policy might require you to use a hospital or clinic that is inconvenient, causing more disruption to your work and personal life. Executive plans offer nationwide or even London-only lists of premium facilities.
  • Mental Health Gaps: While awareness is growing, many standard policies offer limited psychiatric or therapy sessions. Given the high-stress nature of a CFO's role, robust and readily accessible mental health support is non-negotiable.

Your personal health is a critical business asset. Just as you insure key physical assets, insuring your own rapid return to health is a logical and financially prudent decision.

Understanding the UK Healthcare Landscape for Executives in 2025

To appreciate the value of private medical insurance, it's essential to understand the context of UK healthcare today. The National Health Service (NHS) is a world-class institution and a source of national pride, but it is under unprecedented strain.

As of early 2024, the NHS England waiting list for consultant-led elective care stood at around 7.54 million treatment pathways. This figure represents millions of individuals waiting for procedures like hip replacements, cataract surgery, and hernia repairs. For a CFO, a long wait isn't just an inconvenience; it can mean months of pain, reduced mobility, and impaired cognitive function, directly impacting your ability to lead effectively.

Key Statistics for Context:

  • Waiting Times: The NHS constitution states a right to start treatment within 18 weeks from referral. However, in reality, hundreds of thousands of patients wait significantly longer.
  • Diagnostic Delays: Waiting for scans like an MRI or CT can be a source of immense anxiety and delay crucial treatment decisions.
  • GP Access: While improving, getting a timely GP appointment can still be challenging, delaying the initial referral that starts the treatment clock.

Private health cover acts as a parallel system. It doesn't replace the NHS – which remains the best place for accidents and emergencies – but it provides a fast-track alternative for planned, acute conditions. For an executive, this means taking control of your healthcare timeline and ensuring health issues are resolved with minimal impact on your professional responsibilities.

Key Features of a Premium Private Health Insurance Policy for a CFO

When selecting a PMI policy, you're not just buying a product; you're investing in peace of mind and continuity. For a CFO, the details matter. Here are the core components of a top-tier executive health insurance plan.

Comprehensive Cancer Cover

This is often the cornerstone of any premium policy. Look for plans that offer:

  • Full cover for chemotherapy, radiotherapy, and surgical procedures.
  • Access to new and experimental drugs and treatments not yet available on the NHS.
  • Choice of specialist cancer hospitals and oncologists.
  • Services like home chemotherapy, cash options if you opt for NHS treatment, and support for wigs and prostheses.

Mental Health Support

Given the high-pressure environment of C-suite roles, this is critical. A superior policy will include:

  • Extensive therapy sessions: Cover for a significant number of sessions with psychologists or psychiatrists, not just a handful.
  • In-patient and day-patient care: Cover for residential treatment for conditions like stress, anxiety, and depression.
  • Discreet access: Digital GP services and mental health support lines that can be accessed 24/7 from anywhere.

Rapid Diagnostics and Consultations

The primary advantage of PMI is speed. Your policy should offer:

  • No annual limit on outpatient consultations: Allowing you to see as many specialists as needed to get the right diagnosis.
  • Immediate access to scans: Cover for MRI, CT, and PET scans without long waits.
  • Digital GP services: 24/7 access to a GP via phone or video call, often with the ability to get an immediate referral.

Choice of Hospitals and Specialists

Flexibility is key for a busy executive. Look for:

  • Extensive hospital lists: The ability to choose from a nationwide network of high-quality private hospitals, including premier facilities in central London (e.g., The London Clinic, The Lister Hospital).
  • Consultant choice: The freedom to select the specialist you want to see based on their reputation and expertise.

Wellness and Preventative Care Programmes

The best insurance is not needing to use it. Modern providers incentivise healthy living.

  • Health screenings: Comprehensive annual health checks to proactively monitor key metrics like cholesterol, blood pressure, and cancer risk markers.
  • Wellness rewards: Discounts on gym memberships, fitness trackers, and healthy food. Some providers, like Vitality, build their entire model around this.
  • Complimentary Apps: As a WeCovr client, you receive complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, helping you maintain a healthy diet.

International Cover Options

For CFOs who travel frequently for business, this is essential.

  • Emergency overseas cover: Ensures you are covered for medical emergencies while abroad.
  • Full international plans: More comprehensive options that provide health cover for executives living or working abroad for extended periods.

Critical Note: What Private Health Insurance Does Not Cover

It is vital to be clear on the limitations of private medical insurance in the UK. PMI is designed to cover acute conditions that arise after you take out the 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 joint injury, cataracts, a hernia).
  • Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, it has no known cure, it is likely to recur, or it requires palliative care (e.g., diabetes, asthma, high blood pressure).
  • Pre-existing Conditions: Any illness or injury you had symptoms of, or received advice or treatment for, in the years before your policy began.

Standard UK PMI policies do not cover chronic or pre-existing conditions. The system is designed to complement the NHS, which provides ongoing management for chronic illnesses.

Comparing Top UK Private Health Insurance Providers for Executives

Choosing the right provider depends on your individual priorities. While an expert broker like WeCovr can provide a tailored comparison at no cost to you, this table offers a general overview of the market's leading players and their executive-level offerings.

ProviderKey Strengths for ExecutivesPotential Considerations
BupaExtensive network of hospitals and clinics, strong brand recognition, comprehensive cancer cover, and direct access to services without a GP referral for certain conditions.Can be one of the more premium-priced options.
AXA HealthExcellent mental health pathways (Stronger Minds), access to a 24/7 digital GP service (Doctor at Hand), and a guided option (Fast Track Appointments) to streamline care.Hospital list tiers can be complex; ensure you select the right one.
AvivaStrong "Expert Select" hospital list, good digital integration, and often competitive on price. Their "BacktoBetter" programme for musculoskeletal issues is highly regarded.Standard mental health cover may need to be enhanced with add-ons.
VitalityUnique wellness-focused model that rewards healthy living with premium discounts, Apple Watches, and other perks. Highly engaging for proactive individuals.The rewards programme requires active participation to realise the full value. May not suit everyone.

This is a simplified overview. The "best" PMI provider is the one whose policy features, hospital network, and service philosophy align perfectly with your personal and professional needs.

How Underwriting Affects Your CFO Health Insurance Policy

Underwriting is the process an insurer uses to assess risk and decide whether to offer you cover, and on what terms. For PMI, it primarily relates to how they handle your pre-existing conditions. Understanding this is crucial for making an informed choice.

There are two main types:

1. Moratorium Underwriting

This is the most common type. It's simpler and quicker to set up as you don't need to provide a full medical history upfront.

  • How it works: The policy automatically excludes any pre-existing conditions you've had in the last 5 years. However, if you remain completely free of symptoms, treatment, and advice for that condition for a continuous 2-year period after your policy starts, the exclusion may be lifted.
  • Pros: Quick application process, no initial medical questionnaires.
  • Cons: Lack of certainty. You might not know if a condition is covered until you make a claim, which can lead to delays and disappointment.

2. Full Medical Underwriting (FMU)

This method involves a more detailed application process but provides greater clarity from the outset.

  • How it works: You complete a full health questionnaire, declaring your medical history. The insurer assesses this information and tells you exactly what is and isn't covered from day one. Any exclusions are clearly stated in your policy documents.
  • Pros: Complete clarity and certainty about what is covered. No surprises at the point of a claim.
  • Cons: A longer application process. Pre-existing conditions will be permanently excluded (unless the insurer specifically agrees to cover them, which is rare).

For a busy CFO who values certainty and risk management, Full Medical Underwriting is often the preferred choice. It aligns with a financial mindset: know your exposures upfront and eliminate ambiguity.

The Financial Case for Executive PMI: A CFO's Perspective

As a CFO, you evaluate every expenditure through the lens of risk, return, and value. Private health insurance should be no different. The cost of a premium policy is not an expense; it's a strategic investment in continuity for both you and your business.

1. The Cost of Downtime: What is the financial impact on your organisation if you are unable to work at full capacity for 3, 6, or 9 months while awaiting NHS treatment? Consider the delays to strategic projects, M&A activity, fundraising, or critical financial reporting. The cost of a PMI policy is a fraction of the value lost during such an extended absence.

2. The ROI of Preventative Health: Premium PMI policies include benefits like advanced health screenings. Proactively identifying a risk factor like high cholesterol or a pre-cancerous lesion allows for early, low-cost intervention. This prevents a far more serious—and costly—health event down the line. The return on investment is a longer, healthier, and more productive career.

3. Tax Implications:

  • Personal Policy: If you pay for the policy yourself from your post-tax income, any benefits you receive are tax-free.
  • Company Policy: If your company pays for your policy, it is considered a 'benefit in kind'. This means you will have to pay income tax on the value of the premium, and the company will have to pay Class 1A National Insurance contributions. The company can, however, typically treat the premium cost as an allowable business expense for corporation tax purposes.

A specialist broker can help you and your company navigate these options to find the most efficient structure.

4. Mitigating "Key Person" Risk: You are a "key person" in your organisation. Just as businesses take out key person life insurance, executive health insurance serves a similar purpose for non-fatal but debilitating illnesses. It ensures the business's financial leadership is restored to full health and capacity as quickly as possible.

Beyond Insurance: The WeCovr Advantage for Financial Leaders

Navigating the private medical insurance market can be complex. As an independent and FCA-authorised broker, WeCovr acts as your expert partner, simplifying the process and ensuring you get the best possible cover for your needs. We are proud of our high customer satisfaction ratings, which reflect our commitment to service.

Here’s how we add value for executives like you:

  • Expert, Impartial Advice: We are not tied to any single insurer. Our specialists provide an unbiased comparison of the entire market, explaining the subtle but important differences between policies.
  • No Cost to You: Our service is free for our clients. We are paid a commission by the insurer you choose, which is already built into the premium. You get expert guidance without any extra fees.
  • Tailored Solutions: We take the time to understand your specific health priorities, lifestyle, and budget to recommend the policy that offers the best value and protection for you and your family.
  • Exclusive Benefits: When you arrange your health or life insurance through WeCovr, you gain complimentary access to CalorieHero, our advanced AI nutrition app, to support your wellness goals. Furthermore, our clients often benefit from discounts on other types of cover, such as life insurance or income protection.
  • Hassle-Free Process: We handle the paperwork and liaise with insurers on your behalf, saving you valuable time.

Practical Health and Wellness Tips for Busy CFOs

Your PMI policy is your safety net, but proactive health management is your first line of defence. Here are some practical tips for thriving in a high-demand role.

Managing Stress and Preventing Burnout

  • Schedule 'Off' Time: Block out time in your diary for family, hobbies, and relaxation with the same discipline you apply to board meetings.
  • Mindfulness and Breathing: Even 5-10 minutes of a mindfulness app (like Calm or Headspace) or simple box breathing can lower cortisol levels and improve focus.
  • Delegate and Empower: Trust your team. Effective delegation is not just a management skill; it's a personal stress-reduction strategy.

Nutrition for Peak Cognitive Performance

  • Avoid Sugar Spikes: Base your meals around protein, healthy fats, and complex carbohydrates (e.g., salmon with quinoa and avocado) to maintain stable energy levels.
  • Hydrate: Dehydration can impair concentration and cause headaches. Keep a water bottle on your desk at all times.
  • Limit Caffeine After 2 PM: Caffeine has a long half-life and can significantly disrupt sleep quality, which is essential for memory consolidation and decision-making.

Incorporating Physical Activity

  • 'Exercise Snacking': You don't need a 90-minute gym session. Break activity into 10-15 minute "snacks" throughout the day – a brisk walk at lunch, taking the stairs, or a few bodyweight exercises in the morning.
  • Active Meetings: Consider taking one-to-one calls while walking.
  • Weekend Warrior: Plan longer, more enjoyable activities for the weekend, like a hike, a bike ride, or a round of golf.

The Importance of Sleep

Aim for 7-9 hours of quality sleep per night. It is the most powerful performance-enhancing activity available. Improve your sleep hygiene by:

  • Maintaining a consistent sleep/wake cycle.
  • Creating a cool, dark, and quiet bedroom environment.
  • Avoiding screens (phones, tablets, TV) for at least an hour before bed.

Frequently Asked Questions (FAQs) for CFOs

What is the difference between a company group policy and a personal executive policy?

A company group policy is designed for a broad workforce and often has standardised benefits and hospital lists to manage costs. A personal executive policy is tailored to an individual, typically offering more comprehensive benefits, higher limits, a wider choice of hospitals, and enhanced features like extensive mental health support and preventative wellness screenings. It provides a higher tier of service and flexibility suited to the needs of a senior leader.

Can I add my family to my executive health insurance plan?

Yes, virtually all UK private medical insurance providers allow you to add your partner and dependent children to your policy. This is often more cost-effective than arranging separate policies for each family member. Adding family members will increase the premium, but it ensures everyone has access to the same high level of private healthcare.

Does private health insurance cover pre-existing or chronic conditions?

No, this is a critical exclusion for standard private medical insurance in the UK. Policies are designed to cover new, acute conditions that arise after your policy begins. Chronic conditions (like diabetes or asthma) and pre-existing conditions (illnesses you had before taking out cover) are not covered. The NHS continues to provide care for these long-term conditions.

How much does executive-level private medical insurance cost in the UK?

The cost varies significantly based on factors like your age, location, the level of cover chosen (e.g., hospital list, outpatient limits), and your medical history. A policy for a 45-year-old executive could range from £100 to over £300 per month. The best way to get an accurate figure is to get a tailored quote from a broker who can compare the market for you.

Ready to secure your health and protect your most valuable asset?

Take the first step towards robust, executive-level health cover. Contact WeCovr today for a free, no-obligation quote and a confidential discussion with one of our PMI specialists. Let us handle the details, so you can focus on leading with confidence.

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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