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Private Health Insurance for Company Directors in the UK

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

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the unique needs of UK business leaders. This guide explores how company directors can secure tax-efficient private medical insurance, protecting both their health and their business's bottom line. Tax-efficient PMI options for business leaders As a company director, you are your business's most valuable asset.

Key takeaways

  • Record High Waiting Lists: According to NHS England, the waiting list for routine hospital treatment stood at around 7.54 million cases in April 2024. While this is a slight decrease from the peak, it remains significantly higher than pre-pandemic levels.
  • Long Waits for Treatment: Of those on the list, a significant number face extended waits. In April 2024, an estimated 3.23 million patients had been waiting more than 18 weeks, and over 200,000 had been waiting for more than a year for treatment to begin.
  • Minimising Downtime: Faster access to diagnostics like MRI and CT scans, consultations, and surgery means you spend less time waiting and more time leading your company.
  • Control and Flexibility: PMI gives you more control over when and where you are treated. You can schedule appointments and procedures around critical business commitments.
  • Access to Specialist Care: Gain access to a wider network of specialists and the latest medical technologies, ensuring you receive high-quality care.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the unique needs of UK business leaders. This guide explores how company directors can secure tax-efficient private medical insurance, protecting both their health and their business's bottom line.

Tax-efficient PMI options for business leaders

As a company director, you are your business's most valuable asset. Your health directly impacts strategic decisions, operational stability, and long-term growth. While the NHS provides an essential service, lengthy waiting times for non-urgent procedures can pose a significant risk to business continuity. This is where private medical insurance (PMI) becomes a powerful tool, not just for your health, but as a smart, tax-efficient business strategy.

Company-paid health insurance allows you to bypass NHS queues for eligible conditions, receive prompt treatment in a private facility, and get back to running your business faster. Crucially, when structured correctly, the policy premiums can be treated as a legitimate business expense, offering valuable tax relief for your company.

Why Should Company Directors Consider Private Health Insurance?

The decision to invest in private health cover is driven by a combination of personal well-being and sound business logic. For a director, any period of illness or incapacitation has a direct and often immediate impact on the company.

The Challenge of NHS Waiting Lists

The NHS is a national treasure, but it's currently under immense pressure. Recent data highlights the scale of the challenge:

  • Record High Waiting Lists: According to NHS England, the waiting list for routine hospital treatment stood at around 7.54 million cases in April 2024. While this is a slight decrease from the peak, it remains significantly higher than pre-pandemic levels.
  • Long Waits for Treatment: Of those on the list, a significant number face extended waits. In April 2024, an estimated 3.23 million patients had been waiting more than 18 weeks, and over 200,000 had been waiting for more than a year for treatment to begin.

These aren't just statistics; they represent weeks and months of potential pain, uncertainty, and reduced productivity for individuals—a scenario a busy company director can ill afford.

The Business Case for PMI

  1. Minimising Downtime: Faster access to diagnostics like MRI and CT scans, consultations, and surgery means you spend less time waiting and more time leading your company.
  2. Control and Flexibility: PMI gives you more control over when and where you are treated. You can schedule appointments and procedures around critical business commitments.
  3. Access to Specialist Care: Gain access to a wider network of specialists and the latest medical technologies, ensuring you receive high-quality care.
  4. Enhanced Well-being: Many modern PMI policies include proactive wellness benefits, such as 24/7 digital GP access, mental health support, and discounts on gym memberships, helping you stay healthy in the first place.
  5. A Powerful Recruitment and Retention Tool: Offering PMI as part of a director's package demonstrates that the company values its leadership. It can also be extended to cover key employees, making your business a more attractive place to work.

How Does Business Health Insurance Work for a Director?

The mechanics of a company-paid PMI policy for a director are straightforward.

  1. The Company Pays: Your limited company pays the monthly or annual insurance premiums directly to the insurer.
  2. It's a Business Expense: The premium cost is treated as an allowable business expense, much like professional fees or software subscriptions.
  3. The Director is the Beneficiary: You (and your family, if included) are the ones who can use the policy to access private healthcare.
  4. It's a "Benefit in Kind": Because the company is paying for a personal benefit, HMRC classifies it as a 'Benefit in Kind' (BIK). This has tax implications for both the company and the director, which we will explore in detail next.

This structure allows the business to absorb the primary cost while providing a highly valuable perk to its key decision-maker.

The Key Tax Implications of Director Health Insurance

Understanding the tax treatment is essential to appreciating the full value of a director's PMI policy. It's a two-sided coin: a saving for the company and a small tax liability for the director.

For the Company: Corporation Tax Relief

When a limited company pays for its director's health insurance, the premiums are generally considered a "wholly and exclusively" for business purposes expense. This means the full cost of the premium can be offset against the company's profits, reducing its overall Corporation Tax bill.

  • Main Rate of Corporation Tax: As of April 2024, the main rate is 25%.
  • Small Profits Rate (illustrative): Companies with profits of £50,000 or less pay 19%.

Example: If your company's annual PMI premium is £1,500 and your company pays the main rate of Corporation Tax, it can claim relief of £375 (£1,500 x 25%). This effectively reduces the net cost of the policy to the company to just £1,125.

For the Director: Benefit in Kind (BIK) Tax

Because you are receiving a personal benefit paid for by your company, you must pay tax on it.

  • P11D Form: The value of the health insurance premium is reported by your company to HMRC on a P11D form at the end of the tax year.
  • Income Tax: This value is added to your total income for the year, and you pay Income Tax on it at your highest marginal rate (e.g., 20%, 40%, or 45%).
  • Employer's National Insurance: The company must also pay Class 1A National Insurance Contributions (NICs) on the value of the benefit. The rate for the 2024/25 tax year is 13.8%.

A Worked Example: Putting It All Together

Let's see how this works in practice for a director who is a higher-rate taxpayer (40%).

DescriptionCalculationValue
Annual PMI Premium Paid by Company--£1,500
Corporation Tax Relief (at 25%)£1,500 x 25%+£375
Employer's Class 1A NICs (at 13.8%)£1,500 x 13.8%-£207
Total Net Cost to the Company-£1,500 + £375 - £207-£1,332
---------
Benefit in Kind (BIK) for DirectorValue of the premium£1,500
Income Tax Paid by Director (at 40%)£1,500 x 40%-£600

Summary:

  • Illustrative estimate: The company's net cost for a £1,500 policy is £1,332 for the year.
  • Illustrative estimate: The director pays £600 in tax for the year (£50 per month) to receive private medical cover.

When you compare the director's £600 annual tax cost to the £1,500 it would cost to buy the same policy personally from post-tax income, the tax efficiency is clear. To pay £1,500 personally, a higher-rate taxpayer would need to earn £2,500 before tax. (illustrative estimate)

What Does a Typical PMI Policy for a Director Cover?

It is vital to understand that standard UK private medical insurance is designed to cover acute conditions that arise after your policy begins.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., joint replacement, cataract surgery, hernia repair).
  • Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, has no known cure, is likely to recur, or requires ongoing management (e.g., diabetes, asthma, high blood pressure).

PMI does not cover pre-existing conditions or chronic conditions. Management of chronic illnesses will typically remain with the NHS.

Here’s a breakdown of what is usually included and excluded:

FeatureCoverage Details
In-patient & Day-patient TreatmentCovered. This includes hospital costs like a private room, nursing care, surgeon fees, and anaesthetist fees when you are admitted to hospital.
Out-patient Consultations & DiagnosticsOften Covered (up to a limit). This pays for appointments with specialists and diagnostic tests like MRI, CT, and PET scans before you are admitted to hospital. Policies have varying limits, from a few hundred pounds to unlimited.
Cancer CareComprehensive Cover. Most policies offer extensive cancer cover, including chemotherapy, radiotherapy, and surgery. This is a core feature of PMI.
Mental Health SupportIncreasingly Covered. Many policies now include cover for out-patient consultations and in-patient treatment for acute mental health episodes.
TherapiesOften Covered (with limits). This includes physiotherapy, osteopathy, and chiropractic treatment, usually following a specialist referral.
Pre-existing ConditionsNot Covered. Any condition you had symptoms of, or received treatment for, before the policy started is excluded (typically for a set period).
Chronic ConditionsNot Covered. Ongoing management of long-term conditions like diabetes or arthritis is excluded.
Emergency TreatmentNot Covered. You should always go to A&E for emergencies. PMI is for planned, non-emergency care.
Normal Pregnancy & ChildbirthNot Covered. However, complications arising during pregnancy may be covered by some policies.
Cosmetic SurgeryNot Covered. Procedures chosen for aesthetic reasons are excluded, unless required for reconstructive purposes after an accident or eligible surgery.

Choosing the Right Level of Cover: Key Policy Options Explained

Customising your policy is key to balancing comprehensive cover with a manageable premium. An expert PMI broker like WeCovr can guide you through these choices to find the perfect fit.

1. Underwriting Type

This is how the insurer assesses your medical history to decide what to cover.

  • Moratorium Underwriting: This is the most common type. You don't declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms of, or received treatment for, in the 5 years before your policy starts. If you then go 2 continuous years on the policy without any symptoms, advice, or treatment for that condition, it may become eligible for cover. It's simple and fast but can lead to uncertainty at the point of claim.
  • Full Medical Underwriting (FMU): You complete a detailed health questionnaire when you apply. The insurer reviews your medical history and tells you from day one precisely what is and isn't covered. It takes longer to set up but provides complete clarity from the start.

2. Hospital List

Insurers use tiered hospital networks to manage costs.

  • Local/Regional Lists: Restrict you to a specific list of hospitals, often excluding expensive central London centres. This is a great way to reduce your premium if you're happy with the hospitals near you.
  • National Lists: Give you access to a wide range of private hospitals across the UK, sometimes with a few high-end London hospitals excluded.
  • Premium/London Lists: Provide unrestricted access to all participating hospitals, including the prestigious HCA facilities in central London.

3. Policy Excess

An excess is a fixed amount you agree to pay towards the cost of a claim each year. For example, if you have a £250 excess and your first claim of the year is for a £3,000 procedure, you pay the first £250 and the insurer pays the remaining £2,750.

Choosing a higher excess (e.g., £250, £500, or £1,000) will significantly reduce your monthly premium. (illustrative estimate)

4. Out-patient Cover Level

This is a common area to adjust to control costs. Options typically range from:

  • Nil out-patient cover: You would rely on the NHS for diagnosis and then use your PMI for any subsequent in-patient treatment.
  • Limited cover: A fixed financial limit per year (e.g., £500, £1,000, £1,500).
  • Full cover: No financial limit on eligible out-patient consultations and diagnostics.

5. Optional Extras

Most providers allow you to add benefits for an extra premium:

  • Dental & Optical: Cover for routine check-ups, treatments, and new glasses/contact lenses.
  • Enhanced Therapies: Higher limits or broader access to physiotherapists, osteopaths, and other specialists.
  • Worldwide Travel Cover: Integrates travel insurance with your health policy.

How Much Does Private Health Insurance for a Director Cost?

The cost of a director's PMI policy varies widely based on several key factors:

  • Age: Premiums increase with age as the statistical risk of needing treatment rises.
  • Location: Cover is generally more expensive in London and the South East due to higher hospital costs.
  • Level of Cover: A comprehensive policy with a top-tier hospital list and full out-patient cover will cost more than a basic plan.
  • Excess: A higher excess leads to a lower premium.
  • Smoker Status: Smokers typically pay more than non-smokers.

To give you an idea, here are some illustrative monthly premium examples for a non-smoking director.

Director ProfileMid-Range Policy (National Hospitals, £1,000 Out-patient, £250 Excess)Comprehensive Policy (Full Hospital List, Unlimited Out-patient, £100 Excess)
40-year-old in Manchester£65 - £85£110 - £140
50-year-old in Manchester£90 - £115£150 - £190
40-year-old in London£80 - £100£140 - £175
50-year-old in London£110 - £140£190 - £240

Disclaimer: These are illustrative prices for 2025 and can vary significantly between insurers and based on individual circumstances. For an accurate quote, it's best to speak with a specialist broker.

The WeCovr Advantage: Why Choose an Expert Broker?

Navigating the private medical insurance UK market can be complex. The terminology is confusing, and policies from different providers can have subtle but important differences. This is where an independent, specialist broker like WeCovr adds immense value.

  1. Whole-of-Market Advice: We are not tied to any single insurer. We compare policies from all the leading UK providers, including Bupa, AXA Health, Aviva, and Vitality, to find the one that best suits your needs and budget.
  2. Expert Guidance: Our FCA-authorised advisors are experts in business health insurance. We explain the tax implications, help you decipher the jargon, and tailor a policy that provides the right protection for you as a director.
  3. No Cost to You: Our service is completely free for you to use. We receive a commission from the insurer you choose, which is already built into the premium, so you don't pay a penny extra for our expert advice.
  4. Hassle-Free Process: We handle the paperwork and application process, saving you valuable time. We have helped arrange over 900,000 policies of various types and have a proven track record of high customer satisfaction.
  5. Exclusive Perks: When you arrange your PMI with WeCovr, you gain complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, helping you manage your health proactively. Furthermore, clients who purchase PMI or life insurance often receive discounts on other types of cover, such as home or business insurance.

Beyond Treatment: The Wellness Benefits of Modern PMI

Today's best PMI providers offer more than just access to treatment. They provide a suite of tools and resources designed to help you and your employees stay healthy and productive. As a director, these benefits can be invaluable for maintaining your own well-being and fostering a healthy company culture.

  • Digital GP Services: Access a GP via video call or phone 24/7, often with same-day appointments available. This is perfect for getting quick advice, prescriptions, or referrals without leaving your office.
  • Mental Health Support: Many policies include access to telephone counselling helplines or a set number of therapy sessions without needing a GP referral, providing discreet and immediate support.
  • Fitness & Wellness Rewards: Insurers like Vitality incentivise healthy living with rewards like discounted gym memberships, free cinema tickets, and coffee for tracking your physical activity.
  • Health and Diet Support: Take advantage of online health assessments, nutritional advice, and programmes to help you stop smoking or manage your weight. These tools, combined with apps like WeCovr's CalorieHero, empower you to take control of your long-term health.

Investing in your health isn't just about managing illness; it's about optimising your performance. A good diet, regular exercise, and sufficient sleep are the foundations of effective leadership. A comprehensive PMI policy supports all these pillars.

Can I add my family to my director's health insurance policy?

Yes, you can almost always add your spouse, partner, and dependent children to your company-paid health insurance policy. The entire premium paid by the company, for both you and your family, will be treated as a business expense. The full premium amount will also be considered a Benefit in Kind (BIK) for you, meaning you will pay income tax on the total value of the cover provided.

Is director's health insurance a tax-deductible expense in the UK?

Generally, yes. The premiums your limited company pays for a director's private medical insurance are typically considered an allowable business expense. This means the cost can be deducted from the company's profits, reducing its Corporation Tax liability. However, the premium is also treated as a taxable Benefit in Kind for the director, who will need to pay income tax on the value, and the company will pay Class 1A National Insurance on it.

What happens to my private health cover if I leave the company?

If you leave the company that is paying for your health insurance, the cover will cease. However, most insurers will offer you the option to continue the policy on a personal basis, without the need for new medical underwriting. This is a significant benefit as it means any conditions that became eligible for cover during your time on the company policy will remain covered. You would simply take over paying the premiums personally from your post-tax income.

Does private medical insurance cover pre-existing conditions?

No, standard private medical insurance in the UK does not cover pre-existing conditions. A pre-existing condition is any illness or injury for which you have experienced symptoms, received medication, or sought advice before your policy started. PMI is designed to cover new, acute conditions that arise after you join. Some policies may cover a pre-existing condition if you remain symptom-free for a continuous two-year period after your policy starts (known as moratorium underwriting).

Protecting your health is one of the most important investments you can make for your business. A tax-efficient private health insurance policy provides peace of mind, fast access to care, and a clear financial benefit for your company.

Ready to explore your options? Contact the friendly experts at WeCovr today. We'll compare the market for you, provide a free, no-obligation quote, and help you find the perfect private health cover for your needs.

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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