WeCovr.

Private Health Insurance for Conservators in the UK

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
📚 Recommended reads

Best Private Health Insurance UK 2026

Read

Average Cost of PMI (UK)

Read

PMI Provider Reviews

Read



Watch this on a dedicated video page
Scroll for the full guide
↓

TL;DR

As an expert in the preservation of priceless art and artefacts, you understand the value of specialist care. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we believe your health deserves the same meticulous attention. This guide explores private medical insurance in the UK, designed for the unique needs of conservators.

Key takeaways

  • Common Issues: Carpal tunnel syndrome, tenosynovitis, bursitis, and chronic back, neck, and shoulder pain are prevalent. Holding tools in fixed positions, working at awkward angles, and performing delicate, repetitive movements for hours are primary causes.
  • PMI Solution: A good policy provides fast access to physiotherapy, osteopathy, and chiropractic care. These therapies are crucial for managing acute flare-ups and preventing long-term damage. Without PMI, the wait for NHS physiotherapy can be lengthy, potentially turning a treatable issue into a chronic one.
  • Potential Health Effects: Even with excellent ventilation and Personal Protective Equipment (PPE), there's a risk of respiratory irritation, skin conditions like contact dermatitis, and potential long-term effects from cumulative exposure.
  • PMI Solution: Policies can offer access to dermatologists for skin conditions and respiratory specialists for breathing difficulties. Some comprehensive plans include health screenings that can help monitor your overall well-being.
  • Symptoms: This can manifest as headaches, blurred vision, dry eyes, and difficulty focusing.

As an expert in the preservation of priceless art and artefacts, you understand the value of specialist care. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we believe your health deserves the same meticulous attention. This guide explores private medical insurance in the UK, designed for the unique needs of conservators.

Specialist PMI for art and artifact preservation professionals

Conservators and restorers are the guardians of our cultural heritage. Your work is a unique blend of art, science, and history, requiring immense skill, patience, and physical precision. However, this dedication can come at a physical cost.

Private Medical Insurance (PMI) offers a way to bypass potential NHS waiting lists for certain conditions, giving you faster access to specialist consultations, diagnostic tests, and private treatment. For a profession where your hands, eyes, and physical well-being are your most crucial tools, this swift access can be invaluable. It means getting back to the studio and the work you love without unnecessary delay.

Why Standard Health Cover Might Not Be Enough

While any health insurance is beneficial, a generic policy might not fully appreciate the specific occupational hazards you face. A specialist approach, guided by an expert PMI broker, ensures your cover is aligned with the real-world risks of your profession, from repetitive strain injuries to the effects of chemical exposure.

Understanding the Unique Health Risks for UK Conservators

Your profession carries a distinct set of health challenges that are often overlooked. A robust private health cover plan should acknowledge and provide pathways to treat these specific issues.

1. Musculoskeletal and Repetitive Strain Injuries (RSI)

The intricate and often repetitive nature of conservation work places significant strain on the body.

  • Common Issues: Carpal tunnel syndrome, tenosynovitis, bursitis, and chronic back, neck, and shoulder pain are prevalent. Holding tools in fixed positions, working at awkward angles, and performing delicate, repetitive movements for hours are primary causes.
  • PMI Solution: A good policy provides fast access to physiotherapy, osteopathy, and chiropractic care. These therapies are crucial for managing acute flare-ups and preventing long-term damage. Without PMI, the wait for NHS physiotherapy can be lengthy, potentially turning a treatable issue into a chronic one.

According to the Health and Safety Executive (HSE), an estimated 477,000 workers suffered from a new or long-standing work-related musculoskeletal disorder in 2022/23. Professions involving repetitive tasks are at a higher risk.

2. Chemical and Substance Exposure

Conservators work with a wide array of chemicals, including solvents, adhesives, resins, and cleaning agents.

  • Potential Health Effects: Even with excellent ventilation and Personal Protective Equipment (PPE), there's a risk of respiratory irritation, skin conditions like contact dermatitis, and potential long-term effects from cumulative exposure.
  • PMI Solution: Policies can offer access to dermatologists for skin conditions and respiratory specialists for breathing difficulties. Some comprehensive plans include health screenings that can help monitor your overall well-being.

3. Eye Strain and Vision Health

Close, detailed work under intense lighting for prolonged periods is a recipe for significant eye strain.

  • Symptoms: This can manifest as headaches, blurred vision, dry eyes, and difficulty focusing.
  • PMI Solution: While routine eye tests are typically excluded, many PMI policies offer optical cover as an add-on. This can contribute to the cost of prescription glasses or contact lenses needed for your work and provide access to ophthalmologists for more serious concerns that may arise.

4. Respiratory Issues from Dust and Mould

Working with historic objects, textiles, and paper often involves exposure to decades or even centuries of accumulated dust, mould spores, and other particulates.

  • Health Risks: This can trigger or worsen asthma, cause allergic reactions, or lead to other respiratory conditions.
  • PMI Solution: Quick access to a private respiratory consultant for diagnosis and treatment can be vital. This allows you to get a clear treatment plan and advice on managing your work environment without a long wait.

5. Mental Health and Wellbeing

The profession can be isolating, with long hours spent in solitary concentration. The pressure of working on irreplaceable objects can also lead to significant stress and anxiety.

  • The Challenge: Deadlines, the weight of responsibility, and the freelance nature of much of the work can take a toll on mental health.
  • PMI Solution: Most modern PMI policies now include a strong focus on mental health. This can range from access to a 24/7 helpline to a set number of therapy or counselling sessions (e.g., CBT) without needing a GP referral. This immediate support is crucial for managing stress before it becomes overwhelming.

How Private Medical Insurance Works in the UK: The Basics

Understanding PMI is simpler than it seems. It’s designed to work alongside the NHS, not replace it.

  • For Acute Conditions: PMI is for new, treatable medical conditions that arise after you take out your policy. Think of a cataract needing surgery or a joint injury requiring physiotherapy.
  • Not for Chronic Conditions: It does not cover long-term, incurable conditions like diabetes, asthma, or high blood pressure. These will always be managed by the NHS.
  • Not for Emergencies: For accidents or emergencies, like a heart attack or a serious fall, you still go to your local A&E department. The NHS is world-class at emergency care.
  • The Patient Journey:
    1. You experience a new symptom (e.g., persistent knee pain).
    2. You see your NHS GP, who gives you an open referral to a specialist.
    3. You call your PMI provider to open a claim.
    4. They approve the claim and provide a list of recognised private specialists and hospitals.
    5. You book your appointment, get diagnosed, and receive treatment swiftly.
    6. The insurer settles the bills directly with the hospital.

The Critical Point: Pre-existing and Chronic Conditions

It is essential to be clear on this point: Standard UK private medical insurance does not cover pre-existing or chronic conditions.

  • Pre-existing Condition: Any illness, injury, or symptom you had (or sought advice for) in the years before your policy started. Most policies exclude these for a set period, or permanently.
  • Chronic Condition: An illness that cannot be cured and requires ongoing management, such as arthritis, diabetes, or Crohn's disease. PMI is designed for conditions that can be resolved with a course of treatment.

A broker like WeCovr can help you understand exactly what is and isn't covered, ensuring there are no surprises when you need to make a claim.

What Should Conservators Look for in a PMI Policy?

When choosing a policy, focus on the features that will provide the most value for the risks associated with your profession.

FeatureWhy It's Important for ConservatorsWhat to Look For
Comprehensive Musculoskeletal CoverYour most likely claim area. Essential for treating RSI, back pain, and joint issues quickly to minimise time away from work.Generous limits for physiotherapy, osteopathy, and chiropractic care. Some plans may require a GP referral, others allow self-referral.
Outpatient CoverPays for specialist consultations and diagnostic tests (MRI, CT scans, X-rays) before you are admitted to hospital.Choose a plan with a good outpatient limit (£1,000-£1,500) or a fully comprehensive option for complete peace of mind.
Mental Health PathwayAddresses the stress, anxiety, and isolation inherent in the profession.Look for policies that offer direct access to counselling or therapy sessions without a GP referral. Check the number of sessions included.
Cancer CoverA core component of all good PMI policies. Provides access to treatments, drugs, and therapies not always available on the NHS.Check for access to the latest licensed drugs, extensive hospital lists, and support services like dedicated nurses.
Optional Dental & Optical CoverDirectly addresses the risks of eye strain and potential dental issues.This is usually an add-on. Assess the cost vs. benefit. It can cover a portion of costs for check-ups, treatments, and eyewear.
Therapies CoverBroader than just musculoskeletal. Can include treatments like acupuncture or podiatry.Check the list of recognised therapies. This can be highly beneficial for overall physical maintenance.

Comparing UK Private Health Insurance Providers

The UK has a competitive PMI market. While costs vary hugely based on personal circumstances, here’s a general comparison of what leading providers offer that might appeal to a conservator.

ProviderKey Strengths & BenefitsPotential Add-ons of Interest
AXA HealthStrong core product with excellent cancer care and mental health support. Known for their extensive hospital network and clear policy documents.Therapies cover, dental and optical cash back, travel cover.
BupaThe UK's largest insurer. Comprehensive cover options and a strong focus on preventative health through their 'Bupa Live Well' service.Extensive mental health cover, dental insurance, and options for therapies.
AvivaKnown for their 'Expert Select' hospital list which can help manage premiums. Their "BacktoBetter" programme offers direct access to musculoskeletal specialists.Mental health add-ons, dental and optical benefits, protected no-claims discount.
VitalityUnique approach that rewards healthy living. You can earn points and get discounts for being active, which can lower your premium over time.A good fit for active individuals. Offers comprehensive therapies, mental health, and dental cover options.

An independent PMI broker can provide a detailed comparison of these providers and others, tailored to your specific needs and budget, helping you find the best PMI provider for you.

How Much Does Private Health Insurance for a Conservator Cost?

The cost of a private medical insurance UK policy is highly individual. Insurers calculate your premium based on several key factors:

  1. Age: Premiums increase as you get older, as the likelihood of claiming increases.
  2. Location: Treatment in central London is more expensive than in other parts of the UK, so postcodes in and around the capital often attract higher premiums.
  3. Level of Cover: A comprehensive plan with full outpatient cover, mental health support, and therapy add-ons will cost more than a basic plan covering only inpatient treatment.
  4. Excess: This is the amount you agree to pay towards a claim. A higher excess (e.g., £500) will lower your monthly premium.
  5. Hospital List: Choosing a limited hospital list that excludes the most expensive central London hospitals can significantly reduce your premium.
  6. No-Claims Discount (NCD): Similar to car insurance, your premium can decrease each year you don't make a claim.
  7. Lifestyle: Being a non-smoker will result in a lower premium.

Illustrative Monthly Premiums for a Conservator

These are for example purposes only. Your actual quote will vary.

AgeBasic Cover (Inpatient & Day-patient)Comprehensive Cover (Full Outpatient & Therapies)
30-year-old£35 - £50£60 - £85
40-year-old£45 - £65£75 - £110
50-year-old£60 - £90£110 - £160
60-year-old£90 - £140£170 - £250

(Estimates as of 2025, assuming a non-smoker outside London with a £250 excess.) (illustrative estimate)

The best way to get an accurate figure is to speak with a broker. At WeCovr, we compare the whole market for you, ensuring you get the right cover at a competitive price, with no cost for our advice.

Choosing Your Underwriting: Moratorium vs. Full Medical Underwriting

When you apply for PMI, the insurer needs to know about your medical history to decide what they will cover. There are two main ways they do this:

1. Moratorium Underwriting (The "Wait and See" Approach)

  • How it works: You don't have to declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms, treatment, or advice for in the last 5 years.
  • The "2-year rule": If you then go for a continuous 2-year period after your policy starts without experiencing any symptoms or seeking treatment for that condition, it may become eligible for cover.
  • Pros: Quick and easy application process.
  • Cons: Lack of certainty. You may not know if a condition is covered until you make a claim.

Example: You had knee pain 3 years before taking out your policy. With moratorium underwriting, any knee-related issues would be excluded for at least the first 2 years of your policy. If your knee is trouble-free for those 2 years, it could then be covered.

2. Full Medical Underwriting (FMU) (The "Full Disclosure" Approach)

  • How it works: You complete a detailed health questionnaire, disclosing your full medical history. The insurer assesses this and tells you from day one exactly what is and isn't covered, with specific exclusions written into your policy certificate.
  • Pros: Complete clarity and peace of mind from the start.
  • Cons: The application process is longer and more intrusive. Exclusions are often permanent.

Example: You declare the same knee pain on your FMU application. The insurer will likely place a permanent exclusion on your policy for any future claims related to your right knee.

For most people, moratorium underwriting is the most popular choice due to its simplicity. However, if you have a complex medical history or simply want absolute certainty, FMU can be the better option.

Wellness and Health Tips for Conservators

Beyond insurance, proactive self-care is your first line of defence against the occupational hazards of your work.

Studio Ergonomics

  • Adjust Your Workspace: Your workbench, chair, and lighting should be fully adjustable. Your feet should be flat on the floor, and your work should be at a height that prevents you from hunching.
  • Vary Your Posture: Avoid staying in one position for too long. Alternate between sitting and standing if possible. Use an ergonomic saddle chair to promote better spinal alignment.
  • Magnification and Lighting: Use high-quality, adjustable task lighting and magnification tools (like a loupe or microscope) to avoid leaning in and straining your neck and eyes.

Physical Well-being

  • Take Regular Breaks: Follow the 20-20-20 rule for your eyes: every 20 minutes, look at something 20 feet away for at least 20 seconds. Use these breaks to stand up, stretch your back, hands, and wrists.
  • Stretching is Non-Negotiable: Incorporate simple hand and wrist stretches into your daily routine. Stretch your neck, shoulders, and back at least twice a day.
  • Stay Active Outside Work: Strengthen your core and back muscles through activities like Pilates, yoga, or swimming. This builds resilience against postural strain.

Managing Chemical Safety

  • Ventilation is Key: Always work in a well-ventilated area. Use fume extraction systems when working with volatile solvents.
  • Use Your PPE: Wear the correct gloves, safety glasses, and, if necessary, a respirator. Check that your PPE is appropriate for the specific chemicals you are using.
  • Know Your Materials: Read the Safety Data Sheets (SDS) for all chemicals you use. Understand the risks and the first aid procedures.

Nutrition and Hydration

  • Fuel for Focus: A steady hand and sharp mind require good nutrition. Avoid sugar spikes by eating complex carbohydrates, lean protein, and healthy fats.
  • Hydrate: Dehydration can cause headaches and reduce concentration. Keep a water bottle at your side throughout the day.
  • WeCovr's CalorieHero App: As a WeCovr client, you get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. It’s a great tool to help you monitor your diet and ensure you’re getting the right fuel for your demanding work.

Freelance vs. Employed Conservators: Insurance Needs

Your employment status affects how you access private medical insurance.

  • Freelance/Self-Employed Conservators: You are responsible for arranging your own cover. An individual PMI policy is a crucial part of your business toolkit, protecting your health and your income-earning ability. The premiums are a personal expense.
  • Employed Conservators (e.g., in a Museum or Large Studio): You may be offered PMI as part of your employee benefits package. This is known as a Group Health Insurance scheme. These schemes often have excellent terms, sometimes covering conditions that might be excluded on an individual policy. If your employer doesn't offer it, or if the cover is basic, you can still take out a personal policy or a top-up plan.

Why Use an Expert PMI Broker Like WeCovr?

The private health cover market is complex. A specialist broker simplifies the entire process.

  1. Expertise: We understand the nuances of the market and the specific needs of professionals like you. We can highlight the policies with the best musculoskeletal and therapy benefits.
  2. Whole-of-Market Comparison: We are not tied to any single insurer. We compare policies and prices from across the market to find the best fit for you.
  3. No Cost to You: Our service is free. We are paid a commission by the insurer you choose, which is already built into the premium. You pay the same price (or often less) than going direct.
  4. Hassle-Free Process: We handle the paperwork and application process, saving you time and effort.
  5. Ongoing Support: We are here to help at renewal or if you need to make a claim, acting as your advocate with the insurer.

WeCovr's high customer satisfaction ratings reflect our commitment to providing clear, impartial, and genuinely helpful advice. Plus, when you buy a PMI or Life Insurance policy through us, you may be eligible for discounts on other types of cover, like home or professional indemnity insurance.

Frequently Asked Questions (FAQs)

As a conservator, is physiotherapy for repetitive strain injury (RSI) covered by private health insurance?

Generally, yes. Most private medical insurance policies in the UK are designed to cover acute conditions like RSI that arise after your policy begins. Musculoskeletal cover, including physiotherapy, is a core benefit of many plans. It's crucial to choose a policy with a good outpatient limit or a dedicated therapies option to ensure you have sufficient cover for a full course of treatment. Pre-existing RSI would be excluded, at least initially.

I'm a freelance conservator. Can I claim a private medical insurance policy as a business expense?

For a sole trader, a personal PMI policy is typically not an allowable business expense for tax purposes. However, if you operate as a limited company, the company can pay for your health insurance. This is considered a P11D benefit-in-kind, meaning you will have to pay income tax on the value of the premium, and the company will pay Class 1A National Insurance contributions. It's always best to seek advice from your accountant on this matter.
This varies between insurers and policies. Some comprehensive private health cover plans do include a health screening benefit, often available after you have held the policy for a year. These are typically general health checks rather than specific occupational health screenings. They can be a valuable tool for monitoring your overall health, but may not be designed to detect specific issues from chemical exposure unless they present as a clear symptom.

Will my premium go up if I make a claim for physiotherapy?

It might. Most UK PMI policies operate with a No-Claims Discount (NCD) system. If you make a claim, you are likely to see your NCD reduced at your next renewal, which would increase your premium. However, the cost of private physiotherapy can be significant, so using your insurance is often far more cost-effective than paying for treatment out-of-pocket. Some insurers offer an option to protect your NCD for an additional fee.

Take the Next Step: Protect Your Most Valuable Asset

Your health is the foundation of your craft. Investing in a private medical insurance policy is an investment in your career, your well-being, and your peace of mind.

Get a free, no-obligation quote from WeCovr today. Our expert advisors will help you navigate your options and build a policy that provides robust protection, tailored to the unique demands of a professional conservator.

Sources

  • Department for Transport (DfT): Road safety and transport statistics.
  • DVLA / DVSA: UK vehicle and driving regulatory guidance.
  • Association of British Insurers (ABI): Motor insurance market and claims publications.
  • Financial Conduct Authority (FCA): Insurance conduct and consumer information guidance.
Get Quote

Related tools

NHS Wait vs Private Cost MapOpen →
Private Surgery Price ListOpen →
Health Risk AssessmentOpen →
Can I Get Covered? CheckerOpen →
International PMI CalculatorOpen →
PMI Provider ReviewsOpen →
Back to Private Health Insurance (PMI) hub

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.

Flagship guides

Best Private Health Insurance UK 2026
Read now →
Average Cost of Private Health Insurance UK 2026
Read now →
Should I Get Private Health Insurance?
Read now →

Explore insurance hubs

PMI Guides Hub
Life Insurance Guides Hub
Income Protection Guides Hub

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:

Our Group Is Proud To Have Issued 900,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

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.

Learn more

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!