WeCovr.

Private Health Insurance for Fractures and Broken Bones 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

A sudden fall, a sports injury, an unfortunate accident – a broken bone can happen to anyone. When it does, your top priority is getting the best care, fast. As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands that navigating treatment options can be daunting.

Key takeaways

  • NHS & Private: The cyclist goes straight to the nearest NHS Accident & Emergency department. This is essential, as PMI does not cover initial emergency treatment. A&E staff will assess the injury, provide pain relief, and perform an initial X-ray. They will stabilise the fracture, perhaps in a temporary splint or cast, and advise on the next steps.
  • The NHS Pathway: The A&E team refers the patient to their local NHS fracture clinic. They may face a wait of several days to a week for this appointment. At the clinic, they will see an orthopaedic specialist, but it might not be a consultant. If surgery is deemed necessary, they are placed on the NHS waiting list. As of early 2025, waiting times for elective orthopaedic surgery can stretch from several weeks to many months.
  • The Private Pathway: After the A&E visit, the patient calls their PMI provider to open a claim. They provide the details of the injury and the A&E report. The insurer authorises a consultation. The patient then gets a GP referral (many PMI policies now offer a Digital GP service for instant referrals) and can book an appointment with a consultant orthopaedic surgeon of their choice from the insurer's approved list, often within 24-72 hours.
  • The NHS Pathway: If the consultant needs an MRI or CT scan to get a better view of the fracture, the patient is added to the NHS waiting list for diagnostics. This can add further delays of several weeks.
  • The Private Pathway: The private consultant can schedule an MRI or CT scan at a private hospital or scanning facility, usually within a few days. The results are available quickly, allowing the treatment plan to be finalised without delay.

A sudden fall, a sports injury, an unfortunate accident – a broken bone can happen to anyone. When it does, your top priority is getting the best care, fast. As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands that navigating treatment options can be daunting. This guide explores how private medical insurance in the UK can provide a crucial safety net for fractures and broken bones.

How PMI supports faster orthopaedic care after accidents

Private Medical Insurance (PMI) is designed to work alongside the NHS, offering you more choice, comfort, and, most importantly, speed when you need non-emergency treatment. For an acute injury like a fracture, this means bypassing lengthy NHS waiting lists for specialist consultations, diagnostic scans, and surgery.

While the NHS provides excellent emergency care, the subsequent journey to full recovery can be slow. According to the latest NHS England data, the waiting list for trauma and orthopaedic treatment – the speciality that deals with bones and joints – remains one of the largest, with hundreds of thousands of patients waiting for procedures.

With PMI, once you are stabilised by the NHS in A&E, you can activate your policy. This unlocks a parallel pathway to private care, enabling you to see a leading orthopaedic consultant within days, not weeks or months. This rapid access to expert care is the single biggest advantage of having private health cover for fractures.

The Patient Journey: NHS vs. Private Care for a Broken Bone

To truly understand the value of PMI, let's walk through a common scenario: a 45-year-old amateur cyclist who falls and suffers a complex wrist fracture.

Step 1: The Accident and Initial A&E Visit

This step is the same for everyone, regardless of insurance.

  • NHS & Private: The cyclist goes straight to the nearest NHS Accident & Emergency department. This is essential, as PMI does not cover initial emergency treatment. A&E staff will assess the injury, provide pain relief, and perform an initial X-ray. They will stabilise the fracture, perhaps in a temporary splint or cast, and advise on the next steps.

Step 2: The Referral and Consultation (The Key Difference)

This is where the two paths diverge significantly.

  • The NHS Pathway: The A&E team refers the patient to their local NHS fracture clinic. They may face a wait of several days to a week for this appointment. At the clinic, they will see an orthopaedic specialist, but it might not be a consultant. If surgery is deemed necessary, they are placed on the NHS waiting list. As of early 2025, waiting times for elective orthopaedic surgery can stretch from several weeks to many months.

  • The Private Pathway: After the A&E visit, the patient calls their PMI provider to open a claim. They provide the details of the injury and the A&E report. The insurer authorises a consultation. The patient then gets a GP referral (many PMI policies now offer a Digital GP service for instant referrals) and can book an appointment with a consultant orthopaedic surgeon of their choice from the insurer's approved list, often within 24-72 hours.

Step 3: Diagnostic Scans

Advanced imaging is often needed to plan surgery.

  • The NHS Pathway: If the consultant needs an MRI or CT scan to get a better view of the fracture, the patient is added to the NHS waiting list for diagnostics. This can add further delays of several weeks.

  • The Private Pathway: The private consultant can schedule an MRI or CT scan at a private hospital or scanning facility, usually within a few days. The results are available quickly, allowing the treatment plan to be finalised without delay.

Step 4: Surgery and Hospital Stay

  • The NHS Pathway: The patient waits their turn on the surgical list. The date can be unpredictable and subject to change if more urgent cases come in. They will be treated in an NHS hospital, likely on a general orthopaedic ward.

  • The Private Pathway: Surgery is booked at a time convenient for both the patient and the surgeon, typically within a week or two of the consultation. The procedure takes place in a private hospital, which usually offers a private room with an en-suite bathroom, better food choices, and more flexible visiting hours.

Step 5: Rehabilitation and Physiotherapy

Recovery is just as important as the initial treatment.

  • The NHS Pathway: Post-surgery physiotherapy is provided by the NHS. While effective, the number of sessions may be limited, and there can be waiting lists to start treatment. Group sessions are also common.

  • The Private Pathway: Most comprehensive PMI policies include a set number of post-operative physiotherapy sessions. These are one-to-one with a private physiotherapist, starting promptly after surgery to ensure the best possible recovery outcome.

NHS vs. Private Care Journey for a Fracture: A Summary

Stage of CareNHS PathwayPrivate Medical Insurance Pathway
Initial EmergencyA&E visit (covered by NHS)A&E visit (covered by NHS)
Specialist ReferralReferral to NHS fracture clinic. Wait of days/weeks.GP referral to private consultant. Appointment within days.
Diagnostics (MRI/CT)Added to NHS waiting list. Wait of weeks.Scans performed within days at a private facility.
Surgery (if needed)Added to NHS surgical waiting list. Wait of weeks/months.Surgery scheduled promptly at a private hospital.
Hospital StayNHS ward, potentially shared with other patients.Private en-suite room.
RehabilitationNHS physiotherapy, potential waits and group sessions.Prompt, one-to-one private physiotherapy sessions.

The Crucial Distinction: Acute vs. Chronic Conditions

This is the single most important concept to understand about private medical insurance in the UK.

PMI is designed exclusively for acute conditions.

An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. It has a sudden onset, a short duration, and is not expected to last for the long term.

  • Example: A broken arm from a fall. With treatment (a cast or surgery), it will heal, and you will recover. This is a classic acute condition that PMI is designed to cover.

A chronic condition, on the other hand, is an illness or disease that continues for a long time. It cannot be cured, only managed.

  • Example: Osteoporosis. This is a long-term condition that weakens bones, making them more likely to break. Standard PMI policies will not cover the ongoing management of osteoporosis itself (e.g., medication, regular check-ups). However, if you break a bone because of your osteoporosis, the fracture itself is still an acute event and may be covered, but the underlying chronic cause is not.

Why is this important? Insurers will not cover treatment for conditions you already have when you take out a policy (pre-existing conditions) or those that require long-term management (chronic conditions). This is how they keep premiums affordable. A fracture or broken bone that occurs after your policy starts is a new, acute condition and is therefore eligible for cover.

Understanding What PMI Covers for Fractures

A comprehensive private health insurance policy provides end-to-end cover for the private treatment of a broken bone. Here’s what is typically included, assuming the injury is a new, acute condition.

1. Specialist Consultations:

  • Initial and follow-up appointments with a consultant orthopaedic surgeon.

2. Diagnostic Tests and Scans:

  • Advanced imaging like MRI, CT, and PET scans to accurately assess the fracture.
  • X-rays and blood tests.
  • This is often part of the 'out-patient' cover limit on your policy, so it's vital to choose a plan with adequate cover.

3. Hospital and Surgical Fees:

  • Costs for your stay in a private hospital.
  • Surgeon's and anaesthetist's fees for the operation.
  • The cost of the operating theatre.

4. In-patient and Day-patient Treatment:

  • This covers the surgery itself, whether you need to stay overnight (in-patient) or are treated and discharged the same day (day-patient).
  • It also includes the cost of any prosthetics used, such as metal plates, screws, or rods needed to fix the bone.

5. Post-operative Care and Rehabilitation:

  • Follow-up care from your consultant.
  • A set number of physiotherapy sessions to restore movement and strength.
  • In some cases, home nursing may be covered for a short period after you are discharged.

6. Mental Health Support:

  • Many top-tier policies now include access to mental health support, which can be invaluable for dealing with the psychological impact of a serious injury and a long recovery.

What's Typically Not Covered by UK PMI for Fractures?

It's equally important to know the limitations of your cover to avoid any surprises.

  • Emergency Services: Your initial trip to A&E is always handled by the NHS. PMI is for planned, non-emergency care.
  • Pre-existing Conditions: If you have a history of problems with a specific bone or joint before taking out your policy, treatment for a new fracture in that same area might be excluded. This depends on your policy's underwriting.
  • Chronic Conditions: As explained above, the long-term management of conditions that weaken bones, like osteoporosis or certain types of arthritis, is not covered.
  • Injuries from "Hazardous" Activities: Standard policies often exclude injuries sustained during professional sports, motorsports, or activities deemed particularly risky (e.g., mountaineering, hang-gliding). You may need specialist cover if you participate in these hobbies. Always check the policy wording.
  • Cosmetic Surgery: Any procedures deemed purely cosmetic, rather than medically necessary for restoring function, will not be covered.

Choosing the Right Private Medical Insurance for Orthopaedic Cover

With so many options, choosing the best PMI provider can feel overwhelming. A specialist broker like WeCovr can be invaluable, comparing policies from across the market to find the one that best suits your needs and budget, at no extra cost to you.

Here are the key factors to consider:

1. Level of Out-patient Cover

This is crucial for fracture care. Out-patient cover pays for your initial consultant appointments and diagnostic scans before you are admitted for surgery. A policy with a low out-patient limit (e.g., £500) might not be enough to cover a consultation and an MRI scan, meaning you'd have to pay the shortfall. For comprehensive orthopaedic cover, a policy with full out-patient cover is ideal. (illustrative estimate)

2. Hospital List

Insurers have different lists of approved hospitals. If you want to be treated at a specific private hospital near you, check that it is included in your chosen policy's list. More comprehensive (and expensive) plans offer a wider choice of hospitals, including premium central London facilities.

3. Policy Excess

This is the amount you agree to pay towards any claim. A higher excess (£500 or £1,000) will lower your monthly premium, but you'll have to pay that amount if you need to use the policy. A lower excess (£100 or £250) means higher premiums. (illustrative estimate)

4. Underwriting Type

  • Moratorium Underwriting: This is the most common type. The insurer does not ask for your full medical history upfront. Instead, they will generally exclude treatment for any condition you've had symptoms of, or received treatment for, in the five years before your policy started. However, if you remain symptom-free and treatment-free for that condition for two continuous years after your policy begins, it may become eligible for cover.
  • Full Medical Underwriting (FMU): You provide your full medical history when you apply. The insurer then tells you upfront exactly what is and isn't covered. This provides more certainty but can be a more involved process.

Major UK PMI Provider Comparison

ProviderKey Orthopaedic StrengthsPotential Drawbacks
AXA HealthStrong hospital network, excellent 'Personalised Case Management' for complex claims.Premiums can be at the higher end.
BupaExtensive network of consultants and hospitals, 'Bupa Direct Access' for fast physio and mental health support without a GP referral.Can be more expensive, especially for older applicants.
Aviva'Expert Select' hospital list offers good value, strong digital GP service.The standard hospital list can be more restrictive than competitors.
VitalityFocus on wellness, rewarding healthy living with premium discounts and other perks. Can encourage bone-strengthening activity.The rewards programme can be complex to maximise.
The ExeterKnown for flexible underwriting and considering applicants with some pre-existing conditions.Smaller hospital network compared to the major players.

How Much Does PMI for Fracture Cover Cost?

The cost of private medical insurance in the UK varies widely based on several factors:

  • Age: Premiums increase as you get older.
  • Location: Costs are generally higher in London and the South East due to more expensive private hospital fees.
  • Level of Cover: A comprehensive plan with full out-patient cover and a national hospital list will cost more than a basic plan.
  • Excess: A higher excess reduces your premium.
  • Smoker Status: Non-smokers pay less.

Here are some illustrative monthly premium estimates for a comprehensive policy with £500 excess and full out-patient cover.

AgeLocation: ManchesterLocation: London
30-year-old£55 - £75£70 - £90
45-year-old£80 - £110£100 - £135
60-year-old£140 - £190£170 - £230

Disclaimer: These are guide prices only for 2025. Your actual quote will depend on your individual circumstances and the insurer you choose.

Beyond Treatment: Wellness Benefits and Fracture Prevention

The best way to deal with a fracture is to prevent it from happening in the first place. Modern PMI is increasingly focused on proactive health and wellness.

Diet for Bone Health: Your bones need a constant supply of key nutrients.

  • Calcium: Found in dairy products (milk, cheese, yoghurt), leafy green vegetables (kale, broccoli), and fortified foods.
  • Vitamin D: Crucial for absorbing calcium. Our main source is sunlight on the skin. In the UK, especially during autumn and winter, a supplement is recommended. It's also found in oily fish, red meat, and egg yolks.

Exercise for Strong Bones: Weight-bearing and resistance exercises are essential for building and maintaining bone density.

  • Weight-bearing: Brisk walking, running, dancing, tennis.
  • Resistance: Lifting weights, using resistance bands, or bodyweight exercises like push-ups and squats.
  • Balance: Activities like yoga, Pilates, and Tai Chi can improve balance and coordination, reducing the risk of falls, especially as we age.

Many PMI providers, notably Vitality, actively encourage this by tracking your activity and rewarding you with discounts and perks. At WeCovr, we support our clients' health journeys by providing complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, helping you monitor your intake of vital nutrients like calcium.

The WeCovr Advantage: More Than Just a Policy

Choosing private medical insurance is a significant decision. At WeCovr, we believe in making the process simple, transparent, and tailored to you. Our high customer satisfaction ratings reflect our commitment to putting clients first.

Here's how we help:

  • Expert, Impartial Advice: As an FCA-authorised broker, we are not tied to any single insurer. Our experts provide unbiased advice focused solely on finding the right cover for you.
  • Whole-of-Market Comparison: We compare policies from all the leading UK insurers, saving you the time and hassle of getting multiple quotes yourself.
  • No Cost to You: Our service is completely free. We are paid a commission by the insurer you choose, but this does not affect the premium you pay.
  • Added Value: All our PMI and Life Insurance clients receive complimentary access to our CalorieHero app to support their health goals. Plus, you can benefit from exclusive discounts on other types of cover you might need, such as life or home insurance.

A fracture or broken bone is a serious disruption to your life. Having the right private medical insurance in place provides the peace of mind that you can access expert care quickly, giving you the best chance of a swift and complete recovery.


Can I get private health insurance if I've broken a bone before?

Yes, you can. However, the previous fracture will be considered a pre-existing condition. If you choose a moratorium policy, it will likely be excluded from cover for a set period (usually the first two years). After that, if you have had no further symptoms, advice, or treatment for it, it may become eligible for cover. If you choose full medical underwriting, the insurer may place a permanent exclusion on that specific body part.

Does private medical insurance UK cover physiotherapy for a fracture?

Yes, most comprehensive UK private medical insurance policies include cover for post-operative physiotherapy. This is a key benefit, as it ensures you get prompt, one-to-one rehabilitation to restore function after surgery or having a cast removed. The number of sessions covered will vary by policy, so it's important to check the details. Some insurers also offer direct access to physiotherapy without needing a GP referral.

Will my PMI cover a fracture from a ski trip abroad?

This depends entirely on your policy. Standard UK private health insurance is for treatment within the UK. For injuries abroad, you need travel insurance with specific winter sports cover. However, some premium PMI policies offer a travel cover extension. This might cover emergency treatment overseas to stabilise you, with the intention of bringing you back to the UK to use your PMI policy for any subsequent surgery and rehabilitation. Always check both your PMI and travel insurance policies before you go.

Ready to find the right protection for you and your family? Get a free, no-obligation quote from a WeCovr expert today and discover how affordable peace of mind can be.

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.
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

Related guides

Fractures Diagnosis and Treatment
Fractures Diagnosis and Treatment
Read more →
Fractures Private Orthopaedic Care
Fractures Private Orthopaedic Care
Read more →
UK Bone Health Crisis Fractures & Future
UK Bone Health Crisis Fractures & Future
Read more →
UK Bone Health Crisis Fragility Fractures & Lifetime Burden
UK Bone Health Crisis Fragility Fractures & Lifetime Burden
Read more →
UK Circadian Crisis Your Broken Internal Clock
UK Circadian Crisis Your Broken Internal Clock
Read more →
UK's Broken Body Clock
UK's Broken Body Clock
Read more →

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!