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Private Health Insurance for High Blood Pressure UK

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 20, 2026
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TL;DR

As FCA-authorised expert brokers who have helped arrange over 900,000 policies, WeCovr understands the nuances of private medical insurance in the UK. This guide explains everything you need to know about getting private health cover when you have high blood pressure, also known as hypertension.

Key takeaways

  • Diagnosis: If you develop symptoms that might be high blood pressure, PMI can provide fast access to private consultations and diagnostic tests to get a swift and accurate diagnosis.
  • Acute Complications: If your hypertension leads to a new, separate, and acute condition (like a heart attack or stroke), your PMI policy could cover the treatment for that acute event, subject to your policy's terms and underwriting.
  • Unrelated Conditions: Your policy will still cover you for any new, eligible acute conditions that are completely unrelated to your blood pressure, such as joint pain requiring surgery, hernias, or cancer treatment (if included in your cover).
  • Wellness Benefits: Most modern PMI policies include a wealth of wellness tools, digital GP access, and health support that can empower you to manage the lifestyle factors that contribute to high blood pressure.
  • Heart disease

As FCA-authorised expert brokers who have helped arrange over 900,000 policies, WeCovr understands the nuances of private medical insurance in the UK. This guide explains everything you need to know about getting private health cover when you have high blood pressure, also known as hypertension.

How hypertension is treated under UK PMI policies

The single most important thing to understand about private medical insurance (PMI) in the UK is that it is designed to cover acute conditions. These are diseases or injuries that are likely to respond quickly to treatment and return you to your previous state of health.

High blood pressure (hypertension) is considered a chronic condition. This means it is a long-term condition that requires ongoing management rather than a short-term cure.

Because of this fundamental distinction, standard UK private health insurance policies do not cover the routine, day-to-day management of chronic conditions like high blood pressure. This includes GP appointments for monitoring, prescription costs for medication like ACE inhibitors or beta-blockers, and regular check-ups. This care is managed effectively and comprehensively by the NHS.

However, this does not mean PMI has no value if you have hypertension. It can still play a crucial role in several key areas:

  1. Diagnosis: If you develop symptoms that might be high blood pressure, PMI can provide fast access to private consultations and diagnostic tests to get a swift and accurate diagnosis.
  2. Acute Complications: If your hypertension leads to a new, separate, and acute condition (like a heart attack or stroke), your PMI policy could cover the treatment for that acute event, subject to your policy's terms and underwriting.
  3. Unrelated Conditions: Your policy will still cover you for any new, eligible acute conditions that are completely unrelated to your blood pressure, such as joint pain requiring surgery, hernias, or cancer treatment (if included in your cover).
  4. Wellness Benefits: Most modern PMI policies include a wealth of wellness tools, digital GP access, and health support that can empower you to manage the lifestyle factors that contribute to high blood pressure.

This guide will explore these points in detail, giving you the clarity to make an informed decision.

Understanding High Blood Pressure (Hypertension)

High blood pressure, or hypertension, is a very common condition in the UK. According to the NHS, around one in three adults in the UK has high blood pressure, and many are unaware of it.

It's often called the "silent killer" because it rarely has noticeable symptoms. But if left untreated, it significantly increases your risk of serious health problems.

What do the numbers mean?

When you have your blood pressure checked, the reading is given as two numbers:

  • Systolic pressure (the first number): The pressure when your heart pushes blood out.
  • Diastolic pressure (the second number): The pressure when your heart rests between beats.

As a general guide, ideal blood pressure is usually considered to be between 90/60mmHg and 120/80mmHg. High blood pressure is considered to be 140/90mmHg or higher.

Why is it a risk?

Consistently high blood pressure puts extra strain on your blood vessels, heart, and other organs, such as the brain, kidneys, and eyes. Over time, this strain increases your risk of developing life-threatening conditions, including:

  • Heart disease
  • Heart attacks
  • Strokes
  • Kidney disease
  • Vascular dementia

The good news is that by making lifestyle changes and, if needed, taking medication, you can manage your blood pressure effectively and significantly reduce these risks.

The Crucial Distinction: Acute vs. Chronic Conditions in PMI

To understand how insurers treat hypertension, you must grasp the difference between 'acute' and 'chronic'. This is the bedrock principle of the UK private health insurance market.

FeatureAcute ConditionChronic Condition
DefinitionA disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.A disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, it has no known cure, it comes back or is likely to come back, or it requires palliative care.
ExamplesCataracts, hernia, joint injury, appendicitis, a new and treatable cancer.High Blood Pressure (Hypertension), Diabetes, Asthma, Eczema, Arthritis.
PMI CoverageCovered. The primary purpose of PMI is to treat these conditions quickly.Generally Excluded. Routine monitoring, management, and medication are not covered.

In summary: UK PMI is designed to fix problems that are fixable (acute), not to manage conditions that are ongoing (chronic). The NHS is structured to provide excellent, long-term care for chronic conditions like hypertension, and private insurers do not duplicate this service.

Underwriting and High Blood Pressure: How Insurers View Your Condition

When you apply for private medical insurance, the insurer needs to assess your medical history. This process is called underwriting. If you have been diagnosed with high blood pressure, it is classed as a pre-existing condition.

There are two main ways insurers will underwrite your policy:

1. Moratorium Underwriting

This is the most common type of underwriting. It's simpler and quicker because you don't have to fill out a detailed medical questionnaire.

  • How it works: The policy automatically excludes any medical conditions you (or anyone on your policy) have had symptoms, medication, or advice for in the five years before the policy starts.
  • The "2-year rule": If you then go for two continuous years after your policy starts without needing any treatment, advice, or medication for that condition, it may become eligible for cover.
  • For Hypertension: Because hypertension requires continuous management (at the very least, an annual GP check-up), it will never satisfy the 2-year rule. This means your high blood pressure and any related conditions will be permanently excluded from cover under a moratorium policy.

2. Full Medical Underwriting (FMU)

With FMU, you provide a full declaration of your medical history on the application form. The insurer's underwriting team then reviews this information.

  • How it works: Based on your disclosures, the insurer will decide what they can and cannot cover. This gives you certainty from day one.
  • For Hypertension: If you declare high blood pressure, the insurer will almost certainly apply a specific exclusion to your policy. This will be written on your policy documents. The exclusion will likely name "hypertension and related conditions". This might include conditions like stroke, heart disease, or kidney disease, as they can be directly caused or aggravated by high blood pressure.

Comparing Underwriting for Hypertension

FeatureMoratorium UnderwritingFull Medical Underwriting (FMU)
Application ProcessSimple, no medical forms.Detailed medical questionnaire.
Hypertension StatusAutomatically excluded as a pre-existing condition.Explicitly excluded in writing on your policy documents.
Clarity of CoverLess clear upfront. You only find out if something is covered when you claim.Complete clarity from day one. You know exactly what is excluded.
Best For...People who want a quick and simple application process and haven't had recent medical issues.People who want absolute certainty about what is covered, especially if they have a known condition like hypertension.

An expert PMI broker like WeCovr can talk you through the pros and cons of each underwriting method for your specific circumstances, ensuring you choose the path that best suits your needs.

Even with a clear exclusion for the chronic management of hypertension, your private health cover can be extremely valuable in specific scenarios.

1. Getting a Diagnosis

Imagine you're in your 40s with no history of high blood pressure. You start experiencing headaches and dizziness.

  • With the NHS: You'd book a GP appointment. There might be a wait. Your GP would take a reading and might ask you to come back for more or wear a 24-hour monitor.
  • With PMI: You could use your policy's Digital GP service for an immediate video consultation. They could refer you to a private cardiologist within days. Your PMI policy would cover the cost of the consultation, blood tests, an ECG, and a 24-hour ambulatory blood pressure monitor to get a rapid, definitive diagnosis.

Once diagnosed, the ongoing management of your now-chronic hypertension would revert to your NHS GP. But PMI has given you speed, peace of mind, and a specialist-led diagnosis.

2. Treating a New, Acute Complication

This is a more nuanced area, and cover depends heavily on your underwriting and specific policy wording.

Let's say you have a policy with an exclusion for hypertension. Years later, you suffer a heart attack. A heart attack is an acute medical event.

  • Could it be covered? Possibly. Some insurers may argue the heart attack is a direct result of the excluded pre-existing hypertension and decline the claim.
  • However, other insurers may take the view that while hypertension was a risk factor, the heart attack is a new, separate, acute event and agree to cover the treatment (e.g., hospital admission, surgery like angioplasty).

This is a grey area where having an expert on your side is invaluable. A broker can help you understand the specific stance of different insurers on "related conditions" before you buy.

3. Covering Unrelated Acute Conditions

This is the most straightforward benefit. Your hypertension exclusion does not affect your cover for new, eligible medical conditions that are entirely unrelated.

Real-Life Example:

  • Jane has had well-managed high blood pressure for ten years. She takes out a PMI policy with a clear exclusion for hypertension.
  • A year later, she develops severe hip pain and is diagnosed with osteoarthritis. Her NHS waiting list for a hip replacement is 18 months.
  • Because her hip condition is unrelated to her high blood pressure, her PMI policy covers the entire cost of a private consultation, MRI scan, and hip replacement surgery, which she has within six weeks.

In this scenario, Jane's PMI has provided immense value by allowing her to bypass a long wait and return to a pain-free life quickly.

NHS Services for Hypertension: Your Primary Care Route

It's vital to recognise the excellent, comprehensive care the NHS provides for chronic conditions like high blood pressure, which is why PMI doesn't need to cover it.

If you are diagnosed with hypertension, you can expect the following from the NHS, all free at the point of use:

  • Initial Diagnosis: Through your GP surgery.
  • Regular Monitoring: Annual or more frequent check-ups with a GP, practice nurse, or pharmacist to monitor your blood pressure and overall health.
  • Medication: Your GP will prescribe the necessary medication. In England, prescription charges apply, but many people with long-term conditions are exempt or can save money with a Prescription Prepayment Certificate (PPC). Prescriptions are free in Scotland, Wales, and Northern Ireland.
  • Lifestyle Advice: Personalised guidance on diet, exercise, and other lifestyle factors.
  • Specialist Referral: If your blood pressure is difficult to control, your GP can refer you to an NHS specialist.

Value-Added Benefits: How PMI Helps You Manage Your Health Proactively

Modern private medical insurance is about much more than just paying for surgery. The best PMI providers offer a suite of wellness services that can be particularly beneficial for managing factors related to high blood pressure.

These benefits are often available to you from day one, regardless of any exclusions on your policy.

BenefitHow It Helps with Blood Pressure ManagementLeading Providers Offering This
24/7 Digital GPGet quick advice on symptoms, medication side effects, or lifestyle changes without waiting for a GP appointment.Aviva, AXA Health, Bupa, Vitality
Wellness & Fitness DiscountsReduced gym memberships and discounts on fitness trackers encourage regular physical activity, which is proven to lower blood pressure.Vitality, Aviva
Mental Health SupportAccess to helplines or therapy sessions can help you manage stress, a known contributor to high blood pressure.All major providers
Health & Nutrition ToolsApps and online resources provide guidance on healthy eating, helping you reduce salt and maintain a healthy weight.Bupa, AXA Health
Health ScreeningsSome policies offer regular health checks that can monitor key metrics like blood pressure, cholesterol, and BMI.Bupa, Vitality

At WeCovr, we go a step further. When you arrange a policy with us, we provide complimentary access to our powerful AI-driven calorie and nutrition tracking app, CalorieHero. This tool makes it simple to monitor your diet, track salt intake, and work towards a healthier weight – all key components in managing blood pressure effectively.

Lifestyle, Diet, and Managing High Blood Pressure

While your PMI policy and the NHS handle different aspects of your healthcare, the power to manage your blood pressure day-to-day is in your hands. Adopting a healthier lifestyle can be as effective as medication for some people.

Here are some top tips based on NHS guidance:

  1. Reduce Your Salt Intake:

    • Aim for less than 6g (one teaspoonful) of salt per day.
    • Check food labels – a lot of salt is hidden in processed foods like bread, cereals, and ready meals.
    • Cook from scratch to control how much salt you add.

  2. Eat a Balanced Diet:

    • Follow a diet rich in fruit, vegetables, and whole grains.
    • The DASH (Dietary Approaches to Stop Hypertension) diet is highly recommended.
    • Reduce your intake of saturated fat.

  3. Cut Down on Alcohol:

    • Regularly drinking too much alcohol will raise your blood pressure over time.
    • Stick within the recommended weekly limits (currently 14 units for both men and women).
    • Have several drink-free days each week.

  4. Maintain a Healthy Weight:

    • Being overweight forces your heart to work harder to pump blood around your body.
    • Even losing a small amount of weight can make a big difference to your blood pressure.

  5. Be More Active:

    • Aim for at least 150 minutes of moderate-intensity aerobic activity (like brisk walking or cycling) each week.
    • Physical activity helps to strengthen your heart, making it more efficient.

  6. Stop Smoking:

    • Smoking doesn't directly cause high blood pressure, but it narrows your arteries and dramatically increases your risk of a heart attack or stroke.

  7. Manage Stress:

    • While stress isn't a direct cause, it can lead to unhealthy behaviours like poor diet and drinking, which raise blood pressure.
    • Incorporate relaxation techniques into your day, such as mindfulness, yoga, or deep breathing exercises.

How to Choose the Best PMI Policy with High Blood Pressure

Navigating the private medical insurance UK market can be complex, especially with a pre-existing condition. Here's a simple, step-by-step approach:

Step 1: Be Honest and Upfront Always declare your high blood pressure and any medication you take. Hiding a pre-existing condition is a breach of your contract and will lead to claims being denied and your policy being cancelled.

Step 2: Decide on Underwriting Consider whether Moratorium or Full Medical Underwriting (FMU) is better for you. With hypertension, FMU often provides greater peace of mind as you know exactly what is and isn't covered from the start.

Step 3: Compare Insurer Wording Look closely at how different insurers define "related conditions". Some may have broader exclusions than others. This is where an expert can be invaluable.

Step 4: Look Beyond the Core Cover Evaluate the value-added benefits. A policy from a provider like Vitality, which actively rewards healthy living, might be very appealing. Compare the digital GP services, mental health support, and wellness programmes on offer.

Step 5: Use an Independent, Expert Broker This is the most effective way to find the right cover. A specialist broker like WeCovr works for you, not the insurance companies.

  • We know the market: We understand the different underwriting stances of every major UK provider.
  • We save you time: We compare dozens of policies to find the best options for your specific needs and budget.
  • Our advice is free: We are paid by the insurer you choose, so you get our expert guidance at no extra cost.
  • Added benefits: We offer our clients extra value, such as access to the CalorieHero app and discounts on other insurance products like life or home insurance when you take out a policy. Our high customer satisfaction ratings reflect our commitment to finding the best outcomes for our clients.

Do I need to declare my high blood pressure when applying for private health insurance?

Yes, absolutely. You must declare all pre-existing conditions, including high blood pressure (hypertension) and any medication you take for it. Failing to do so can invalidate your policy. If you choose 'moratorium' underwriting you won't declare it on a form, but it will be automatically excluded for a set period.

Will my premiums be higher if I have high blood pressure?

Not necessarily. Because the routine management of hypertension is excluded from cover, insurers may not load your premium. They will simply exclude the condition. Your premium is primarily determined by your age, location, and the level of cover you choose, not by a well-managed and excluded chronic condition.

Can private health insurance cover the medication for my hypertension?

No, standard UK private health insurance does not cover the cost of outpatient prescriptions for chronic conditions like high blood pressure. This medication is prescribed and managed through your NHS GP.

What happens if my excluded high blood pressure leads to a heart attack?

This depends on your insurer and the specific terms of your policy. A heart attack is an acute event. Some insurers may cover it as a new, acute condition, while others may decline a claim on the basis that it is directly related to your excluded pre-existing hypertension. It is crucial to clarify this with an insurance advisor before purchasing a policy.

Your Next Step

While private medical insurance won't manage your day-to-day hypertension, it remains a powerful tool for your overall health. It offers rapid access to diagnostics, prompt treatment for new and unrelated acute conditions, and a wealth of wellness benefits to support a healthier lifestyle.

The key is to enter into a policy with a full understanding of what is and isn't covered.

Contact WeCovr today for a free, no-obligation quote. Our expert advisors will compare the UK's leading insurers to find the right private health cover for your needs and budget, providing the clarity and confidence you deserve.

Sources

  • NHS England: Waiting times and referral-to-treatment statistics.
  • Office for National Statistics (ONS): Health, mortality, and workforce data.
  • NICE: Clinical guidance and technology appraisals.
  • Care Quality Commission (CQC): Provider quality and inspection reports.
  • UK Health Security Agency (UKHSA): Public health surveillance reports.
  • Association of British Insurers (ABI): Health and protection market publications.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.

How does it work?

Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:

• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment

Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.

Questions to ask yourself regarding private medical insurance

Just ask yourself:
👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?

Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.

Benefits offered by private medical insurance

Private medical insurance provides numerous benefits that can significantly improve your healthcare experience and outcomes:

Faster Access to Treatment
One of the biggest advantages is avoiding NHS waiting lists. While the NHS provides excellent care, waiting times can be lengthy. With private medical insurance, you can often receive treatment within days or weeks rather than months.

Choice of Consultant and Hospital
You can choose your preferred consultant and hospital, giving you more control over your healthcare journey. This is particularly important for complex treatments where you want a specific specialist.

Better Facilities and Accommodation
Private hospitals typically offer superior facilities, including private rooms, better food, and more comfortable surroundings. This can make your recovery more pleasant and potentially faster.

Advanced Treatments
Private medical insurance often covers treatments and medications not available on the NHS, giving you access to the latest medical advances and technologies.

Mental Health Support
Many policies include comprehensive mental health coverage, providing faster access to therapy and psychiatric care when needed.

Tax Benefits for Business Owners
If you're self-employed or a business owner, private medical insurance premiums can be tax-deductible, making it a cost-effective way to protect your health and your business.

Peace of Mind
Knowing you have access to private healthcare when you need it provides invaluable peace of mind, especially for those with ongoing health conditions or concerns about NHS capacity.

Private medical insurance is particularly valuable for those who want to take control of their healthcare journey and ensure they receive the best possible treatment when they need it most.

Important Fact!

There is no need to wait until the renewal of your current policy.
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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.

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Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

Health insurance covers conditions that develop after your policy starts. Pre-existing conditions are typically not covered, and insurers may exclude related issues. Some policies may cover symptoms of pre-existing conditions under specific circumstances. Always review your policy's exclusions. Coverage for pre-existing medical conditions may be available if you currently hold a medical insurance policy or are transitioning from a company scheme. However, if you have never had medical insurance before or if your policy is not active at the moment, pre-existing conditions will not be covered. This limitation exists because health insurance is primarily intended to protect against unexpected health issues. To simplify, it's akin to getting into a car accident and then trying to obtain insurance coverage afterward to repair the vehicle — insurance companies typically do not cover such claims. Nevertheless, there is an option to gain coverage for pre-existing conditions after a two-year waiting period, subject to specific rules and conditions.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Sometimes treatments and drugs that are not covered by the NHS can be covered by Private Medical Insurance.

It's free to use WeCovr to find health insurance - we never charge you for quotes. Health or private medical insurance is an investment that can pay for itself the first time you might need medical treatment.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you would benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our revenue comes from commissions paid by the insurance providers when a policy is taken out through us. Essentially, when you choose to secure a policy from one of the providers we work with, they compensate us for facilitating the transaction. It's important to note that this commission does not impact the premium you pay. We remain committed to providing transparent and unbiased quotes to help you find the best insurance options tailored to your needs.

The cost of private health insurance depends on several factors, including your age, location, smoking status, and the type of policy you choose. Your health insurance policy is tailored to your needs, and the cost can vary based on the level of cover you require, such as the amount of excess and specific treatment allowances.

Private health insurance covers you for conditions that arise after your policy begins. You pay a monthly fee and can make claims for private healthcare covered by your policy. One of the main benefits of private healthcare is quicker access to treatment compared to the NHS, along with access to new drugs or specialist treatments.

Most health insurance covers private hospital stays and may include outpatient treatments like scans, tests, or appointments. Policies vary in coverage, and exclusions often include emergency treatment, maternity care, cosmetic surgery, and ongoing conditions present before the policy started.

Unfortunately, you cannot pay extra to have a pre-existing condition covered as part of your health insurance policy. However, you have access to support from a nurse or digital GP. If you have questions about what is covered under your policy, please contact us for clarification.

Your health insurance policy begins once you've selected your policy and set up your payment. After setup, you'll receive your cover documents detailing what is and isn't covered. It's important to review these details carefully as policies differ.

An excess is the amount you contribute towards treatment when you make a claim. Choosing a higher excess can reduce your policy's monthly cost but requires a larger contribution when claiming. WeCovr's experts will offer you flexible excess options depending on your preferences.

To reduce health insurance costs, consider choosing a higher excess, which lowers the monthly premium. However, ensure the plan still meets your needs. Other factors affecting cost include lifestyle choices like smoking and potential savings for couples or family plans.

There is no age limit for taking out health insurance, but age influences the policy's cost. The benefits of health insurance are consistent regardless of age. If you're considering health insurance, you can get a quote from WeCovr's experts regardless of your age.

Let WeCovr's experts do the legwork for you and compare health insurance plans at no cost to you to find the best fit for your needs. Consider individual, couple, or family plans and review coverage details thoroughly before choosing. WeCovr provides transparent information on coverage options for easy comparison.

Yes, you can add your partner (if you live at the same address) or dependents to your policy at any time. The cost of couple's or family health insurance depends on factors like location, age, health, and chosen excess. Contact WeCovr or your insurer for assistance in adding someone to your policy.

While WeCovr's private health insurance plans are tailored for the UK, we offer global health insurance options for those living or working abroad. For holiday coverage, travel insurance is recommended.

Comprehensive cover provides extensive benefits, including full outpatient services such as consultations, diagnostic tests, physiotherapy, and mental health therapies. Our team at WeCovr can assist in understanding the various coverage levels available.

Private health insurance typically does not cover dental treatment. However, WeCovr's experts can guide you to dental insurance policies offered by our partner insurers. Reach out to us to explore these options.

Yes, private health insurance covers cancer treatment from diagnosis through treatment. At WeCovr, we can help you navigate the cancer cover options that suit your needs.

At WeCovr, you have flexibility in adjusting your cover. Speak to our experts within 21 days of receiving your paperwork or at policy renewal to make changes.

Accessing a private GP appointment is fast and convenient with WeCovr's services, available through your digital platform provided under your chosen insurance plan.

Yes, family members on the same policy can potentially have different levels of cover tailored to their individual needs.

WeCovr works with insurers offering a range of cover levels to accommodate different budgets and needs. Our experts can discuss these options with you.

Discovering healthcare facilities and specialists is easy with WeCovr's resources. Contact us for personalised assistance by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Fee-assured consultants provides transparency and no hidden costs for clients.

WeCovr prioritises mental health support with comprehensive coverage and access to specialist advice and services.

Children up to a certain age can be included in your policy, and we offer discounts for family coverage.

Like most health insurance plans, premiums may increase annually due to factors such as age and medical cost inflation.

The cost of health insurance varies based on several factors. Connect with our experts by tapping a button below and get your own personalised quote.

Private health insurance offers quicker access to consultations, treatments, and personalised care compared to the NHS.

Yes, WeCovr's experts can guide you which health insurance plans include coverage for physiotherapy treatments.

Immediate access to certain services like our digital GP app is available upon enrolment.

You can obtain a range of suitable quotes easily by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Health insurance covers new conditions that arise after the policy starts. Pre-existing conditions and certain exclusions may apply.

WeCovr's experts help you arrange health insurance that simplifies access to private healthcare services, including consultations and treatments.

Outpatient cover includes consultations, physiotherapy, and mental health therapies outside hospital admissions.

Yes, you can use your health insurance cover immediately. You have access to a nurse through your helpline and can consult with a GP using the digital GP app. If you need to make a claim right away, we may require a medical report from your GP. Health insurance is designed to cover new conditions that arise after the policy has started.

No, health insurance does not cover A&E (Accident and Emergency) visits. Private hospitals do not typically have the facilities for handling A&E cases. In case of an emergency, please dial 999 or use the NHS emergency services. However, if you require follow-up treatment after an emergency situation, your private medical insurance may be able to assist.

Yes, many insurers offer rewards in leisure, wellbeing, and health. Speak to WeCovr's experts or visit your insurer's website for more details on member rewards.

You may continue your cover or get another own personal policy. If you continue your cover, existing or ongoing medical conditions might be covered depending on the level of cover you choose. Contact our friendly experts to discuss your options and find the right option for you.

You can tap one of the buttons above or below and fill in a quick form to arrange a call with us to discuss your options.

Your cover may be similar but not identical. We will help you find the right level of cover that suits your needs, and ongoing medical conditions may be covered. Contact our friendly advisers to explore all available options.

No, the price won't be the same as before since employers often contribute to the cost of employee cover. Additionally, different cover levels and medical histories may affect the price. Contact WeCovr's experts for detailed information.

You have a few weeks or months from leaving your job to decide to continue with your insurer or change to another one. Your policy may start the day after you left your work policy, and our experts can guide you through other available options.

After leaving your job, contact WeCovr's experts with your leave date to discuss available options.

Yes, ongoing treatment may be covered on your new personal policy, although it could affect the price. Contact our experts for personalised advice on your options.

Details on paying excess fees will be provided when you contact your insurer for treatment authorisation.

No, there is no excess fee for utilising these services.

Excess adjustments can be made at specific intervals during your policy term.

No claims discounts can impact renewal costs based on claims history.

Pre-existing conditions typically aren't covered but can be discussed with our healthcare specialists.

This involves health-related questions before policy enrolment to determine coverage.

Moratorium underwriting simplifies enrolment but may require health disclosures during claims.

Claims may require additional information if under moratorium underwriting.

Pre-existing conditions refer to medical issues existing before policy inception. A pre-existing condition is anything you've previously had medical treatment for, such as diabetes, heart disease, or asthma. Most insurance providers consider any condition you've had symptoms or treatment for in the past five years as pre-existing. Our experts at WeCovr can help you understand how pre-existing conditions affect your policy options.

While some insurance providers automatically renew your private healthcare cover, it's beneficial to compare policies when yours is about to end. This ensures you're still getting the best deal for the coverage you need. Our experts at WeCovr can assist you in finding the right policy for you.

Typically, you must be over 18 to take out your own policy, but minors can usually be included in a family policy. There may also be an upper age limit for private health insurance, and premiums typically increase with age. Our experts at WeCovr can provide guidance on age-related policy aspects.

Paying for health insurance annually often results in savings compared to monthly payments. However, this depends on your insurance provider. For help determining the most cost-effective option, consider consulting our experts at WeCovr.

If your employer offers private health insurance as part of your benefits package, you likely don't need additional cover. However, there may be limits on the cover you receive, and it may not extend to your entire family. Remember, any insurance you get through work only covers you while you're employed there.

If you don't have pre-existing conditions, a medical exam is usually not required. You'll just need to complete a medical history form and select your level of cover. However, if you're older, have a pre-existing condition, or lead an unhealthy lifestyle, a medical exam may be necessary. Our experts at WeCovr can clarify the requirements of different policies.

Many private health insurance providers now offer GP services, either digitally or face-to-face. This means you can often get a private GP appointment quickly, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer GP services.

With private health insurance, you can often secure a GP appointment much quicker than with traditional methods, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer quick GP appointment services.

Inpatient care refers to any treatment requiring a stay in a hospital or clinic for at least one night. Outpatient care refers to treatments or tests that don't require hospital admission, such as minor diagnostic tests or physiotherapy sessions. Our experts at WeCovr can help you understand the different types of care and find a policy that suits your needs.

Private health insurance covers your medical treatment if you fall ill, while critical illness cover provides additional financial help if you develop one of the critical illnesses listed in the policy, such as covering loss of income if you're unable to work. For assistance in understanding the differences and finding the right coverage, consult our experts at WeCovr.

Health insurance policies are designed for cover in the UK. For cover abroad, consider travel insurance for short trips or international health insurance for longer stays or if you have a holiday home overseas. Our experts at WeCovr can guide you in finding the appropriate coverage for your travel needs.

If your employer provides health insurance, it's considered a 'benefit in kind' and is not tax deductible. Your employer should calculate the tax you owe for your health insurance premiums and deduct it from your pay. There are some exceptions for small companies. For more information on tax implications, consider reaching out to our experts at WeCovr.

When you purchase a policy, you choose how much excess you pay, which is your contribution to the cost of treatment if you make a claim. The higher your excess, the lower your premium is likely to be. Our experts at WeCovr can help you understand how excess works and choose the right level for you.

These are two methods of underwriting a health insurance policy, relating to how insurance providers consider your pre-existing medical conditions when you take out cover. For help understanding the differences and choosing the right option for you, consult our experts at WeCovr.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Every year you don't make a claim gives you an extra year of no-claims discount, potentially reducing your premium when you renew. Our experts at WeCovr can help you find policies that offer no-claims discounts.

To find the best health insurance for you, compare various policies to find one that offers the features you need at a price you can afford. Consider your personal circumstances and what you want from your policy. Our experts at WeCovr can assist you in evaluating your options and selecting the right coverage for you.

If you need treatment, a GP referral is not always necessary. However, this depends on how you plan to pay for your treatment. Most hospitals will allow you to book appointments with a consultant without a GP referral if you are paying out-of-pocket. If you have private medical insurance, you'll need to check the terms of your policy to see whether your insurer requires you to consult with a GP first (most insurers do). Some policies offer a direct booking system without a referral for certain conditions, such as counseling for mental health issues.

Yes, you can obtain financing for a loan to cover the cost of surgery. Many private healthcare companies have partnerships with finance companies to allow you to spread the cost of private treatment over time. You could also explore getting an ordinary loan from your bank if this option proves to be more cost-effective for you.

WeCovr has conducted extensive research into the cost of private health insurance in the UK. Click the link to find out more detailed information.

Yes, you can continue to receive treatment through the NHS even if you have private health insurance and have received private treatment in the past. This could be for rehabilitation after private surgery or for treatment that is not covered by your health insurance policy. For example, some cosmetic surgeries may be available through the NHS but are generally not covered by private medical insurance.

This is a difficult question to answer definitively. There are certain services that cannot be obtained privately, such as emergency treatment at an Accident and Emergency (A&E) department. Many NHS consultants also practice privately, so you could potentially see the same consultant regardless of whether you choose private or public healthcare. However, private healthcare typically offers shorter waiting times, guaranteed private rooms, and more relaxed visiting hours. Additionally, you may have access to treatments and drugs that are not routinely available through the NHS.

Yes, you can self-refer to a private specialist without the need for a GP referral. However, the British Medical Association believes that in most cases, it is best practice to start with your GP, as they are familiar with your medical history.

Yes, if you have a health concern and pay for private tests and scans but cannot afford to have private surgery, you should be able to have your test results transferred to an NHS provider for treatment.

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