WeCovr.

Private Health Insurance for HR Administrators in the UK

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

Best Private Health Insurance UK 2026

Read

Average Cost of PMI (UK)

Read

PMI Provider Reviews

Read



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

TL;DR

As an FCA-authorised broker with over 900,000 policies arranged, WeCovr provides expert guidance on private medical insurance in the UK. This comprehensive guide is designed for HR administrators, offering specialist insights into securing personal health cover while enhancing your professional understanding of employee benefits. Specialist PMI for human resources support staff As an HR administrator, you are the backbone of your organisation's people strategy.

Key takeaways

  • Choice of Specialist: You can research and choose the consultant you want to see.
  • Choice of Hospital: Policies offer a list of high-quality private hospitals, allowing you to select one that is convenient or has a reputation for excellence in a specific field.
  • Flexible Appointment Times: Schedule appointments around your demanding work schedule, not the other way around.
  • Private, Comfortable Facilities: Recover in a private room with an en-suite bathroom, visitor flexibility, and better food choices, creating a more restful healing environment.
  • Contribute intelligently to discussions about policy benefits and limitations.

As an FCA-authorised broker with over 900,000 policies arranged, WeCovr provides expert guidance on private medical insurance in the UK. This comprehensive guide is designed for HR administrators, offering specialist insights into securing personal health cover while enhancing your professional understanding of employee benefits.

Specialist PMI for human resources support staff

As an HR administrator, you are the backbone of your organisation's people strategy. You manage payroll, oversee recruitment, and are often the first point of contact for employee wellbeing. This demanding role requires you to be at your best, both physically and mentally. Private Medical Insurance (PMI) is not just a valuable perk; it's a strategic tool for managing your own health and a key area of knowledge for excelling in your career.

This article explores private health insurance from a unique dual perspective: as a personal health solution for busy HR professionals and as a crucial component of the employee benefits packages you may one day manage. We'll demystify the complexities of the UK PMI market, providing you with the clarity needed to make informed decisions for yourself and, potentially, for your entire company.

Why Should HR Administrators Consider Private Health Insurance?

In the fast-paced world of human resources, your health is your most valuable asset. The pressure to support your colleagues can sometimes mean your own wellbeing takes a backseat. Here’s why a personal PMI policy is a particularly savvy investment for anyone in an HR role.

1. Bypass NHS Waiting Lists

The NHS is a national treasure, but it is under immense pressure. According to the latest data from NHS England, the waiting list for routine consultant-led hospital treatment stands at several million. This can mean long, anxious waits for diagnostics, consultations, and procedures.

Real-world example: An HR administrator suffering from persistent knee pain might wait months for an NHS MRI scan and a subsequent orthopaedic consultation. With PMI, they could potentially see a specialist and have the scan within a week or two, leading to a faster diagnosis and treatment plan. This minimises personal discomfort and reduces time off work.

2. Gain Control and Choice

PMI puts you in control of your healthcare journey. Key benefits include:

  • Choice of Specialist: You can research and choose the consultant you want to see.
  • Choice of Hospital: Policies offer a list of high-quality private hospitals, allowing you to select one that is convenient or has a reputation for excellence in a specific field.
  • Flexible Appointment Times: Schedule appointments around your demanding work schedule, not the other way around.
  • Private, Comfortable Facilities: Recover in a private room with an en-suite bathroom, visitor flexibility, and better food choices, creating a more restful healing environment.

3. Enhance Your Professional Expertise

Understanding PMI from a consumer's perspective gives you a powerful advantage in your role. When your organisation considers implementing or reviewing a group health scheme, your firsthand knowledge will be invaluable. You'll be able to:

  • Contribute intelligently to discussions about policy benefits and limitations.
  • Better explain the value of the health benefit to new and existing employees.
  • Confidently answer queries from colleagues about how the insurance works.

4. Prioritise Mental Health

HR roles can be emotionally taxing. You handle sensitive employee issues, manage conflicts, and navigate organisational change. Many modern PMI policies offer robust mental health support as a core benefit or an affordable add-on. This can include access to counselling, therapy sessions, and psychiatric care without a long wait, providing crucial support when you need it most.

Understanding the Basics of UK Private Medical Insurance

Before diving into policy specifics, it's essential to grasp the fundamental principles of PMI in the UK. Many people misunderstand what it is designed for.

The Golden Rule of PMI: Private medical insurance is designed to cover acute conditions that arise after you take out your policy.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include joint pain requiring a hip replacement, cataracts, or hernias.
  • A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, has no known cure, requires ongoing management, or is likely to recur. Examples include diabetes, asthma, and high blood pressure.

Crucially, standard UK private health insurance does not cover chronic conditions or pre-existing conditions. If you have a condition before you buy the policy, it will be excluded from cover, at least initially.

Key Terminology Explained

TermPlain English ExplanationExample
UnderwritingThe process an insurer uses to assess your health risk and decide what they will and won't cover.You'll be asked health questions or a waiting period will be applied to pre-existing conditions.
Moratorium UnderwritingThe most common type. You don't declare your full medical history upfront. Instead, the insurer excludes any condition you've had symptoms of or treatment for in the last 5 years. This exclusion can be lifted if you go 2 full years on the policy without needing treatment, advice, or medication for that condition.You had physiotherapy for a bad back 3 years ago. Your new policy won't cover back problems for the first 2 years. If your back is fine during that time, it may become eligible for cover afterwards.
Full Medical Underwriting (FMU)You complete a detailed health questionnaire. The insurer reviews your medical history and tells you exactly what is excluded from day one. These exclusions are often permanent.You declare you have hay fever. The insurer writes back confirming your policy is active but will permanently exclude any treatment related to allergies.
ExcessA fixed amount you agree to pay towards the cost of a claim each policy year. A higher excess typically results in a lower monthly premium.Your policy has a £250 excess. Your first claim of the year is for a £2,000 procedure. You pay the first £250, and the insurer pays the remaining £1,750.
Hospital ListThe list of hospitals and clinics where you can receive treatment under your policy. Insurers offer different tiers of lists, with more comprehensive (and expensive) options including prime central London hospitals.
In-patient / Day-patientIn-patient: Treatment that requires a hospital bed overnight. Day-patient: Treatment that requires a hospital bed for the day but not overnight (e.g., minor surgery). These are covered by all core PMI policies.
Out-patientConsultations, diagnostic tests (like MRI/CT scans), and therapies that do not require a hospital bed. This is often an optional add-on or has a set financial limit on a core policy.

How Does PMI Benefit HR Professionals in Their Role?

Beyond personal peace of mind, a deep understanding of private health insurance can significantly elevate your contribution as an HR administrator and pave the way for career progression into benefits management or HR business partner roles.

1. Informed Procurement and Management: If your company tasks you with researching a group PMI scheme, your knowledge becomes a tangible asset. You'll be able to compare providers not just on price, but on the nuances of their offerings: * What are the differences in their cancer cover pathways? * How comprehensive is their mental health support? * Does their hospital list suit the geographic spread of your employees? * Is their underwriting style (e.g., Medical History Disregarded, common in group schemes) a good fit for your workforce?

2. Effective Employee Communication: You can become the go-to person for explaining the company's health benefits. When a colleague asks, "What does our PMI actually cover?" you can provide a clear, confident answer, helping them maximise the value of their benefit and fostering goodwill.

3. Strategic Input on Employee Value Proposition (EVP): A strong benefits package is a cornerstone of attracting and retaining top talent. Your insight into PMI allows you to contribute to strategic discussions about your company's EVP. You can argue the case for investing in health benefits by linking them to key HR metrics like employee engagement, productivity, and reduced absenteeism.

Working with a specialist PMI broker like WeCovr can further amplify this. We help businesses of all sizes navigate the complexities of group health insurance, ensuring you get a scheme that offers genuine value to your employees while respecting your budget.

Core Components of a Typical PMI Policy

PMI policies are built on a "core and add-on" structure. This allows you to tailor the cover to your specific needs and budget.

Coverage TypeWhat It Typically IncludesIs It Core or Optional?
Core CoverIn-patient and day-patient treatment costs (hospital fees, specialist fees, anaesthetist fees). Extensive cancer cover, including surgery, chemotherapy, and radiotherapy. Some out-patient diagnostics after a specialist referral. A 24/7 digital GP service.Core (Standard)
Out-patient CoverSpecialist consultations, diagnostic scans and tests (MRI, CT, PET), and pre-admission pathology.Optional Add-on (or a limited amount included in core). This is the most popular add-on as it speeds up diagnosis.
Therapies CoverPhysiotherapy, osteopathy, chiropractic treatment, and sometimes podiatry. Often has a limit on the number of sessions.Optional Add-on
Mental Health CoverAccess to counsellors, therapists, and psychiatrists for in-patient, day-patient, and out-patient treatment.Optional Add-on (though some basic support lines are often in core cover).
Dental & Optical CoverA cashback benefit towards routine dental check-ups, hygiene visits, and the cost of glasses or contact lenses. Usually doesn't cover major restorative work.Optional Add-on

Choosing the right combination of these elements is key. For example, if you are active and concerned about sports injuries, therapies cover would be a priority. If you want the fastest possible journey from symptom to diagnosis, comprehensive out-patient cover is essential.

The UK PMI market is mature and competitive, dominated by a few key players. While they all offer similar core products, they each have a distinct focus and philosophy.

ProviderKey Feature / Market FocusGood For...
AXA HealthDoctor-led approach with a focus on clinical pathways and access to their "Guided Option" for potential premium savings. Strong digital tools.Individuals who value a structured, clinically-led journey and digital integration.
BupaThe UK's most well-known health insurer with a vast network of hospitals and clinics, including their own facilities. Offers comprehensive cancer care.Those seeking brand recognition, an extensive network, and direct access to cancer support.
VitalityUnique wellness-based model that rewards healthy living. Members earn points for being active, which can lead to lower premiums and other rewards like cinema tickets or coffee.Proactive individuals who want to be rewarded for staying healthy and are happy to engage with the wellness programme.
AvivaA major UK insurer offering a strong, straightforward PMI product. Their "Expert Select" hospital option can reduce costs, and they have a good reputation for customer service.People looking for a reliable, well-regarded insurer with flexible policy options.

Choosing between them can be overwhelming. This is where an independent PMI broker is indispensable. WeCovr has expert knowledge of all these providers and more. We compare the entire market on your behalf to find the policy that best matches your needs and budget, at no cost to you.

How to Choose the Right PMI Policy: A Step-by-Step Guide

Follow this structured process to find the private health cover that's right for you.

  1. Define Your Priorities and Budget:

    • What is the maximum you are willing to pay per month?
    • What is most important to you? Fast access to diagnostics? Choice of hospital? Mental health support? Rank your priorities.

  2. Choose Your Underwriting Method:

    • Moratorium: Quicker to set up, less paperwork. Ideal if you have a clean bill of health or only minor past issues.
    • Full Medical Underwriting (FMU): More admin upfront, but provides absolute certainty on what is and isn't covered from day one. Better if you have a more complex medical history.

  3. Select a Hospital List:

    • Check the postcodes of your home and workplace.
    • Review the hospital lists offered by insurers to ensure convenient, high-quality private hospitals are included. If you live outside a major city, a national list is crucial. A London-centric list will be more expensive.

  4. Set Your Excess Level:

    • Illustrative estimate: Choose an excess you could comfortably afford if you needed to make a claim (£0, £100, £250, £500, £1000).
    • Remember: a higher excess lowers your monthly premium. A £250 or £500 excess often represents the best balance of savings and affordability.

  5. Decide on Optional Add-ons:

    • Out-patient: Highly recommended for speeding up diagnosis.
    • Therapies: A must if you play sports or have a history of musculoskeletal issues.
    • Mental Health: A wise choice given the pressures of modern life and the HR profession.

  6. Speak to an Expert Broker:

    • This is the most crucial step. A broker does all the hard work for you. They will take your requirements from the steps above and query the entire market to find the best PMI provider and policy for your unique circumstances. An expert like WeCovr can also explain the fine print and ensure there are no surprises.

The Cost of Private Health Insurance in the UK

Premiums for private medical insurance in the UK are highly personalised. The final price depends on a combination of factors:

  • Age: The single biggest factor. Premiums increase as you get older.
  • Location: Living in or near London and other major cities with expensive private hospitals increases the cost.
  • Level of Cover: A basic, in-patient-only policy is cheapest. A comprehensive policy with full out-patient, therapies, and mental health cover is most expensive.
  • Excess: A higher excess directly reduces your premium.
  • Hospital List: A list including prime London hospitals costs more than a national list that excludes them.
  • Lifestyle: Some insurers may ask about smoking status, with non-smokers receiving better rates.

To give you an idea, here are some illustrative monthly costs for a non-smoker. Please note these are examples only and not a quote.

AgeLocation (Example)Basic Cover (In-patient, £500 excess)Comprehensive Cover (Full Out-patient, £250 excess)
30Leeds£40 - £55£70 - £90
40Bristol£55 - £70£95 - £120
50Outer London£80 - £105£140 - £180

The only way to get an accurate price is to get a personalised quote based on your specific details.

Wellness Benefits and Added Value: More Than Just Medical Treatment

The modern PMI market has evolved beyond simply paying for treatment when you're ill. Insurers are now heavily invested in helping you stay healthy in the first place. These "value-added" benefits can be incredibly useful and are often included as standard.

  • 24/7 Digital GP: Speak to a GP via video call or phone, often within hours. Get advice, referrals, and prescriptions without leaving your home or office. This is a game-changer for busy professionals.
  • Mental Health Support Lines: Confidential helplines staffed by trained counsellors, available 24/7 for in-the-moment support.
  • Wellness Apps & Discounts: Many insurers offer apps with health advice, fitness tracking, and rewards. Vitality is the leader here, but others like Aviva and AXA also provide gym discounts and other perks.
  • Second Opinion Services: If you receive a serious diagnosis, some policies allow you to get a second opinion from a world-leading expert at no extra cost.

At WeCovr, we enhance this value further. When you take out a private medical or life insurance policy with us, you get:

  • Complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app to help you manage your diet and health goals.
  • Exclusive discounts on other insurance products, such as life insurance or income protection, helping you build a complete financial safety net for less.

Group PMI Schemes vs. Individual Policies: An HR Perspective

As an HR administrator, it's useful to understand the distinction between the individual policy you might buy for yourself and a group scheme your company might offer.

FeatureIndividual PMI PolicyGroup PMI Scheme (for Businesses)
Who buys it?An individual for themselves and/or their family.A company for its employees.
CostPaid for by the individual.Paid for by the employer (can be a P11D/taxable benefit). Often cheaper per head due to scale.
UnderwritingUsually Moratorium or Full Medical Underwriting. Pre-existing conditions are excluded.Often "Medical History Disregarded" (MHD) for schemes over 20 employees. This means pre-existing conditions are covered, which is a huge benefit.
PortabilityYou own the policy. It stays with you if you change jobs.Cover is tied to your employment and ceases when you leave the company (though you can often continue it on a personal basis).
FlexibilityYou have 100% control over the cover level, hospital list, and excess.The company chooses a single level of cover for all employees (or different tiers for different job grades).

If your company offers a group PMI scheme, it is almost always worth joining, especially if it has MHD underwriting. If not, or if the cover is very basic, a personal policy is an excellent way to secure comprehensive protection.

Does UK private health insurance cover pre-existing conditions?

Generally, no. Standard private medical insurance in the UK is designed for new, acute medical conditions that arise after your policy begins. Pre-existing conditions (any illness or injury you had before taking out the cover) are typically excluded. The main exception is on some company "group schemes" which may offer "Medical History Disregarded" underwriting, where pre-existing conditions can be covered.

What is the difference between moratorium and full medical underwriting?

Moratorium underwriting is the most common and requires no initial health questionnaire. It automatically excludes treatment for any condition you've had in the five years before joining. Full Medical Underwriting (FMU) involves completing a detailed health form. The insurer then provides a list of specific, often permanent, exclusions based on your medical history, giving you complete clarity from day one.

Can I add my family to my private health insurance policy?

Yes, virtually all UK private health insurance providers allow you to add your partner and dependent children to your policy. This can often be more convenient and sometimes more cost-effective than arranging separate policies for each family member. You can choose to have everyone on the same level of cover or tailor it for each person.

Is mental health treatment covered by PMI?

Most modern PMI policies offer mental health cover, but the level of cover varies significantly. Basic policies may only include a support helpline, while comprehensive policies or those with a mental health add-on will cover out-patient therapy, counselling, and in-patient psychiatric care. It is a crucial benefit to check when comparing policies.

Take the Next Step

As an HR administrator, you appreciate the value of investing in people. Now is the time to invest in yourself. Gaining fast access to high-quality healthcare gives you peace of mind and protects you against the disruption of long waiting lists, allowing you to stay focused on your important role.

Ready to explore your options? Contact WeCovr today. Our friendly, expert advisors will provide a free, no-obligation comparison of the UK's leading insurers, tailored to your needs as an HR professional. Let us handle the complexity, so you can get the right cover at the best price.

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

Private Health Insurance for Legal Administrators in the UK
Private Health Insurance for Legal Administrators in the UK
Read more →
Private Health Insurance for Office Administrators in the UK
Private Health Insurance for Office Administrators in the UK
Read more →
Private Health Insurance for School Administrators in the UK
Private Health Insurance for School Administrators in the UK
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!