WeCovr.

Private Health Insurance for Insolvency Practitioners 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 that has helped arrange over 900,000 policies, WeCovr provides expert guidance on private medical insurance in the UK. This article explores specialist private health cover designed to meet the unique demands faced by insolvency practitioners, ensuring you can protect your health and your career. Specialist PMI designed for insolvency professionals The world of insolvency is defined by high stakes, tight deadlines, and immense pressure.

Key takeaways

  • Extreme Stress and Burnout: Juggling creditor meetings, legal challenges, and asset sales is mentally taxing. Chronic stress is a known contributor to conditions like heart disease, high blood pressure, and weakened immune function.
  • Long and Unpredictable Hours: The "9 to 5" rarely applies. Late nights and working weekends are common, leaving little time for rest, exercise, and healthy eating, which can lead to fatigue and poor physical health.
  • Mental Health Strain: Dealing with emotional business owners and employees, coupled with the pressure to achieve the best outcome from a bad situation, can lead to anxiety, depression, and other mental health conditions.
  • Sedentary Work: Much of your day is spent at a desk, in meetings, or travelling, increasing the risk of musculoskeletal issues like back pain and repetitive strain injury.
  • Chronic Condition: A long-term illness that cannot be cured but can be managed, such as diabetes, asthma, arthritis, or high blood pressure. These remain under the care of the NHS.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr provides expert guidance on private medical insurance in the UK. This article explores specialist private health cover designed to meet the unique demands faced by insolvency practitioners, ensuring you can protect your health and your career.

Specialist PMI designed for insolvency professionals

The world of insolvency is defined by high stakes, tight deadlines, and immense pressure. As an insolvency practitioner (IP), you navigate complex financial distress, manage competing stakeholder interests, and make critical decisions that impact businesses and individuals. This demanding environment takes a significant toll, not just mentally but physically.

Private Medical Insurance (PMI) is not a luxury in your profession; it's a strategic tool. It provides a vital safety net, ensuring that if you fall ill or get injured, you can bypass long NHS queues and get back to your clients and your firm with minimal disruption. This guide is designed specifically for UK insolvency professionals, explaining how to secure a health insurance policy that works as hard as you do.

The Unique Health Challenges of an Insolvency Practitioner

Your role is unlike any other. The constant exposure to stress, conflict, and financial turmoil creates a specific set of health risks.

  • Extreme Stress and Burnout: Juggling creditor meetings, legal challenges, and asset sales is mentally taxing. Chronic stress is a known contributor to conditions like heart disease, high blood pressure, and weakened immune function.
  • Long and Unpredictable Hours: The "9 to 5" rarely applies. Late nights and working weekends are common, leaving little time for rest, exercise, and healthy eating, which can lead to fatigue and poor physical health.
  • Mental Health Strain: Dealing with emotional business owners and employees, coupled with the pressure to achieve the best outcome from a bad situation, can lead to anxiety, depression, and other mental health conditions.
  • Sedentary Work: Much of your day is spent at a desk, in meetings, or travelling, increasing the risk of musculoskeletal issues like back pain and repetitive strain injury.

Any health issue, even a minor one, can have a major impact. Time off work means delayed cases, missed deadlines, and potential loss of income. This is why swift access to the best medical care is paramount.

What is Private Medical Insurance (PMI) and How Does It Work?

Before we delve into the specifics for IPs, let's clarify what PMI is. In simple terms, private medical insurance is a policy you pay for that covers the cost of private healthcare for acute conditions.

An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of conditions like hernias, cataracts, joint replacements, or appendicitis.

The Crucial Exclusion: Chronic and Pre-Existing Conditions

It is essential to understand a fundamental rule of all standard UK private medical insurance:

PMI does not cover chronic or pre-existing conditions.

  • Chronic Condition: A long-term illness that cannot be cured but can be managed, such as diabetes, asthma, arthritis, or high blood pressure. These remain under the care of the NHS.
  • Pre-existing Condition: Any illness, disease, or injury for which you have experienced symptoms, received medication, or sought advice before your policy start date.

PMI is designed to complement the NHS, not replace it. It provides a fast-track route for new, eligible medical problems that arise after you take out your policy.

Key PMI Benefits Tailored for Insolvency Practitioners

A well-chosen PMI policy offers tangible benefits that directly address the pressures of your profession.

  1. Rapid Access to Diagnostics and Specialists: NHS waiting lists for specialist consultations and diagnostic scans can be lengthy. The latest NHS England data from late 2024 showed a waiting list with over 7.5 million treatment pathways. For an IP, a long wait for an MRI or a consultation can mean months of uncertainty and impaired ability to work. PMI typically provides access within days or weeks.

  2. Choice and Control: You can choose your specialist and the hospital where you are treated from a nationwide network. This allows you to select leading consultants and facilities at a time and location that minimises disruption to your work schedule.

  3. Enhanced Mental Health Support: This is arguably one of the most critical components for an IP. Modern PMI policies go far beyond basic cover, offering comprehensive mental health pathways. This can include:

    • Direct access to therapists and counsellors without a GP referral.
    • Cover for psychiatric treatment, both as an in-patient and out-patient.
    • Access to digital mental health apps and 24/7 support lines.

  4. Reduced Business Disruption: A swift diagnosis and treatment mean you are back on your feet and back to managing your cases faster. This protects your income, your firm's reputation, and ensures continuity for your clients.

  5. Private and Comfortable Facilities: Being treated in a private room with an en-suite bathroom, flexible visiting hours, and better food allows for a more restful and dignified recovery, helping you to de-stress and recuperate effectively.

Real-Life Example for an IP

An experienced insolvency partner starts suffering from severe hip pain, making it difficult to sit for long periods or travel to client sites. Their GP suspects a torn labrum and refers them for an NHS MRI, with a potential 18-week wait, followed by another long wait for an orthopaedic surgeon.

With their PMI policy, they have a private MRI within a week. The diagnosis is confirmed, and they see a top-rated surgeon the following week. Keyhole surgery is scheduled for a fortnight later at a private hospital near their home. They are back to work, managing their recovery with physiotherapy (also covered), within six weeks. The total downtime is a fraction of what it would have been on the NHS, preventing major disruption to several high-value insolvency cases.

Building Your Ideal PMI Policy: Core Cover and Add-ons

PMI policies are modular, allowing you to build a plan that suits your specific needs and budget. It starts with a core foundation, which you can enhance with optional extras.

Policy ComponentWhat It Typically CoversRelevance for an Insolvency Practitioner
Core CoverIn-patient and day-patient treatment costs. This includes hospital fees, surgeon and anaesthetist fees, and diagnostic tests while admitted.Essential. This is the foundation of any policy, covering you for surgery and major treatments that require a hospital stay.
Out-patient CoverConsultations with specialists, diagnostic scans (MRI, CT, PET), and tests performed before you are admitted to hospital.Highly Recommended. This is the "speed" element. It gets you a diagnosis quickly, which is crucial for minimising uncertainty and work disruption.
Mental Health CoverAccess to counsellors, therapists, psychologists, and psychiatrists. May cover both out-patient therapy and in-patient care.Crucial. Given the high-stress nature of the role, robust mental health cover is non-negotiable for most IPs.
Therapies CoverPhysiotherapy, osteopathy, chiropractic, and sometimes acupuncture for musculoskeletal issues.Very Useful. Addresses the physical toll of a desk-based job, helping manage back pain, neck strain, and other common ailments.
Dental & OpticalCover for routine check-ups, emergency dental work, and contributions towards glasses or contact lenses.Personal Choice. A good "nice-to-have" for comprehensive cover, but less critical than the medical components.
Travel CoverWorldwide medical cover for business and leisure trips.Convenient. Can be a cost-effective way to get comprehensive travel insurance, especially if you travel frequently for work or holidays.

An expert broker, such as WeCovr, can help you analyse these options and determine the perfect blend of cover for your circumstances without overpaying for benefits you don't need.

Understanding Underwriting: The Health Questions

When you apply for PMI, the insurer needs to know about your medical history to decide what they will cover. This process is called underwriting. There are two main types for new policies.

  1. Full Medical Underwriting (FMU):

    • How it works: You complete a detailed health questionnaire, disclosing your full medical history.
    • The result: The insurer gives you a clear list of any specific exclusions from the outset. You know exactly what is and isn't covered.
    • Best for: People who want complete certainty from day one and have a relatively clean medical history.

  2. Moratorium Underwriting (Mori):

    • How it works: You don't fill out a medical questionnaire. Instead, the insurer applies a general rule. They will not cover any condition you've had symptoms of, or sought treatment for, in the five years before the policy started.
    • The "rolling" part: However, if you go for two continuous years on the policy without any symptoms, treatment, or advice for that condition, it may become eligible for cover.
    • Best for: People who want a quicker application process and haven't had any significant medical issues in the last few years.

Choosing the right underwriting is a critical decision. A moratorium policy might seem simpler, but it can lead to uncertainty when you need to make a claim. FMU provides clarity from the start.

How Much Does Private Health Insurance Cost for IPs?

The cost of a PMI policy is highly individual. Insurers calculate your premium based on several factors:

  • Age: Premiums increase as you get older.
  • Location: Treatment in central London is more expensive than elsewhere, so postcodes can affect the price.
  • Level of Cover: The more add-ons you choose (like out-patient, mental health, therapies), the higher the premium.
  • Excess: This is a fixed amount you agree to pay towards any claim (e.g., £100, £250, £500). A higher excess will lower your premium.
  • Hospital List: Policies offer different tiers of hospitals. A list that includes prime central London hospitals will be more expensive than one that excludes them.

To give you an idea, here are some example monthly premiums for a non-smoking insolvency professional living outside London.

Example Monthly PMI Premiums (Illustrative Only)

AgeCore Cover + Mid-level Out-patient (£250 Excess)Comprehensive Cover (inc. Mental Health & Therapies, £100 Excess)
35£55 - £75£90 - £120
45£70 - £95£120 - £160
55£100 - £140£180 - £250

These are estimates for 2025 and can vary significantly between providers and based on individual circumstances.

Beyond Treatment: Wellness Programmes and Added Value

The best PMI providers in the UK now focus as much on prevention as they do on cure. They offer extensive wellness programmes designed to keep you healthy. For a busy professional, these benefits can be incredibly valuable.

  • Discounted Gym Memberships: Encouraging you to stay active.
  • Health Screenings: Proactive checks to catch potential issues early.
  • Digital GP Services: 24/7 access to a GP via phone or video call, perfect for when you're too busy for a face-to-face appointment.
  • Wellness Apps: Tools for mindfulness, nutrition, and fitness tracking.

As a WeCovr client, you also get complimentary access to our powerful AI-driven calorie and nutrition tracking app, CalorieHero, helping you manage your diet effectively even with a hectic schedule. Furthermore, customers who purchase private medical or life insurance through WeCovr may be eligible for discounts on other types of cover, such as home or business insurance.

Comparing Top UK PMI Providers

Several major insurers dominate the UK market. Each has its strengths, particularly in areas relevant to professionals.

ProviderKey Strengths for ProfessionalsWellness Programme Highlights
BupaExtensive hospital network, strong mental health support, and a trusted brand name.Bupa Touch app with health information and rewards.
AXA HealthFlexible policy options, excellent digital GP service, and a strong focus on clinical pathways.ActivePlus programme with gym discounts and health support.
VitalityUnique wellness-linked model that rewards healthy behaviour with premium discounts and other perks.The Vitality Programme (Apple Watch, cinema tickets, coffee).
AvivaComprehensive cover options, including a full "Healthier Solutions" policy, and a strong UK presence.Aviva DigiCare+ app providing a range of health and wellbeing services.

This table is a simplified overview. The "best" provider depends entirely on your personal needs, budget, and priorities. This is where the impartial advice of a PMI broker becomes invaluable.

Practical Health & Wellness Tips for the Busy IP

While insurance is your safety net, proactive self-care is your first line of defence.

  • Schedule "Admin" Time for Your Health: Block out time in your diary for exercise, meal prep, or even just a 15-minute walk, just as you would for a client meeting.
  • Master Stress Management: Find a technique that works for you. This could be mindfulness apps (like Headspace or Calm), regular exercise, or a hobby completely unrelated to work. Recognise the signs of burnout early.
  • Optimise Your Sleep: Aim for 7-9 hours of quality sleep. Avoid screens an hour before bed, keep your bedroom cool and dark, and try to maintain a consistent sleep schedule, even on weekends.
  • Nutrition on the Go: Avoid relying on service station snacks and takeaways. Consider a healthy meal delivery service or spend an hour on Sunday prepping healthy lunches and snacks for the week.
  • Stay Active at Your Desk: A sedentary job doesn't have to be a sentence to back pain. Use a standing desk, take regular breaks to walk and stretch, and consider "walking meetings" by phone when possible.

Company PMI vs. Individual Policy: What's Right for You?

How you arrange your PMI can depend on your firm's structure.

  • Individual Policy: You buy and own the policy yourself. This gives you maximum control and portability if you change jobs. Ideal for sole practitioners or partners in a firm without a group scheme.
  • Small Business PMI (2-249 employees): If you are a partner or run your own firm, a group scheme can be a tax-efficient and cost-effective way to cover yourself and your key staff. Premiums are often lower than individual policies, and underwriting can be more generous. For instance, some group schemes offer Medical History Disregarded (MHD) underwriting, which covers pre-existing conditions—a benefit rarely available on individual plans.
  • Large Corporate Scheme: If you work for a large firm, you may be offered PMI as a benefit. Be sure to review the cover details, as it may be a basic policy that you might want to top up personally.

A specialist broker can advise on the most tax-efficient and appropriate structure for your situation, whether you're a sole trader, a partner in an LLP, or a director of a limited company.

Why Use a Specialist Broker like WeCovr?

The UK private medical insurance market is complex. Trying to compare policies yourself can be overwhelming, and you risk choosing the wrong cover or paying too much. An independent broker works for you, not the insurer.

  • Expert, Impartial Advice: WeCovr is authorised and regulated by the Financial Conduct Authority (FCA). Our expert advisors understand the nuances of the market and can help you find a policy that is genuinely tailored to the demands of your profession.
  • Market-Wide Comparison: We compare plans from across the market, giving you a comprehensive overview of your options. This service comes at no cost to you.
  • High Customer Satisfaction: Our focus on clear, honest advice has earned us high ratings on independent customer review platforms.
  • Hassle-Free Process: We handle the application process for you and are there to offer support if you ever need to make a claim.
  • Annual Reviews: We don't just sell you a policy and disappear. We'll contact you each year to review your cover, ensuring it still meets your needs and represents the best value available.

Does private health insurance cover pre-existing conditions for insolvency practitioners?

Generally, no. Standard UK private medical insurance, whether for an individual or a small group, is designed to cover new, acute conditions that arise after your policy begins. It explicitly excludes pre-existing conditions (ailments you've had symptoms of or treatment for before joining) and chronic conditions (long-term manageable illnesses like diabetes). The NHS remains your primary provider for these.

Is mental health treatment covered by PMI in the UK?

Yes, most modern private health insurance policies offer mental health cover, often as a standard benefit or a crucial add-on. Given the high-stress nature of insolvency work, this is a vital component. Cover can range from access to digital therapy and counselling sessions to full cover for out-patient consultations with psychologists and in-patient psychiatric care. It's important to check the specific limits and pathways offered by each insurer.

As a partner in a firm, should I get a personal policy or a group one?

This depends on your firm's size and goals. A group policy for two or more people (including partners) can be more cost-effective and may offer better underwriting terms than an individual policy. It's also a valuable employee benefit that can help attract and retain key staff. However, an individual policy offers greater personal control and is portable if you leave the firm. A specialist broker can provide a tailored comparison to see which is more financially and practically beneficial for you and your partners.

How can I lower the cost of my private medical insurance premium?

There are several ways to manage the cost of your PMI premium. You can opt for a higher excess (the amount you pay towards a claim), choose a more restricted hospital list that excludes the most expensive central London facilities, or select a policy with a "guided" option where the insurer chooses the specialist you see. Additionally, comparing the market each year with a broker ensures you are always on a competitively priced plan.

Your health is your most valuable asset. In a profession as demanding as insolvency, protecting it is a sound business decision. Let us help you find the right private medical insurance to give you peace of mind and the fast, high-quality care you deserve.

Get your free, no-obligation quote from a WeCovr expert today and take the first step towards securing your health and your career.

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

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!