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Private Health Insurance for Insurance Brokers in the UK

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
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TL;DR

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the UK insurance landscape. This expert guide on private medical insurance is designed for fellow brokers, providing the insights you need to advise clients confidently in a growing market where expert guidance is paramount. WeCovr's guide to PMI for fellow insurance professionals Welcome.

Key takeaways

  • Holistic Advice: Offering PMI demonstrates that you care about your client's overall wellbeing, not just their property or business. It positions you as a comprehensive risk advisor.
  • Client Retention: When a client asks about health insurance, being able to provide immediate, knowledgeable guidance (or refer them to a specialist partner like WeCovr) strengthens their loyalty. Sending them elsewhere could mean losing them altogether.
  • New Revenue Streams: PMI can be a lucrative addition to your portfolio, both through individual policies and, crucially, through group schemes for your commercial clients.
  • Cross-Selling: A conversation about health naturally leads to discussions about other protection products, such as income protection and life insurance. At WeCovr, we often find that clients who purchase PMI are also interested in these related products, and we are happy to offer discounts on bundled policies.
  • 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 replacements, cataract surgery, hernia repairs, and treatment for many types of cancer.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the UK insurance landscape. This expert guide on private medical insurance is designed for fellow brokers, providing the insights you need to advise clients confidently in a growing market where expert guidance is paramount.

WeCovr's guide to PMI for fellow insurance professionals

Welcome. As insurance professionals, we share a common goal: to provide our clients with the best possible protection and peace of mind. You might be a specialist in home, motor, or commercial liability, but your clients see you as their trusted insurance advisor for all their needs. Increasingly, one of those needs is private medical insurance (PMI).

The UK's health landscape is changing. With growing pressure on the NHS, more individuals and businesses are exploring private healthcare options than ever before. This presents a significant opportunity for you to deepen client relationships, add value, and expand your business.

This guide is written by brokers, for brokers. We'll cut through the jargon and provide a clear, comprehensive overview of the UK PMI market, empowering you to have informed conversations with your clients and help them navigate their options effectively.

Why Insurance Brokers Need a Solid Grasp of the UK PMI Market

Ignoring private health cover is no longer an option for the modern, client-focused broker. The demand is real, and the reasons are compelling.

According to the latest data from NHS England, the elective care waiting list remains a significant concern. In mid-2024, the list stood at over 7.5 million treatment pathways. For many people, the prospect of waiting months or even longer for diagnosis and treatment is a powerful motivator to seek private alternatives.

The Opportunity for You:

  • Holistic Advice: Offering PMI demonstrates that you care about your client's overall wellbeing, not just their property or business. It positions you as a comprehensive risk advisor.
  • Client Retention: When a client asks about health insurance, being able to provide immediate, knowledgeable guidance (or refer them to a specialist partner like WeCovr) strengthens their loyalty. Sending them elsewhere could mean losing them altogether.
  • New Revenue Streams: PMI can be a lucrative addition to your portfolio, both through individual policies and, crucially, through group schemes for your commercial clients.
  • Cross-Selling: A conversation about health naturally leads to discussions about other protection products, such as income protection and life insurance. At WeCovr, we often find that clients who purchase PMI are also interested in these related products, and we are happy to offer discounts on bundled policies.

For your clients, private medical insurance isn't a luxury; it's a practical tool for managing their health and getting back on their feet quickly. For you, it's a vital component of a modern insurance brokerage.

Understanding the Core Principles of Private Medical Insurance

Before advising clients, it's essential to grasp the fundamental principle of PMI in the UK. This is the single most important concept to communicate clearly to avoid future disappointment.

CRITICAL POINT: PMI is for Acute, Not Chronic or Pre-existing, Conditions.

Standard UK private medical insurance is designed to cover the diagnosis and treatment of acute conditions that arise after your policy has started.

  • 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 replacements, cataract surgery, hernia repairs, and treatment for many types of cancer.
  • A chronic condition is an illness that cannot be cured, only managed. This includes conditions like diabetes, asthma, high blood pressure, and arthritis. PMI does not cover the routine management of chronic conditions.
  • A pre-existing condition is any illness or injury for which you have experienced symptoms, received medication, or sought advice before the start of your policy. These are typically excluded from cover, at least initially.

How Underwriting Affects Cover for Pre-Existing Conditions

When a client applies for PMI, the insurer needs to understand their medical history to determine what they will and will not cover. There are two main ways they do this:

Underwriting TypeHow It WorksBest For
Moratorium (Mori)This is the most common type. The client doesn't need to declare their full medical history upfront. Instead, the insurer automatically excludes any condition that existed in the 5 years prior to the policy start date. An exclusion can be lifted if the client serves a continuous 2-year period after their policy starts without having any symptoms, treatment, medication or advice for that condition.Clients who want a quicker, less intrusive application process and haven't had significant medical issues in the past 5 years.
Full Medical Underwriting (FMU)The client completes a detailed health questionnaire, declaring their medical history. The insurer then reviews this and states precisely what will be excluded from cover from day one. These exclusions are typically permanent.Clients who want absolute clarity on what is and isn't covered from the outset, or those with a complex medical history.

A third type, Continued Personal Medical Exclusions (CPME), is used when a client switches from one PMI provider to another, allowing them to carry over their existing underwriting terms.

Key Features and Jargon Demystified for Brokers

A PMI policy is built from a core foundation with optional layers. Understanding these building blocks is key to tailoring a policy to a client's specific needs and budget.

Core Cover: The Foundation

Nearly all UK PMI policies include the following as standard:

  • In-patient Treatment: Covers costs when admitted to a hospital bed overnight, including surgery, accommodation, and specialist fees.
  • Day-patient Treatment: Covers procedures where a hospital bed is required for the day but not overnight (e.g., an endoscopy).
  • Cancer Cover: This is a major pillar of PMI. Most policies offer comprehensive cover for the diagnosis and treatment of cancer, including surgery, chemotherapy, and radiotherapy. The level of cover can vary, so it's a key area to compare.

Optional Extras: Tailoring the Policy

Clients can add extras to enhance their cover, though each will increase the premium.

  • Out-patient Cover: This is the most common and valuable add-on. It covers diagnostic tests and consultations with a specialist that do not require a hospital bed. Without this, a client may still face a long NHS wait for an initial diagnosis, even if the subsequent treatment would be private. Cover is often limited to a set monetary amount per year (e.g., £500, £1,000, or unlimited).
  • Therapies: Covers treatments like physiotherapy, osteopathy, and chiropractic care.
  • Mental Health Cover: Provides access to psychiatrists, psychologists, and therapists. This is an increasingly sought-after benefit.
  • Dental and Optical Cover: Helps with routine check-ups, treatments, and the cost of glasses or contact lenses.

Policy Levers: Managing the Premium

These are adjustments a client can make to control the cost of their policy.

Policy LeverHow It WorksImpact on Premium
ExcessThe amount the client agrees to pay towards the first claim they make in a policy year (e.g., £0, £100, £250, £500).Higher excess = Lower premium.
Hospital ListInsurers group hospitals into tiers. A comprehensive list includes prime central London hospitals and is the most expensive. A reduced list, excluding these, will lower the cost.More restricted list = Lower premium.
6-Week OptionIf the NHS can provide the required in-patient treatment within 6 weeks of it being recommended, the client agrees to use the NHS. If the wait is longer, the PMI policy kicks in.Adding this option = Significant premium reduction.
Guided OptionsSome insurers (like Aviva's 'Expert Select' or AXA's 'Guided' option) offer a lower premium in return for the client agreeing to use a specialist from a pre-approved list provided by the insurer.Agreeing to a guided list = Lower premium.

A specialist broker like WeCovr can model these different options in real-time, instantly showing clients how changing their excess or hospital list affects their monthly premium across multiple providers.

The UK PMI market is dominated by a handful of excellent providers, each with its own strengths and focus. As a broker, knowing their general market position is helpful.

ProviderGeneral Focus & Key Strengths
BupaOne of the most recognised health brands in the UK. Known for its extensive network of hospitals and facilities and a strong focus on comprehensive cancer care. Often seen as a benchmark for quality.
AXA HealthA global insurance giant with a strong UK presence. Offers a wide range of flexible policies and is known for its excellent digital tools and member support, including a 24/7 virtual GP service.
AvivaThe UK's largest general insurer. Provides robust, straightforward PMI policies with clear terms. Their 'Expert Select' guided option is a popular way to manage costs.
VitalityUnique in the market for its focus on wellness and prevention. The Vitality Programme rewards members with discounts and perks (e.g., cheap gym memberships, free coffee) for staying active and healthy. Appeals to younger, health-conscious clients.
The ExeterA friendly society known for its flexible underwriting, particularly for clients with some pre-existing medical conditions. They have a strong reputation for excellent claims service and a human touch.

This is not an exhaustive list, and other excellent providers operate in the market. The key takeaway is that "the best PMI provider" depends entirely on the client's individual circumstances, budget, and priorities. This is why impartial, whole-of-market advice is so critical.

How to Advise Clients: A Broker's Step-by-Step Guide

Approaching the PMI conversation can feel daunting, but following a structured process makes it simple and effective.

Step 1: The Fact-Find Start with open questions to understand their motivations and needs:

  • "What has prompted you to think about private health insurance now?"
  • "What is your main priority? Is it fast diagnosis, choice of hospital, or something else?"
  • "Who needs to be covered on the policy – just you, or your partner and children too?"
  • "What is a comfortable monthly budget for you to consider?"
  • "Have you had any major health issues in the last five years?"

Step 2: Explain the Fundamentals Before you talk about products, set expectations. Clearly and simply explain the difference between acute and chronic conditions. Use an analogy: "Think of it like this: health insurance is like a fire extinguisher for your house. It's there for sudden, unexpected emergencies (an acute condition), not for general day-to-day maintenance (a chronic condition)."

Step 3: Match Needs to Features Based on their answers in Step 1, start building a picture of their ideal policy.

  • Client says "I just want to be able to see a specialist quickly." -> Prioritise a good out-patient limit.
  • Client says "My budget is tight." -> Discuss a higher excess and the 6-week option.
  • Client says "I live in London and want the best hospitals." -> Ensure the quote includes a comprehensive central London hospital list.

Step 4: Compare the Market This is where you provide immense value. Instead of just showing them one option, explain that you can compare the market to find the best value. This is the perfect point to introduce a specialist partner. You could say: "To make sure you get the best possible cover for your budget, I work with a specialist team at WeCovr. They can compare policies from all the leading UK insurers for you, at no extra cost, and handle all the paperwork."

Step 5: Explain Underwriting Briefly explain the difference between Moratorium and Full Medical Underwriting. For most clients, Moratorium is simpler. However, if they have a history of minor issues and want certainty, FMU might be better.

The Business Case: Offering PMI for Small and Medium Enterprises (SMEs)

While individual PMI is a growing market, group PMI for businesses is where many brokers can find significant, untapped opportunities. Many of your existing commercial clients are prime candidates.

Benefits for the Business:

  • Reduced Absenteeism: Getting an employee diagnosed and treated quickly means they are back at work faster, minimising disruption and lost productivity.
  • Talent Attraction & Retention: In a competitive job market, a company health insurance scheme is a highly valued employee benefit that can set a business apart.
  • Improved Morale: It shows a company cares for the health and wellbeing of its staff, fostering a positive and loyal company culture.

Key Differences for Group Schemes:

  • Medical History Disregarded (MHD): For larger groups (typically 20+ employees, but sometimes fewer), insurers may offer MHD underwriting. This is the gold standard – it covers all eligible conditions, including pre-existing ones.
  • Cost-Effective: The cost per employee on a group scheme is often significantly lower than for an individual policy.
  • Administration: Setting up and managing a group scheme is a specialist task, making the expertise of a broker invaluable.

Start the conversation with your business clients. Ask them: "How much does it cost your business when a key member of staff is off sick for a month or more?" This simple question opens the door to a meaningful discussion about business PMI.

Beyond Insurance: The Rise of Wellness and Added-Value Benefits

Modern private health cover is evolving. It's no longer just a reactive product that you use when you're ill. The best PMI providers now include a wealth of proactive services designed to keep members healthy.

When discussing options with clients, highlight these valuable extras:

  • Digital GP Services: Most insurers now offer 24/7 access to a virtual GP via phone or video call. This is incredibly convenient for getting quick advice, prescriptions, or referrals without waiting for a local GP appointment.
  • Mental Health Support Lines: Many policies include access to confidential helplines and triage services for mental health concerns, offering immediate support when it's needed most.
  • Wellness Programmes: Vitality leads the pack here, but other providers like Aviva and Bupa also offer apps and resources with health advice, gym discounts, and other perks to encourage a healthy lifestyle.
  • Proactive Health Tips: Encourage clients to think about their all-round health. Small, consistent changes can make a huge difference.
    • Diet: A balanced diet rich in fruits, vegetables, and whole grains can reduce the risk of many conditions.
    • Activity: Aim for 150 minutes of moderate-intensity activity per week, like brisk walking or cycling.
    • Sleep: Prioritise 7-9 hours of quality sleep per night to support mental and physical recovery.

At WeCovr, we champion this proactive approach. That's why every client who takes out a PMI or Life Insurance policy with us receives complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, helping them build healthy habits for life.

Common Pitfalls for Brokers to Avoid When Selling PMI

  1. Over-promising on Pre-existing Conditions: Never give a client the impression that a new PMI policy will cover their existing ailments. Be crystal clear about the acute vs. chronic and new vs. pre-existing rules.
  2. Not Explaining the Excess (illustrative): Ensure the client understands their excess is payable per person, per policy year on their first claim. A £500 excess on a family policy can be a surprise if not explained properly.
  3. Ignoring Hospital Lists: A client living in Manchester doesn't need to pay for a policy that includes expensive central London hospitals. Tailor the list to their location and needs.
  4. Failing to Review: A client's needs and the market can change. Encourage an annual review to ensure their policy still represents the best value for them. Switching providers is often possible and can save them hundreds of pounds.

By being aware of these common mistakes, you can provide advice that is not only helpful but also compliant and transparent, protecting both your client and your professional reputation.

Why Partner with a Specialist PMI Broker like WeCovr?

As a general insurance broker, you are an expert in your field. By partnering with WeCovr, you gain an expert PMI team without any of the overheads. We are here to support you and your clients.

  • Expertise on Tap: We live and breathe private medical insurance. We know the providers, the products, and the underwriting nuances inside out.
  • Whole-of-Market Comparison: We use sophisticated technology to compare quotes from all the UK's leading insurers in minutes, ensuring your client always gets the best value.
  • No Cost to the Client: Our service is completely free for the client. We are paid a commission by the insurer that the client chooses, which is already built into the premium. There is no price difference between coming to us and going direct.
  • Seamless Service: We handle everything, from the initial advice and market comparison to the application and paperwork, making the process effortless for you and your client.
  • High Customer Satisfaction: Our focus on clear, jargon-free advice and exceptional service has earned us high ratings on independent review sites. We treat your clients with the same care and professionalism that you do.

Do I pay more for using a specialist PMI broker like WeCovr?

No, you do not. Specialist brokers like WeCovr are paid a commission by the insurance provider you choose. This commission is already built into the insurer's standard pricing, so you pay the same price (or often less) as you would by going direct. The key benefit is that you receive impartial, whole-of-market advice to find the best policy for your needs, at no extra cost.

How does moratorium underwriting work if I need to make a claim?

With moratorium underwriting, when you make a claim, the insurer will look at your medical history for the past five years. If the condition you are claiming for (or any related symptoms) existed in that five-year period before your policy started, the claim will be declined. If it's a new condition that arose after your policy began, it will be eligible for cover, subject to your policy terms.

What is the '6-week option' and is it a good way to save money?

The 6-week option is a policy feature that can significantly reduce your premium. It means that if the NHS can provide the in-patient treatment you need within six weeks of it being recommended by a specialist, you agree to use the NHS. If the NHS waiting list is longer than six weeks, your private medical insurance policy will activate and cover your treatment privately. It's an excellent cost-saving measure for clients who are happy to use the NHS for shorter waits but want a private back-up for longer delays.

Is mental health treatment usually covered by private health insurance?

Basic private medical insurance policies may offer limited mental health cover or none at all. However, most UK insurers now offer it as an optional add-on. This can provide valuable cover for consultations with psychiatrists and therapy sessions with psychologists. Given the growing importance of mental wellbeing and long NHS waiting lists for therapy, adding this cover is something many clients now choose to do.

Ready to offer your clients market-leading private health insurance advice?

Empower your clients with choice and security. For a free, no-obligation quote that compares the UK's leading insurers, contact the friendly, expert team at WeCovr today. We're here to help you and your clients navigate the world of PMI with confidence.

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.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

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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.

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