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Private Health Insurance for Lawyers in the UK

Private Health Insurance for Lawyers in the UK 2025

As an FCA-authorised expert with over 800,000 policies arranged for our clients, WeCovr understands that for UK legal professionals, time is not just money—it's everything. Our expertise in the private medical insurance market ensures you get the right cover. This guide explores tailored PMI for lawyers, helping you protect your health, your income, and your peace of mind.

The legal profession is one of the most demanding in the UK. Long hours, high-stakes cases, and immense pressure are part of the daily routine for solicitors, barristers, and partners alike. In this environment, your health is your most valuable asset. A sudden illness or injury can mean more than just a few days off; it can lead to significant delays, loss of billable hours, and damage to your professional reputation.

Private Medical Insurance (PMI) is not a luxury for lawyers; it's a strategic tool. It's designed to work around your schedule, providing rapid access to diagnosis and treatment, ensuring you get back on your feet—and back to your clients—as quickly as possible. Unlike a one-size-fits-all approach, a well-chosen policy can be tailored specifically to the risks and requirements of a career in law.

Why Private Medical Insurance is a Smart Move for UK Lawyers

While the NHS provides exceptional care, it is facing unprecedented strain. For a busy lawyer, the potential delays can be professionally and financially damaging. PMI offers a powerful alternative, giving you control over your healthcare journey.

1. Bypass Long NHS Waiting Lists

This is arguably the most significant benefit. The time between a GP referral and receiving treatment can be substantial.

  • The National Picture: According to the latest NHS England data from early 2025, the number of people on waiting lists for routine consultant-led treatment stands at over 7.5 million. The target of seeing a specialist within 18 weeks is frequently missed across many trusts and specialisms.
  • The Impact on You: Waiting months for a diagnostic scan (like an MRI for back pain) or a minor operation (like a hernia repair) means prolonged discomfort and reduced productivity. For a self-employed barrister or a partner in a firm, this directly translates to lost income.

With private health cover, you can often see a specialist and begin treatment within weeks, sometimes even days, of a GP referral.

2. Unmatched Flexibility and Choice

Your time is meticulously scheduled. PMI respects this by offering a level of flexibility the public system cannot.

  • Choose Your Specialist: You can research and select a leading consultant renowned for their expertise in your specific condition.
  • Choose Your Hospital: Policies offer a choice of high-quality private hospitals across the UK. You can choose one close to home, near your chambers, or one with a particular specialism.
  • Choose Your Timing: Schedule appointments and procedures at times that cause minimum disruption to your court dates, client meetings, and family life.

3. Access to Advanced Treatments and Drugs

The private sector often provides access to the very latest medical advancements. This can include:

  • Newer Drugs: Access to innovative cancer drugs or other medications that may not yet be approved by the National Institute for Health and Care Excellence (NICE) for NHS use due to cost or other factors.
  • Advanced Therapies: Specialist treatments, such as unique surgical techniques or targeted radiotherapies, might be more readily available privately.

4. Comfort, Privacy, and Peace of Mind

The environment in which you recover plays a huge role in your wellbeing. Private hospitals typically offer:

  • A private en-suite room.
  • More flexible visiting hours for family and colleagues.
  • A la carte menus and better overall facilities.

This comfortable and private setting allows you to rest, recover, and even stay connected with work if you choose, without the noise and disruption of a busy ward.

Understanding What Private Health Insurance Covers (and What It Doesn't)

It's crucial to understand the fundamental principles of PMI to avoid any surprises when you need to make a claim.

The Golden Rule: Acute vs. Chronic Conditions

This is the most important concept to grasp. UK private medical insurance is designed to cover acute conditions that begin after your policy starts.

  • Acute Condition: 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 repair, and treating infections.
  • Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, has no known cure, is likely to recur, or requires ongoing management. Examples include diabetes, asthma, high blood pressure, and arthritis.

Standard PMI does not cover the routine management of chronic conditions. However, it may cover acute flare-ups of a chronic condition, depending on the policy terms.

The Critical Exclusion: Pre-existing Conditions

Alongside chronic conditions, PMI policies universally exclude pre-existing conditions. This refers to any illness, injury, or symptom for which you have sought medical advice, diagnosis, or treatment in the years before your policy began (typically the last 5 years).

There are two main ways insurers handle this, known as underwriting:

  1. Moratorium Underwriting: This is the most common type. You don't declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had in the 5 years before joining. However, if you then go a set period (usually 2 years) without any symptoms, treatment, or advice for that condition after your policy starts, it may become eligible for cover. It's simple to set up but can create uncertainty at the point of a claim.
  2. Full Medical Underwriting (FMU): You complete a detailed health questionnaire when you apply. The insurer assesses your medical history and tells you from day one exactly what is and isn't covered. It takes longer to set up but provides complete clarity from the start.

Typical Coverage Breakdown

This table provides a general overview. Always check the specific details of your chosen policy.

Typically Covered (Core & Options)Typically Excluded
In-patient & Day-patient TreatmentPre-existing Conditions
Hospital fees, surgeon & anaesthetist feesChronic Condition Management
Out-patient Cover (often optional)Emergency Room (A&E) Visits
Specialist consultations, diagnostic testsNormal Pregnancy & Childbirth
Comprehensive Cancer CoverCosmetic Surgery (unless medically necessary)
Chemotherapy, radiotherapy, surgeryOrgan Transplants
Mental Health Support (often optional)Drug & Alcohol Abuse Rehabilitation
Access to therapists & psychiatristsSelf-inflicted Injuries
TherapiesUnproven or experimental treatments
Physiotherapy, osteopathy, chiropractic

Key Policy Features for Lawyers to Consider

When tailoring a policy, lawyers should focus on features that support their high-pressure careers.

Comprehensive Cancer Cover

This is a cornerstone of most good PMI policies. Given the potential impact of a cancer diagnosis, robust cover is essential. Look for policies that include:

  • Full cover for surgery, radiotherapy, and chemotherapy.
  • Access to specialist cancer centres.
  • Cover for biological therapies and targeted drugs not always available on the NHS.
  • End-of-life care and support for family members.

Mental Health Support

The legal profession has a well-documented issue with stress, burnout, and mental health challenges. A 2023 survey by the charity LawCare found that 71% of legal professionals have experienced mental ill-health in the 12 months prior.

A PMI policy with strong mental health cover is therefore invaluable. This can include:

  • Out-patient access: Cover for consultations with psychologists and psychiatrists.
  • In-patient treatment: Cover for stays in a psychiatric hospital if needed.
  • Digital Tools: Many insurers now offer access to mindfulness apps, online cognitive behavioural therapy (CBT) courses, and 24/7 mental health support lines.

Out-patient Cover Limits

This covers the diagnostic phase of your treatment—the tests and consultations needed before you are admitted to hospital. For lawyers who need fast answers, this is a critical component.

  • Basic: May only cover diagnostics if you are then admitted to hospital.
  • Limited: A fixed financial limit per policy year (e.g., £500, £1,000, £1,500).
  • Full: No annual financial limit on consultations and tests.

A higher or full out-patient limit means you can get MRI scans, blood tests, and specialist opinions swiftly without worrying about exceeding your cover.

Hospital Lists

Insurers group private hospitals into tiers, which affects your premium.

  • Local/Regional Lists: Include a good selection of hospitals outside of major city centres.
  • National Lists: A comprehensive list of private hospitals across the UK.
  • Premium/London Lists: Includes the high-end private hospitals in Central London, which are more expensive.

A partner at a Magic Circle firm in London will need a different hospital list to a solicitor in a regional practice. An expert broker like WeCovr can help you choose the right list to balance cost and access.

How Much Does Private Health Insurance for a Lawyer Cost in the UK?

The cost of a PMI policy is highly individual. It's based on a range of factors, and what your colleague pays might be very different from your own quote.

Key Factors Influencing Your Premium:

  • Age: The single biggest factor. Premiums increase as you get older.
  • Location: Living in or near London and other major cities typically means higher premiums due to higher hospital costs.
  • Level of Cover: A comprehensive policy with full out-patient and mental health cover will cost more than a basic plan.
  • Excess: This is the amount you agree to pay towards a claim (e.g., the first £250). A higher excess will lower your monthly premium.
  • Hospital List: Choosing a more exclusive list with central London hospitals will increase the cost.
  • Smoker Status: Smokers pay significantly more due to the associated health risks.

Illustrative Monthly Premiums for Lawyers

The table below provides an estimated monthly cost for a non-smoking individual with a comprehensive policy and a £250 excess. These are for illustrative purposes only.

ProfileLocationAgeEstimated Monthly Premium
Trainee SolicitorLeeds28£55 - £80
Self-Employed BarristerManchester40£85 - £120
Partner at a Law FirmLondon52£150 - £230
Senior CounselEdinburgh60£200 - £300+

To get a precise figure based on your unique circumstances, it's best to speak with a specialist PMI broker.

Group PMI for Law Firms vs. Individual Policies

For law firms, offering private medical insurance as a benefit is a powerful tool for attracting and retaining the best legal talent.

Group PMI Schemes for Law Firms

A group scheme is where a firm provides private health cover for its employees.

Benefits for the Firm:

  • Talent Attraction & Retention: A key part of a competitive benefits package.
  • Reduced Absenteeism: Faster treatment for staff means less time off work.
  • Duty of Care: Demonstrates the firm's commitment to employee wellbeing.
  • Tax Efficient: The cost of the scheme is a tax-deductible business expense.

Benefits for the Lawyer/Employee:

  • Lower Cost: Group rates are often cheaper than individual policies.
  • Better Terms: Many group schemes for larger firms offer 'Medical History Disregarded' (MHD) underwriting, which means even pre-existing conditions can be covered. This is a significant advantage.
  • Hassle-Free: The firm manages the administration.

Individual Policies for Sole Practitioners and Barristers

If you're a self-employed barrister, a sole practitioner, or your firm doesn't offer a group scheme, an individual policy is your solution. This gives you complete control to build a policy that perfectly matches your personal needs and budget. An expert broker can compare the entire market to find the best value for you.

Whether you're a law firm of 5 or 500, or a self-employed professional, WeCovr can arrange the ideal private health cover solution.

Your insurance policy is your safety net, but proactive health management is your first line of defence. Here are some practical tips for staying healthy in a demanding legal career.

  • Master Stress Management: The pressure isn't going away, so build resilience. Incorporate 10-minute mindfulness sessions into your day, use the Pomodoro Technique (25 minutes of focused work followed by a 5-minute break) to prevent burnout, and learn to set firm boundaries between work and personal life.
  • Prioritise Sleep: Chronic sleep deprivation impairs judgment, memory, and decision-making—all critical legal skills. Aim for 7-9 hours per night. Create a "wind-down" routine an hour before bed, free from screens and work-related material.
  • Fuel Your Brain: Long days can lead to poor food choices. Keep healthy snacks like nuts, fruit, and protein bars in your desk drawer. Plan your meals to avoid relying on caffeine and sugary snacks that lead to energy crashes. As a WeCovr client, you get complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, making it easier to monitor your diet on the go.
  • Integrate Movement: Being chained to a desk is detrimental to physical health. Consider a standing desk converter, take calls while walking around your office, and schedule gym sessions or walks in your diary as you would a client meeting. Even 30 minutes of moderate activity per day makes a huge difference.
  • Look After Your Travel Health: If your work involves travel, ensure your travel insurance is comprehensive. Stay hydrated on flights, adjust to new time zones as quickly as possible, and be mindful of your diet and exercise routine while away.

We believe in a holistic approach to your wellbeing. That's why, in addition to expert PMI advice, we offer our clients discounts on other essential cover like life and income protection insurance.


Can I cover my family on my private health insurance policy?

Yes, absolutely. All major UK private medical insurance providers allow you to add your partner and/or your children to your policy. In many cases, adding family members to a single policy can be more cost-effective than taking out separate policies for each person. It also simplifies administration, as you only have one policy and one renewal date to manage.

What is the difference between Moratorium and Full Medical Underwriting?

These are the two main ways insurers assess your medical history. With Moratorium underwriting, you don't declare your history upfront. The policy automatically excludes conditions you've had in the last 5 years. If you then remain symptom and treatment-free for that condition for 2 continuous years after the policy starts, it may become eligible for cover. With Full Medical Underwriting (FMU), you disclose your medical history in a detailed questionnaire. The insurer then provides a definitive list of any specific exclusions from day one. FMU offers more certainty, while a moratorium is quicker to set up.

Does PMI for lawyers cover dental and optical care?

Standard private medical insurance policies do not typically include routine dental check-ups, fillings, eye tests, or glasses. However, most insurers offer optional 'add-on' benefits for dental and optical care at an extra cost. This add-on can provide cover or a cash-back amount for routine treatments, as well as more extensive dental work like crowns or root canals. It's important to check the limits and terms of any dental and optical extension before adding it to your policy.

Is private health insurance tax-deductible for a lawyer?

The tax treatment depends on your employment status. If a limited company (such as a law firm) pays for a policy for an employee or director, the premium is usually an allowable business expense for the company. However, it is also treated as a 'benefit in kind' for the individual, who will have to pay income tax on the value of the premium. For self-employed sole traders and barristers, the premiums for a personal health insurance policy are generally not considered a tax-deductible expense. We always recommend speaking with a qualified accountant for advice specific to your financial situation.

Ready to secure the health cover that your demanding career deserves? The expert advisors at WeCovr are here to help. We compare leading UK insurers to find a policy tailored to your needs as a legal professional, all at no cost to you.

Get your free, no-obligation PMI quote today and gain the peace of mind you need to focus on what you do best.

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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 FCA-authorised 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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