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Private Health Insurance for Locum Doctors in the UK




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TL;DR

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the unique challenges locum doctors face. This guide explores private medical insurance in the UK, helping you find flexible health cover that fits your demanding career and provides peace of mind. Flexible health cover options for locum GPs and consultants The life of a locum doctor in the UK is one of freedom and flexibility, but it also comes with inherent uncertainty.

Key takeaways

  • No Sick Pay: The most significant factor. If you can't work due to illness, your income stops immediately. PMI helps you get diagnosed and treated faster, minimising your time away from work.
  • NHS Waiting Lists: While the NHS provides outstanding emergency care, waiting times for routine diagnostics and elective surgery can be lengthy. According to the latest NHS England data, millions are on referral-to-treatment waiting lists, with many waiting over 18 weeks. For a locum, such a delay can be financially devastating.
  • High-Stress Environment: Medical roles are inherently stressful. Locums often face the added pressure of adapting to new teams, systems, and patient demographics with each placement. This can take a toll on mental and physical health. Quality PMI policies offer robust mental health support, often accessible without a long wait.
  • Control and Choice: PMI gives you more control over your healthcare. You can often choose your specialist or consultant and select a hospital that is convenient for you. You can also schedule appointments and procedures around your work commitments, a crucial benefit for maintaining your professional diary.
  • Financial Protection: An unexpected health issue can lead to unexpected costs. Private health insurance acts as a financial buffer, covering the costs of private treatment which can run into tens of thousands of pounds for major procedures.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the unique challenges locum doctors face. This guide explores private medical insurance in the UK, helping you find flexible health cover that fits your demanding career and provides peace of mind.

Flexible health cover options for locum GPs and consultants

The life of a locum doctor in the UK is one of freedom and flexibility, but it also comes with inherent uncertainty. Unlike salaried NHS colleagues, you don't have access to employer-sponsored health schemes or generous sick pay. If illness or injury strikes, it can directly impact your income and ability to work.

This is where private medical insurance (PMI) becomes an invaluable tool. It’s designed to work alongside the excellent care provided by the NHS, giving you fast access to diagnosis, treatment, and specialist care for acute conditions. For a busy locum, this means getting back on your feet and back to work sooner.

This comprehensive guide will walk you through everything you need to know about PMI for locum doctors, from understanding policy features to choosing the right level of cover for your unique circumstances.

Why Do Locum Doctors Need Specialist Health Insurance?

Working as a locum GP or consultant offers unparalleled control over your schedule, but this autonomy comes at a price. You are, in essence, running your own business. This presents a unique set of risks that standard employee benefit packages usually mitigate.

Here’s why tailored private health cover is so important for locums:

  • No Sick Pay: The most significant factor. If you can't work due to illness, your income stops immediately. PMI helps you get diagnosed and treated faster, minimising your time away from work.
  • NHS Waiting Lists: While the NHS provides outstanding emergency care, waiting times for routine diagnostics and elective surgery can be lengthy. According to the latest NHS England data, millions are on referral-to-treatment waiting lists, with many waiting over 18 weeks. For a locum, such a delay can be financially devastating.
  • High-Stress Environment: Medical roles are inherently stressful. Locums often face the added pressure of adapting to new teams, systems, and patient demographics with each placement. This can take a toll on mental and physical health. Quality PMI policies offer robust mental health support, often accessible without a long wait.
  • Control and Choice: PMI gives you more control over your healthcare. You can often choose your specialist or consultant and select a hospital that is convenient for you. You can also schedule appointments and procedures around your work commitments, a crucial benefit for maintaining your professional diary.
  • Financial Protection: An unexpected health issue can lead to unexpected costs. Private health insurance acts as a financial buffer, covering the costs of private treatment which can run into tens of thousands of pounds for major procedures.

A Real-Life Example for a Locum GP

Imagine Dr. Anya Sharma, a locum GP in Manchester. She develops persistent knee pain, making it difficult to sit for long periods during consultations.

  • Without PMI: She sees her NHS GP, who refers her for an MRI scan. The waiting list is currently 8 weeks. After the scan, she's referred to an orthopaedic specialist, with another 20-week wait for a consultation, followed by a potential 40-week wait for arthroscopic surgery. In total, she could face over a year of reduced earnings and discomfort.
  • With PMI: She uses her policy's Digital GP service and gets a referral the same day. Her insurer authorises an MRI scan at a private clinic within the week. The results are back quickly, and she sees a private consultant the following week. Surgery is scheduled for two weeks later at a time that fits her schedule. Dr. Sharma is back to working comfortably within a month or two.

This stark difference highlights the core value of private medical insurance for a self-employed professional.

Understanding Private Medical Insurance (PMI) in the UK

Before diving into the options, it's vital to understand the fundamentals of how PMI works in the UK. It is not a replacement for the NHS but a complementary service.

The Golden Rule: Acute vs. Chronic Conditions

This is the most important concept to grasp. UK private health insurance is designed to cover acute conditions.

  • An 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, or treatment for infections.
  • A Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, is incurable, has recurring symptoms, or requires ongoing management. Examples include diabetes, asthma, high blood pressure, and arthritis.

PMI does not cover the routine management of chronic conditions. However, it may sometimes cover acute flare-ups of a chronic condition, depending on your policy's specific wording.

The Other Big Rule: Pre-existing Conditions

Standard PMI policies also do not cover pre-existing conditions. This refers to any illness, disease, or injury for which you have experienced symptoms, received medication, or sought advice before your policy start date.

How insurers handle this depends on the type of underwriting you choose.

Underwriting Explained: Moratorium vs. Full Medical Underwriting

When you apply for PMI, the insurer needs to assess your health history. This is called underwriting. As a locum, choosing the right type can affect your application process and future claims.

Underwriting TypeHow It WorksPros for a LocumCons for a Locum
Moratorium (MORI)The most common type. You don't declare your full medical history upfront. Instead, the policy automatically excludes any condition you've had in the 5 years before joining. However, if you remain symptom-free and need no treatment or advice for that condition for a continuous 2-year period after your policy starts, it may become eligible for cover.Quick and Simple: No lengthy medical questionnaires to fill out. Ideal for busy locums.Initial Uncertainty: You won't know for sure what's covered until you make a claim. The claims process can be slower as the insurer will investigate your medical history at that point.
Full Medical Underwriting (FMU)You complete a detailed health questionnaire, providing your full medical history. The insurer then assesses this and tells you exactly what is and isn't covered from day one. Any pre-existing conditions will be explicitly excluded.Clarity from the Start: You know precisely where you stand. No surprises at the point of a claim.Longer Application: Requires you to gather medical information and fill out detailed forms. May lead to specific, permanent exclusions on your policy.

Which is right for you? If you have a clean bill of health and value a quick setup, a moratorium policy is often a great choice. If you have a complex medical history and want absolute certainty about your cover, FMU provides that clarity, even if it takes a bit more effort upfront.

A specialist PMI broker like WeCovr can talk you through the nuances of each option and help you decide which underwriting method best suits your personal health profile and preferences.

Key PMI Features for Locum Doctors to Consider

Not all health insurance policies are created equal. As a locum, you need a policy that offers flexibility and robust cover where it matters most. Here are the key features to look for.

1. Level of Cover: From Budget to Comprehensive

PMI policies are typically structured in tiers. Understanding these will help you balance cost against coverage.

Level of CoverWhat's Typically IncludedBest For a Locum Who...
Basic / Inpatient OnlyCovers tests and treatment when you are admitted to a hospital bed overnight. May include some limited cancer cover and outpatient surgical procedures....is on a tight budget but wants protection against the high costs of major surgery and hospital stays.
Mid-Range / Full Inpatient & Outpatient LimitsIncludes everything in a basic policy, plus a set limit for outpatient care (e.g., £1,000 per year for specialist consultations, diagnostic scans, and tests)....wants a good balance of cover and cost, ensuring faster diagnosis as well as treatment. This is a very popular choice.
Comprehensive / Full CoverIncludes full inpatient cover and unlimited (or very high limits for) outpatient diagnostics and consultations. Often includes therapies like physiotherapy and mental health support as standard....wants maximum peace of mind and doesn't want to worry about financial limits on their diagnosis or treatment pathway.

2. Hospital Lists

Insurers have agreements with networks of private hospitals. The list of hospitals you can use will affect your premium.

  • Local/Regional Lists: Restricts you to a specific list of hospitals, often excluding central London. This is the most affordable option.
  • National Lists: Gives you access to a wide range of hospitals across the UK, but may still exclude certain high-end London clinics.
  • Premium/London Lists: Includes the top private hospitals in Central London (e.g., The Lister, The London Clinic), which have higher charges. This is the most expensive option.

For a locum who travels for work, a national list often provides the best balance of choice and cost.

3. Excess and Co-payment

These are ways to share a small portion of the cost of your treatment, which significantly reduces your monthly premium.

  • Excess: A fixed amount you agree to pay towards a claim each year. For example, if you have a £250 excess and your treatment costs £5,000, you pay the first £250 and the insurer pays the remaining £4,750. A higher excess leads to a lower premium.
  • Co-payment: You agree to pay a percentage of each claim, usually up to a certain cap. For example, a 10% co-payment on a £5,000 claim would mean you pay £500.

Choosing a manageable excess (e.g., £250 or £500) is one of the most effective ways for a locum to make a comprehensive policy more affordable.

4. Mental Health Support

The pressures of being a medical professional are immense. Look for policies that offer more than just basic psychiatric cover. Leading providers now offer:

  • Fast-track access to talking therapies: Cognitive Behavioural Therapy (CBT) and counselling, often without needing a GP referral.
  • Digital mental health support: Apps and online platforms for stress management, mindfulness, and direct messaging with therapists.
  • Full cover for inpatient and outpatient psychiatric treatment.

Given the high rates of burnout in the medical profession, robust mental health cover should be considered a necessity, not a luxury.

5. Digital GP and Virtual Services

For a busy locum, time is money. The ability to get medical advice quickly and conveniently is a game-changer. Most major insurers now offer:

  • 24/7 Digital GP appointments: Video or phone consultations, often available within hours.
  • Private prescriptions: Get prescriptions sent directly to a local pharmacy or your home.
  • Instant referrals: A digital GP can provide an open referral to a specialist, speeding up the entire process.

These services mean you don't have to take a full day off to see a GP for a minor issue or to get a referral, preserving your valuable time.

How to Choose the Best PMI Provider for a Locum Doctor

The UK private health insurance market is dominated by a few key players. While they all offer similar core products, they have different strengths that may appeal to a locum.

ProviderKey Strengths for a LocumPotential Considerations
AXA HealthExcellent comprehensive cover, strong mental health pathway, and access to their 'Doctor@Hand' digital GP service. Well-regarded for their straightforward claims process.Premiums can be at the higher end, reflecting the quality of their core product.
BupaThe UK's best-known health insurer with a vast network of hospitals and facilities. Their 'Bupa From Home' services offer extensive remote support, ideal for a busy professional.Their sheer size can sometimes mean processes feel less personal than with smaller insurers.
AvivaKnown for their 'Expert Select' hospital option, which can offer cost savings. Their policies often have high Trustpilot ratings for customer service. They provide a strong core product with good value.Some of their more advanced benefits, like full mental health cover, may be optional add-ons.
VitalityUnique approach that rewards healthy living. By tracking your activity (walks, workouts), you can earn points to reduce your premium and get other rewards like free coffee and cinema tickets.The wellness programme requires active engagement to get the full financial benefit. May not suit everyone's lifestyle.
WPAA not-for-profit insurer known for excellent customer service and flexible policies. They offer 'Shared Responsibility' options (a form of co-payment) that can make comprehensive cover very affordable.They are smaller than the "big four," so their hospital network might be slightly less extensive in some regions.

The WeCovr Advantage: Choosing between these providers and their various policy options can be overwhelming. As an independent and FCA-authorised PMI broker, WeCovr provides impartial, expert advice. We compare the market for you, explaining the pros and cons of each policy in relation to your specific needs as a locum doctor, ensuring you get the right cover at the best possible price—at no extra cost to you.

The Cost of Private Health Insurance for Locums

The price of a PMI policy is highly individual. It's based on several factors:

  • Your Age: Premiums increase as you get older.
  • Your Location: Premiums are typically higher in London and the South East due to the higher cost of private treatment there.
  • Your Smoker Status: Smokers pay more than non-smokers.
  • Level of Cover: Comprehensive plans cost more than basic ones.
  • Your Chosen Excess: A higher excess lowers your premium.
  • The Hospital List: A national list costs more than a local one.

Illustrative Monthly Premiums for a Locum Doctor

The table below gives an idea of potential costs for a non-smoking locum, based on a mid-range policy with a £250 excess and a national hospital list. These are for illustration only.

AgeLocation: ManchesterLocation: Central London
30£55 - £75 per month£70 - £95 per month
40£70 - £90 per month£90 - £120 per month
50£100 - £140 per month£130 - £180 per month

Disclaimer: These are illustrative estimates from 2025 market analysis. Your actual quote will depend on your individual circumstances and the insurer chosen.

Tax Implications for Locum Doctors

As a self-employed individual or director of your own limited company, you may be able to treat your private medical insurance premiums as a legitimate business expense.

  • If you are a sole trader: You can claim the premiums as an allowable business expense on your self-assessment tax return.
  • If you operate through a limited company: The company can pay the premium. This is an allowable expense for the company, reducing its Corporation Tax bill. However, it is treated as a 'benefit in kind' (P11D benefit) for you as the director. This means you will have to pay income tax on the value of the premium, and the company will have to pay Class 1A National Insurance contributions.

Important: Tax rules can be complex. Always seek advice from a qualified accountant to understand the most tax-efficient way to structure your health insurance payments.

Beyond PMI: A Holistic Approach to a Locum's Wellbeing

While health insurance is a critical safety net, prevention is always better than cure. As a medical professional, you know this better than anyone, but it can be hard to apply it to your own life.

  • Manage Your Stress: The constant adaptation of locum work is draining. Prioritise downtime. Use mindfulness apps, practice deep-breathing exercises between appointments, and ensure you have non-medical hobbies to decompress.
  • Prioritise Sleep: Working in different clinics and hospitals can disrupt your routine. Aim for 7-9 hours of quality sleep per night. Use blackout blinds and avoid screen time before bed to protect your circadian rhythm.
  • Nutrition on the Go: It's easy to rely on caffeine and convenience food. Plan your meals and pack healthy snacks. Staying hydrated is crucial. Good nutrition fuels your brain and body, improving focus and resilience.
  • Stay Active: Even a brisk 20-minute walk during a lunch break can make a huge difference. Regular exercise is a powerful antidote to stress and is vital for long-term cardiovascular health.

WeCovr's Added Value for Your Health Journey

We believe in supporting our clients' overall wellbeing. That's why when you arrange your private medical insurance with us, you get more than just a policy:

  • Complimentary Access to CalorieHero: All clients receive free access to our AI-powered calorie and nutrition tracking app, CalorieHero. It's a simple, effective tool to help you manage your diet and make healthier food choices, even with a hectic schedule.
  • Discounts on Other Cover: We value your loyalty. Clients who take out PMI or Life Insurance with us are eligible for exclusive discounts on other essential cover, such as Income Protection insurance—another vital policy for any self-employed professional.

As a locum doctor, can I get cover for pre-existing conditions?

Generally, standard UK private medical insurance policies do not cover pre-existing conditions. This applies to any medical issue for which you sought advice, symptoms, or treatment in the years before your policy began. However, under 'moratorium' underwriting, a past condition might become eligible for cover if you remain completely free of symptoms, treatment, and advice for it for a continuous two-year period after your policy starts. It is crucial to understand that PMI is designed for new, acute conditions that arise after you join.

Is it better for me to pay for my PMI personally or through my limited company?

There are pros and cons to both. Paying through your limited company makes the premium an allowable business expense, reducing your Corporation Tax. However, it is considered a 'benefit in kind', meaning you will personally pay income tax on the premium's value, and the company must pay National Insurance on it. Paying personally offers no direct tax relief. The most tax-efficient method depends on your personal financial situation and tax bracket. We strongly recommend discussing this with your accountant to make the best decision for your circumstances.

With free NHS access, is private health insurance really worth it for a locum doctor?

While the NHS provides excellent care, particularly for emergencies, its long waiting lists for diagnostics and elective treatments can pose a significant financial risk for a locum. As a self-employed professional with no sick pay, any time spent unable to work is lost income. Private medical insurance is 'worth it' because it provides fast access to treatment, giving you control over when and where you are treated. This allows you to minimise downtime, protect your earnings, and get back to your patients sooner.

Take the Next Step Towards Peace of Mind

Your health is your most important asset. As a locum doctor, protecting it means protecting your livelihood. Private medical insurance offers a flexible, powerful way to ensure you have access to the best possible care, right when you need it.

Let us help you navigate the market and find the perfect fit.

[Get your free, no-obligation quote from WeCovr today and compare leading UK insurers in minutes.]

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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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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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