WeCovr.

Login

Private Health Insurance for Long Covid UK

Private Health Insurance for Long Covid UK 2025

As an FCA-authorised expert broker that has helped arrange over 800,000 policies, WeCovr provides this definitive guide to private medical insurance for Long Covid in the UK. We’ll explore how insurers view this complex condition and what you can expect from your private health cover.

How private health insurers treat long-term Covid cases

Private health insurance in the UK navigates Long Covid with a mix of support and specific limitations. The core issue lies in the fundamental principle of private medical insurance (PMI): it is designed to cover acute conditions, which are curable and short-term. It is not designed to cover chronic conditions, which are long-term and require ongoing management rather than a cure.

Initially, insurers treat the diagnostic phase of Long Covid favourably. If you have a policy and develop persistent symptoms after a Covid-19 infection, your PMI is invaluable for getting fast access to specialist consultations and diagnostic tests to understand what's happening.

However, once a diagnosis is made and it's determined that the condition requires long-term management, insurers are likely to classify it as chronic. At this point, ongoing treatment and management will typically be excluded from cover.

This distinction is the single most important factor in understanding how your policy will respond to a Long Covid claim.

What is Long Covid? Understanding the Symptoms and Impact

Long Covid, officially known as post-COVID-19 syndrome, refers to signs and symptoms that develop during or after a Covid-19 infection, continue for more than 12 weeks, and are not explained by an alternative diagnosis.

It's a multi-system condition, meaning it can affect many parts of the body. The experience of Long Covid varies dramatically from person to person.

According to the Office for National Statistics (ONS), an estimated 1.5 million people in the UK were experiencing self-reported Long Covid as of early 2024. The condition affects people of all ages, including those who only had a mild initial infection.

Common Symptoms of Long Covid

The list of reported symptoms is extensive, but some of the most common include:

  • Extreme fatigue: This is more than just feeling tired; it's a debilitating exhaustion not relieved by rest.
  • Brain fog: Problems with memory, concentration, and finding the right words.
  • Shortness of breath: Difficulty breathing or a feeling of not being able to get enough air.
  • Heart palpitations: A fast-beating, fluttering, or pounding heart.
  • Muscle and joint pain: Widespread aches and pains.
  • Chest pain or tightness.
  • Problems with smell or taste.
  • Anxiety and depression.

The fluctuating nature of these symptoms can make daily life, work, and social activities incredibly challenging, leading to a significant impact on an individual's quality of life and mental wellbeing.

The Crucial Distinction: Acute vs. Chronic Conditions in PMI

To understand private health insurance for Long Covid, you must first grasp how insurers classify illnesses. This is the bedrock of every PMI policy in the UK.

  • Acute Condition: An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of a broken bone, appendicitis, or a cataract. PMI is designed specifically to diagnose and treat these conditions.
  • Chronic Condition: A chronic condition is an illness that continues for a long time, often for life. It cannot be cured, but its symptoms can be managed. Examples include diabetes, asthma, high blood pressure, and arthritis. Standard private medical insurance in the UK does not cover the ongoing management of chronic conditions.

How Does This Apply to Long Covid?

This is where it gets complex.

  1. The Initial Infection (COVID-19): This is an acute viral illness. Any immediate complications requiring hospitalisation or specialist care would generally be covered by a comprehensive PMI policy.
  2. The Investigation Phase: If symptoms persist for weeks or months, your PMI policy is extremely useful. It will typically cover referrals to specialists (like cardiologists, neurologists, or respiratory consultants) and the diagnostic tests they recommend (such as MRI scans, ECGs, and blood tests). The goal here is to find a treatable, acute cause for your symptoms.
  3. The Long-Term Phase: If, after extensive investigation, the diagnosis is Long Covid and the recommended path is long-term symptom management (e.g., pacing strategies for fatigue, ongoing pain management), the insurer will likely re-classify it as a chronic condition. At this point, further cover for managing the condition will cease.

In short, PMI is your fast track to diagnosis but not a ticket for lifelong care of a chronic condition.

How UK Private Health Insurers Assess Long Covid Claims

Let's walk through a typical journey for a policyholder who develops Long Covid.

Step 1: You develop symptoms You have an active PMI policy. You recover from the initial Covid infection but find yourself struggling with breathlessness and fatigue weeks later.

Step 2: You use your policy for a GP appointment Many policies include a digital GP service, allowing you to get a virtual appointment within hours. You discuss your symptoms, and the GP agrees you need specialist investigation.

Step 3: A specialist referral is made The GP refers you to a private respiratory consultant. Your insurer authorises the consultation, and you're seen within a week, bypassing long NHS waiting lists.

Step 4: Diagnostic tests are covered The consultant recommends a series of tests to rule out other issues:

  • A chest CT scan to check for lung damage.
  • An electrocardiogram (ECG) and echocardiogram to assess heart function.
  • Detailed blood tests. Your PMI policy covers the cost of these private tests, and they are completed quickly.

Step 5: The treatment decision The test results come back clear, pointing towards a diagnosis of Long Covid. The consultant recommends a defined, short-term course of treatment aimed at recovery. This could be:

  • A 6-session course of respiratory physiotherapy to improve breathing patterns.
  • A 10-session course of Cognitive Behavioural Therapy (CBT) to manage associated anxiety.

Because these treatments have a clear, curative goal and a defined endpoint, the insurer is likely to approve and cover them as treatment for an acute condition.

Step 6: The "Chronic" classification If, after these treatments, your symptoms persist and the specialist concludes that you now require long-term management to live with the condition, your insurer will step back. Ongoing physiotherapy, occupational therapy, or pain management clinics would now fall under the "chronic condition" exclusion and would not be covered. You would then rely on the NHS Long Covid clinics and self-management strategies.

What Does Private Health Insurance Typically Cover for Long Covid?

Here’s a clear breakdown of what you can generally expect a good PMI policy to cover versus what it won't.

Likely to be Covered (The Acute/Diagnostic Phase)Likely to be Excluded (The Chronic/Management Phase)
✅ Private GP appointments (often digital)❌ Long-term, ongoing management of symptoms
✅ Referrals to a wide range of specialists❌ Routine monitoring of a stable chronic condition
✅ Diagnostic tests and scans (MRI, CT, ECG, etc.)❌ Treatments without a clear curative goal
✅ A defined, short course of therapy (e.g., physiotherapy)❌ Experimental or unproven therapies
✅ A set number of mental health sessions (e.g., CBT)❌ Mobility aids or home adaptations
✅ Initial consultations for pain management❌ Ongoing pain management clinic costs

Real-Life Example: David, a 38-year-old accountant with a Bupa policy, experienced severe 'brain fog' and heart palpitations for three months after having Covid. His policy covered a swift referral to a neurologist and a cardiologist. An MRI of his brain and a 24-hour ECG were both completed within ten days and covered by his insurance. The tests ruled out a stroke or serious heart arrhythmia. His specialist recommended a short course of occupational therapy to develop coping strategies for the brain fog, which Bupa approved as it was a targeted, short-term intervention.

The Pre-existing Condition Clause and Long Covid

The timing of when you get Long Covid in relation to when you buy a policy is critical.

A pre-existing condition is any disease, illness, or injury for which you have experienced symptoms, received medication, or sought advice before your policy start date.

Scenario 1: You buy PMI after a Long Covid diagnosis If you have already been diagnosed with Long Covid or are experiencing symptoms when you apply for private health insurance, it will be considered a pre-existing condition. This means:

  • The condition itself will be excluded from cover.
  • Any related symptoms or conditions will also be excluded.
  • Under a moratorium underwriting policy, these exclusions are applied automatically. The condition might become eligible for cover in the future, but only if you go for a continuous two-year period without any symptoms, treatment, or advice for it. Given the persistent nature of Long Covid, this is highly unlikely.
  • Under a full medical underwriting policy, you would declare the condition on your application, and the insurer would place a permanent exclusion on it in writing.

Scenario 2: You have PMI and then develop Long Covid This is the ideal scenario for getting support. Because the condition arose after your policy began, it is not pre-existing. Your insurer will cover the diagnostic process and any eligible acute treatments, as explained in the sections above.

This highlights the value of securing private health cover when you are healthy, as a safety net for conditions that may arise in the future.

How Major UK Insurers Approach Long Covid

While all UK insurers operate on the acute vs. chronic principle, their specific pathways and additional support services can differ. An expert PMI broker like WeCovr can help you compare the subtle but important differences.

InsurerGeneral Approach & Key Features for Long Covid
AXA HealthStrong focus on prompt diagnosis via their Doctor at Hand digital GP service. Well-established pathways for accessing specialists and mental health support through their network.
BupaOften provides structured support pathways for complex conditions. Bupa's 'Family Mental HealthLine' and extensive network of therapists can be valuable for the psychological impact of Long Covid.
VitalityUnique approach linking cover to healthy behaviour. While direct long-term treatment may be excluded, the Vitality programme can incentivise gentle activity, healthy eating, and mindfulness, which are key self-management tools for recovery.
WPAKnown for flexible policies and strong customer service. They often offer 'shared responsibility' options that can help manage costs and provide a degree of choice in who you see and where.

This is a general guide. The specific cover you receive will always depend on the exact terms of your individual policy.

The Role of a PMI Broker like WeCovr

Navigating the complexities of Long Covid and insurance can be daunting. This is where an independent, expert broker is indispensable.

Working with WeCovr offers several key advantages at no cost to you:

  1. Market Expertise: We understand the nuances of how different insurers define chronic conditions and which providers offer the most comprehensive diagnostic pathways.
  2. Clear Explanations: We translate the jargon and explain the fine print, so you know exactly what you are and are not covered for before you commit to a policy.
  3. Personalised Comparison: We compare policies from across the market to find the best private medical insurance UK for your specific needs and budget.
  4. Claims Support: While we can't influence an insurer's final decision, we can offer guidance and support during the claims process.

With high customer satisfaction ratings, WeCovr is a trusted partner for thousands of UK residents seeking clarity and value from their health cover.

Beyond Insurance: NHS Services and Wellness Tips for Long Covid

Private medical insurance is one piece of the puzzle. It's important to know what other support is available.

NHS Long Covid Services

The NHS has recognised the scale of the problem and established a network of specialist Long Covid clinics across the country. A GP can refer you to one of these clinics, which bring together doctors, physiotherapists, occupational therapists, and psychologists to provide holistic assessment and care.

The NHS "Your COVID Recovery" website is also an excellent resource, offering advice on everything from managing breathlessness to coping with mental health challenges.

Wellness and Lifestyle Tips for Recovery

Many people with Long Covid find that proactive self-management can make a significant difference.

  • Pacing: This is the most crucial strategy. It means balancing activity and rest to avoid the 'push-and-crash' cycle where over-exertion leads to a severe worsening of symptoms.
  • Nutrition: Focus on an anti-inflammatory diet rich in fruits, vegetables, oily fish, and whole grains. Staying well-hydrated is also vital. Our complimentary CalorieHero app, available to WeCovr clients, can be a great tool for tracking your nutrition and ensuring you're fuelling your body for recovery.
  • Gentle Movement: While intense exercise is often counterproductive, gentle activities like stretching, yoga, or short walks—done within your energy limits—can help with muscle stiffness and mental wellbeing.
  • Sleep Hygiene: Prioritise a regular sleep schedule. Create a calm, dark, and cool bedroom environment. Avoid screens and caffeine before bed to improve sleep quality.
  • Mindfulness and Breathing: Techniques like meditation and slow, diaphragmatic breathing can help calm the nervous system, reduce anxiety, and improve respiratory function.

Getting the Right Private Health Cover

If you are considering private medical insurance, Long Covid is a powerful reminder of how quickly your health can change. The best time to get a policy is when you are well.

When choosing a policy, think about:

  • Diagnostics: Do you want the peace of mind of fast-track tests and scans?
  • Mental Health: Is comprehensive mental health support a priority for you?
  • Therapies: Does the policy offer a good level of cover for therapies like physiotherapy?

By purchasing PMI or Life Insurance through WeCovr, you may also be eligible for discounts on other types of cover, providing even greater value and protection for you and your family.


If I have Long Covid, can I still get private health insurance?

Yes, you can still get private health insurance, but Long Covid and any related symptoms will be excluded from your cover as a pre-existing condition. This means you will not be able to claim for diagnosis or treatment related to it. Private cover would still be available for new, unrelated acute conditions that arise after your policy begins.

Will private health insurance cover all treatments for Long Covid?

No. Private medical insurance is excellent for the initial diagnostic phase, providing fast access to specialists and tests to understand your symptoms. It may also cover short-term, curative treatments. However, it does not cover the long-term management of conditions deemed chronic, which Long Covid often becomes.

Does having the Covid-19 vaccine affect my private health insurance?

No. All major UK private health insurers have confirmed that your Covid-19 vaccination status has no impact on your policy. You will not be charged a higher premium or have cover denied based on whether you have had the vaccine.

What is the most important thing to check in a PMI policy regarding Long Covid?

The most critical clause to understand is the insurer's definition of a 'chronic condition' and the associated exclusions. This definition determines at what point the insurer will stop covering treatment for a persistent condition like Long Covid. An expert PMI broker like WeCovr can help you review and understand these crucial policy terms before you buy.

Ready to find the right private health cover for your peace of mind? The expert team at WeCovr is here to help. Get a free, no-obligation quote today and let us compare the best options from leading UK providers for you.

Get A Free Quote

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:

Our Group Is Proud To Have Issued 800,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

Any questions?

Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

Health insurance covers conditions that develop after your policy starts. Pre-existing conditions are typically not covered, and insurers may exclude related issues. Some policies may cover symptoms of pre-existing conditions under specific circumstances. Always review your policy's exclusions. Coverage for pre-existing medical conditions may be available if you currently hold a medical insurance policy or are transitioning from a company scheme. However, if you have never had medical insurance before or if your policy is not active at the moment, pre-existing conditions will not be covered. This limitation exists because health insurance is primarily intended to protect against unexpected health issues. To simplify, it's akin to getting into a car accident and then trying to obtain insurance coverage afterward to repair the vehicle — insurance companies typically do not cover such claims. Nevertheless, there is an option to gain coverage for pre-existing conditions after a two-year waiting period, subject to specific rules and conditions.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Sometimes treatments and drugs that are not covered by the NHS can be covered by Private Medical Insurance.

It's free to use WeCovr to find health insurance - we never charge you for quotes. Health or private medical insurance is an investment that can pay for itself the first time you might need medical treatment.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you would benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our revenue comes from commissions paid by the insurance providers when a policy is taken out through us. Essentially, when you choose to secure a policy from one of the providers we work with, they compensate us for facilitating the transaction. It's important to note that this commission does not impact the premium you pay. We remain committed to providing transparent and unbiased quotes to help you find the best insurance options tailored to your needs.

The cost of private health insurance depends on several factors, including your age, location, smoking status, and the type of policy you choose. Your health insurance policy is tailored to your needs, and the cost can vary based on the level of cover you require, such as the amount of excess and specific treatment allowances.

Private health insurance covers you for conditions that arise after your policy begins. You pay a monthly fee and can make claims for private healthcare covered by your policy. One of the main benefits of private healthcare is quicker access to treatment compared to the NHS, along with access to new drugs or specialist treatments.

Most health insurance covers private hospital stays and may include outpatient treatments like scans, tests, or appointments. Policies vary in coverage, and exclusions often include emergency treatment, maternity care, cosmetic surgery, and ongoing conditions present before the policy started.

Unfortunately, you cannot pay extra to have a pre-existing condition covered as part of your health insurance policy. However, you have access to support from a nurse or digital GP. If you have questions about what is covered under your policy, please contact us for clarification.

Your health insurance policy begins once you've selected your policy and set up your payment. After setup, you'll receive your cover documents detailing what is and isn't covered. It's important to review these details carefully as policies differ.

An excess is the amount you contribute towards treatment when you make a claim. Choosing a higher excess can reduce your policy's monthly cost but requires a larger contribution when claiming. WeCovr's experts will offer you flexible excess options depending on your preferences.

To reduce health insurance costs, consider choosing a higher excess, which lowers the monthly premium. However, ensure the plan still meets your needs. Other factors affecting cost include lifestyle choices like smoking and potential savings for couples or family plans.

There is no age limit for taking out health insurance, but age influences the policy's cost. The benefits of health insurance are consistent regardless of age. If you're considering health insurance, you can get a quote from WeCovr's experts regardless of your age.

Let WeCovr's experts do the legwork for you and compare health insurance plans at no cost to you to find the best fit for your needs. Consider individual, couple, or family plans and review coverage details thoroughly before choosing. WeCovr provides transparent information on coverage options for easy comparison.

Yes, you can add your partner (if you live at the same address) or dependents to your policy at any time. The cost of couple's or family health insurance depends on factors like location, age, health, and chosen excess. Contact WeCovr or your insurer for assistance in adding someone to your policy.

While WeCovr's private health insurance plans are tailored for the UK, we offer global health insurance options for those living or working abroad. For holiday coverage, travel insurance is recommended.

Comprehensive cover provides extensive benefits, including full outpatient services such as consultations, diagnostic tests, physiotherapy, and mental health therapies. Our team at WeCovr can assist in understanding the various coverage levels available.

Private health insurance typically does not cover dental treatment. However, WeCovr's experts can guide you to dental insurance policies offered by our partner insurers. Reach out to us to explore these options.

Yes, private health insurance covers cancer treatment from diagnosis through treatment. At WeCovr, we can help you navigate the cancer cover options that suit your needs.

At WeCovr, you have flexibility in adjusting your cover. Speak to our experts within 21 days of receiving your paperwork or at policy renewal to make changes.

Accessing a private GP appointment is fast and convenient with WeCovr's services, available through your digital platform provided under your chosen insurance plan.

Yes, family members on the same policy can potentially have different levels of cover tailored to their individual needs.

WeCovr works with insurers offering a range of cover levels to accommodate different budgets and needs. Our experts can discuss these options with you.

Discovering healthcare facilities and specialists is easy with WeCovr's resources. Contact us for personalised assistance by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Fee-assured consultants provides transparency and no hidden costs for clients.

WeCovr prioritises mental health support with comprehensive coverage and access to specialist advice and services.

Children up to a certain age can be included in your policy, and we offer discounts for family coverage.

Like most health insurance plans, premiums may increase annually due to factors such as age and medical cost inflation.

The cost of health insurance varies based on several factors. Connect with our experts by tapping a button below and get your own personalised quote.

Private health insurance offers quicker access to consultations, treatments, and personalised care compared to the NHS.

Yes, WeCovr's experts can guide you which health insurance plans include coverage for physiotherapy treatments.

Immediate access to certain services like our digital GP app is available upon enrolment.

You can obtain a range of suitable quotes easily by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Health insurance covers new conditions that arise after the policy starts. Pre-existing conditions and certain exclusions may apply.

WeCovr's experts help you arrange health insurance that simplifies access to private healthcare services, including consultations and treatments.

Outpatient cover includes consultations, physiotherapy, and mental health therapies outside hospital admissions.

Yes, you can use your health insurance cover immediately. You have access to a nurse through your helpline and can consult with a GP using the digital GP app. If you need to make a claim right away, we may require a medical report from your GP. Health insurance is designed to cover new conditions that arise after the policy has started.

No, health insurance does not cover A&E (Accident and Emergency) visits. Private hospitals do not typically have the facilities for handling A&E cases. In case of an emergency, please dial 999 or use the NHS emergency services. However, if you require follow-up treatment after an emergency situation, your private medical insurance may be able to assist.

Yes, many insurers offer rewards in leisure, wellbeing, and health. Speak to WeCovr's experts or visit your insurer's website for more details on member rewards.

You may continue your cover or get another own personal policy. If you continue your cover, existing or ongoing medical conditions might be covered depending on the level of cover you choose. Contact our friendly experts to discuss your options and find the right option for you.

You can tap one of the buttons above or below and fill in a quick form to arrange a call with us to discuss your options.

Your cover may be similar but not identical. We will help you find the right level of cover that suits your needs, and ongoing medical conditions may be covered. Contact our friendly advisers to explore all available options.

No, the price won't be the same as before since employers often contribute to the cost of employee cover. Additionally, different cover levels and medical histories may affect the price. Contact WeCovr's experts for detailed information.

You have a few weeks or months from leaving your job to decide to continue with your insurer or change to another one. Your policy may start the day after you left your work policy, and our experts can guide you through other available options.

After leaving your job, contact WeCovr's experts with your leave date to discuss available options.

Yes, ongoing treatment may be covered on your new personal policy, although it could affect the price. Contact our experts for personalised advice on your options.

Details on paying excess fees will be provided when you contact your insurer for treatment authorisation.

No, there is no excess fee for utilising these services.

Excess adjustments can be made at specific intervals during your policy term.

No claims discounts can impact renewal costs based on claims history.

Pre-existing conditions typically aren't covered but can be discussed with our healthcare specialists.

This involves health-related questions before policy enrolment to determine coverage.

Moratorium underwriting simplifies enrolment but may require health disclosures during claims.

Claims may require additional information if under moratorium underwriting.

Pre-existing conditions refer to medical issues existing before policy inception. A pre-existing condition is anything you've previously had medical treatment for, such as diabetes, heart disease, or asthma. Most insurance providers consider any condition you've had symptoms or treatment for in the past five years as pre-existing. Our experts at WeCovr can help you understand how pre-existing conditions affect your policy options.

While some insurance providers automatically renew your private healthcare cover, it's beneficial to compare policies when yours is about to end. This ensures you're still getting the best deal for the coverage you need. Our experts at WeCovr can assist you in finding the right policy for you.

Typically, you must be over 18 to take out your own policy, but minors can usually be included in a family policy. There may also be an upper age limit for private health insurance, and premiums typically increase with age. Our experts at WeCovr can provide guidance on age-related policy aspects.

Paying for health insurance annually often results in savings compared to monthly payments. However, this depends on your insurance provider. For help determining the most cost-effective option, consider consulting our experts at WeCovr.

If your employer offers private health insurance as part of your benefits package, you likely don't need additional cover. However, there may be limits on the cover you receive, and it may not extend to your entire family. Remember, any insurance you get through work only covers you while you're employed there.

If you don't have pre-existing conditions, a medical exam is usually not required. You'll just need to complete a medical history form and select your level of cover. However, if you're older, have a pre-existing condition, or lead an unhealthy lifestyle, a medical exam may be necessary. Our experts at WeCovr can clarify the requirements of different policies.

Many private health insurance providers now offer GP services, either digitally or face-to-face. This means you can often get a private GP appointment quickly, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer GP services.

With private health insurance, you can often secure a GP appointment much quicker than with traditional methods, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer quick GP appointment services.

Inpatient care refers to any treatment requiring a stay in a hospital or clinic for at least one night. Outpatient care refers to treatments or tests that don't require hospital admission, such as minor diagnostic tests or physiotherapy sessions. Our experts at WeCovr can help you understand the different types of care and find a policy that suits your needs.

Private health insurance covers your medical treatment if you fall ill, while critical illness cover provides additional financial help if you develop one of the critical illnesses listed in the policy, such as covering loss of income if you're unable to work. For assistance in understanding the differences and finding the right coverage, consult our experts at WeCovr.

Health insurance policies are designed for cover in the UK. For cover abroad, consider travel insurance for short trips or international health insurance for longer stays or if you have a holiday home overseas. Our experts at WeCovr can guide you in finding the appropriate coverage for your travel needs.

If your employer provides health insurance, it's considered a 'benefit in kind' and is not tax deductible. Your employer should calculate the tax you owe for your health insurance premiums and deduct it from your pay. There are some exceptions for small companies. For more information on tax implications, consider reaching out to our experts at WeCovr.

When you purchase a policy, you choose how much excess you pay, which is your contribution to the cost of treatment if you make a claim. The higher your excess, the lower your premium is likely to be. Our experts at WeCovr can help you understand how excess works and choose the right level for you.

These are two methods of underwriting a health insurance policy, relating to how insurance providers consider your pre-existing medical conditions when you take out cover. For help understanding the differences and choosing the right option for you, consult our experts at WeCovr.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Every year you don't make a claim gives you an extra year of no-claims discount, potentially reducing your premium when you renew. Our experts at WeCovr can help you find policies that offer no-claims discounts.

To find the best health insurance for you, compare various policies to find one that offers the features you need at a price you can afford. Consider your personal circumstances and what you want from your policy. Our experts at WeCovr can assist you in evaluating your options and selecting the right coverage for you.

If you need treatment, a GP referral is not always necessary. However, this depends on how you plan to pay for your treatment. Most hospitals will allow you to book appointments with a consultant without a GP referral if you are paying out-of-pocket. If you have private medical insurance, you'll need to check the terms of your policy to see whether your insurer requires you to consult with a GP first (most insurers do). Some policies offer a direct booking system without a referral for certain conditions, such as counseling for mental health issues.

Yes, you can obtain financing for a loan to cover the cost of surgery. Many private healthcare companies have partnerships with finance companies to allow you to spread the cost of private treatment over time. You could also explore getting an ordinary loan from your bank if this option proves to be more cost-effective for you.

WeCovr has conducted extensive research into the cost of private health insurance in the UK. Click the link to find out more detailed information.

Yes, you can continue to receive treatment through the NHS even if you have private health insurance and have received private treatment in the past. This could be for rehabilitation after private surgery or for treatment that is not covered by your health insurance policy. For example, some cosmetic surgeries may be available through the NHS but are generally not covered by private medical insurance.

This is a difficult question to answer definitively. There are certain services that cannot be obtained privately, such as emergency treatment at an Accident and Emergency (A&E) department. Many NHS consultants also practice privately, so you could potentially see the same consultant regardless of whether you choose private or public healthcare. However, private healthcare typically offers shorter waiting times, guaranteed private rooms, and more relaxed visiting hours. Additionally, you may have access to treatments and drugs that are not routinely available through the NHS.

Yes, you can self-refer to a private specialist without the need for a GP referral. However, the British Medical Association believes that in most cases, it is best practice to start with your GP, as they are familiar with your medical history.

Yes, if you have a health concern and pay for private tests and scans but cannot afford to have private surgery, you should be able to have your test results transferred to an NHS provider for treatment.

Learn more

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2025 WeCovr. Made with in London