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Private Health Insurance for PCOS UK

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

As an FCA-authorised broker that has helped arrange over 900,000 policies, we at WeCovr understand the nuances of the private medical insurance market in the UK. This guide explores the complex question of whether private health cover can help with Polycystic Ovary Syndrome (PCOS), a condition affecting millions. Does PMI cover treatment for polycystic ovary syndrome?

Key takeaways

  • PCOS is a chronic condition. UK health insurance is designed to cover acute conditions—illnesses or injuries that are short-term and can be resolved with treatment. Chronic conditions, which are long-lasting and require continuous management rather than a cure, are almost always excluded.
  • PCOS is often a pre-existing condition. If you have been diagnosed with PCOS or have experienced symptoms before taking out a policy, it will be considered a pre-existing condition. Insurers will exclude cover for it and any related issues.
  • Irregular or absent periods: This indicates your ovaries are not regularly releasing eggs (ovulation).
  • Excess androgens: High levels of "male" hormones can lead to physical signs such as excess facial or body hair (hirsutism), oily skin, and acne.
  • Polycystic ovaries: Your ovaries may become enlarged and contain numerous fluid-filled sacs (follicles) that surround the eggs. Despite the name, these are not true cysts.

As an FCA-authorised broker that has helped arrange over 900,000 policies, we at WeCovr understand the nuances of the private medical insurance market in the UK. This guide explores the complex question of whether private health cover can help with Polycystic Ovary Syndrome (PCOS), a condition affecting millions.

Does PMI cover treatment for polycystic ovary syndrome?

The straightforward answer is that standard private medical insurance (PMI) in the UK does not typically cover the ongoing management of polycystic ovary syndrome (PCOS). This is for two primary reasons:

  1. PCOS is a chronic condition. UK health insurance is designed to cover acute conditions—illnesses or injuries that are short-term and can be resolved with treatment. Chronic conditions, which are long-lasting and require continuous management rather than a cure, are almost always excluded.
  2. PCOS is often a pre-existing condition. If you have been diagnosed with PCOS or have experienced symptoms before taking out a policy, it will be considered a pre-existing condition. Insurers will exclude cover for it and any related issues.

While this may seem disheartening, it's crucial to understand how PMI works to see where it can still provide immense value. For some individuals, PMI can play a vital role in the initial diagnostic stages of PCOS, offering a much faster route to getting answers.

This article will delve into the specifics, explaining the difference between chronic and acute care, how underwriting affects your cover, and what alternative support is available.

Understanding PCOS: A Quick Guide for UK Women

Polycystic Ovary Syndrome is a common endocrine (hormonal) disorder that affects how a woman's ovaries work. According to the NHS, it's thought to affect around 1 in 10 women in the UK, though many remain undiagnosed.

The exact cause is unknown, but it's related to abnormal hormone levels, including high levels of insulin and "male" hormones called androgens.

Key Signs and Symptoms of PCOS

PCOS presents differently in everyone, but the three main features are:

  • Irregular or absent periods: This indicates your ovaries are not regularly releasing eggs (ovulation).
  • Excess androgens: High levels of "male" hormones can lead to physical signs such as excess facial or body hair (hirsutism), oily skin, and acne.
  • Polycystic ovaries: Your ovaries may become enlarged and contain numerous fluid-filled sacs (follicles) that surround the eggs. Despite the name, these are not true cysts.

To be diagnosed with PCOS, you typically need to have at least two of these three features.

Long-Term Health Implications

PCOS is more than just a reproductive issue; it's a metabolic condition that can increase the risk of other long-term health problems, including:

  • Type 2 diabetes
  • High cholesterol and high blood pressure
  • Fertility problems
  • Sleep apnoea
  • Depression and anxiety
  • A slightly increased risk of developing cancer of the womb lining (endometrial cancer) later in life.

Because of these associated risks, getting a timely diagnosis and managing the condition effectively is paramount for long-term health and wellbeing.

The Crucial Distinction: Chronic vs. Acute Conditions in UK Health Insurance

To understand why PCOS isn't covered for ongoing management, you must grasp the fundamental principle of UK private medical insurance: it's for acute conditions.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and return you to your previous state of health. Think of a cataract operation, a joint replacement, or treatment for an infection. The goal is to cure or resolve the issue.
  • Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics:
    • It needs ongoing or long-term monitoring.
    • It has no known cure.
    • It's likely to come back or has already come back.
    • It requires palliative care or management.

PCOS falls squarely into the chronic category. It requires lifelong management of symptoms and associated health risks.

FeatureAcute ConditionChronic Condition (like PCOS)
DurationShort-termLong-term or lifelong
Treatment GoalTo cure or fully resolveTo manage symptoms and prevent complications
PMI CoverageGenerally CoveredGenerally Excluded
ExamplesBroken arm, appendicitis, hernia repairPCOS, diabetes, asthma, high blood pressure

Insurers focus on acute conditions to keep private health cover affordable and sustainable. Covering the lifelong management costs of chronic conditions for every policyholder would make premiums prohibitively expensive for most people. The NHS is structured and funded to provide this excellent, long-term chronic care.

How Underwriting Affects PCOS Coverage

When you apply for private medical insurance, the insurer assesses your health and medical history in a process called underwriting. This determines what will and won't be covered. For someone with PCOS, the type of underwriting is critical.

There are two main types in the UK:

1. Full Medical Underwriting (FMU)

With FMU, you complete a detailed health questionnaire, declaring all your past and present medical conditions, including PCOS. The insurer reviews your history, and an underwriter will decide on the terms of your policy.

  • Outcome for PCOS: The insurer will place a specific exclusion on your policy for PCOS and any conditions directly related to it. This is clear and transparent from day one. You know exactly where you stand.

2. Moratorium Underwriting

This is a simpler, faster way to get cover. You don't have to declare your medical history upfront. Instead, the policy automatically excludes cover for any condition for which you have had symptoms, medication, or advice in the five years before your policy start date.

  • The 'Two-Year Rule': A condition excluded under a moratorium can become eligible for cover, but only if you go for a continuous two-year period after your policy starts without experiencing any symptoms, needing treatment, medication, or medical advice for that condition.

  • Outcome for PCOS: Because PCOS is a chronic condition that often requires ongoing monitoring (even just a GP check-up), medication (like Metformin or the contraceptive pill), or produces persistent symptoms, it is extremely unlikely that you would ever satisfy the two-year symptom-free period. Any interaction with a healthcare professional regarding PCOS would reset the two-year clock. Therefore, PCOS will effectively remain permanently excluded.

Comparing Underwriting for Someone with PCOS

Underwriting TypeHow It WorksImpact on PCOS Coverage
Full Medical (FMU)You declare PCOS on your application.PCOS and related conditions are explicitly excluded from the start. It's clear and certain.
MoratoriumNo initial health declaration. Auto-excludes conditions from the last 5 years.PCOS is excluded. It is highly improbable it will ever become eligible for cover due to its chronic nature.

An expert PMI broker like WeCovr can help you decide which underwriting method is best for your situation and ensure you understand the implications for your cover.

Are There Any Scenarios Where PMI Might Help with PCOS?

While ongoing management is excluded, private health cover can still be incredibly valuable in specific situations related to PCOS, primarily in getting a fast diagnosis.

The Golden Window: Initial Diagnosis

Imagine you're in your 20s, you have a new private health insurance policy, and you start experiencing symptoms like irregular periods and acne for the very first time. At this point, you don't have a diagnosis.

This is where PMI can be a game-changer.

Your journey could look like this:

  1. Digital GP Appointment: Most PMI policies include a 24/7 digital GP service. You can get an appointment within hours, discuss your symptoms, and get an open referral for a specialist.
  2. Fast-Track to a Specialist: Instead of waiting weeks or months for an NHS referral, your PMI policy can get you an appointment with a private gynaecologist or endocrinologist, often within a few days.
  3. Swift Diagnostics: The specialist may recommend tests to confirm a diagnosis. Your PMI policy would typically cover:
    • Consultation fees.
    • Blood tests to check hormone levels (testosterone, LH, FSH).
    • A pelvic ultrasound scan to check for polycystic ovaries.

PMI covers these diagnostic steps because, at this stage, the condition is still an unknown, acute problem to be investigated. You could go from first symptoms to a confirmed diagnosis in a matter of weeks, rather than many months.

What happens after diagnosis? Once PCOS is confirmed, it becomes a diagnosed chronic condition. At this point, your private cover for it would cease, and the long-term management would transition back to the NHS or be self-funded. However, you've used your PMI for its greatest strength: speed.

Acute Complications

In some rare and specific cases, an acute condition that is a complication of PCOS might be covered. For example, if you developed a large ovarian cyst that ruptured and required emergency surgery, this is an acute surgical event. An insurer might cover the surgery, even though the underlying cause is PCOS.

Important Note: This is a grey area and highly dependent on your insurer and the specific wording of your policy. Coverage is never guaranteed in these situations, and the insurer might argue it's directly related to the excluded chronic condition.

Fertility Investigations

Most standard private health insurance UK policies explicitly exclude all forms of fertility treatment, including IVF. PCOS is a leading cause of infertility, so this is a significant exclusion.

However, some more comprehensive or high-end policies may offer limited benefits for investigating the cause of infertility. This could include some of the same diagnostic tests used for PCOS. Again, this is not standard, and you would need to check the policy details carefully. Cover for the actual treatment is almost unheard of on individual policies.

NHS vs. Private Care for PCOS: What's the Difference?

Both the NHS and the private sector have their strengths when it comes to managing PCOS.

The NHS Pathway

The NHS provides excellent, comprehensive, and evidence-based care for chronic conditions like PCOS. The typical pathway is:

  • Visit your GP with your symptoms.
  • Your GP may do initial blood tests.
  • Referral to a specialist (gynaecologist or endocrinologist).
  • Further tests and diagnosis.
  • Development of a long-term management plan, which could involve lifestyle advice, medication (e.g., Metformin, Clomifene for fertility), and regular check-ups.

The main challenge with the NHS is waiting times. According to NHS England data, the median wait time for a first appointment in gynaecology can be several months. This waiting period can be a source of significant stress and anxiety.

The Private Pathway (via PMI for Diagnosis)

As discussed, PMI can bridge the waiting time gap for diagnosis.

FeatureNHS PathwayPrivate Pathway (via PMI)
Initial AppointmentGP appointment, then wait for specialist referral.Digital GP (hours), specialist appointment (days/weeks).
Diagnostic TestsWaiting lists for scans and follow-ups.Scans and tests often done within a week.
CostFree at the point of use.Covered by your PMI policy (subject to excess).
Long-Term CareProvides full, ongoing management.Does not cover ongoing management.
Best For...Comprehensive, lifelong chronic disease management.Rapid initial diagnosis and peace of mind.

For many, the ideal approach is a hybrid one: using PMI to get a fast diagnosis and then using the excellent, free services of the NHS for the long-term management plan.

Maximising Your Health: Wellness and Lifestyle Management for PCOS

Since ongoing medical treatment for PCOS isn't covered by PMI, focusing on lifestyle and wellness is one of the most powerful things you can do. Many symptoms of PCOS can be significantly improved through diet, exercise, and stress management.

1. Nutrition and Diet

A key driver of PCOS symptoms is often insulin resistance. This is when your body's cells don't respond properly to insulin, leading your pancreas to produce more of it, which in turn can cause the ovaries to produce excess testosterone.

  • Focus on Low-Glycaemic Index (GI) Foods: Choose whole grains, legumes, vegetables, and fruits over refined carbohydrates like white bread, sugary snacks, and white pasta. This helps to manage blood sugar and insulin levels.
  • Balance Your Plate: Ensure each meal contains a good source of lean protein (chicken, fish, tofu), healthy fats (avocado, nuts, olive oil), and fibre-rich carbohydrates.
  • Anti-Inflammatory Foods: Incorporate foods like fatty fish (salmon, mackerel), turmeric, ginger, and leafy greens to help combat the low-grade inflammation often associated with PCOS.

To help with this, WeCovr provides all its life and health insurance clients with complimentary access to CalorieHero, an AI-powered calorie and nutrition tracking app. This tool can be incredibly useful for planning meals and monitoring your intake to support your PCOS management goals.

2. Regular Physical Activity

Exercise is a cornerstone of PCOS management. It improves your body's sensitivity to insulin, can help with weight management, and boosts your mood.

  • Cardiovascular Exercise: Aim for at least 150 minutes of moderate-intensity activity (like brisk walking, cycling, or swimming) per week.
  • Resistance Training: Building muscle through weightlifting or bodyweight exercises is particularly effective at improving insulin sensitivity.
  • Mind-Body Exercise: Activities like yoga and Pilates can help reduce stress levels, which is also beneficial for hormonal balance.

3. Sleep and Stress Management

Poor sleep and chronic stress can wreck your hormones, particularly cortisol. High cortisol levels can worsen insulin resistance and inflammation.

  • Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. Create a relaxing bedtime routine and ensure your bedroom is dark, quiet, and cool.
  • Practice Mindfulness: Techniques like meditation, deep breathing exercises, or simply spending time in nature can significantly lower stress levels. Many of the best PMI providers now include access to mindfulness apps like Headspace as part of their wellness benefits.

Choosing the Right Private Health Insurance Policy in the UK

Even though your policy won't cover PCOS management, it's still an incredibly valuable safety net for a vast range of other health issues, from cancer care and heart conditions to joint replacements and mental health support.

When choosing a policy, consider these key factors:

  • Outpatient Cover: This covers specialist consultations and diagnostic tests. If you want cover for the initial diagnosis of new conditions, a good level of outpatient cover is essential.
  • Hospital List: This dictates which private hospitals you can use. A national list gives you more choice than a local one.
  • Excess (illustrative): This is the amount you pay towards a claim. A higher excess (£500 or £1,000) can significantly reduce your monthly premium.
  • Added Benefits: Look for policies that include valuable extras like a 24/7 digital GP, mental health support lines, and wellness rewards or discounts.

Illustrative Monthly Premiums

Premiums vary widely based on age, location, cover level, and lifestyle. The table below gives a rough indication for a non-smoker.

AgeBasic Cover (High Excess)Comprehensive Cover (Low Excess)
30£35 - £50£70 - £95
40£45 - £65£90 - £120
50£60 - £90£130 - £180

Disclaimer: These are illustrative estimates only. Your actual quote will depend on your individual circumstances.

Furthermore, if you purchase a private medical or life insurance policy through WeCovr, you may be eligible for discounts on other types of cover, such as home or travel insurance, providing even greater value.

The Role of a Specialist PMI Broker Like WeCovr

Navigating the private medical insurance market can be complex, especially with a pre-existing condition like PCOS. This is where an independent, FCA-authorised broker is invaluable.

Here’s how WeCovr can help:

  1. Expert Advice: We understand the market inside-out, including how each insurer treats chronic conditions. We can explain the fine print in plain English.
  2. Whole-of-Market Comparison: We compare policies from all the UK's leading insurers, including AXA Health, Bupa, Aviva, and Vitality, to find the one that best suits your needs and budget.
  3. Application Support: We guide you through the application process, ensuring you declare your medical history accurately under FMU to prevent any problems at the point of a claim.
  4. No Cost to You: Our service is completely free. We receive a commission from the insurer you choose, but this doesn't affect the premium you pay.
  5. High-Quality Service: We pride ourselves on our high customer satisfaction ratings, offering unbiased and expert guidance to thousands of clients across the UK.

Frequently Asked Questions (FAQs)

Do I need to declare PCOS when applying for private health insurance?

Yes, you absolutely must. If you choose a policy with Full Medical Underwriting (FMU), you will be asked to provide a full medical history. Failing to disclose your PCOS diagnosis would be considered non-disclosure and could invalidate your entire policy, even for unrelated claims. If you opt for moratorium underwriting, you don't declare it upfront, but it will be automatically excluded anyway as a pre-existing condition. Honesty and transparency are always the best approach.

Can private health insurance help me get pregnant if I have PCOS?

Generally, no. The vast majority of private medical insurance policies in the UK explicitly exclude any form of fertility treatment, such as IUI or IVF. Some high-level comprehensive plans may offer limited cover for the initial *investigations* into the cause of infertility, but this is rare and would not extend to the treatment itself. You should always assume fertility treatments are not covered unless the policy documents state otherwise explicitly.

If PCOS is excluded, is private medical insurance still worth it?

Yes, for most people, it is still incredibly valuable. While PCOS will be excluded, your policy will still provide cover for a huge range of new, acute conditions that could affect you in the future. This includes fast access to diagnosis and treatment for cancer, heart conditions, joint and muscle problems (like a knee replacement), and mental health support, among hundreds of other conditions. It provides peace of mind and a safety net against long NHS waiting lists for many other potential health concerns.

What is the difference between moratorium and full medical underwriting for someone with PCOS?

With **Full Medical Underwriting (FMU)**, you declare your PCOS diagnosis, and the insurer formally excludes it from cover. This is very clear and transparent. With **Moratorium underwriting**, you don't declare it, but it's automatically excluded because you've had symptoms or advice for it in the last five years. Because PCOS is a chronic condition requiring ongoing management, it is almost impossible for it to ever become eligible for cover under the moratorium two-year rule, making it permanently excluded in practice.

Take the Next Step

While private health insurance may not offer a direct solution for the long-term management of PCOS, it provides an invaluable safety net for other health concerns and can be instrumental in securing a rapid diagnosis for new conditions.

Understanding your options is the first step. At WeCovr, our expert advisors are here to provide clear, personalised advice tailored to your unique circumstances.

Contact WeCovr today for a free, no-obligation quote and let us help you find the right private health cover for your peace of mind.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

Just ask yourself:
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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!

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Why is it important to get private medical insurance early?

👉 Many people are very thankful that they had their private medical insurance cover in place before running into some serious health issues. Private medical insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, and even our phones! Yet our health is the most precious thing we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of experienced advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced insurance experts who are passionate about advising people on financial matters related to private medical insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable private medical insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

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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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