WeCovr.

Private Health Insurance for Physiotherapists in the UK

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
📚 Recommended reads

Best Private Health Insurance UK 2026

Read

Average Cost of PMI (UK)

Read

PMI Provider Reviews

Read



Watch this on a dedicated video page
Scroll for the full guide
↓

TL;DR

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the unique health needs of UK professionals. This guide explores why private medical insurance is an essential tool for physiotherapists, helping you stay healthy so you can continue to care for your patients. Health cover that keeps physiotherapists fit and ready to help others As a physiotherapist, your body is your most valuable professional asset.

Key takeaways

  • High Risk of Injury: According to the UK's Health and Safety Executive (HSE), the "human health and social work" sector has one of the highest rates of work-related musculoskeletal disorders. In 2022/23, an estimated 473,000 workers suffered from work-related MSDs in Great Britain.
  • Common Ailments: Conditions like lower back pain, repetitive strain injury (RSI) in the wrists and hands, and shoulder problems are common occupational hazards for physiotherapists.
  • The Need for Swift Treatment: A minor niggle can quickly become a debilitating problem if not addressed promptly. Private health cover gives you immediate access to diagnostics like MRI scans and specialist consultations, preventing minor issues from escalating.
  • Sickness Absence: Office for National Statistics (ONS) data from 2023 showed that musculoskeletal problems were one of the leading causes of sickness absence in the UK.
  • Protecting Your Livelihood: PMI is not income protection, but by getting you treated faster, it significantly reduces the potential downtime and financial loss you might face while waiting for treatment.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the unique health needs of UK professionals. This guide explores why private medical insurance is an essential tool for physiotherapists, helping you stay healthy so you can continue to care for your patients.

Health cover that keeps physiotherapists fit and ready to help others

As a physiotherapist, your body is your most valuable professional asset. Your ability to bend, lift, manipulate, and demonstrate exercises is fundamental to your practice and your income. But what happens when you're the one in need of treatment? An injury or illness can put you out of action, impacting your patients, your practice, and your finances.

This is where private medical insurance (PMI) becomes more than just a benefit—it's a vital part of your professional toolkit. It offers a fast-track route to diagnosis and treatment, ensuring you get back on your feet and back to helping others as quickly as possible.

This comprehensive guide will walk you through everything you need to know about private health insurance for physiotherapists in the UK.

Why is Private Health Insurance a Smart Choice for Physiotherapists?

The demanding nature of your job puts you at a higher risk of specific health issues. Relying solely on the NHS, while an incredible service, can sometimes mean long waits that a self-employed or practice-based physio simply cannot afford.

The Physical Demands of Physiotherapy

Your daily work involves repetitive movements, awkward postures, and physically assisting patients. This makes you more susceptible to musculoskeletal disorders (MSDs).

  • High Risk of Injury: According to the UK's Health and Safety Executive (HSE), the "human health and social work" sector has one of the highest rates of work-related musculoskeletal disorders. In 2022/23, an estimated 473,000 workers suffered from work-related MSDs in Great Britain.
  • Common Ailments: Conditions like lower back pain, repetitive strain injury (RSI) in the wrists and hands, and shoulder problems are common occupational hazards for physiotherapists.
  • The Need for Swift Treatment: A minor niggle can quickly become a debilitating problem if not addressed promptly. Private health cover gives you immediate access to diagnostics like MRI scans and specialist consultations, preventing minor issues from escalating.

Real-Life Example:

Meet Sarah, a 35-year-old self-employed physiotherapist. She develops a persistent pain in her shoulder. Her NHS GP refers her for a scan, but the waiting list is 18 weeks. During this time, she can't perform certain manual techniques, has to reduce her client load, and her income drops. With PMI, Sarah could have seen a specialist within a week, had an MRI scan the following week, and started a course of treatment immediately, minimising disruption to her work.

The Financial Impact of Being Unable to Work

For many physiotherapists, especially those who are self-employed or run their own practice, time off work means a direct loss of income.

  • Sickness Absence: Office for National Statistics (ONS) data from 2023 showed that musculoskeletal problems were one of the leading causes of sickness absence in the UK.
  • Protecting Your Livelihood: PMI is not income protection, but by getting you treated faster, it significantly reduces the potential downtime and financial loss you might face while waiting for treatment.

Bypassing NHS Waiting Lists

The NHS is a national treasure, but it is under immense pressure. As of spring 2024, the median waiting time for non-emergency consultant-led treatment in England was around 15 weeks, with millions of people on the waiting list. For some specialisms and regions, the wait can be much longer.

Private medical insurance allows you to bypass these queues for eligible conditions, giving you:

  • Faster Diagnosis: Get scans (MRI, CT, PET) and consultations without the long wait.
  • Quicker Treatment: Schedule surgery or therapy at a time and place that suits you.
  • Choice and Control: Choose your specialist and hospital from a list provided by your insurer.

What Does Private Medical Insurance for Physiotherapists Actually Cover?

Private medical insurance is designed to cover the cost of treating acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and return you to your previous state of health.

Core Coverage Explained

Most standard private medical insurance UK policies include cover for treatment when you are admitted to hospital as an inpatient or day-patient.

Coverage TypeDescriptionWhat's Typically Included?
Inpatient CoverWhen you are admitted to a hospital bed overnight.Hospital accommodation, nursing care, specialist fees, surgery, drugs and dressings.
Day-patient CoverWhen you are admitted to hospital for a procedure but do not stay overnight.Same as inpatient cover, but for a single day. Includes procedures like arthroscopy.
Cancer CoverComprehensive cover for the diagnosis and treatment of cancer.Chemotherapy, radiotherapy, surgery, specialist consultations, and sometimes experimental treatments.

Optional Extras to Consider

To create a policy that truly fits your needs, you can add several optional benefits. For a physiotherapist, Outpatient Cover is arguably the most important add-on.

Optional ExtraWhy It's Valuable for a Physiotherapist
Outpatient CoverCovers diagnostic tests and consultations that don't require a hospital stay. This is crucial for getting a quick diagnosis for issues like joint pain or muscle strains. It includes specialist consultations and diagnostic scans (MRI, X-ray, etc.).
Therapies CoverThis is essential. It covers a set number of sessions for treatments like physiotherapy, osteopathy, and chiropractic care. As a physio, you know the value of this better than anyone.
Mental Health CoverThe stress of running a business and the emotional toll of patient care can be significant. This add-on provides access to counsellors, therapists, and psychiatrists.
Dental and OpticalCovers routine check-ups, treatments, and the cost of glasses or contact lenses.

Crucial Exclusions: Pre-existing and Chronic Conditions

This is the most important concept to understand about UK private health insurance.

Standard PMI policies DO NOT cover:

  1. Pre-existing Conditions: Any illness, disease, or injury you have had symptoms of, received advice for, or been treated for in the years leading up to your policy start date (usually the last 5 years).
  2. Chronic Conditions: Illnesses that cannot be cured and require ongoing, long-term management, such as diabetes, asthma, arthritis, or high blood pressure. PMI is for conditions that can be resolved.

PMI is for new, eligible medical problems that arise after you take out the cover. If a pre-existing condition returns, it may become eligible for cover after a set period of time (usually 2 years) provided you haven't had any symptoms or treatment for it in that time. An expert PMI broker like WeCovr can help you navigate these rules.

How Does Private Health Insurance Work? The Patient Journey

So, you've taken out a policy. How do you actually use it? The process is straightforward.

Step 1: Experiencing a Symptom

You start experiencing a new symptom, for example, persistent pain in your wrist that wasn't there before.

Step 2: Seeing Your GP

You visit your NHS or a private GP. The GP assesses you and decides you need to see a specialist, such as an orthopaedic consultant.

Step 3: Getting an Open Referral

Your GP gives you an 'open referral' letter. This means they recommend you see a certain type of specialist, but they don't name a specific person. This gives your insurer the flexibility to help you find a suitable consultant from their approved network.

Step 4: Contacting Your Insurer

You call your insurance provider's claims line with your policy number and the details from your referral letter.

Step 5: Receiving Private Treatment

Your insurer authorises the consultation. They will provide you with a list of approved specialists and hospitals. You book your appointment, get diagnosed (perhaps with an MRI scan, also covered), and begin your treatment journey—all within days or weeks, not months.

Choosing the Best PMI Provider in the UK for Physiotherapists

The UK market is home to several excellent insurers. The "best" one depends entirely on your personal needs, budget, and priorities.

Key Factors to Compare

  • Hospital List: Does the insurer cover the private hospitals in your local area? Some offer national lists, while others have more restricted "local" lists to reduce costs.
  • Cancer Cover: All major providers offer excellent cancer cover, but the specifics can vary. Look at what's covered as standard versus what requires an upgrade.
  • Outpatient & Therapies Limits: Check the financial limits or number of sessions offered for outpatient cover and therapies. As a physio, a generous therapy allowance is a huge plus.
  • Excess Level (illustrative): This is the amount you agree to pay towards a claim. A higher excess (£500, £1,000) will lower your monthly premium.
  • No Claims Discount (NCD): Similar to car insurance, most insurers offer a discount on your premium for every year you don't make a claim.
  • Member Benefits & Wellness Programmes: Many insurers now offer perks like discounted gym memberships, wearable tech, and mental health apps.

Comparing Major UK PMI Providers

Here is a brief overview of what some of the leading providers offer. For a detailed, personalised comparison, it's best to speak with an independent broker.

ProviderKey Strengths & FeaturesIdeal For
AXA HealthExcellent core cover, strong mental health pathway, and a 'Guided Option' (where they choose the specialist) to reduce premiums. Known for good customer service.Those wanting a blend of quality, comprehensive cover and guided treatment options.
BupaThe UK's best-known health insurer. Extensive hospital network and comprehensive cancer cover. Their 'Bupa from Home' service offers remote consultations.Physiotherapists looking for a trusted brand with a vast network and direct access to services without a GP referral for certain conditions.
AvivaOften competitively priced, with a strong digital offering (Aviva DigiCare+ app). Their "Expert Select" option also helps manage costs by guiding your hospital choice.Budget-conscious individuals who are comfortable with a more digital-first approach and guided healthcare choices.
VitalityUnique approach that rewards healthy living. You earn points for being active, which can reduce your premiums and unlock rewards like cinema tickets and coffee.Active physiotherapists who will engage with the wellness programme to earn rewards and keep their premiums down.

How Much Does Private Health Insurance Cost for a Physiotherapist?

The cost of your premium is highly individual. It's calculated based on a range of risk factors.

Factors Influencing Your Premium

  • Age: The older you are, the higher the premium, as the risk of claiming increases.
  • Location: Premiums are typically higher in London and the South East due to the higher cost of private treatment there.
  • Level of Cover: A comprehensive policy with high outpatient limits will cost more than a basic inpatient-only plan.
  • Excess: Choosing a higher excess will directly reduce your monthly cost.
  • Underwriting Type: The method the insurer uses to assess your medical history.
  • Smoker Status: Smokers pay more than non-smokers.

Example Monthly Premiums

The table below gives an indicative idea of monthly costs for a non-smoking physiotherapist based in a non-London location, with a £250 excess and mid-level outpatient cover. These are for illustration only. (illustrative estimate)

AgeEstimated Monthly Premium
30£45 - £65
40£60 - £85
50£85 - £120

Disclaimer: These prices are estimates from mid-2024 and can vary significantly between providers and based on individual circumstances. For an accurate quote, you must get a personalised comparison.

Tips for Reducing Your PMI Costs

  1. Increase Your Excess: Opting for a £500 or £1,000 excess can reduce your premium by 20-40%.
  2. Choose a 6-Week Wait Option: This is a clever compromise. Your policy will only kick in if the NHS waiting list for the inpatient treatment you need is longer than six weeks. If it's shorter, you use the NHS. This can significantly cut costs.
  3. Select a Guided or Restricted Hospital List: Agreeing to use a smaller network of hospitals chosen by your insurer will lower your premium.
  4. Review Your Cover Annually: Your needs may change. Don't just auto-renew. An annual review with a broker can ensure you're not overpaying.
  5. Stay Healthy: With a provider like Vitality, your activity levels can directly lead to lower premiums.

The Role of an Expert PMI Broker like WeCovr

You can buy a policy directly from an insurer or use an independent broker. For most people, a broker is the smarter choice.

Why Use a Broker Instead of Going Direct?

  • Whole-of-Market Advice: A broker works for you, not the insurer. They compare policies from across the market to find the best fit for your specific needs and budget. A direct insurer can only sell you their own products.
  • Expert Knowledge: Brokers are specialists. They understand the complex jargon, the policy nuances, and the "small print" that can make a big difference at claim time.
  • No Extra Cost: Brokers are paid a commission by the insurer you choose, so their service and advice are typically free for you.
  • Application & Claims Support: A good broker will help you with the application process and can provide invaluable assistance if you need to make a claim.

The WeCovr Advantage: Expertise, Comparison, and More

At WeCovr, we specialise in helping professionals like you find the right protection. As an FCA-authorised broker with high customer satisfaction ratings, we provide:

  • Personalised Advice: We take the time to understand the unique demands of being a physiotherapist.
  • Transparent Comparisons: We'll present you with clear, easy-to-understand quotes from the UK's leading insurers.
  • Ongoing Support: We're here for you at renewal and if you ever need to claim.
  • Exclusive Benefits: When you arrange a PMI or Life Insurance policy through WeCovr, we also offer discounts on other types of cover, such as income protection or professional indemnity insurance, helping you build a complete protection portfolio.

Beyond Health Insurance: A Holistic Approach to Wellbeing for Physiotherapists

While PMI is a reactive tool for when things go wrong, proactive self-care is your first line of defence.

Essential Self-Care Tips for Physios

  1. Practice What You Preach: Do your own prescribed stretches and strengthening exercises. Maintain good core stability and postural awareness throughout your workday.
  2. Perfect Your Manual Handling: Use electric plinths, vary your posture, and use your body weight efficiently rather than raw strength.
  3. Schedule Recovery Time: Don't book patients back-to-back all day. Schedule short breaks to stretch, rehydrate, and mentally reset.
  4. Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. This is when your body repairs muscle tissue and consolidates learning.
  5. Balanced Nutrition: Fuel your body correctly. A balanced diet rich in protein, complex carbohydrates, and anti-inflammatory foods (like omega-3s) can support muscle health and energy levels.

Leveraging Technology for Health: The CalorieHero App

Nutrition is a cornerstone of physical resilience. To support our clients' overall wellbeing, WeCovr provides complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. This tool makes it simple to monitor your intake, ensure you're getting the right nutrients to fuel your demanding job, and maintain a healthy weight—all key factors in preventing injury and illness.

Understanding Underwriting: How Your Medical History is Assessed

When you apply for PMI, the insurer needs to assess your medical history. This is done through a process called underwriting. There are two main types.

1. Moratorium Underwriting (Most Common)

This is the simplest and quickest method. You don't have to declare your full medical history upfront. Instead, the insurer applies a general clause that excludes treatment for any condition you've had symptoms, treatment, or advice for in the 5 years before your policy began.

However, if you then go for a continuous 2-year period after your policy starts without any symptoms, treatment, or advice for that condition, it may become eligible for cover.

  • Pros: Quick application, less paperwork.
  • Cons: Lack of certainty at the start; a claim may be investigated to see if it relates to a pre-existing condition.

2. Full Medical Underwriting (FMU)

With FMU, you complete a detailed health questionnaire as part of your application, declaring your entire medical history. The insurer then assesses this and tells you from day one exactly what is and isn't covered. Any specific conditions will be listed as exclusions on your policy documents.

  • Pros: Complete clarity and certainty from the outset.
  • Cons: Longer application process; permanent exclusions may be applied.

An expert broker can advise on which type of underwriting is best for your personal circumstances.

Making a Claim: A Simple Guide

  1. See your GP: Get a referral for your new, eligible condition.
  2. Call your insurer: Have your policy number ready. Explain the situation and provide the referral details.
  3. Get Authorisation: The insurer will check your cover and issue an authorisation number for your consultation or treatment.
  4. Book your appointment: Contact the approved specialist or hospital to book your appointment, quoting your authorisation number.
  5. Bills are settled directly: In most cases, the hospital and specialist will bill your insurer directly. You only need to pay your chosen excess.

Frequently Asked Questions (FAQs)

Generally, yes. Most standard UK private medical insurance policies will cover you for acute injuries sustained at work, such as a back strain from lifting a patient. However, it's crucial to check the specific wording of your policy. Some policies may have exclusions related to occupational hazards, so it's important to clarify this with your insurer or broker. The cover is for treatment, not for any loss of earnings.

Can I add my family to my private health insurance policy?

Yes, absolutely. Most insurers allow you to add your partner and children to your policy. This can often be more convenient and sometimes more cost-effective than taking out separate policies for everyone. Each person added will affect the total premium, as the cost is based on the age and medical history of each individual on the policy.

What happens if I develop a chronic condition after taking out a policy?

This is a key point. Private medical insurance is designed for acute conditions. If you develop a chronic condition (like arthritis or diabetes) after your policy has started, your PMI will typically cover the costs of the initial diagnosis and tests to stabilise the condition. However, once it is diagnosed as chronic, the ongoing, long-term management will usually revert to the NHS. Some comprehensive policies may offer a degree of chronic care monitoring, but this is not standard.

Is mental health support included as standard?

Basic mental health support is often included in core policies, but it can be limited. Many insurers offer a more comprehensive mental health add-on that significantly expands this cover. This can provide access to a wider range of therapies, specialist consultations, and even inpatient psychiatric care if needed. Given the pressures of the profession, this is a highly recommended option for physiotherapists to consider.

Your health is your livelihood. Protecting it with the right private medical insurance is one of the most sensible investments you can make in your career and personal wellbeing. It provides peace of mind, financial security, and fast access to the very care you dedicate your life to providing for others.

Ready to find the right cover to protect your most important asset?

Get a free, no-obligation quote from WeCovr today. Our expert advisors will compare the UK's leading insurers to find a policy that fits your needs and your budget, ensuring you're always fit to practice.

Sources

  • Department for Transport (DfT): Road safety and transport statistics.
  • DVLA / DVSA: UK vehicle and driving regulatory guidance.
  • Association of British Insurers (ABI): Motor insurance market and claims publications.
  • Financial Conduct Authority (FCA): Insurance conduct and consumer information guidance.
Get Quote

Related tools

NHS Wait vs Private Cost MapOpen →
Private Surgery Price ListOpen →
Health Risk AssessmentOpen →
Can I Get Covered? CheckerOpen →
International PMI CalculatorOpen →
PMI Provider ReviewsOpen →
Back to Private Health Insurance (PMI) hub

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.

Flagship guides

Best Private Health Insurance UK 2026
Read now →
Average Cost of Private Health Insurance UK 2026
Read now →
Should I Get Private Health Insurance?
Read now →

Explore insurance hubs

PMI Guides Hub
Life Insurance Guides Hub
Income Protection Guides Hub

Related guides

Private Health Insurance for Physiotherapists
Private Health Insurance for Physiotherapists
Read more →

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get private medical insurance early?

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

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

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

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

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

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

Our Group Is Proud To Have Issued 900,000+ 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!