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Private Health Insurance for Physiotherapy in the UK

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

From nagging aches to serious sports injuries, musculoskeletal issues can put your life on hold. In the UK, finding fast and effective physiotherapy is key to recovery. This guide explores how private medical insurance from an expert broker like WeCovr, an FCA-authorised firm that has helped arrange over 900,000 policies, can be your fastest route back to fitness.

Key takeaways

  • Reduce recovery time: Early treatment prevents an acute injury from becoming a chronic problem.
  • Alleviate pain faster: Get expert, hands-on treatment to manage pain and improve mobility.
  • Provide a tailored recovery plan: Private physios can often spend more time with you, creating a bespoke rehabilitation programme.
  • Offer peace of mind: Knowing you have cover in place removes the stress and uncertainty of waiting for treatment.
  • Comprehensive Outpatient Cover: This is the highest level of cover. It will typically pay for all your eligible outpatient costs in full, including specialist consultations, diagnostic tests (like MRI scans), and therapies like physiotherapy.

From nagging aches to serious sports injuries, musculoskeletal issues can put your life on hold. In the UK, finding fast and effective physiotherapy is key to recovery. This guide explores how private medical insurance from an expert broker like WeCovr, an FCA-authorised firm that has helped arrange over 900,000 policies, can be your fastest route back to fitness.

PMI designed for sports injuries and rehabilitation

Whether you're a weekend warrior, a dedicated athlete, or simply twisted your ankle walking the dog, injuries happen. When they do, quick access to physiotherapy is crucial for a swift and complete recovery. While the NHS provides excellent care, waiting lists for services like physiotherapy can sometimes stretch for weeks or even months, depending on your location.

This is where private medical insurance (PMI) comes in. It's a policy you pay for that gives you access to private healthcare for acute conditions. For anyone active, one of the most valuable benefits of a PMI policy is its cover for physiotherapy and rehabilitation.

Think of it as a fast-track pass. Instead of waiting, you can get a referral from your GP (or a digital GP service included in your policy) and often be seeing a private physiotherapist within days. This rapid intervention can:

  • Reduce recovery time: Early treatment prevents an acute injury from becoming a chronic problem.
  • Alleviate pain faster: Get expert, hands-on treatment to manage pain and improve mobility.
  • Provide a tailored recovery plan: Private physios can often spend more time with you, creating a bespoke rehabilitation programme.
  • Offer peace of mind: Knowing you have cover in place removes the stress and uncertainty of waiting for treatment.

In the UK, musculoskeletal (MSK) issues are a significant concern. According to the Health and Safety Executive, an estimated 477,000 workers suffered from a work-related musculoskeletal disorder in 2022/23. Private health cover is an increasingly popular way for individuals and families to protect themselves against the disruption these conditions can cause.

Understanding How Private Health Insurance Covers Physiotherapy

When you're looking at private health insurance in the UK, it's important to understand how physiotherapy is covered, as it can vary between insurers and policies. Essentially, it's treated as a form of outpatient treatment.

What does 'outpatient' mean? An outpatient is someone who receives treatment, a consultation, or a test at a hospital or clinic but doesn't need to stay overnight. Physiotherapy almost always falls into this category.

Most PMI policies offer different levels of outpatient cover, which directly impacts your physiotherapy benefit:

  1. Comprehensive Outpatient Cover: This is the highest level of cover. It will typically pay for all your eligible outpatient costs in full, including specialist consultations, diagnostic tests (like MRI scans), and therapies like physiotherapy.
  2. Capped Outpatient Cover: Many policies have a financial limit on outpatient services per policy year, for example, £500, £1,000, or £1,500. This cap is the total amount the insurer will pay for all your outpatient needs, including physio. A £1,000 cap could cover a specialist visit, an MRI, and a course of physiotherapy.
  3. Therapy-Specific Limits (illustrative): Some insurers separate therapies from other outpatient benefits. Your policy might state you have, for instance, up to 10 physiotherapy sessions per year, or a specific monetary limit just for therapies (e.g., £500 for physio, osteopathy, and chiropractic care combined).

The Crucial Distinction: Acute vs. Chronic Conditions

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

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include a sprained ligament, a muscle tear, or rehabilitation after a knee replacement. PMI is designed to cover acute conditions.
  • Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, has no known cure, is likely to recur, or requires ongoing management. Examples include osteoarthritis or rheumatoid arthritis. Standard PMI does not cover the long-term, ongoing management of chronic conditions.

So, if you tear your Achilles tendon playing tennis (an acute injury), your PMI will cover the surgery and the subsequent physiotherapy to get you back on your feet. However, it would not cover regular physiotherapy sessions simply to manage the general stiffness of long-term arthritis.

What About Pre-existing Conditions?

Insurers will not cover medical conditions you have had symptoms of, or received advice or treatment for, in the years leading up to taking out the policy (usually the last 5 years).

There are two main ways they handle this:

  • Moratorium Underwriting: This is the most common method. You don't declare your medical history upfront. The insurer will automatically exclude any condition you've had in the last 5 years. However, if you go for 2 continuous years without any symptoms, treatment, or advice for that condition after your policy starts, it may become eligible for cover.
  • Full Medical Underwriting (FMU): You complete a full health questionnaire when you apply. The insurer reviews your medical history and tells you exactly what is and isn't covered from day one. This provides more certainty but may result in permanent exclusions for certain conditions.

An expert PMI broker can help you decide which underwriting method is best for your circumstances.

The Patient Journey: From Injury to Recovery with PMI

So, you've got your PMI policy and you've unfortunately picked up an injury. What happens next? The process is generally straightforward.

A Real-Life Example: Sarah, a 35-year-old marketing manager and keen runner, has a mid-level PMI policy with £1,000 of outpatient cover. During a 10k race, she feels a sharp pain in her calf. (illustrative estimate)

Here is her journey back to health using her private health cover:

  1. Initial GP Visit: Sarah's calf is still painful the next day. She uses the 24/7 digital GP service included in her PMI policy. After a video consultation, the GP suspects a muscle tear and provides an open referral for physiotherapy.

  2. Contact the Insurer: Sarah calls her insurance provider's claims line. She provides her policy number and the details of her injury and GP referral.

  3. Authorisation: The insurer checks her policy. They confirm that physiotherapy for an acute muscle injury is covered under her outpatient limit. They authorise an initial block of 6 physiotherapy sessions and provide her with a list of approved physiotherapists and clinics in her area.

  4. Booking the Appointment: Sarah chooses a clinic near her office from the approved list and books her first appointment for the very next day.

  5. Treatment Begins: The physiotherapist assesses her calf, confirms a Grade 2 tear, and begins treatment with massage, ultrasound, and a programme of strengthening exercises.

  6. Direct Billing (illustrative): After each session, the physiotherapy clinic sends the bill directly to Sarah's insurer. She doesn't have to pay anything out of pocket, as her policy has a £0 excess. The cost of each £60 session is deducted from her £1,000 outpatient limit.

  7. Review and Further Sessions: After 6 sessions, Sarah's calf is much better but not fully recovered. Her physiotherapist writes a short report for the insurer recommending a further 4 sessions. Sarah calls her insurer again, they review the report, and authorise the additional treatment.

  8. Full Recovery: After 10 sessions (£600 total cost), Sarah is pain-free and back to light jogging. She still has £400 left on her outpatient limit for the rest of the policy year. The entire process, from injury to recovery, took just over a month. Without PMI, she might still have been waiting for her first NHS appointment.

What to Look for in a PMI Policy for Physiotherapy Cover

When comparing policies, it's easy to get lost in the details. If physiotherapy and sports injury cover are your priority, focus on these key features.

FeatureWhat to Look ForWhy It Matters
Outpatient Cover LimitA limit that reflects your needs. £1,000-£1,500 is a good mid-range option. 'Full cover' is best but more expensive.This is your total pot of money for consultations, scans, and therapies. A low limit (£500) might not be enough for a complex injury requiring diagnostics and a long course of physio.
Therapy Session LimitsCheck if the policy limits the number of sessions (e.g., 10 per year) instead of, or in addition to, a financial cap.A session limit can be restrictive. A financial cap often provides more flexibility, as you can have more sessions if your chosen physio is less expensive.
Types of TherapyLook for policies that cover physiotherapy, osteopathy, and chiropractic care as a minimum. Some also cover podiatry or acupuncture.A broader range of covered therapies gives you and your GP more options to find the most effective treatment for your specific MSK issue.
Excess LevelAn excess is the amount you pay towards a claim. Options typically range from £0 to £1,000.Choosing a higher excess (e.g., £250 or £500) can significantly reduce your monthly premium. If you don't expect to claim often, this is a great way to save money.
Digital GP ServicesCheck if the policy includes access to a 24/7 virtual GP service.This is a game-changer for getting a quick referral. You can get medical advice and a referral letter in minutes from your phone, bypassing NHS GP waiting times.
Hospital ListA list of private hospitals you are allowed to use. For physio, this is less critical, but vital if your injury might need surgery.Ensure the list includes hospitals and clinics that are convenient for you. A more limited list usually means a cheaper premium.

Comparing all these variables across different providers can be complex. This is where using an independent PMI broker like WeCovr is invaluable. They can quickly analyse your needs and budget to find policies with the right level of physiotherapy cover for you, at no extra cost.

Comparing Top UK Private Health Insurance Providers for Physio Cover

The UK's leading health insurers all offer excellent cover for physiotherapy, but they each have slightly different approaches. Here’s a general overview to help you understand the market.

ProviderTypical Approach to Physio CoverUnique Features & Considerations
AXA HealthOften has a strong focus on musculoskeletal (MSK) pathways. Their "Guided" options can direct you to specific specialists to streamline your care. Physio is a core part of their comprehensive outpatient cover.AXA's 'Health on Hand' service provides 24/7 access to nurses and pharmacists. Their MSK support services can be very proactive.
BupaProvides a wide range of cover levels. Physio is included in most policies with outpatient cover. Bupa also operates its own network of health and dental centres, which can offer a seamless experience.Bupa's 'Direct Access' service for some conditions means you may not need a GP referral, speeding up access to care for issues like cancer and mental health (check policy for specifics on MSK).
AvivaKnown for their 'Back-to-Better' MSK service, which offers an end-to-end solution for muscle, bone, and joint problems, often with no excess to pay. Cover is typically defined by an overall outpatient limit.The 'Back-to-Better' proposition is very strong for anyone concerned about MSK health. Aviva often has competitive premiums.
VitalityUnique for its wellness-based model. They actively reward you for being healthy (e.g., tracking steps, gym visits) with discounts and perks. Physiotherapy cover is comprehensive, but they also place a huge emphasis on prevention.If you are motivated by rewards and enjoy tracking your activity, Vitality can be a fantastic choice. The more you look after yourself, the cheaper your cover can become.

Note: This table is for illustrative purposes. Policy features and benefits change regularly. An expert broker can provide the most current and detailed comparisons.

The Cost of Private Physiotherapy vs. a PMI Policy

A common question is: "Should I just pay for physiotherapy myself as and when I need it?"

Let's do the maths.

  • Illustrative estimate: The average cost of a single private physiotherapy session in the UK is between £50 and £80.
  • A moderate injury, like a significant ankle sprain, might require 8-10 sessions.

Cost without insurance: 10 sessions x £65 (average cost) = £650 (illustrative estimate)

This doesn't include the cost of seeing a private specialist for a diagnosis (£200-£300) or any diagnostic scans, like an MRI, which can cost £400-£800. A single injury could easily cost you well over £1,000. (illustrative estimate)

Now, consider the cost of a private medical insurance policy. For a healthy 30-40-year-old, a mid-range policy with good outpatient cover could cost between £40 and £70 per month.

For a predictable monthly fee, you get:

  • Cover for your physiotherapy costs.
  • Cover for specialist consultations and diagnostic scans.
  • Access to private surgery and hospital stays if needed.
  • Access to digital GPs and mental health support.
  • Peace of mind that you're covered for a whole range of health issues, not just one injury.

For many, the value and security offered by a PMI policy far outweigh the potential for a large, unexpected out-of-pocket expense.

Beyond Physiotherapy: Complementary Therapies and Wellness Benefits

Modern private health insurance is about more than just reacting to illness; it's about promoting overall wellbeing. Many policies extend their therapy cover beyond just physiotherapy.

Complementary Therapies

Look for policies that also include cover for:

  • Osteopathy: Focuses on the diagnosis, treatment, and prevention of MSK disorders by moving, stretching, and massaging a person's muscles and joints.
  • Chiropractic: Aims to treat MSK problems by performing adjustments ('manipulations') to the spine and other parts of the body.
  • Podiatry / Chiropody: Deals with the diagnosis and treatment of foot and lower limb conditions. Essential for runners and athletes.
  • Acupuncture: Some insurers cover acupuncture when performed by a qualified medical professional for pain relief.

Wellness and Injury Prevention

Preventing an injury is always better than treating one. Leading insurers now include benefits designed to keep you healthy. This can include:

  • Discounts on gym memberships and fitness trackers.
  • Online health assessments and coaching.
  • Rewards for healthy behaviour, like hitting a daily step count.

WeCovr enhances this by providing customers who purchase PMI or Life Insurance with complimentary access to CalorieHero, an AI-powered calorie and nutrition tracking app. Proper nutrition is vital for muscle repair, energy levels, and maintaining a healthy weight, which reduces stress on your joints.

Furthermore, WeCovr customers can often access discounts on other types of cover, such as life insurance or income protection, creating a comprehensive safety net for their health and finances.

How WeCovr Can Help You Find the Right Cover

Navigating the private medical insurance market can feel overwhelming. The terminology is confusing, and every policy has different nuances. This is where an independent broker adds immense value.

WeCovr is an FCA-authorised expert in the UK private health insurance market. Our service is designed to make the process simple, transparent, and effective for you.

Here’s how we help:

  1. Listen to Your Needs: We start by understanding what's important to you – your health priorities (like physio), your budget, and your personal circumstances.
  2. Scan the Market: We use our expertise and technology to compare policies from a wide range of leading UK insurers. We are not tied to any single provider, so our advice is completely impartial.
  3. Explain Your Options in Plain English: We'll break down the best options for you, explaining the pros and cons of each. We'll clarify what outpatient limits, excess, and underwriting mean for you in practice.
  4. Find the Best Price: Our relationships with insurers mean we can find the most competitive premiums for the level of cover you need.
  5. Handle the Paperwork: We assist you with the application process to ensure everything is smooth and straightforward.
  6. Provide Ongoing Support: Our service doesn't stop once you've bought the policy. We're here to help with any questions you may have in the future.

Our service is provided at no cost to you. We are paid a commission by the insurer you choose, so you get expert, independent advice for free. With high customer satisfaction ratings, our focus is entirely on finding the right outcome for our clients.

Do I need a GP referral for private physiotherapy with my insurance?

In most cases, yes. The vast majority of UK private medical insurance policies require a referral from a GP before they will authorise specialist treatment, including physiotherapy. This is to ensure the treatment is medically necessary and appropriate for your condition. However, many modern policies include access to a 24/7 digital GP service, which allows you to get a referral very quickly, often within hours, without needing to wait for an appointment at your local NHS surgery.

Will my PMI cover physiotherapy for a long-term condition like arthritis?

Generally, no. Standard private medical insurance in the UK is designed to cover 'acute' conditions – illnesses or injuries that are expected to respond to treatment and resolve. It does not cover the routine, ongoing management of 'chronic' conditions like osteoarthritis. However, if you have a policy in place and suffer an acute flare-up or a new, related injury (for example, a knee strain made worse by underlying arthritis), the insurer may cover a short course of physiotherapy to treat that specific acute episode. The key is that the treatment must be aimed at restoring you to your previous state of health, not just managing a long-term condition.

How many physiotherapy sessions will my private health insurance cover?

This depends entirely on your specific policy. There are two common approaches:
  • Financial Limit: Your policy may have an overall outpatient limit (e.g., £1,000 per year). This pot of money is used for all outpatient care, including physiotherapy. If a session costs £60, a £1,000 limit would cover up to 16 sessions, assuming no other outpatient costs.
    • (illustrative estimate)
  • Session Limit: Some policies specify a set number of therapy sessions, for example, 'up to 10 sessions of physiotherapy per policy year'.
It's crucial to check your policy documents or ask a broker to clarify the exact limits on your chosen private health cover. Insurers typically authorise a small block of sessions first (e.g., 6) and will only authorise more if the physiotherapist provides a report showing that further treatment is clinically necessary.

Ready to Get Back in the Game?

Don't let an injury sideline you. With the right private medical insurance, you can access expert physiotherapy and rehabilitation services quickly, helping you recover faster and get back to doing what you love.

Contact WeCovr today for a free, no-obligation quote. Our friendly experts will compare the market for you and find the perfect private health cover for your needs and budget.

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:
👉 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:

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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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