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Private Health Insurance for Poets in the UK

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

As an FCA-authorised broker that has helped arrange over 900,000 policies, we at WeCovr understand that securing the right private medical insurance in the UK is about protecting your health and your livelihood. This guide is crafted for the unique needs of poets and literary artists. Comprehensive PMI for literary artists Private Medical Insurance (PMI), often called private health cover, is a type of insurance policy designed to cover the costs of private healthcare for acute medical conditions.

Key takeaways

  • No Sick Pay: If you're too unwell to write, meet deadlines, or perform, your income stops.
  • Project-Based Work: Delays due to illness can jeopardise commissions, grants, or teaching opportunities.
  • Physical Demands: While not physically strenuous, the life of a writer involves long hours of sitting, which can lead to musculoskeletal issues. Performance poetry adds the physical stress of travel and stage presence.
  • Mental Strain: The uncertainty of waiting for a diagnosis or treatment can be a significant source of stress, directly impacting your creative flow.
  • In-patient Treatment: This covers you when you are admitted to a hospital and need to stay overnight. It includes costs for your room, nursing care, surgeon and anaesthetist fees, and specialist consultations while you are in hospital.

As an FCA-authorised broker that has helped arrange over 900,000 policies, we at WeCovr understand that securing the right private medical insurance in the UK is about protecting your health and your livelihood. This guide is crafted for the unique needs of poets and literary artists.

Comprehensive PMI for literary artists

Private Medical Insurance (PMI), often called private health cover, is a type of insurance policy designed to cover the costs of private healthcare for acute medical conditions. For a monthly payment, known as a premium, you gain access to a network of private hospitals, specialists, and treatments, helping you bypass potential NHS waiting lists and receive care more quickly.

For a poet, whose creativity and income depend on their physical and mental wellbeing, PMI is not a luxury. It is a practical tool for managing health risks in a career that often lacks the safety net of traditional employment, such as statutory sick pay. It offers peace of mind, allowing you to focus on your craft, knowing that if an unexpected health issue arises, you have a plan in place.

Why Should Poets Consider Private Health Insurance?

While the UK is rightly proud of its National Health Service (NHS), the system is facing unprecedented demand. For a self-employed artist, the consequences of these pressures can be significant.

The Reality of NHS Waiting Times

The NHS provides exceptional care, but waiting lists for consultations, diagnostics, and non-urgent surgery can be long.

According to NHS England statistics from early 2025, millions of people are on referral-to-treatment waiting lists. The median waiting time can stretch into several months for certain procedures. For a poet, this isn't just an inconvenience; it's a period of potential lost income, creative stagnation, and mounting anxiety. A long wait for a hip replacement or even a diagnostic MRI scan for persistent back pain can make it impossible to sit and write, attend readings, or manage the daily demands of a freelance career.

The Freelancer's Dilemma: Health vs. Work

Unlike salaried employees, most poets and freelance writers do not have access to company health schemes or generous sick pay. Your ability to earn is directly tied to your ability to work.

  • No Sick Pay: If you're too unwell to write, meet deadlines, or perform, your income stops.
  • Project-Based Work: Delays due to illness can jeopardise commissions, grants, or teaching opportunities.
  • Physical Demands: While not physically strenuous, the life of a writer involves long hours of sitting, which can lead to musculoskeletal issues. Performance poetry adds the physical stress of travel and stage presence.
  • Mental Strain: The uncertainty of waiting for a diagnosis or treatment can be a significant source of stress, directly impacting your creative flow.

PMI helps mitigate these risks by providing a faster route to diagnosis and treatment, reducing the time you spend unwell and unable to work.

Peace of Mind for the Creative Mind

Perhaps the most crucial benefit is intangible: peace of mind. The creative process thrives on focus and mental clarity. Worrying about a nagging health concern, a long wait for a specialist, or the financial implications of being ill can poison the well of inspiration.

Knowing you have a private health cover plan in place lifts that burden. It’s an investment in your continuous ability to create, secure in the knowledge that your health is prioritised.

Understanding What Private Medical Insurance UK Policies Actually Cover

PMI policies are built in layers, starting with a core foundation and allowing you to add extra benefits to suit your needs and budget.

Core Cover: The Essentials

Almost all UK PMI policies include 'in-patient' and 'day-patient' cover as standard.

  • In-patient Treatment: This covers you when you are admitted to a hospital and need to stay overnight. It includes costs for your room, nursing care, surgeon and anaesthetist fees, and specialist consultations while you are in hospital.
  • Day-patient Treatment: This is for procedures where you are admitted to a hospital or clinic for a planned procedure but do not need to stay overnight. Examples include minor surgeries like cataract removal or arthroscopy.

Core cover also typically includes a level of cancer cover, which is one of the most valued benefits of PMI.

Optional Add-ons: Tailoring Your Cover

To create a more comprehensive policy, you can add optional benefits. The most common is 'out-patient' cover.

  • Out-patient Cover: This is for diagnosis and treatment where you are not admitted to a hospital. It is vital for getting a speedy diagnosis. It covers:
    • Specialist Consultations: Seeing a consultant cardiologist for chest pains or a dermatologist for a skin condition.
    • Diagnostic Tests: MRI scans, CT scans, X-rays, and blood tests.
    • Therapies: Post-operative physiotherapy or sessions with a clinical psychologist.

Out-patient cover is often sold in tiers, with limits on the number of sessions or a total monetary value per policy year (e.g., £500, £1,000, or unlimited). (illustrative estimate)

A Deeper Look at Key Benefits

BenefitWhat It Typically IncludesWhy It's Important for a Poet
Cancer CoverDiagnosis, surgery, chemotherapy, radiotherapy. Access to specialist drugs and treatments not always available on the NHS.Provides comprehensive support through a difficult diagnosis, offering choice over treatment paths and reducing waiting times.
Mental Health CoverConsultations with psychiatrists, sessions with psychologists or therapists. May include support for conditions like anxiety and depression.The creative life can be isolating and stressful. This cover provides vital, timely support to protect your mental wellbeing.
Therapies CoverPhysiotherapy, osteopathy, chiropractic treatment.Addresses musculoskeletal issues from long hours at a desk (e.g., "writer's back") or repetitive strain injury (RSI).
Dental & OpticalCan be added to some policies to cover routine check-ups, major dental work, or the cost of glasses and contact lenses.A useful addition for comprehensive health management, though often with specific limits.

An expert broker, like WeCovr, can help you understand which add-ons provide the most value for your specific circumstances, ensuring you don’t pay for cover you don’t need.

The Critical Exclusions: What PMI Doesn't Cover

This is arguably the most important section to understand. UK private medical insurance is designed to treat acute conditions that arise after you take out your policy.

An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of a joint replacement, cataract surgery, or treating a hernia.

Pre-existing and Chronic Conditions are Not Covered

Standard PMI policies do not cover:

  1. Pre-existing Conditions: Any illness, disease, or injury for which you have had symptoms, medication, advice, or treatment before your policy started.
  2. Chronic Conditions: Illnesses that cannot be cured and need long-term management, rather than a one-off treatment. Examples include diabetes, asthma, high blood pressure, and most forms of arthritis.

An Analogy: Think of PMI like home insurance. It will pay to fix a sudden, unexpected burst pipe (an acute condition). It will not, however, pay to fix a damp wall that has been slowly getting worse for years (a pre-existing condition), nor will it cover the ongoing maintenance required to manage the damp long-term (a chronic condition).

The NHS provides excellent care for managing chronic conditions, and PMI is designed to work alongside it, not replace it.

Other Common Exclusions

  • Accident & Emergency (A&E) visits
  • Routine pregnancy and childbirth
  • Cosmetic surgery (unless for reconstructive purposes after an accident or eligible surgery)
  • Drug and alcohol misuse treatment (though some policies offer limited support)
  • Self-inflicted injuries

Health and Wellness for the Modern Poet: Beyond the Policy

Your greatest asset is your mind and body. While PMI is a safety net, proactive wellness is your first line of defence. The life of a literary artist presents unique health challenges and opportunities.

Nurturing Your Mental Wellbeing

The link between creativity, sensitivity, and mental health is well-documented. Protecting your mind is paramount.

  • Beat the Block: Creative blocks are often rooted in stress or burnout. Regular breaks, mindfulness exercises, and changing your environment can help. Step away from the page and take a walk without headphones.
  • Manage Rejection and Criticism: The literary world can be tough. Build a supportive network of fellow writers. Remember that subjectivity is part of the art; rejection of a piece is not a rejection of you.
  • Use Your PMI: If you opt for mental health cover, use it. Early intervention for anxiety or low mood with a therapist can prevent a small issue from becoming a debilitating one. Many insurers now offer 24/7 mental health support lines as standard.

Caring for Your Physical Form

The poet's life is often a sedentary one, punctuated by travel and performance.

The Poet's Posture: Ergonomics for Writers

Long hours hunched over a laptop or notebook can lead to chronic neck, back, and shoulder pain.

  1. Set Up Your Space: Your chair should support your lower back. Your feet should be flat on the floor, and your knees should be at a 90-degree angle.
  2. Screen Height: The top of your screen should be at or slightly below eye level. Use a laptop stand and an external keyboard.
  3. Take Regular Breaks: Use the Pomodoro Technique (25 minutes of work, 5 minutes of break) to stand up, stretch, and move around.

Fuel for Thought: Diet and Hydration

What you eat directly affects your cognitive function, mood, and energy levels.

  • Brain Foods: Incorporate omega-3-rich foods (salmon, walnuts), antioxidants (berries, dark leafy greens), and complex carbohydrates (oats, brown rice) for sustained energy.
  • Hydration: Dehydration can cause headaches, fatigue, and brain fog. Keep a water bottle on your desk at all times.
  • Mindful Eating: Many PMI providers now offer wellness resources. At WeCovr, we provide our health and life insurance clients with complimentary access to CalorieHero, an AI-powered calorie and nutrition tracking app to help you build healthier eating habits.

The Importance of Sleep

Sleep is not a luxury; it is a biological necessity for memory consolidation, problem-solving, and emotional regulation—all crucial for writing. Aim for 7-9 hours of quality sleep per night. Establish a regular sleep schedule and create a restful environment free from screens.

How is the Cost of a Poet's PMI Premium Calculated?

The price of a PMI policy is not one-size-fits-all. Insurers calculate your premium based on several risk factors.

FactorHow It Affects Your PremiumExample
AgeThis is the single biggest factor. The older you are, the higher the statistical likelihood of needing treatment, so premiums increase.A 25-year-old's premium will be significantly lower than a 55-year-old's for the same level of cover.
LocationThe cost of private healthcare varies across the UK. Hospital costs in Central London are higher than in other parts of the country.A policyholder in London will typically pay more than someone in Leeds or Cardiff.
Level of CoverThe more comprehensive your policy (e.g., unlimited out-patient cover, therapies, dental), the higher the cost.A core-only policy is the most affordable, while a fully comprehensive plan is the most expensive.
ExcessThis is the amount you agree to pay towards a claim. A higher excess will lower your monthly premium.Choosing a £500 excess instead of a £100 excess can reduce your premium noticeably.
LifestyleSmokers pay significantly more than non-smokers due to the proven health risks associated with smoking.A smoker may pay up to 50% more for the same policy as a non-smoker.
Hospital ListInsurers offer different lists of eligible hospitals. A policy with a limited local list will be cheaper than one offering nationwide access, including premium London hospitals.Choosing a "local" or "guided" hospital option can be a good way to manage costs.

Illustrative Examples

To give you a clearer idea, here are two fictional poet profiles. These are for illustrative purposes only; your actual quote will vary.

  • Aisha, 28, Performance Poet in Manchester: Aisha is a non-smoker and generally healthy. She wants a mid-range policy with £1,000 of out-patient cover and good mental health support. She opts for a £250 excess. Her illustrative premium might be £45 - £65 per month.

  • David, 55, Established Poet in Suffolk: David is also a non-smoker but wants a fully comprehensive plan with unlimited out-patient cover and access to top hospitals nationwide for peace of mind. He chooses a £100 excess. His illustrative premium could be £120 - £160 per month.

Choosing the Best PMI Provider: A Poet's Guide

Navigating the private medical insurance UK market can be complex. Understanding a few key concepts is essential.

Underwriting: Moratorium vs. Full Medical Underwriting (FMU)

When you apply for a policy, the insurer needs to assess your medical history to determine what they will and won't cover. There are two main ways they do this:

  1. Moratorium Underwriting (Mori): This is the most common method. You don't need to disclose your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms, treatment, or advice for in the 5 years before your policy starts. However, if you then go for a set period without any trouble from that condition (usually 2 continuous years) after your policy begins, the exclusion may be lifted. It's quick and simple but can lead to uncertainty at the point of a claim.

  2. Full Medical Underwriting (FMU): You complete a detailed health questionnaire when you apply. The insurer assesses your medical history and tells you from day one exactly what is and isn't covered. It takes longer to set up but provides complete clarity from the start.

The Role of an Independent PMI Broker

Trying to compare policies from a dozen different providers, each with its own terminology, hospital lists, and benefit limits, is a daunting task. This is where an independent broker becomes invaluable.

An independent, FCA-authorised broker like WeCovr works for you, not for the insurance companies. Our role is to:

  • Understand Your Needs: We take the time to learn about your specific situation as a poet—your budget, health concerns, and priorities.
  • Scan the Market: We use our expertise and technology to compare policies from a wide range of the UK's best PMI providers.
  • Explain the Jargon: We translate complex insurance terms into plain English, so you know exactly what you're buying.
  • Provide a Recommendation: We present you with the most suitable options and help you make an informed choice.
  • Offer Support: We are here to help you at renewal or if you have questions about your policy.

Crucially, using a broker like WeCovr doesn't cost you anything. We are paid a commission by the insurer you choose, so you get expert, impartial advice for free.

The WeCovr Advantage: Support Tailored for Creatives

We believe in providing value that goes beyond just finding you a policy. When you arrange your private health cover with us, you get a partnership focused on your long-term wellbeing.

  • Expert, Unbiased Advice: With high customer satisfaction ratings, our focus is entirely on your needs. We are regulated by the Financial Conduct Authority (FCA), giving you confidence in the quality and impartiality of our advice.
  • Complimentary Wellness Tools: As mentioned, our health and life insurance clients get free access to the CalorieHero app, a powerful AI tool to help you manage your nutrition and diet goals.
  • Integrated Protection: As a freelance artist, your health and income are intertwined. If you purchase PMI or life insurance through us, we can offer you discounts on other vital protection, such as income protection insurance, which provides a replacement salary if you're unable to work due to illness or injury.

Frequently Asked Questions (FAQs) for Poets Considering PMI

As a freelance poet, can I get a business policy or is it just personal?

You can absolutely get private health cover as a freelancer or sole trader. While you would typically purchase an individual policy, if you run your creative practice as a limited company (even with just one employee—you), you may be eligible for a small business PMI policy. Business policies can sometimes offer different benefits and may be treated as a tax-deductible business expense. An expert broker can advise on the best structure for your situation.

What happens if I can't afford my premiums one month due to irregular income?

This is a common concern for those with freelance incomes. Most insurers offer a grace period for missed payments. It's crucial to contact your insurer or broker immediately if you anticipate difficulty. You may be able to adjust your cover level (e.g., increase your excess or remove an add-on) to lower your premium temporarily. It is always better to communicate proactively than to let a policy lapse.

Do I need to declare my mental health history when applying for PMI?

Generally, yes. If you choose Full Medical Underwriting (FMU), you must be honest and thorough about your entire medical history, including mental health. With Moratorium underwriting, any mental health condition for which you've sought advice or treatment in the last 5 years will be automatically excluded. Failing to disclose relevant information can invalidate your policy. Remember, PMI is for new, acute conditions, but some policies are more generous with mental health cover than others, which is why comparing options is vital.

Is private health cover worth it if I'm young and healthy?

For many, yes. Firstly, premiums are at their lowest when you are young and healthy, making it more affordable to get comprehensive cover. Secondly, illness and injury can happen at any age. A sports injury requiring knee surgery or the sudden onset of a condition could still lead to long waits that impact your ability to work. Securing a policy when you're healthy ensures you are covered for acute conditions that may arise in the future.

Your creativity is your currency. Protecting the health that fuels it is one of the soundest investments you can make in your career and your future. Private medical insurance offers a robust and reliable way to ensure that when you need medical care, you can get it quickly, allowing you to return to your life and your work.

Ready to find the right cover for your needs? Get a free, no-obligation quote from WeCovr today and let our experts help you protect your poetic voice.

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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