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Private Health Insurance for PTSD UK

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

As an FCA-authorised expert with over 900,000 policies arranged, WeCovr understands that navigating private medical insurance (PMI) in the UK can be complex, especially for sensitive conditions like PTSD. This guide provides an authoritative look at how PMI handles post-traumatic stress disorder, what is covered, and what is not. How PMI handles post-traumatic stress disorder treatment Private Medical Insurance (PMI) in the UK is designed to cover the diagnosis and treatment of acute conditions.

Key takeaways

  • When the condition started: Did the symptoms or event causing them occur before or after your policy began?
  • The nature of the condition: Is it a short-term, acute episode expected to resolve with treatment, or is it deemed a long-term, chronic issue?
  • The specific terms of your policy: What are the limits and exclusions related to mental health treatment?
  • Serious accidents (e.g., car crashes)
  • Physical or sexual assault

As an FCA-authorised expert with over 900,000 policies arranged, WeCovr understands that navigating private medical insurance (PMI) in the UK can be complex, especially for sensitive conditions like PTSD. This guide provides an authoritative look at how PMI handles post-traumatic stress disorder, what is covered, and what is not.

How PMI handles post-traumatic stress disorder treatment

Private Medical Insurance (PMI) in the UK is designed to cover the diagnosis and treatment of acute conditions. An acute condition is an illness or injury that is new, unexpected, and likely to respond quickly to treatment, leading to a full recovery.

The central challenge with cover for Post-Traumatic Stress Disorder (PTSD) is that insurers may classify it as a chronic condition. A chronic condition is one that is long-lasting, has no known cure, or requires ongoing management.

Crucially, standard UK private health insurance policies do not cover chronic or pre-existing conditions.

Therefore, whether your PMI policy will cover PTSD treatment depends entirely on three factors:

  1. When the condition started: Did the symptoms or event causing them occur before or after your policy began?
  2. The nature of the condition: Is it a short-term, acute episode expected to resolve with treatment, or is it deemed a long-term, chronic issue?
  3. The specific terms of your policy: What are the limits and exclusions related to mental health treatment?

Understanding this fundamental principle is the key to managing your expectations and finding the right cover.

Understanding PTSD: What It Is and Why It Matters

Post-Traumatic Stress Disorder (PTSD) is a mental health condition that can develop after experiencing or witnessing a terrifying or deeply distressing event. It's not a sign of weakness; it's a natural, albeit severe, response to trauma.

Events that can lead to PTSD include, but are not limited to:

  • Serious accidents (e.g., car crashes)
  • Physical or sexual assault
  • Combat or military exposure
  • Witnessing violence or death
  • Childbirth complications
  • A serious health diagnosis

According to the NHS, around 1 in 3 people who experience a traumatic event develop PTSD. The most recent large-scale survey on mental health in England (the Adult Psychiatric Morbidity Survey) found that approximately 4.4% of adults screened positive for PTSD.

Common symptoms are often grouped into four types:

  • Re-experiencing: Unwanted flashbacks, nightmares, or vivid memories of the event.
  • Avoidance: Actively avoiding people, places, or thoughts that remind you of the trauma.
  • Hyperarousal and Reactivity: Being easily startled, feeling 'on edge', having angry outbursts, or difficulty sleeping.
  • Negative Changes in Thinking and Mood: Feeling detached, memory problems, or persistent negative beliefs about oneself or the world.

Accessing timely and effective treatment is vital for recovery, which is why many people explore private health cover as an alternative to potentially long NHS waiting lists.

The Crucial Distinction: Acute vs. Chronic Conditions in PMI

To understand your health insurance, you must grasp the difference between acute and chronic conditions. Insurers build their entire business model around this distinction.

FeatureAcute Condition (Generally Covered)Chronic Condition (Generally Excluded)
DefinitionA disease, illness, or injury that is likely to respond quickly to a course of treatment and from which you are expected to make a full recovery.A condition that requires long-term management, has no known cure, is likely to recur, or needs ongoing monitoring.
ExampleA broken arm, a cataract, or an infection requiring antibiotics.Diabetes, asthma, high blood pressure, or arthritis.
Insurer's ViewA one-off, definable cost to get you back to your previous state of health.An ongoing, unpredictable, and potentially lifelong cost that is not commercially viable for them to cover.
How PTSD FitsA single, acute episode of PTSD following a recent, specific event, which is expected to resolve after a course of therapy (e.g., 8-12 sessions of CBT).PTSD symptoms that persist for many months or years, require ongoing medication and therapy, and are considered part of long-term management.

If an insurer determines that your PTSD is chronic, it will be excluded from cover, even if it developed after your policy started. The initial diagnostic phase and a short course of treatment might be covered, but once it's clear that long-term management is needed, private cover typically ceases.

Does Private Health Insurance Cover PTSD in the UK?

The answer is a firm "it depends". Coverage for PTSD hinges almost entirely on whether it is a new, acute condition or a pre-existing one.

The Pre-existing Condition Rule

This is the most important exclusion in any PMI policy. A pre-existing condition is any disease, illness, or injury for which you have experienced symptoms, sought advice, or received treatment before the start date of your policy.

If you have a history of PTSD, trauma, anxiety, or depression before you take out health insurance, it will be excluded from your new policy. How this exclusion is applied depends on the type of underwriting you choose.

Types of Underwriting and How They Affect PTSD Cover

Underwriting is the process an insurer uses to assess your health and risk before offering you a policy.

  1. Moratorium Underwriting

    • How it works: You don't declare your full medical history upfront. Instead, the policy automatically excludes any condition you've had symptoms, treatment, or advice for in the 5 years before your policy starts.
    • The '2-year rule': The exclusion can be lifted if you remain completely free of symptoms, treatment, medication, and advice for that condition for a continuous 2-year period after your policy begins.
    • Best for: People with minor, historic health issues who want a quick and simple application process.
    • PTSD implication: If you had therapy for trauma 3 years ago, it will be excluded. If you then go 2 full years on your policy without any PTSD-related issues, it might become eligible for cover in the future.

  2. Full Medical Underwriting (FMU)

    • How it works: You complete a detailed health questionnaire, declaring your entire medical history. The insurer's underwriting team reviews it and offers a policy with specific, named exclusions.
    • How it works: You complete a detailed health questionnaire, declaring your entire medical history. The insurer's underwriting team reviews it and offers a policy with specific, named exclusions.
    • Best for: People who want absolute clarity on what is and isn't covered from day one, or those with a complex medical history.
    • PTSD implication: If you declare a history of PTSD, the insurer will almost certainly apply a permanent exclusion for PTSD and any related psychiatric conditions. You will never be able to claim for it on that policy.

Comparing Underwriting for PTSD

FeatureMoratorium UnderwritingFull Medical Underwriting (FMU)
Application ProcessQuick and simple, no health forms.Long health questionnaire required.
Clarity of CoverCan be uncertain. You may not know if something is covered until you claim.Crystal clear from the start. All exclusions are listed in writing.
Handling of Pre-existing PTSDAutomatically excluded for at least 2 years. Possible to get cover later if you meet the criteria.Almost certainly gets a permanent, named exclusion from the policy start.
Who It SuitsSomeone with no recent (5-year) history of trauma or mental health issues.Someone who wants certainty, even if it means having a confirmed exclusion.

An experienced PMI broker, such as WeCovr, can help you decide which underwriting method is most suitable for your personal circumstances.

What PTSD Treatments Might Be Covered by PMI?

If your PTSD develops after your policy starts and the insurer agrees it is an acute condition, your private medical insurance can provide rapid access to high-quality care.

Cover typically falls into two categories: outpatient and inpatient/day-patient.

Outpatient Cover

This is for treatment where you are not admitted to a hospital bed. It's the most common route for PTSD therapy. Your policy may cover:

  • Initial Specialist Consultation: A private appointment with a consultant psychiatrist to get a formal diagnosis and treatment plan. This allows you to bypass long NHS waiting lists for specialist assessment.
  • Therapy Sessions: A set number of sessions with a psychologist or therapist. The most common evidence-based therapies for PTSD are:
    • Trauma-Focused Cognitive Behavioural Therapy (TF-CBT): Helps you process the traumatic event and change negative thought patterns.
    • Eye Movement Desensitisation and Reprocessing (EMDR): A specialised therapy that uses eye movements to help the brain process traumatic memories.
  • Prescribed Medication: The cost of medication prescribed by your private consultant may be covered, depending on your policy level.

Important: Be Aware of Policy Limits!

Most policies place strict limits on outpatient mental health cover. These are critical to understand:

  • Financial Limits (illustrative): A common limit is between £500 and £2,000 per policy year for all outpatient therapies combined. With private therapy costing £70-£150 per session, this can be used up quickly.
  • Session Limits: Some policies limit you to a fixed number of sessions, such as 8 or 10 sessions per condition, per year.

Once you hit your policy limit, any further treatment must be self-funded or accessed via the NHS.

Inpatient and Day-Patient Cover

This is for more severe cases requiring intensive treatment.

  • Inpatient Care: You are admitted to a private psychiatric hospital for 24-hour care. This is for acute crises and is usually limited to a set number of days (e.g., 28-45 days per year).
  • Day-Patient Care: You attend a hospital or clinic for a structured programme of therapy during the day but return home in the evening.

Cover for this level of care is often more comprehensive than outpatient limits but is reserved for the most acute phases of the illness. Long-term residential care is never covered.

How to Find a PMI Policy with Good Mental Health Cover

Finding the right policy requires careful research. Not all insurers treat mental health equally.

Step 1: Review the Major UK Providers

While specific terms vary, here's a general overview of how leading UK PMI providers approach mental health.

ProviderTypical Approach to Mental HealthKey Considerations
AXA HealthOften includes a good level of mental health cover as standard on many policies. Known for their "Stronger Minds" pathway.Limits on outpatient therapy still apply. Check the specific policy wording.
BupaMental health cover is usually included, but the level varies significantly between policies. Their "Mental Health Hub" provides support.Can have separate, lower limits for mental health compared to physical health.
AvivaOften includes mental health cover as a standard benefit, with options to enhance it. They have a strong focus on digital mental health support.Check whether the policy covers chronic conditions once stabilised, as some higher-tier plans offer limited support.
VitalityMental health cover is often included, with an emphasis on early intervention. Their wellness programme rewards proactive health management.The level of cover can be tied to your "Vitality Status," earned through healthy activities.

Disclaimer: This table is for illustrative purposes only. Cover varies hugely by policy. Always check the specific policy documents.

Step 2: Scrutinise the Policy Wording

Before you buy, get the "Policy Terms and Conditions" document. Use Ctrl+F to search for these key terms:

  • "Mental Health" / "Psychiatric"
  • "Chronic"
  • "Pre-existing"
  • "Limits" / "Exclusions"

Pay close attention to the financial and session limits for outpatient therapy, as this is where most PTSD treatment occurs.

Step 3: Utilise an Expert PMI Broker

This is the single most effective way to find the right cover. A specialist broker works for you, not the insurer.

  • Market Knowledge: An independent broker like WeCovr has a deep understanding of the nuances between different providers' mental health offerings.
  • Personalised Advice: We can assess your specific situation and recommend a policy that aligns with your needs and budget.
  • No Extra Cost: Our service is free to you; we are paid a commission by the insurer you choose. We handle the paperwork and comparisons, saving you time and stress.

Beyond Insurance: Proactive Steps for Managing PTSD and Mental Wellbeing

While insurance is a tool for treatment, a holistic approach to wellbeing can support recovery and build resilience.

  • Nutrition and Diet: Emerging research links gut health to mental health. A balanced diet rich in omega-3s (found in oily fish), antioxidants (berries, leafy greens), and whole foods can help reduce inflammation and support brain function. Limiting processed foods, sugar, and caffeine can also help stabilise mood and energy.
  • Sleep Hygiene: Sleep disruption is a core symptom of PTSD. Creating a restful routine is vital. Aim for a consistent bedtime, make your bedroom dark and cool, and avoid screens for at least an hour before sleep.
  • Mindful Movement: Gentle exercise like yoga, tai chi, or walking can reduce stress hormones like cortisol and release endorphins. The focus on breath and body in these activities can also serve as a grounding technique.
  • Grounding Techniques: When flashbacks or anxiety strike, grounding can pull you back to the present moment. A simple technique is the "5-4-3-2-1" method:
    • 5: Name five things you can see.
    • 4: Name four things you can feel (e.g., your feet on the floor).
    • 3: Name three things you can hear.
    • 2: Name two things you can smell.
    • 1: Name one thing you can taste.

As part of our commitment to our members' overall wellbeing, WeCovr provides complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to help you manage your diet effectively. Furthermore, clients who purchase a PMI or Life Insurance policy through us can benefit from discounts on other types of cover.

What If My PMI Doesn't Cover PTSD? Exploring Alternatives

If you find that private health insurance won't cover your PTSD, or if your policy limits have been reached, you still have excellent options for support in the UK.

  1. NHS Services: The NHS provides effective, evidence-based treatment for PTSD. Your first step is to see your GP. They can refer you to your local Improving Access to Psychological Therapies (IAPT) service. While waiting times can be a challenge (in early 2025, many people still wait several weeks for a first appointment), the quality of care, including TF-CBT and EMDR, is high.
  2. Charities and Support Groups: UK charities are an incredible source of information, community, and support.
    • PTSD UK: A charity dedicated specifically to raising awareness of PTSD.
    • Mind: Provides extensive information and support for all mental health problems.
    • Combat Stress: Offers specialised support for veterans with PTSD.
  3. Self-funding: Paying for therapy yourself provides the quickest access and widest choice of therapists. Costs typically range from £50 to £150+ per session, depending on the therapist's experience and location. The British Association for Counselling and Psychotherapy (BACP) has a directory of accredited therapists.
  4. Employee Assistance Programmes (EAPs): Check if your employer offers an EAP. These programmes provide free, confidential access to a limited number of counselling sessions for a wide range of issues, including trauma.

Real-Life Scenarios: How PMI Might Respond

Let's apply these rules to some fictional examples.

  • Scenario 1: Sarah, the new policyholder

    • Situation: Sarah takes out a PMI policy in January. In June, she is involved in a serious car accident and develops acute PTSD symptoms. She has no prior history of mental health issues.
    • Likely Outcome: Covered. Her PTSD is a new, acute condition that arose after her policy began. Her insurer will likely cover her psychiatric assessment and a course of EMDR or CBT, up to the financial or session limits of her outpatient cover.

  • Scenario 2: David, applying with a history

    • Situation: David is applying for a new PMI policy. On the health questionnaire (Full Medical Underwriting), he declares that he received six sessions of counselling two years ago for work-related stress and anxiety after witnessing a traumatic incident.
    • Likely Outcome: Exclusion. The insurer will almost certainly apply a permanent exclusion to his policy for "PTSD, stress, anxiety, and all related conditions." He will not be able to claim for these conditions, even if a new, unrelated traumatic event occurs.

  • Scenario 3: Maria, a long-term condition

    • Situation: Maria has had a PMI policy for five years. She was diagnosed with complex PTSD three years ago following events in her childhood. Her initial acute treatment was partly covered by her PMI up to her outpatient limit. Now, her condition is managed with low-dose medication from her GP and occasional top-up therapy sessions.
    • Likely Outcome: Not Covered. Her PTSD is now considered a chronic condition requiring ongoing management. PMI does not cover this. Her policy paid for the initial acute phase, but the long-term maintenance of her condition is now outside the scope of private health cover.

Frequently Asked Questions (FAQs)

Do I need to declare a past traumatic event on my PMI application if I didn't get diagnosed with PTSD?

Yes, it is crucial to be honest, especially on a Full Medical Underwriting (FMU) application. Questions are often phrased broadly, such as "Have you ever experienced symptoms of, or sought advice for, stress, anxiety, or depression?" A traumatic event and any subsequent distress, even if undiagnosed, falls into this category. Non-disclosure can lead to your policy being cancelled or claims being rejected.

Can my employer's group health insurance cover PTSD?

Group policies taken out by an employer can sometimes be more generous than individual ones. For example, some large corporate schemes have 'Medical History Disregarded' underwriting, which may cover pre-existing conditions. However, for most small to medium business schemes, the same rules on acute, chronic, and pre-existing conditions apply. You should check your policy documents or speak to your HR department for specifics.

Is there a waiting period for mental health cover on a new policy?

There isn't a specific waiting period for 'mental health' as a category. However, the pre-existing condition rules act as a waiting period. With Moratorium underwriting, you must typically wait two years from your policy start date, while remaining treatment- and symptom-free for a pre-existing condition, before it can be considered for cover. For new conditions that arise after your policy starts, cover begins immediately.

What is the difference between using a PMI broker and going direct to an insurer?

Going direct means you only see one company's products. An independent, FCA-authorised broker like WeCovr works on your behalf to compare policies and prices from across the market. We provide impartial advice tailored to your needs, explain the complex differences in mental health cover between insurers, and our service is completely free for you to use. This ensures you get the most suitable cover without the hassle of researching every provider yourself.

Your Next Step to Peace of Mind

Understanding how private medical insurance interacts with PTSD is complex. The rules around acute, chronic, and pre-existing conditions are strict, and policy limits can be confusing.

The key takeaway is that PMI is for new, unforeseen health issues. It can be an invaluable resource for accessing rapid treatment for an acute episode of PTSD that develops after you are insured, but it is not a solution for managing pre-existing or long-term mental health conditions.

Navigating this landscape alone can be overwhelming. Let WeCovr's expert, FCA-authorised advisors help. We can demystify the jargon, compare the UK's leading insurers, and find a policy that gives you clarity and confidence.

Get your free, no-obligation quote today and take the first step towards securing your health and peace of mind.

Sources

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

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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Why is it important to get private medical insurance early?

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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.

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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!

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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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