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Private Health Insurance for Solicitors 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 of various kinds, WeCovr understands the unique pressures UK solicitors face. This guide explores how private medical insurance (PMI) provides the fast, flexible healthcare access you need to stay at the top of your game. Specialist PMI cover for solicitors The legal profession is one of the most demanding in the UK.

Key takeaways

  • High Stress and Burnout: The legal profession consistently reports high levels of stress. A 2023 survey by the Law Society of England and Wales highlighted that an alarming number of solicitors experience severe stress and burnout due to heavy workloads and a poor work-life balance. Chronic stress can lead to a host of health issues, from hypertension to anxiety and depression.
  • Long Working Hours: It's no secret that solicitors work long hours. Data from the Office for National Statistics (ONS) frequently shows legal professionals working well beyond the national average. This leaves little time for rest, exercise, and healthy meal preparation, increasing the risk of lifestyle-related health problems.
  • Sedentary Work: Much of a solicitor's day is spent at a desk, reviewing documents or in meetings. This sedentary lifestyle is a major contributor to musculoskeletal problems. According to the UK's Health and Safety Executive (HSE), work-related musculoskeletal disorders are a leading cause of lost working days, with back pain and neck strain being common complaints.
  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include joint replacements, cataract surgery, hernia repair, and treatment for most cancers.
  • Chronic Condition: A condition that has no known cure and requires ongoing management over a long period. Examples include diabetes, asthma, arthritis, and hypertension.

As an FCA-authorised broker that has helped arrange over 900,000 policies of various kinds, WeCovr understands the unique pressures UK solicitors face. This guide explores how private medical insurance (PMI) provides the fast, flexible healthcare access you need to stay at the top of your game.

Specialist PMI cover for solicitors

The legal profession is one of the most demanding in the UK. Long hours, high-stakes cases, and immense client pressure are part of the daily routine. While intellectually rewarding, this environment can take a significant toll on your physical and mental health. A sudden illness or injury doesn't just affect you; it impacts your clients, your cases, and your firm's bottom line.

This is where private medical insurance for solicitors comes in. It's not a luxury; it's a strategic tool designed to protect your most valuable asset: your health. By providing rapid access to specialist consultations, diagnostics, and treatment, PMI helps you bypass long NHS waiting lists and get back to your practice sooner.

For solicitors, time is billable, and your well-being is non-negotiable. A specialist PMI policy ensures that a health concern becomes a manageable event rather than a career-disrupting crisis.

Why Should Solicitors Consider Private Health Insurance?

The unique challenges of a legal career make a compelling case for private health cover. The pressures are not just anecdotal; they are backed by data reflecting the sector's intensity.

The Pressure Cooker Environment

  • High Stress and Burnout: The legal profession consistently reports high levels of stress. A 2023 survey by the Law Society of England and Wales highlighted that an alarming number of solicitors experience severe stress and burnout due to heavy workloads and a poor work-life balance. Chronic stress can lead to a host of health issues, from hypertension to anxiety and depression.
  • Long Working Hours: It's no secret that solicitors work long hours. Data from the Office for National Statistics (ONS) frequently shows legal professionals working well beyond the national average. This leaves little time for rest, exercise, and healthy meal preparation, increasing the risk of lifestyle-related health problems.
  • Sedentary Work: Much of a solicitor's day is spent at a desk, reviewing documents or in meetings. This sedentary lifestyle is a major contributor to musculoskeletal problems. According to the UK's Health and Safety Executive (HSE), work-related musculoskeletal disorders are a leading cause of lost working days, with back pain and neck strain being common complaints.

The Impact of NHS Waiting Times

While the NHS provides outstanding care, it is under considerable strain. As of mid-2024, NHS England's referral-to-treatment waiting list stood at several million. The average waiting time for non-urgent procedures can stretch into many months.

For a self-employed barrister or a key partner in a law firm, a six-month wait for a knee operation or a diagnostic scan is not just an inconvenience—it's a significant financial liability. Private medical insurance allows you to be seen and treated in a matter of weeks, often at a time and location that suits your demanding schedule.

Example: Imagine you're a commercial litigation solicitor preparing for a major trial. You develop persistent back pain that makes it difficult to concentrate. The NHS waiting list for an MRI scan and a subsequent consultation with an orthopaedic specialist is four months. With a PMI policy, you could have a virtual GP appointment the same day, an MRI scan within the week, and a treatment plan from a leading specialist shortly after, minimising disruption to your crucial work.

Understanding Private Medical Insurance (PMI) in the UK

Before diving into policy specifics, it's essential to understand the fundamentals of how private medical insurance works in the UK.

PMI is an insurance policy that covers the cost of private medical care for acute conditions that arise after you take out the policy.

Let's break down those key terms:

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include joint replacements, cataract surgery, hernia repair, and treatment for most cancers.
  • Chronic Condition: A condition that has no known cure and requires ongoing management over a long period. Examples include diabetes, asthma, arthritis, and hypertension.
  • Pre-existing Condition: Any illness, disease, or injury for which you have experienced symptoms, received medication, or sought advice before the start of your policy.

Crucial Point: Standard private medical insurance in the UK is designed for new, acute conditions. It does not cover chronic conditions or pre-existing conditions, though some policies may cover acute flare-ups of chronic issues. Understanding this distinction is vital to managing your expectations.

What's Typically Covered by PMI?

Coverage TypeDescriptionCommon Examples
In-patient CareWhen you are admitted to a hospital bed overnight for treatment.Surgery requiring an overnight stay, post-operative care.
Day-patient CareWhen you are admitted to a hospital bed for treatment but do not stay overnight.Minor surgical procedures, endoscopies.
Out-patient CareConsultations, tests, and therapies that do not require a hospital bed.Specialist consultations, MRI/CT scans, blood tests, physiotherapy.

Core PMI policies always cover in-patient and day-patient care. Out-patient cover is usually offered as an optional extra, allowing you to tailor the policy to your budget.

How Does PMI Benefit a Law Firm?

Private health insurance isn't just for individual solicitors; it's a powerful tool for law firms of all sizes, from boutique practices to Magic Circle giants.

For Sole Practitioners and Small Partnerships

For a small operation, the prolonged absence of a key individual can be catastrophic. A group PMI scheme for two or more people (including partners) provides a safety net.

  • Business Continuity: Ensures key personnel get treated and back to work quickly.
  • Financial Protection: Prevents loss of billable hours and client disruption.
  • Attractive to Partners: Shows a commitment to the well-being of the firm's leadership.

For Medium to Large Law Firms

Offering PMI as an employee benefit is a hallmark of a top-tier employer in the competitive legal market.

  • Attracting & Retaining Talent: In a sector where top talent is fiercely sought after, a comprehensive benefits package is a key differentiator. A good PMI scheme can tip the scales in your favour.
  • Reducing Absenteeism: By providing fast access to treatment, PMI can significantly reduce the number of days employees take off for sickness. ONS data shows millions of working days are lost to sickness absence each year in the UK.
  • Boosting Productivity & Morale: Employees who feel valued and cared for are more loyal, motivated, and productive. Knowing they have access to fast healthcare reduces anxiety and allows them to focus on their work.
  • Duty of Care: Providing robust mental and physical health support demonstrates a genuine commitment to employee well-being, which is increasingly important for a firm's reputation and culture.

An expert broker like WeCovr can help your firm design a group scheme that balances comprehensive cover with your budget, providing a valuable benefit for your entire team.

When choosing a policy, solicitors should look beyond the headline price and examine the specific features that offer the most value for their demanding lifestyle.

1. Comprehensive Out-patient Cover

For busy professionals, quick diagnosis is everything. A policy with strong out-patient cover is essential. It allows you to see a specialist and get diagnostic tests (like MRI, CT, and PET scans) without a long wait. Look for policies that offer either a high annual limit (e.g., £1,500+) or, ideally, unlimited out-patient cover. (illustrative estimate)

2. Robust Mental Health Support

Given the high-stress nature of legal work, this is non-negotiable. The best PMI providers now offer extensive mental health pathways.

  • Direct Access: Some policies allow you to access mental health support without a GP referral.
  • Therapy & Counselling: Cover for a set number of sessions with psychologists or therapists.
  • Psychiatric Care: Includes consultations and treatment from psychiatrists, both on an out-patient and in-patient basis.
  • Digital Tools: Access to mindfulness apps, online cognitive behavioural therapy (CBT) courses, and 24/7 mental health support lines.

3. Comprehensive Cancer Cover

This is a cornerstone of modern PMI. A good policy will cover every step of the journey, from initial diagnosis to treatment and aftercare. This often includes:

  • Access to the latest licensed cancer drugs and treatments, even those not yet available on the NHS due to funding decisions.
  • Chemotherapy, radiotherapy, and surgical procedures.
  • Palliative care, monitoring, and follow-up consultations.
  • Specialist services like stem cell therapy and bone marrow transplants.

4. Therapies and Musculoskeletal Cover

To combat the effects of long hours at a desk, cover for therapies is vital. This includes:

  • Physiotherapy
  • Osteopathy
  • Chiropractic treatment

Some policies require a GP referral, while others allow direct access to a physiotherapist, saving valuable time.

5. Added Value and Wellness Benefits

Leading insurers now compete on more than just medical cover. They offer integrated wellness programmes to help you stay healthy.

  • Virtual GP Services: 24/7 access to a GP via phone or video call, allowing you to get medical advice without leaving the office.
  • Health Screenings: Subsidised or included health checks to proactively monitor your well-being.
  • Gym Discounts & Fitness Rewards: Incentives for staying active, offered by providers like Vitality.
  • Exclusive App Access: When you arrange your PMI through WeCovr, you gain complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to help you manage your diet effectively.

Comparing the Best PMI Providers for Solicitors in the UK

The UK market is home to several outstanding private medical insurance providers. While the "best" policy is subjective and depends on your individual needs, here is a comparison of some of the leading names. An independent broker like WeCovr can provide a detailed comparison based on your specific requirements.

ProviderKey Strengths & Features for SolicitorsIllustrative Monthly Premium*
AXA HealthExcellent mental health pathway, direct access to specialists via their "Fast Track" service, strong core cover. Well-regarded for their customer service and extensive hospital network.£75 - £120
BupaOne of the most recognised names in UK health insurance. Offers direct access to cancer and mental health support without a GP referral. Extensive network of Bupa-branded clinics and facilities.£80 - £130
AvivaKnown for their comprehensive "Healthier Solutions" policy with a strong digital offering, including the Aviva DigiCare+ app. Often praised for their straightforward claims process and good value.£70 - £110
VitalityUnique wellness-focused approach. Rewards members for healthy living (e.g., tracking steps, gym visits) with discounts and perks. A great option for solicitors who want to be proactive about their health.£65 - £105

*Illustrative premiums are for a 40-year-old non-smoker in London with a £250 excess and full out-patient cover. Costs vary significantly based on age, location, cover level, and underwriting. For an accurate quote, it is essential to speak with a broker.

How to Customise Your PMI Policy and Manage Costs

A common misconception is that private health insurance is prohibitively expensive. In reality, policies are highly customisable, allowing you to build a plan that fits your budget.

Here are the main levers you can pull to adjust your premium:

  1. The Excess: This is the amount you agree to pay towards a claim in any policy year. It typically ranges from £0 to £1,000. Choosing a higher excess (e.g., £250 or £500) will significantly reduce your monthly premium.
  2. The 6-Week Wait Option: This is a popular cost-saving feature. With this option, your PMI will only cover in-patient treatment if the waiting time for that treatment on the NHS is longer than six weeks. If the NHS can treat you within six weeks, you use the NHS. This can lower your premium by 20-30%.
  3. Hospital List: Insurers have tiered hospital lists. A policy covering a nationwide list including prime central London hospitals will be more expensive than one with a more restricted local network. You can save money by choosing a list that excludes the most expensive hospitals if they are not geographically convenient for you.
  4. Underwriting Options: This is how the insurer assesses your medical history.
    • Moratorium Underwriting (Most Common): You don't declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms of or treatment for in the last 5 years. If you then go 2 continuous years without any symptoms, treatment, or advice for that condition after your policy starts, it may become eligible for cover. It's simple and quick.
    • Full Medical Underwriting (FMU): You complete a detailed health questionnaire. The insurer reviews your medical history and states clearly from the outset what is and isn't covered. It takes longer but provides absolute clarity from day one.

Health and Wellness Tips for Busy Solicitors

Your health insurance is there for when things go wrong, but prevention is always better than cure. Here are some practical tips to help you manage the demands of your legal career.

  • Protect Your Time: Block out time in your diary for lunch, short breaks, and exercise as if they were client meetings. Even a 15-minute walk can clear your head and reduce stress.
  • Mindful Nutrition: High-pressure jobs can lead to poor food choices. Plan your meals, keep healthy snacks at your desk, and stay hydrated. Use an app like CalorieHero, which WeCovr provides to its clients, to track your intake and make informed choices.
  • Prioritise Sleep: The legal profession is notorious for "presenteeism" and late nights. However, consistent, quality sleep (7-9 hours) is critical for cognitive function, emotional regulation, and decision-making. Lack of sleep is a false economy.
  • Set Digital Boundaries: The expectation of being available 24/7 is a major source of stress. Set clear boundaries for checking emails outside of work hours. Turn off notifications on your phone to give your mind a genuine break.
  • Embrace Movement: Counteract long hours at your desk by incorporating movement. Take the stairs, walk during phone calls, and consider a standing desk. Regular exercise, whether it's a gym session, a run, or a yoga class, is one of the most effective stress-busters available.

The Process of Getting a Quote with WeCovr

Navigating the private medical insurance market can be complex. The terminology is confusing, and comparing policies like-for-like is difficult. This is where an expert, independent broker adds immense value.

At WeCovr, we make the process simple, transparent, and tailored to you—at no cost. Our high customer satisfaction ratings reflect our commitment to clear, impartial advice.

  1. Initial Chat: We have a brief, no-obligation conversation to understand your needs, your budget, and what's important to you as a legal professional.
  2. Market Comparison: We use our expertise and technology to compare policies from the UK's leading insurers, finding the best fit for your requirements.
  3. Clear Recommendations: We present you with a shortlist of the most suitable options, explaining the pros and cons of each in plain English. We'll answer all your questions about excesses, underwriting, and hospital lists.
  4. Application Support: Once you've chosen a policy, we handle the application process for you, ensuring it's smooth and hassle-free.
  5. Ongoing Support: Our service doesn't end there. We're here to help at renewal time to ensure you always have the best cover at a competitive price and to assist with any queries you might have during your policy term.

Furthermore, clients who purchase PMI or Life Insurance through WeCovr often receive discounts on other insurance products, such as home or travel insurance, providing even greater value.

Does private medical insurance for solicitors cover pre-existing conditions?

Generally, no. Standard UK private medical insurance is designed to cover new, acute medical conditions that arise after your policy begins. Pre-existing conditions, which are any health issues you've had symptoms or treatment for in the 5 years before taking out the policy, are typically excluded. The same applies to chronic conditions like diabetes or asthma, which require ongoing management rather than a short-term cure.

Is private health insurance a taxable benefit if my law firm pays for it?

Yes. If your law firm pays for your private health insurance premium, it is considered a 'benefit-in-kind' by HMRC. This means you will have to pay income tax on the value of the premium. The firm will report this on a P11D form at the end of the tax year. The firm itself can usually claim the cost of the premiums as a business expense.

Can I add my family to my solicitor's health insurance policy?

Absolutely. Most private medical insurance policies allow you to add your partner and/or dependent children to your plan. You can choose to cover just your partner, just your children, or your whole family. While this will increase the premium, insurers often provide a discount compared to purchasing separate individual policies.

What is the difference between Moratorium and Full Medical Underwriting?

These are two ways insurers assess your medical history. With Moratorium underwriting, you don't declare your past conditions. The policy automatically excludes anything you've had in the last 5 years, but these can become eligible for cover after a 2-year clear period on the policy. With Full Medical Underwriting (FMU), you provide your full medical history upfront, and the insurer gives you a definitive list of what is and isn't covered from the start. FMU offers more certainty, while Moratorium is faster and less intrusive.

Your health is the foundation of your success as a solicitor. Investing in a robust private medical insurance policy is one of the smartest decisions you can make for your career, your well-being, and your peace of mind.

Ready to secure your health and protect your career? Contact WeCovr today for a free, no-obligation quote and discover how affordable specialist PMI cover can be.

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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Any questions?

Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

Health insurance covers conditions that develop after your policy starts. Pre-existing conditions are typically not covered, and insurers may exclude related issues. Some policies may cover symptoms of pre-existing conditions under specific circumstances. Always review your policy's exclusions. Coverage for pre-existing medical conditions may be available if you currently hold a medical insurance policy or are transitioning from a company scheme. However, if you have never had medical insurance before or if your policy is not active at the moment, pre-existing conditions will not be covered. This limitation exists because health insurance is primarily intended to protect against unexpected health issues. To simplify, it's akin to getting into a car accident and then trying to obtain insurance coverage afterward to repair the vehicle — insurance companies typically do not cover such claims. Nevertheless, there is an option to gain coverage for pre-existing conditions after a two-year waiting period, subject to specific rules and conditions.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Sometimes treatments and drugs that are not covered by the NHS can be covered by Private Medical Insurance.

It's free to use WeCovr to find health insurance - we never charge you for quotes. Health or private medical insurance is an investment that can pay for itself the first time you might need medical treatment.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you would benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our revenue comes from commissions paid by the insurance providers when a policy is taken out through us. Essentially, when you choose to secure a policy from one of the providers we work with, they compensate us for facilitating the transaction. It's important to note that this commission does not impact the premium you pay. We remain committed to providing transparent and unbiased quotes to help you find the best insurance options tailored to your needs.

The cost of private health insurance depends on several factors, including your age, location, smoking status, and the type of policy you choose. Your health insurance policy is tailored to your needs, and the cost can vary based on the level of cover you require, such as the amount of excess and specific treatment allowances.

Private health insurance covers you for conditions that arise after your policy begins. You pay a monthly fee and can make claims for private healthcare covered by your policy. One of the main benefits of private healthcare is quicker access to treatment compared to the NHS, along with access to new drugs or specialist treatments.

Most health insurance covers private hospital stays and may include outpatient treatments like scans, tests, or appointments. Policies vary in coverage, and exclusions often include emergency treatment, maternity care, cosmetic surgery, and ongoing conditions present before the policy started.

Unfortunately, you cannot pay extra to have a pre-existing condition covered as part of your health insurance policy. However, you have access to support from a nurse or digital GP. If you have questions about what is covered under your policy, please contact us for clarification.

Your health insurance policy begins once you've selected your policy and set up your payment. After setup, you'll receive your cover documents detailing what is and isn't covered. It's important to review these details carefully as policies differ.

An excess is the amount you contribute towards treatment when you make a claim. Choosing a higher excess can reduce your policy's monthly cost but requires a larger contribution when claiming. WeCovr's experts will offer you flexible excess options depending on your preferences.

To reduce health insurance costs, consider choosing a higher excess, which lowers the monthly premium. However, ensure the plan still meets your needs. Other factors affecting cost include lifestyle choices like smoking and potential savings for couples or family plans.

There is no age limit for taking out health insurance, but age influences the policy's cost. The benefits of health insurance are consistent regardless of age. If you're considering health insurance, you can get a quote from WeCovr's experts regardless of your age.

Let WeCovr's experts do the legwork for you and compare health insurance plans at no cost to you to find the best fit for your needs. Consider individual, couple, or family plans and review coverage details thoroughly before choosing. WeCovr provides transparent information on coverage options for easy comparison.

Yes, you can add your partner (if you live at the same address) or dependents to your policy at any time. The cost of couple's or family health insurance depends on factors like location, age, health, and chosen excess. Contact WeCovr or your insurer for assistance in adding someone to your policy.

While WeCovr's private health insurance plans are tailored for the UK, we offer global health insurance options for those living or working abroad. For holiday coverage, travel insurance is recommended.

Comprehensive cover provides extensive benefits, including full outpatient services such as consultations, diagnostic tests, physiotherapy, and mental health therapies. Our team at WeCovr can assist in understanding the various coverage levels available.

Private health insurance typically does not cover dental treatment. However, WeCovr's experts can guide you to dental insurance policies offered by our partner insurers. Reach out to us to explore these options.

Yes, private health insurance covers cancer treatment from diagnosis through treatment. At WeCovr, we can help you navigate the cancer cover options that suit your needs.

At WeCovr, you have flexibility in adjusting your cover. Speak to our experts within 21 days of receiving your paperwork or at policy renewal to make changes.

Accessing a private GP appointment is fast and convenient with WeCovr's services, available through your digital platform provided under your chosen insurance plan.

Yes, family members on the same policy can potentially have different levels of cover tailored to their individual needs.

WeCovr works with insurers offering a range of cover levels to accommodate different budgets and needs. Our experts can discuss these options with you.

Discovering healthcare facilities and specialists is easy with WeCovr's resources. Contact us for personalised assistance by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Fee-assured consultants provides transparency and no hidden costs for clients.

WeCovr prioritises mental health support with comprehensive coverage and access to specialist advice and services.

Children up to a certain age can be included in your policy, and we offer discounts for family coverage.

Like most health insurance plans, premiums may increase annually due to factors such as age and medical cost inflation.

The cost of health insurance varies based on several factors. Connect with our experts by tapping a button below and get your own personalised quote.

Private health insurance offers quicker access to consultations, treatments, and personalised care compared to the NHS.

Yes, WeCovr's experts can guide you which health insurance plans include coverage for physiotherapy treatments.

Immediate access to certain services like our digital GP app is available upon enrolment.

You can obtain a range of suitable quotes easily by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Health insurance covers new conditions that arise after the policy starts. Pre-existing conditions and certain exclusions may apply.

WeCovr's experts help you arrange health insurance that simplifies access to private healthcare services, including consultations and treatments.

Outpatient cover includes consultations, physiotherapy, and mental health therapies outside hospital admissions.

Yes, you can use your health insurance cover immediately. You have access to a nurse through your helpline and can consult with a GP using the digital GP app. If you need to make a claim right away, we may require a medical report from your GP. Health insurance is designed to cover new conditions that arise after the policy has started.

No, health insurance does not cover A&E (Accident and Emergency) visits. Private hospitals do not typically have the facilities for handling A&E cases. In case of an emergency, please dial 999 or use the NHS emergency services. However, if you require follow-up treatment after an emergency situation, your private medical insurance may be able to assist.

Yes, many insurers offer rewards in leisure, wellbeing, and health. Speak to WeCovr's experts or visit your insurer's website for more details on member rewards.

You may continue your cover or get another own personal policy. If you continue your cover, existing or ongoing medical conditions might be covered depending on the level of cover you choose. Contact our friendly experts to discuss your options and find the right option for you.

You can tap one of the buttons above or below and fill in a quick form to arrange a call with us to discuss your options.

Your cover may be similar but not identical. We will help you find the right level of cover that suits your needs, and ongoing medical conditions may be covered. Contact our friendly advisers to explore all available options.

No, the price won't be the same as before since employers often contribute to the cost of employee cover. Additionally, different cover levels and medical histories may affect the price. Contact WeCovr's experts for detailed information.

You have a few weeks or months from leaving your job to decide to continue with your insurer or change to another one. Your policy may start the day after you left your work policy, and our experts can guide you through other available options.

After leaving your job, contact WeCovr's experts with your leave date to discuss available options.

Yes, ongoing treatment may be covered on your new personal policy, although it could affect the price. Contact our experts for personalised advice on your options.

Details on paying excess fees will be provided when you contact your insurer for treatment authorisation.

No, there is no excess fee for utilising these services.

Excess adjustments can be made at specific intervals during your policy term.

No claims discounts can impact renewal costs based on claims history.

Pre-existing conditions typically aren't covered but can be discussed with our healthcare specialists.

This involves health-related questions before policy enrolment to determine coverage.

Moratorium underwriting simplifies enrolment but may require health disclosures during claims.

Claims may require additional information if under moratorium underwriting.

Pre-existing conditions refer to medical issues existing before policy inception. A pre-existing condition is anything you've previously had medical treatment for, such as diabetes, heart disease, or asthma. Most insurance providers consider any condition you've had symptoms or treatment for in the past five years as pre-existing. Our experts at WeCovr can help you understand how pre-existing conditions affect your policy options.

While some insurance providers automatically renew your private healthcare cover, it's beneficial to compare policies when yours is about to end. This ensures you're still getting the best deal for the coverage you need. Our experts at WeCovr can assist you in finding the right policy for you.

Typically, you must be over 18 to take out your own policy, but minors can usually be included in a family policy. There may also be an upper age limit for private health insurance, and premiums typically increase with age. Our experts at WeCovr can provide guidance on age-related policy aspects.

Paying for health insurance annually often results in savings compared to monthly payments. However, this depends on your insurance provider. For help determining the most cost-effective option, consider consulting our experts at WeCovr.

If your employer offers private health insurance as part of your benefits package, you likely don't need additional cover. However, there may be limits on the cover you receive, and it may not extend to your entire family. Remember, any insurance you get through work only covers you while you're employed there.

If you don't have pre-existing conditions, a medical exam is usually not required. You'll just need to complete a medical history form and select your level of cover. However, if you're older, have a pre-existing condition, or lead an unhealthy lifestyle, a medical exam may be necessary. Our experts at WeCovr can clarify the requirements of different policies.

Many private health insurance providers now offer GP services, either digitally or face-to-face. This means you can often get a private GP appointment quickly, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer GP services.

With private health insurance, you can often secure a GP appointment much quicker than with traditional methods, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer quick GP appointment services.

Inpatient care refers to any treatment requiring a stay in a hospital or clinic for at least one night. Outpatient care refers to treatments or tests that don't require hospital admission, such as minor diagnostic tests or physiotherapy sessions. Our experts at WeCovr can help you understand the different types of care and find a policy that suits your needs.

Private health insurance covers your medical treatment if you fall ill, while critical illness cover provides additional financial help if you develop one of the critical illnesses listed in the policy, such as covering loss of income if you're unable to work. For assistance in understanding the differences and finding the right coverage, consult our experts at WeCovr.

Health insurance policies are designed for cover in the UK. For cover abroad, consider travel insurance for short trips or international health insurance for longer stays or if you have a holiday home overseas. Our experts at WeCovr can guide you in finding the appropriate coverage for your travel needs.

If your employer provides health insurance, it's considered a 'benefit in kind' and is not tax deductible. Your employer should calculate the tax you owe for your health insurance premiums and deduct it from your pay. There are some exceptions for small companies. For more information on tax implications, consider reaching out to our experts at WeCovr.

When you purchase a policy, you choose how much excess you pay, which is your contribution to the cost of treatment if you make a claim. The higher your excess, the lower your premium is likely to be. Our experts at WeCovr can help you understand how excess works and choose the right level for you.

These are two methods of underwriting a health insurance policy, relating to how insurance providers consider your pre-existing medical conditions when you take out cover. For help understanding the differences and choosing the right option for you, consult our experts at WeCovr.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Every year you don't make a claim gives you an extra year of no-claims discount, potentially reducing your premium when you renew. Our experts at WeCovr can help you find policies that offer no-claims discounts.

To find the best health insurance for you, compare various policies to find one that offers the features you need at a price you can afford. Consider your personal circumstances and what you want from your policy. Our experts at WeCovr can assist you in evaluating your options and selecting the right coverage for you.

If you need treatment, a GP referral is not always necessary. However, this depends on how you plan to pay for your treatment. Most hospitals will allow you to book appointments with a consultant without a GP referral if you are paying out-of-pocket. If you have private medical insurance, you'll need to check the terms of your policy to see whether your insurer requires you to consult with a GP first (most insurers do). Some policies offer a direct booking system without a referral for certain conditions, such as counseling for mental health issues.

Yes, you can obtain financing for a loan to cover the cost of surgery. Many private healthcare companies have partnerships with finance companies to allow you to spread the cost of private treatment over time. You could also explore getting an ordinary loan from your bank if this option proves to be more cost-effective for you.

WeCovr has conducted extensive research into the cost of private health insurance in the UK. Click the link to find out more detailed information.

Yes, you can continue to receive treatment through the NHS even if you have private health insurance and have received private treatment in the past. This could be for rehabilitation after private surgery or for treatment that is not covered by your health insurance policy. For example, some cosmetic surgeries may be available through the NHS but are generally not covered by private medical insurance.

This is a difficult question to answer definitively. There are certain services that cannot be obtained privately, such as emergency treatment at an Accident and Emergency (A&E) department. Many NHS consultants also practice privately, so you could potentially see the same consultant regardless of whether you choose private or public healthcare. However, private healthcare typically offers shorter waiting times, guaranteed private rooms, and more relaxed visiting hours. Additionally, you may have access to treatments and drugs that are not routinely available through the NHS.

Yes, you can self-refer to a private specialist without the need for a GP referral. However, the British Medical Association believes that in most cases, it is best practice to start with your GP, as they are familiar with your medical history.

Yes, if you have a health concern and pay for private tests and scans but cannot afford to have private surgery, you should be able to have your test results transferred to an NHS provider for treatment.

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