WeCovr

Private Health Insurance Price Increases UK

As an broker that has helped arrange over 1,000,000 policies, WeCovr understands that seeing your private medical insurance premium increase can be frustrating. This in-depth guide explains why private health insurance prices rise in the UK and provides actionable strategies to ensure you always get good value.

Last updated Oct 26, 2026

Editorial standards

We research and update guides regularly, keep commercial relationships separate from editorial rankings, and publish content for information only rather than personal advice.

Highly rated by our customers
over 1,000,000 policies arranged
Expert guidance



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

TL;DR

As an broker that has helped arrange over 1,000,000 policies, WeCovr understands that seeing your private medical insurance premium increase can be frustrating. This in-depth guide explains why private health insurance prices rise in the UK and provides actionable strategies to ensure you always get good value.

Key takeaways

  • New Drugs and Treatments: Groundbreaking but expensive treatments, such as new cancer drugs, immunotherapies, and gene therapies, are constantly being developed. For example, a single course of some advanced cancer treatments can cost tens of thousands of pounds.
  • Advanced Diagnostic Technology: The cost of purchasing, maintaining, and operating state-of-the-art equipment like MRI, CT, and PET scanners increases over time. These technologies provide faster, more accurate diagnoses but come at a high price.
  • Specialist Fees: The fees charged by top consultants, surgeons, and anaesthetists tend to rise annually.
  • Private Hospital Costs: The day-to-day running costs of private hospitalsincluding nursing staff wages, energy bills, and clinical suppliesare always on the rise.
  • Are my children now grown up and no longer need to be on my policy?

As an broker that has helped arrange over 1,000,000 policies, WeCovr understands that seeing your private medical insurance premium increase can be frustrating. This in-depth guide explains why private health insurance prices rise in the UK and provides actionable strategies to ensure you always get good value.

Why premiums rise each year and how to manage them

It’s the one letter or email every policyholder dreads: your private health insurance renewal notice. More often than not, the price has gone up. But this isn't arbitrary. The increase reflects a complex mix of factors, from your personal circumstances to broader trends in UK healthcare.

Understanding these drivers is the first step to taking control. This guide will demystify the price rises and empower you with the knowledge to effectively manage your annual private health cover costs.

Understanding the Key Drivers of Private Health Insurance Price Rises

Several powerful forces combine to push premiums upwards each year. While some are personal to you, many are market-wide trends that affect all policyholders and insurers.

1. Medical Inflation: The Hidden Cost Driver

This is the single biggest factor behind rising premiums. Medical inflation is not the same as the standard Consumer Price Index (CPI) that we hear about in the news. It refers to the rising cost of delivering private healthcare and consistently outpaces general inflation.

Key components of medical inflation include:

  • New Drugs and Treatments: Groundbreaking but expensive treatments, such as new cancer drugs, immunotherapies, and gene therapies, are constantly being developed. For example, a single course of some advanced cancer treatments can cost tens of thousands of pounds.
  • Advanced Diagnostic Technology: The cost of purchasing, maintaining, and operating state-of-the-art equipment like MRI, CT, and PET scanners increases over time. These technologies provide faster, more accurate diagnoses but come at a high price.
  • Specialist Fees: The fees charged by top consultants, surgeons, and anaesthetists tend to rise annually.
  • Private Hospital Costs: The day-to-day running costs of private hospitals—including nursing staff wages, energy bills, and clinical supplies—are always on the rise.

According to industry analysis, medical inflation in the UK typically runs between 8% and 12% per year, a stark contrast to the government's 2% target for general inflation. This underlying cost pressure is a primary reason your premium increases even if you haven't made a claim.

2. Your Age: A Predictable Increase

From an insurer's perspective, age is a key indicator of risk. As we get older, we are statistically more likely to require medical treatment. Insurers group customers into age bands, and each year on your birthday, you may move into a new, higher-priced band.

This age-related increase is separate from any other factor. It will happen even if:

  • You are in perfect health.
  • You have never made a claim.
  • Medical inflation was zero.

Think of it as a predictable, incremental increase that reflects your changing risk profile over time.

Age BracketIllustrative Monthly PremiumWhy the Cost is Higher
25-30£45Lower statistical likelihood of needing major treatment.
45-50£85Risk of conditions like joint problems or heart issues begins to rise.
65-70£160+Higher probability of needing procedures like hip replacements or cancer care.

Note: These are illustrative figures for a mid-range policy. Actual costs will vary significantly.

3. Your Personal Claims History (No Claims Discount)

Just like with car insurance, most private health insurance policies feature a No Claims Discount (NCD). This is a tiered discount that rewards you for not making a claim.

Here’s how it typically works:

  • You start on a certain level of the NCD ladder (e.g., Level 2, offering a 50% discount).
  • For every year you don't claim, you move up a level, increasing your discount up to a maximum (e.g., Level 1, 75% discount).
  • If you make a claim, you will typically move down several levels at your next renewal (e.g., from Level 1 down to Level 4).

A claim can therefore cause a significant "double impact" on your renewal price:

  1. You lose some or all of your No Claims Discount.
  2. You are still subject to the annual increases from age and medical inflation.

This is why a premium can sometimes feel like it has doubled after your first claim.

4. Insurance Premium Tax (IPT)

IPT is a tax levied by the UK government on all general insurance policies, including private medical insurance. It is charged to the insurer, who then passes the cost directly on to you, the customer.

As of 2025, the standard rate of IPT is 12%.

Any increase in your underlying premium automatically means you pay more tax, too. For example, if your base premium is £1,000, IPT adds £120. If your base premium rises to £1,100 due to inflation, IPT adds £132. It’s a tax on a tax, amplifying the overall increase.

5. Increased Pressure on the NHS

The UK's beloved National Health Service is facing unprecedented challenges. As of mid-2025, NHS England's waiting list for routine consultant-led treatment remains stubbornly high, with millions of people waiting for care.

How does this affect your private health insurance premium?

  • Increased Demand: Long NHS waits drive more people to use their private medical insurance for quicker access to diagnosis and treatment.
  • Higher Claim Volume: This increased usage leads to a higher volume of claims being paid out by insurers.
  • Shared Risk Pool: Insurers spread these higher costs across their entire pool of customers, leading to higher premiums for everyone, regardless of whether they have personally claimed.

In essence, when the NHS struggles, the private sector absorbs more demand, and the cost is reflected in renewal prices.

How Your Private Health Insurance Policy is Priced

To manage your costs, it helps to understand exactly what you're paying for. Your premium is a carefully calculated figure based on a range of personal and policy-level choices.

The All-Important Note: Pre-existing and Chronic Conditions

Before we go further, it is critical to understand a fundamental principle of the UK private medical insurance market. Standard policies are designed to cover acute conditions—illnesses or injuries that are short-term and likely to respond quickly to treatment.

Private medical insurance does not cover pre-existing conditions or chronic conditions.

  • A pre-existing condition is any illness, disease, or injury for which you have experienced symptoms or sought advice or treatment before your policy started.
  • A chronic condition is a long-term illness that cannot be cured, only managed (e.g., diabetes, asthma, high blood pressure).

This is the single most important exclusion to be aware of when purchasing or reviewing cover.

Key Factors That Determine Your Premium

Your final price is a blend of the following elements. Understanding these levers is key to customising a policy that fits your budget.

FactorImpact on PremiumHow to Manage It
Your AgeHigher age = Higher premium.The best time to buy is when you're younger and healthier.
Your LocationPremiums are higher in major cities, especially London, due to higher hospital costs.Choose a policy that excludes expensive city-centre hospitals if you don't need them.
Cover LevelComprehensive plans with full cancer care, therapies, and mental health are most expensive.Tailor your cover. Do you need full outpatient cover, or could you use the NHS for initial diagnostics?
Policy ExcessA higher excess (the amount you pay towards a claim) leads to a lower premium.Increasing your excess from £100 to £500 can create significant monthly savings.
Hospital ListPolicies with access to all UK private hospitals are pricier than those with a limited local network.Opt for a regional or guided hospital list to reduce costs.
Underwriting Type'Full Medical Underwriting' can sometimes be cheaper initially if you have no pre-existing conditions.Discuss with a broker which underwriting type (Moratorium or FMU) is best for your situation.
Smoker StatusSmokers and vapers are considered higher risk and will always pay more.Quitting smoking can lead to lower premiums after a qualifying period (usually 12 months).

Practical Strategies to Manage Your Renewal Premiums

Receiving a higher renewal quote doesn't mean you have to accept it. You have significant power to influence the cost. Here are the most effective strategies to keep your private health cover affordable.

1. Review Your Cover Annually

The biggest mistake is letting your policy auto-renew without a second thought. Life changes, and your health insurance needs might too. Ask yourself:

  • Are my children now grown up and no longer need to be on my policy?
  • Have I moved to a different part of the country where a different hospital list would suffice?
  • Is the comprehensive cover I bought five years ago still necessary?

An annual review is your best opportunity to right-size your policy.

2. Increase Your Excess

The excess is the fixed amount you agree to pay towards the cost of any claim you make. The insurer pays the rest. By agreeing to share more of the initial cost, you lower the insurer's risk, and they reward you with a lower premium.

Example:

  • Illustrative estimate: A policy with a £100 excess might cost £90 per month.
  • Illustrative estimate: The same policy with a £500 excess could cost £70 per month.
  • Illustrative estimate: Annual Saving: £240

This is often the quickest and easiest way to make a meaningful reduction in your premium.

3. Adjust Your Hospital List

Insurers typically offer tiered hospital lists. A top-tier list gives you access to every private hospital in the country, including the prestigious and expensive ones in Central London. A more restricted list might limit you to a network of hospitals in your local area.

Unless you specifically need access to a particular London-based specialist, opting for a regional or national list that excludes the most expensive facilities can slash your premium by as much as 20-30%.

4. Choose a 'Guided' or 'Expert Select' Option

A growing number of insurers now offer "guided" pathways. With these plans, instead of choosing any consultant you wish, the insurer provides you with a shortlist of 3-5 pre-approved specialists for your condition.

Because the insurer has negotiated WeCovr car insurance rates with these consultants, they can pass the savings on to you in the form of a lower premium. This is an excellent way to manage costs without compromising on the quality of care, as the specialists are all fully vetted.

5. Add a '6-Week Wait' Option

This is a clever compromise between relying solely on the NHS and having full private cover. With a 6-week wait option, your policy will only pay for in-patient treatment if the NHS waiting list for that specific procedure is longer than six weeks.

If the NHS can treat you within six weeks, you use the NHS. If not, your private cover kicks in. Given the current extensive NHS waiting times for many treatments, this option often provides a very similar level of access to a full-cover policy but at a significantly reduced price.

6. Re-broke Your Policy with a Regulated Expert

This is, without a doubt, the most effective strategy. Instead of just accepting your current insurer's renewal price, you can have a specialist at WeCovr or one of our broker partners search the available market for you.

A specialist broker can:

  • Compare dozens of policies from all the UK providers on our panel (Aviva, Bupa, AXA Health, Vitality, etc.).
  • Find equivalent or better cover at a more competitive price.
  • Negotiate on your behalf and handle all the paperwork.
  • Advise on switching safely (see below) to ensure continuity of cover.

This service costs you nothing. Brokers are paid a commission by the insurer you choose, so you get regulated guidance for free. Often, a new insurer will offer an attractive introductory price to win your business, resulting in substantial savings.

7. Embrace a Healthier Lifestyle (and Get Rewarded)

Insurers are increasingly moving towards proactive health management. Many now offer rewards and even premium discounts for engaging in healthy behaviours.

  • Activity Tracking: Providers like Vitality famously reward customers with cinema tickets, coffee, and even Apple Watches for tracking their steps and workouts.
  • Health Checks: Completing annual online health reviews or in-person check-ups can earn you points or discounts.
  • Wellness Apps & Perks: As a WeCovr client, you get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to help you manage your diet and health goals.

By taking steps to improve your diet, exercise regularly, manage stress, and get enough sleep, you not only improve your wellbeing but can also directly lower the cost of your insurance and reduce your likelihood of needing to claim. Furthermore, if you purchase your private medical or life insurance through us, we can often provide discounts on other types of cover you may need, like home or travel insurance.

Is Switching Your Health Insurance Provider a Good Idea?

When faced with a steep renewal price, the temptation to switch is strong. While it's often the right move, it must be done carefully to avoid accidentally losing cover for conditions that have developed.

The Benefits of Switching

  • Price: A new insurer will almost always offer a better price to attract you as a new customer.
  • Modern Features: Newer policies may include better mental health support, virtual GP services, or enhanced cancer cover that your old policy lacks.
  • Resetting the Relationship: You get a fresh start with a new provider, free from any claims history you had with your previous one (though your medical history itself still matters).

The Risks and How to Mitigate Them: Understanding CPME

The biggest risk of switching is losing cover for medical conditions that have arisen since you took out your original policy.

Example: You took out a policy with Insurer A in 2020. In 2023, you developed knee pain and had a private MRI scan. At renewal in 2025, you switch to Insurer B on a standard 'Moratorium' basis. Your knee pain would now be considered a pre-existing condition by Insurer B and would not be covered for at least two years.

The Solution: Switching on a 'Continued Personal Medical Exclusions' (CPME) basis.

This is a special type of underwriting designed specifically for people who are switching providers. With CPME, your new insurer agrees to honour the same cover level you had with your old insurer. Any condition that was covered by your old policy will be covered by your new one.

CPME is the safest way to switch providers. However, it is a complex process and is best handled by an expert PMI broker. They can ensure the switch is seamless and that you don't inadvertently create new exclusions.

When to Switch vs. When to Renegotiate

SituationRecommended Action
Large premium hike with no claims.Re-broke. This is the perfect scenario to use a WeCovr specialist or one of our broker partners to compare the market. You are a low-risk, attractive customer for a new insurer.
You've recently developed a new condition.Seek regulated guidance. A CPME switch is likely the best option. A broker can find a provider who will continue your cover at a better price.
Your cover needs have changed.Review and potentially switch. If you need enhanced cancer cover or better mental health support, a new policy may be a better fit than upgrading your old one.
You're happy with your insurer but not the price.Renegotiate first. Call your insurer or ask your broker to. They may be able to offer a loyalty discount or help you tweak your cover (e.g., raise the excess) to bring the price down.

Frequently Asked Questions (FAQs)

Why did my health insurance go up even though I didn't make a claim?

Your premium will almost always increase each year, even without a claim, for two main reasons. Firstly, as you get older, you move into a higher-risk age bracket, which automatically increases your base premium. Secondly, all premiums are affected by 'medical inflation'—the rising cost of new drugs, advanced medical technology, and specialist fees—which typically runs much higher than general inflation in the UK.

Can I get private health insurance for a pre-existing condition?

Generally, no. Standard UK private medical insurance is designed to cover new, 'acute' conditions that arise after your policy begins. It does not cover pre-existing conditions (issues you had before joining) or chronic conditions (long-term illnesses that require ongoing management, like diabetes). If you are switching from another insurer, it may be possible to continue cover for conditions that arose under the old policy via a special arrangement known as CPME underwriting.

How can a WeCovr specialist or one of our broker partners save me money on my PMI?

A regulated PMI broker saves you money in several ways, with no separate broker fee. WeCovr has access to policies from across the entire UK market and can instantly compare them to find good value. New insurers often offer lower prices to attract new customers. We handle all the complex comparisons and paperwork, advise on the safest way to switch (e.g., using CPME), and can often find cover that is better suited to your specific needs and budget than your renewal offer.

Take Control of Your Health Insurance Costs Today

Dealing with private health insurance price increases can be complex, but you are not alone. By understanding the reasons behind the rises and knowing the strategies to manage them, you can ensure you're never paying more than you need to.

The single most effective step is to get an expert, regulated view of the market.

At WeCovr, our team of friendly, UK-based specialists can review your renewal and compare it against the main private medical insurance providers in minutes. Our advice is free, independent, and could save you hundreds of pounds a year.

[Get Your Free, No-Obligation PMI Quote Today and See How Much You Could Save]

Sources

  • NHS England: Waiting times and referral-to-treatment statistics.
  • Office for National Statistics (ONS): Health, mortality, and workforce data.
  • NICE: Clinical guidance and technology appraisals.
  • Care Quality Commission (CQC): Provider quality and inspection reports.
  • UK Health Security Agency (UKHSA): Public health surveillance reports.
  • Association of British Insurers (ABI): Health and protection market publications.

Important Information and Risks

No advice: This article is for general information only. It is not financial, legal, insurance, or tax advice, and it is not a personal recommendation. WeCovr does not assess your individual circumstances or recommend a specific product through this article.

Policy exclusions and underwriting: Insurance policies, including life insurance, private medical insurance, critical illness cover, and income protection, are subject to insurer underwriting, eligibility, acceptance criteria, terms, conditions, limits, and exclusions. Pre-existing medical conditions may be excluded, restricted, or accepted on special terms unless an insurer confirms otherwise in writing.

Tax treatment: References to tax treatment, HMRC rules, or business reliefs are based on current UK legislation and guidance, which can change. Tax treatment depends on your personal or business circumstances and may differ from examples in this article.

Before you buy: Always read the Insurance Product Information Document (IPID), policy summary, and full policy terms before buying, renewing, changing, or keeping cover. If you are unsure whether a policy is suitable for you, speak to an insurance adviser.

Get Quote
Compare private health insurance

Compare private health insurance quotes from leading UK insurers

Answer a few quick questions and a specialist from WeCovr or one of its broker partners will help you compare cover from insurers such as Bupa, AXA, Aviva and Vitality. No obligation.

Get My Health Insurance QuoteNot sure yet? Check your protection score

Takes about 2-3 minutes

Compare cover from leading UK insurers

No obligation to buy

📚 Recommended reads

Best Private Health Insurance UK 2026

Read

Average Cost of PMI (UK)

Read

PMI Provider Reviews

Read

Get a quote

Get a private health insurance quote

Answer a few questions, then a specialist helps you compare cover and prices.

1

Tell us who needs cover

Just you, a partner, your family or your staff.

2

Compare your options

A specialist compares cover and prices from leading UK insurers.

3

Decide in your own time

There is no obligation to buy.

Get My Health Insurance QuoteNot sure yet? Check your protection score

What you get

A specialist from WeCovr or one of its broker partners

Options compared across leading UK insurers

No obligation to buy

See Plans

Related tools

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

WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

Flagship guides

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

Explore insurance hubs

PMI Guides Hub
Life Insurance Guides Hub
Income Protection Guides Hub

Related guides

How Much Does Private Health Insurance Cost in the UK? (2026 Guide)
How Much Does Private Health Insurance Cost in the UK? (2026 Guide)
Read more →
Best Practices for PMI Renewals How to Avoid Price Increases
Best Practices for PMI Renewals How to Avoid Price Increases
Read more →

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

Our Group Is Proud To Have Issued over 1,000,000 policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

Any questions?

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

Private medical insurance is designed for conditions that start after your policy begins, so pre-existing conditions are usually excluded, at least at first. With moratorium underwriting, a pre-existing condition may become eligible for cover once you have gone two continuous years on the policy without symptoms, treatment or advice for it. With full medical underwriting, the insurer tells you upfront which conditions are excluded. If you are switching from another policy or leaving a company scheme, you may be able to keep your existing underwriting terms, and some larger company schemes use Medical History Disregarded underwriting, where pre-existing conditions aren't excluded. Chronic conditions that need long-term management aren't covered by standard policies.

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. Some policies can also cover treatments and drugs that aren't routinely available on the NHS.

There's no fee to get quotes through WeCovr. WeCovr and its broker partners are typically paid a commission by the insurer when you take out a policy. The cost of the policy itself depends on your age, where you live, the cover you choose and your excess.

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 may benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product, and policies differ in ways that matter. Speaking to a specialist at WeCovr or one of its broker partners helps make sure your requirements are understood so you can choose the right cover.

WeCovr's broker partners are firms authorised and regulated by the Financial Conduct Authority (FCA), which requires them to treat customers fairly. You can check any firm on the FCA Register.

WeCovr and its broker partners are typically paid a commission by the insurer when a policy is taken out. The premium is set by the insurer, and you don't pay a separate fee for using the service. You can ask about the commission at any time.

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 eligible conditions that arise after your policy begins. You pay a monthly or annual premium and can claim for private healthcare covered by your policy. Benefits can include quicker access to treatment than on the NHS and, on some policies, access to drugs or treatments that aren't routinely available on the NHS.

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, chronic conditions and conditions present before the policy started.

Usually not on a new personal policy: pre-existing conditions are generally excluded, whatever the premium. Depending on your underwriting, a condition may become eligible later, and if you are switching policies or leaving a company scheme you may be able to keep existing terms. If you have questions about what is covered, contact WeCovr and a specialist at WeCovr or one of its broker partners can explain the options.

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. Depending on the insurer, it applies once per policy year or once per claim. A specialist at WeCovr or one of its broker partners can explain the excess options available.

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.

Some insurers have an upper age limit for new customers, while others don't, and age affects the price. Many insurers will renew an existing policy regardless of age. A specialist at WeCovr or one of its broker partners can help you find insurers that accept your age.

A specialist at WeCovr or one of its broker partners can compare health insurance plans from a range of insurers for you, with no fee to you. Consider individual, couple, or family plans and review coverage details thoroughly before choosing.

Usually, yes. Many insurers let you add a partner or dependent children, either at any time or at renewal, depending on the insurer. The cost depends on factors like their age, where you live and the cover you choose. Contact WeCovr or your insurer for help adding someone to your policy.

UK private medical insurance is designed for treatment in the UK, although some policies include limited cover abroad. If you live or work abroad, international health insurance may be more suitable, and WeCovr or one of its broker partners can help you compare options. For holidays, travel insurance is recommended.

Comprehensive cover usually includes more extensive benefits, such as fuller outpatient cover for consultations, diagnostic tests, physiotherapy and mental health therapies, within the policy limits. A specialist at WeCovr or one of its broker partners can explain the different levels of cover.

Private health insurance typically does not cover routine dental treatment, although some insurers offer a dental option and there are standalone dental policies. A specialist at WeCovr or one of its broker partners can help you compare policies with dental options.

Most private medical insurance policies include cover for cancer diagnosed after the policy starts, but the level of cover varies: some policies limit drugs, treatment time or cost. A specialist at WeCovr or one of its broker partners can help you compare cancer cover between policies.

You can usually change your cover at renewal, and some insurers allow changes during the year. You also have a 14-day cooling-off period after receiving your policy documents, during which you can cancel. A specialist at WeCovr or one of its broker partners can help with changes.

Many policies include a digital GP service provided by the insurer, often with same-day or next-day appointments. Check what your policy includes.

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

Yes. Insurers offer a range of cover levels to suit different budgets and needs, and a specialist at WeCovr or one of its broker partners can talk you through the options.

Your insurer can tell you which hospitals and specialists are included in your policy. For help comparing policies' hospital lists, tap one of the buttons above or below and fill in a few details, and a specialist at WeCovr or one of its broker partners will be in touch.

A fee-assured (or fee-approved) consultant has agreed to charge within your insurer's fee limits, so for eligible, authorised treatment you shouldn't have to pay a shortfall for their fees.

Many policies include some mental health cover, either as standard or as an option, usually with limits on therapy sessions or costs. Cover varies between insurers, so check the details.

Yes, children up to a certain age can usually be included on your policy, and some insurers offer discounts for children.

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. Tap a button below to get your own personalised quote through WeCovr.

Private health insurance can offer quicker access to consultations and treatment for eligible conditions, and more choice over when and where you are treated.

Many policies include physiotherapy, sometimes with limits on sessions or cost. A specialist at WeCovr or one of its broker partners can help you find plans that include it.

Services such as the insurer's digital GP app are usually available as soon as your policy starts.

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 eligible new conditions that arise after the policy starts. Pre-existing conditions are usually excluded, chronic conditions aren't covered, and other exclusions apply.

Health insurance pays for eligible private healthcare, such as consultations and treatment, up to your policy limits. A specialist at WeCovr or one of its broker partners can help you arrange cover.

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

Usually, yes: cover for eligible new conditions starts when your policy starts, and services like a nurse helpline or digital GP app are usually available straight away. If you make a claim soon after starting, the insurer may ask for a 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. Visit your insurer's website, or ask a specialist at WeCovr or one of its broker partners, for details of member rewards.

You may be able to continue your cover with the same insurer on a personal policy, or take out a new policy. Continuing with the same insurer can mean keeping your existing underwriting, so conditions covered under the company scheme may stay covered. A specialist at WeCovr or one of its broker partners can talk you through your options.

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

Your cover may be similar but not identical, and ongoing medical conditions may be covered, depending on the terms. A specialist at WeCovr or one of its broker partners can help you find the right level of cover.

Usually not, because employers often pay for or contribute to staff cover and group schemes are priced differently. Your cover level and age also affect the price. A specialist at WeCovr or one of its broker partners can give you more detail.

There is usually a limited window after leaving, set by the insurer, so check as early as possible. Your personal policy can often start the day after your work cover ends, and a specialist at WeCovr or one of its broker partners can explain other options.

Have your leaving date and your current policy details ready, then contact WeCovr to discuss your options with a specialist at WeCovr or one of its broker partners.

Ongoing treatment may be covered if you continue with the same insurer on a personal policy, although it could affect the price. A specialist at WeCovr or one of its broker partners can explain your options.

Your insurer will explain how to pay your excess when you contact them for treatment authorisation. Usually you pay it to the hospital or consultant.

Usually not: with most insurers, there's no excess for services such as a digital GP. Check your policy.

Excess changes are usually made at renewal, although some insurers allow changes at other times.

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

Pre-existing conditions usually aren't covered on a new personal policy. A specialist at WeCovr or one of its broker partners can explain the underwriting options.

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 are medical issues that existed before your policy started. Many insurers treat any condition you've had symptoms of, treatment for or advice about in the five years before the policy started as pre-existing. A specialist at WeCovr or one of its broker partners can help you understand how pre-existing conditions affect your options.

While some insurance providers automatically renew your private healthcare cover, it's worth comparing policies when yours is due for renewal to check it still offers good value for the cover you need. A specialist at WeCovr or one of its broker partners can help you compare.

Typically, you must be over 18 to take out your own policy, but children can usually be included on a family policy. Some insurers have an upper age limit for new customers, and premiums typically increase with age. A specialist at WeCovr or one of its broker partners can explain the age rules of different insurers.

Some insurers charge less if you pay annually, but this depends on the insurer. A specialist at WeCovr or one of its broker partners can tell you whether paying annually would save you money.

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.

Usually not. With full medical underwriting you complete a medical questionnaire, and the insurer may occasionally ask your GP for a report. With moratorium underwriting there's no medical questionnaire upfront. A specialist at WeCovr or one of its broker partners can explain 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. A specialist at WeCovr or one of its broker partners can help you find policies that offer GP services.

With private health insurance, you can often get a GP appointment much more quickly, sometimes even on the same day, through the insurer's GP service. A specialist at WeCovr or one of its broker partners can help you find policies that include it.

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. A specialist at WeCovr or one of its broker partners can help you understand the different types of care and find a policy that suits your needs.

Private health insurance pays for eligible medical treatment if you fall ill, while critical illness cover pays a lump sum if you are diagnosed with one of the illnesses listed in the policy, which you can use however you choose, for example to replace lost income. A specialist at WeCovr or one of its broker partners can help you understand the differences.

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. A specialist at WeCovr or one of its broker partners can help you find appropriate cover.

If your employer pays for your health insurance, it's usually a taxable 'benefit in kind': you pay income tax on its value, normally through your tax code or payroll, and your employer pays Class 1A National Insurance. For the employer, the premiums are usually an allowable business expense. If you buy a personal policy, you pay for it from taxed income. For advice on your situation, speak to an accountant.

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. A specialist at WeCovr or one of its broker partners 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. A specialist at WeCovr or one of its broker partners can help you understand the differences and choose the right option for you.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Each year you don't claim typically adds to your no-claims discount, which can reduce your premium at renewal. A specialist at WeCovr or one of its broker partners can help you find policies that offer no-claims discounts.

To find the right health insurance for you, compare 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. A specialist at WeCovr or one of its broker partners can help you evaluate your options.

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, check your policy terms to see whether your insurer requires a GP referral first (many do). Some policies offer direct access without a referral for certain conditions, such as muscle and joint problems or counselling 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 published 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 practise privately, so you could potentially see the same consultant either way. However, private healthcare typically offers shorter waiting times, usually a private room, and more flexible visiting. Some policies also give 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.

Usually, yes. If you have private tests or scans but then want NHS treatment, your GP or private consultant can refer you to the NHS and share your results, although the NHS team may want to repeat some tests.

Key guides

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!