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Private Health Insurance Quote Checklist UK




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TL;DR

As an FCA-authorised broker that has helped arrange over 900,000 policies of various types, WeCovr understands that getting a private medical insurance quote in the UK can feel complex. This definitive guide simplifies the process, giving you the confidence and knowledge to find the right cover for your needs. Everything you need before getting a PMI quote in the UK Navigating the world of Private Medical Insurance (PMI) can feel like learning a new language.

Key takeaways

  • Chronic Conditions: These are long-term conditions that cannot be cured, only managed. Examples include diabetes, asthma, arthritis, and high blood pressure. While the initial diagnosis of a chronic condition might be covered, the ongoing, long-term management will not be.
  • Pre-existing Conditions: This refers to any illness, disease, or injury for which you have had symptoms, medication, advice, or treatment before your policy starts. How these are handled depends on your choice of underwriting, which we'll explore later.
  • Emergency Services: If you have a medical emergency, like a heart attack or a serious accident, you must still call 999 and go to an NHS A&E department. PMI does not cover emergency treatment.
  • Other Standard Exclusions: Common exclusions include cosmetic surgery (unless reconstructive), normal pregnancy and childbirth, and treatment for addiction.
  • Full Name(s): For everyone you want to be covered on the policy.

As an FCA-authorised broker that has helped arrange over 900,000 policies of various types, WeCovr understands that getting a private medical insurance quote in the UK can feel complex. This definitive guide simplifies the process, giving you the confidence and knowledge to find the right cover for your needs.

Everything you need before getting a PMI quote in the UK

Navigating the world of Private Medical Insurance (PMI) can feel like learning a new language. With terms like 'moratorium', 'excess', and 'out-patient limits', it's easy to feel overwhelmed. But it doesn't have to be this way.

The key to getting the best private health cover is preparation. By gathering a few key pieces of information and understanding your options beforehand, you can approach the quote process with clarity, save time, and ultimately secure a policy that truly fits your life and budget.

This checklist is your step-by-step guide. We'll walk you through everything from basic personal details to the finer points of policy customisation, ensuring you're fully equipped to have a productive conversation with a broker or insurer.

Understanding the Basics: What is Private Medical Insurance (PMI)?

Before diving into the details, let's establish exactly what PMI is and what it is designed to do.

In the UK, we are incredibly fortunate to have the National Health Service (NHS). However, with increasing pressures, waiting times for certain treatments can be long. For instance, in late 2024, the NHS England waiting list for routine consultant-led treatment stood at over 7.5 million.

Private Medical Insurance is a policy you pay for that covers the cost of private healthcare for specific conditions. Its primary purpose is to provide faster access to diagnosis and treatment for acute conditions.

An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of things like cataracts, joint replacements, or hernia repairs.

What PMI Does Not Cover

This is arguably the most important concept to understand. Standard UK private health insurance is not designed to cover:

  1. Chronic Conditions: These are long-term conditions that cannot be cured, only managed. Examples include diabetes, asthma, arthritis, and high blood pressure. While the initial diagnosis of a chronic condition might be covered, the ongoing, long-term management will not be.
  2. Pre-existing Conditions: This refers to any illness, disease, or injury for which you have had symptoms, medication, advice, or treatment before your policy starts. How these are handled depends on your choice of underwriting, which we'll explore later.
  3. Emergency Services: If you have a medical emergency, like a heart attack or a serious accident, you must still call 999 and go to an NHS A&E department. PMI does not cover emergency treatment.
  4. Other Standard Exclusions: Common exclusions include cosmetic surgery (unless reconstructive), normal pregnancy and childbirth, and treatment for addiction.

Understanding this distinction between acute and chronic care is fundamental to setting the right expectations for your private health cover.

Your Personal and Family Details: The Foundation of Your Quote

Every quote starts with the basics. Insurers use this information to build a risk profile, which directly influences your premium (the monthly or annual cost of your policy).

Have these details ready:

  • Full Name(s): For everyone you want to be covered on the policy.
  • Date(s) of Birth: Age is one of the biggest factors in determining your premium. Statistically, the likelihood of needing medical treatment increases as we get older.
  • Postcode: Where you live matters. Healthcare costs vary significantly across the UK. Treatment in central London, for example, is more expensive than in rural Scotland. Your postcode helps the insurer calculate the likely cost of treatment in your area.
  • Smoking Status: You will need to declare if you and any other applicants have used tobacco or nicotine products (including vaping) within a certain timeframe, usually the last 12-24 months. Smokers are considered higher risk and will pay a higher premium.

Real-Life Example: Sarah, 45, from Manchester, and David, 45, from Marylebone, London, both request a quote for the exact same policy. David's premium will almost certainly be higher due to the higher average cost of private hospital care in central London.

Deciding Who to Cover: Individual, Couple, or Family Policies

Who needs cover? Your answer will shape the type of policy you choose.

  • Individual Policy: Covers one person only. Simple and straightforward.
  • Couple Policy: Covers you and your partner. This can sometimes be slightly cheaper than two separate individual policies. Most insurers define a 'couple' as two people living at the same address, regardless of marital status.
  • Family Policy: Covers you, your partner, and your dependent children. Insurers often have special offers for families, such as 'free cover for your first child' or discounted rates for multiple children. Children can typically stay on a family policy until they are 21, or sometimes 25 if they are in full-time education.

Think about your future plans. If you're planning to start a family, ask how easy it is to add a newborn to the policy. Most insurers will allow you to add a new baby without any new medical underwriting, provided you do so within a few months of their birth.

Medical History: Honesty is the Best Policy

This is a critical part of your application. You will be asked questions about your medical history and the history of anyone else on the policy. It is vital that you are completely honest and accurate.

Failing to disclose a past condition, even if it seems minor, can have serious consequences. If you later make a claim for something related to that undisclosed condition, your insurer could refuse to pay for the treatment or even void your entire policy. This is known as 'non-disclosure'.

What you need to think about:

  • Any consultations with doctors or specialists in the last 5 years.
  • Any symptoms you've experienced, even if you didn't see a doctor.
  • Any medication, treatment, or therapy you've received.

Don't worry, having a medical history doesn't automatically mean you can't get cover. It simply means the insurer needs to understand your health profile to offer the right terms. This leads us to one of the most important choices you'll make.

The Crucial Choice: Understanding Underwriting Options

'Underwriting' is the process an insurer uses to assess risk and decide whether to offer you a policy and on what terms. For PMI in the UK, you will typically be offered two main options.

  1. Moratorium (MORI) Underwriting: This is the most common and simplest option. You won't have to fill out a detailed medical questionnaire upfront. Instead, the insurer applies a 'waiting period' (the moratorium) to pre-existing conditions.

    • How it works: Any medical condition you've had symptoms, treatment, or advice for in the 5 years before the policy starts is excluded. However, if you then go for a continuous 2-year period after your policy begins without any symptoms, treatment, or advice for that specific condition, it may become eligible for cover.
    • Pros: Quick and easy to set up. No lengthy forms.
    • Cons: Less certainty. You may not know if a condition is covered until you make a claim.

  2. Full Medical Underwriting (FMU): With this option, you provide a full declaration of your medical history by completing a detailed questionnaire when you apply.

    • How it works: The insurer's underwriting team reviews your medical history and decides what they can and cannot cover. Any pre-existing conditions will be explicitly listed as exclusions on your policy documents.
    • Pros: Complete clarity from day one. You know exactly what is and isn't covered. Can sometimes result in a lower premium if you have a clean bill of health.
    • Cons: The application process takes longer. Can be more intrusive.

Comparing Underwriting Options

FeatureMoratorium (MORI) UnderwritingFull Medical Underwriting (FMU)
Application ProcessFast and simple, no medical formsSlower, requires a detailed medical questionnaire
Clarity on CoverLess certainty; cover for past issues is determined at the point of a claimFull clarity from the start; exclusions are listed on your policy certificate
Cover for Pre-existing ConditionsMay become eligible for cover after a 2-year trouble-free periodUsually excluded permanently, though some minor conditions may be accepted
Best ForPeople who want a quick start and have few or no recent medical issuesPeople who want absolute certainty about their cover, or those switching from another FMU policy

A specialist broker, like the team at WeCovr, can explain these options in detail and help you decide which is the most suitable for your personal circumstances.

Customising Your Cover: Core Components and Optional Extras

Think of building a PMI policy like choosing the specifications for a new car. There's a standard model (core cover) and a list of optional extras you can add to tailor it to your needs and budget.

Core Cover: The Essentials

Almost every PMI policy in the UK includes the following as standard:

  • In-patient Treatment: This covers you when you are admitted to a hospital and stay overnight. It includes the costs of surgery, hospital accommodation, nursing care, specialist fees, and diagnostics like MRI or CT scans while you are in hospital.
  • Day-patient Treatment: This is for when you are admitted to a hospital for a planned procedure but do not stay overnight. Examples include arthroscopy or cataract surgery.
  • Cancer Cover: This is a cornerstone of modern PMI. Most comprehensive policies offer extensive cancer cover, including surgery, chemotherapy, and radiotherapy. Some policies also include access to new and expensive drugs not yet available on the NHS. Always check the specifics of the cancer cover being offered.

Optional Extras: Tailoring Your Policy

This is where you can really control the breadth and cost of your cover.

Optional ExtraWhat It CoversIs It Worth It?
Out-patient CoverConsultations with specialists and diagnostic tests that do not require hospital admission. This is key for getting a speedy diagnosis.Highly recommended. Without it, you would need to rely on the NHS for your initial diagnosis before your PMI could cover the treatment. You can often choose a limit (e.g., £500, £1,000, or unlimited) to manage the cost.
Therapies CoverAccess to services like physiotherapy, osteopathy, and chiropractic treatment.Very useful if you have a history of musculoskeletal issues or play sports. Limits on the number of sessions often apply.
Mental Health CoverCovers consultations with psychiatrists and psychologists, and in-patient/day-patient psychiatric treatment.Increasingly important. Mental health support on the NHS can have long waiting lists. This extra provides faster access to crucial support.
Dental & Optical CoverProvides money back towards routine check-ups, dental treatments, and the cost of glasses or contact lenses.This is more like a cashback plan than insurance for major unforeseen events. It can be cost-effective if you know you will use the full allowance each year.

Deciding on these extras is a balance between comprehensive protection and your budget. The most common and valuable add-on is out-patient cover.

Setting Your Budget: How Excess and Hospital Lists Affect Your Premium

Two final levers allow you to fine-tune the cost of your policy.

1. The Policy Excess

An excess is a one-time payment you agree to make towards the cost of a claim each policy year. It's similar to the excess on a car or home insurance policy.

  • How it works: If you have an excess of £250 and your first claim of the year costs £3,000, you would pay the first £250 and the insurer would pay the remaining £2,750. For any subsequent claims in that same policy year, you would pay nothing more.
  • The trade-off: The higher the excess you choose, the lower your monthly premium will be.
  • Common excess levels: £0, £100, £250, £500, £1,000.

Choosing a higher excess (e.g., £500) can be a smart way to make a comprehensive policy more affordable, as you are effectively self-insuring for smaller claims.

2. The Hospital List

Insurers have agreements with networks of private hospitals across the UK. They group these hospitals into lists or tiers, and the list you choose affects your premium.

  • Tier 1: Local/Limited List: A selection of hospitals, often excluding those in major city centres like central London. This is the most budget-friendly option.
  • Tier 2: Nationwide List: A comprehensive list of several hundred private hospitals across the UK, giving you plenty of choice. This is the most common option.
  • Tier 3: Premium/London List: Includes all the hospitals on the nationwide list, plus the exclusive and expensive private hospitals in central London (e.g., The London Clinic, The Lister Hospital). This is the most expensive option.

Consider your location and willingness to travel. If you live outside of London and are happy to be treated locally, choosing a list that excludes the most expensive London hospitals is an easy way to reduce your premium without significantly impacting the quality of your care.

Lifestyle and Wellbeing: More Than Just Medical Cover

Modern private health cover is evolving. It's no longer just about being there when you're ill; it's also about helping you stay healthy.

When getting a quote, be prepared to answer questions about:

  • BMI (Body Mass Index): Some insurers may ask for your height and weight to calculate your BMI. A very high BMI can sometimes lead to a higher premium.
  • Alcohol Consumption: You may be asked about your average weekly unit consumption.

Insurers actively encourage healthy living by offering a range of wellness benefits. These can include:

  • Discounted gym memberships.
  • Wearable fitness tracker deals.
  • Access to virtual GP services (24/7 phone or video consultations).
  • Digital mental health support and therapy apps.
  • Smoking cessation programmes.
  • Discounts on health screenings.

At WeCovr, we enhance this further. Our clients who purchase Private Medical or Life Insurance receive complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, helping you maintain a healthy diet and lifestyle.

Why Use a Specialist Broker like WeCovr?

You could go directly to an insurer like Bupa, Aviva, or AXA. However, you would only get one price and one perspective. Using an independent, FCA-authorised broker offers several key advantages.

  1. Market-wide Comparison: A broker works with a panel of leading UK insurers. They can compare dozens of policies in one go to find the best private health cover for your specific needs and budget.
  2. Expert, Unbiased Advice: A good broker understands the market inside-out. They can explain the nuances of different policies, demystify the jargon, and guide you on crucial decisions like underwriting and excess levels. Their duty is to you, the client, not to any single insurer.
  3. No Extra Cost: Brokers are paid a commission by the insurer you choose to proceed with. This means their expert advice and support service is available to you at no extra cost. The premium is the same as if you went direct.
  4. Ongoing Support: Your relationship with a broker doesn't end once you buy the policy. They can assist you with renewals, help you review your cover, and even offer guidance if you run into any issues with a claim.
  5. Exclusive Benefits: Brokers can sometimes offer extra value. For example, WeCovr customers can benefit from discounts on other types of insurance when they purchase PMI, helping you save money across all your protection needs.

Your Step-by-Step Quote Preparation Checklist

Let's bring it all together. Before you pick up the phone or start filling in online forms, have this information ready.

  1. Personal & Family Details:

    • Full names of all applicants.
    • Dates of birth for all applicants.
    • Your home postcode.
    • Smoking/vaping status for all adult applicants.

  2. Cover Decisions:

    • Who to cover: Yourself, you and a partner, or your family?
    • Medical History: Make a mental note of any doctor's visits, treatments, or symptoms for all applicants over the last 5 years.
    • Underwriting Preference: Have a think about whether you'd prefer the simplicity of a Moratorium or the clarity of Full Medical Underwriting.

  3. Policy Customisation:

    • Out-patient Cover: Do you want it, and if so, to what level (£500, £1,000, Full)?
    • Other Extras: Are you interested in cover for Therapies, Mental Health, or Dental & Optical?
    • Excess Level: What level of excess are you comfortable with (£100, £250, £500)? Remember, a higher excess lowers your premium.
    • Hospital List: Do you need access to central London hospitals, or is a nationwide or local list sufficient?

  4. Budget:

    • Have a rough idea of what you are comfortable spending per month. This helps your broker find the best possible cover within your budget.

With this checklist completed, you are in the strongest possible position to find the right private medical insurance in the UK. You'll be able to have a clear, efficient conversation and compare quotes on a like-for-like basis, ensuring you get true value and peace of mind.

Do I need a medical exam to get private health insurance?

Generally, no. For the vast majority of people applying for private medical insurance in the UK, a medical examination is not required. The insurer will assess your health based on the information you provide, either through a detailed questionnaire (Full Medical Underwriting) or by applying a standard waiting period for past conditions (Moratorium underwriting).

What is the difference between an acute and a chronic condition?

This is a key distinction for PMI. An **acute condition** is an illness or injury that is expected to respond quickly to treatment and lead to a full recovery (e.g., a hip replacement, cataract surgery, appendicitis). Standard PMI is designed to cover these. A **chronic condition** is a long-term illness that cannot be cured but can be managed (e.g., diabetes, asthma, arthritis). Private health insurance does not typically cover the ongoing management of chronic conditions.

Does private health insurance cover cancer?

Yes, cancer cover is a fundamental part of almost all comprehensive private medical insurance policies in the UK. Cover is usually extensive, including costs for diagnosis, surgery, and treatments like radiotherapy and chemotherapy. Many policies also provide access to specialist drugs and treatments that may not yet be available through the NHS. However, the level of cover can vary, so it's important to check the policy details carefully.

Can I add my family to my policy later on?

Yes, you can usually add close family members like a partner or children to your policy at any time. However, if you add them after the policy has started (outside of a special event like a newborn), they will typically need to be medically underwritten themselves. This means any pre-existing conditions they have may be excluded. It's often easiest and most seamless to add everyone who needs cover at the same time when you first take out the policy.

Ready to take the next step? The expert team at WeCovr is here to help. We'll take you through this checklist, provide a free, no-obligation comparison of the UK's leading insurers, and find the perfect policy for you. Get your personalised quote today.

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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 FCA-authorised 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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