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Private Health Insurance vs Critical Illness Cover UK

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

Navigating the world of health protection can be confusing. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we believe in clarity. This guide demystifies two key products: private medical insurance (PMI) and critical illness cover, helping you make an informed choice for your UK protection needs.

Key takeaways

  • Private Medical Insurance (PMI) is designed to pay for the cost of your treatment. Its goal is to get you diagnosed and treated quickly in a private facility, bypassing NHS waiting lists for eligible conditions.
  • Critical Illness Cover (CI) is designed to pay you a tax-free cash lump sum. Its goal is to provide financial support if you are diagnosed with a specific, life-altering illness, allowing you to cover bills, lost income, or any other expenses you see fit.
  • Visit Your GP: Your first port of call is usually your NHS General Practitioner. They cannot be bypassed.
  • Get a Referral: If your GP believes you need to see a specialist, they will provide an open referral or a referral to a specific consultant.
  • Contact Your Insurer: You contact your PMI provider to open a claim. They will check your policy to ensure the condition and proposed treatment are covered.

Navigating the world of health protection can be confusing. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we believe in clarity. This guide demystifies two key products: private medical insurance (PMI) and critical illness cover, helping you make an informed choice for your UK protection needs.

How PMI compares to CI policies for protection

Understanding the difference between Private Medical Insurance (PMI) and Critical Illness (CI) Cover is the first step toward building a robust financial and health safety net. While both are designed to protect you during times of illness, they function in fundamentally different ways.

  • Private Medical Insurance (PMI) is designed to pay for the cost of your treatment. Its goal is to get you diagnosed and treated quickly in a private facility, bypassing NHS waiting lists for eligible conditions.
  • Critical Illness Cover (CI) is designed to pay you a tax-free cash lump sum. Its goal is to provide financial support if you are diagnosed with a specific, life-altering illness, allowing you to cover bills, lost income, or any other expenses you see fit.

Think of it like this: PMI pays the hospital; Critical Illness Cover pays you. They solve different problems, and for many people, the most comprehensive protection comes from having both.

What is Private Medical Insurance (PMI)? A Deep Dive

Private Medical Insurance, often called private health cover, is a policy you buy to cover the costs of private healthcare for specific types of medical conditions. Its primary benefit is speed of access to specialists, diagnostic tests, and treatment.

With NHS waiting lists in England remaining a significant concern—the list for consultant-led elective care stood at 7.54 million in April 2024 according to NHS England data—PMI offers a valuable alternative for those who want to be seen sooner.

How Does Private Medical Insurance Work?

If you develop a new medical symptom, your journey with PMI typically follows these steps:

  1. Visit Your GP: Your first port of call is usually your NHS General Practitioner. They cannot be bypassed.
  2. Get a Referral: If your GP believes you need to see a specialist, they will provide an open referral or a referral to a specific consultant.
  3. Contact Your Insurer: You contact your PMI provider to open a claim. They will check your policy to ensure the condition and proposed treatment are covered.
  4. Authorisation: Once authorised, your insurer will approve the consultation, tests, or treatment at a private hospital from their approved network.
  5. Receive Treatment: You attend your appointments at a private hospital or clinic.
  6. Direct Settlement: The hospital bills your insurance provider directly. You are only responsible for paying any 'excess' you agreed to when you took out the policy.

What Does PMI Cover?

PMI is specifically designed to cover acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and return you to your previous state of health. Examples include cataracts, joint replacements, or removing cancerous tumours.

Crucial Point: Pre-existing and Chronic Conditions are NOT Covered It is vital to understand that standard UK private medical insurance does not cover pre-existing conditions (ailments you had before taking out the policy) or chronic conditions. A chronic condition is one that is long-lasting and cannot be cured, only managed—such as diabetes, asthma, arthritis, or high blood pressure. PMI is for new, curable medical problems that arise after your policy has started.

Here’s a simple breakdown of what is typically included and excluded:

Typically Covered by PMI ✅Typically Not Covered by PMI ❌
In-patient and day-patient treatment (e.g., surgery)Chronic conditions (e.g., diabetes, asthma)
Out-patient consultations, tests, and diagnosticsPre-existing conditions you had before the policy started
Advanced cancer treatment (drugs and therapies not on the NHS)Emergency services (A&E visits)
Mental health support (varies by policy)Routine pregnancy and childbirth
Physiotherapy and other therapiesCosmetic surgery (unless medically necessary post-accident)
Private hospital room and nursing careOrgan transplants (often remain with the specialist NHS centres)

Many modern PMI policies also come with valuable wellness benefits, such as discounted gym memberships, access to virtual GP services 24/7, and mental health helplines, encouraging a proactive approach to your wellbeing.

What is Critical Illness Cover (CI)? A Clear Explanation

Critical Illness Cover works very differently from PMI. It is a type of long-term protection policy that pays out a one-off, tax-free lump sum if you are diagnosed with one of the serious illnesses specified in your policy documents.

The payout is yours to use however you wish. There are no restrictions. People commonly use it for:

  • Paying off a mortgage or rent
  • Covering lost income while they are unable to work
  • Paying for specialist private treatment not covered by PMI or the NHS
  • Making adaptations to their home (e.g., installing a ramp)
  • Reducing financial stress for their family during a difficult time

How Does Critical Illness Cover Work?

  1. Choose Your Cover: You decide on the amount of cover you need (the 'sum assured') and the length of the policy (the 'term'), often set to run until your mortgage is paid off or your children are financially independent.
  2. Diagnosis: You are diagnosed with one of the specific illnesses listed on your policy.
  3. Make a Claim: You and your doctor provide medical evidence to the insurance company to support your claim.
  4. Meet the Definition: The key part of a CI claim is that your condition must meet the exact definition stated in the policy document. For example, a policy's definition of a "heart attack" will have specific criteria regarding enzyme levels and ECG changes. A minor heart attack may not meet the definition for a payout.
  5. Receive the Lump Sum: If the claim is successful, the insurer pays the full sum assured directly into your bank account, tax-free. The policy then typically ends.

What Conditions Does Critical Illness Cover Include?

The number and type of conditions covered can vary significantly between providers. Basic policies might cover 40-50 conditions, while comprehensive ones can cover over 100. The core conditions almost always included are:

  • Cancer: Specific types and severities are defined. Early-stage, non-invasive cancers may result in a smaller partial payment or may not be covered at all.
  • Heart Attack: Must be of a specified severity.
  • Stroke: Resulting in permanent neurological symptoms.

Other commonly covered conditions include:

  • Multiple Sclerosis
  • Kidney Failure
  • Major Organ Transplant
  • Parkinson's Disease
  • Motor Neurone Disease
  • Blindness or Deafness
  • Loss of Limbs

Because the definitions are so specific and important, this is an area where an expert PMI broker like WeCovr can add huge value, helping you compare the small print between different insurers to find the policy with the most relevant and comprehensive definitions for your needs.

The Core Difference: Treatment vs. Cash

The most straightforward way to separate these two powerful protection products is by their fundamental purpose. One pays for treatment, the other provides financial aid.

FeaturePrivate Medical Insurance (PMI)Critical Illness Cover (CI)
Primary PurposeTo pay for the cost of private medical treatment.To provide a cash lump sum for financial support.
Payout MethodPays the hospital/clinic directly for eligible treatment costs.Pays a tax-free lump sum directly to you.
What Triggers a ClaimNeeding diagnosis or treatment for a new, acute medical condition.Being diagnosed with a specific serious illness listed in the policy.
Main BenefitSpeed of access to private healthcare and choice of specialist.Financial freedom and peace of mind during a major illness.

PMI vs. Critical Illness Cover: A Detailed Comparison Table

This table provides a side-by-side look at the key features of each policy, helping you see where they differ and how they might work together.

AspectPrivate Medical Insurance (PMI)Critical Illness Cover (CI)
Primary GoalGet you diagnosed and treated quickly in the private sector for acute conditions.Provide a financial cushion to protect your lifestyle and cover costs if you suffer a severe, life-changing illness.
How It Pays OutDirectly to the medical provider (hospital, specialist). You may have a small excess to pay.A single, tax-free lump sum is paid to your bank account.
Coverage ScopeCovers a wide range of acute conditions, from minor surgery to extensive cancer care (as defined by policy).Covers only a specific list of serious conditions that meet the insurer's precise definitions.
Use of FundsStrictly for approved medical treatment costs.Completely flexible. Use it for your mortgage, bills, lost income, holidays, or private treatment.
Pre-existing ConditionsNot covered. PMI is for conditions that arise after the policy starts.May be covered, but your policy is likely to have exclusions for any illness related to a pre-existing condition.
Chronic ConditionsNot covered. Management of long-term conditions like diabetes or arthritis is excluded.A chronic condition could trigger a payout if it meets a listed definition (e.g., kidney failure due to diabetes).
Cost FactorsAge, location, level of cover (outpatient limits, hospital list), excess, underwriting type.Age, health, smoker status, occupation, sum assured (payout amount), length of policy term.
Best For...Individuals and families who want to avoid NHS waiting lists and have more choice over their medical care.Individuals and families with financial commitments (e.g., mortgage, children) who would struggle if an earner fell ill.
Policy TypeAn annual contract that you renew each year. Premiums are reviewed annually and typically increase with age.A long-term contract, often for 20-30 years. Premiums can be guaranteed (fixed) or reviewable.

Do I Need Both PMI and Critical Illness Cover?

This is a common and important question. Since they serve different needs, PMI and Critical Illness Cover are not mutually exclusive; in fact, they are highly complementary. Having both provides the most comprehensive level of protection.

Let's consider a few scenarios for a 45-year-old architect named David who is diagnosed with a treatable form of bowel cancer.

  • Scenario 1: David has only PMI. His PMI policy kicks in immediately. He bypasses the NHS waiting list, sees a top consultant within days, and has surgery in a private hospital a week later. The treatment is a success. However, he needs to take six months off work to recover fully. Without an income, he struggles to pay his mortgage and household bills, causing immense stress during his recovery. The PMI solved the health problem, but not the financial one.

  • Scenario 2: David has only Critical Illness Cover. His cancer diagnosis meets the policy definition, and his insurer pays him a £75,000 lump sum. This is a huge relief. He can pay his mortgage for the next year and cover his bills without worry. However, he is on the NHS waiting list for his surgery, which is scheduled for three months' time. The wait is anxious and uncomfortable. The CI policy solved the financial problem, but not the health one.

  • Scenario 3: David has both PMI and Critical Illness Cover. This is the ideal scenario. His PMI ensures he gets fast-tracked for private surgery and treatment, minimising his waiting time and anxiety. At the same time, his successful CI claim provides a £75,000 lump sum. He can now focus entirely on his recovery, knowing his treatment is taken care of and his finances are secure. Both the health and financial problems are solved.

For many, this combination offers ultimate peace of mind. An expert adviser at WeCovr can help you assess your budget and needs to find the right balance of cover, whether it's one policy or both.

Understanding the Costs: What Affects Your Premiums?

The price of both policies is highly personalised. Here are the key factors that influence your monthly premiums.

For Private Medical Insurance (PMI):

  • Age: Premiums increase as you get older.
  • Location: Treatment costs are higher in some areas, like Central London, so premiums are too.
  • Level of Cover: Comprehensive policies with high or unlimited outpatient cover cost more than basic ones.
  • Hospital List: A policy that gives you access to all UK hospitals will be more expensive than one with a limited local network.
  • Excess: Choosing a higher voluntary excess (the amount you pay towards a claim) will lower your premium.
  • Underwriting: The method used to assess your medical history (e.g., 'moratorium' or 'full medical underwriting') affects your cover and price.

For Critical Illness Cover (CI):

  • Age: The younger and healthier you are when you take out the policy, the cheaper it will be.
  • Sum Assured (illustrative): A £200,000 payout will cost more than a £50,000 one.
  • Policy Term: A policy that runs for 30 years will cost more per month than one that runs for 15 years.
  • Health & Lifestyle: Smokers pay significantly more than non-smokers. Your weight, alcohol intake, and family medical history are also considered.
  • Occupation: A high-risk job (e.g., scaffolder) may lead to higher premiums than a low-risk office job.
  • Guaranteed vs. Reviewable Premiums: Guaranteed premiums are fixed for the policy term, giving you certainty. Reviewable premiums may start cheaper but can increase over time.

Illustrative Monthly Premiums

To give you a rough idea, here are some example costs for a healthy, 35-year-old non-smoker. Please note these are for illustration only and are not a quote.

Policy TypeCover Level / Sum AssuredEstimated Monthly Premium
Private Medical InsuranceMid-range cover with £250 excess£45 – £70
Critical Illness Cover£100,000 sum assured over 25 years£15 – £30

The only way to know the true cost for your circumstances is to get a personalised quote.

The Role of an Expert Broker Like WeCovr

Trying to compare dozens of policies, each with different benefits, exclusions, and definitions, can be overwhelming. This is where an independent broker shines.

  • Whole-of-Market Comparison: WeCovr compares policies from a wide panel of leading UK insurers, ensuring you see the best options available, not just one company's products.
  • Expert Guidance: Our advisers are specialists in private medical insurance UK. We can explain the jargon, highlight the crucial differences in Critical Illness definitions, and help you tailor a policy to your exact needs and budget.
  • No Cost to You: Our service is free. We receive a commission from the insurer if you decide to proceed, but this does not affect the price you pay.
  • Client-Focused: We work for you, not the insurance company. Our goal is to find you the best possible cover, and our high customer satisfaction ratings reflect this commitment.
  • Added Value: As a WeCovr client who purchases PMI or Life Insurance, you'll receive complimentary access to our AI-powered nutrition app, CalorieHero, and may also benefit from discounts on other insurance products, helping you manage both your health and your finances more effectively.

Beyond Insurance: Proactive Steps for Better Health

While insurance provides a crucial safety net, the best strategy is always to invest in your health proactively. A healthier lifestyle not only reduces your risk of needing to claim but can also lead to lower insurance premiums over time.

  1. A Balanced Diet: Follow the principles of the NHS Eatwell Guide. Focus on a diet rich in fruits, vegetables, whole grains, and lean proteins while minimising processed foods, sugar, and saturated fats.
  2. Regular Physical Activity: The NHS recommends at least 150 minutes of moderate-intensity activity (like brisk walking or cycling) or 75 minutes of vigorous-intensity activity (like running or tennis) a week.
  3. Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. Good sleep is essential for physical repair, mental clarity, and immune function.
  4. Manage Stress: Chronic stress can negatively impact your health. Explore techniques like mindfulness, meditation, yoga, or simply spending time in nature. Many PMI policies now include access to mental health support lines which can be a valuable first step.

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

Generally, no. Standard private medical insurance in the UK is designed to cover new, acute conditions that arise after your policy begins. It does not cover pre-existing conditions (illnesses you already have) or chronic conditions (long-term ailments that require ongoing management, like diabetes or asthma). Some insurers may offer cover after a set period (e.g., two years) without symptoms or treatment for a past condition.

Is the payout from Critical Illness Cover taxed?

No. A key benefit of Critical Illness Cover is that the lump sum paid out upon a successful claim is completely tax-free. The money is paid directly to you to use as you see fit, without any deductions for tax.

Which is more important, PMI or Critical Illness Cover?

Neither is "more important" as they solve different problems. Private Medical Insurance (PMI) is important if your priority is to get fast access to medical treatment and bypass NHS waiting lists. Critical Illness Cover is important if your priority is to protect yourself and your family financially from the impact of a major illness. For the most complete protection, they work best together.

Do I have to use the NHS first before my PMI kicks in?

Your journey will almost always start with your NHS GP. You need their assessment and referral to a specialist before you can make a claim on your PMI policy. However, once you have that referral, you can immediately contact your insurer to arrange private consultations, tests, and treatment, rather than joining the NHS waiting list for those services.

Ready to explore your options and find the right protection for your peace of mind?

The friendly, expert team at WeCovr is here to help. We'll compare the market for you, answer all your questions, and provide a free, no-obligation quote tailored to your needs. Take the first step towards securing your health and financial future today.

Sources

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

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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