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Private Health Insurance vs Health Cash Plans UK

Private Health Insurance vs Health Cash Plans UK 2025

As an FCA-authorised expert with over 800,000 policies of various kinds issued, we at WeCovr know that navigating the UK’s health cover options can be confusing. This guide demystifies the two main choices: comprehensive private medical insurance (PMI) and affordable health cash plans, helping you decide what's right for you.

Key differences explained and which option suits you best

Understanding the distinction between Private Health Insurance and Health Cash Plans is the first step toward making an informed decision about your healthcare. At their core, they serve very different purposes.

Private Medical Insurance (PMI) is designed to cover the high costs of diagnosis and treatment for acute medical conditions. Think of it as a way to bypass long NHS waiting lists for specialist consultations, diagnostic scans, and surgical procedures. It pays the hospital or specialist directly for major, unexpected health events.

A Health Cash Plan, on the other hand, is a simple budgeting tool. It helps you pay for routine, everyday healthcare expenses like dental check-ups, eye tests, and physiotherapy. You pay for the service first, then claim a portion of the money back from the provider, up to an annual limit.

Here’s a quick summary of the fundamental differences:

FeaturePrivate Health Insurance (PMI)Health Cash Plan
Primary GoalTo cover the cost of private treatment for unexpected, acute illnesses and injuries.To help you budget for and reclaim costs from routine healthcare appointments.
CoversSurgery, specialist consultations, cancer care, diagnostic scans (MRI, CT).Dental, optical, physiotherapy, prescriptions, health screenings.
Best ForMajor medical events and bypassing NHS waiting lists.Predictable, everyday health expenses.
CostHigher monthly premiums (e.g., £40 - £150+).Lower monthly premiums (e.g., £5 - £30).
Claim PayoutInsurer pays the hospital/specialist directly for thousands of pounds.You are reimbursed a set amount (e.g., £60 for a dental check-up).
Pre-existing ConditionsNot covered for conditions you had before the policy started.Usually covered for routine check-ups and treatments.

Ultimately, the choice depends on your priorities. Are you more concerned about a long wait for a hip replacement, or the annual cost of your family's dental and optical needs? Let's dive deeper to help you find the perfect fit.

What is Private Health Insurance (PMI) and How Does It Work?

Private Medical Insurance, often called private health cover, is an insurance policy that pays for private medical care if you develop an acute condition after your policy begins. Its primary benefit is providing prompt access to high-quality treatment, giving you choice and control over when and where you are treated.

The UK is fortunate to have the National Health Service (NHS), but it faces significant pressure. As of mid-2024, the waiting list for routine hospital treatment in England stood at around 7.5 million cases. For many, waiting months or even years for a diagnosis or procedure isn't a viable option, which is where PMI becomes invaluable.

The Critical Rule: Acute vs. Chronic and Pre-existing Conditions

This is the most important concept to understand about UK private medical insurance:

  • PMI is 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. Examples include joint pain requiring a hip replacement, hernias, cataracts, or most types of cancer.
  • PMI does NOT cover CHRONIC conditions. A chronic condition is one that continues for a long time and typically cannot be cured, only managed. This includes conditions like diabetes, asthma, high blood pressure, and arthritis. The NHS remains the primary provider for managing these long-term illnesses.
  • PMI does NOT cover PRE-EXISTING conditions. This refers to any illness or symptom you had, or sought advice for, in the years before you took out the policy (usually the last 5 years).

How Does PMI Work in Practice? A Real-Life Example

Imagine you start experiencing persistent knee pain that affects your ability to work and enjoy life.

  1. GP Visit: Your first step is always to see your NHS GP. They examine you and suspect a torn meniscus. They refer you to a specialist.
  2. The NHS Route vs. The PMI Route:
    • NHS: You are placed on a waiting list for an orthopaedic consultation, which could take several months. After that, there's another wait for an MRI scan, and a further, longer wait for any necessary surgery.
    • PMI: You call your insurance provider with your GP's referral letter.
  3. Authorisation: Your insurer confirms that the condition is eligible for cover (i.e., it's acute and not pre-existing) and gives you a pre-authorisation number.
  4. Private Treatment: You use your insurer's approved list of specialists and hospitals to book an appointment, often within days. You see the consultant, have an MRI scan the following week, and are booked for keyhole surgery within a month.
  5. Direct Payment: The insurance company settles the bills—for the consultation, the scan, the surgery, and the hospital stay—directly with the medical providers. You only pay the 'excess' on your policy, if you have one.

What Does a Typical PMI Policy Cover?

While policies vary, most comprehensive plans from the best PMI providers include:

  • In-patient and Day-patient Treatment: This covers costs when you are admitted to hospital for a bed overnight (in-patient) or for the day (day-patient). It includes surgery, hospital accommodation, nursing care, and consultant fees.
  • Out-patient Cover: This is for diagnosis and treatment that doesn't require a hospital bed. It covers specialist consultations, diagnostic tests (like MRI, CT, and PET scans), and therapies like physiotherapy. Most policies have a limit on the value or number of out-patient consultations per year.
  • Cancer Care: This is a cornerstone of modern PMI. It provides extensive cover for the diagnosis and treatment of cancer, including chemotherapy, radiotherapy, and surgery. Crucially, it often gives access to cutting-edge drugs and treatments that may not be available on the NHS due to cost or licensing.
  • Mental Health Support: Most insurers now offer cover for mental health, providing access to psychiatrists, psychologists, and therapists to help with conditions like anxiety and depression.
  • Digital GP Services: 24/7 access to a GP via phone or video call is a standard feature, allowing you to get medical advice and prescriptions quickly without leaving your home.

Common Exclusions in PMI

It’s just as important to know what isn’t covered:

  • Pre-existing and chronic conditions (as detailed above).
  • A&E and other emergency treatment.
  • Routine pregnancy and childbirth.
  • Cosmetic surgery (unless it's reconstructive after an accident or eligible surgery).
  • Routine dental and optical care (though these can sometimes be added for an extra premium).
  • Addiction treatment and rehabilitation.

What is a Health Cash Plan and How Does It Work?

A Health Cash Plan is a much simpler and more affordable health benefit. It is not insurance against major medical events; instead, it's a policy that helps you manage and reclaim the cost of your everyday, predictable healthcare needs.

Think of it as a personal healthcare savings pot that you pay a small monthly amount into. When you spend money on eligible treatments, you claim it back.

How Does a Health Cash Plan Work in Practice?

Let's say you have a cash plan that costs £15 per month. Your policy gives you the following annual benefits:

  • £150 for dental treatments.
  • £150 for optical expenses.
  • £200 for therapies like physiotherapy.
  1. You Need Treatment: You visit the dentist for a check-up and a filling, which costs you £95.
  2. You Pay Upfront: You pay the dental practice the full £95 at the reception desk and get a receipt.
  3. You Claim Back: You log into your cash plan provider's online portal or app, upload a photo of the receipt, and submit your claim.
  4. You Get Reimbursed: Within a few days, the provider pays the £95 directly into your bank account. You now have £55 remaining in your dental benefit for the rest of the policy year.

The key is that you are reimbursed up to your annual limit. If your dental bill was £200, you would only get £150 back for that policy year.

What Does a Typical Health Cash Plan Cover?

Cash plans are fantastic for routine expenses that everyone incurs. Cover typically includes:

  • Dental: Check-ups, hygienist visits, fillings, crowns, and bridges.
  • Optical: Eye tests, glasses, and contact lenses.
  • Therapies: Physiotherapy, osteopathy, chiropractic, and sometimes acupuncture or podiatry.
  • Health Screenings: Contributions towards the cost of a private health check-up.
  • Prescription Charges: Reclaiming the cost of NHS prescriptions.
  • Specialist Consultations: Some plans offer a contribution towards the cost of an initial consultation, but not the full treatment.
  • Hospital Stays: A small fixed cash payment for each night you spend in an NHS hospital.

A major advantage of cash plans is that they often cover pre-existing conditions for these routine expenses, and there is usually no medical questionnaire to complete when you apply.

At-a-Glance Comparison: Private Health Insurance vs Health Cash Plan

This table provides a detailed side-by-side comparison to help you see the differences clearly.

FeaturePrivate Health Insurance (PMI)Health Cash Plan
Primary PurposeCovers high-cost treatment for new, acute medical conditions, enabling you to bypass NHS waiting lists.Helps you budget for and reclaim money from routine, everyday healthcare costs.
Ideal ForIndividuals concerned about long waits for surgery, diagnosis, or cancer treatment.Anyone looking for help with predictable costs like dental bills, glasses, and physiotherapy.
Typical Monthly Cost£40 – £150+ (varies by age, location, and cover level).£5 – £30 (based on the level of benefits chosen, not personal factors).
What it CoversIn-patient/day-patient surgery, specialist fees, MRI/CT scans, cancer treatment, mental health support.Dental check-ups, optical tests, glasses/lenses, prescriptions, physiotherapy, osteopathy.
What it ExcludesChronic conditions, pre-existing conditions, routine dental/optical, emergencies, normal pregnancy.Major surgery, long-term treatment for serious illness, anything beyond your annual cash limits.
Claim ProcessInsurer pre-authorises treatment and pays the hospital/specialist directly. You may pay an excess.You pay for treatment yourself, then submit a receipt to claim a cash reimbursement.
Payout ValueCan be tens of thousands of pounds for a single claim.Limited to hundreds of pounds per category, per year.
UnderwritingRequires medical underwriting (Moratorium or Full Medical Underwriting). Health history is key.Typically no medical underwriting. You can usually join regardless of your health history.
Example ScenarioA 50-year-old needs a hip replacement. PMI pays £15,000 for the private surgery, which happens in 6 weeks.A 35-year-old needs new glasses costing £250. The cash plan reimburses them £150 towards the cost.

Who is Private Medical Insurance Best For?

PMI isn't a necessity for everyone, but it provides immense value and peace of mind for certain individuals. You should strongly consider private medical insurance if you:

  • Are worried about NHS waiting lists. If the thought of waiting over a year for a knee replacement or several months for a diagnostic scan is a major concern, PMI is the solution.
  • Are self-employed or a small business owner. For those whose income depends on their health, long periods of illness can be financially devastating. PMI helps you get diagnosed and treated faster, so you can return to work sooner.
  • Want a choice of specialists and hospitals. PMI gives you control over your treatment, allowing you to choose a leading consultant and a clean, private hospital at a time that suits you.
  • Desire access to the latest medical advancements. For conditions like cancer, PMI can unlock access to new drugs and therapies that are not yet funded by the NHS.
  • Are a higher earner who can comfortably afford the premiums. For many, the monthly cost is a worthwhile investment for the security and convenience it provides.

Example Profile: Meet Amelie, a 48-year-old freelance consultant. Her livelihood depends on her being fit and available for clients. When she developed severe abdominal pain, her GP suspected gallstones and referred her for an ultrasound. The NHS wait was 16 weeks. Using her PMI policy, she had a scan within three days, was diagnosed, and had keyhole surgery to remove her gallbladder two weeks later. She was back at work within a month, with minimal disruption to her income.

Who is a Health Cash Plan Best For?

A Health Cash Plan is a versatile and affordable product that suits a wide range of people. It's an excellent choice if you:

  • Want help budgeting for predictable health costs. If you or your family wear glasses, visit the dentist regularly, or use a physiotherapist, a cash plan can save you hundreds of pounds a year.
  • Cannot afford or don't need comprehensive PMI. For younger individuals or those on a tighter budget, a cash plan offers a tangible health benefit at a very low cost.
  • Have pre-existing conditions. Since cash plans don't usually exclude pre-existing conditions for routine care, you can still get money back for a dental filling or new glasses even if you have a chronic illness.
  • Want a simple, easy-to-use benefit. The "pay and claim" model is straightforward, with no complex medical jargon or underwriting processes.

Example Profile: Consider Tom, a 30-year-old software developer. He pays £12 a month for a health cash plan. This year, he claimed back £60 for a dental check-up, £120 towards new glasses, and £160 for four physiotherapy sessions for a running injury. In total, he claimed £340 after paying £144 in premiums for the year—a net saving of £196.

Can I Have Both a PMI Policy and a Health Cash Plan?

Absolutely! In fact, they work together perfectly to create a comprehensive healthcare solution.

  • Your PMI policy acts as your safety net for the big, scary, and expensive health events like surgery or cancer treatment.
  • Your Health Cash Plan takes care of the smaller, routine costs, helping you look after your day-to-day health without dipping into your savings.

Using them in tandem means you are covered for almost every eventuality. Your PMI policy might have an exclusion for routine dental work, but your cash plan will cover it. Your cash plan won't pay for a major operation, but your PMI will. An expert PMI broker like WeCovr can advise you on how to structure this combined cover effectively.

The private health insurance UK market is crowded with providers, policies, and confusing options. Choosing the wrong level of cover or underwriting can be a costly mistake. This is where an independent, FCA-authorised broker like WeCovr becomes your most valuable asset.

Here’s why using a broker is the smart choice:

  1. Expert, Unbiased Advice: We work for you, not the insurance companies. Our job is to understand your needs and budget and then search the market to find the policy that fits you best.
  2. Access to the Whole Market: We compare plans from all the UK's leading insurers, including many that don't sell directly to the public. This ensures you get the best possible cover at the most competitive price.
  3. No Extra Cost: Our service is free to you. We are paid a commission by the insurer you choose, which doesn't affect the premium you pay. You get expert advice without any added fees.
  4. We Handle the Hassle: From filling out application forms to explaining the fine print, we make the entire process simple and stress-free.

At WeCovr, we pride ourselves on our high customer satisfaction ratings and our commitment to finding the right solution for every client. As a WeCovr client, you also get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, and can benefit from discounts when you take out other policies like life insurance.

Beyond Insurance: Proactive Steps for a Healthier Life

While insurance provides a crucial safety net, the best strategy is always to invest in your health proactively. Many modern PMI policies actively encourage this by offering discounts and rewards for healthy living.

Here are some simple, evidence-based tips to improve your overall wellbeing:

  • Nourish Your Body: Aim for a balanced diet rich in fruits, vegetables, lean proteins, and whole grains. Staying hydrated by drinking plenty of water is also essential for energy and cognitive function.
  • Move Every Day: 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 HIIT) per week. Find an activity you enjoy to make it a sustainable habit.
  • Prioritise Sleep: Most adults need 7-9 hours of quality sleep per night. A consistent sleep schedule, even on weekends, helps regulate your body clock and improves mental and physical health.
  • Manage Stress: Chronic stress can negatively impact your immune system. Practice mindfulness, meditation, or deep-breathing exercises. Spending time in nature and connecting with loved ones are also powerful stress-reducers.

Does UK private health insurance cover pre-existing conditions?

Generally, no. Standard private medical insurance in the UK is designed to cover acute conditions that arise *after* your policy starts. Pre-existing conditions, which are any medical issues you have had symptoms of or sought treatment for in the five years before joining, are typically excluded from cover. This is a fundamental principle of the UK PMI market.

Is it worth getting private health insurance in the UK?

Whether PMI is "worth it" depends on your personal circumstances and priorities. If you value quick access to specialists, a choice of hospitals, and want to avoid potentially long NHS waiting lists for diagnosis and treatment, then it can provide invaluable peace of mind and faster recovery. For those who are self-employed or cannot afford long sick leave, it is often considered an essential investment. However, you must weigh the monthly cost against these benefits.

How much does private health insurance cost in the UK?

The cost of a private medical insurance UK policy varies widely. For a healthy 40-year-old, a comprehensive policy might cost between £60 and £100 per month. Key factors that influence your premium include your age, your location (premiums are higher in London), the level of cover you choose (e.g., out-patient limits), the excess you agree to pay, and your medical history. A broker can help find the most competitive price for your needs.

Can I get a health cash plan if I have a medical condition?

Yes, in most cases. Health cash plans typically do not require medical underwriting, meaning you don't have to declare your medical history. This means you can usually join and claim for routine treatments like dental and optical care even if you have pre-existing or chronic conditions. However, it's always important to check the specific terms and conditions of the plan.

Ready to explore your options and find the right health cover for you and your family? The friendly, expert team at WeCovr is here to provide clear, impartial advice. We compare the leading insurers to find you the best policy at the right price.

Get your free, no-obligation quote today and take control of your health.

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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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