WeCovr

Private International Medical Insurance Is It Worth It

To make the distinction crystal clear, heres a side-by-side comparison of the two types of cover.

WeCovr Editorial Team · experienced insurance advisers
Last updated Mar 17, 2026

Editorial standards

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

Rated Excellent on Google & Trustpilot
900,000+ policies arranged
Expert guidance



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

TL;DR

To make the distinction crystal clear, heres a side-by-side comparison of the two types of cover.

Key takeaways

  • Want to avoid long NHS waiting times: This is the number one reason people buy PMI. Getting a diagnosis or surgery in weeks rather than months or years can make a huge difference to your quality of life and ability to work.
  • Desire more choice and comfort: PMI allows you to choose your hospital and specialist. You'll also typically get a private en-suite room, which can make a hospital stay much more comfortable.
  • Are self-employed or run a small business: If your livelihood depends on your health, being out of action for an extended period can be financially devastating. PMI can get you back on your feet and back to work faster.
  • Want access to drugs and treatments not yet available on the NHS: Some advanced cancer drugs or treatments may be approved for private use before they are funded by the NHS. Top-tier PMI policies often cover this.
  • Age: The older you are, the higher the statistical likelihood of claiming, so premiums increase.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands the nuances of private medical insurance. For UK residents, the choice between domestic and international cover can be confusing. This guide clarifies everything you need to know about whether international private medical insurance is worth it for you.

WeCovr explains how international PMI compares with UK-only cover

Deciding on the right health insurance isn't just about choosing a provider; it's about matching the policy's scope to your life. The fundamental difference between UK Private Medical Insurance (PMI) and International Private Medical Insurance (IPMI) lies in geography.

One is designed to complement the NHS within the UK's borders, while the other provides comprehensive medical care across the globe. Understanding which one fits your circumstances is the first step towards securing peace of mind and timely access to healthcare, wherever you are.

Let's break down what each type of cover entails.

What is UK Private Medical Insurance (PMI)?

UK PMI is a policy designed to work alongside the National Health Service (NHS). Its primary purpose is to cover the costs of diagnosis and treatment for acute conditions that arise after you've taken out the policy.

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 conditions like hernias, joint replacements, or cataracts.

Crucially, standard UK private medical insurance does not cover:

  • Pre-existing conditions: Any medical issue you had before the policy started.
  • Chronic conditions: Long-term illnesses that require ongoing management, such as diabetes, asthma, or high blood pressure.

The main draw of UK PMI is speed and choice. It allows you to bypass potential NHS waiting lists, choose your specialist or surgeon, and recover in a private hospital room.

According to NHS England data from mid-2024, the elective care waiting list remains a significant concern, with millions of treatment pathways creating long waits for routine procedures. This is the primary driver for many people considering private health cover in the UK.

What is International Private Medical Insurance (IPMI)?

International PMI is a far more comprehensive health plan designed for individuals and families living or working outside their home country for extended periods. This includes:

  • Expatriates (expats)
  • Digital nomads
  • Frequent international business travellers
  • Students studying abroad

Unlike UK PMI, which supplements a national health service, IPMI often acts as the primary source of healthcare for the policyholder in their new country of residence. It's built to navigate different healthcare systems, languages, and medical billing practices around the world.

These policies are typically more expensive but offer a much broader scope of cover, often including benefits like medical evacuation, repatriation, and sometimes routine dental and maternity care as standard or high-level options.

Key Differences: UK PMI vs. International PMI at a Glance

To make the distinction crystal clear, here’s a side-by-side comparison of the two types of cover.

FeatureUK Private Medical Insurance (PMI)International Private Medical Insurance (IPMI)
Geographical CoverUnited Kingdom only.A defined region (e.g., Europe) or Worldwide. Often with an option to exclude the USA to reduce costs.
Core PurposeTo supplement the NHS, providing faster access to treatment for acute conditions.To act as the primary health insurance plan for those living or working abroad long-term.
Typical CostLower. A healthy 40-year-old might pay £40-£80 per month for a mid-range policy.Higher. The same 40-year-old could pay £200-£500+ per month, especially for cover including the USA.
PortabilityPolicy is tied to your UK residency and typically ends if you move abroad permanently.Fully portable. The policy moves with you as you relocate between covered countries.
Typical BenefitsIn-patient/day-patient care, diagnostics, some outpatient cover, cancer care.All UK PMI benefits plus medical evacuation, repatriation, 24/7 multilingual support, often dental, vision & maternity.
Chronic ConditionsNot covered. Designed for acute conditions only.Some high-tier plans may offer management for certain chronic conditions, but this is rare and expensive.

Who Needs UK-Only Private Health Cover?

UK-only PMI is the right choice for the vast majority of people whose lives are centred in the United Kingdom. If you live and work in the UK and only travel abroad for short holidays, a standard PMI policy is likely all you need.

You should consider UK PMI if you:

  1. Want to avoid long NHS waiting times: This is the number one reason people buy PMI. Getting a diagnosis or surgery in weeks rather than months or years can make a huge difference to your quality of life and ability to work.
  2. Desire more choice and comfort: PMI allows you to choose your hospital and specialist. You'll also typically get a private en-suite room, which can make a hospital stay much more comfortable.
  3. Are self-employed or run a small business: If your livelihood depends on your health, being out of action for an extended period can be financially devastating. PMI can get you back on your feet and back to work faster.
  4. Want access to drugs and treatments not yet available on the NHS: Some advanced cancer drugs or treatments may be approved for private use before they are funded by the NHS. Top-tier PMI policies often cover this.

Example Scenario:

Sarah is a 45-year-old graphic designer living in Bristol. She is self-employed and cannot afford to be on a waiting list for months if she needs a procedure like a hip replacement. She takes out a UK PMI policy. A year later, she develops severe hip pain. Her GP refers her to a specialist. With her PMI, she sees a consultant within a week, has an MRI scan the following week, and is booked for surgery a month later in a private hospital of her choice. The NHS waiting time for the same procedure in her area was estimated at 14 months.

An expert PMI broker like WeCovr can help you navigate the market, comparing policies from leading UK providers like Bupa, Aviva, AXA Health, and Vitality to find the perfect fit for your needs and budget, at no extra cost to you.

Who Needs International Private Medical Insurance?

IPMI is a specialist product for a more mobile population. It is essential if your life or work takes you outside the UK for more than just a few weeks at a time.

You almost certainly need IPMI if you are:

  1. An Expat: If you are moving abroad to live and work, you will no longer be entitled to NHS care. In many countries, healthcare is extremely expensive, and you will be required to have private insurance.
  2. A Digital Nomad: If you work remotely while travelling the world, travel insurance won't cut it. You need a policy that provides comprehensive medical cover across multiple countries for extended periods.
  3. A Frequent International Business Traveller: If your job requires you to spend several months a year abroad, IPMI ensures you have consistent, high-quality medical cover wherever your work takes you.
  4. A Student Studying Abroad: Many countries and universities require international students to have comprehensive health insurance as a condition of their visa or enrolment.

Example Scenario:

The Patel family is moving from London to Singapore for a three-year work assignment. They will no longer be covered by the NHS. They take out a comprehensive IPMI policy covering Asia. When their son develops a serious ear infection, they can use their policy to see a top paediatric specialist at a private international clinic, with the costs billed directly to the insurer. Six months later, Mrs Patel needs emergency dental work, which is also covered under their plan's dental add-on.

Travel Insurance vs. International PMI: A Critical Distinction

Many people mistakenly believe that an annual travel insurance policy is sufficient for long-term stays abroad. This is a dangerous and costly assumption. The two products are designed for entirely different purposes.

AspectAnnual Travel InsuranceInternational Private Medical Insurance (IPMI)
PurposeCovers short-term trips (usually up to 30-90 days per trip) for unforeseen emergencies.Provides long-term, comprehensive healthcare for people living or working abroad.
Medical CoverEmergency medical treatment only. Its goal is to stabilise you and get you home.Covers everything from routine GP visits and diagnostics to major surgery and cancer treatment.
Non-Medical CoverIncludes cover for lost luggage, flight cancellations, and travel disruption.Purely a health insurance product. Does not cover travel-related mishaps.
Duration of StayLimited time per trip. Not suitable for living abroad.Designed for residency abroad, typically for 12 months or more, and is renewable.
CostRelatively inexpensive.Significantly more expensive, reflecting its comprehensive nature.

In short: Travel insurance is for holidays. IPMI is for living. Relying on travel insurance when you are an expat is like using a plaster for a broken leg – it's simply not the right tool for the job.

Understanding the Costs: What Influences Your Premium?

Whether you choose UK PMI or IPMI, several factors will determine the price you pay. Understanding these can help you tailor a policy to your budget.

Factors Affecting UK PMI Costs

  1. Age: The older you are, the higher the statistical likelihood of claiming, so premiums increase.
  2. Location: Treatment in central London is more expensive than in other parts of the UK, so policies for London residents are often pricier.
  3. Level of Cover: A basic policy covering only in-patient care will be cheaper than a comprehensive one with full outpatient cover, mental health support, and dental options.
  4. Excess (illustrative): This is the amount you agree to pay towards a claim. A higher excess (£500 or £1,000) will significantly lower your monthly premium.
  5. Underwriting:
    • Moratorium: The insurer won't ask for your full medical history upfront. Instead, they will exclude any condition you've had symptoms of, or treatment for, in the last 5 years. This exclusion can be lifted if you go 2 full years on the policy without any issues relating to that condition.
    • Full Medical Underwriting (FMU): You declare your full medical history. The insurer then decides what to exclude permanently from your policy. It provides certainty from day one.

Factors Affecting International PMI Costs

IPMI premiums are influenced by the same factors as UK PMI (age, cover level, excess) but with some crucial additions:

  1. Area of Cover: This is the biggest cost driver. A policy covering "Worldwide excluding the USA" will be dramatically cheaper than one that includes the USA, where healthcare costs are the highest in the world. Other regions, like Europe or South East Asia, will have different price points.
  2. Country of Residence: The cost and quality of healthcare in your chosen country of residence heavily influence the price. Living in Switzerland or Hong Kong will result in higher premiums than living in Spain or Thailand.
  3. Deductibles and Co-payments: Similar to excess, but IPMI plans often have more complex cost-sharing structures.
  4. Additional Benefits: Adding routine dental, vision, and maternity cover will increase the premium substantially.

Illustrative Monthly Costs (2025 Estimates)

This table provides a rough guide to monthly premiums for a healthy, non-smoking 40-year-old.

Policy TypeLevel of CoverEstimated Monthly Premium
UK PMIBasic (In-patient only, £500 excess)£45
UK PMIComprehensive (Full outpatient, £250 excess)£80
International PMIEurope Cover (£1,000 deductible)£220
International PMIWorldwide excl. USA (£1,000 deductible)£300
International PMIWorldwide incl. USA (£1,000 deductible)£550+

Note: These are illustrative figures. Your actual quote will depend on your personal circumstances.

The Role of an Expert PMI Broker like WeCovr

The health insurance market is complex. With dozens of providers, hundreds of policy combinations, and confusing jargon, trying to find the best deal on your own can be overwhelming. This is where an independent broker like WeCovr provides immense value.

Here's how we help:

  • Whole-of-Market Advice: We are not tied to any single insurer. We compare policies from all the leading providers to find the one that truly matches your needs.
  • Expert Guidance: We translate the jargon and explain the fine print, ensuring you understand exactly what is and isn't covered.
  • No Cost to You: Our service is free for you to use. We are paid a commission by the insurer you choose, which is already built into the premium price. You don't pay a penny more for our expert advice.
  • Hassle-Free Process: We handle the application process and can even assist with queries during the claims process, saving you time and stress.
  • High Customer Satisfaction: We pride ourselves on our service, reflected in consistently high ratings on independent customer review websites.

When you arrange a policy through us, you also get complimentary access to our AI-powered nutrition app, CalorieHero, and may receive discounts on other insurance products, like life or income protection insurance.

Wellness and Prevention: More Than Just Insurance

Modern private health cover is evolving. The best PMI providers are no longer just waiting for you to get sick; they are actively helping you stay healthy. Many policies now include a suite of wellness benefits designed to support your physical and mental wellbeing.

These often include:

  • Digital GP Services: 24/7 access to a GP via phone or video call, allowing you to get medical advice quickly without leaving your home.
  • Mental Health Support: Access to counselling sessions, talking therapies, and mental health helplines, reflecting the growing understanding of the importance of mental wellbeing. The Office for National Statistics (ONS) has reported rising rates of anxiety and depression, making this a vital benefit.
  • Gym Discounts and Activity Rewards: Insurers like Vitality famously reward you for being active, offering discounts on gym memberships, fitness trackers, and even healthy food.
  • Health Screenings: Access to regular check-ups to catch potential issues like high cholesterol or early signs of cancer before they become serious problems.

Embracing a healthy lifestyle is the best insurance of all. Aim for a balanced diet, 7-9 hours of quality sleep per night, and at least 150 minutes of moderate-intensity exercise per week, as recommended by NHS guidelines. These wellness benefits are designed to help you achieve just that.

Is International Private Medical Insurance Worth It? The Final Verdict

The answer depends entirely on your life's geography.

For the 99% of UK residents who live, work, and spend most of their time within the UK, international PMI is not worth it. It is an expensive and unnecessarily complex product for your needs. A robust UK-only private medical insurance policy will provide all the cover you need to bypass NHS queues and get choice over your care, at a fraction of the cost.

However, for the 1% who are expats, digital nomads, or long-term international travellers, international PMI is not just "worth it" – it is absolutely essential. It is your primary lifeline to quality healthcare when you are far from home and the NHS. In this scenario, failing to have IPMI is a significant financial and health risk.

The key is to honestly assess your lifestyle and future plans. Once you know which type of cover you need, the next step is to find a strong fit for your needs.


Do I still need to pay National Insurance if I have private medical insurance?

Yes, absolutely. Private medical insurance is a top-up to the NHS, not a replacement for it. Your National Insurance contributions fund the NHS, which you will still rely on for accident and emergency services, GP visits (unless you use a private GP service), and the treatment of chronic conditions. Having PMI does not exempt you from paying National Insurance.

Can I add my family to my private health cover?

Yes, all major insurers allow you to add your partner and dependent children to your policy. While this will increase the premium, insurers often provide a discount for family or couple plans compared to buying individual policies for everyone. It's an excellent way to ensure your whole family has access to the same level of care.

What does 'moratorium underwriting' mean?

Moratorium underwriting is a common way to set up a private medical insurance policy. With this method, you don't need to provide a full medical history upfront. Instead, the policy automatically excludes treatment for any medical condition for which you have had symptoms, medication, or advice in the 5 years before your policy starts. However, if you then complete 2 continuous years on the policy without needing treatment or advice for that condition, the exclusion may be lifted, and it could be covered in the future.

Ready to explore your options?

Whether you need UK-only or international cover, our expert team at WeCovr is here to help. Get a free, no-obligation quote today and let us compare the market to find the best private medical insurance for you.

Sources

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

Disclaimer: This is general guidance only and does not constitute formal tax or financial advice. Tax treatment depends on individual circumstances, policy terms, and HMRC interpretation, which cannot be guaranteed in advance. Whenever applicable, businesses and individuals should always consult a qualified accountant or tax adviser before arranging such policies.

Get Quote
Before you compare PMI quotes

Start with your Protection Score, then decide whether private health cover is the right fit

Check where health access sits in your overall protection picture before deciding whether to compare private health cover.

Check My Health Access GapGet PMI Help If It Fits

Spot whether NHS access risk is the real issue

See if PMI is the gap to fix first

Get health insurance help only if it makes sense for you

📚 Recommended reads

Best Private Health Insurance UK 2026

Read

Average Cost of PMI (UK)

Read

PMI Provider Reviews

Read

Get your score

Start with your protection score

Check your current position first, then get health insurance help if you need it.

1

Check your current resilience

Score your income, health access and family protection position in a few minutes.

2

See where private cover helps

Understand whether faster diagnosis and treatment is a priority gap.

3

Continue to tailored PMI help

If health access is the issue, continue to tailored PMI help.

Get My Free Protection ScoreGet Private Health Insurance Help

What you get

A quick view of your current protection position

A clearer idea of where the biggest gaps may be

A direct route to tailored help if you want it

See Plans

Related tools

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

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

Flagship guides

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

Explore insurance hubs

PMI Guides Hub
Life Insurance Guides Hub
Income Protection Guides Hub

Related guides

Axa Global vs Bupa Global vs Img Best International Private Medical
Axa Global vs Bupa Global vs Img Best International Private Medical
Read more →
Best International Private Medical Insurance for Long Term Cruise
Best International Private Medical Insurance for Long Term Cruise
Read more →
Best Short Term International Private Medical Insurance IPMI Plans in 2026
Best Short Term International Private Medical Insurance IPMI Plans in 2026
Read more →
The Ultimate Guide to Top International Private Medical Insurers for UK Expats
The Ultimate Guide to Top International Private Medical Insurers for UK Expats
Read more →
International Health Insurance vs UK Private Medical Insurance
International Health Insurance vs UK Private Medical Insurance
Read more →
International Private Medical Insurance Explained
International Private Medical Insurance Explained
Read more →

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

Our Group Is Proud To Have Issued 900,000+ Policies!

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

How It Works

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

Any questions?

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

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 a strong fit for your needs 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.

Learn more

...

Who Are WeCovr?

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

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

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