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Private Maternity Care PMI Options for Expecting Parents

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 18, 2026
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TL;DR

Navigating your healthcare options when expecting a baby is a top priority for parents-to-be. At WeCovr, an FCA-authorised private medical insurance broker that has helped arrange over 900,000 policies in the UK, we understand you want clarity and peace of mind. This guide explains how PMI can support your journey through pregnancy, childbirth, and beyond.

Key takeaways

  • Complications During Pregnancy and Childbirth: The most common form of maternity support from PMI is cover for unforeseen complications. Should something unexpected and serious occur, a policy with a maternity benefit can cover the costs of private specialist care.
  • Cash Benefits: Some insurers offer a fixed cash payment for each night you spend in an NHS hospital for childbirth, or a lump sum per baby born. This is a welcome bonus that can help with new baby expenses, rather than cover for private treatment itself.
  • Newborn Care: This is arguably one of the most valuable aspects. Many comprehensive PMI policies allow you to add your newborn baby to your plan, often without medical underwriting, within a few months of their birth. This can provide cover for eligible acute conditions they may face in their first few months.
  • Choice of Consultant: You can choose a specific obstetrician to oversee your entire pregnancy journey, from the first scan to the delivery.
  • Choice of Hospital: You can select a private hospital or the private wing of an NHS hospital, such as The Lindo Wing or The Portland Hospital, known for their hotel-like facilities.

Navigating your healthcare options when expecting a baby is a top priority for parents-to-be. At WeCovr, an FCA-authorised private medical insurance broker that has helped arrange over 900,000 policies in the UK, we understand you want clarity and peace of mind. This guide explains how PMI can support your journey through pregnancy, childbirth, and beyond.

How PMI supports pregnancy, childbirth, and newborn care

Private Medical Insurance (PMI) in the UK is primarily designed to cover the diagnosis and treatment of acute medical conditions that arise unexpectedly after your policy begins. When it comes to maternity, this principle is key.

A standard, straightforward pregnancy and birth are not considered 'acute' or 'unexpected' conditions. Therefore, they are not typically covered by a standard PMI policy.

However, specialist private health cover can provide valuable support in three main areas:

  1. Complications During Pregnancy and Childbirth: The most common form of maternity support from PMI is cover for unforeseen complications. Should something unexpected and serious occur, a policy with a maternity benefit can cover the costs of private specialist care.
  2. Cash Benefits: Some insurers offer a fixed cash payment for each night you spend in an NHS hospital for childbirth, or a lump sum per baby born. This is a welcome bonus that can help with new baby expenses, rather than cover for private treatment itself.
  3. Newborn Care: This is arguably one of the most valuable aspects. Many comprehensive PMI policies allow you to add your newborn baby to your plan, often without medical underwriting, within a few months of their birth. This can provide cover for eligible acute conditions they may face in their first few months.

Understanding this distinction is the first step to making an informed decision about your family's healthcare.

The UK's Maternity Care Landscape: NHS vs. Private

Every UK resident is entitled to comprehensive maternity care through the National Health Service (NHS), free at the point of use. The standard of care is excellent, with dedicated midwives, obstetricians, and a robust system for antenatal (before birth), perinatal (during birth), and postnatal (after birth) support.

So, why do some people consider private maternity care? The primary reasons are choice, comfort, and continuity.

  • Choice of Consultant: You can choose a specific obstetrician to oversee your entire pregnancy journey, from the first scan to the delivery.
  • Choice of Hospital: You can select a private hospital or the private wing of an NHS hospital, such as The Lindo Wing or The Portland Hospital, known for their hotel-like facilities.
  • Continuity of Care: Seeing the same consultant and small team of midwives throughout your pregnancy can be very reassuring.
  • Comfort and Privacy: Private facilities offer private rooms with en-suite bathrooms, more flexible visiting hours, and often a higher staff-to-patient ratio.

Here is a comparison to help you understand the key differences:

FeatureNHS Maternity CarePrivate Maternity Care
CostFree at the point of use.Significant cost, typically £8,000 - £25,000+.
Choice of DoctorYou will be seen by the midwives and doctors on duty.You choose your lead consultant obstetrician.
AccommodationUsually a shared postnatal ward. Private rooms are rare.Private en-suite room guaranteed.
Continuity of CareYou will see various midwives; consultant care is for high-risk cases.You see your chosen consultant for most appointments.
Scans & TestsStandard schedule of scans (e.g., 12 and 20 weeks).More frequent scans and advanced testing options are available.
Postnatal StayDischarge is often within 24-48 hours for a straightforward birth.Longer, more comfortable postnatal stays are common.
Emergency CareExcellent, with full access to neonatal intensive care (NICU).Private hospitals have emergency protocols but may transfer to NHS for complex neonatal emergencies.

While the NHS provides world-class medical care, the private route offers a different experience. The question is, can PMI help pay for it?

Does Standard Private Medical Insurance Cover Maternity Care?

This is the most critical question we get asked, and the answer requires careful explanation.

In short: no, a standard private medical insurance UK policy does not cover a routine, planned pregnancy and childbirth.

Insurers view a normal pregnancy as a foreseeable life event, not a risk of unexpected ill health. PMI is built on the principle of covering unforeseen acute conditions. Because pregnancy is planned, and childbirth is an expected outcome, it falls outside the scope of standard cover.

Furthermore, a core rule of all PMI is the exclusion of pre-existing conditions. If you take out a new policy when you are already pregnant, the pregnancy and any related conditions will be automatically excluded from cover.

Think of it like this: you cannot buy car insurance after you have had an accident and expect it to cover the repairs. Similarly, you cannot buy health insurance for a condition (in this case, pregnancy) that already exists.

Specialist Maternity PMI Add-Ons and Plans: What's Available?

While standard policies offer no cover, some of the more comprehensive, top-tier PMI plans in the UK provide options for maternity care, usually as an optional add-on that increases your premium. It's crucial to understand that even this cover is limited and is not designed to pay for a 'private birth package' in full.

There are generally three types of maternity-related benefits you might find:

1. Cover for Complications of Pregnancy and Childbirth

This is the most common and useful type of maternity benefit available through PMI. It provides a safety net for the unexpected. If your pregnancy or birth deviates from the norm and you develop a serious, acute complication, your policy may cover the costs of private treatment.

What is considered a "complication"? The insurer's policy documents will list a specific set of conditions they define as complications. These often include:

  • Pre-eclampsia: A serious condition involving high blood pressure.
  • Gestational diabetes: High blood sugar that develops during pregnancy.
  • Ectopic pregnancy: When a fertilised egg implants outside the womb.
  • Molar pregnancy: A rare complication where a non-viable fertilised egg implants.
  • Retained placenta: When the placenta is not delivered after the baby is born.
  • Emergency Caesarean Section: A C-section that is medically necessary and unplanned.
  • Postpartum haemorrhage: Excessive bleeding after childbirth.

Important Note: An elective (planned) Caesarean section is almost never covered by insurance. The cover is for emergency interventions only.

2. Maternity Cash Benefit

This is a simpler, more common benefit. Instead of covering treatment costs, the insurer provides a fixed, one-off cash payment.

  • How it works: If you have a policy with this benefit, you receive a lump sum for each baby you have. This could be, for example, £100 to £500 per child.
  • Hospital Stay Benefit: Some policies offer a cash payment for each night you spend in an NHS hospital for childbirth (e.g., £100 per night).

This benefit is a welcome financial boost that can be spent on anything you wish – from nappies to a celebratory dinner. It is not designed to fund private medical care.

3. Limited Cover for Private Birth (Very Rare)

A very small number of elite, high-cost international or corporate PMI plans might offer a financial contribution towards the cost of a routine private delivery. This is extremely uncommon in the standard UK consumer market. When it is offered, it usually comes with a high premium, a significant excess, and a cap on the benefit that is far below the total cost of a private birth package.

Benefit TypeWhat It CoversTypical ScenarioIs it Common?
Complications CoverIn-patient treatment for a specific list of serious medical complications.You develop severe pre-eclampsia and need specialist care and an emergency C-section.Available on some top-tier plans.
Cash BenefitA fixed lump sum payment per child born or per night in an NHS hospital.You have a healthy baby in an NHS hospital and receive a £250 cheque from your insurer.Fairly common on mid-to-top-tier plans.
Routine Birth CoverA contribution towards the costs of a planned private birth.Your policy contributes £3,000 towards a £20,000 private birth package.Extremely rare in the UK market.

An expert PMI broker like WeCovr can help you navigate these options. We analyse the small print of policies from across the market to identify those with meaningful maternity benefits that align with your needs and budget, all at no extra cost to you.

How to Access Maternity Cover Through PMI: Key Considerations

If you are planning a family and considering PMI for maternity support, timing is everything. You cannot simply take out a policy when you decide to try for a baby and expect immediate cover.

The Waiting Period (Moratorium)

Nearly all maternity-related benefits come with a waiting period, also known as a qualifying period or moratorium.

  • Typical Length: This is usually between 10 and 24 months.
  • What it means: You must have held the policy continuously for this length of time before you can become pregnant and be eligible to claim for maternity complications.

This rule is in place to prevent people from buying a policy only when they know they will need it. You need to plan well in advance. For a policy with a 12-month waiting period, you would need to hold the policy for a full year before conceiving to be eligible for the benefits.

Policy Tiers and Cost

Maternity benefits are a premium feature. You will not find them on basic or budget-level private health cover plans.

  • Availability: They are almost exclusively found on the most comprehensive and expensive policies offered by an insurer.
  • Cost Impact: Adding a maternity benefit will noticeably increase your monthly premium. You are paying for an enhanced level of protection.

Underwriting and Exclusions

When you apply for PMI, your medical history will be assessed (underwritten). Any pre-existing conditions will be excluded. As stated before, if you are already pregnant, it will be excluded. It's also important to be aware that even with a maternity benefit, there are exclusions. Routine check-ups, antenatal classes, and non-emergency C-sections will not be covered.

What About Newborn Care? PMI for Your Baby

While cover for pregnancy is limited, the benefits of PMI for your newborn baby can be significant. This is one of the most compelling reasons for expecting parents to consider a comprehensive policy.

Most leading PMI providers have a "newborn rule" or "newborn addition" benefit.

  • How it works: You can add your newborn baby to your PMI policy within a set timeframe after their birth (usually 90 or 120 days).
  • The Key Benefit: In many cases, the baby can be added on a "Medical History Disregarded" (MHD) or "moratorium" basis. This means that any congenital conditions or conditions diagnosed at birth may not be automatically excluded as pre-existing. This is a huge advantage. Without this benefit, any condition the baby is born with would be excluded from future cover.

What Newborn Care Can PMI Cover?

Once your baby is on your policy, PMI can cover the costs of private treatment for acute conditions that arise, such as:

  • Severe jaundice requiring phototherapy
  • Feeding difficulties requiring specialist investigation
  • Tongue-tie division (frenulotomy)
  • Treatment for infections
  • Diagnosis and treatment for hernias
  • Consultations with paediatric specialists for worrying symptoms

Having PMI gives you fast access to paediatric consultants, avoiding potential NHS waiting lists for non-urgent but worrying conditions, giving new parents invaluable peace of mind.

A Practical Guide for Expecting Parents: Wellness & Preparation

A healthy pregnancy is about more than just medical care. Your lifestyle choices play a huge role in your well-being and your baby's development. Here are some tips to support you on your journey.

Diet and Nutrition

Eating a balanced diet is crucial. Focus on whole foods rich in essential nutrients.

  • Folic Acid: Essential in early pregnancy to prevent neural tube defects. Found in leafy green vegetables, and it's recommended to take a supplement.
  • Iron: Needed to make extra blood for you and your baby. Found in lean red meat, poultry, fish, and lentils.
  • Calcium: For your baby's bones and teeth. Dairy products, fortified plant milks, and leafy greens are good sources.
  • Vitamin D: Helps with calcium absorption. The UK government recommends a daily supplement during pregnancy and breastfeeding.
  • Hydration: Drink plenty of water throughout the day.

To help manage your nutritional intake during this important time, WeCovr provides complimentary access to our partner AI-powered calorie and nutrition tracking app, CalorieHero, for all our health and life insurance clients.

Exercise and Activity

Staying active can help you manage weight gain, improve mood, and prepare your body for labour.

  • Safe options: Walking, swimming, prenatal yoga, and pilates are excellent choices.
  • Listen to your body: Avoid high-impact sports or activities with a risk of falling. Never exercise to the point of exhaustion.

Mental Wellbeing

Pregnancy is an emotional rollercoaster. It's normal to feel a mix of excitement, anxiety, and apprehension.

  • Talk about it: Share your feelings with your partner, friends, or family.
  • Rest: Prioritise sleep and rest whenever you can.
  • Seek Support: Many PMI providers offer access to mental health support lines or virtual GP services, which can be a fantastic resource for talking through worries without leaving home. Don't hesitate to speak to your midwife or GP if you are struggling.

Financial Planning

A new baby brings new financial responsibilities. Planning ahead can reduce stress.

  • Budgeting: Create a budget for one-off costs (cot, car seat, pram) and ongoing expenses (nappies, formula, clothes).
  • Review Your Finances: This is an excellent time to review other protections, like life insurance or income protection. At WeCovr, we can often provide discounts on these policies if you take out private medical insurance with us.

The Alternative: Self-Funding Private Maternity Care

Given the limitations of PMI for routine births, the vast majority of people who opt for private maternity care in the UK self-fund it. This means paying for the services directly out of pocket.

This route offers complete freedom of choice but requires a substantial budget. Costs can vary significantly based on the hospital, the consultant, and the complexity of your pregnancy.

Here is an illustrative breakdown of potential costs for a consultant-led package in London:

ServiceEstimated Cost (2025)
Initial Consultant Appointment£250 - £400
Antenatal Care Package (all scans, tests, consultations)£7,000 - £10,000
Consultant's Delivery Fee£5,000 - £8,000
Hospital Fees (2-night stay for normal delivery)£6,000 - £9,000
Anaesthetist's Fee (for epidural)£1,000 - £1,500
Blood Tests & Sundries£500 - £1,000
**Total Estimated Cost£19,750 - £29,900+

Disclaimer: These are estimates. Prices should be confirmed directly with hospitals and consultants.

Midwife-led private packages are a more affordable option, often costing between £8,000 and £15,000, but they still represent a major financial commitment. (illustrative estimate)

Making the Right Choice: Is Maternity PMI Worth It?

So, should you invest in a comprehensive PMI policy with a maternity benefit? The answer depends on your priorities and financial situation.

A PMI policy with maternity benefits might be a good choice if:

  • You are planning a family in the future and can serve the waiting period (1-2 years).
  • Your main concern is having a financial safety net for serious, unforeseen complications.
  • You highly value the ability to add your newborn to your policy on favourable terms, gaining fast access to private paediatric care.
  • You want a comprehensive health insurance policy for other reasons and see the maternity cash benefit as a nice extra.

It may not be the right choice if:

  • You are already pregnant (it's too late to get cover).
  • Your primary goal is to have the full cost of a routine private birth paid for (PMI won't do this).
  • The high premium for a top-tier policy is outside your budget.

For many, the most valuable part of PMI in the context of starting a family isn't the maternity benefit itself, but the peace of mind that comes from the newborn cover and the broader access to fast diagnostics and treatment for the whole family.

Navigating the complexities of private medical insurance UK is what we do best. The expert team at WeCovr can provide clear, impartial advice to help you weigh the pros and cons, ensuring you find the best PMI provider for your unique circumstances.


Does private health insurance cover a normal, routine pregnancy in the UK?

Generally, no. Standard private medical insurance (PMI) policies in the UK do not cover routine pregnancy and childbirth. This is because PMI is designed for acute, unforeseen conditions, whereas a normal pregnancy is a planned life event. Some comprehensive, top-tier policies offer add-ons that may provide a cash benefit or cover for specific, serious complications, but not the full cost of a private birth.

Can I get maternity insurance if I am already pregnant?

No. If you are already pregnant when you apply for private health cover, the pregnancy will be considered a pre-existing condition and will be excluded from cover. Furthermore, any maternity benefits that are available on PMI policies come with a waiting period, typically between 10 and 24 months, meaning you must have the policy for that duration before conceiving to be eligible for the benefits.

Is my newborn baby automatically covered by my PMI policy?

Your newborn is not automatically covered, but most comprehensive UK PMI policies have a "newborn addition" rule. This allows you to add your baby to your policy within a set timeframe after birth (usually 90-120 days), often without the baby needing medical underwriting. This is a major benefit as it can provide immediate cover for eligible acute conditions, even those diagnosed at birth. You must actively contact your insurer to add them.

What is the main benefit of having a PMI policy during pregnancy?

For expecting parents, the two main benefits of a comprehensive PMI policy are peace of mind. Firstly, for policies with a maternity add-on, it provides a crucial financial safety net against the high costs of treating serious, unexpected pregnancy or childbirth complications. Secondly, and perhaps more importantly for many, it's the ability to add your newborn to the policy on favourable terms, securing them fast access to private paediatric specialists for any eligible health concerns after they are born.

Ready to explore your options and secure peace of mind for your growing family? Contact WeCovr today for a free, no-obligation quote and let our experts find the right private health cover 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.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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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!

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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.

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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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