WeCovr.

Login

Private Medical Insurance Claims Surge in Last Two Years

Private Medical Insurance Claims Surge in Last Two Years

As an FCA-authorised expert with over 900,000 policies issued, WeCovr has analysed the latest trends in the UK private medical insurance market. The data is clear: claims are surging as more people turn to private healthcare for prompt diagnosis and treatment, navigating a healthcare landscape under immense pressure.

Study of claims data showing increased PMI utilisation, types of treatments covered, and implications for premiums and product design

The last two years have marked a watershed moment for private medical insurance (PMI) in the United Kingdom. A combination of unprecedented strain on the NHS, growing health awareness post-pandemic, and a desire for faster access to care has fuelled a dramatic increase in the number of people both buying and using private health cover.

Analysis of claims data from across the industry reveals a clear and sustained trend: PMI utilisation is at an all-time high. According to the Association of British Insurers (ABI), health insurance providers paid out £7.7 million every day in 2023 to support the health of their members, funding vital treatments and diagnostics. This represents a significant uptick in claims volume compared to pre-pandemic levels, demonstrating that policyholders are not just holding policies for peace of mind—they are actively using them to bypass long waits and access the care they need, when they need it.

This surge has profound implications, not just for policyholders' wallets but also for the very design of the insurance products themselves.

What's Driving the Surge in PMI Claims?

Several powerful factors are converging to drive this unprecedented demand for private healthcare. Understanding these drivers is key to grasping the current state of the UK health insurance market.

1. Record NHS Waiting Lists

The single most significant driver is the immense pressure on the National Health Service. As of mid-2025, the number of treatments on the NHS waiting list in England remains stubbornly high, hovering around 7.5 million. This figure represents individual treatments, not unique patients, but it paints a stark picture of the delays people face.

  • Elective Surgery: Patients waiting for routine but life-impacting procedures like hip replacements, knee surgery, and hernia repairs face average waits that can stretch for many months, and in some cases, over a year.
  • Diagnostics: The wait for crucial diagnostic tests such as MRI scans, CT scans, and endoscopies—essential for a quick and accurate diagnosis—can also be extensive.

For many, waiting in pain or with uncertainty is not a viable option. Private medical insurance offers a direct route to bypass these queues, often reducing the wait for a consultation or scan from months to mere days or weeks.

2. Increased Health Awareness and Post-Pandemic Backlog

The COVID-19 pandemic fundamentally shifted our collective attitude towards health. There is a heightened awareness of vulnerability and a greater proactivity in seeking medical advice. This has led to:

  • Addressing Delayed Care: Many people postponed seeking help for non-urgent issues during the pandemic. Now, those issues have become more pressing, contributing to the backlog.
  • Mental Health Focus: The pandemic shone a harsh light on the importance of mental wellbeing. This has translated into a sharp rise in individuals seeking support for conditions like anxiety, depression, and stress, with many turning to the comprehensive mental health cover offered by PMI policies.

3. An Ageing and Evolving Population

UK demographics are shifting. The Office for National Statistics (ONS) projects that by 2030, roughly one in five people in the UK will be aged 65 or over. An older population naturally has more complex health needs, leading to greater demand for treatments like joint replacements, cataract surgery, and cardiac care—all areas where PMI excels.

4. The Rise of Employee Health Benefits

In a competitive job market, employers are increasingly using private medical insurance as a core part of their benefits package to attract and retain top talent. Offering health cover demonstrates a commitment to employee welfare and provides a tangible benefit that reduces absenteeism by ensuring staff get treated faster. The growth in these corporate schemes has significantly expanded the pool of insured individuals, naturally leading to a higher volume of claims.

Which Treatments Are Seeing the Highest Claims?

The claims data reveals specific areas of healthcare where PMI is having the most significant impact. These are typically specialties with long NHS waiting lists or where private care offers access to newer technologies and faster diagnostic pathways.

Treatment CategoryCommon ProceduresWhy People Claim
OrthopaedicsHip replacement, knee replacement, arthroscopy, spinal surgeryTo avoid long, painful waits for surgery that impacts mobility and quality of life.
Oncology (Cancer)Chemotherapy, radiotherapy, targeted therapies, surgeryFast-track diagnosis, access to drugs not yet on the NHS, choice of specialist.
DiagnosticsMRI, CT, PET scans, ultrasound, endoscopy, colonoscopyTo get a swift and accurate diagnosis, often within days, to enable treatment to start.
Mental HealthCounselling, psychotherapy (CBT), psychiatric consultationsTo bypass long waits for NHS mental health services (IAPT/Talking Therapies).
GastroenterologyHernia repair, gallbladder removal, investigation of digestive issuesTo resolve painful and uncomfortable conditions without a protracted wait.
CardiologyAngiography, pacemaker insertion, consultations for heart conditionsRapid access to specialist assessment and intervention for peace of mind and health.

A real-life example: Imagine Sarah, a 45-year-old marketing manager, is suffering from severe knee pain. Her GP suspects a torn meniscus and refers her for an NHS MRI scan, with an estimated wait of 12 weeks, followed by a further wait of many months for surgery if needed. Unable to walk without pain, she uses her company PMI. She sees a specialist within a week, has an MRI two days later, and is booked for keyhole surgery the following week. This is the tangible benefit driving the claims surge.

The Crucial Distinction: Acute vs. Chronic Conditions

This is the most important concept to understand about private medical insurance in the UK. Failure to grasp this distinction is the source of most customer confusion.

Standard UK PMI is designed to cover acute conditions that arise after you take out your policy.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of conditions like appendicitis, a broken leg, a cataract, or a hernia. The treatment has a clear beginning and end.
  • Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, it has no known cure, it is likely to recur, or it requires ongoing management. Examples include diabetes, asthma, high blood pressure, and arthritis.

PMI does not cover the routine management of chronic conditions. It may cover the initial diagnosis of a chronic condition, but the day-to-day monitoring, check-ups, and medication would then fall back to the NHS.

Equally important are pre-existing conditions. These are any illnesses or injuries you had, or sought advice for, before your policy began. These are almost always excluded from cover. Insurers do this using two main methods:

  1. Full Medical Underwriting: You declare your full medical history upfront, and the insurer explicitly lists any conditions that will be excluded.
  2. Moratorium Underwriting: You don't declare your history, but the policy automatically excludes any condition you've had symptoms of, or sought treatment for, in the five years before joining. However, if you then go two full years on the policy without any symptoms, medication, or advice for that condition, it may become eligible for cover.

What Does This Mean for Your PMI Premiums?

The inescapable consequence of more people claiming more often for more expensive treatments is that premiums are rising. Just like in car insurance, a higher number of claims across the board puts upward pressure on prices for everyone.

This is compounded by medical inflation, which consistently outpaces general inflation (the Consumer Price Index). Medical inflation is driven by:

  • The high cost of new drugs and medical technologies.
  • Increased energy and staffing costs for private hospitals.
  • A growing demand for a finite number of specialists.

For 2025, many policyholders can expect to see their renewal premiums increase by a noticeable margin, reflecting these market-wide trends, in addition to any age-related increases or claims made on their policy.

Key Factors Influencing Your Premium

FactorImpact on PremiumHow to Manage It
AgeIncreases significantly as you get older.Cannot be changed, but locking in a policy when younger is cheaper.
LocationMore expensive in major cities like London.Cannot be changed, but be aware of the impact.
Level of CoverComprehensive plans are more expensive.Choose a modular plan and only pay for what you need.
ExcessA higher excess lowers your premium.Select an excess you are comfortable paying (£250-£500 is common).
Hospital ListA limited list of hospitals is cheaper.Check if your local private hospital is on the insurer's guided network.
Claims HistoryMaking a claim can reduce your No-Claims Discount.Consider if it's worth claiming for smaller expenses.

Navigating these rising costs can be challenging. This is where an expert PMI broker like WeCovr becomes invaluable. We can compare the entire market to find a policy that provides the right cover without breaking the bank.

How Are Insurers Responding? Innovations in Product Design

Insurers are not just raising prices; they are also innovating to keep policies affordable and relevant. The modern PMI policy is far more flexible and customisable than its predecessors.

  • Guided Pathways: Many insurers now offer "guided" or "expert-selected" consultant options. Instead of choosing any specialist, the insurer provides a shortlist of approved specialists known for high-quality, cost-effective care. This helps control costs and typically comes with a premium discount.
  • The Six-Week Wait Option: This is an increasingly popular cost-saving measure. With this clause, your policy will only pay for in-patient treatment if the NHS waiting list for that specific procedure is longer than six weeks. If the NHS can treat you within six weeks, you use the NHS. It's a pragmatic compromise that can significantly reduce your premium.
  • Digital Health Integration: This is a major area of growth. Insurers are transforming from simple payers of claims into proactive health partners. Policies now routinely include:
    • 24/7 Virtual GP services: Speak to a GP via phone or video call, often within hours.
    • Mental health support apps: Access to digital CBT, mindfulness resources, and counselling sessions.
    • Wellness programmes and discounts: Incentives for gym memberships, fitness trackers, and healthy food to encourage a healthier lifestyle and prevent future claims.

At WeCovr, we go a step further by providing our PMI and Life Insurance clients with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, helping you stay on top of your health goals.

  • Modular "Build-Your-Own" Policies: The one-size-fits-all approach is gone. You can now start with a core policy covering essential in-patient care and then add modules like out-patient cover, mental health, or dental and optical benefits, tailoring the plan to your precise needs and budget.

Proactive Steps to Manage Your Health and Your Policy

In this changing landscape, being proactive is your best strategy. This applies to both your physical health and your financial planning.

Tips for Better Health

Preventing illness is always better than treating it. Small, consistent lifestyle changes can have a huge impact on your long-term health and reduce your reliance on medical services.

  1. A Balanced Diet: Focus on whole foods—fruits, vegetables, lean proteins, and whole grains. A healthy diet can lower your risk of heart disease, type 2 diabetes, and certain cancers.
  2. Regular Physical Activity: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This could be brisk walking, cycling, swimming, or dancing. It's crucial for cardiovascular health, weight management, and mental wellbeing.
  3. Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. Sleep is essential for physical repair, memory consolidation, and emotional regulation.
  4. Manage Stress: Chronic stress can wreak havoc on your body. Utilise the mental health resources in your PMI policy, practise mindfulness, or simply make time for hobbies you enjoy.

Tips for Managing Your PMI Policy

  1. Review Your Cover Annually: Don't just let your policy auto-renew. Your needs may have changed, and new, more competitive products may be available. A quick review could save you hundreds of pounds.
  2. Use an Independent Broker: An expert broker like WeCovr works for you, not the insurer. We compare policies from all the leading UK providers to find the best value. Our service is free to you, and we handle all the paperwork.
  3. Understand Your Policy Details: Before you need to claim, read your policy documents. Know your excess, your hospital list, and what is and isn't covered.
  4. Leverage Added Benefits: Make full use of the virtual GP, wellness apps, and health discounts included with your policy. They provide excellent value and can help you stay healthy.
  5. Bundle Your Insurance: When you purchase PMI or Life Insurance through WeCovr, you can often get discounts on other types of cover, such as home or travel insurance, providing even greater value.

WeCovr: Your Expert Guide in the UK PMI Market

The world of private medical insurance can seem complex, especially with the market evolving so rapidly. At WeCovr, our mission is to bring clarity and value to our clients. As an FCA-authorised broker with extensive experience and high customer satisfaction ratings, we provide impartial, expert advice tailored to you.

We don't just sell policies; we build relationships. We take the time to understand your health needs, your budget, and your priorities. Then, we search the market—from major names like Bupa and AXA to specialist providers—to find the perfect match. Our service costs you nothing, but our expertise can save you time, money, and stress.

Does private health insurance cover pre-existing conditions?

Generally, no. Standard UK private medical insurance is designed to cover new, acute conditions that arise after your policy starts. Pre-existing conditions—any illness or injury you had symptoms of or treatment for before joining—are typically excluded. Some policies with 'moratorium' underwriting may cover a pre-existing condition if you remain symptom-free for a continuous two-year period after your policy begins.

How much does private medical insurance cost in the UK?

The cost of UK PMI varies widely based on several factors. A basic policy for a young, healthy individual might start from £30-£40 per month, while a comprehensive policy for an older person in London could be over £150 per month. Key factors influencing the price include your age, location, the level of cover chosen (e.g., out-patient limits), your policy excess, and the hospital list you choose.

Will making a claim increase my premium?

Making a claim will likely affect your premium at renewal. Most PMI policies feature a No-Claims Discount (NCD), similar to car insurance. When you make a claim, your NCD level is typically reduced, which leads to a higher premium the following year. Your premium can also increase due to age and general medical inflation across the market.

Can I get a discount on my PMI premium?

Yes, there are several ways to lower your premium. You can opt for a higher excess (the amount you pay towards a claim), choose a 'six-week wait' option where the policy only pays if the NHS wait is over six weeks, or select a more restricted hospital list. Using an independent broker like WeCovr also ensures you are seeing the most competitive prices from across the entire market.

The surge in PMI claims is a direct response to the pressures on our healthcare system. If you're considering how private health cover could benefit you, or if you want to ensure your current policy still offers the best value, don't navigate the market alone.

Get your free, no-obligation private medical insurance quote from WeCovr today and let our experts find the right cover for you.

Related guides

How Pre-Authorisation Works for Private Medical Insurance Claims
How Pre-Authorisation Works for Private Medical Insurance Claims
Read more →
Private Medical Insurance and Telehealth What to Expect in the Next 5 Years
Private Medical Insurance and Telehealth What to Expect in the Next 5 Years
Read more →
Record Employer Demand Drives Surge in Private Medical Insurance Uptake
Record Employer Demand Drives Surge in Private Medical Insurance Uptake
Read more →
UK Health Insurance: Medical History & Claims
UK Health Insurance: Medical History & Claims
Read more →
UK Private Health Insurance Medical History Disclosure – Your Claims Foundation
UK Private Health Insurance Medical History Disclosure – Your Claims Foundation
Read more →
Self-Pay Declines as PMI Claims Surge in Q1 2026
Self-Pay Declines as PMI Claims Surge in Q1 2026
Read more →
Get A Free Quote

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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 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.

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!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2026 WeCovr. Made with in London