Private Medical Insurance FAQs 50 Most Common Questions Answered

Navigating the world of private medical insurance in the UK can feel complex. That's why the experts at WeCovr, an FCA-authorised broker that has helped arrange over 800,000 policies of various kinds, have created this definitive guide to answer all your questions about private health cover.

Comprehensive FAQ covering eligibility, costs, claims, coverage, switching, cancellation, and every common query about private health insurance

Private Medical Insurance (PMI) offers a valuable alternative and supplement to NHS care, providing faster access to specialists, diagnosis, and treatment for acute medical conditions. But how does it work? Is it right for you? And what do you need to know before you buy?

This guide answers the 50 most common questions we hear every day.

Part 1: The Fundamentals of PMI

Let's start with the basics. What is private health insurance, and how does it fit into the UK's healthcare landscape?

1. What is Private Medical Insurance (PMI)?

Private Medical Insurance, often called private health insurance, is a policy you buy to cover the cost of private healthcare for specific medical conditions. Its primary purpose is to diagnose and treat acute conditions—illnesses or injuries that are curable and likely to respond quickly to treatment.

2. How does PMI work alongside the NHS?

PMI and the NHS work in partnership. PMI is not designed to replace the NHS. You will still rely on the NHS for accident and emergency services, GP appointments (unless your policy includes a private GP service), and the management of long-term chronic conditions. Where PMI excels is in bypassing NHS waiting lists for non-urgent consultations, diagnostic scans, and eligible surgical procedures.

3. Why should I consider buying private health insurance?

People in the UK choose PMI for several key reasons:

Speed of Access: Avoid long NHS waiting lists for specialist appointments and treatments. According to NHS England data, the median waiting time for consultant-led elective care was 14.5 weeks as of mid-2024.
Choice: You can often choose your specialist, consultant, and the hospital where you receive treatment from a list provided by your insurer.
Comfort and Privacy: Private hospitals typically offer private en-suite rooms, more flexible visiting hours, and a quieter environment.
Access to Specialist Drugs: Some policies provide access to drugs or treatments not yet available on the NHS due to funding decisions.

4. What's the difference between private health insurance and a health cash plan?

They are very different products:

Private Health Insurance (PMI): Covers the cost of significant medical treatments for acute conditions, such as surgery, specialist consultations, and cancer care. It's for unexpected, curable health issues.
Health Cash Plan: Helps you budget for everyday healthcare costs. You pay a monthly premium and can then claim back money for routine appointments like dental check-ups, eye tests, physiotherapy, and prescriptions, up to an annual limit.

5. Is PMI the same as critical illness cover?

No. PMI pays for the treatment of eligible medical conditions. Critical Illness Cover pays out a one-off, tax-free lump sum if you are diagnosed with a specific, serious illness defined in your policy (e.g., a heart attack, stroke, or certain types of cancer). You can spend the lump sum on anything you wish, from adapting your home to covering lost income.

6. Who are the main PMI providers in the UK?

The UK market is dominated by a few major players, each with different strengths and policy options. The main providers include:

Bupa
AXA Health
Aviva
Vitality
WPA (Western Provident Association)

7. What is an insurance broker and why should I use one?

An insurance broker is an independent expert who can compare policies from multiple insurers to find the one that best suits your needs and budget. Unlike going direct to an insurer, who can only sell their own products, a broker offers impartial advice across the market.

8. What are the main benefits of using a broker like WeCovr?

Using an FCA-authorised PMI broker like WeCovr has significant advantages:

Expert Advice: We understand the complex details of every policy.
Market Comparison: We compare quotes from leading UK providers to find you the best value.
No Extra Cost: Our service is free to you; we are paid a commission by the insurer you choose.
Personalised Service: We help tailor your policy to cover what matters most to you, ensuring you don't pay for benefits you don't need.
High Customer Satisfaction: We pride ourselves on clear, honest advice that puts our clients first.

Part 2: Understanding Your Coverage

Knowing what is and isn't covered is the most critical part of choosing a policy.

9. What does private medical insurance typically cover?

Most standard PMI policies cover the costs associated with treating acute conditions that arise after you take out the policy. This usually includes:

Inpatient and day-patient treatment: Hospital fees, surgeon and anaesthetist fees, and specialist consultations while you are admitted to hospital.
Diagnostic tests: MRI scans, CT scans, and X-rays.
Outpatient consultations: Seeing a specialist without being admitted to hospital (this may have annual limits).
Cancer cover: This is often a core part of a policy, covering diagnosis and treatment such as chemotherapy, radiotherapy, and surgery.

10. What is an 'acute' condition?

This is a fundamental concept in PMI. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include a hernia, cataracts, joint pain requiring a replacement, or appendicitis. PMI is designed for these conditions.

11. What is a 'chronic' condition?

A chronic condition is a health problem that is long-lasting, has no known cure, and needs ongoing management rather than a one-off fix. Examples include diabetes, asthma, high blood pressure, and arthritis. Standard UK private medical insurance does not cover the routine management of chronic conditions.

12. Does PMI cover pre-existing conditions?

This is a critical point: No, standard PMI policies do not cover pre-existing conditions. A pre-existing condition is any illness, disease, or injury for which you have had symptoms, medication, advice, or treatment before your policy starts. How insurers handle this depends on the type of underwriting you choose (see questions 33 and 34).

13. What's the difference between inpatient and outpatient cover?

Inpatient: You are admitted to a hospital and stay overnight. All core PMI policies cover this.
Outpatient: You attend a hospital or clinic for a consultation or test but do not stay overnight. This is often an optional add-on or has a financial limit. A more comprehensive outpatient limit will increase your premium.

14. What is 'day-patient' treatment?

This is when you are admitted to a hospital for a procedure and occupy a bed but are discharged on the same day. An example would be a cataract operation or minor keyhole surgery. This is typically covered as standard, just like inpatient treatment.

15. Does PMI cover cancer treatment?

Yes, cancer cover is a cornerstone of most comprehensive PMI policies. It typically covers diagnosis, surgery, and treatments like chemotherapy, radiotherapy, and biological therapies. The level of cover can vary, so it's vital to check the details. Some policies may offer access to experimental drugs not available on the NHS.

16. Does PMI cover mental health conditions?

Coverage for mental health is becoming more common but varies significantly. Basic policies may offer no cover, while more comprehensive plans might cover a limited number of psychiatric or therapy sessions as an outpatient. Some top-tier plans offer more extensive inpatient and outpatient support for conditions like anxiety and depression.

17. Does PMI cover dental and optical care?

Routine dental check-ups, fillings, and eye tests are generally not covered by standard PMI. They are more suited to a health cash plan. However, major surgical dental work (e.g., removal of an impacted wisdom tooth in hospital) may be covered by some policies.

18. Are diagnostic tests like MRI and CT scans covered?

Yes, diagnostic tests are a core benefit of PMI. They are key to getting a swift diagnosis. Cover is usually included for both inpatient and outpatient settings, though outpatient cover may have a financial limit.

19. Does PMI cover physiotherapy and other therapies?

Most policies offer some cover for therapies like physiotherapy, osteopathy, and chiropractic treatment. This is usually available after a GP or specialist referral and is often limited to a set number of sessions or a financial cap per year.

20. What is generally not covered by PMI?

Besides pre-existing and chronic conditions, common exclusions include:

Accident & Emergency treatment
Cosmetic surgery (unless medically necessary for reconstruction)
Fertility treatments (IVF)
Normal pregnancy and childbirth
Drug and alcohol abuse treatment
Mobility aids and prosthetics (unless specified)
Self-inflicted injuries

Part 3: Costs, Premiums, and Savings

How much does PMI cost, and what can you do to manage the price?

21. How much does private medical insurance cost in the UK?

The cost varies hugely. A basic policy for a young, healthy individual could be as little as £30-£40 per month. A comprehensive policy for someone in their 50s or 60s could be £150 per month or more.

Here is an illustrative table of potential monthly costs:

Age	Basic Cover (High Excess)	Comprehensive Cover (Low Excess)
30	£35 - £50	£70 - £100
45	£55 - £80	£110 - £160
60	£100 - £150	£200 - £300+

Note: These are estimates only. Your actual quote will depend on your specific circumstances.

22. What factors determine the cost of my premium?

Several key factors influence your premium:

Age: The older you are, the higher the premium.
Location: Treatment costs vary across the UK, with central London being the most expensive.
Level of Cover: More comprehensive cover (e.g., high outpatient limits, mental health) costs more.
Excess: A higher excess reduces your premium.
Hospital List: A wider choice of hospitals, especially expensive London ones, increases the cost.
Medical History & Smoker Status: Your personal health history can impact the price. Smokers pay more.

23. What is an 'excess' on a PMI policy?

An excess is the amount you agree to pay towards the cost of a claim. For example, if your excess is £250 and your treatment costs £3,000, you pay the first £250 and your insurer pays the remaining £2,750. The excess is usually payable once per policy year, per person.

24. How does choosing a higher excess affect my premium?

Opting for a higher excess is one of the most effective ways to lower your monthly premium. By agreeing to contribute more towards a claim, you reduce the insurer's financial risk, and they pass this saving on to you. Excess options typically range from £0 to £1,000.

25. What is a 'co-payment'?

A co-payment is different from an excess. It's a percentage of each claim that you agree to pay. For example, a 10% co-payment on a £5,000 claim would mean you pay £500. This is less common than a standard excess but is another way to manage premiums.

26. What is a 'hospital list' and how does it affect cost?

Insurers group UK private hospitals into bands or lists based on their costs. A basic policy might give you access to a local list of hospitals. A more expensive policy will include national hospitals and, at the top end, premium central London hospitals. Restricting your hospital list is a good way to save money if you don't live near London.

27. What is the 'six-week option' and can it save me money?

The 'six-week option' is a popular way to reduce your premium. If you add this to your policy, it means that if the NHS can provide the inpatient treatment you need within six weeks of it being recommended, you will use the NHS. If the NHS wait is longer than six weeks, your private cover kicks in. This effectively makes your PMI a safeguard against long NHS waits.

28. Are there any ways to get discounts on my PMI?

Yes. Besides choosing a higher excess or a reduced hospital list, you can get discounts by adding a partner or family to your policy. Furthermore, at WeCovr, if you purchase a PMI or Life Insurance policy, we offer discounts on other types of cover you might need, such as home or travel insurance.

29. Do premiums increase every year?

Yes, you should expect your premium to rise at renewal each year. This is due to two main factors:

Age: You will be a year older, which moves you into a higher risk bracket.
Medical Inflation: The cost of medical technology, drugs, and hospital fees rises faster than general inflation. This rate is often between 5% and 10% per year.

30. Can I pay for my PMI monthly or annually?

Yes, insurers offer both options. Paying annually is often slightly cheaper, as some insurers charge a small fee for spreading the cost monthly.

Part 4: Getting a Policy & Underwriting

Underwriting is how an insurer assesses your medical history to decide the terms of your policy.

31. How do I apply for private medical insurance?

The easiest way is to use a broker. They will ask you about your needs, budget, and medical history, then gather quotes on your behalf and explain the options. The alternative is to approach each insurer directly, which is more time-consuming.

32. What is 'underwriting'?

Underwriting is the process an insurer uses to determine what it will and will not cover, based on your medical history. For PMI, it's primarily focused on identifying any pre-existing conditions that will need to be excluded.

33. What is 'Moratorium' (MORI) underwriting?

This is the most common type of underwriting. You don't have to declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms, treatment, or advice for in the last 5 years.

However, if you then go for a set period (usually 2 years) without any further symptoms, treatment, or advice for that condition after your policy has started, the exclusion may be lifted, and it could be covered in the future.

34. What is 'Full Medical Underwriting' (FMU)?

With FMU, you complete a detailed health questionnaire when you apply, declaring your full medical history. The insurer then assesses this and tells you exactly what is excluded from day one. These exclusions are usually permanent. The benefit is certainty—you know precisely where you stand from the start.

35. Which type of underwriting is right for me?

Moratorium is quicker and less intrusive. It's a good choice if you have a clean bill of health or can't remember all the details of your medical history.
Full Medical Underwriting is better if you have had past health issues and want certainty about what is covered before you buy. It can sometimes lead to better terms if the condition was minor.

An expert broker can help you decide which is more suitable for you.

36. Do I need a medical exam to get PMI?

No, you almost never need to have a medical examination to take out a private health insurance policy in the UK. The underwriting is based on the information you provide on your application form.

Part 5: Making a Claim

You have a policy and need to use it. What's the process?

37. How do I make a claim on my health insurance?

The process is straightforward:

Visit your GP: You experience a symptom and see your NHS GP (or a private GP if your policy includes it).
Get a Referral: Your GP suspects an issue that needs further investigation and gives you an 'open referral' to a specialist.
Contact Your Insurer: You call your insurer's claims line with your referral details.
Get Pre-authorisation: The insurer checks your cover, confirms the condition is eligible for a claim, and provides you with a pre-authorisation number. They will also give you a list of approved specialists and hospitals.
Book Your Appointment: You book your consultation or treatment with the authorised specialist. Your insurer usually settles the bill directly with the hospital.

38. Do I always need a GP referral to use my PMI?

Generally, yes. A GP referral is the standard pathway to start a claim. It ensures that the use of specialist care is medically appropriate. Some modern policies offer 'self-referral' for certain conditions like physiotherapy or mental health support, and many now include a virtual GP service you can use for a referral.

39. What is 'pre-authorisation'?

Pre-authorisation is the most important step in the claims process. It is your insurer's official confirmation that your proposed consultation or treatment is covered under your policy. Never proceed with any private treatment without getting pre-authorisation first, or you risk having to pay the bill yourself.

40. Can my insurer refuse a claim?

Yes, an insurer can refuse a claim if:

The condition is a policy exclusion (e.g., a chronic or pre-existing condition).
You haven't obtained pre-authorisation.
You have reached the financial or session limit for that benefit on your policy.
You failed to disclose relevant information when you took out the policy.

41. What happens if my treatment costs more than my policy limit?

If your policy has an annual financial limit on a particular benefit (e.g., £1,000 for outpatient cover) and your treatment costs exceed this, you will be responsible for paying the difference. This is why it's important to choose your cover levels carefully.

Part 6: Managing, Switching, and Cancelling Your Policy

Your policy is not set in stone. Here's how to manage it over time.

42. Can I add my partner or children to my policy?

Yes, you can usually add close family members to your policy, either when you first take it out or at your annual renewal. This often results in a small discount compared to buying separate individual policies.

43. Can I switch my private medical insurance provider?

Yes, you are free to switch providers at your renewal date, especially if you receive a large premium increase. A broker can help you compare the market to see if you can get a better deal elsewhere.

44. What happens to my underwriting if I switch?

When switching, it's crucial to protect the cover you've already built up. You can do this by switching on a 'Continued Medical Exclusions' (CME) or 'Continued Personal Medical Exclusions' (CPME) basis. This means your new insurer agrees to match the underwriting terms of your old policy, so you won't have to start a new moratorium period for conditions that were already covered.

45. How do I cancel my private health insurance policy?

You can cancel your policy at any time by contacting your insurer. If you cancel mid-term and have not made a claim, you may be entitled to a pro-rata refund. If you have claimed, you will likely have to pay the full year's premium.

46. Is there a 'cooling-off' period?

Yes. By law, you have a 14-day cooling-off period from the date you receive your policy documents. If you change your mind within this time, you can cancel and receive a full refund, provided you have not made a claim.

47. What should I do if my circumstances change (e.g., move house, change job)?

You should inform your insurer or broker of any significant life changes. Moving house could affect your premium if you move to a more or less expensive area for healthcare. Changing jobs is important if you are moving to or from a role that includes company health insurance.

Part 7: Company Policies & Other Questions

Finally, let's look at employer-provided PMI and the extra perks that come with modern policies.

48. What is company private medical insurance?

This is a group policy taken out by an employer for its staff. It's a highly valued employee benefit that can help with recruitment and retention. Cover can be offered to all staff or just to certain management levels.

49. Is company health insurance a taxable benefit-in-kind?

Yes. If your employer pays the premium for your private health cover, HMRC considers this a 'benefit-in-kind'. This means you will have to pay income tax on the value of the premium. Your employer will report this to HMRC on a P11D form.

50. What extra wellness benefits come with modern PMI policies?

Insurers are increasingly focused on prevention and wellbeing. Many policies now include a range of valuable perks at no extra cost, such as:

Virtual GP services: 24/7 access to a GP via phone or video call.
Health and wellness apps: Tools to help you track fitness, nutrition, and mental wellbeing.
Discounts: Money off gym memberships, fitness trackers, and healthy food.
Second opinion services: Access to a world-leading expert to review your diagnosis.

As a WeCovr client, you also get complimentary access to our AI-powered nutrition app, CalorieHero, to help you stay on top of your health goals.

Does private medical insurance cover pre-existing conditions in the UK?

No, standard private medical insurance (PMI) in the UK does not cover pre-existing conditions. These are any illnesses or injuries for which you have experienced symptoms or received advice, medication, or treatment before your policy began. The primary purpose of PMI is to cover new, acute conditions that arise after you join.

What is the main difference between an acute and a chronic condition for health insurance?

An acute condition is a curable illness or injury that responds quickly to treatment, such as a hernia or a bone fracture. Private health insurance is designed to cover these. A chronic condition is a long-term illness with no known cure that requires ongoing management, like diabetes or asthma. The routine management of chronic conditions is not covered by standard PMI.

How can I lower the cost of my private medical insurance?

You can lower your premium in several ways:

Choose a higher excess: Agreeing to pay more towards a claim reduces your premium.
Select the 'six-week option': You use the NHS if treatment is available within six weeks.
Restrict your hospital list: Opting for a list of local hospitals instead of expensive national ones will save you money.
Reduce your outpatient cover limit: A lower limit on outpatient consultations and tests will reduce the cost.

An expert broker can help you find the right balance between cost and coverage.

Ready to Find the Right Cover?

Feeling more confident about private medical insurance? The next step is to find a policy that fits you perfectly.

At WeCovr, our expert advisors provide free, impartial advice to help you compare the UK's leading insurers. We'll demystify the options and tailor a policy to your exact needs and budget.

[Get Your Free, No-Obligation PMI Quote Today]

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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.

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Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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