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Private Medical Insurance UK Explained 2026 Buyers Guide

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
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TL;DR

A complete overview of PMI in the UK — how it works, what it covers, and what to look for when buying Navigating the world of private medical insurance in the UK can feel overwhelming. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we believe everyone deserves clear, straightforward information to make informed decisions about their health. This guide provides a comprehensive look at UK private health cover for 2026, demystifying the jargon and empowering you to choose the right path for you and your family.

Key takeaways

  • Emergency services: For A&E visits, you will always use the NHS.
  • Chronic conditions: Long-term illnesses like diabetes or asthma that require ongoing management are handled by the NHS.
  • GP visits: While some policies offer access to a private digital GP, your NHS GP remains your primary point of contact.
  • Speed of Access: Significantly reduce the waiting time for specialist consultations, diagnostic tests (like MRI and CT scans), and elective surgery.
  • Choice and Control: You can often choose your specialist or surgeon and select a hospital from your insurer's approved list.

A complete overview of PMI in the UK — how it works, what it covers, and what to look for when buying

Navigating the world of private medical insurance in the UK can feel overwhelming. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we believe everyone deserves clear, straightforward information to make informed decisions about their health. This guide provides a comprehensive look at UK private health cover for 2026, demystifying the jargon and empowering you to choose the right path for you and your family.

Whether you're concerned about NHS waiting times, seeking more choice in your treatment, or simply exploring your options, you've come to the right place. Let's dive in.

What is Private Medical Insurance (PMI)?

Private Medical Insurance, often called PMI or private health insurance, is a policy you buy to cover the costs of private healthcare for specific conditions. It works alongside the NHS, not as a replacement for it.

Think of it as a way to bypass waiting lists and gain more control over your medical care. If you develop an eligible medical condition after taking out your policy, PMI is designed to get you diagnosed and treated quickly, often in a comfortable, private setting.

The core purpose of PMI is to cover the cost of treating acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.

The NHS vs. Private Healthcare: A Partnership

It’s crucial to understand that PMI complements the fantastic work of our National Health Service. You will always need the NHS. PMI does not typically cover:

  • Emergency services: For A&E visits, you will always use the NHS.
  • Chronic conditions: Long-term illnesses like diabetes or asthma that require ongoing management are handled by the NHS.
  • GP visits: While some policies offer access to a private digital GP, your NHS GP remains your primary point of contact.

Your PMI policy steps in after you've seen your GP and been referred for specialist treatment.

Why Consider PMI in the UK in 2026?

The primary driver for the growing interest in private health cover is the pressure on the NHS. While the NHS provides exceptional care, it is facing unprecedented challenges.

According to the latest data from NHS England, the number of people on referral-to-treatment (RTT) waiting lists remains a significant concern. Throughout 2026, the figure continued to be in the millions, with reports citing approximately 7.6 million treatment pathways. For many, this translates into long, anxious waits for consultations, scans, and surgery.

Benefits of Having Private Medical Insurance:

  • Speed of Access: Significantly reduce the waiting time for specialist consultations, diagnostic tests (like MRI and CT scans), and elective surgery.
  • Choice and Control: You can often choose your specialist or surgeon and select a hospital from your insurer's approved list.
  • Comfort and Privacy: Treatment is usually provided in a private hospital, often with a private en-suite room, more flexible visiting hours, and better food choices.
  • Access to Specialist Drugs and Treatments: Some policies provide access to new drugs or treatments that may not yet be available on the NHS due to cost or other commissioning decisions.
  • Peace of Mind: Knowing you have a plan in place can reduce the stress and uncertainty associated with an unexpected health issue.

How Does Private Medical Insurance Work? A Step-by-Step Guide

The process of using your PMI is generally straightforward. Here’s a typical patient journey:

  1. You Feel Unwell: You develop symptoms and book an appointment with your NHS GP (or a private GP service if included in your plan).
  2. GP Referral: Your GP diagnoses your initial symptoms and refers you to a specialist for further investigation or treatment. This is known as an 'open referral'.
  3. Contact Your Insurer: You call your PMI provider's claims line with your referral details. You’ll need your policy number handy.
  4. Claim Authorisation: The insurer checks that your condition is covered under your policy and authorises the claim. They will typically provide a list of approved specialists and hospitals for you to choose from.
  5. Book Your Appointment: You book your consultation or treatment directly with the private hospital or specialist.
  6. Receive Treatment: You attend your appointments and receive the necessary private medical care.
  7. Bills Are Settled: The hospital and specialists send their invoices directly to your insurance company. You only pay for your pre-agreed excess (if any) and any costs not covered by your policy.

Real-Life Example: Sarah, a 45-year-old graphic designer, develops persistent knee pain. Her NHS GP suspects a torn meniscus and refers her for an MRI and an orthopaedic consultation. The NHS waiting list for the scan is 12 weeks, and the consultation is even further away.

Sarah calls her PMI provider. They authorise the claim, and she books an MRI for the following week. Two days after the scan, she has a consultation with a specialist who confirms the diagnosis. Her surgery is scheduled for two weeks later at a private hospital near her home. Her insurer handles all the bills, and Sarah only pays her £250 policy excess.

What Does Private Medical Insurance Cover?

PMI policies are built around a core foundation of cover, with optional extras you can add to tailor the plan to your needs and budget.

Core Cover (Included as standard)

This is the foundation of every PMI policy and primarily focuses on treatment when you are admitted to a hospital.

Type of CoverDescription
In-patient TreatmentCovers costs when you are admitted to a hospital bed overnight. This includes surgery, specialist fees, nursing care, and accommodation.
Day-patient TreatmentCovers scheduled procedures or surgery where you are admitted to hospital but do not stay overnight.
Cancer CoverThis is a significant component. Most policies offer extensive cancer cover, including surgery, chemotherapy, and radiotherapy. The level of cover can vary, so it's a key area to compare.

Optional Extras (Customise your policy)

These add-ons allow you to build a more comprehensive policy.

  • Out-patient Cover: This is one of the most popular and valuable additions. It covers costs for treatment where you aren't admitted to hospital. This includes:

    • Specialist consultations.
    • Diagnostic tests and scans (MRI, CT, PET scans, X-rays).
    • Some minor procedures. You can often choose your level of out-patient cover, from a limited number of consultations to full cover up to a certain monetary value (e.g., £1,000, £1,500, or unlimited). (illustrative estimate)

  • Therapies Cover: Covers treatments like physiotherapy, osteopathy, and chiropractic care, often up to a set number of sessions per year.

  • Mental Health Cover: Provides cover for consultations with psychiatrists and psychologists, as well as in-patient treatment for acute mental health conditions. This has become an increasingly important and sought-after benefit.

  • Dental and Optical Cover: This can be added to some policies to contribute towards routine check-ups, dental treatment, and the cost of glasses or contact lenses.

What is NOT Covered by Private Medical Insurance?

This is arguably the most important section to understand to avoid disappointment at the point of a claim. PMI is not designed to cover every eventuality.

The Golden Rule: PMI is for new, acute conditions that arise after your policy has started.

The main exclusions are:

  1. Pre-existing Conditions: Any illness, disease, or injury you have had symptoms of, received medication for, or sought advice on before your policy start date. We explain how this works in the underwriting section below.

  2. Chronic Conditions: Long-term conditions that cannot be cured but can be managed. The NHS will manage these conditions. Examples include:

    • Diabetes
    • Asthma
    • High blood pressure (hypertension)
    • Crohn's disease
    • Epilepsy
    • Arthritis (the degenerative, long-term kind)

    Why are chronic conditions excluded? PMI is priced based on the risk of you needing short-term treatment to return you to your previous state of health. Covering the ongoing, lifelong management of a chronic condition would make premiums prohibitively expensive for everyone.

  3. Other Standard Exclusions:

    • Emergencies: Anything that would require A&E.
    • Normal Pregnancy & Childbirth: Although complications of pregnancy may be covered by some policies.
    • Cosmetic Surgery: Unless it is reconstructive following an accident or eligible surgery (e.g., breast reconstruction after a mastectomy).
    • Infertility Treatment (IVF).
    • Self-inflicted injuries or conditions related to substance abuse.
    • Experimental or unproven treatments.

Understanding Underwriting: The Key to Pre-existing Conditions

Underwriting is how an insurer assesses your medical history to decide what they will and won't cover. For PMI in the UK, there are two main types.

FeatureMoratorium (MORI) UnderwritingFull Medical Underwriting (FMU)
The ProcessQuick and easy to set up. No medical questionnaire is required upfront.You must complete a detailed medical questionnaire about your health history.
How it WorksThe policy automatically excludes any condition you've had in the 5 years before joining. However, if you go for a continuous 2-year period after your policy starts without any symptoms, treatment, or advice for that condition, it may become eligible for cover.The insurer reviews your medical history and explicitly lists any conditions that will be permanently excluded from cover.
Claims ProcessCan be slower. At the point of claim, the insurer will investigate your medical history to see if the condition is pre-existing.Clearer and often faster. You know exactly what is and isn't covered from day one.
Best ForIndividuals with a clean bill of health who want a quick policy start.People who have had past medical issues and want absolute certainty about their cover before they buy.

An expert PMI broker can help you decide which underwriting method is most suitable for your personal circumstances.

How to Customise Your PMI Policy and Control Costs

Your monthly premium isn't set in stone. You have several levers you can pull to adjust the price to fit your budget.

  1. Choose Your Excess (illustrative): The excess is the amount you agree to pay towards the cost of a claim. This could be per claim or per policy year. A higher excess (£250, £500, or even £1,000) will significantly lower your premium.

  2. Select a Hospital List: Insurers offer tiered hospital lists.

    • Local/Regional List: Includes private hospitals in your area but excludes premium-priced central London hospitals. This is a more affordable option.
    • National List: Gives you access to a wide range of hospitals across the UK.
    • Premium List: Includes everything, even the most expensive facilities in Central London.

  3. Limit Out-patient Cover: Choosing a lower limit for out-patient diagnostics and consultations (e.g., £500 or £1,000) instead of unlimited cover will reduce your premium. You can also choose to have no out-patient cover at all, relying on the NHS for diagnostics, though this can mean you're still in a queue.

  4. Add a 6-Week Wait Option: This is a popular cost-saving feature. With this option, your PMI will only kick in for in-patient treatment if the NHS waiting list for that treatment is longer than six weeks. If the NHS can treat you within six weeks, you use the NHS. This can reduce your premium by 20-30%.

  5. No-Claims Discount: Similar to car insurance, many PMI providers offer a no-claims discount. Each year you don't make a claim, your discount increases, helping to keep future premiums down.

The Cost of Private Medical Insurance in the UK

The cost of PMI varies widely based on a few key factors:

  • Age: Premiums increase as you get older, as the statistical likelihood of needing treatment rises.
  • Location: Living in areas with higher-cost private hospitals (like London and the South East) can result in higher premiums.
  • Level of Cover: A basic, in-patient-only policy will be much cheaper than a comprehensive plan with unlimited out-patient cover and therapy options.
  • Smoker Status: Smokers typically pay more than non-smokers.
  • Policy Options: The excess you choose, your hospital list, and whether you include the 6-week wait option all impact the final price.

To give you an idea, here are some illustrative monthly costs for 2026. These are purely examples.

PersonaCover LevelExcessLocationEstimated Monthly Premium
28-year-old, non-smokerCore cover + £1,000 out-patient£250Manchester£38 - £55
45-year-old coupleComprehensive cover£100Surrey£145 - £200 (total)
62-year-old, non-smokerCore cover + 6-week wait£500Edinburgh£95 - £135

The only way to know the true cost for you is to get a personalised quote.

Beyond Treatment: Getting the Best Value from Your Policy

Modern PMI is about more than just paying for surgery. The best PMI providers now offer a suite of wellness benefits and digital tools designed to help you stay healthy.

  • Digital GP Services: Get a 24/7 video or phone consultation with a GP, often within a few hours. This is incredibly convenient for getting quick advice and prescriptions.
  • Wellness Programmes: Many insurers incentivise healthy living. You might get discounts on gym memberships, fitness trackers, or even healthy food in return for tracking your activity.
  • Mental Health Support: Access to helplines, counselling sessions, and stress-prevention apps is becoming standard.
  • Expert Health Information: Access to nurses and health professionals by phone for non-urgent medical advice.

When you buy a policy through WeCovr, you also get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to support your health goals. Furthermore, customers who purchase PMI or Life Insurance often receive exclusive discounts on other types of insurance cover.

The Role of an Independent PMI Broker

With so many providers, policy options, and complex terms, trying to find the right private health cover on your own can be a challenge. This is where an independent broker like WeCovr adds immense value.

Why use a broker?

  1. Expert Advice at No Extra Cost: A broker’s service is free to you. They are paid a commission by the insurer you choose, which is already built into the premium, so you don't pay more.
  2. Whole-of-Market Comparison: A good broker works with a wide panel of leading UK insurers (like Aviva, Bupa, AXA Health, Vitality, and The Exeter) to find the policy that best suits your specific needs and budget.
  3. Simplifying the Complex: We speak your language. We translate the jargon and explain the differences between policies in a clear, simple way.
  4. Tailored Recommendations: We take the time to understand your priorities—whether it's cost, cancer cover, mental health support, or a specific hospital network—and recommend the most suitable options.
  5. Support for the Future: A good broker is there for you at renewal to ensure you're still on the best plan and can help with any queries you might have during the life of your policy.

Proactive Health: Your First Line of Defence

While insurance is a valuable safety net, the best health strategy is a proactive one. Small, consistent lifestyle choices can have a huge impact on your long-term wellbeing and reduce your chances of needing medical treatment.

  • Balanced Diet: Focus on whole foods—fruits, vegetables, lean proteins, and whole grains. Staying hydrated is also key.
  • Regular Activity: Aim for at least 150 minutes of moderate-intensity exercise, like brisk walking or cycling, per week, as recommended by the NHS.
  • Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. It's vital for mental and physical recovery.
  • Manage Stress: Find healthy coping mechanisms, whether it's mindfulness, yoga, spending time in nature, or a hobby you enjoy.

Taking care of yourself is the best investment you can make.

Do I still need the NHS if I have private medical insurance?

Absolutely, yes. Private medical insurance is designed to work alongside the NHS, not replace it. You will always rely on the NHS for accident and emergency services, GP appointments (unless you have a private GP benefit), and the management of long-term chronic conditions like diabetes or asthma. PMI is for eligible, acute conditions to help you get treated faster.

Can I get private health cover for a pre-existing medical condition?

Generally, standard UK PMI policies do not cover pre-existing conditions. However, under 'moratorium' underwriting, a past condition might become eligible for cover if you remain completely symptom-free and have not sought any treatment or advice for it for a continuous two-year period after your policy starts. For absolute clarity, 'full medical underwriting' will explicitly name any conditions that are excluded from the outset.

Is private medical insurance worth it in the UK?

Whether PMI is 'worth it' is a personal decision that depends on your priorities and financial situation. For many, the value lies in gaining peace of mind, speed of access to specialists and treatment, and having more choice and comfort. Given current NHS waiting lists for elective procedures, many people see it as a worthwhile investment in their health and wellbeing. It provides a valuable alternative for non-urgent, acute conditions.

Ready to take control of your health? The world of private medical insurance is easier to navigate with an expert by your side.

[Get your free, no-obligation quote from WeCovr today and let our specialists compare the market for you.]

Sources

  • Department for Transport (DfT): Road safety and transport statistics.
  • DVLA / DVSA: UK vehicle and driving regulatory guidance.
  • Association of British Insurers (ABI): Motor insurance market and claims publications.
  • Financial Conduct Authority (FCA): Insurance conduct and consumer information guidance.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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

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

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

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

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

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

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

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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