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Scarlet Fever in Children

Scarlet Fever in Children 2025 | Top Insurance Guides

As an FCA-authorised broker that has helped arrange over 800,000 policies, WeCovr understands that your child's health is your top priority. This guide explores scarlet fever and how having the right private medical insurance in the UK can provide invaluable peace of mind when facing childhood illnesses.

A parents guide to scarlet fever symptoms, diagnosis, and treatment options

When your child is unwell, it’s natural to feel concerned. Scarlet fever, while once a very serious childhood illness, is now easily treatable. However, knowing what to look for and how to act quickly is key. This comprehensive guide will walk you through everything you need to know, from the first signs of a sore throat to navigating treatment options and supporting your child's recovery.

We’ll cover the classic symptoms, the diagnostic process in the UK, treatment pathways via both the NHS and private healthcare, and practical tips for managing the illness at home.

What Exactly is Scarlet Fever?

Scarlet fever, sometimes called scarlatina, is a bacterial infection caused by Group A Streptococcus bacteria, often referred to as 'Strep A'. This is the same bacteria that causes strep throat. The distinctive scarlet fever rash is actually a reaction to toxins produced by the bacteria.

It's a common misconception that scarlet fever is a virus; it is entirely bacterial, which is why it responds so well to antibiotics.

How does it spread? The bacteria live in the nose and throat and spread very easily between people through:

  • Respiratory droplets: From coughing and sneezing.
  • Direct contact: Touching an infected person's skin.
  • Contaminated surfaces: Touching objects like toys, taps, or door handles that have the bacteria on them and then touching your own mouth or nose.

It is most common in children between the ages of 5 and 15, largely because they are in close contact with each other at school and nursery.

Spotting the Signs: Key Scarlet Fever Symptoms in Children

Scarlet fever symptoms often appear in a specific order, which can help parents identify it. The incubation period—the time between exposure to the bacteria and the first symptoms—is typically two to five days.

1. Early Symptoms (The First 24-48 Hours) The illness usually starts quite suddenly with general, flu-like symptoms:

  • A very sore throat
  • Headache
  • A high temperature (fever) of 38°C (100.4°F) or above
  • Nausea and sometimes vomiting
  • Swollen glands in the neck

2. The Signature Rash (12-48 Hours After First Symptoms) This is the most tell-tale sign. The rash:

  • Feels like sandpaper: It has a rough, bumpy texture.
  • Looks like sunburn: It appears as a widespread pinkish-red blotchiness.
  • Starts on the chest and tummy: It then spreads rapidly to other parts of the body, such as the ears, neck, and thighs.
  • Spares the face (mostly): The cheeks often become very flushed, but a pale area may remain around the mouth.
  • Features "Pastia's lines": Darker red lines may appear in the folds of the skin, especially in the armpits, elbows, and groin.

3. The "Strawberry Tongue" This is another classic symptom that develops alongside the rash:

  • Day 1-2: The tongue may have a white coating on it.
  • Day 3-4: The white coating peels away, revealing a bright red, swollen tongue with small bumps, closely resembling a strawberry or raspberry.

Here is a typical timeline of how symptoms can progress:

DayCommon Symptoms
1-2Sudden onset of high fever, sore throat, headache, and nausea.
2-3The sandpaper-like rash appears, starting on the chest and stomach. The tongue develops a white coating.
3-5The rash spreads. The tongue sheds its white coating to become a classic "strawberry tongue".
6-7The rash begins to fade. As it does, the skin on the fingertips, toes, and groin may start to peel.
10+Most symptoms have resolved, especially with antibiotic treatment. Skin peeling may continue for several weeks.

How is Scarlet Fever Diagnosed in the UK?

If you suspect your child has scarlet fever, it's important to seek a medical diagnosis promptly. This confirms the illness and allows treatment to begin, which is crucial for preventing complications.

The NHS Pathway

  1. Contact your GP or NHS 111: The first step is to call your GP surgery for an appointment. If it's out of hours, NHS 111 can provide advice and direct you to the appropriate service.
  2. Clinical Examination: A doctor or nurse will assess your child's symptoms. They will look at the rash, check their throat and tongue, and feel the glands in their neck. Often, a diagnosis can be made based on these classic signs alone.
  3. Throat Swab: To be certain, the clinician may use a swab to take a sample from the back of your child's throat. This can be tested for Group A Strep bacteria. A rapid antigen detection test (RADT) can give results in minutes, while a throat culture takes a couple of days.

The Private Healthcare Pathway

For families with private health cover, the process can often be faster. Accessing private healthcare can be a huge comfort when a child is ill.

  • Rapid GP Access: Many modern private medical insurance policies include access to a virtual or private GP service, often available 24/7. This means you can get a video consultation within hours, or even minutes, day or night.
  • Longer Consultations: Private appointments often allow more time to discuss your concerns in detail with the doctor.
  • Peace of Mind: Getting a swift diagnosis and a treatment plan can significantly reduce parental anxiety.

As an expert PMI broker, WeCovr can help you compare policies from the best PMI providers to find one that includes robust GP access and family-friendly benefits, ensuring you're prepared for acute illnesses like scarlet fever.

Scarlet Fever Treatment: Your Options

Because scarlet fever is bacterial, the primary treatment is a course of antibiotics.

The Gold Standard: Antibiotics

Antibiotics are prescribed for three key reasons:

  1. To speed up recovery: Your child will usually feel much better within 24-48 hours of starting the medication.
  2. To reduce contagiousness: After 24 hours on antibiotics, your child is no longer considered infectious.
  3. To prevent serious complications: This is the most important reason. Untreated Strep A infections can, in rare cases, lead to more severe conditions.

The standard treatment is a 10-day course of liquid penicillin or amoxicillin. If your child is allergic to penicillin, an alternative like azithromycin will be prescribed. It is absolutely vital to complete the full 10-day course, even if your child feels better after a few days. Stopping early could allow the bacteria to return.

Managing Symptoms at Home

Alongside antibiotics, there are several things you can do to keep your child comfortable:

  • Pain and Fever Relief: Use children's paracetamol or ibuprofen to manage the fever, sore throat, and headaches. Always follow the dosage instructions on the packet.
  • Hydration: Encourage them to drink plenty of cool fluids, like water or diluted squash, to prevent dehydration. Ice lollies are a great way to soothe a sore throat and get fluids in.
  • Soft Foods: Offer soft foods that are easy to swallow, such as soup, yoghurt, mashed potatoes, or scrambled eggs.
  • Soothe the Itch: If the rash is itchy, a pharmacist can recommend calamine lotion or an antihistamine. Keeping their fingernails short can also prevent scratching.
  • Rest: Ensure they get plenty of rest to help their body fight the infection.
FeatureNHS TreatmentPrivate Treatment (with PMI)
GP AppointmentMay involve a wait for an appointment at your local surgery.Often same-day access to a virtual or in-person private GP.
DiagnosisClinical assessment, possibly a throat swab.Same diagnostic methods, but potentially faster results.
PrescriptionStandard NHS prescription.Private prescription, which can be fulfilled quickly.
Specialist AccessGP referral to an NHS paediatrician if complications arise; may involve a waiting list.Rapid referral to a private paediatrician or specialist if covered by the policy.
CostFree at the point of use (prescriptions are free for children in the UK).Covered by your monthly insurance premium (subject to policy excess).

Is Scarlet Fever Contagious? The "School Exclusion" Rule

Yes, scarlet fever is highly contagious. It is spread through close contact, coughs, and sneezes.

According to guidance from the UK Health Security Agency (UKHSA), you must notify your child's school, nursery, or childminder if they are diagnosed with scarlet fever.

Your child should stay at home and away from others until they have been taking antibiotics for at least 24 hours. After this point, they are no longer considered infectious and can return to school, as long as they feel well enough.

Potential Complications of Scarlet Fever (And How to Avoid Them)

Thanks to the widespread use of antibiotics, serious complications from scarlet fever are now very rare in the UK. However, they can still happen, which is why prompt diagnosis and treatment are so important.

Potential complications can include:

  • Localised infections: Ear infection (otitis media), throat abscess (quinsy), sinusitis, or pneumonia.
  • Invasive Group A Strep (iGAS) disease: A rare but very serious condition where the bacteria get into the bloodstream or deep tissue.
  • Post-infection conditions: These are immune reactions that can occur weeks after the initial illness has passed.
    • Rheumatic fever: A serious inflammatory condition that can affect the heart, joints, brain, and skin.
    • Post-streptococcal glomerulonephritis: A type of kidney disease.

The single most effective way to prevent these complications is to ensure your child completes the full course of prescribed antibiotics.

Many parents wonder how private medical insurance UK fits into the picture for common childhood illnesses. The key thing to understand is how insurers define different types of conditions.

Acute vs. Chronic Conditions

  • Acute Condition: An illness that is sudden in onset, short in duration, and is expected to respond fully to treatment. Scarlet fever is a classic example of an acute condition.
  • Chronic Condition: A long-term illness that requires ongoing management and cannot be fully cured, such as asthma, diabetes, or eczema.

Standard UK private health cover is designed to treat new, acute conditions that arise after you take out your policy. It does not cover pre-existing conditions (any illness you had symptoms of or sought advice for before your policy began) or the ongoing management of chronic conditions.

How a PMI Policy Can Help with Scarlet Fever

While the NHS provides excellent care for scarlet fever, a private health insurance policy can offer significant benefits, particularly in terms of speed, convenience, and peace of mind.

  1. Fast-Track Diagnosis: The ability to see a private GP quickly can get you a diagnosis and prescription without delay, helping your child feel better sooner and reducing the risk of complications.
  2. Specialist Referrals: In the unlikely event of a complication, your PMI policy could provide a rapid referral to a private specialist, such as a paediatrician or an Ear, Nose, and Throat (ENT) consultant, bypassing NHS waiting lists.
  3. Choice and Comfort: Private healthcare often offers more choice over appointment times and, if hospital care were needed for a complication, access to a private room.

A knowledgeable PMI broker can be invaluable in finding the right family policy. An expert like WeCovr can assess your family's needs and compare the market to find cover that offers the benefits that matter most to you, at no extra cost for their service.

Supporting Your Child's Recovery: Wellness and Nutrition Tips

Once the antibiotics are underway, your focus will shift to helping your child feel comfortable and recover their strength.

  • Diet and Hydration: Continue to prioritise fluids. Soups, smoothies, yoghurts, and ice cream are all great options for a sore throat. As they start to feel better, gradually reintroduce a normal, balanced diet. For parents who like to keep a close eye on nutrition, WeCovr provides complimentary access to its AI-powered app, CalorieHero. While designed for calorie tracking, it can also be a useful tool for monitoring fluid and nutrient intake during a period of recovery.
  • Rest and Recuperation: A child's body needs energy to fight infection. Encourage quiet activities like reading, drawing, or watching a film. Avoid energetic play until they are fully recovered.
  • Travel: Avoid travelling while your child is infectious (the first 24 hours on antibiotics). If you have a trip planned, check with your GP about your child's fitness to travel, especially if it involves flying.

Preventing the Spread of Scarlet Fever in Your Home and Community

Good hygiene is the best defence against the spread of Strep A bacteria.

  • Handwashing: Teach your child to wash their hands frequently and thoroughly with soap and warm water, especially after coughing or sneezing and before eating.
  • "Catch it, Bin it, Kill it": Use tissues to cover the mouth and nose when coughing or sneezing, dispose of them immediately, and then wash hands.
  • Don't Share: Avoid sharing cutlery, drinking glasses, towels, or bedding with the unwell person.
  • Clean Surfaces: Wipe down frequently touched surfaces and wash toys in hot, soapy water.

In recent years, the UK Health Security Agency (UKHSA) has reported significant increases in scarlet fever and Group A Strep infections, particularly during the winter and spring seasons. For example, the 2022-2023 season saw unusually high levels of activity.

Experts believe this is partly due to lower population immunity following periods of reduced social mixing during the COVID-19 pandemic. This highlights the ongoing importance of being vigilant for symptoms and seeking prompt medical advice.

Choosing the Right Private Health Cover for Your Family

When considering private health cover, it’s wise to look beyond just the price. For families, key features to consider include:

  • Outpatient Cover: This covers consultations and diagnostic tests that don't require a hospital stay—essential for diagnosing illnesses like scarlet fever.
  • GP Access: Check if the policy includes a 24/7 virtual GP service.
  • Family Discounts: Many insurers offer discounts for adding a partner or children to a policy.
  • Mental Health Support: The stress of a child's illness can take its toll on parents. Many policies now include access to mental health support lines.

Working with an independent broker like WeCovr ensures you get impartial advice tailored to your family. We compare policies from leading UK insurers to find the best fit. What's more, clients who purchase PMI or Life Insurance through WeCovr often receive discounts on other types of cover, adding even more value. Our high customer satisfaction ratings reflect our commitment to finding the right solutions for our clients.

Is scarlet fever covered by private medical insurance?

Yes, generally scarlet fever is covered by private medical insurance in the UK. This is because it is an acute condition—one that is short-term and fully treatable. A policy can provide fast access to a private GP for diagnosis and a prescription. However, cover is only for conditions that arise after your policy starts. It will not cover pre-existing conditions.

Do I need a GP referral to see a private specialist for my child?

Typically, yes. Most UK private medical insurance policies require a GP referral before you can see a private consultant or specialist. However, many modern policies now include integrated private GP services (both virtual and in-person), which can provide this referral very quickly, often much faster than waiting for an NHS GP appointment.

Can I add my children to my existing private health cover?

Yes, almost all UK PMI providers allow you to add your children to an individual or company policy. Insurers often offer discounted rates for children, and some even have offers where younger children can be added for free. An expert broker can help you find the most cost-effective way to ensure your whole family is covered.

What happens if my child’s condition becomes chronic?

This is a crucial distinction in UK health insurance. Private medical insurance is designed for treating acute conditions. If an illness, or a complication from it, were to become chronic (a long-term condition requiring ongoing management), the care would typically transition back to the NHS for long-term monitoring and treatment. PMI covers the initial diagnosis and treatment phases to get your child back to health.

Navigating childhood illnesses is a core part of being a parent. While scarlet fever can be worrying, it is a well-understood and treatable condition. Having fast access to medical advice and treatment can make all the difference.

Contact WeCovr today for a free, no-obligation quote and let our experts help you find the perfect private medical insurance to protect your family's health.


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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 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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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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