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Supraventricular Tachycardia Svt

At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we know that heart health is a major concern for many in the UK. This comprehensive guide explains Supraventricular Tachycardia (SVT), a common heart rhythm condition, and explores how private medical insurance can provide you with rapid access to specialist diagnosis and treatment when you need it most.

WeCovr Editorial Team · experienced insurance advisers
Last updated Mar 17, 2026

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TL;DR

At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we know that heart health is a major concern for many in the UK. This comprehensive guide explains Supraventricular Tachycardia (SVT), a common heart rhythm condition, and explores how private medical insurance can provide you with rapid access to specialist diagnosis and treatment when you need it most.

Key takeaways

  • Comprehensive Outpatient Cover: Ensure your policy includes generous limits for specialist consultations and diagnostic tests. Some basic policies limit this, which could leave you with out-of-pocket expenses.
  • Full Cancer Cover: While not directly related to SVT, this is a cornerstone of any good PMI policy.
  • Hospital List: Check which hospitals are included. If you want access to a specific cardiac centre (e.g., in London or another major city), make sure it's on your chosen provider's list.
  • Mental Health Support: Given the link between anxiety and SVT, having access to mental health services can be a valuable benefit.
  • As a rough guide, a private cardiologist consultation can cost between 200 and 350.

WeCovr explains SVT, treatments, and private cardiology support

At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we know that heart health is a major concern for many in the UK. This comprehensive guide explains Supraventricular Tachycardia (SVT), a common heart rhythm condition, and explores how private medical insurance can provide you with rapid access to specialist diagnosis and treatment when you need it most.

What is Supraventricular Tachycardia (SVT)?

Imagine the heart's electrical system is like the wiring in your house. Usually, it works perfectly, sending regular, organised signals to make your heart beat at a steady pace. In Supraventricular Tachycardia (SVT), an electrical "short circuit" occurs in the upper chambers of the heart (the atria). This fault causes the heart to suddenly start beating extremely fast, often between 140 and 220 beats per minute, before just as suddenly returning to normal.

SVT is a type of arrhythmia, which simply means an abnormal heart rhythm. While an episode can feel alarming, it's important to know that SVT is not usually life-threatening in people with an otherwise healthy heart.

It is, however, a very common condition. According to NHS estimates, SVT affects around 2 to 3 people in every 1,000 in the UK, meaning hundreds of thousands of people live with this condition. It can affect anyone at any age, including babies and children, but it often first appears in younger adults.

Common Symptoms of an SVT Episode

An episode of SVT can start and stop abruptly, lasting anywhere from a few seconds to several hours. When it happens, the symptoms can be intense and unsettling.

Key symptoms you might experience during an SVT episode include:

  • Palpitations: This is the most common symptom. It can feel like your heart is racing, fluttering, pounding, or skipping beats.
  • Dizziness or Light-headedness: The rapid heart rate can temporarily reduce blood flow to the brain.
  • Shortness of Breath: You might feel like you can't catch your breath.
  • Chest Tightness or Discomfort: Some people describe a pressure or tightness in their chest.
  • Anxiety: The sudden and dramatic symptoms can naturally cause feelings of panic or anxiety.
  • Fatigue: Episodes can be physically draining, leaving you feeling tired afterwards.
  • Fainting (Syncope): In some cases, a very fast or prolonged episode can lead to fainting.

Real-life example: Sarah, a 28-year-old marketing manager, described her first SVT episode: "I was just sitting at my desk replying to emails when it felt like a switch flipped in my chest. My heart went from normal to what felt like a drum roll. I felt dizzy, and my fitness tracker showed my heart rate was 190. It was terrifying because it came out of nowhere."

What Triggers an SVT Episode?

For many people, SVT episodes happen without any clear reason. However, certain factors are known to act as triggers. Identifying and managing these triggers can be a key part of living with the condition.

Trigger CategoryCommon Examples
LifestyleDrinking large amounts of caffeine (coffee, tea, energy drinks), consuming too much alcohol, smoking or vaping.
EmotionalHigh levels of stress, anxiety, or sudden shock or excitement.
PhysicalTiredness and lack of sleep, strenuous exercise (especially without a warm-up), dehydration.
MedicalCertain over-the-counter or prescribed medications, such as some decongestants or asthma inhalers.
OtherRecreational drug use (e.g., cocaine, amphetamines).

Managing these triggers is a practical first step. For instance, reducing your caffeine intake or developing stress-management techniques like mindfulness can sometimes reduce the frequency of episodes.

How SVT is Diagnosed: The NHS vs. Private Pathway

If you experience symptoms of SVT, the first step is always to see your GP. They will listen to your symptoms and may perform an initial check. The challenge with diagnosing SVT is that you need to capture an episode on an electrocardiogram (ECG) to confirm it. Since episodes are often brief and unpredictable, this can be difficult.

The Diagnostic Journey

Here’s a look at the typical diagnostic process and how accessing private care can make a significant difference.

1. Initial Consultation & ECG Your GP will likely perform a 12-lead ECG in the surgery. This records your heart's electrical activity for a few seconds. If you aren't having an episode at that exact moment, the ECG will probably be normal.

2. Referral to a Cardiologist If SVT is suspected, your GP will refer you to a cardiologist (a heart specialist) for further tests.

  • On the NHS: You will be placed on a waiting list for a cardiology appointment. According to NHS England data from early 2025, the median wait time for a first specialist appointment can be several weeks, and in some areas, several months.
  • With Private Medical Insurance: A GP referral allows you to see a private cardiologist very quickly, often within a week. This speed can provide immense peace of mind.

3. Specialist Diagnostic Tests To capture an episode, a cardiologist will use more advanced monitoring.

  • Holter Monitor: A portable ECG machine you wear for 24-48 hours to continuously record your heart's rhythm.
  • Event Recorder (or Loop Recorder): A longer-term monitor you wear for a week or more. When you feel symptoms, you press a button to save the recording of your heart's activity from just before, during, and after the event.
  • Echocardiogram: An ultrasound scan of your heart to check its structure and function and rule out other underlying problems.
  • Electrophysiological (EP) Study: This is the 'gold standard' test for pinpointing the exact location of the electrical short circuit. It is a more invasive procedure where a cardiologist guides thin wires (catheters) through a vein in your groin up to your heart to map its electrical signals. This is often done at the same time as a treatment called catheter ablation.

Waiting for these tests on the NHS can add further delays to your diagnosis. With a private medical insurance UK policy, these tests can be arranged within days, leading to a much faster diagnosis and treatment plan.

SVT and Private Medical Insurance: The Critical Rules

This is the most important section for anyone considering private health cover. UK private medical insurance (PMI) is designed to cover acute conditions that begin after your policy starts. It does not cover pre-existing or chronic conditions.

What does this mean for SVT?

  • If you have had symptoms, diagnosis, or treatment for SVT before taking out a policy: The condition will be considered pre-existing and will be excluded from cover. Insurers will not pay for consultations, tests, or treatments related to your SVT.
  • If you develop symptoms of SVT for the first time after your policy has started: Your PMI policy should cover the costs of diagnosis and eligible treatment, as it is a new, acute condition.

Understanding Underwriting

When you apply for PMI, the insurer assesses your medical history. This is called underwriting.

  1. Moratorium Underwriting: This is the most common type. The insurer automatically excludes any condition you've had symptoms, advice, or treatment for in the last 5 years. However, if you remain completely free of symptoms, treatment, and advice for that condition for a continuous 2-year period after your policy starts, the exclusion may be lifted.
  2. Full Medical Underwriting (FMU): You provide a full medical history declaration upfront. The insurer then tells you exactly what is and isn't covered from day one. This provides certainty but means pre-existing conditions like SVT will be permanently excluded.

The team at WeCovr can explain these options in plain English, helping you understand how your personal medical history might affect your cover.

Treatments for SVT: From Self-Help to Specialist Procedures

Treatment for SVT depends on the frequency and severity of your episodes and how much they affect your quality of life.

1. Vagal Manoeuvres (Self-Treatment)

For mild or infrequent episodes, you may be able to stop them yourself using special techniques called vagal manoeuvres. These stimulate the vagus nerve, which can help to slow the heart rate.

Always ask your doctor if these are safe for you before trying them.

  • The Valsalva Manoeuvre:
    1. Sit or lie down.
    2. Take a deep breath and hold it.
    3. Bear down as if you are having a bowel movement for 10-15 seconds.
    4. Breathe out forcefully.
  • Cold Water Immersion: Quickly splashing your face with ice-cold water or immersing your face in a bowl of cold water can have a similar effect.
  • Coughing or Gagging: A forceful cough can sometimes be enough to reset the heart's rhythm.

2. Medication

If episodes are frequent or vagal manoeuvres don't work, a cardiologist may prescribe medication.

  • Beta-blockers (e.g., Bisoprolol): These slow the heart rate and are often the first choice.
  • Calcium Channel Blockers (e.g., Verapamil): An alternative to beta-blockers.
  • Anti-arrhythmic drugs (e.g., Flecainide): Used if other medications aren't effective.

These medications help manage and prevent episodes but do not cure the underlying problem. They are a long-term treatment.

3. Catheter Ablation (Curative Treatment)

For many people, the definitive treatment for SVT is catheter ablation. This is a highly effective procedure that aims to cure the condition permanently.

What happens during a catheter ablation? It's a minimally invasive 'keyhole' procedure performed by a specialist called an electrophysiologist.

  1. You are given a local anaesthetic and a sedative to help you relax.
  2. The specialist inserts thin, flexible tubes called catheters into a vein, usually in your groin.
  3. Using X-ray guidance, they carefully guide these catheters up to your heart.
  4. The catheters have electrodes on the tips that can record the heart's electrical activity, allowing the specialist to pinpoint the exact location of the short circuit.
  5. Once found, the specialist uses either radiofrequency energy (heat) or cryoablation (freezing) to destroy the tiny area of heart tissue causing the problem. This creates a small scar that blocks the faulty electrical signal.

Catheter ablation has a success rate of over 95% for most common types of SVT. It allows most people to stop taking medication and live free from episodes.

Comparison: NHS vs. Private Treatment for SVT

FeatureNHS PathwayPrivate Pathway (with PMI)
Time to TreatmentWaiting lists for catheter ablation can be long, often many months.The procedure can be scheduled promptly after diagnosis, often within weeks.
Choice of SpecialistYou will be treated by the team available at your local NHS trust.You can choose your electrophysiologist and hospital from a wide network.
Hospital FacilitiesYou will likely stay on a general cardiology ward.You will typically have a private, en-suite room for your recovery.
Continuity of CareYou may see different doctors at various stages.You will see the same consultant cardiologist throughout your care journey.
CostFree at the point of use.Covered by your PMI policy (you will likely pay an excess).

Choosing the private pathway can significantly reduce the anxiety and disruption caused by waiting for treatment, getting you back to your life faster.

Living Well With SVT: Lifestyle and Wellness Support

Beyond medical treatment, making positive lifestyle choices can help you manage SVT and improve your overall heart health.

  • Mindful Diet: Pay attention to your caffeine and alcohol intake, as these are common triggers. Staying well-hydrated is also crucial. As a WeCovr customer, you get complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, to help you monitor your diet effectively.
  • Stress Management: Chronic stress can increase the frequency of SVT episodes. Practices like yoga, meditation, deep breathing exercises, or simply making time for hobbies can make a real difference.
  • Prioritise Sleep: Fatigue is a major trigger. Aim for 7-9 hours of quality sleep per night and maintain a regular sleep schedule.
  • Exercise Safely: Regular exercise is excellent for heart health, but it's important to approach it correctly.
    • Always speak to your cardiologist before starting a new exercise regime.
    • Warm up properly before and cool down after every session.
    • Listen to your body. If you feel symptoms, stop, rest, and use a vagal manoeuvre if appropriate.
  • Travel with Confidence: Having SVT shouldn't stop you from travelling.
    • Carry a copy of your ECG and a letter from your doctor.
    • Keep your medication in your hand luggage.
    • Ensure you have comprehensive travel insurance that covers your pre-existing condition.

At WeCovr, we believe in holistic support. That's why customers who purchase PMI or life insurance through us can also access discounts on other types of cover, ensuring all aspects of your life are protected.

How to Choose the Best PMI Provider for Cardiology

If you're considering private medical insurance in the UK, it's wise to look for a policy that offers strong cover for cardiac conditions.

What to look for:

  1. Comprehensive Outpatient Cover: Ensure your policy includes generous limits for specialist consultations and diagnostic tests. Some basic policies limit this, which could leave you with out-of-pocket expenses.
  2. Full Cancer Cover: While not directly related to SVT, this is a cornerstone of any good PMI policy.
  3. Hospital List: Check which hospitals are included. If you want access to a specific cardiac centre (e.g., in London or another major city), make sure it's on your chosen provider's list.
  4. Mental Health Support: Given the link between anxiety and SVT, having access to mental health services can be a valuable benefit.

Comparing the market can be complex. Major providers like Bupa, AXA Health, Aviva, and Vitality all offer excellent policies, but their features, benefits, and costs vary significantly.

This is where an expert PMI broker like WeCovr becomes invaluable. We are not tied to any single insurer. Our role is to understand your unique needs and budget, compare the entire market on your behalf, and recommend the policy that offers the best value for you. Our advice and comparison service is completely free for you to use.

Do I need to declare SVT when applying for private medical insurance?

Yes, absolutely. You must declare any pre-existing conditions, including SVT, whether you've had a formal diagnosis or just symptoms. Failing to disclose this information can lead to your policy being cancelled or a future claim being rejected. Honesty and transparency from the start are essential.

Can private medical insurance cover catheter ablation for SVT?

Yes, catheter ablation is a standard treatment that is typically covered by private medical insurance, but only if your SVT is a new, acute condition that developed *after* your policy began. If you had symptoms or a diagnosis of SVT before taking out cover, it will be considered a pre-existing condition and the treatment will not be covered.

How much does private cardiology care for SVT cost without insurance?

The costs of private healthcare in the UK can be substantial. As a rough guide, a private cardiologist consultation can cost between £200 and £350. Diagnostic tests like an echocardiogram might be £400-£700. The cost of a private catheter ablation procedure typically ranges from £7,000 to £15,000, depending on the hospital and consultant. A PMI policy protects you from these high costs.

Can I get private medical insurance if I have a family history of heart conditions?

Generally, yes. Having a family history of a condition does not usually prevent you from getting cover. However, the insurer will likely ask detailed questions about it during the application process, especially if you opt for Full Medical Underwriting. In some cases, they may add specific exclusions related to inherited cardiac conditions, but this is assessed on a case-by-case basis. A broker can help you navigate this process.

Take the Next Step with WeCovr

Understanding complex health conditions like SVT and navigating the world of private medical insurance can be daunting. But you don't have to do it alone. The expert, friendly team at WeCovr is here to provide clarity and support.

We compare policies from the UK's leading insurers to find the right cover for your health needs and your budget. Our advice is independent, and our service is completely free.

Get your free, no-obligation quote from WeCovr today and gain the peace of mind that comes with knowing you have fast access to the best care.

Sources

  • NHS England: Waiting times and referral-to-treatment statistics.
  • Office for National Statistics (ONS): Health, mortality, and workforce data.
  • NICE: Clinical guidance and technology appraisals.
  • Care Quality Commission (CQC): Provider quality and inspection reports.
  • UK Health Security Agency (UKHSA): Public health surveillance reports.
  • Association of British Insurers (ABI): Health and protection market publications.

Disclaimer: This is general guidance only and does not constitute formal tax or financial advice. Tax treatment depends on individual circumstances, policy terms, and HMRC interpretation, which cannot be guaranteed in advance. Whenever applicable, businesses and individuals should always consult a qualified accountant or tax adviser before arranging such policies.

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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
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• Diagnostic tests and scans
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• 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?
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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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 a strong fit for your needs 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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