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Switching PMI Providers in 2026 When Is It Worth It

Switching private medical insurance (PMI) in the UK can save you money, but requires careful evaluation of underwriting and continuity of cover. WeCovr works with experienced FCA-regulated advisers and broker partners who can help you navigate the complexities of switching and reduce the risk of losing valuable benefits.

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Last updated Aug 7, 2026

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Switching PMI Providers in 2026 When Is It Worth It 2026

TL;DR

Switching private medical insurance (PMI) in the UK can save you money, but requires careful evaluation of underwriting and continuity of cover. WeCovr works with experienced FCA-regulated advisers and broker partners who can help you navigate the complexities of switching and reduce the risk of losing valuable benefits.

Key takeaways

  • Switching PMI can combat steep renewal price hikes, but must be weighed against underwriting risks.
  • Continued Personal Medical Exclusions (CPME) underwriting is key to retaining cover for past conditions.
  • Moratorium underwriting resets the clock on pre-existing conditions, creating a two-year exclusion period.
  • Evaluate not just the premium, but also hospital lists, excess levels, and new policy benefits.
  • Using a specialist PMI broker like WeCovr ensures a smooth switch without losing critical cover.

As an experienced private medical insurance (PMI) broker in the UK, the team at WeCovr understands the annual shock many policyholders feel at renewal time. Drawing on experience across more than 1 million policies of various classes, we know that a significant premium increase is the number one reason people consider switching providers. But while the lure of a cheaper premium is strong, a hasty switch can lead to disastrous gaps in your health cover.

This definitive 2026 guide explains precisely when switching your private health cover is a smart financial move and when it's a risk not worth taking. We will demystify underwriting, explain continuity of cover, and provide a clear framework for making your decision.

How to evaluate pricing resets, underwriting risks, and continuity of cover

Switching your Private Medical Insurance isn't like changing your car or home insurer. Your health history is the single most important factor, and how a new insurer treats that history—a process called underwriting—determines the value and safety of your new policy.

The core evaluation involves balancing three elements:

  1. Pricing Reset (The Opportunity): A new insurer doesn't have your claims history. They offer you a "clean slate" price, which can be significantly lower than your renewal premium from an insurer you've claimed with. This is the primary motivation for switching.
  2. Underwriting Risk (The Threat): How will the new provider treat medical conditions you've suffered from in the past? A mismanaged switch could mean new, permanent exclusions or a reset of waiting periods, leaving you uninsured for conditions you thought were covered.
  3. Continuity of Cover (The Goal): The aim of a successful switch is to maintain, or even improve, your level of cover for the same or a lower price, without losing protection for conditions you've experienced. This is achievable but requires expert navigation.

Before we dive deeper, it's vital to remember a fundamental principle of the UK market: Standard private medical insurance is designed to cover acute conditions that arise after you take out your policy. It does not cover pre-existing conditions or chronic conditions (like diabetes or asthma) that require ongoing management.

The Core Dilemma: Why Your PMI Renewal Premium Has Increased

Understanding why your premium has gone up is the first step in deciding whether to switch. It’s rarely just one factor.

  • Age-Related Increases: This is the most significant driver. Insurers' risk models show that the older we get, the more likely we are to need medical treatment. Most providers increase your base premium on your birthday, often by a noticeable margin.
  • Medical Inflation: The cost of private healthcare—consultant fees, hospital charges, advanced new drugs and technologies—consistently rises faster than general inflation (CPI). Insurers pass this cost on to policyholders. In recent years, this has been running at 8-10% annually.
  • Your Claims History: If you made a claim in the previous year, your insurer now views you as a higher risk. This will be reflected in your renewal price, and you may also see a reduction in your no-claims discount (NCD).
  • Insurance Premium Tax (IPT): This is a tax levied by the UK government on all general insurance premiums, currently at 12%. Any increase in your base premium is also taxed.

Here is a simplified example of how a premium can escalate, even with no claims:

Factor2025 PremiumImpact2026 Renewal Premium
Starting Premium£100/month
Age Increase (+5%)+£5.00
Medical Inflation (+8%)+£8.00
IPT at 12% on Increase+£1.56
New Total (No Claims)£114.56/month

If you had made a claim, the increase could be substantially higher due to the loss of your no-claims discount. This is the "pricing reset" opportunity that makes switching so attractive.

The Two Golden Rules of Switching PMI: Underwriting Explained

This is the most critical section of this guide. Understanding these terms is non-negotiable if you want to switch safely. When you move to a new provider, they will underwrite your policy in one of several ways.

Rule 1: Avoid a New "Moratorium" Switch if You Have a Medical History

Moratorium (Mori) Underwriting is the most common type for new buyers. It works like this:

  • You don't declare your full medical history upfront.
  • The policy automatically excludes any condition you've had symptoms, treatment, or advice for in the five years before the policy started.
  • This exclusion can be lifted, but only if you go two full, continuous years on the policy without any symptoms, treatment, or advice for that specific condition.

The Danger of a 'New Mori' Switch: When you switch to a new insurer on a new moratorium basis, this clock resets. A condition that was covered by your old insurer (because you'd passed their two-year clear period) will now be excluded again by the new one for at least two years.

Real-Life Example: David bought a Bupa policy in 2021. He had knee pain in 2020, so it was excluded. By 2024, he'd had no knee trouble for over two years, so his Bupa policy would now cover it. In 2026, his renewal is high. He sees a cheap deal from Aviva online and switches, taking out a new moratorium policy. A month later, his knee pain returns. Aviva rejects the claim because it's a pre-existing condition within the last five years, and his two-year clock has been reset. David is now facing a large bill for private treatment or a long NHS wait.

Rule 2: Insist on "Continued Personal Medical Exclusions" (CPME) Underwriting

CPME Underwriting is the gold standard for switching. It is specifically designed to solve the problem described above and ensure continuity of cover.

  • How it works: Your new insurer agrees to take you on with the exact same medical exclusions you had with your old provider. There is no resetting of the moratorium clock.
  • The Process: You must provide full details of your previous policy and declare any conditions you've suffered. The new insurer's underwriting team assesses your history and offers "continued" terms.
  • The Benefit: A condition that was covered by your old policy will be covered from day one by your new policy.

CPME is not usually available directly to the public online. It is a specialist process that is almost always best handled by an FCA-regulated PMI broker like WeCovr. We have established processes with major insurers to help manage CPME switches smoothly.

Here’s a comparison table to clarify:

FeatureNew Moratorium SwitchCPME Switch (Recommended)
Continuity of CoverLost. The 2-year clock for pre-existing conditions resets.Maintained. Cover for past conditions is carried over seamlessly.
Risk LevelHigh. You risk being uninsured for recent health issues.Low. You retain the cover you've already earned.
Who is it for?Only for those with a completely clean bill of health for 5+ years.Almost everyone else who has ever had a medical issue.
AvailabilityWidely available online.Primarily via specialist brokers.

There is a third, less common option called Full Medical Underwriting (FMU), where you complete a detailed health questionnaire. The insurer then applies specific, often permanent, exclusions based on your answers. While possible for switching, CPME is almost always a more suitable option.

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When is Switching Your Health Insurance Provider a Smart Move?

Switching is worth considering in several clear-cut situations, provided you do it correctly using CPME underwriting.

1. Your Renewal Premium Has Increased by Over 20% with No Claims

This is the most common and compelling reason. If you haven't claimed, a large price hike is purely down to age and medical inflation. A new insurer will see you as a low-risk client and will likely offer a much more competitive premium. A broker can take your "no-claims" status and find a provider who will reward it.

2. Your Current Policy's Benefits No Longer Match Your Needs

Perhaps you started a family and need to add a child, or you moved house and your local hospital is no longer on your insurer's list. Or maybe you want better mental health cover, which has become a key area of competition between providers. A switch can allow you to tailor a policy to your new circumstances.

3. You've Found a Policy with Significantly Better Value

"Value" isn't just about price. A new policy might offer:

  • A more extensive hospital list.
  • Higher outpatient limits (e.g., £1,500 vs. your current £500).
  • Valuable add-ons like a 24/7 digital GP, mental health support, or wellness rewards programmes (like Vitality's).
  • A lower excess (the amount you pay towards a claim).

4. You Are Consistently Unhappy with Your Current Insurer's Service

If you've had a poor experience with customer service or the claims process, that is a perfectly valid reason to move. Your health insurance is a service you pay for, and you should feel supported and valued.

The Critical Risks of Switching: What Could Go Wrong?

Without professional guidance, switching can be a minefield. Here are the most common mistakes we see people make.

  • The Accidental 'New Mori' Switch: As detailed above, this is the number one risk. People are lured by a cheap quote online, click "buy," and inadvertently wipe out years of continuous cover without realising it until they need to claim.
  • Misunderstanding the Excess: You might be offered a cheaper premium, but the new policy has a £1,000 excess whereas your old one was £250. This "saving" vanishes the moment you make a claim.
  • Downgrading Hospital Access: Some cheaper policies use restricted hospital lists, excluding prime central London hospitals or premium local private facilities. If you don't check the list carefully, you may find your preferred hospital is no longer an option.
  • Losing 'Protected' No-Claims Discount: If you have a protected NCD with your current insurer, a new provider may not match it. This could lead to a steeper price hike after your first claim with the new company.
  • The "Teaser Rate" Trap: Some providers offer heavily discounted first-year premiums to attract new business, followed by a very steep increase in year two. An experienced broker can spot these tactics and advise on which providers offer more stable long-term pricing.

An expert broker's role is to help you understand and avoid these pitfalls, so you can assess whether a switch is beneficial in both the short and long term.

A Step-by-Step Guide to Switching Your PMI Provider in 2026

Follow this proven process for a safe and successful switch.

  1. Get Your Renewal Documents: As soon as they arrive (typically 3-4 weeks before your renewal date), secure a PDF copy of your renewal invitation and your original policy certificate.
  2. Don't Auto-Renew: Review the documents carefully. Note the new premium and check for any changes to your terms, benefits, or hospital list.
  3. Contact a Specialist Broker (like WeCovr): This is the most important step. Tell them you want to review your renewal and explore switching on a CPME basis. An experienced adviser can discuss your options with no separate broker fee where applicable.
  4. The Fact-Find: Your adviser will have a short call with you to understand your current cover, your medical history, your budget, and what's important to you (e.g., specific hospitals, cancer cover, mental health support).
  5. Market Review: Your broker will then approach a broad panel of UK PMI providers, requesting comparable quotes on CPME terms where available. This is work you cannot easily do yourself.
  6. Compare and Decide: The broker will present you with a clear, easy-to-understand comparison of the top 2-3 options, including your existing insurer's renewal. They will highlight the differences in price, excess, benefits, and hospital access, and give you a clear recommendation.
  7. Application and Switchover: Once you decide, the broker will handle all the application paperwork. They can help coordinate the intended start date of the new policy with the end date of the old policy to reduce the risk of a gap in cover. You simply sign the forms and set up the new direct debit.

Using an FCA-regulated broker like WeCovr can help the process run more smoothly and gives you access to adviser support when comparing insurer options.

Comparing the Major UK PMI Providers for Switchers

While the "best" provider depends entirely on your individual needs, here is a general overview of how the main players approach the market. A broker can provide a detailed comparison based on your specific circumstances.

ProviderTypical CPME AvailabilityKey Differentiator / Market PositionAdviser Insight
BupaGoodUK's largest provider, extensive hospital network, trusted brand.Often seen as the premium benchmark. Strong on cancer care and mental health pathways.
AXA HealthExcellentFocus on comprehensive cover and clinical pathways. Strong digital GP service.Very broker-friendly and highly competent with CPME switches. Often competitive on price.
AvivaExcellentMajor UK insurer, often very price-competitive. Good core product with flexible options.Frequently offers excellent value for a comprehensive policy, making it a top contender for switches.
VitalityGoodUnique model rewarding healthy living with discounts and perks.A great fit if you're active and will engage with the wellness programme. The points system can feel complex to some.
The ExeterGoodFriendly society known for excellent service and considering more complex medical histories.A strong choice, particularly for older applicants or those with some minor health concerns.

Disclaimer: This is a general market overview. Availability of terms and pricing is subject to individual application and underwriting.

What About Switching from an Employer's Group PMI Scheme?

Leaving a job where you had company-paid health insurance presents a unique challenge. Many corporate schemes are underwritten on a Medical History Disregarded (MHD) basis. This is the most generous form of underwriting, as it covers all eligible conditions, regardless of your past medical history.

You cannot buy an MHD policy as an individual. When you leave the company, you lose this benefit. You typically have two options:

  1. Group Leaver / Continuation Policy: Your company's insurer will usually offer you the chance to continue your cover on a personal policy. You will usually be transferred on a CPME basis, preserving the cover you had. This is often the safest and simplest option, but it may not be the cheapest.
  2. Switch to a New Insurer: You can use a broker to shop around for a new personal policy from a different provider. They will again seek CPME terms to match the cover you had under the group scheme. This can often result in significant savings compared to the continuation quote.

Given the loss of valuable MHD terms, it is critical to seek specialist advice when leaving a company scheme to ensure you don't inadvertently lose cover for an existing condition.

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.

Final Word: Switch Smart, Not Fast

The temptation to slash your private medical insurance costs by switching providers is understandable, especially in 2026. A cheaper premium is an attractive prize, but it should never come at the cost of your peace of mind or continuity of cover.

The key takeaway is that switching safely is a specialist task. The difference between a seamless, money-saving switch on CPME terms and a disastrous 'new moratorium' switch is vast.

By working with an FCA-regulated broker like WeCovr, you can compare options from a broad provider panel, seek suitable available terms, and reduce the risk of interruption when switching. We can help manage the complexity so you can make a clearer decision. As a WeCovr client, you also get complimentary access to our AI-powered nutrition app, CalorieHero, and can benefit from discounts on other insurance products like life or income protection.

Ready to see if you can get better value for your health cover?

Contact WeCovr today for a free, no-obligation review of your PMI renewal. Our expert advisers are ready to help you switch smartly and securely.

Do I need to declare conditions I've had while on my old policy when I switch?

Yes, you must be completely honest. When switching on a Continued Personal Medical Exclusions (CPME) basis, you need to declare your past conditions. The new insurer uses this information to ensure they carry over the exact same cover and exclusions from your old policy. Hiding information is considered non-disclosure and could lead to your policy being cancelled when you need it most.

Will switching my PMI provider affect my no-claims discount (NCD)?

It can. Each insurer treats NCDs differently. Many providers will match your current NCD level when you switch, especially when arranged via a broker. For example, if you are on Level 12 with Bupa, Aviva may offer to start you on their equivalent top level. Some insurers also offer a "protected" NCD for an additional premium. A broker's job is to negotiate the suitable available NCD transfer terms for you.

Can I switch PMI if I am currently undergoing treatment?

Generally, no. It is highly inadvisable and usually not possible to switch insurers while you are in the middle of a course of treatment or an active claim. You must wait until the treatment is complete and the claim is closed. A new insurer will not take on an active claim, and attempting to switch mid-treatment would create a severe gap in your cover.

Is it cheaper to switch PMI every year?

Not necessarily. While reviewing your cover annually is good practice, switching every single year can be administratively complex and introduces a small risk of errors or gaps if not managed perfectly. For most people, a thorough market review every two to three years, or whenever you face a particularly steep price hike, is a more balanced and effective strategy.

Sources

NHS England Office for National Statistics (ONS) Financial Conduct Authority (FCA) gov.uk National Institute for Health and Care Excellence (NICE)

Important Information and Risks

No advice: This article is for general information only. It is not financial, legal, insurance, or tax advice, and it is not a personal recommendation. WeCovr does not assess your individual circumstances or recommend a specific product through this article.

Policy exclusions and underwriting: Insurance policies, including life insurance, private medical insurance, critical illness cover, and income protection, are subject to insurer underwriting, eligibility, acceptance criteria, terms, conditions, limits, and exclusions. Pre-existing medical conditions may be excluded, restricted, or accepted on special terms unless an insurer confirms otherwise in writing.

Tax treatment: References to tax treatment, HMRC rules, or business reliefs are based on current UK legislation and guidance, which can change. Tax treatment depends on your personal or business circumstances and may differ from examples in this article.

Before you buy: Always read the Insurance Product Information Document (IPID), policy summary, and full policy terms before buying, renewing, changing, or keeping cover. If you are unsure whether a policy is suitable for you, speak to an insurance adviser.

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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 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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Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!