The Best Private Hospitals in Manchester

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

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr provides expert insight into the UK’s private medical insurance landscape. This guide explores Manchester's top private hospitals, helping you understand your options for first-class medical care in one of Britain's most dynamic cities. WeCovr compares private healthcare facilities in Greater Manchester Manchester is a northern powerhouse, not just in culture and industry, but also in healthcare.

Key takeaways

  • Shorter Waiting Times: This is the primary driver for many. Access to a consultant, diagnostic scans (like MRI or CT), and subsequent treatment can often be arranged in days or weeks, rather than months or even years.
  • Choice of Consultant: The private sector allows you to choose a specific specialist or surgeon to lead your care, often based on their reputation and expertise in a particular field.
  • Comfort and Privacy: Private hospitals are known for their high standards of comfort. Patients typically stay in private, en-suite rooms with amenities like à la carte menus, flexible visiting hours, and dedicated nursing staff.
  • Flexible Appointments: Scheduling appointments around your work and family commitments is generally much easier in the private system.
  • Pre-existing conditions: Any medical condition, illness, or injury for which you have had symptoms, medication, or advice before your policy start date.

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr provides expert insight into the UK’s private medical insurance landscape. This guide explores Manchester's top private hospitals, helping you understand your options for first-class medical care in one of Britain's most dynamic cities.

WeCovr compares private healthcare facilities in Greater Manchester

Manchester is a northern powerhouse, not just in culture and industry, but also in healthcare. Alongside its renowned NHS trusts, the city and its surrounding boroughs boast a superb selection of private hospitals. These facilities offer patients an alternative route to diagnosis and treatment, often characterised by speed, comfort, and choice.

But with several excellent options available, how do you decide which is right for you? This comprehensive guide breaks down the best private hospitals in Manchester, examining their specialisms, facilities, and what makes each one unique. We'll also explain how private medical insurance (PMI) is your key to unlocking this world-class care.

Why Choose Private Healthcare in Manchester?

While the NHS provides exceptional care, it is currently facing significant pressure. According to recent NHS England data, waiting lists for routine treatments remain at historically high levels across the country, including in the Greater Manchester area. For many, the prospect of waiting months for a diagnosis or procedure can be a source of considerable anxiety.

Private healthcare offers a compelling alternative with several key benefits:

  • Shorter Waiting Times: This is the primary driver for many. Access to a consultant, diagnostic scans (like MRI or CT), and subsequent treatment can often be arranged in days or weeks, rather than months or even years.
  • Choice of Consultant: The private sector allows you to choose a specific specialist or surgeon to lead your care, often based on their reputation and expertise in a particular field.
  • Comfort and Privacy: Private hospitals are known for their high standards of comfort. Patients typically stay in private, en-suite rooms with amenities like à la carte menus, flexible visiting hours, and dedicated nursing staff.
  • Flexible Appointments: Scheduling appointments around your work and family commitments is generally much easier in the private system.

For most people, the most affordable and practical way to access these benefits is through a robust private medical insurance policy.

Understanding Private Medical Insurance (PMI): The Key to Access

Think of private medical insurance as a healthcare plan that covers the cost of private treatment for specific types of medical conditions. It’s designed to work alongside the NHS, giving you a choice when you need it most.

However, it is crucial to understand what PMI is for.

Important Note: Standard private medical insurance in the UK is designed to cover acute conditions that arise after you take out your policy. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and result in a full recovery.

PMI does not typically cover:

  • Pre-existing conditions: Any medical condition, illness, or injury for which you have had symptoms, medication, or advice before your policy start date.
  • Chronic conditions: Long-term illnesses that cannot be cured, only managed. Examples include diabetes, asthma, arthritis, and high blood pressure.

When you apply for cover, an insurer will use a process called underwriting to assess your health history and determine what they can cover. The expert advisors at WeCovr can help you navigate this process to find a policy that clearly outlines what is and isn't included.

A Closer Look at Manchester's Premier Private Hospitals

Greater Manchester is home to several outstanding private hospitals, each with its own strengths. Most are recognised by major UK health insurers like Aviva, Bupa, Axa Health, and Vitality, but you should always check your specific policy documents.

Here’s our breakdown of the leading facilities.

The Alexandra Hospital, Cheadle

Part of the Circle Health Group, "The Alex" is one of the largest and most comprehensive private hospitals outside of London. Located in Cheadle, South Manchester, it has a long-standing reputation for clinical excellence and is a flagship hospital for the region.

Overview: The Alexandra Hospital is a major healthcare hub, offering a vast range of services from routine diagnostics to highly complex surgery. It has over 600 consultants and invests heavily in the latest medical technology.

Specialist Areas & Treatments:

  • Orthopaedics: A major centre for hip and knee replacements, spinal surgery, and sports injuries.
  • Cardiology: Provides advanced cardiac screening, diagnostics, and interventional cardiology.
  • Oncology: A dedicated cancer centre, The Christie Clinic, operates in partnership with the world-famous Christie NHS Foundation Trust.
  • General Surgery: Including hernia repair, gallbladder surgery, and colorectal procedures.
  • Neurology and Neurosurgery: Treats a wide range of conditions affecting the brain and spine.

Facilities & Patient Experience: The hospital has over 150 beds, all in private rooms with en-suite facilities, TV, and Wi-Fi. It features state-of-the-art diagnostic imaging (MRI, CT, X-ray), a large critical care unit, and multiple operating theatres. The patient experience is consistently rated highly for its comfort and attentive staff.

CQC Rating: The Care Quality Commission (CQC) is the independent regulator of health and social care in England. The Alexandra Hospital is currently rated as Good overall.

FeatureThe Alexandra Hospital
LocationCheadle, Stockport
Hospital GroupCircle Health Group
Key SpecialismsOrthopaedics, Cardiology, Oncology, Neurosurgery
CQC RatingGood
Patient RoomsPrivate, en-suite
Standout FeaturePartnership with The Christie for cancer care

Spire Manchester Hospital, Didsbury

Opened in 2017, the Spire Manchester is a state-of-the-art facility in Didsbury. As one of the newest private hospitals in the region, it was purpose-built with the latest technology and patient comfort in mind.

Overview: This £65 million hospital is a major player in the North West's private healthcare market. It focuses on providing a seamless patient journey, from initial consultation through to rehabilitation, all under one roof. (illustrative estimate)

Specialist Areas & Treatments:

  • Orthopaedics & Sports Medicine: Features a specialist Perform sports medicine centre, offering physiotherapy and rehabilitation to elite athletes and the general public.
  • Cardiology: A comprehensive heart clinic for everything from health screening to complex procedures.
  • Dermatology: Offers a mole-mapping service and treatment for a wide range of skin conditions.
  • Urology: Advanced diagnostics and treatment for conditions affecting the bladder and prostate.
  • Weight Loss Surgery: A dedicated bariatric surgery unit.

Facilities & Patient Experience: Spire Manchester boasts advanced facilities, including five operating theatres, an endoscopy suite, and a five-bed critical care unit. Its diagnostic imaging department includes three MRI scanners and a CT scanner. All patient rooms are private with en-suite bathrooms, designed to feel more like a hotel than a hospital.

CQC Rating: Spire Manchester Hospital is currently rated as Good overall by the CQC.

FeatureSpire Manchester Hospital
LocationDidsbury, South Manchester
Hospital GroupSpire Healthcare
Key SpecialismsOrthopaedics, Sports Medicine, Cardiology, Urology
CQC RatingGood
Patient RoomsPrivate, en-suite
Standout FeatureModern facility with integrated Perform sports centre

The Wilmslow Hospital, Wilmslow

Located just south of Manchester in the affluent town of Wilmslow, this hospital is part of HCA Healthcare UK – the group behind The Lister, The Portland, and London Bridge Hospital. It positions itself as a premium, consultant-led outpatient and diagnostic facility.

Overview: The Wilmslow Hospital focuses primarily on outpatient services, diagnostics, and day-case surgery. It acts as a gateway to its sister hospital, The Christie Private Care, and the wider HCA network for more complex inpatient procedures.

Specialist Areas & Treatments:

  • Advanced Diagnostics: Its primary strength is its cutting-edge imaging technology, including 3T MRI, CT, and digital mammography.
  • Private GP Services: Offers fast access to private GP appointments for consultations and health screenings.
  • Dermatology and Plastics: Specialist clinics for skin conditions and cosmetic procedures.
  • Paediatrics: Offers outpatient consultations with specialist paediatricians.

Facilities & Patient Experience: The environment is modern, calm, and discreet. As it's mainly an outpatient centre, the focus is on efficient, high-quality diagnostics and consultations. Patients requiring an overnight stay are typically transferred to a partner HCA hospital.

CQC Rating: The Wilmslow Hospital is currently rated as Good overall by the CQC.

FeatureThe Wilmslow Hospital
LocationWilmslow, Cheshire
Hospital GroupHCA Healthcare UK
Key SpecialismsDiagnostics (MRI, CT), Private GP, Outpatients
CQC RatingGood
Patient RoomsPrimarily day-case and outpatient facility
Standout FeaturePart of the prestigious HCA network, focus on tech

Oaklands Hospital, Salford

Part of Ramsay Health Care, a global hospital group, Oaklands Hospital serves the communities of Salford, Bolton, and North Manchester. It has been providing private healthcare for over 25 years and has a strong local reputation.

Overview: Oaklands is a well-established hospital offering a broad range of surgical and medical services. It is known for its friendly atmosphere and strong links with the local community, treating both private and NHS-referred patients.

Specialist Areas & Treatments:

  • Orthopaedics: A core service, with high volumes of hip, knee, and shoulder surgery.
  • Ophthalmology: Specialises in cataract surgery and other eye procedures.
  • General Surgery: A busy department covering hernias, gallbladder, and varicose vein surgery.
  • Gynaecology: Consultations and procedures for a range of women's health issues.

Facilities & Patient Experience: The hospital has 39 private patient rooms, three operating theatres, and a dedicated day-case unit. It offers a comprehensive physiotherapy service with a fully equipped gym to aid recovery. Patients often praise the caring and personalised approach of the staff.

CQC Rating: Oaklands Hospital is currently rated as Good overall by the CQC.

FeatureOaklands Hospital
LocationSalford
Hospital GroupRamsay Health Care
Key SpecialismsOrthopaedics, Ophthalmology, General Surgery
CQC RatingGood
Patient RoomsPrivate rooms
Standout FeatureStrong community feel and focus on core surgeries

How to Choose the Right Manchester Hospital for You

The "best" hospital is the one that best suits your personal and medical needs. Here are the key factors to consider:

  1. Check Your Insurance Policy: This is the most important step. Every private medical insurance UK policy has a "hospital list" specifying which facilities are covered. Basic policies may only cover local or partner hospitals, while comprehensive plans offer a nationwide choice. A PMI broker like WeCovr can help you find a policy with a hospital list that includes your preferred facilities.
  2. Consultant Choice: In private healthcare, your care is led by your chosen consultant. Most consultants have admitting rights at several hospitals. If you have a specific specialist in mind, you will need to choose a hospital where they practise.
  3. Required Specialism: If you need treatment for a specific condition, ensure the hospital has a strong reputation and experienced consultants in that area. For example, for complex cancer care, The Alexandra's link with The Christie is a major advantage.
  4. Location and Accessibility: Consider how easy it is for you to get to the hospital for your procedure and any follow-up appointments. Also, think about visitors – is it convenient for your family and friends?
  5. Read CQC Reports: The CQC provides impartial, in-depth reports on safety, effectiveness, and leadership. It’s always wise to read the latest report for any hospital you are considering.

The Cost of Private Treatment in Manchester and How PMI Helps

Paying for private treatment yourself (self-pay) can be expensive. While prices vary, it gives you an idea of the costs that a good PMI policy can cover.

Here are some indicative costs for common procedures in the Manchester area:

ProcedureIndicative Self-Pay Cost (2025)
Initial Consultation£200 - £350
MRI Scan (one part)£400 - £750
Cataract Surgery (one eye)£2,500 - £3,500
Hip Replacement£13,000 - £16,000
Knee Replacement£14,000 - £17,000

Disclaimer: These are estimated costs and can vary significantly between providers and based on the specifics of your case. They are for illustrative purposes only.

A private medical insurance policy is designed to cover these costs. You pay a monthly or annual premium, and when you need treatment, the insurer pays the hospital and specialist directly (minus any excess you've chosen). The cost of your premium depends on factors like your age, location, the level of cover you choose, and your medical history.

Beyond the Hospital: Wellness and Healthy Living in Manchester

Staying healthy is the best way to avoid needing hospital treatment. At WeCovr, we believe in proactive health, and Manchester offers fantastic opportunities to lead a healthy lifestyle.

  • Healthy Eating: Explore the vibrant food markets like Altrincham Market or Mackie Mayor for fresh, local produce. Building a diet rich in fruits, vegetables, and whole grains is fundamental to good health.
  • Staying Active: You're never far from a green space in Greater Manchester. Enjoy a walk or run around Heaton Park or Sale Water Park. For more adventurous days, the stunning Peak District National Park is just a short train ride away, offering world-class hiking and cycling.
  • Proactive Health Tracking: To support your wellness journey, WeCovr provides complimentary access to our AI-powered nutrition and calorie tracking app, CalorieHero, for all PMI clients. It's a simple way to stay mindful of your diet and health goals.
  • Building Your Safety Net: We also believe in comprehensive protection. That's why we offer discounts on other insurance policies, such as life insurance or income protection, when you arrange your private health cover with us.

WeCovr: Your Partner in Navigating Manchester's Private Healthcare

Choosing a hospital is just one part of the puzzle. The first step is securing the right private medical insurance policy. This is where we come in.

As an independent, FCA-authorised PMI broker, WeCovr works for you, not the insurers. We take the time to understand your needs and budget before comparing policies from across the UK's leading providers. Our expert advice is completely free, and we are proud of the high satisfaction ratings we receive from our clients. We handle the paperwork and jargon, presenting you with clear, simple options so you can make an informed decision with confidence.

Can I use private medical insurance for a pre-existing condition?

Generally, no. Standard UK private medical insurance is designed to cover acute conditions that develop after your policy begins. Pre-existing conditions, which are any health issues you had before taking out cover, are typically excluded. The same applies to chronic conditions like diabetes or asthma, which require ongoing management rather than a short-term cure.

Which UK insurers cover the private hospitals in Manchester?

Most major UK insurers, including Aviva, Axa Health, Bupa, and Vitality, have agreements with the main private hospitals in Manchester like The Alexandra, Spire Manchester, and Oaklands. However, the exact hospitals available to you will depend on the specific 'hospital list' tied to your policy. A broker like WeCovr can help you find a policy that includes your preferred hospitals.

How much does private health insurance cost in the UK?

The cost of a policy varies widely based on several factors: your age, your location (premiums can differ by postcode), the level of cover you choose (e.g., diagnostics only vs. full treatment), the excess you agree to pay, and your underwriting type. The only way to get an accurate figure is to get a personalised quote.

Do I need a GP referral to see a private consultant in Manchester?

In most cases, yes. The vast majority of private medical insurance policies require a referral from your NHS or a private GP before you can see a specialist. This ensures that the treatment is medically necessary and helps the insurer process your claim smoothly. Some modern policies now offer direct access to certain services, like physiotherapy or digital GP appointments, without a referral.

Ready to explore your private healthcare options in Manchester? The expert team at WeCovr is here to help. Get your free, no-obligation quote today and find the perfect private medical insurance policy for you.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.


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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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