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the Complete Guide to Private Medical Treatment Costs in the UK 2026

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 20, 2026
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TL;DR

The landscape of healthcare in the United Kingdom has undergone a dramatic transformation in recent years. With NHS waiting lists reaching a staggering 7.5 million cases in May 2026, an increasing number of Britons are turning to private healthcare as a viable alternative. This comprehensive guide provides everything you need to know about private medical costs across the UK, from initial consultations to complex surgeries, helping you make informed decisions about your healthcare journey.

Key takeaways

  • Hip replacement: £11,000-£17,000 (average £14,000) (illustrative)
  • Knee replacement: £12,000-£16,000 (average £13,500) (illustrative)
  • ACL repair: £6,000-£12,000 (average £8,300) (illustrative)
  • Gallbladder removal: £5,500-£8,500 (average £6,900) (illustrative)
  • Hernia repair: £3,200-£5,500 (average £3,800) (illustrative)

The Complete Guide to Private Medical Treatment Costs in the UK: 2026 Edition

The landscape of healthcare in the United Kingdom has undergone a dramatic transformation in recent years. With NHS waiting lists reaching a staggering 7.5 million cases in May 2026, an increasing number of Britons are turning to private healthcare as a viable alternative. This comprehensive guide provides everything you need to know about private medical costs across the UK, from initial consultations to complex surgeries, helping you make informed decisions about your healthcare journey.

The Current State of Private Healthcare in the UK

The private healthcare market in the UK has experienced unprecedented growth, valued at a record-breaking £14.9 billion in 2024. This surge reflects a fundamental shift in how Britons approach healthcare, with record levels of private medical cover now protecting over 8.2 million people - representing over 12% of the UK population.

The numbers tell a compelling story: private medical insurance claims reached £3.9 billion in 2024, representing a 19% increase from the previous year. This dramatic rise isn't merely about preference - it's about necessity. With NHS waiting times for non-urgent treatments often exceeding 52 weeks, private healthcare has evolved from luxury to lifeline.

Recent data reveals several critical trends shaping the private healthcare landscape:

  • Record hospital admissions: Private hospitals reported 245,000 admissions in Q1 2026 alone
  • Insurance uptake surge: 60% of private healthcare users now pay through PMI, up from 58% in 2024
  • Employer benefits expansion: 4.8 million people now receive private medical cover through workplace schemes
  • Self-pay market growth: Out-of-pocket expenditure increased by 9% in 2023, outpacing insurance growth

Understanding Private Healthcare Costs: The Complete Breakdown

Initial Consultation Fees

The first step in any private healthcare journey begins with a consultation. The average cost of seeing a private consultant in the UK is £195, though this varies significantly based on speciality and location.

Consultation costs by speciality:

  • Psychiatrists: £300 (the most expensive specialty) (illustrative)
  • General consultations: £120-£500 (illustrative)
  • Physiotherapists: £67 (the most affordable) (illustrative)
  • Practice Plus Group: Fixed £95 (includes X-rays, blood tests, and swabs) (illustrative)

Regional variations are substantial, with London consultations costing on average 27% more than the rest of the UK. For instance, a private ophthalmology consultation in Manchester averages £250, whilst the same service in Northern Ireland costs approximately £150. (illustrative estimate)

Diagnostic Services: The Foundation of Private Care

Diagnostic services represent one of the most accessible entry points into private healthcare, often providing rapid results that can significantly expedite treatment decisions.

Diagnostic imaging costs:

  • MRI scans: £249-£2,000 (average £800) (illustrative)
  • CT scans: £355-£850 (average £600) (illustrative)
  • X-rays: £100-£300 (average £200) (illustrative)
  • Blood tests: £43-£377 (average £150) (illustrative)
  • Echocardiogram: £225 (illustrative)
  • Ultrasound: £225

The speed advantage is remarkable: whilst NHS diagnostic waiting times can extend 6-18 weeks, private scans are typically available within 1-3 days.

Major Surgery Costs: A Comprehensive Analysis

Major private surgery costs in the UK showing average prices for common procedures in 2026

Major private surgery costs in the UK in 2026

The chart above illustrates the substantial investment required for major private surgeries. These procedures represent the most significant healthcare expenses but also offer the greatest time savings compared to NHS alternatives.

Orthopaedic procedures dominate the high-cost category:

  • Hip replacement: £11,000-£17,000 (average £14,000) (illustrative)
  • Knee replacement: £12,000-£16,000 (average £13,500) (illustrative)
  • ACL repair: £6,000-£12,000 (average £8,300) (illustrative)

General surgery encompasses a broad range of procedures:

  • Gallbladder removal: £5,500-£8,500 (average £6,900) (illustrative)
  • Hernia repair: £3,200-£5,500 (average £3,800) (illustrative)
  • Varicose vein treatment: £1,800-£4,500 (average £3,500) (illustrative)

Bariatric surgery offers life-changing procedures:

  • Gastric bypass: £8,000-£12,000 (average £9,500) (illustrative)
  • Gastric sleeve: £7,000-£10,000 (average £8,400) (illustrative)

Specialist Treatment Areas

Ophthalmology services:

  • Cataract surgery: £1,995-£4,000 per eye (average £2,500) (illustrative)
  • Private providers like Practice Plus Group offer cataract surgery from £1,995, significantly less than competitors charging £3,000-£4,000 (illustrative)

Cosmetic and reconstructive surgery:

  • Facelift and necklift: £9,000-£15,000 (average £11,100) (illustrative)
  • Breast enlargement: £7,549 (illustrative)
  • Tummy tuck: £9,314 (illustrative)
  • Rhinoplasty: £7,439 (illustrative)

Dental surgery:

  • Simple tooth extraction: £200-£700 (illustrative)
  • Surgical wisdom tooth removal: £1,150-£2,500 (illustrative)
  • Full dental clearance: £1,749 (illustrative)

Regional Cost Variations Across the UK

The cost of private healthcare varies dramatically across different regions of the United Kingdom, reflecting local economic conditions, competition levels, and operational expenses.

London: The Premium Healthcare Hub

London commands the highest private healthcare costs in the UK, with premiums averaging 22.9% above the national average. Chiswick specifically represents the most expensive location, with costs 30.18% higher than the national average.

London-specific pricing examples:

  • Private GP consultation: £298-£596 (The London General Practice) (illustrative)
  • House calls: £525-£595 per hour door-to-door (illustrative)
  • Health screening packages: £1,560-£9,000 (illustrative)

Regional Price Variations

Most affordable regions:

  • Newcastle upon Tyne: 16.6% below national average
  • Northern Ireland: Consistently lower across specialties
  • North East England: 14.9% below national average

Premium locations:

  • London (various boroughs): 22.9% above average
  • Birmingham: Higher than national average for specialist consultations
  • Manchester: Premium pricing for specialist services

Leading Private Hospital Groups and Facilities

London's Premier Private Hospitals

HCA Healthcare UK stands as the largest private healthcare provider globally and one of the UK's leading networks. Their facilities include:

  • The Wellington Hospital: Advanced cardiac and neurology centres
  • The Princess Grace Hospital: 127 private ensuite rooms, seven operating theatres
  • London Bridge Hospital: Cost-effective option with state-of-the-art facilities

Specialist Excellence Centres:

  • Royal Brompton & Harefield: World-leading heart and lung care
  • The London Clinic: 24/7 same-day GP access, over 1,000 support staff
  • Moorfields Private: World-renowned ophthalmology services
  • Great Ormond Street Hospital: Leading paediatric care centre

Major Private Hospital Networks

Spire Healthcare: 38 award-winning private hospitals with over 3,700 consultants

  • Consultation fees: £120-£500 (illustrative)
  • Comprehensive treatment pricing varies by location

Nuffield Health: Extensive network with consultant-set pricing

  • Variable consultation costs based on specialist experience

BMI Healthcare: Part of the major private hospital landscape

  • Regional presence across England

Circle Health Group: Consultation fees from £200 (illustrative estimate)

  • Focus on fixed-price transparency

Boutique and Specialist Facilities

Weymouth Street Hospital: Described as "Britain's ultimate boutique hospital"

  • Voted London's best private hospital across 12 categories
  • Premium luxury facilities with state-of-the-art technology

Cromwell Hospital: Attracts patients from 140+ countries

  • Specialises in cancer care, transplants, and robotic surgery
  • 99.57% PLACE rating for patient comfort

Private Medical Insurance: Your Gateway to Affordable Private Healthcare

Private Medical Insurance has become increasingly accessible, with average monthly costs significantly lower than many expect:

  • Individual coverage: £79.59 per month (illustrative)
  • Couple coverage: £145.77 per month (illustrative)
  • Family of four: £166.52 per month (illustrative)

However, these costs are experiencing upward pressure, with PMI costs expected to increase by 11.5% in 2026, outpacing the global average.

Age significantly impacts PMI costs:

  • 20-year-old: £28.09 (basic) to £40.80 (comprehensive) (illustrative)
  • 70-year-old: £136.98 (basic) to £200.60 (comprehensive) (illustrative)

Geographic impact on premiums:

  • London: 22.9% above national average
  • Newcastle: 16.6% below national average
  • National average 50-year-old: £66.33 (Newcastle) vs £103.61 (London) (illustrative)

Leading PMI Providers

Market leaders by customer satisfaction:

  • WPA: Only Which? Recommended Provider of PMI
  • Benenden Health: Winner of 'Private Healthcare Provider of the Year' 2026
  • Bupa: 2.3 million customers, average £75.35 monthly (illustrative)
  • AXA Health: Access to over 250 hospitals
  • Vitality Health: Digital-first approach with wellness rewards

The Value of Professional PMI Brokers

Navigating the complex PMI landscape often requires expert guidance. Specialist brokers like WeCovr can arrange comprehensive PMI policies tailored to individual needs, ensuring customers receive appropriate coverage for their chosen private healthcare providers.

Professional brokers offer several advantages:

  • Whole-market comparison: Access to all major insurers
  • Policy customisation: Tailored coverage based on individual requirements
  • Claims support: Assistance throughout the claims process
  • Cost optimisation: Potential savings up to 38% through expert negotiation

Self-Pay vs Insurance: Making the Right Choice

When Self-Pay Makes Sense

Self-pay can be cost-effective for:

  • Routine consultations: £120-£500 one-off costs (illustrative)
  • Minor procedures: Under £3,000 total cost (illustrative)
  • Diagnostic tests: £43-£2,000 depending on complexity (illustrative)
  • Emergency situations: When immediate treatment is required

Insurance Benefits for Major Procedures

PMI becomes invaluable for:

  • Major surgery: Procedures exceeding £10,000 (illustrative)
  • Cancer treatment: Comprehensive care pathways
  • Chronic conditions: Ongoing treatment requirements
  • Multiple procedures: Annual healthcare needs

Cost comparison example over five years:

  • Self-pay total: £19,970 (including hip replacement) (illustrative)
  • PMI total: £6,550 (premiums plus excess) (illustrative)
  • Potential savings: £13,420 through insurance coverage

NHS vs Private: Understanding the True Cost Difference

Waiting Time Comparisons

The stark difference in waiting times represents the primary value proposition of private healthcare:

NHS current statistics:

  • Total waiting list: 7.5 million cases
  • Over 18-week waits: 60% of patients exceed target
  • 52+ week waits: Common for joint replacements

Private healthcare timelines:

  • Initial consultation: 1-2 weeks
  • Major surgery: 4-6 weeks from consultation
  • Diagnostic scans: 1-3 days
  • Results and treatment planning: Within days

The Hidden Costs of NHS Delays

Extended NHS waiting periods create substantial hidden costs:

  • Lost earnings: Inability to work during prolonged illness
  • Deteriorating health: Conditions worsening without treatment
  • Mental health impact: Anxiety and depression from uncertainty
  • Family impact: Carer burden and relationship stress

Research suggests these factors can create a lifetime personal health bill exceeding £3.5 million when accounting for lost earnings, deteriorating conditions, and eventual private treatment costs. (illustrative estimate)

Market Growth Trajectories

The UK private healthcare market demonstrates robust growth prospects:

  • Current market value: £15.2 billion (2026) (illustrative)
  • Projected 2033 value: £20 billion (illustrative)
  • Expected CAGR: 3.5% (2026-2033)

Driving Forces Behind Growth

Several factors continue propelling market expansion:

  • NHS capacity constraints: Persistent waiting list challenges
  • Ageing population: Increased healthcare demand
  • Medical technology advances: Enhanced treatment options
  • Health consciousness: Post-pandemic wellness focus

Digital health integration:

  • NHS App expansion saving over 1.7 million missed appointments
  • Telemedicine adoption accelerating
  • Digital-first insurance models growing

Employer benefits expansion:

  • 55% more likely to apply for jobs offering PMI
  • Corporate healthcare spending increasing
  • Employee wellbeing prioritisation

Specialist Treatment Costs by Medical Discipline

Cardiology and Cardiac Surgery

Cardiac care represents one of the most critical and expensive private healthcare specialties:

  • Initial cardiac consultation: £200-£400 (illustrative)
  • Echocardiogram: £225 (illustrative)
  • Cardiac catheterisation: £3,000-£8,000 [estimated]
  • Heart surgery: £15,000-£50,000+ [estimated]

Leading facilities:

  • Royal Brompton & Harefield: World-renowned cardiac specialists
  • The Wellington Hospital: Advanced cardiac centres

Oncology Treatment

Cancer care involves complex, multi-stage treatment pathways:

  • Initial oncology consultation: £250-£500 [estimated]
  • Chemotherapy cycles: £2,000-£10,000+ per cycle [estimated]
  • Radiotherapy courses: £5,000-£15,000 [estimated]
  • Cancer surgery: £8,000-£30,000+ [estimated]

Specialist centres:

  • The Royal Marsden: World's first cancer hospital
  • Cromwell Hospital: Integrated Cancer Campus

Mental Health Services

Mental health support has become increasingly important:

  • Psychiatric consultation: £300 (highest specialty cost) (illustrative)
  • Therapy sessions: £100-£200 per session [estimated]
  • Residential treatment: £500-£1,500 per day [estimated]

Fertility and Reproductive Health

Fertility treatments represent significant investment:

  • Fertility consultation: £200-£350 [estimated]
  • IVF cycle: £4,000-£8,000 [estimated]
  • Egg freezing: £3,000-£5,000 [estimated]

Paediatric Care

Children's healthcare requires specialist expertise:

  • Paediatric consultation: £200-£400 [estimated]
  • Children's surgery: Varies significantly by procedure [estimated]

Leading facility:

  • Great Ormond Street Hospital: International paediatric excellence

Understanding What's Included in Private Healthcare Costs

Comprehensive Package Pricing

Most private hospitals offer fixed-price surgery packages that include:

  • Pre-operative assessment: Complete health evaluation
  • Consultant fees: Surgeon and anaesthetist costs
  • Hospital charges: Theatre time, nursing care
  • Accommodation: Private room during stay
  • Medications: Prescribed drugs during treatment
  • Follow-up care: Post-operative appointments
  • Physiotherapy: Rehabilitation support when required

Additional Costs to Consider

Potential extra charges:

  • Diagnostic tests: May require separate billing
  • Complications: Additional procedures if needed
  • Extended stay: Beyond standard recovery period
  • Premium room upgrades: Enhanced accommodation

Cost Transparency Initiatives

Leading providers emphasise pricing clarity:

  • Practice Plus Group: "No hidden costs" guarantee
  • All-inclusive pricing: Fixed quotes regardless of complications
  • Upfront estimates: Complete cost breakdowns before treatment

How to Choose the Right Private Healthcare Option

Assessing Your Healthcare Needs

Consider these factors when evaluating private healthcare:

Immediate requirements:

  • Current health conditions requiring attention
  • Urgency of required treatment
  • Specialist expertise needed

Financial considerations:

  • Available budget for healthcare expenses
  • Monthly insurance premium affordability
  • Potential for significant future healthcare needs

Lifestyle factors:

  • Work commitments and scheduling flexibility
  • Geographic preferences for treatment locations
  • Family healthcare requirements

Working with Healthcare Insurance Brokers

Professional insurance brokers like WeCovr provide invaluable expertise in navigating complex PMI options:

Broker services include:

  • Needs assessment: Comprehensive evaluation of healthcare requirements
  • Market comparison: Analysis of all available insurance options
  • Policy customisation: Tailoring coverage to specific needs
  • Claims support: Assistance throughout the treatment process
  • Ongoing review: Regular policy assessment and optimisation

Benefits of professional guidance:

  • Cost savings: Expert negotiation and market knowledge
  • Comprehensive coverage: Ensuring appropriate protection levels
  • Claims efficiency: Smooth processing when treatment is needed
  • Peace of mind: Confidence in healthcare coverage decisions

Evaluating Hospital and Provider Options

Key selection criteria:

  • Speciality expertise: Relevant medical specialisation
  • Facility accreditation: CQC ratings and certifications
  • Consultant qualifications: Specialist experience and training
  • Technology availability: Advanced equipment and techniques
  • Location convenience: Accessibility for treatment and follow-up
  • Cost transparency: Clear, comprehensive pricing

Financial Planning for Private Healthcare

Budgeting Strategies

Monthly planning approach:

  • PMI premiums: £79.59 individual, £145.77 couple (illustrative)
  • Emergency fund: 3-6 months of potential healthcare costs
  • HSA considerations: Health savings account options

Annual healthcare budgeting:

  • Routine consultations: £500-£1,500 annual allocation [estimated]
  • Diagnostic services: £500-£2,000 for comprehensive screening [estimated]
  • Emergency procedures: £5,000-£15,000 reserve fund [estimated]

Financing Options

Available payment methods:

  • 0% finance plans: Available at many private hospitals
  • Payment plans: Spreading costs over time
  • Credit options: Healthcare-specific lending
  • Corporate schemes: Employer-sponsored benefits

Tax Considerations

Potential tax benefits:

  • Corporate PMI: Employer contributions may be tax-efficient [estimated]
  • Self-employed expenses: Some treatments may be deductible [estimated]
  • Health savings accounts: Tax-advantaged healthcare savings [estimated]

Future Outlook: The Evolution of UK Private Healthcare

Technological Advancement

Emerging technologies reshaping healthcare:

  • Robotic surgery: Enhanced precision and outcomes
  • AI diagnostics: Faster, more accurate diagnoses [estimated]
  • Telemedicine: Remote consultation capabilities
  • Personalised medicine: Tailored treatment approaches [estimated]

Market Consolidation

Industry developments:

  • PureHealth acquisition of Circle Health: International expansion
  • NHS partnership growth: Increased collaboration
  • Digital platform integration: Technology-driven services

Regulatory Environment

Evolving healthcare landscape:

  • CQC standards: Enhanced quality requirements
  • Pricing transparency: Increased cost disclosure
  • Patient rights: Strengthened consumer protections [estimated]

Sustainability and Access

Long-term market considerations:

  • Workforce development: Training specialist professionals [estimated]
  • Infrastructure investment: Hospital and clinic expansion
  • Accessibility initiatives: Broadening healthcare access [estimated]

Conclusion: Making Informed Private Healthcare Decisions

The UK private healthcare landscape in 2026 presents both opportunities and challenges for individuals seeking quality medical care. With NHS waiting lists at unprecedented levels and private healthcare costs becoming increasingly transparent, the decision to invest in private medical treatment has never been more relevant.

Key takeaways for healthcare consumers:

  • Cost predictability: Private healthcare offers transparent, fixed pricing compared to uncertain NHS waiting periods
  • Time efficiency: Significant time savings across all treatment categories, from days for diagnostics to weeks for major surgery
  • Quality assurance: Access to leading consultants, advanced technology, and premium facilities
  • Financial protection: PMI provides substantial cost protection for major medical expenses

The value of professional guidance cannot be overstated. Specialist PMI brokers like WeCovr offer invaluable expertise in navigating complex insurance options, ensuring individuals and families receive appropriate coverage for their healthcare needs whilst optimising costs and maximising benefits.

As the private healthcare market continues evolving, with projected growth to £20 billion by 2033, early investment in appropriate coverage becomes increasingly valuable. Whether choosing comprehensive PMI or strategic self-pay options, informed decision-making supported by professional guidance ensures access to high-quality healthcare when it matters most.

The choice between NHS and private healthcare need not be absolute – many successful healthcare strategies combine both systems, utilising private care for urgent needs whilst maintaining NHS access for routine services. The key lies in understanding your options, evaluating your needs, and making informed decisions supported by expert guidance from specialists like WeCovr who can arrange comprehensive PMI policies tailored to your specific requirements.

Private healthcare in the UK represents not just an alternative to NHS services, but a complement that ensures comprehensive health protection for you and your family. With proper planning and professional support, private medical treatment becomes an accessible, valuable investment in your long-term health and wellbeing.

For personalised private medical insurance quotes and expert guidance on accessing the UK's leading private healthcare facilities, contact WeCovr's specialist advisers who can arrange comprehensive PMI policies tailored to your specific needs and budget.

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  • england.nhs.uk/statistics/statistical-work-areas/rtt-waiting-times/

  • phin.org.uk/news/private-healthcare-market-update-September-2024-United-Kingdom-phin

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.

Related tools

NHS Wait vs Private Cost MapOpen →
Private Surgery Price ListOpen →
Health Risk AssessmentOpen →
Can I Get Covered? CheckerOpen →
International PMI CalculatorOpen →
PMI Provider ReviewsOpen →
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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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How It Works

1. Complete a brief form
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2. Our experts analyse your information and find you best quotes
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3. Enjoy your protection!
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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.

Learn more

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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!