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The Complete UK PMI Buyers Guide 2026

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

As an FCA-authorised expert that has helped arrange over 900,000 policies, WeCovr presents the definitive guide to private medical insurance in the UK. This handbook is designed to give you the clarity and confidence to choose the right health cover for you and your family in 2026. WeCovr's flagship handbook for health insurance buyers Welcome to your essential guide to navigating the UK private medical insurance (PMI) market.

Key takeaways

  • Waiting Times: The median waiting time for non-emergency treatment can stretch to several months, and for some specialities, even longer. This wait can impact your quality of life, ability to work, and overall wellbeing.
  • Choice and Control: PMI gives you more control over your healthcare journey. You can often choose your specialist, select a hospital that is convenient for you, and schedule treatment at a time that fits your life.
  • Comfort and Privacy: Private hospitals typically offer private en-suite rooms, more flexible visiting hours, and a quieter environment, which can make a significant difference during recovery.
  • See Your GP: Your journey almost always starts with your NHS GP. You discuss your symptoms, and if they feel you need to see a specialist, they will provide you with a referral. For most PMI policies, an 'open referral' is best, meaning they refer you to a type of specialist (e.g., a cardiologist) rather than a named individual.
  • Contact Your Insurer: With your GP referral in hand, you call your insurance provider's claims line. You'll explain the situation and provide the details of the referral.

As an FCA-authorised expert that has helped arrange over 900,000 policies, WeCovr presents the definitive guide to private medical insurance in the UK. This handbook is designed to give you the clarity and confidence to choose the right health cover for you and your family in 2026.

WeCovr's flagship handbook for health insurance buyers

Welcome to your essential guide to navigating the UK private medical insurance (PMI) market. In an era of shifting healthcare landscapes, taking control of your health has never been more important. This guide will demystify PMI, explain your options in plain English, and empower you to make an informed decision.

What is Private Medical Insurance (PMI) and Why Consider It in 2026?

Private Medical Insurance, often called private health cover, is an insurance policy designed to cover the costs of private healthcare for acute medical conditions. In simple terms, you pay a monthly or annual premium, and in return, the insurer covers the expense of eligible treatments in private hospitals and facilities.

It's crucial to understand that PMI is not a replacement for the National Health Service (NHS). The NHS remains a cornerstone of UK healthcare, providing excellent emergency care, GP services, and treatment for chronic conditions. PMI works alongside the NHS, offering a complementary route to faster diagnosis and treatment for specific, non-emergency conditions.

Why is PMI becoming more relevant in 2026?

The NHS, while remarkable, is facing unprecedented pressure. According to the latest NHS England data, the referral to treatment (RTT) waiting list remains a significant challenge. As of early 2026, millions of people are waiting for consultant-led elective care.

  • Waiting Times: The median waiting time for non-emergency treatment can stretch to several months, and for some specialities, even longer. This wait can impact your quality of life, ability to work, and overall wellbeing.
  • Choice and Control: PMI gives you more control over your healthcare journey. You can often choose your specialist, select a hospital that is convenient for you, and schedule treatment at a time that fits your life.
  • Comfort and Privacy: Private hospitals typically offer private en-suite rooms, more flexible visiting hours, and a quieter environment, which can make a significant difference during recovery.

For many, the primary driver for considering private medical insurance in the UK is peace of mind. It’s the reassurance that should you or a loved one fall ill with an eligible condition, you can access high-quality care without a long wait.

How Does Private Health Cover Actually Work?

Understanding the process is simpler than you might think. Here is a typical step-by-step journey from feeling unwell to receiving private treatment:

  1. See Your GP: Your journey almost always starts with your NHS GP. You discuss your symptoms, and if they feel you need to see a specialist, they will provide you with a referral. For most PMI policies, an 'open referral' is best, meaning they refer you to a type of specialist (e.g., a cardiologist) rather than a named individual.
  2. Contact Your Insurer: With your GP referral in hand, you call your insurance provider's claims line. You'll explain the situation and provide the details of the referral.
  3. Get Authorisation: The insurer will check that your policy covers the condition and proposed treatment. If it's eligible, they will give you an authorisation number.
  4. Choose Your Specialist and Hospital: Your insurer will provide a list of recognised specialists and hospitals from your chosen hospital list. You can then book your consultation and any subsequent treatment.
  5. Receive Treatment: You attend your appointments and receive the necessary care in a private facility.
  6. Bills are Settled Directly: The hospital and specialists will usually send their invoices directly to your insurance company. Apart from any excess you've agreed to pay, you won't have to handle the bills yourself.

The Golden Rule: What PMI Covers (and What It Doesn't)

This is the most critical part of understanding PMI. Policies are designed for 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 lead to a full recovery. Think of conditions like cataracts, joint replacements, or hernias.

Here’s a clear breakdown of what is typically covered and what is not.

Usually Covered (Acute Conditions)Almost Never Covered
Inpatient & day-patient treatment (e.g., surgery)Pre-existing conditions (illnesses you had before joining)
Consultations with specialistsChronic conditions (long-term illnesses like diabetes, asthma, high blood pressure)
Diagnostic tests (MRI, CT scans, X-rays)A&E / Emergency services
Cancer treatment (often very comprehensive cover)Normal pregnancy and childbirth
Mental health support (may be an add-on)Cosmetic surgery (unless medically necessary)
Physiotherapy and other therapies (often an add-on)Treatment for alcohol or substance abuse

A Critical Note on Pre-existing and Chronic Conditions

Standard UK private medical insurance does not cover chronic conditions. These are long-term conditions that require ongoing management rather than a short-term cure. Your NHS GP will continue to be your primary caregiver for these.

Similarly, pre-existing conditions – any illness or symptom you had before your policy started – are typically excluded. The way these are handled depends on your choice of underwriting, which we'll explain next.

Decoding PMI Jargon: Your A-Z of Key Terms

The world of insurance can be filled with confusing terms. Here are the key ones explained simply:

  • Underwriting: This is the process an insurer uses to assess your health and medical history to decide what they will and won't cover.
  • Moratorium Underwriting: The most common type. You don't declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms, treatment, or advice for in the 5 years before your policy began. This exclusion can be lifted if you remain symptom-free for that condition for a continuous 2-year period after your policy starts.
  • Full Medical Underwriting (FMU): You complete a detailed medical questionnaire when you apply. The insurer assesses your history and tells you from day one exactly what is and isn't covered. It provides more certainty but can take longer to set up.
  • Excess: The amount you agree to pay towards the cost of a claim. For example, if you have a £250 excess and your treatment costs £3,000, you pay the first £250, and your insurer pays the remaining £2,750. A higher excess usually means a lower premium.
  • Hospital List: Insurers have different tiers of hospitals. A comprehensive list including central London hospitals will be more expensive than a list covering local private hospitals.
  • Benefit Limits: The maximum amount an insurer will pay out for a particular treatment or service per year. Most core policies have very high or unlimited limits for inpatient care.
  • Open Referral: When your GP refers you to a type of specialist (e.g., a dermatologist) rather than a specific named doctor. Most insurers require this to guide you to a specialist within their approved network.

Choosing Your Level of Cover: Core vs. Comprehensive

PMI policies are built like blocks. You start with a core foundation and then add optional extras to suit your needs and budget.

Core Cover (The Foundation)

This is the standard, entry-level cover offered by all providers. It typically includes the most expensive treatments:

  • Inpatient and Day-Patient Treatment: Covers costs for surgery and procedures where you need a hospital bed, either overnight (inpatient) or for the day (day-patient). This includes surgeons' fees, anaesthetist fees, and hospital charges.
  • Cancer Cover: Most core policies provide extensive cancer cover, including chemotherapy, radiotherapy, and surgery. This is a major reason many people choose PMI.

Optional Add-ons (The Building Blocks)

You can enhance your policy with a range of optional benefits:

  • Outpatient Cover: This is the most popular add-on. It covers diagnostic tests and consultations with a specialist that don't require a hospital bed. Without this, you would rely on the NHS for your initial diagnosis before being able to use your PMI for treatment.
  • Therapies Cover: Covers treatments like physiotherapy, osteopathy, and chiropractic care.
  • Mental Health Cover: Provides access to psychiatrists, psychologists, and therapists. This has become an increasingly sought-after benefit.
  • Dental & Optical Cover: Helps with the costs of routine check-ups, dental treatment, and prescription eyewear.
Policy LevelExample InclusionsBest For
Basic (Core)Inpatient/Day-patient care, comprehensive cancer cover.Someone on a budget, primarily concerned with covering major surgical procedures.
IntermediateCore cover + limited Outpatient cover (e.g., £1,000 limit).A good balance of cover and cost, providing access to diagnosis as well as treatment.
ComprehensiveCore cover + full Outpatient cover, Therapies, and Mental Health.Someone wanting complete peace of mind and the widest range of benefits.

The Underwriting Crossroads: Moratorium vs. Full Medical Underwriting (FMU)

When you buy a policy, you must choose your underwriting method. This is a crucial decision that determines how pre-existing conditions are handled.

FeatureMoratorium (Mori)Full Medical Underwriting (FMU)
Application ProcessQuick and simple. No medical forms.Longer process. Requires a full medical declaration.
Pre-existing ConditionsAutomatically excluded if present in the 5 years before joining.Declared upfront and assessed by the insurer.
Clarity of CoverCan be uncertainty at the point of claim, as the insurer will check your history then.Clear from day one. You receive a list of any specific exclusions on your policy certificate.
Claim ProcessPotentially slower, as the insurer may need to request medical records to check if a condition is new.Generally faster, as the decision on cover has already been made.
Best ForPeople with a clean bill of health or those who want a quick start.People with a complex medical history who want absolute certainty about what's covered.

At WeCovr, our expert advisors can help you understand which underwriting option is most suitable for your personal circumstances.

How Much Does Private Medical Insurance UK Cost in 2026?

The cost of a PMI policy is highly individual. There's no one-size-fits-all price. Premiums are calculated based on several key factors:

  • Age: This is the single biggest factor. Premiums increase as you get older.
  • Location: Living in or near major cities, especially London, usually results in higher premiums due to the higher cost of private treatment there.
  • Level of Cover: A comprehensive policy with full outpatient cover and therapy add-ons will cost more than a basic core policy.
  • Excess: Choosing a higher excess will lower your premium.
  • Hospital List: A nationwide list including premium central London hospitals is more expensive than a regional or local list.
  • Lifestyle: Some insurers ask if you smoke, and being a non-smoker will result in a lower price.

Illustrative Monthly Premiums (2026 Estimates)

These are for guidance only. Your actual quote will vary.

ProfileBasic Core Policy (Manchester, £250 excess)Comprehensive Policy (London, £100 excess)
30-year-old, non-smoker£35 - £50£70 - £95
45-year-old, non-smoker£55 - £75£110 - £140
60-year-old, non-smoker£100 - £140£200 - £280

Smart Ways to Save Money on Your PMI Policy

While PMI is a valuable investment, there are several ways to manage the cost without compromising on essential cover:

  1. Increase Your Excess: Opting for a £250 or £500 excess can significantly reduce your monthly premium.
  2. Choose a 6-Week Wait Option: This popular option means you agree to use the NHS if the treatment you need has a waiting list of less than six weeks. If the wait is longer, your private cover kicks in. This can reduce your premium by 20-30%.
  3. Select a Limited Hospital List: If you don't need access to expensive city-centre hospitals, choosing a more restricted list of quality local hospitals is a great way to save.
  4. Pay Annually: Most insurers offer a small discount if you pay your premium for the year upfront.
  5. Review Your Cover Regularly: Your needs change over time. An annual review ensures you're not paying for benefits you no longer need.
  6. Use an Expert PMI Broker: This is the most effective way to save. A broker like WeCovr compares policies from across the market to find the best value for your specific needs. Our service is completely free to you.

The UK's Leading PMI Providers: A 2026 Overview

The UK market is home to several excellent, well-established insurance providers. While we work with a wide panel of insurers, here are some of the main players:

ProviderKey Strengths & Focus
AvivaOne of the UK's largest insurers. Offers a strong core product and a "Healthier Solutions" policy with a clear, modular structure.
AXA HealthA global leader in insurance. Known for its "Personal Health" plan, strong mental health pathways, and excellent customer service.
BupaA household name in UK healthcare. Offers direct access to some services without a GP referral and owns a network of hospitals and clinics.
VitalityUnique in the market for its focus on wellness. Actively rewards healthy living with premium discounts, cinema tickets, and coffee vouchers.
WPAA not-for-profit organisation known for its flexible policies and high customer satisfaction ratings, often favoured by the self-employed.

Comparing these providers can be complex. Each has different definitions, benefit limits, and hospital lists. This is where using a broker adds immense value.

Why Use a PMI Broker Like WeCovr?

Navigating the private medical insurance market alone can be daunting. As an independent, FCA-authorised broker, WeCovr acts as your expert guide.

  • Impartial Advice: We are not tied to any single insurer. Our loyalty is to you, our client. We provide unbiased advice tailored to your needs.
  • Market-Wide Comparison: We have access to policies from a wide range of leading UK insurers, ensuring you see the best options available.
  • We Do the Hard Work: We decipher the jargon, compare the small print, and present you with clear, easy-to-understand choices.
  • No Cost to You: Our service is free. We receive a commission from the insurer you choose, which is already built into the premium. You pay the same price or less than going direct.
  • Ongoing Support: Our relationship doesn't end when you buy a policy. We're here to help with renewals and offer guidance if you need to make a claim.
  • Exclusive Benefits: When you arrange a policy through WeCovr, you gain complimentary access to our AI-powered nutrition app, CalorieHero, to support your wellness goals. You may also be eligible for discounts on other types of cover, like life or income protection insurance.

Beyond Insurance: Embracing a Healthier Lifestyle

While insurance is there for when things go wrong, the best approach to health is proactive. Small, consistent lifestyle changes can have a huge impact on your long-term wellbeing.

  • Nutrition: Aim for a balanced diet rich in fruits, vegetables, lean protein, and whole grains. Staying hydrated is equally important. Our CalorieHero app can help you track your intake and make healthier choices.
  • Sleep: Quality sleep is vital for physical and mental recovery. Adults should aim for 7-9 hours per night. Establish a regular sleep schedule and a relaxing bedtime routine.
  • Physical Activity: The NHS recommends at least 150 minutes of moderate-intensity activity (like brisk walking or cycling) or 75 minutes of vigorous-intensity activity (like running or swimming) a week.
  • Stress Management: Chronic stress can take a toll on your health. Incorporate stress-reducing activities into your day, such as mindfulness, spending time in nature, or simply taking short breaks away from your screen.

Frequently Asked Questions about UK Private Medical Insurance

Do I need to declare my full medical history to get private health cover?

It depends on the type of underwriting you choose. With 'Full Medical Underwriting' (FMU), you will need to complete a health questionnaire and declare your history. This provides certainty on what's covered from day one. With 'Moratorium' underwriting, you don't need to declare your history upfront, but any condition you've had in the five years before joining will be automatically excluded for at least the first two years of your policy.

Can I get private medical insurance if I have a pre-existing condition?

Generally, standard private medical insurance policies in the UK do not cover pre-existing conditions. The primary purpose of PMI is to cover new, acute conditions that arise after your policy begins. If you have a chronic or pre-existing condition, you will continue to receive care for it through the NHS.

Is PMI worth it if I'm young and healthy?

While you may be healthy now, illness or injury can happen unexpectedly at any age. Taking out a policy when you are young and healthy is the most affordable time to do so. It provides peace of mind that if you do need eligible treatment in the future, you can bypass long waiting lists and access care quickly, protecting your health, career, and finances.

How does making a claim affect my future PMI premiums?

Most UK private health insurance policies operate with a No Claims Discount (NCD). Similar to car insurance, your NCD increases each year you don't make a claim, leading to lower renewal premiums. If you do make a claim, your NCD level will typically be reduced, which will increase your premium at the next renewal. The specific impact varies by insurer.

Ready to take the next step?

Choosing the right private medical insurance is a significant decision. Let WeCovr make it simple. Our friendly, expert advisors are ready to help you compare the UK's leading insurers and find a policy that fits your life and your budget.

Get your free, no-obligation quote today and gain the peace of mind you deserve.

Sources

  • Department for Transport (DfT): Road safety and transport statistics.
  • DVLA / DVSA: UK vehicle and driving regulatory guidance.
  • Association of British Insurers (ABI): Motor insurance market and claims publications.
  • Financial Conduct Authority (FCA): Insurance conduct and consumer information guidance.
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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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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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