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The Definitive Guide to the Best Private Hospitals in London

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

As an FCA-authorised expert broker that has helped arrange over 900,000 policies, WeCovr understands the UK private medical insurance market inside and out. This guide cuts through the noise, offering clear, expert advice on choosing the best private hospital in London and the right health cover to access it. WeCovr's in-depth guide to London's leading private hospitals in 2025 London isn't just the UK's capital; it's a global centre for medical excellence.

Key takeaways

  • Acute Conditions: PMI is designed to cover acute conditions. These are diseases, illnesses, or injuries that are likely to respond quickly to treatment and lead to a full recovery. Think of conditions like hernias, cataracts, or joint replacements.
  • Chronic and Pre-existing Conditions: Standard UK PMI policies do not cover chronic conditions (long-term illnesses like diabetes, asthma, or high blood pressure) or any medical conditions you had before you took out the policy (pre-existing conditions). PMI is for new, eligible health problems that arise after your cover begins.
  • Premium Lists: These include the most prestigious (and expensive) hospitals, including the top-tier London centres. They come with a higher monthly premium.
  • Standard/National Lists: These offer a broad choice of excellent private hospitals across the UK but may exclude some of the most exclusive London names. This is a popular, balanced option.
  • Local/Budget Lists: These provide access to a more limited network of hospitals, often excluding central London, in return for a lower premium.

As an FCA-authorised expert broker that has helped arrange over 900,000 policies, WeCovr understands the UK private medical insurance market inside and out. This guide cuts through the noise, offering clear, expert advice on choosing the best private hospital in London and the right health cover to access it.

WeCovr's in-depth guide to London's leading private hospitals in 2025

London isn't just the UK's capital; it's a global centre for medical excellence. From Harley Street's historic consulting rooms to state-of-the-art surgical suites in towering skyscrapers, the city offers a remarkable concentration of world-class healthcare. For those with private medical insurance (PMI), this translates into unparalleled choice, comfort, and access to leading specialists.

But with so many options, how do you choose? What makes a hospital truly "the best"? This comprehensive guide will navigate you through London's private healthcare landscape. We'll explore the top institutions, explain how your insurance policy interacts with them, and give you the knowledge to make an informed decision for your health and wellbeing.

Understanding Private Medical Insurance (PMI) and Hospital Lists

Before we dive into the hospitals themselves, it's vital to understand the tool that unlocks their doors: private medical insurance.

In simple terms, PMI is an insurance policy you pay for—usually monthly or annually—that covers the cost of private healthcare for specific conditions. Its primary benefit is speed. Whilst the NHS provides excellent care, waiting lists for non-urgent procedures can be long. NHS England data from early 2025 shows that millions are on waiting lists for consultant-led elective care. PMI allows you to bypass these queues for eligible treatments.

The Most Important Rule: Acute vs. Chronic Conditions

This is the single most important concept to grasp about private medical insurance in the UK.

  • Acute Conditions: PMI is designed to cover acute conditions. These are diseases, illnesses, or injuries that are likely to respond quickly to treatment and lead to a full recovery. Think of conditions like hernias, cataracts, or joint replacements.
  • Chronic and Pre-existing Conditions: Standard UK PMI policies do not cover chronic conditions (long-term illnesses like diabetes, asthma, or high blood pressure) or any medical conditions you had before you took out the policy (pre-existing conditions). PMI is for new, eligible health problems that arise after your cover begins.

What is a "Hospital List"?

Insurers don't just give you a blank cheque to go to any hospital. They manage costs by creating "hospital lists" or "tiers." The hospital list on your policy dictates which facilities you can use.

  • Premium Lists: These include the most prestigious (and expensive) hospitals, including the top-tier London centres. They come with a higher monthly premium.
  • Standard/National Lists: These offer a broad choice of excellent private hospitals across the UK but may exclude some of the most exclusive London names. This is a popular, balanced option.
  • Local/Budget Lists: These provide access to a more limited network of hospitals, often excluding central London, in return for a lower premium.

Choosing the right list is a crucial balancing act between cost and access. A specialist PMI broker like WeCovr can be invaluable here, helping you compare policies to find one that includes your preferred hospitals without overstretching your budget.

How We Rated the Best Private Hospitals in London

To create this guide, we analysed London's private hospitals based on a set of robust criteria. This isn't just about plush rooms and fancy menus; it's about the quality of care.

  1. Care Quality Commission (CQC) Ratings: The CQC is the independent regulator for all health and social care services in England. They inspect hospitals and rate them as 'Outstanding', 'Good', 'Requires Improvement', or 'Inadequate'. We heavily favour hospitals with 'Outstanding' or 'Good' ratings, as this is a fundamental mark of safety and quality.

  2. Specialist Expertise: Some hospitals are generalists, whilst others are world-renowned for specific fields like cancer, cardiology, or orthopaedics. We've highlighted these centres of excellence.

  3. Advanced Technology: Access to the latest diagnostic and surgical technology, such as Da Vinci robotic surgery systems, advanced MRI scanners, and CyberKnife radiotherapy, is a key indicator of a forward-thinking institution.

  4. Patient Experience: From the comfort of a private en-suite room to the quality of the catering and the attentiveness of the staff, the overall patient journey is a vital component of private care.

  5. Consultant Calibre: A hospital is only as good as its doctors. The top London hospitals attract leading consultants who are often pioneers in their respective fields.

The Titans of London Private Healthcare: The Top Tier

These hospitals are the household names of London private medicine. They generally feature on the most comprehensive PMI policies and offer a broad range of services with an emphasis on luxury and cutting-edge care.

The London Clinic

  • Overview: Situated in the heart of the Harley Street Medical Area, The London Clinic is one of the UK's largest and most respected independent hospitals. Founded in 1932, it combines a long-standing reputation with state-of-the-art facilities.
  • CQC Rating: Consistently rated 'Good' or 'Outstanding' in key areas.
  • Key Specialisms: A true multi-disciplinary hospital, but it has a world-class reputation for cancer care (with its own dedicated cancer centre), urology, and digestive diseases.
  • Standout Facilities: Features one of the UK's most advanced radiotherapy centres, robotic surgery suites, and a focus on personalised medicine. The hospital has over 250 private en-suite rooms.
  • PMI Compatibility: Included in most premium-tier hospital lists from major insurers like Bupa, Aviva, AXA Health, and Vitality.

HCA at The Shard

  • Overview: Located on the lower floors of one of London's most iconic landmarks, HCA at The Shard offers outpatient diagnostics and treatment with breathtaking views. It's part of the HCA Healthcare UK network, which links it to a vast ecosystem of specialist hospitals.
  • CQC Rating: Rated 'Good'.
  • Key Specialisms: Primarily focused on outpatient care, diagnostics, and minor procedures across a huge range of specialities, including sports medicine, orthopaedics, and women's health. It serves as a gateway to HCA's main surgical hospitals like London Bridge Hospital.
  • Standout Facilities: Unmatched views, state-of-the-art imaging (MRI, CT, X-ray), and a seamless patient pathway. It feels more like a five-star hotel than a clinic.
  • PMI Compatibility: Part of the extensive HCA network, it's widely covered by all major PMI providers.

The Cromwell Hospital (Bupa)

  • Overview: Located in Kensington, The Cromwell is a large, purpose-built hospital known for its international patient base and comprehensive services. Owned by Bupa, it's a key facility for their policyholders but is accessible to all.
  • CQC Rating: Rated 'Good' overall.
  • Key Specialisms: Highly regarded for oncology, cardiology, and paediatrics. It is one of the few private hospitals in London with an urgent care centre for children. It also has a strong focus on complex surgeries.
  • Standout Facilities: Home to the cutting-edge Mako robotic arm for hip and knee replacements and a leading CyberKnife centre for precision radiotherapy. It boasts a large international patient lounge and concierge services.
  • PMI Compatibility: As a Bupa-owned hospital, it's a cornerstone of their network. It's also accessible via most other major insurers, often on their mid-to-premium tiers.

King Edward VII's Hospital

  • Overview: A historic and prestigious hospital in Marylebone with Royal patronage. It has a unique charitable status and is renowned for its discreet, personalised care and exceptional nursing standards.
  • CQC Rating: Rated 'Outstanding'. This is a significant mark of distinction.
  • Key Specialisms: Famed for orthopaedics (especially its dedicated Centre for Hip and Knee Surgery), men's health, and pain management. It also has a strong focus on veterans' health, providing subsidised care.
  • Standout Facilities: A dedicated hydrotherapy pool for rehabilitation, state-of-the-art operating theatres, and an emphasis on patient comfort and privacy. The nurse-to-patient ratio is among the best in the UK.
  • PMI Compatibility: Included on the top-tier lists of all major insurers. Its reputation means it's a highly sought-after choice.

London's Specialist Powerhouses: Centres of Excellence

Whilst the titans offer a broad range of high-quality care, some London hospitals have carved out world-leading reputations in specific medical fields. If you have a particular condition, seeking out one of these centres can be a very wise move.

Royal Marsden Private Care (Cancer)

The Royal Marsden is, simply put, one of the most famous cancer hospitals in the world. Its private arm, located at its Chelsea and Sutton sites, gives patients access to the very latest research and treatments, often before they are available anywhere else. You are treated by consultants who are global leaders in oncology.

Royal Brompton & Harefield Specialist Care (Heart & Lung)

This is the largest specialist heart and lung centre in the UK. The private facilities within these renowned NHS hospitals provide access to pioneering treatments for all complex cardiac and respiratory conditions. If you need heart or lung care, this is the pinnacle of expertise.

The Portland Hospital for Women and Children (HCA)

The only fully private hospital in the UK dedicated entirely to the care of women and children. From maternity services that attract a global clientele to its specialist paediatric intensive care unit, The Portland is the go-to centre for private obstetrics, gynaecology, and paediatrics.

The Wellington Hospital (HCA)

The UK's largest private hospital, The Wellington in St John's Wood is a giant of specialist care. It is particularly renowned for its neurosurgery and spinal surgery unit, its extensive acute rehabilitation centre, and its comprehensive orthopaedic services.

London Bridge Hospital (HCA)

With a prime location on the South Bank, London Bridge Hospital has an outstanding reputation for cardiology, cardiac surgery, orthopaedics, and renal services. It has one of the largest and most advanced private cardiac units in the country.

A Comparison of London's Top Private Hospitals

To help you see the options at a glance, here is a simple comparison table of some of the leading institutions.

Hospital NameKey SpecialismsCQC RatingTypical PMI TierNoteworthy Feature
The London ClinicCancer, Urology, Digestive DiseasesGoodPremiumLeading independent cancer centre in Harley Street.
King Edward VII's HospitalOrthopaedics, Pain Management, Men's HealthOutstandingPremiumExceptional nursing care and hydrotherapy pool.
The Cromwell HospitalOncology, Cardiology, Paediatrics, International CareGoodMid-PremiumBupa-owned, advanced robotic surgery (Mako/CyberKnife).
The Lister Hospital (HCA)Fertility, Gynaecology, OrthopaedicsGoodMid-PremiumWorld-renowned fertility clinic.
The Wellington Hospital (HCA)Neurosurgery, Spinal, Orthopaedics, RehabilitationGoodMid-PremiumUK's largest private hospital with vast facilities.
Royal Marsden Private CareCancer (Oncology)GoodSpecialistA world-leading, research-led cancer hospital.
Royal Brompton Specialist CareHeart & Lung (Cardiology, Respiratory)GoodSpecialistUK's premier specialist centre for heart and lungs.

The Cost Factor: How Hospital Choice Impacts Your PMI Premium

Your choice of hospital list is one of the biggest factors determining the cost of your private medical insurance UK policy. Insurers place hospitals in bands or tiers based on the cost of treatment at that facility. Central London hospitals, with their high running costs and consultant fees, are invariably in the most expensive tier.

Here's a simplified breakdown of how it works:

Hospital TierDescriptionImpact on PremiumBest For
Tier 1: Premium LondonIncludes all private hospitals in the UK, including the most prestigious and expensive central London ones.Highest premium.Those who live or work in London and want maximum choice and no compromise.
Tier 2: Standard/NationalA comprehensive list of several hundred high-quality hospitals nationwide. May exclude 10-20 top London hospitals.Mid-range premium. A good balance of cost and choice.Most people. Offers excellent cover across the UK, including many London options.
Tier 3: Local/GuidedA more restricted list of hospitals, often excluding central London. Some insurers may "guide" you to specific options.Lowest premium.Those on a tighter budget or who are happy to travel to specified hospitals.

For example, a healthy 40-year-old might pay £85 per month for a comprehensive policy with a full London hospital list. The same policy with a standard national list might be £65 per month. Working with a PMI broker like WeCovr allows you to see these price differences clearly and make a choice that fits your life and budget.

Beyond the Hospital Bed: Wellness and Preventative Health

The best healthcare isn't just about treating illness; it's about preventing it. Living a healthy lifestyle can significantly reduce your chances of needing hospital treatment in the first place. Many private health cover providers now actively encourage and reward healthy living.

Here are some simple, evidence-based tips grounded in UK health guidance:

  • A Balanced Diet: Aim for the Eatwell Guide model. That means plenty of fruit and vegetables (at least 5 portions a day), wholegrain carbohydrates, lean proteins, and healthy fats. Limiting processed foods, sugar, and saturated fat is key.
  • Regular 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 tennis) a week, plus strength exercises on two or more days.
  • Quality Sleep: Most adults need 7-9 hours of quality sleep per night. It's crucial for physical repair, mental health, and immune function. Create a restful environment and a regular sleep schedule.
  • Stress Management: Chronic stress can have a real impact on physical health. Techniques like mindfulness, yoga, or simply making time for hobbies can make a huge difference.

To support our clients on their wellness journey, WeCovr provides complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, for everyone who purchases a private medical or life insurance policy. What's more, clients who take out these policies can also benefit from exclusive discounts on other types of insurance we offer.

How to Get Treatment at a Top London Hospital with PMI

So, you have your policy. What happens when you need to use it? The process is refreshingly straightforward.

  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 write you a referral letter.
  2. Contact Your Insurer: Call your PMI provider's claims line. You'll need your policy number and the details from the GP referral. They will check your cover and give you a pre-authorisation number. This is their promise to pay for the initial consultation.
  3. Choose Your Specialist: Your insurer will typically provide a list of approved specialists. You can research them and choose who you want to see, ensuring they practise at a hospital on your policy's list.
  4. Arrange the Appointment: You call the specialist's secretary, provide your pre-authorisation details, and book your consultation.
  5. Diagnosis and Treatment Plan: After seeing the specialist, if you need tests, scans, or surgery, the specialist's office will liaise with your insurer to get authorisation for the treatment plan.
  6. Undergo Treatment: You have your procedure or treatment at your chosen private hospital. The bills are settled directly between the hospital, the specialist, and your insurer. You rarely have to handle any invoices yourself, apart from any excess on your policy.

Can I choose any private hospital in London with my PMI policy?

No, the hospitals you can use are determined by the "hospital list" on your specific private medical insurance policy. Insurers offer different tiers of lists. A premium policy will include all London hospitals but cost more, whilst a standard or local list will be more affordable but may exclude some of the top-tier central London facilities. It's crucial to check the list before you buy.

Does private medical insurance cover pre-existing conditions?

No. Standard private medical insurance in the UK is specifically designed to cover new medical conditions that arise *after* your policy has started. It does not cover pre-existing conditions (any illness or injury you had before taking out cover) or chronic conditions (long-term illnesses like diabetes or asthma that require ongoing management rather than a short-term cure).

What is a CQC rating and why does it matter?

The Care Quality Commission (CQC) is the independent regulator of all health and social care services in England. They inspect hospitals on criteria like safety, effectiveness, and leadership, and give them a rating of 'Outstanding', 'Good', 'Requires Improvement', or 'Inadequate'. This rating is a powerful and reliable indicator of the quality and safety of care you can expect to receive at a hospital.

Is it cheaper to self-pay for treatment or use private medical insurance?

For minor consultations or tests, self-paying might seem manageable. However, for significant procedures, it can be extremely expensive. A single private knee replacement surgery in London can easily cost over £15,000, and complex cancer treatments can run into hundreds of thousands of pounds. Private medical insurance works by spreading that financial risk for a predictable monthly premium, providing peace of mind and ensuring you can afford care when you need it most.

Your Partner in Health: Finding the Right Cover

London's private hospitals offer some of the best medical care in the world. With rapid access to leading consultants, advanced technology, and comfortable surroundings, private healthcare provides an invaluable alternative for those who can access it.

The key is finding the right private health cover. Navigating the maze of hospital lists, policy benefits, and underwriting options can be complex. That's where we come in.

At WeCovr, we are independent experts. We compare policies from across the market to find the one that best suits your needs and budget, at no extra cost to you. We'll help you understand the options so you can choose a policy with confidence.

Ready to explore your options and secure your peace of mind? Get a free, no-obligation quote from WeCovr today and find the perfect private health cover for you.

Sources

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

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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