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The New PMI Shopping Behaviour More Comparison, Less Brand Loyalty

UK private medical insurance policyholders are abandoning brand loyalty for active comparison due to rising premiums and NHS pressures; WeCovr, a leading UK broker, provides expert comparisons to help you find suitable cover without overpaying.

WeCovr Editorial Team · experienced insurance advisers
Last updated Jun 30, 2026

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TL;DR

UK private medical insurance policyholders are abandoning brand loyalty for active comparison due to rising premiums and NHS pressures; WeCovr, a leading UK broker, provides expert comparisons to help you find suitable cover without overpaying.

Key takeaways

  • Annual premium hikes of 20-40% are driving policyholders to review their private health cover much earlier than before.
  • Switching with 'Continued Personal Medical Exclusions' (CPME) underwriting, usually via a broker, is key to retaining cover for existing conditions.
  • Brand loyalty is declining; value, benefits, and service now dictate consumer choice in the UK PMI market.
  • Beyond price, comparing hospital lists, excess levels, and out-patient limits is crucial for finding appropriate cover.
  • Using an FCA-regulated broker like WeCovr can provide access to a broad provider panel and expert guidance, often with no separate broker fee where applicable.

The relationship between UK consumers and their private medical insurance (PMI) is undergoing a seismic shift. The era of passive renewals and unquestioning brand loyalty is over. WeCovr draws on experience across more than 1 million policies of various classes and sees this trend daily: policyholders are now proactive, price-sensitive, and prepared to switch providers to secure the right value and cover. This article explores why this new shopping behaviour has emerged and how you can navigate the market to your advantage.

Why policyholders are reviewing cover earlier and switching more often

For decades, many PMI policyholders would "set and forget" their cover, allowing it to auto-renew year after year with the same provider. This is no longer the case. A combination of powerful economic and social factors has created a new, more discerning consumer who actively manages their policy.

Here are the key drivers behind this change:

  • The "Renewal Price Shock": Insurers often attract new customers with introductory discounts. At renewal, these discounts vanish, and premiums are further increased to account for age and medical inflation. It's not uncommon to see renewal prices jump by 25%, 40%, or even more, prompting an immediate search for alternatives.
  • Cost of Living Pressures: With household budgets under strain, a significant monthly outgoing like private health cover is coming under intense scrutiny. Families are no longer willing to accept steep price hikes without first checking if a better deal exists elsewhere.
  • Record NHS Waiting Times: The immense pressure on the NHS has made PMI more valuable than ever. However, this also means policyholders are more motivated to ensure their cover is comprehensive and affordable. They are reviewing their policy's limitations and seeking plans that offer the specific support they need, such as prompt access to diagnostics or specialist consultations.
  • The Digital Comparison Revolution: Consumers are now accustomed to using comparison tools for car insurance, utilities, and travel. They are applying this same savvy approach to private health insurance. Expert brokers like WeCovr provide sophisticated online comparison services, making it easier than ever to see quotes from multiple insurers side-by-side.
  • Erosion of Traditional Brand Loyalty: Today's consumer relationship with brands is more transactional. If a long-standing provider fails to offer competitive pricing or adequate service at renewal, policyholders are increasingly unsentimental about switching. Value and suitability have replaced loyalty as the primary purchasing drivers.

This new environment puts the power back in your hands. By actively reviewing your cover before renewal, you can avoid the "loyalty penalty" and ensure your policy continues to be a strong fit for your needs and budget.

The "Renewal Price Shock": A Major Catalyst for Change

The single biggest trigger for a policyholder to start shopping around is the arrival of their annual renewal notice. Many are shocked to see their premiums have increased significantly, often far beyond the rate of general inflation.

There are three main reasons for this:

  1. Age-Related Increases: As we get older, the statistical likelihood of needing medical treatment increases. Insurers factor this into their pricing, typically applying age-banded increases each year.
  2. Medical Inflation: The cost of private medical care—including new drugs, advanced diagnostic technologies, and specialists' fees—consistently rises faster than standard inflation. Insurers pass this on to customers through higher premiums.
  3. Your Claims History: While not all policies are directly affected by individual claims, some insurers do adjust renewal premiums based on your usage of the policy in the previous year.

However, the most significant factor is often the loss of an introductory discount. A policy that seemed like a great deal in year one can become uncompetitively expensive in year two once the initial offer expires.

A Real-World Scenario

Sarah, a 45-year-old marketing manager, took out a PMI policy with Insurer A for £60 per month. At her first renewal, the premium jumped to £85 per month—a 41% increase. Shocked, she contacted WeCovr. An adviser reviewed her needs and compared the market, finding a near-identical policy with Insurer B for £65 per month. The adviser also secured a 'Continued Personal Medical Exclusions' underwriting basis, ensuring Sarah's cover for a minor knee issue she'd seen a physio for was seamlessly transferred. By switching, Sarah saved £240 over the year without sacrificing cover.

This scenario is now the norm, not the exception. The key is to act as soon as you receive your renewal letter, which usually arrives 3-4 weeks before your policy expires.

How to Successfully Switch Your PMI Policy: A Step-by-Step Guide

Switching your private health cover can feel daunting, especially with concerns about pre-existing conditions. However, by following a structured process and using expert guidance, it can be a smooth and highly beneficial exercise.

Here is our 6-step guide to switching your PMI policy effectively.

1. Review Your Renewal Notice Early

As soon as your renewal documents arrive, review them carefully. Note the new premium, any changes to the policy terms, and the renewal date. This gives you a crucial 3-4 week window to compare your options without being rushed. Don't leave it until the last day.

2. Assess Your Current and Future Needs

Your life may have changed since you first took out the policy. Ask yourself:

  • Has my budget changed? Can I afford the new premium?
  • Do I need to add or remove family members?
  • Have my health priorities changed? Is mental health support now more important?
  • Am I happy with my current hospital list, or do I need access to different facilities?

Answering these questions helps you define what you're looking for in a new policy, ensuring it's not just cheaper but also a better fit.

3. Understand Your Underwriting (This is Crucial)

This is the most critical step. How your new policy treats your medical history is paramount. When you switch, you will typically be offered 'Continued Personal Medical Exclusions' (CPME) underwriting. This means the new insurer agrees to carry over the same exclusions as your old policy. It effectively "continues" your cover, protecting you for conditions that have arisen since you started your original policy. This option is usually only available when switching through a broker.

4. Compare the Whole Market with an Expert

Going direct to one or two insurers will only give you a fraction of the picture. FCA-regulated broker guidance can help compare policies and prices from a broad provider panel, including providers like Aviva, AXA Health, Bupa, Vitality, The Exeter, and WPA.

A broker also understands the nuances of each insurer's "switch" process and can identify the most suitable options for your specific medical history and needs. At WeCovr, advisers provide this service with no separate broker fee where applicable.

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5. Analyse the Quotes: Look Beyond the Headline Price

The cheapest policy isn't always the most appropriate. When comparing quotes, you must look at the details. A broker will help you compare:

FeatureWhat to CheckWhy it Matters
ExcessIs it per claim or per year? How much is it? (£0, £250, £500?)A higher excess lowers your premium but means you pay more when you claim. 'Per year' is often better value than 'per claim'.
Out-patient CoverIs it unlimited, or capped at a certain amount (e.g., £1,000)?This covers specialist consultations and diagnostic tests that don't require a hospital bed. A low limit can leave you with unexpected bills.
Hospital ListDoes it include your local private hospital and key London centres?Being on a restricted list can limit your choice of specialist and treatment location, even if it saves money on the premium.
Cancer CoverDoes the policy cover the latest drugs, even if not yet NICE-approved?This is a core feature of PMI. Check the level of cover carefully, as it can vary significantly between insurers.
Mental HealthWhat level of cover is provided for psychiatric treatment or therapy?With growing demand for mental health support, this is an increasingly important benefit to check.

6. Apply and Switch Seamlessly

Once you've chosen a well-matched policy, your broker will help you complete the application. They will ensure your new policy starts the day your old one ends, preventing any dangerous gaps in cover. You are responsible for cancelling the direct debit for your old policy once the new one is active.

The Critical Role of Underwriting When Switching

Understanding underwriting is the key to a successful switch. It determines how your new policy will treat any medical conditions you've had in the past. Choosing the wrong type can lead to a loss of cover when you need it most.

Here is a breakdown of the main underwriting options available when you switch your private medical insurance in the UK.

Underwriting TypeHow It WorksBest For...Insider Tip
Continued Personal Medical Exclusions (CPME)The new insurer carries over the exact same medical exclusions from your old policy. No new medical questions are asked about your history.Nearly everyone switching an existing policy. It preserves your cover for conditions that have developed while you've been insured.This is the gold standard for switching and is almost exclusively available through an FCA-regulated broker like WeCovr. Insurers rarely offer it directly to the public.
New MoratoriumThis is a "fresh start". Any condition for which you've had symptoms, medication, or advice in the 5 years before the policy starts is excluded for the first 2 years of the new policy.Younger, very healthy individuals with no recent medical history. It can be a gamble if you've had any health issues, as your cover will be reset.This is riskier than CPME. If you've had treatment for a condition under your old policy, it will now be excluded for two years under the new one.
Full Medical Underwriting (FMU)You complete a detailed health questionnaire. The insurer may write to your GP and will then apply specific, named exclusions to your policy for any pre-existing conditions.Individuals who want absolute clarity from day one about what is and isn't covered, and who are happy to disclose their full medical history.This can be a slow process and may result in more exclusions than a moratorium. However, the exclusions are fixed and don't change over time.

Important Note: Standard UK PMI is designed for acute conditions (illnesses that are curable and short-term) that arise after you take out your policy. It does not cover chronic conditions (long-term illnesses like diabetes or asthma) or pre-existing conditions, which are handled by your chosen underwriting method.

Common Mistakes to Avoid When Switching Your Health Insurance

Navigating the switch process can be complex. Here are some common pitfalls that experienced advisers can help clients avoid:

  1. Focusing Only on Price: Choosing a policy based on the cheapest premium alone can lead to inadequate out-patient limits, a restrictive hospital list, or a high excess that makes claiming difficult.
  2. Forgetting to Check the Hospital List: A cheaper policy might use a limited hospital network that excludes the facilities most convenient for you. Always check the list before you commit.
  3. Misunderstanding Underwriting: Opting for a new moratorium policy to save a few pounds can be a false economy if it means losing cover for a condition you previously had insured. This is the single most dangerous mistake a switcher can make.
  4. Leaving a Gap Between Policies: Accidentally creating a gap of even one day between your old policy ending and your new one starting can break your "continuous cover" status, invalidating your ability to use CPME underwriting in the future.
  5. Cancelling Your Old Policy Too Soon: Never cancel your existing policy until your new application has been fully accepted by the new insurer and you have your policy documents in hand.
  6. Not Using an Independent Broker: Trying to compare the market yourself means you miss out on expert advice, access to a broad provider panel, and crucial switch-specific underwriting options like CPME. Working with a broker like WeCovr is usually provided with no separate broker fee where applicable; brokers are typically paid a commission by the insurer you choose.

The UK's Leading PMI Providers: Who Are You Comparing?

The UK private health insurance market is competitive and dynamic, with several major providers offering a range of products. An expert broker will compare options from across this landscape to find a suitable policy for your circumstances.

  • Aviva: One of the UK's largest insurers, offering a wide range of customisable health policies, including their "Healthier Solutions" product.
  • AXA Health: A global insurance giant with a strong UK presence, known for its comprehensive cover and extensive hospital network.
  • Bupa: Perhaps the most famous name in UK health insurance, Bupa offers a variety of plans and has its own network of hospitals and clinics.
  • Vitality: Known for its innovative approach, Vitality links health insurance with a wellness programme that rewards healthy living with discounts and benefits.
  • The Exeter: A mutual society (owned by its members) with a strong reputation for its flexible underwriting and focus on customer service.
  • WPA: A not-for-profit insurer that is highly rated for its customer service and straightforward policies.

Each provider has different strengths, pricing structures, and policy features. This is why a "one-size-fits-all" approach doesn't work and why independent comparison is so vital.

Beyond Price: What Else to Compare in a PMI Policy

While your annual premium is important, it's just one piece of the puzzle. A truly well-matched policy provides the right level of clinical cover and benefits to give you peace of mind.

Here are other key elements to compare:

  • Core Cover vs. Comprehensive: Does the policy only cover in-patient treatment (when you need a hospital bed), or does it include comprehensive out-patient cover for diagnostics and consultations?
  • Therapies Cover: Check the limits for treatments like physiotherapy, osteopathy, and chiropractic care.
  • Digital GP Services: Most modern policies now include a 24/7 virtual GP service. This is a highly valued benefit that provides quick access to medical advice, diagnoses, and prescriptions.
  • Mental Health Pathways: Leading policies offer more than just psychiatric cover. They provide direct access to counselling or therapy services without needing a GP referral.
  • Wellness Benefits and Discounts: Some providers, like Vitality, actively encourage healthy behaviour. At WeCovr, we also support our clients' wellbeing by providing complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. Furthermore, clients who take out PMI or Life Insurance with us can often access discounts on other insurance products, providing even greater value.
  • Customer Service Ratings: How does the insurer handle claims? An insurer that is easy to deal with during a stressful time is invaluable. Your broker can provide insight into different providers' service levels.

A Note on PMI for Businesses and Tax

Many UK businesses offer private medical insurance as a key employee benefit. The cost of the premiums is generally considered an allowable business expense for the company. However, it is treated as a 'benefit-in-kind' for the employee, who will have to pay income tax on the value of the premium.

Disclaimer: This is general guidance only and does not constitute formal tax or financial advice. Tax treatment depends on individual circumstances, policy terms, and HMRC interpretation, which cannot be guaranteed in advance. Whenever applicable, businesses and individuals should always consult a qualified accountant or tax adviser before arranging such policies.

It's Time to Take Control of Your Health Insurance

The message from UK consumers is clear: in an era of rising costs and NHS pressures, value and suitability matter more than ever. The old habit of passively renewing your private medical insurance is a surefire way to overpay for cover that may no longer meet your needs.

By embracing the new shopping behaviour - reviewing early, comparing widely, and switching carefully - you can improve the chance that your policy remains suitable for your needs. The process is more straightforward than you think, especially with an expert on your side.

At WeCovr, we specialise in helping policyholders navigate the market with confidence. Our FCA-regulated advisers can compare your renewal offer against the latest products and prices from leading UK insurers, with no separate broker fee where applicable.

Stop overpaying and start comparing. Get your free, no-obligation PMI comparison quote today and discover how much you could save.

Can I switch my PMI policy if I have a pre-existing condition?

Yes, in most cases you can. The key is to switch using 'Continued Personal Medical Exclusions' (CPME) underwriting. This method, usually only available via a broker, instructs your new insurer to carry over the same medical exclusions as your old policy. This means that if a condition was covered by your previous insurer (i.e., it arose after you first took out cover), it will remain covered by your new insurer.

Is it cheaper to use a PMI broker like WeCovr?

Using an expert broker is usually provided with no separate broker fee where applicable. Brokers are typically paid a commission by the insurance provider you choose. More importantly, a broker can often save you money by comparing a broad provider panel to find a more competitively priced policy. They also provide access to preferential underwriting terms for switching, like CPME, which can be invaluable and are often not available if you go directly to an insurer.

What does UK private medical insurance not cover?

Standard UK PMI has specific exclusions. It is designed to cover acute conditions that arise after your policy begins. It generally does not cover:
  • Pre-existing medical conditions (unless you switch on a CPME basis).
  • Chronic conditions (long-term illnesses needing ongoing management, such as diabetes, asthma, or high blood pressure).
  • Emergency treatment (which is handled by the NHS A&E).
  • Cosmetic surgery, organ transplants, and issues related to drug or alcohol abuse.

What is the difference between moratorium and CPME underwriting?

CPME (Continued Personal Medical Exclusions) is for people switching an existing policy. It continues your cover, carrying over the exact same exclusions from your old policy to your new one. Moratorium underwriting is for new customers or switchers who want a "fresh start". It automatically excludes any condition you've had in the last 5 years for the first 2 years of the new policy. For anyone with a recent medical history, CPME is almost always the more suitable and safer option.

Sources

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

Important Information and Risks

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

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

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

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

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Who Are WeCovr?

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

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

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