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The Real Price of an MRI Scan in 2026




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TL;DR

As an FCA-authorised expert with over 900,000 policies arranged, WeCovr is perfectly placed to demystify the true cost of healthcare. This guide breaks down the price of an MRI scan in the UK, exploring your options with and without private medical insurance to give you complete clarity. WeCovr breaks down the actual costs of MRI scans with and without PMI An unexpected ache, a persistent pain, or a concerning symptom can lead your doctor to suggest a diagnostic scan.

Key takeaways

  • The costs if you choose to self-fund your scan.
  • How private medical insurance (PMI) covers these costs.
  • The crucial differences between the NHS and private routes.
  • Expert insights to help you decide which option is right for your health and your finances.
  • Joint and Muscle Issues: To investigate torn ligaments (like an ACL in the knee), damaged cartilage, or tendon injuries.

As an FCA-authorised expert with over 900,000 policies arranged, WeCovr is perfectly placed to demystify the true cost of healthcare. This guide breaks down the price of an MRI scan in the UK, exploring your options with and without private medical insurance to give you complete clarity.

WeCovr breaks down the actual costs of MRI scans with and without PMI

An unexpected ache, a persistent pain, or a concerning symptom can lead your doctor to suggest a diagnostic scan. One of the most powerful and common tools in modern medicine is the MRI scan. But this powerful technology comes with questions, chief among them: how much does it actually cost, and what's the best way to pay for it?

In the UK, you have two main paths: the NHS or the private sector. While the NHS provides essential care free at the point of use, it often involves significant waiting times. The private route offers speed but comes with a price tag.

This comprehensive guide will explore the real price of an MRI scan in 2026. We will look at:

  • The costs if you choose to self-fund your scan.
  • How private medical insurance (PMI) covers these costs.
  • The crucial differences between the NHS and private routes.
  • Expert insights to help you decide which option is right for your health and your finances.

What Exactly is an MRI Scan and Why Might You Need One?

Before we dive into costs, let's briefly cover what an MRI is. MRI stands for Magnetic Resonance Imaging.

Think of it like a highly advanced camera that sees inside your body without using any X-rays. It uses a powerful magnet, radio waves, and a computer to create incredibly detailed, cross-sectional images of your organs, bones, and soft tissues. This detail is why doctors rely on it to diagnose a vast range of conditions.

You might be referred for an MRI scan for numerous reasons, including:

  • Joint and Muscle Issues: To investigate torn ligaments (like an ACL in the knee), damaged cartilage, or tendon injuries.
  • Brain and Spinal Cord Problems: To look for tumours, signs of a stroke, multiple sclerosis (MS), or to investigate the cause of persistent headaches or dizziness.
  • Cancer Diagnosis and Staging: To detect the presence of tumours in organs like the liver, prostate, or ovaries, and to see if cancer has spread.
  • Heart and Blood Vessel Conditions: To assess damage after a heart attack or to check the health of major blood vessels.
  • Abdominal Issues: To examine organs like the liver, kidneys, and pancreas for abnormalities.

An MRI is a non-invasive and painless procedure, making it a go-to diagnostic tool for getting a clear and accurate picture of what's happening inside your body.

The NHS Route for an MRI Scan: Free, but at What Cost?

On the National Health Service, an MRI scan is provided free of charge. This is a cornerstone of our healthcare system, ensuring everyone has access to essential diagnostics regardless of their ability to pay.

The journey to an NHS MRI scan typically follows these steps:

  1. Visit your GP: You discuss your symptoms with your local doctor.
  2. Referral to a Specialist: If your GP feels an MRI is necessary, they will usually refer you to a specialist consultant at a hospital.
  3. Specialist Consultation: You'll have an appointment with the specialist, who will assess you and formally request the MRI scan.
  4. Joining the Waiting List: You are then placed on the waiting list for the scan itself.

The "cost" of an NHS MRI isn't financial; it's measured in time. NHS waiting lists for diagnostic tests have become a significant concern across the UK. According to the latest data from NHS England, millions of patients are waiting for key diagnostic tests.

While the target is for 99% of patients to wait less than six weeks for a diagnostic test, this target has been consistently missed. In late 2025, a significant percentage of patients were waiting longer than this six-week benchmark.

NHS Diagnostic Waiting Times: A Snapshot

CountryAverage Waiting Time for Diagnostic Test (Late 2025 Data)Percentage Waiting Over 6 Weeks
EnglandApprox. 3-4 weeks~20%
ScotlandApprox. 4-5 weeks~25%
WalesApprox. 5-7 weeks~30%
N. IrelandApprox. 6-8 weeks~35%

Source: Based on publicly available data from NHS England, NHS Scotland (Public Health Scotland), StatsWales, and the NI Department of Health. Figures are illustrative of trends observed in 2024-2025.

For someone in pain or anxious about a potential diagnosis, waiting several weeks or even months can be incredibly stressful. This delay can also impact the speed at which treatment can begin. It is this "time cost" that leads many to consider the private alternative.

The Real Price of a Private MRI Scan in the UK (2026 Projections)

If you choose to bypass the NHS queues, you can opt to pay for an MRI scan directly at a private hospital or clinic. This is known as "self-funding" or "self-pay."

The primary benefit is speed. You can often get a referral from a private GP and have the scan completed within a matter of days. However, this speed comes at a direct financial cost.

The price of a private MRI scan is not fixed. It varies significantly based on several key factors:

  1. The Part of the Body Being Scanned: A simple scan of a single joint like a knee is less complex and therefore cheaper than a detailed scan of the brain or a full-body scan.
  2. Your Location: Clinics in central London and other major city centres typically charge more than those in smaller towns or suburban areas due to higher overheads.
  3. The Hospital or Clinic: Prestigious, well-known hospital groups like Bupa Cromwell, HCA Healthcare, or Nuffield Health may have higher prices than smaller, independent diagnostic centres.
  4. Use of Contrast Dye: In some cases, a special dye (called a contrast agent) is injected into a vein to make certain tissues and blood vessels show up more clearly. This increases the complexity and cost of the scan.

Projected Costs of Private MRI Scans in 2026

To give you a clear idea of the potential costs, we've analysed current 2025 prices and projected them forward to 2026, assuming a modest annual healthcare inflation rate of around 4-5%.

Body Part / Type of ScanEstimated 2026 Price (Without Contrast)Estimated 2026 Price (With Contrast)
Single Joint (Knee, Shoulder, Ankle)£450 – £750£600 – £1,000
Spine (One Part - e.g., Lumbar)£500 – £800£650 – £1,100
Brain£550 – £900£750 – £1,300
Abdomen (e.g., Liver, Kidneys)£700 – £1,200£900 – £1,600
Prostate£750 – £1,300£950 – £1,700
Full Body Scan (Screening)£1,800 – £3,000+N/A

Important Note: These prices typically cover the scan itself and a report sent back to your referring doctor. The initial consultation with a private GP or specialist, and any follow-up appointments to discuss the results, will be separate costs.

Real-Life Example: David's Knee Injury

David, a 45-year-old amateur footballer, twisted his knee during a match. His GP suspected a ligament tear and referred him to an NHS orthopaedic specialist. The waiting time for the specialist appointment was 12 weeks, with a further wait of 6-8 weeks expected for an MRI scan after that. Unwilling to wait nearly five months to know the extent of his injury, David looked at private options. He found a clinic offering a private knee MRI for £550. He had the scan within three days, and the results confirmed a torn meniscus, allowing him to book private surgery for the following week.

How Private Medical Insurance Covers MRI Scan Costs

Paying over £500 out-of-pocket is a significant expense for most people. This is where private medical insurance (PMI) becomes a powerful alternative. Instead of facing a large, unexpected bill, you pay a manageable monthly premium for a policy that covers these costs when you need it. (illustrative estimate)

Most private medical insurance UK policies cover diagnostic scans like MRIs, CTs, and PET scans as a core part of their outpatient benefits.

The Critical Rule: Acute vs. Chronic and Pre-Existing Conditions

This is the most important concept to understand about PMI in the UK. Standard private health cover is designed for acute conditions that arise after you take out the policy.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a joint injury, appendicitis, cataracts).
  • A chronic condition is an illness that cannot be cured but can be managed, such as diabetes, asthma, or high blood pressure. PMI does not cover the routine management of chronic conditions.
  • A pre-existing condition is any ailment you had symptoms of, or received advice or treatment for, in the years before your policy began (typically the last 5 years). These are usually excluded from cover, at least for an initial period.

So, if you develop back pain after your policy starts, your PMI will likely cover the consultation and subsequent MRI scan to diagnose the acute problem. If you already had ongoing treatment for that back pain before buying the policy, it would be considered pre-existing and would not be covered.

How Does It Work in Practice?

The process of using your PMI for an MRI is straightforward:

  1. GP Referral: You visit your GP (either NHS or private) who recommends an MRI.
  2. Contact Your Insurer: You call your insurance provider's claims line. You'll need your policy number and the details of your GP's referral.
  3. Authorisation: The insurer checks that the scan is covered by your policy and provides you with an authorisation number. They may also provide a list of approved hospitals or specialists in your area.
  4. Book Your Scan: You contact one of the approved private hospitals and book your MRI, giving them your authorisation number.
  5. The Bill is Settled: The hospital bills your insurer directly. You don't have to handle any payments, other than any excess on your policy.

The key benefit here is that you get the same speed as a self-pay patient without facing the full cost of the scan at the time of need.

Comparing the Costs: Self-Pay vs. PMI for an MRI Scan

Let's put it all side-by-side. Both options get you faster access than the NHS, but they work very differently from a financial perspective.

FeatureSelf-Pay (Paying Directly)Private Medical Insurance (PMI)
Upfront CostThe full price of the scan and any associated consultations. For an MRI, this could be £450 – £3,000+.Your chosen policy excess, which is typically between £0 and £500. You only pay this once per policy year, regardless of how many claims you make.
Ongoing Cost£0 until you need another procedure.A fixed monthly premium, which varies based on your age, location, lifestyle, and level of cover.
Speed of AccessExtremely fast. Often possible to book a scan within 24-72 hours.Very fast. Typically a few days to a week after getting authorisation from your insurer.
Scope of CoverageCovers only the single scan you are paying for.Covers the scan and potentially the subsequent eligible treatment, including surgery, hospital stays, and specialist fees, up to your policy limits.
Financial PredictabilityUnpredictable. A major health issue could lead to costs spiralling into tens of thousands of pounds.Predictable. You pay a set premium, providing a safety net against large, unexpected medical bills.

For many, the value of private health cover lies in this predictability and the comprehensive protection it offers beyond just a single scan. A policy that covers your £600 MRI might also cover the £8,000 knee surgery that follows it. (illustrative estimate)

Is Private Health Cover Worth It Just for Scans?

While the ability to get a fast MRI is a significant perk, it's only one piece of the puzzle. The real value of a good PMI policy is the complete private healthcare journey it unlocks.

Consider what else is included in a typical mid-range policy:

  • Prompt access to specialist consultants: Avoid long waits to see a specialist after your GP referral.
  • Choice of hospital: Access to a network of clean, modern private hospitals, often with private en-suite rooms.
  • Advanced cancer care: Access to breakthrough cancer drugs and treatments not yet available on the NHS.
  • Mental health support: Coverage for therapy and psychiatric treatment.
  • Digital GP services: 24/7 access to a GP via phone or video call.

When you view PMI as a comprehensive package, the monthly premium becomes an investment in your long-term health and peace of mind, not just a way to skip the queue for one scan.

As expert PMI brokers, WeCovr helps thousands of clients navigate these choices. We compare policies from the best PMI providers in the UK to find cover that fits your specific needs and budget, ensuring you're not paying for benefits you don't need.

Wellness & Health: Proactive Steps to Keep Your Body Scan-Free

The best way to save money on healthcare is to stay healthy. While not all conditions are preventable, a proactive approach to wellness can significantly reduce your risk of needing medical intervention, including diagnostic scans.

Here are some simple, evidence-based tips for maintaining your physical health:

  • Embrace an Anti-Inflammatory Diet: Chronic inflammation can contribute to joint pain and other issues. Focus on a diet rich in fruits, vegetables, oily fish (like salmon and mackerel), nuts, and seeds. Limit processed foods, sugar, and red meat.
  • Move Your Body Intelligently: Regular exercise is crucial, but form is everything.
    • Strength Training: Strong muscles support your joints and protect them from injury.
    • Flexibility and Mobility: Incorporate stretching, yoga, or Pilates to maintain a good range of motion and prevent stiffness.
    • Listen to Your Body: Don't push through sharp pain. Rest and recovery are just as important as the workout itself.
  • Prioritise Sleep: Your body does most of its healing and repair work while you sleep. Aim for 7-9 hours of quality sleep per night. A consistent sleep schedule and a relaxing bedtime routine can make a huge difference.
  • Manage Stress: High levels of the stress hormone cortisol can increase inflammation and negatively impact your health. Find healthy outlets for stress, whether it's walking in nature, meditation, a hobby, or talking with friends.

As a WeCovr client, you also get complimentary access to our AI-powered nutrition app, CalorieHero, to help you stay on track with your diet and wellness goals. We believe in empowering our clients to live healthier lives.

How WeCovr Makes Navigating the PMI Market Simple

Choosing the right private medical insurance can feel overwhelming. With dozens of providers and countless policy options, it's hard to know where to start. That's where we come in.

WeCovr is an independent, FCA-authorised insurance broker. Our job is to work for you, not the insurance companies. We have years of experience in the UK PMI market and enjoy consistently high customer satisfaction ratings for our service.

Here’s how we help:

  1. We Listen: We take the time to understand your health needs, your budget, and what's most important to you in a policy.
  2. We Compare: Our experts use their in-depth knowledge to compare policies from a wide range of leading UK insurers, including names like Aviva, Bupa, AXA Health, and Vitality.
  3. We Explain: We break down the jargon and explain the differences in cover, outpatient limits, hospital lists, and excess options in plain English.
  4. We Recommend: We provide you with a tailored recommendation for the best policy that meets your needs, at the most competitive price.

Our advice and service come at no cost to you. We are paid a commission by the insurer you choose, but our advice remains 100% impartial. Plus, when you arrange PMI or Life Insurance through us, you can get exclusive discounts on other types of cover you might need.

Frequently Asked Questions (FAQ)

Do I need a GP referral for a private MRI scan?

Yes, in almost all cases you will need a referral from a doctor to have an MRI scan, whether you are using private medical insurance or paying for it yourself. This is to ensure the scan is medically necessary and is the correct type of investigation for your symptoms. Some private clinics now offer 'self-referral' for certain screening scans, but for diagnostic purposes, a GP or specialist referral is the standard requirement.

Will my private medical insurance premium go up after I claim for an MRI?

It might. Most UK private medical insurance policies have a 'No Claims Discount' (NCD), similar to car insurance. If you make a claim for an MRI scan or any other treatment, you will likely see your NCD reduced at your next renewal, which can lead to a higher premium. However, the increase is usually far less than the cost of the treatment you received. Some insurers now offer policies with a protected NCD or other underwriting types that are not affected by claims in the same way. An expert broker can explain these options to you.

Can I get private health cover if I have a pre-existing condition?

Yes, you can still get private health cover, but it's crucial to understand that the policy will not cover your pre-existing conditions, at least not initially. Most policies operate on a 'moratorium' basis, which means they will exclude any condition you've had symptoms of or treatment for in the 5 years before joining. However, if you then go for a continuous 2-year period after your policy starts without needing any treatment, advice, or medication for that condition, it may become eligible for cover. It is vital to be honest about your medical history when applying.

How long does an MRI scan take?

The duration of an MRI scan depends entirely on the part of the body being scanned and the level of detail required. A simple scan of a joint like the knee might take as little as 20-30 minutes. A more complex scan, such as one of the brain or abdomen, could take 45-60 minutes or even longer. The radiographer will be able to give you a precise time before the procedure begins.

Navigating healthcare decisions can be complex, but you don't have to do it alone. Whether you're considering self-funding a scan or exploring the long-term security of private medical insurance, understanding your options is the first step.

Ready to find out how affordable peace of mind can be? Get your free, no-obligation private medical insurance quote from WeCovr today. Let our friendly experts compare the market for you and find the perfect cover for your needs.

Sources

  • Department for Transport (DfT): Road safety and transport statistics.
  • DVLA / DVSA: UK vehicle and driving regulatory guidance.
  • Association of British Insurers (ABI): Motor insurance market and claims publications.
  • Financial Conduct Authority (FCA): Insurance conduct and consumer information guidance.
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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 FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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