WeCovr.

Login

The Six Week Rule in UK Private Medical Insurance

The Six Week Rule in UK Private Medical Insurance 2025

As an FCA-authorised expert that has helped arrange over 800,000 policies, WeCovr understands the nuances of private medical insurance in the UK. One key feature causing confusion is the 'Six Week Rule'—an option that can significantly reduce your premiums by integrating NHS care into your private health cover.

What it means for NHS access, elective care, and private healthcare eligibility

The Six Week Rule is a common feature in many UK private medical insurance (PMI) policies that directly links your access to private care with NHS waiting times. In simple terms, it acts as a condition on your policy for non-emergency, planned treatments (known as elective care).

If you have a policy with this rule and your NHS specialist recommends you need inpatient or day-patient treatment, you must first check the NHS waiting list for that procedure.

  • If the NHS waiting time is MORE than six weeks, your private health insurance policy will activate, allowing you to bypass the long wait and receive treatment privately.
  • If the NHS waiting time is LESS than six weeks, you are expected to use the NHS for your treatment, and your private policy will not cover it.

This rule is designed to offer a more affordable private medical insurance UK option. By agreeing to use the readily available services of the NHS for quicker procedures, insurers can offer you significantly lower monthly premiums. It provides a safety net against long, debilitating waits while still leveraging the excellent care the NHS provides for more timely treatments.

Demystifying the Six Week Rule: A Simple Explanation

Let's break down this concept with a clear, everyday example. Imagine the Six Week Rule is like having a priority pass for a theme park, but with a condition.

You want to go on the most popular ride, "The Gallbladder Galloper."

  1. You join the queue. This is like visiting your GP and getting a referral to an NHS consultant.
  2. You check the waiting time. At the entrance to the ride, a sign says "Estimated wait from this point: 10 weeks."
  3. You use your priority pass. Because the wait is longer than six weeks, you can show your pass (contact your PMI provider) and be moved to a fast-track lane (private treatment).
  4. What if the wait was shorter? If the sign had said "Estimated wait: 4 weeks," your priority pass wouldn't be valid for that ride. You'd have to stay in the standard queue (use the NHS).

This is the essence of the Six Week Rule. It’s a cost-saving measure that ensures you only use private healthcare when the NHS cannot provide the necessary inpatient treatment in a timely fashion—defined by the policy as six weeks.

Why is it Called the "Six Week Rule"?

The "six week" timeframe is not an arbitrary number. It was historically considered a reasonable maximum waiting time for non-urgent procedures. While NHS targets have evolved (the current operational standard is for 92% of patients to be treated within 18 weeks of referral), the six-week benchmark has remained a staple in the insurance industry as a clear and simple threshold.

How Does the Six Week Rule Work in Practice?

Understanding the practical steps is crucial to using your policy effectively. Here’s a typical patient journey for someone with a PMI policy that includes the Six Week Rule.

Let's follow a real-life example:

  • Patient: David, a 45-year-old architect from Manchester.
  • Policy: A mid-range private health cover plan with the Six Week Rule included.
  • Condition: Persistent knee pain that is affecting his mobility.

Step 1: Visit the GP David schedules an appointment with his NHS GP to discuss his knee pain. The GP examines him and suspects a meniscal tear. He gives David an open referral for an MRI and to see an orthopaedic consultant.

Step 2: Use PMI for Diagnostics (If Covered) David's policy has good outpatient cover, which isn't affected by the Six Week Rule. He calls his insurer, gets authorisation, and has an MRI scan and a consultation with a private orthopaedic specialist within a week. The consultant confirms a torn meniscus requiring arthroscopic (keyhole) surgery.

Step 3: Determine the NHS Waiting Time The private consultant writes back to David's GP, confirming the diagnosis and recommending surgery. To trigger the Six Week Rule, the treatment pathway must now revert to the NHS to establish the official waiting time. David's GP refers him into the NHS system for the recommended surgery at his local hospital.

Step 4: The NHS Confirms the Wait A few weeks later, David receives a letter from the NHS hospital. It confirms he is on the waiting list for knee arthroscopy and the current estimated waiting time for this surgery is 22 weeks.

Step 5: Contact the PMI Provider Because the 22-week wait is significantly longer than six weeks, David's policy clause is triggered. He calls his insurer's claims line and provides them with:

  • The letter from the NHS confirming the waiting time.
  • The details of his diagnosis and recommended procedure.

Step 6: Authorisation and Private Treatment The insurer verifies the information and authorises the claim. They provide David with a list of approved private hospitals and surgeons. David proceeds to have his knee surgery in a private hospital just two weeks later, fully covered by his insurance.

If the NHS waiting list had been five weeks, David would have been required to remain with the NHS for his surgery.

Key Terminology You Need to Know

The world of insurance can be filled with jargon. Here are the most important terms to understand in the context of the Six Week Rule.

TermSimple DefinitionWhy it Matters for the Six Week Rule
Acute ConditionA disease, illness, or injury that appears suddenly, is short-term, and is curable with treatment. Examples: a broken bone, appendicitis, a hernia, or a cataract.PMI is designed for acute conditions. The Six Week Rule only ever applies to the treatment of eligible acute conditions.
Chronic ConditionA long-term condition that requires ongoing management and typically has no cure. Examples: diabetes, asthma, high blood pressure, arthritis.Standard UK PMI does not cover chronic conditions. You cannot use your policy, with or without the Six Week Rule, for the day-to-day management of a chronic illness.
Pre-existing ConditionAny medical condition, symptom, or ailment you had before the start date of your PMI policy.These are almost always excluded from cover. You cannot claim for a pre-existing condition, regardless of the NHS waiting time.
Elective TreatmentMedical treatment that is planned in advance and is not a medical emergency. The Six Week Rule applies exclusively to this type of care.This includes procedures like hip replacements, cataract surgery, and hernia repairs. It does not include A&E visits or emergency surgery.
Inpatient / Day-patientInpatient: You are admitted to a hospital and stay overnight. Day-patient: You are admitted for a procedure but go home the same day.The Six Week Rule typically only applies to inpatient and day-patient treatments. It does not usually apply to initial consultations or diagnostic scans.

Crucial Point: It is vital to remember that private medical insurance is for managing new, acute conditions that arise after your policy begins. It is not a replacement for the NHS for emergency care, nor does it cover the management of chronic or pre-existing conditions. An expert PMI broker like WeCovr can help clarify these distinctions and ensure you choose a policy that matches your needs.

The Impact of NHS Waiting Lists on the Six Week Rule

The relevance and value of the Six Week Rule have soared in recent years due to unprecedented pressure on the NHS. As waiting lists grow, the likelihood of the NHS wait exceeding six weeks increases, making the "safety net" of PMI more valuable than ever.

According to the latest data from NHS England (referencing figures from mid-to-late 2024 to project into 2025):

  • Total Waiting List: The overall number of treatments people are waiting for in England stands at approximately 7.5 million.
  • Median Waiting Time: The median time a patient waits for treatment is around 14-15 weeks. This is more than double the six-week threshold.
  • Long Waits: A significant number of patients, often hundreds of thousands, are waiting over 52 weeks for their treatment to begin.
  • 18-Week Target: The NHS operational standard is for 92% of patients to start treatment within 18 weeks of referral. Currently, this target is not being met, with the actual figure closer to 57-60%.

What This Data Means for You

These statistics show that for many common elective procedures, the NHS waiting time is now routinely far longer than six weeks. This means that if you have a policy with the Six Week Rule, you are highly likely to be eligible for private treatment when you need it.

NHS Waiting Times for Common Procedures (Illustrative)

While exact times vary by region and trust, the national picture provides a stark illustration.

ProcedureTypical NHS Waiting Time (2024/2025 Estimate)Is the Six Week Rule Likely to be Triggered?
Hip Replacement20 - 40 weeksYes, highly likely
Knee Replacement20 - 45 weeksYes, highly likely
Cataract Surgery15 - 35 weeksYes, highly likely
Hernia Repair18 - 30 weeksYes, highly likely
Gynaecology (non-urgent)25 - 50 weeksYes, highly likely

Source: Based on analysis of NHS England Referral to Treatment (RTT) data trends.

This table demonstrates that for the most common types of elective surgery, a policy with a Six Week Rule effectively functions like a comprehensive policy, as the condition for private care is almost always met.

Is the Six Week Rule Included in All PMI Policies?

No, the Six Week Rule is an option, not a standard feature of every policy. When you compare private medical insurance, you will generally encounter two main types of plans:

  1. Comprehensive Policies: These plans give you immediate access to private care for eligible conditions, regardless of NHS waiting times. You have the freedom to choose private treatment from the outset.
  2. Guided or 'Six Week Rule' Policies: These are the policies we've been discussing. They are more affordable but require you to use the NHS if the wait for inpatient treatment is under six weeks.

Choosing between them depends on your priorities: cost vs. choice.

Comparison: Comprehensive PMI vs. PMI with Six Week Rule

FeatureStandard Comprehensive PMIPMI with Six Week Rule
Premium CostHigherLower (often 20-30% cheaper)
Speed of AccessImmediate access to private diagnosis and treatment (subject to policy terms).Access to private treatment is conditional on the NHS wait being over six weeks.
Choice & ControlFull control. You can opt for private treatment from day one.Less control. You must use the NHS for shorter waits, even if you'd prefer to go private.
Best For...Individuals who prioritise maximum speed, choice, and convenience and have a higher budget.Budget-conscious individuals who want a safety net against long NHS waits but are happy to use the NHS for quicker procedures.
Value in 2025Excellent, guarantees speed.Excellent, given current NHS waits mean the rule is frequently triggered, offering great value for money.

A knowledgeable broker can run quotes for both options, allowing you to see the exact price difference and make an informed decision based on your personal circumstances and budget.

When Does the Six Week Rule Not Apply?

It's just as important to know when the rule doesn't apply. The six-week condition is specific and does not cover every aspect of your healthcare journey.

Here are scenarios where the Six Week Rule is irrelevant:

  • Medical Emergencies: For a heart attack, stroke, or serious accident, you must always call 999 and use the NHS A&E. PMI does not cover emergency treatment.
  • Outpatient Cover: The rule applies to inpatient and day-patient care (i.e., surgery). Your cover for initial consultations, diagnostic tests, and scans (like MRI, CT, X-ray) is usually separate and not subject to this condition. This is a huge benefit, as you can get a diagnosis privately in days, even if you later use the NHS for treatment.
  • Therapies: Cover for physiotherapy, osteopathy, and mental health support is typically part of your outpatient benefits and is not affected by the Six Week Rule.
  • Chronic and Pre-existing Conditions: As stated before, PMI does not cover these, so the Six Week Rule is not applicable.
  • Policy Exclusions: Every policy has specific exclusions, such as cosmetic surgery, fertility treatments, or experimental drugs. The Six Week Rule cannot grant you access to a treatment that is already excluded from your cover.
  • Patient Choice: If the NHS offers you treatment within six weeks but you decline it (e.g., you want to wait for a specific surgeon or a more convenient time), your insurer will not cover private treatment. You cannot "choose" to wait longer on the NHS simply to trigger your private cover.

Health, Wellness, and Avoiding the Wait

While insurance provides a crucial safety net, the best way to manage your health is to be proactive. A healthy lifestyle can reduce your risk of developing many acute conditions that require elective surgery.

Many of the best PMI providers now actively support their members' wellbeing through various incentives and tools.

  • Diet: A balanced diet rich in fruits, vegetables, lean proteins, and whole grains can help prevent conditions like heart disease and certain types of joint problems. At WeCovr, we support our clients' health journeys by providing complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app.
  • Exercise: Regular physical activity (aim for 150 minutes of moderate-intensity activity a week) strengthens your bones, improves cardiovascular health, and helps maintain a healthy weight, reducing stress on your joints.
  • Sleep: Quality sleep is essential for physical and mental recovery. Aim for 7-9 hours per night to allow your body to repair itself and reduce inflammation.
  • Wellness Programmes: Look for PMI providers that offer discounts on gym memberships, wearable fitness trackers, and mental health support apps. These benefits can help you stay healthy and potentially lower your renewal premiums.

Furthermore, being a WeCovr customer has added perks. If you purchase a private medical insurance or life insurance policy through us, you may be eligible for discounts on other types of cover you need, such as home or travel insurance.

Finding the Right Private Medical Insurance UK Policy

The Six Week Rule is a fantastic option for many, but it isn't the only factor to consider. The UK private health cover market is complex, with dozens of providers and hundreds of policy combinations.

When choosing a policy, you'll need to consider:

  • Level of Outpatient Cover: How much do you want for consultations and diagnostics?
  • Hospital List: Which private hospitals are you covered to use?
  • Excess: How much are you willing to pay towards each claim?
  • Underwriting: Will you have a 'moratorium' or 'full medical underwriting' policy?

This is where an independent, expert broker is invaluable. At WeCovr, we are authorised and regulated by the Financial Conduct Authority (FCA), and our advisors have decades of combined experience. We take the time to understand your needs and budget.

We will:

  1. Explain all your options in plain English.
  2. Compare quotes from across the market to find the best PMI provider for you.
  3. Highlight the pros and cons of including the Six Week Rule on your policy.
  4. Ensure you don't pay for cover you don't need.

Our service is provided at no cost to you, and our high customer satisfaction ratings reflect our commitment to finding the right solution for every client.

Does the Six Week Rule apply to diagnostic tests and scans?

Generally, no. The Six Week Rule is specifically for inpatient or day-patient treatment (like surgery). Your cover for outpatient diagnostics, such as MRI scans, CT scans, and initial consultations, is a separate benefit within your policy and is not usually subject to an NHS waiting list condition. This means you can often use your PMI for a swift diagnosis and then decide on the treatment pathway.

What happens if the NHS waiting list time changes after I contact my insurer?

The insurer's decision to cover private treatment is typically based on the official NHS waiting time provided to you at the point you make the claim. If you have written confirmation of a wait longer than six weeks, your insurer will usually authorise private treatment. Subsequent changes in the NHS list (either shorter or longer) would not normally affect a claim that has already been approved.

Is private medical insurance worth it if I choose a policy with the Six Week Rule?

Yes, for many people it offers outstanding value. Given that current NHS waiting times for most elective procedures are well over six weeks, the rule is frequently triggered, giving you access to private care when you need it most. Furthermore, the policy still provides valuable cover for fast-track diagnostics, a choice of specialist, and access to therapies and drugs not always available on the NHS, all at a much lower premium.

Can I remove the Six Week Rule from my policy?

Yes. You can typically switch to a comprehensive policy without the Six Week Rule at your annual renewal. This will give you the freedom to choose private treatment from the outset, regardless of NHS waiting times. However, be aware that removing this option will increase your monthly or annual premium, as you are buying a higher level of cover.

Ready to explore your options? Get a free, no-obligation quote from WeCovr today. Our expert advisors will compare the UK's leading insurers to find a policy that fits your needs and budget, helping you secure peace of mind for you and your family.

Get A Free Quote

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:

Our Group Is Proud To Have Issued 800,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

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

Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Learn more

...

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!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2025 WeCovr. Made with in London