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Tonsil and Adenoid Removal in Children

Tonsil and Adenoid Removal in Children 2026

As an FCA-authorised expert that has helped UK families arrange over 900,000 policies, WeCovr provides this guide to tonsil and adenoid removal in children. We’ll explore when surgery is necessary and how private medical insurance can provide faster access to care, giving you peace of mind.

WeCovr explains when surgery is needed and how private cover can shorten waiting times

For many parents, hearing that their child may need surgery can be a daunting experience. Tonsil and adenoid removal is one of the most common surgical procedures performed on children in the UK. While it's a routine operation, the journey from diagnosis to treatment can be filled with questions and, often, long waits.

This comprehensive guide will walk you through everything you need to know. We’ll cover the medical reasons for surgery, compare the NHS and private healthcare pathways, and explain how having the right private health cover can make a significant difference to your child’s health and your family’s wellbeing.

Understanding Tonsils and Adenoids: Your Child's First Line of Defence

Before we discuss surgery, let's understand what tonsils and adenoids are and what they do.

  • Tonsils: These are the two small, oval-shaped lumps of tissue you can see at the back of the throat, one on each side.
  • Adenoids: These are similar to tonsils but are located higher up in the throat, behind the nose and the roof of the mouth. You can't see them by looking in the mouth.

Together, they are part of the body's lymphatic system, which helps to fight infection. They act like goal-keepers, trapping germs that enter through the mouth and nose. However, sometimes they can become more of a problem than a solution, leading to recurrent infections or breathing difficulties.

An Ear, Nose, and Throat (ENT) specialist will only recommend surgery—a tonsillectomy (removal of tonsils), an adenoidectomy (removal of adenoids), or both—if the benefits clearly outweigh the risks. The decision is usually based on two main problems: recurrent severe infections or obstruction (blockage).

1. Recurrent and Severe Tonsillitis

This is the most well-known reason for a tonsillectomy. While nearly every child gets a sore throat now and then, doctors look for a specific, severe pattern before considering surgery. The official NHS guidelines, known as the SIGN guidelines, recommend considering surgery if a child experiences:

  • Seven or more episodes of tonsillitis in the last year.
  • Five or more episodes in each of the last two years.
  • Three or more episodes in each of the last three years.

An "episode" isn't just a mild sore throat. It must be severe enough to disrupt normal life, causing symptoms like fever, swollen neck glands, and pus on the tonsils, and requiring time off school.

2. Obstructive Sleep Apnoea (OSA)

This is a serious condition where enlarged tonsils and adenoids block the airway during sleep. This causes the child to stop breathing for short periods, leading to a drop in oxygen levels. The brain then wakes the child up just enough to start breathing again.

Signs of Obstructive Sleep Apnoea in Children:

  • Loud, persistent snoring every night.
  • Pauses in breathing, followed by gasps or snorts.
  • Restless sleep, often in strange positions (e.g., with the neck extended).
  • Daytime sleepiness, irritability, or behavioural problems.
  • Difficulty concentrating at school.

OSA is a primary reason for combined tonsil and adenoid removal, as it can have a significant impact on a child's growth, development, and quality of life.

3. Other Reasons for Surgery

Less common reasons for considering surgery include:

  • Glue Ear (Otitis Media with Effusion): Enlarged adenoids can block the Eustachian tube, which connects the middle ear to the back of the nose. This can cause fluid to build up, leading to hearing loss and recurrent ear infections. An adenoidectomy is often performed alongside the insertion of grommets.
  • Difficulty Swallowing (Dysphagia): Very large tonsils can make it difficult for a child to eat, sometimes leading to poor weight gain.
  • Nasal Obstruction: Large adenoids can block the nasal passages, forcing a child to breathe through their mouth and causing a persistently runny nose.

The table below summarises the key indications for surgery.

Symptom / ConditionDescriptionWhen to See a GP
Recurrent TonsillitisRepeated, severe sore throats that stop your child from doing normal activities.If your child meets the "7, 5, or 3" rule for frequency, or if infections are severe.
Obstructive Sleep ApnoeaLoud snoring with pauses in breathing, gasping, and daytime tiredness.If you notice any signs of breathing pauses during sleep. This requires urgent assessment.
Glue Ear / Hearing LossDifficulty hearing, frequent ear-tugging, delayed speech development.If you have any concerns about your child's hearing or frequent ear infections.
Difficulty EatingFussy eating combined with very large tonsils, poor weight gain.If your child is struggling to gain weight or consistently finds swallowing difficult.

The NHS Pathway for Tonsil and Adenoid Removal

If you suspect your child needs treatment, the journey typically begins with your GP. Here's a step-by-step look at the standard NHS pathway and the challenges you might face.

  1. GP Consultation: You'll discuss your child's symptoms with your GP. They will examine your child and, if they agree there's a potential need for surgery, they will make a referral to a hospital's ENT department.
  2. The Waiting List (Referral to Treatment): This is often the longest part of the process. Your child is placed on a waiting list to see an ENT specialist. According to the latest NHS England data (2024), the target for seeing a specialist is 18 weeks from referral, but in reality, this can be much longer, especially for non-urgent cases. The median waiting time for ENT treatments can often exceed 20 weeks, with some patients waiting over a year.
  3. Specialist Consultation: The ENT consultant will assess your child, review their medical history, and confirm whether surgery is the best option.
  4. The Surgical Waiting List: If surgery is agreed upon, your child is then placed on another waiting list for the operation itself. This wait can also be several months long.
  5. The Procedure: The surgery is performed at an NHS hospital.

The total waiting time from GP visit to surgery on the NHS can easily stretch from six months to well over a year. For a child suffering from sleep apnoea or missing significant amounts of school due to tonsillitis, this long wait can have a major impact.

The Private Pathway: How Private Medical Insurance Shortens the Wait

This is where private medical insurance (PMI) can be a game-changer. It provides an alternative route that bypasses the lengthy NHS queues, offering prompt access to diagnosis and treatment.

Here’s how the process typically works with private health cover:

  1. GP Consultation: The journey still starts with your GP. They will examine your child and write an 'open referral' letter. This letter confirms the medical need for specialist assessment but doesn't name a specific consultant, giving you flexibility.
  2. Contact Your Insurer: You call your private medical insurance provider, explain the situation, and provide the referral letter. They will authorise the claim and give you a list of approved ENT specialists and private hospitals in your area.
  3. Specialist Consultation (within days or weeks): You can often book an appointment to see a private specialist within a week or two. You have the choice of consultant and hospital from the insurer's approved network.
  4. Diagnostics and Surgery Scheduling: If the specialist recommends surgery, it can usually be scheduled very quickly—often within a few weeks—at a time that is convenient for your family.
  5. The Procedure and Recovery: The surgery is performed in a private hospital, which typically offers benefits like a private en-suite room for your child's recovery, more flexible visiting hours, and other comforts.

NHS vs. Private Pathway: A Head-to-Head Comparison

FeatureNHS PathwayPrivate Pathway (with PMI)
Waiting for SpecialistMonths, often exceeding the 18-week target.Days or a few weeks.
Waiting for SurgeryMonths, sometimes over a year.A few weeks.
Choice of SurgeonYou see the consultant on duty.You can choose your preferred specialist from the insurer's list.
Choice of HospitalYou are assigned to a local NHS hospital.You can choose from a nationwide network of private hospitals.
AccommodationA bed on a children's ward.A private, en-suite room is usually standard.
Continuity of CareYou may see different doctors at various stages.You see the same consultant throughout your treatment journey.
CostFree at the point of use.Covered by your insurance policy (subject to excess).

As you can see, the primary benefit of private medical insurance in the UK is speed. For a child whose development and education are being hampered by their symptoms, getting treatment quickly can make all the difference.

Understanding Your Private Health Cover for Children's Surgery

While PMI offers incredible benefits, it's vital to understand how it works, especially regarding children's healthcare.

Critical Information: Pre-existing and Chronic Conditions

This is the most important rule of private medical insurance: Standard UK PMI policies are designed to cover acute conditions that arise after your policy has started.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., tonsillitis requiring surgery, a broken bone).
  • Chronic Condition: A condition that is long-lasting and cannot be cured, only managed (e.g., asthma, diabetes, eczema).
  • Pre-existing Condition: Any illness or symptom for which you or your child sought medical advice or treatment before the policy start date.

How this applies to tonsillectomy:

If your child has a long and documented history of recurrent tonsillitis before you take out a health insurance policy, the insurer will almost certainly classify it as a pre-existing condition and will not cover the cost of a tonsillectomy.

However, if you have a family policy in place and your child starts developing severe tonsillitis after the policy begins, the treatment should be covered. This is why many parents choose to get family health cover early, as a safety net for future health issues.

What Does a Family PMI Policy Typically Cover?

A good family policy will provide comprehensive cover for your child's surgery. This usually includes:

  • Specialist Consultations: Fees for the ENT surgeon.
  • Diagnostic Tests: Any pre-operative tests required.
  • Hospital Fees: The cost of the operating theatre and the private room.
  • Surgeon and Anaesthetist Fees: The fees for the medical team performing the surgery.
  • Post-operative Care: A follow-up consultation with the surgeon to check on your child's recovery.
  • Parent Accommodation: Many policies will cover the cost of one parent staying overnight in the hospital with their child.

An expert PMI broker like WeCovr can help you compare policies from the best PMI providers to find one that offers the right level of cover for your family's needs and budget, at no extra cost to you.

The Surgical Procedure Explained: What to Expect

A tonsillectomy and/or adenoidectomy is a straightforward procedure performed under general anaesthetic. It typically takes about 30 to 45 minutes.

  • Before the Surgery: You'll attend a pre-assessment clinic where nurses will check your child's health and explain the procedure. You'll be told when your child needs to stop eating and drinking.
  • The Anaesthetic: You can usually stay with your child as the anaesthetic is given (often as a gas they breathe through a mask) until they fall asleep. This can help reduce their anxiety.
  • The Surgery: The surgeon removes the tonsils and/or adenoids through the mouth, so there are no external cuts or stitches. Modern techniques, like using coblation (radiofrequency energy), can reduce pain and bleeding compared to older methods.
  • In the Recovery Room: After the surgery, your child will be taken to a recovery room to be monitored as they wake up. You can usually join them here. Most children go home the same day, but some may stay overnight for observation, especially if they are very young or had surgery for sleep apnoea.

Life After Surgery: Recovery Tips and Long-Term Wellness

Recovery is a crucial part of the process. A sore throat is expected and can last for up to two weeks.

Top Tips for a Smooth Recovery:

  1. Pain Management: The most important thing is to give your child regular pain relief (paracetamol and ibuprofen, as advised by the hospital) for the first week, even if they don't seem to be in pain. Set an alarm to give it on schedule, including during the night. This prevents the pain from becoming severe and makes it easier for them to eat and drink.
  2. Hydration is Key: Encourage your child to drink plenty of fluids. This keeps the throat moist and helps with healing. Ice lollies are a fantastic way to soothe the throat and get fluids in.
  3. Eat Normally (As Soon As Possible): It may sound counter-intuitive, but eating "scratchy" foods like toast, cereal, and crisps is now recommended. Chewing and swallowing these foods helps to clean the area where the tonsils were and can reduce the risk of infection and bleeding. Avoid very hot or spicy foods.
  4. Rest and Recuperation: Your child will need to be off school or nursery for about two weeks to recover fully and avoid picking up infections while their immune system is focused on healing.
  5. Watch for Bleeding: A small amount of bleeding is rare but can be serious. If you see any bright red blood from the mouth or nose, you must go to the nearest A&E department immediately.

At WeCovr, we believe in holistic health. As a client, you get complimentary access to our CalorieHero AI calorie tracking app. This can be a useful tool to ensure your child is getting adequate nutrition and hydration during their recovery period.

Choosing the Right Private Medical Insurance for Your Family

With so many options available, picking the best private health cover can feel overwhelming. Here are some key factors to consider:

  • Level of Cover: Do you want a comprehensive policy that covers almost everything, or a more basic one focused on essential treatments like surgery?
  • Hospital Network: Does the policy give you access to a wide range of high-quality private hospitals across the UK?
  • Policy Excess: This is the amount you agree to pay towards a claim. A higher excess will lower your monthly premium, but you'll have to pay more if you make a claim.
  • Underwriting Type:
    • Moratorium: The insurer automatically excludes conditions you've had in the last five years. It's simpler and requires no medical forms.
    • Full Medical Underwriting: You declare your full medical history upfront. This provides more certainty about what is and isn't covered from day one.
  • Family Benefits: Look for policies that include parent accommodation, virtual GP services, and mental health support.

WeCovr customers often benefit from discounts on other types of cover, such as life or critical illness insurance, when they purchase a PMI policy. Our high customer satisfaction ratings reflect our commitment to finding the right solution for every family.

Will my private medical insurance cover my child's tonsillectomy?

Generally, yes, provided the policy was in place *before* the condition requiring surgery developed. Private medical insurance is designed for acute conditions that arise after you join. If your child has a documented history of recurrent tonsillitis or sleep apnoea before taking out cover, it will be considered a pre-existing condition and will likely be excluded from coverage.

How much quicker can my child get surgery with private health cover?

The difference can be significant. On the NHS, the combined waiting time for a specialist appointment and then surgery can be many months, often over a year. With private health insurance, it is typically possible to see a specialist within a few weeks and have the surgery scheduled shortly after that, drastically reducing the overall time from diagnosis to treatment.

Can I add my child to my existing private medical insurance policy?

Yes, most UK PMI providers allow you to add children and other family members to an existing policy. It's often more cost-effective to have a single family policy than multiple individual ones. You can usually add a newborn child to your policy without any medical underwriting, as long as you do so within a few months of their birth. Contact your provider or broker to discuss adding family members.

What happens if my private consultant says surgery isn't needed?

Your private medical insurance covers the cost of the consultation regardless of the outcome. If the ENT specialist advises against surgery and suggests alternative treatments like medication or watchful waiting, this expert second opinion is still incredibly valuable. Your policy has provided you with swift access to a specialist diagnosis and a clear treatment plan, giving you peace of mind.

The health and wellbeing of your child is the most important thing. While the NHS provides excellent care, long waiting lists for common procedures like tonsil and adenoid removal can cause prolonged suffering and disruption for your child and family. Private medical insurance offers a fast, flexible, and comfortable alternative.

Ready to protect your family's health?

Contact WeCovr today. Our expert advisors will provide a free, no-obligation quote and help you compare policies from leading UK insurers to find the perfect cover for your family's needs.


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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.

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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.

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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.

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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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