Top 10 Questions to Ask Before Buying Health Insurance
Navigating the UK's private medical insurance market can feel complex. As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr understands that asking the right questions is the first step to securing the perfect cover. This guide provides the essential checklist you need.
A checklist of key topics to discuss with insurers and brokers before committing
Choosing a private medical insurance (PMI) policy is a significant decision. It's not just about finding the cheapest price; it's about understanding what you're buying, what it covers, and how it will support you when you need it most.
Think of it like buying a car. You wouldn't just ask about the price. You'd want to know about its engine, safety features, running costs, and warranty. Health insurance is the same. The details matter immensely.
This checklist is designed to empower you. By asking these ten questions, you can cut through the jargon, compare policies with confidence, and make an informed choice that aligns with your health needs and budget.
1. What Does the Policy Actually Cover (and Exclude)?
This is the most fundamental question. A health insurance policy is a contract, and its value lies entirely in what it promises to pay for. It's crucial to understand the boundaries of your cover.
The Core of Every Policy: In-Patient and Day-Patient Treatment
Nearly all UK private medical insurance policies are built around a core of "in-patient" and "day-patient" cover.
- In-patient: Treatment that requires you to be admitted to a hospital and stay overnight. For example, a hip replacement surgery.
- Day-patient: Treatment that requires a hospital bed for the day but you don't stay overnight. For example, a cataract removal procedure.
This core cover typically includes hospital charges, specialist fees (surgeons, anaesthetists), and diagnostics like MRI scans while you are admitted.
The Key Variable: Out-Patient Cover
"Out-patient" cover is for treatment where you don't need a hospital bed. This is often the biggest variable between policies and a major driver of cost.
Out-patient services include:
- Consultations with specialists (e.g., a cardiologist or dermatologist).
- Diagnostic tests and scans (X-rays, blood tests, MRI, CT scans).
- Therapies (physiotherapy, osteopathy).
Policies will offer different levels of out-patient cover, from none at all to a monetary limit (e.g., £1,000 per year) or full cover.
| Out-Patient Cover Level | What It Typically Means | Who It's For |
|---|---|---|
| Full Cover | No yearly financial limit on eligible consultations, tests, and therapies. | Those wanting comprehensive cover for diagnosis and treatment without worrying about hitting a cap. |
| Limited Cover | A set financial cap per year (e.g., £500, £1,000, or £1,500). | A good compromise to keep premiums down while still having cover for the initial diagnostic stages. |
| No Out-Patient Cover | You pay for all specialist consultations and diagnostic tests yourself. The PMI only kicks in if you need in-patient or day-patient treatment. | The most budget-friendly option, relying on the NHS for diagnostics but using PMI for faster treatment. |
Understanding the Exclusions: What PMI Does Not Cover
This is just as important as knowing what is covered. Crucially, standard UK private health cover is designed for acute conditions—illnesses or injuries that are likely to respond quickly to treatment and return you to your previous state of health.
The most common exclusions are:
- Pre-existing Conditions: Any medical condition you had symptoms of, or received advice or treatment for, before your policy started.
- Chronic Conditions: Long-term conditions that cannot be cured, only managed. Examples include diabetes, asthma, arthritis, and high blood pressure. PMI may cover the initial diagnosis of a chronic condition, but it will not cover the day-to-day, long-term management.
- Emergency Services: A&E visits are handled by the NHS. PMI doesn't cover blue-light emergencies.
- Cosmetic Surgery: Procedures that are not medically necessary.
- Normal Pregnancy & Childbirth: Though some high-end policies may offer cover for complications.
- Self-inflicted Injuries: Including those related to substance abuse.
An expert PMI broker can help you dissect the small print of each policy's exclusions list, ensuring there are no surprises.
2. How Does the Underwriting Process Work?
"Underwriting" is how an insurer assesses your medical history to decide what they will and won't cover. There are two main types in the UK, and your choice has significant long-term implications.
Moratorium Underwriting (Mori)
This is the most common and straightforward type of underwriting.
- How it works: You don't have to declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms of, or received treatment, medication, or advice for, in the five years before the policy began.
- The "2-Year Rule": A pre-existing condition might become eligible for cover later on, but only if you complete a continuous two-year period after your policy starts where you have been completely free of any treatment, medication, or advice for that specific condition.
Example: You had physiotherapy for a knee injury 3 years ago. With a moratorium policy, your knee will be excluded from cover for the first 2 years. If you go 2 full years on the policy without any knee trouble, it may then become eligible for cover.
Full Medical Underwriting (FMU)
This method involves a more detailed application process.
- How it works: You complete a comprehensive health questionnaire, declaring your full medical history. The insurer's underwriting team then reviews this and decides what, if any, specific exclusions to place on your policy from day one.
- Clarity from the start: The main benefit of FMU is certainty. You know exactly what is and isn't covered from the moment your policy begins. These exclusions are typically permanent, though you can sometimes ask for them to be reviewed.
Moratorium vs. Full Medical Underwriting: A Comparison
| Feature | Moratorium (Mori) | Full Medical Underwriting (FMU) |
|---|---|---|
| Application Process | Quick and simple. No detailed medical forms. | Longer. Requires a full health questionnaire. |
| Initial Exclusions | Blanket exclusion on conditions from the past 5 years. | Specific, named exclusions based on your declared history. |
| Clarity of Cover | Can be ambiguous. Cover for a condition is determined at the point of a claim. | Crystal clear from day one. You receive a list of what's excluded. |
| Covering Past Conditions | Possible after a 2-year trouble-free period. | Usually permanent exclusions, but can sometimes be reviewed. |
| Claims Process | Can be slower as the insurer may need to investigate your medical history to check if the condition is pre-existing. | Generally faster as cover has already been agreed upon. |
| Who It's Good For | People with a clean bill of health or minor past issues who want a quick start. | People with a more complex medical history who want certainty about their cover. |
The choice between Mori and FMU is a critical one. Discussing your health history with a specialist broker like WeCovr can help you decide which path is best for you, ensuring you don't face unexpected hurdles at the point of a claim.
3. What Are My Choices for Hospital and Specialist Access?
Your policy doesn't just determine what is covered, but also where you can be treated. Insurers offer different "hospital lists" which directly impact your premiums and convenience.
Understanding Hospital Lists
Insurers group UK private hospitals into bands, typically based on cost (with London hospitals often being the most expensive).
- Local/Trust Hospital Network: A curated list of hospitals, often excluding the most expensive city-centre facilities. This is the most cost-effective option.
- National List: A comprehensive list giving you access to hundreds of private hospitals across the UK. A good balance of choice and cost.
- Premium/London List: Includes the top-tier hospitals, particularly those in Central London known for their specialist facilities (e.g., The London Clinic, The Lister Hospital). This is the most expensive option.
Choosing a list that doesn't include hospitals you'd realistically travel to is a simple way to manage your premium. For example, if you live in Manchester, you likely don't need a premium London list.
Open Referral vs. Guided Options
This determines how you choose your specialist.
- Standard Open Referral: Your GP refers you to a type of specialist (e.g., a cardiologist). You then choose any specialist recognised by your insurer who practises at a hospital on your chosen list. This gives you maximum flexibility.
- Guided or "Expert Select" Options: After your GP referral, the insurer provides a shortlist of 3-5 specialists for you to choose from. Because the insurer can negotiate fees with this smaller panel, opting for a guided route often comes with a significant premium discount (around 15-20%).
This is a trade-off between choice and cost. If you don't have a specific specialist in mind and trust your insurer to provide high-quality options, a guided option is an excellent way to save money.
4. How Much Will My Premiums Be and What Factors Affect the Cost?
Your monthly or annual premium is calculated based on a range of risk factors. Understanding these helps you see where you can make adjustments to find a price that fits your budget.
Key Factors Influencing Your Premium:
- Age: This is the single biggest factor. The risk of needing medical treatment increases with age, so premiums rise accordingly.
- Location: Your postcode matters. Premiums are generally higher in major cities, especially London, due to the higher cost of private treatment there.
- Level of Cover: A comprehensive plan with full out-patient cover will cost more than a basic plan covering only in-patient treatment.
- Excess: The amount you agree to pay towards a claim. A higher excess leads to a lower premium. (More on this in Question 5).
- Hospital List: As discussed, a premium hospital list costs more than a local one.
- Underwriting Type: Sometimes, FMU can be slightly cheaper than Moratorium if you have a very clean bill of health.
- No-Claims Discount: Your claims history will impact your renewal price.
Illustrative Monthly Premiums (2025 Estimates)
The table below provides a rough guide to monthly premiums for a non-smoker on a mid-range policy with a £250 excess. These are for illustration only.
| Age | Location: Manchester (National Hospital List) | Location: Central London (Premium Hospital List) |
|---|---|---|
| 30 | £45 - £60 | £70 - £90 |
| 45 | £70 - £95 | £100 - £130 |
| 60 | £120 - £170 | £180 - £250 |
Disclaimer: These are estimated costs. Your actual quote will depend on your specific circumstances and the insurer you choose. The best way to get an accurate price is to speak with a PMI broker.
5. What Is the Excess and How Does It Work?
The "excess" is a fixed amount of money you agree to pay towards the cost of your treatment when you make a claim. The insurer pays the rest, up to your policy limits.
Choosing an excess is one of the most effective ways to manage your premium. The higher the excess you choose, the lower your monthly premium will be.
How is the Excess Applied?
This is a critical detail to check. An excess is usually applied in one of two ways:
- Per Claim/Condition: You pay the excess for each new, unrelated medical condition you claim for within a policy year.
- Per Policy Year: You pay the excess only once per policy year, regardless of how many claims you make for different conditions.
Example: You have a £250 excess.
- Per Claim: In one year, you have physiotherapy for your back (£1,000 cost) and then later have a cataract operation (£2,500 cost). You would pay the £250 excess for the back claim AND another £250 for the cataract claim, totalling £500.
- Per Year: In the same scenario, you would pay £250 for the first claim (back). The excess for the policy year is now met, so when you have your cataract operation, the insurer covers the full £2,500. You pay nothing more.
A "per year" excess is generally more favourable, but policies vary. Insurers offer a range of excess options, from £0 up to £1,000 or more. A common choice is £250 or £500.
6. Is There a No-Claims Discount (NCD)?
Similar to car insurance, most private medical insurance providers in the UK operate a No-Claims Discount (NCD) system to reward customers who don't make a claim.
- How it works: For every year you hold the policy and don't claim, you move up a level on the NCD scale, earning a larger discount on your premium at renewal. The maximum discount is typically around 60-75%.
- What happens when you claim? If you make a claim, your NCD level will usually drop back by a few levels (e.g., drop from Level 10 to Level 7) at your next renewal, increasing your premium.
Typical No-Claims Discount Scale
| NCD Level | Discount (%) |
|---|---|
| 14 (Max) | 70% |
| 13 | 68% |
| ... | ... |
| 3 | 25% |
| 2 | 15% |
| 1 (Start) | 0% |
Note: The exact scale and impact of a claim varies by insurer.
Some insurers offer a "Protected NCD" for an additional cost. This allows you to make one or two claims within a certain period without your NCD being affected. However, your base premium can still increase due to age and medical inflation.
The NCD system incentivises using your policy for significant health issues rather than minor ones, as making a small claim could lead to a larger premium increase than the cost of the treatment itself.
7. What Is the Claims Process Like?
A great policy on paper is only useful if the claims process is smooth and stress-free. You should ask your potential insurer or broker to walk you through the exact steps.
A typical private health insurance claim journey looks like this:
- See Your GP: You feel unwell or have an injury. Your first port of call is usually your NHS or private GP.
- Get a Referral: If your GP thinks you need to see a specialist, they will write you an open referral letter. This is essential for most PMI claims.
- Contact Your Insurer for Pre-authorisation: Before you book any appointments or treatment, you must call your insurer. You'll give them the details of your condition and your GP referral.
- Authorisation: The insurer checks that the condition is covered by your policy and provides you with a pre-authorisation number. They will confirm which specialists and hospitals you can use.
- Book Your Treatment: You can now book your consultation or treatment with the authorised specialist. You will need to provide them with your policy details and pre-authorisation number.
- Invoices are Settled Directly: In most cases, the hospital and specialist will invoice your insurer directly. You only need to pay your excess (if applicable).
A good insurer will have a clear, simple process with a dedicated UK-based claims team. This is where using a quality broker like WeCovr pays dividends. If you ever run into an issue with a claim, your broker can act as your advocate, liaising with the insurer on your behalf to resolve it.
8. Can I Add Family Members to My Policy?
Yes, most insurers allow you to add your partner and/or dependent children to your private medical insurance UK policy. This can be convenient, but it's important to consider the pros and cons.
- Convenience: Having everyone on one policy means one set of paperwork, one renewal date, and one point of contact.
- Cost: Adding family members will increase the premium. Some insurers offer a small discount for family policies compared to the cost of three or four separate ones. However, this isn't always the case.
- Different Needs: You and your partner might have different health needs and budget priorities. For example, you might want comprehensive cover, while your partner may only want basic in-patient cover. In this case, two separate policies might be more suitable and cost-effective.
- No-Claims Discount: On a joint policy, a claim made by any one member will affect the NCD for everyone on the policy. With separate policies, a claim only impacts the NCD of the individual who claimed.
A broker can run quotes for both a joint policy and separate policies, allowing you to see which option provides the best value for your family's specific circumstances.
9. What Additional Benefits and Wellness Programmes Are Included?
The UK private health cover market is highly competitive. To stand out, many of the best PMI providers offer a suite of valuable added benefits designed to help you stay healthy, not just treat you when you're ill.
These can include:
- Digital/Virtual GP: 24/7 access to a GP via phone or video call. This is incredibly popular, allowing you to get medical advice and prescriptions quickly without waiting for an NHS appointment.
- Mental Health Support: Access to telephone counselling lines, therapy sessions (often without needing a GP referral), and mindfulness apps. With NHS waiting times for mental health services growing, this is a hugely valuable benefit. According to NHS Digital data, around 1.8 million people were in contact with mental health services in early 2024, highlighting the immense demand.
- Wellness and Fitness Rewards: Discounts on gym memberships, fitness trackers, and healthy food. Some insurers have sophisticated programmes that reward you for being active.
- Second Medical Opinion Services: The ability to have your diagnosis and treatment plan reviewed by a world-leading expert if you are diagnosed with a serious condition.
- Health and Lifestyle Support: Access to nurses for general health queries, support for stopping smoking, or nutritional advice.
When comparing policies, don't just look at the core medical cover. These added benefits can provide significant day-to-day value and support your overall wellbeing.
At WeCovr, we enhance this value even further. Our health and life insurance clients receive complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to support their wellness goals. Furthermore, customers who purchase PMI or life insurance through us are eligible for discounts on other insurance products, providing even greater value.
10. Why Should I Use a Broker Instead of Going Direct to an Insurer?
You can buy private health cover directly from an insurer like Bupa, AXA Health, or Vitality. However, using an independent, FCA-authorised broker offers several distinct advantages, at no extra cost to you.
Brokers are paid a commission by the insurer you choose, so their expert advice and support are free for the client.
Here's why millions of people in the UK choose a broker:
- Whole-of-Market Advice: An insurer can only sell you their own products. A broker has access to policies from a wide range of insurers and can compare them impartially to find the one that truly fits your needs and budget.
- Expertise and Simplicity: Brokers are experts in the field. They can demystify the jargon (like underwriting and hospital lists), explain the fine print, and guide you through the complexities, saving you hours of research.
- Personalised Recommendations: A broker takes the time to understand your personal circumstances, health history, and what's important to you. They then tailor their recommendation, ensuring you don't pay for cover you don't need.
- Help at Renewal: A broker doesn't just help you at the start. Each year, they can review the market to ensure your renewal price is fair and your policy is still the best option. If a better deal exists elsewhere, they can help you switch.
- Claims Assistance: Should you need to make a claim, your broker can provide invaluable support and advocacy, helping to ensure the process runs smoothly.
With high customer satisfaction ratings, WeCovr prides itself on providing clear, unbiased advice to help you navigate the market with confidence.
Do I need to declare pre-existing conditions on a moratorium policy?
Is private medical insurance worth it in the UK?
Can I switch my health insurance provider easily?
Take the Next Step with Confidence
You are now equipped with the essential questions to ask when exploring the private medical insurance market. This knowledge empowers you to have meaningful conversations with providers and brokers.
The simplest way to get clear, personalised answers to all these questions and compare leading UK insurers is to speak with an expert.
Related guides
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!
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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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!