WeCovr.

Top Private Hospitals in Birmingham in 2026

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
📚 Recommended reads

Best Private Health Insurance UK 2026

Read

Average Cost of PMI (UK)

Read

PMI Provider Reviews

Read



Watch this on a dedicated video page
Scroll for the full guide
↓

TL;DR

As an FCA-authorised broker that has helped arrange over 850,000 policies, WeCovr provides expert guidance on UK private medical insurance. This guide explores Birmingham's leading private hospitals, helping you make an informed choice for your health and wellbeing. WeCovr's guide to the best-rated hospitals in Birmingham for private care Welcome to WeCovr's definitive guide to the premier private hospitals in Birmingham for 2026.

Key takeaways

  • Prompt Access to Treatment: This is the most significant advantage. PMI allows you to bypass lengthy NHS queues for eligible conditions, often reducing waiting times from many months to just a few weeks.
  • Choice and Control: You have more control over your care. You can typically choose your specialist or consultant and select a hospital that is convenient for you.
  • Private, Comfortable Facilities: Treatment is usually in a private, en-suite room, offering a more comfortable and restful environment for recovery. This often includes amenities like a personal television, better food menus, and more flexible visiting hours.
  • Access to Specialist Drugs and Therapies: Some advanced treatments or drugs may not be available on the NHS due to cost or other restrictions. A comprehensive PMI policy can provide access to these, subject to policy terms.
  • Chronic Conditions: These are long-term conditions that cannot be cured but can be managed, such as diabetes, asthma, arthritis, or high blood pressure. These will always be managed by the NHS.

As an FCA-authorised broker that has helped arrange over 850,000 policies, WeCovr provides expert guidance on UK private medical insurance. This guide explores Birmingham's leading private hospitals, helping you make an informed choice for your health and wellbeing.

WeCovr's guide to the best-rated hospitals in Birmingham for private care

Welcome to WeCovr's definitive guide to the premier private hospitals in Birmingham for 2026. As the UK's second-largest city, Birmingham is not only a vibrant cultural and economic hub but also a centre for medical excellence. With NHS waiting lists remaining a significant concern for many, an increasing number of people are turning to private medical insurance (PMI) to gain faster access to high-quality healthcare.

This comprehensive article will walk you through the top-rated private hospitals in the Birmingham area, explain how private health cover works, and provide actionable insights to help you navigate your healthcare journey.

Why Consider Private Healthcare in Birmingham?

The National Health Service (NHS) is a national treasure, but it is under immense pressure. As of early 2026, waiting lists for routine treatments in England remain a significant concern, affecting millions of people. For residents in the West Midlands, this can mean long, anxious waits for consultations, diagnostics, and surgery.

Private medical insurance offers a compelling alternative. Here are the primary benefits:

  • Prompt Access to Treatment: This is the most significant advantage. PMI allows you to bypass lengthy NHS queues for eligible conditions, often reducing waiting times from many months to just a few weeks.
  • Choice and Control: You have more control over your care. You can typically choose your specialist or consultant and select a hospital that is convenient for you.
  • Private, Comfortable Facilities: Treatment is usually in a private, en-suite room, offering a more comfortable and restful environment for recovery. This often includes amenities like a personal television, better food menus, and more flexible visiting hours.
  • Access to Specialist Drugs and Therapies: Some advanced treatments or drugs may not be available on the NHS due to cost or other restrictions. A comprehensive PMI policy can provide access to these, subject to policy terms.

According to NHS England data, the median waiting time for consultant-led elective care can be substantial. By opting for private care, you are essentially choosing to manage your health on your own schedule.

Understanding Private Medical Insurance (PMI): The Essentials

Before diving into the hospitals, it's crucial to understand what private medical insurance is and, more importantly, what it isn't.

In simple terms, PMI is an insurance policy designed to cover the costs of private medical treatment for acute conditions.

An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include joint replacements, cataract surgery, hernia repairs, or treatment for infections.

The Critical Point: What PMI Does Not Cover

It is vital to understand that standard UK private medical insurance does not cover chronic or pre-existing conditions.

  • Chronic Conditions: These are long-term conditions that cannot be cured but can be managed, such as diabetes, asthma, arthritis, or high blood pressure. These will always be managed by the NHS.
  • Pre-existing Conditions: These are any illnesses or injuries you had before you took out the policy. For example, if you have a history of knee pain, treatment for that same knee would not be covered.

PMI is for new, eligible medical problems that arise after your policy begins.

Key PMI Terms Explained

When you look for a policy, you'll encounter a few key terms. Here’s a simple breakdown:

TermWhat It Means
UnderwritingThe process the insurer uses to assess your medical history. The two main types are Moratorium (no medical questions upfront, but pre-existing conditions from the last 5 years are excluded for an initial period) and Full Medical Underwriting (you declare your full medical history upfront).
Inpatient CoverThis covers treatment when you are admitted to a hospital and stay overnight. This is the core of all PMI policies.
Outpatient CoverThis covers consultations, diagnostic tests (like MRI scans), and therapies where you do not need to be admitted to a hospital. This is often an optional add-on.
ExcessThe amount you agree to pay towards a claim. For example, if you have a £250 excess and your treatment costs £3,000, you pay the first £250, and the insurer pays the rest. A higher excess usually means a lower monthly premium.
Hospital ListThe list of hospitals where your policy will cover your treatment. Cheaper policies may have a more restricted list, so it's vital to check that your preferred Birmingham hospitals are included.

A specialist PMI broker like WeCovr can demystify these options and help you tailor a policy that fits your needs and budget, ensuring you have the right cover when you need it most.

How We Selected Birmingham's Top Private Hospitals for 2026

To provide you with a trustworthy and objective guide, we assessed Birmingham's private hospitals based on a set of robust criteria. Our selection process is not based on advertising but on genuine markers of quality and patient satisfaction.

  1. Care Quality Commission (CQC) Ratings: The CQC is the independent regulator of all health and social care services in England. Their ratings ('Outstanding', 'Good', 'Requires Improvement', 'Inadequate') are the most reliable indicator of a hospital's safety, effectiveness, and leadership. We prioritise hospitals with 'Good' or 'Outstanding' ratings.
  2. Patient Reviews and Feedback: We analyse publicly available patient feedback from sources like Google Reviews, Private Healthcare UK, and other independent platforms to gauge real-world patient experiences.
  3. Range of Specialisms: A top hospital offers a comprehensive range of services, from diagnostics and general surgery to highly specialised fields like cardiology, oncology, and advanced orthopaedics.
  4. Consultant Expertise: The quality of a hospital is defined by the quality of its consultants. We look for hospitals with leading, highly-respected specialists.
  5. Facilities and Technology: Modern medical technology, clean and comfortable facilities, and investment in the patient environment are key considerations.
  6. Insurer Recognition: We ensure the hospitals are recognised and covered by the UK's leading private medical insurance providers, including Bupa, AXA Health, Aviva, and Vitality.

The Best Private Hospitals in Birmingham: A Detailed Review

Birmingham is home to several outstanding private healthcare facilities. Here is our detailed review of the leading hospitals you should consider for your private treatment.

The Priory Hospital (Circle Health Group)

Overview: Located in Edgbaston's renowned medical quarter, The Priory Hospital is one of the most established and well-respected private hospitals in the UK. Part of the Circle Health Group, it has a long-standing reputation for clinical excellence and complex surgical procedures.

CQC Rating: Good

Key Specialisms: The Priory is a major surgical hospital with deep expertise in several complex areas.

  • Orthopaedics: Specialist care for hip, knee, spine, shoulder, and foot and ankle surgery. It is a major centre for robotic-assisted joint replacement surgery (Mako).
  • Cardiology & Cardiac Surgery: A leading centre for private heart surgery in the Midlands, offering everything from diagnostics to complex bypass operations.
  • Cancer Care: A dedicated oncology unit providing chemotherapy, radiotherapy, and surgical oncology in partnership with GenesisCare.
  • Neurosurgery: Specialises in complex spinal surgery and brain surgery.
  • Urology: Comprehensive services for prostate, bladder, and kidney conditions.

Facilities & Patient Experience: The hospital has over 100 private patient rooms, a state-of-the-art imaging department with MRI and CT scanners, a 10-bed Intensive Care Unit (ICU) for complex cases, and six operating theatres. Patients consistently praise the nursing care, the cleanliness of the facilities, and the quality of the food.

Location & Accessibility: Priory Road, Edgbaston, Birmingham, B5 7UG. It is easily accessible from the city centre and has on-site parking.

FeatureThe Priory Hospital
CQC RatingGood
Best ForComplex surgery (cardiac, neuro, orthopaedics)
Key TechnologyMako Robotic-Arm for joint replacement
ICU FacilitiesYes, 10-bed Intensive Care Unit
Patient VibeProfessional, clinical excellence, comprehensive

Spire Parkway Hospital

Overview: Situated in Solihull on the outskirts of Birmingham, Spire Parkway Hospital is known for its modern facilities, broad range of services, and excellent patient feedback. It serves patients from across the West Midlands, Warwickshire, and Worcestershire.

CQC Rating: Good

Key Specialisms: Spire Parkway offers a wide array of treatments, making it a great all-round choice.

  • Orthopaedics: A major focus, with high volumes of hip and knee replacements, and expertise in sports injuries.
  • General Surgery: Including gallbladder and hernia repair.
  • Gynaecology: A dedicated women's health unit.
  • Ophthalmology: A hub for cataract surgery and other eye procedures.
  • Cosmetic Surgery: A wide range of cosmetic and plastic surgery procedures are performed by specialist consultants.

Facilities & Patient Experience: The hospital features 51 private en-suite rooms, an advanced imaging department, and five operating theatres. It also has a dedicated day-care unit for minor procedures. Patients often highlight the friendly and attentive staff, the calm atmosphere, and the efficiency of the service.

Location & Accessibility: 1 Damson Parkway, Solihull, Birmingham, B91 2PP. It is conveniently located near the M42 motorway and Birmingham International Airport, with ample free parking.

FeatureSpire Parkway Hospital
CQC RatingGood
Best ForAll-round care, orthopaedics, patient experience
Key TechnologyAdvanced diagnostic imaging (MRI, CT)
ICU FacilitiesNo, but has an Enhanced Recovery Unit
Patient VibeModern, friendly, efficient

Spire Little Aston Hospital

Overview: Located just north of Birmingham in Sutton Coldfield, Spire Little Aston Hospital has a strong reputation for providing high-quality care in a serene, modern setting. It's a popular choice for those living in the northern parts of the city and surrounding areas like Lichfield and Tamworth.

CQC Rating: Good

Key Specialisms:

  • Dermatology: A specialist skin care and mole-screening clinic.
  • Orthopaedics: A very active department covering all major joints.
  • Pain Management: A dedicated service for chronic pain conditions.
  • Men's Health: Including a specialist prostate clinic.
  • Endoscopy: A JAG-accredited unit for procedures like colonoscopy and gastroscopy.

Facilities & Patient Experience: The hospital is known for its clean, bright, and modern design. It has private rooms, a well-equipped physiotherapy gym, and state-of-the-art diagnostic facilities. The smaller scale of the hospital is often praised by patients, who feel it contributes to a more personal and less intimidating experience.

Location & Accessibility: Little Aston Hall Drive, Little Aston, Sutton Coldfield, B74 3UP. Set in peaceful grounds, it offers a tranquil environment for recovery with plenty of free parking.

FeatureSpire Little Aston Hospital
CQC RatingGood
Best ForDermatology, orthopaedics, a personal touch
Key TechnologyJAG-accredited endoscopy suite
ICU FacilitiesNo
Patient VibeCalm, personal, modern

The Edgbaston Hospital (Circle Health Group)

Overview: Formerly the BMI Edgbaston Hospital, this facility is also part of the Circle Health Group and is located close to The Priory Hospital. It focuses more on routine surgical procedures, diagnostics, and outpatient services, acting as a complementary facility to its larger sister hospital.

CQC Rating: Good

Key Specialisms:

  • Diagnostics: A major strength, with rapid access to MRI, CT, X-ray, and ultrasound scans.
  • Day-Case Surgery: Specialises in procedures where patients can go home the same day, such as cataract surgery or minor orthopaedic repairs.
  • Physiotherapy: A large and highly-regarded physiotherapy department with a hydrotherapy pool.
  • Health Assessments: Comprehensive private health checks for individuals and businesses.

Facilities & Patient Experience: The hospital is designed for efficiency and convenience. It has modern consultation rooms, an advanced imaging suite, and a dedicated physiotherapy gym. Patients choose The Edgbaston for its quick access to diagnostics and efficient handling of more routine procedures.

Location & Accessibility: 22 Somerset Road, Edgbaston, Birmingham, B15 2QQ. Co-located with The Priory, it benefits from the same excellent transport links.

FeatureThe Edgbaston Hospital
CQC RatingGood
Best ForFast diagnostics, physiotherapy, day-case surgery
Key TechnologyHydrotherapy pool
ICU FacilitiesNo
Patient VibeEfficient, diagnostic-focused, convenient

Comparing Birmingham's Private Hospitals at a Glance

To help you make a quick comparison, here is a summary table of the leading private hospitals in Birmingham.

HospitalLocationCQC Overall RatingKey SpecialismsBest For...
The Priory HospitalEdgbastonGoodCardiology, Neurosurgery, Complex Orthopaedics, Cancer CarePatients needing complex surgery or intensive care support.
Spire Parkway HospitalSolihullGoodOrthopaedics, General Surgery, Gynaecology, Cosmetic SurgeryExcellent all-round care with a superb patient experience.
Spire Little Aston HospitalSutton ColdfieldGoodOrthopaedics, Dermatology, Pain Management, EndoscopyA personal, modern hospital experience north of the city.
The Edgbaston HospitalEdgbastonGoodDiagnostics (MRI/CT), Physiotherapy, Day-Case SurgeryQuick access to scans, health checks, and minor procedures.

How to Access These Hospitals with Private Medical Insurance

Having a private medical insurance UK policy is your key to unlocking treatment at these top facilities. The process is straightforward:

  1. Visit Your GP: If you have a health concern, your first step is always to see your NHS GP. They will assess your condition.
  2. Get a Referral: If your GP believes you need to see a specialist, they will write you an open referral letter.
  3. Contact Your Insurer: Call your PMI provider's claims line with your referral details. They will check your policy to ensure the condition is covered.
  4. Get Authorisation: Your insurer will give you an authorisation number for the consultation and any initial tests. They will also provide a list of approved specialists.
  5. Choose Your Specialist and Hospital: You can now choose a consultant and one of the approved hospitals, like The Priory or Spire Parkway.
  6. Book Your Appointment: Contact the hospital or consultant's secretary to book your appointment, providing your authorisation details. The hospital will then bill your insurer directly (minus any excess you have).

Working with an expert broker like WeCovr can be invaluable here. We help you choose a policy with a comprehensive hospital list that includes all these top Birmingham facilities, ensuring you have maximum choice when it matters.

Beyond Hospital Care: Enhancing Your Wellbeing in Birmingham

True health isn't just about treating illness; it's about fostering overall wellbeing. Private medical insurance is a fantastic safety net, but a healthy lifestyle is your first line of defence. Birmingham offers plenty of opportunities to stay active and healthy.

  • Active Living: Explore the city's vast network of canals for walking or cycling. Enjoy the green spaces of Cannon Hill Park or the expansive Sutton Park, one of Europe's largest urban parks.
  • Healthy Eating: Visit the Bull Ring Indoor Market for fresh produce or explore the independent cafes and restaurants in areas like Moseley and the Jewellery Quarter that offer healthy, locally-sourced food.
  • Mindfulness and Relaxation: Find a local yoga or pilates studio to help manage stress. Taking time for mental recuperation is just as important as physical fitness.

To support your health journey, WeCovr provides all our health and life insurance customers with complimentary access to our AI-powered nutrition app, CalorieHero. It's a simple tool to help you track your diet and make healthier choices every day. Furthermore, customers who purchase PMI or life insurance through us can often access discounts on other types of cover, such as home or travel insurance.

Understanding the Cost of Private Healthcare in Birmingham

The cost of a private medical insurance policy can vary significantly based on several factors. It's a personalised product, so what your friend or neighbour pays might be very different from your quote.

Here are the main factors that influence your premium:

FactorImpact on PremiumExample
AgeHigherPremiums increase with age as the statistical risk of needing treatment grows.
LocationMediumPostcodes are grouped into bands. Major cities like Birmingham with high-cost hospitals can sometimes have slightly higher premiums than rural areas.
Cover LevelHighA comprehensive policy with full outpatient cover will cost more than a basic policy covering only inpatient treatment.
ExcessHighChoosing a higher excess (e.g., £500) will significantly reduce your monthly premium compared to a £0 or £100 excess.
Hospital ListMediumA policy with a limited list of hospitals will be cheaper than one offering access to all top-tier facilities.
Smoker StatusMediumNon-smokers pay less than smokers due to the associated health risks.

The only way to know the true cost for you is to get a tailored quote. This is where a PMI broker provides immense value. WeCovr can compare policies from across the market in minutes, finding the best PMI provider for your specific circumstances and budget, at no cost to you.

Do I need a GP referral for private treatment in Birmingham?

Generally, yes. To use your private medical insurance, you will almost always need a referral from your NHS GP. This is because insurers need confirmation that the treatment is medically necessary. The referral allows them to authorise your claim and ensures a smooth process for accessing specialists at hospitals like Spire Parkway or The Priory.

Does private medical insurance cover pre-existing conditions?

No, standard UK private medical insurance policies do not cover pre-existing conditions. PMI is designed to cover the cost of treatment for new, acute medical conditions that arise *after* your policy has started. Chronic conditions like diabetes or asthma are also not covered and remain under the care of the NHS. It is crucial to understand this limitation before purchasing a policy.

Can I choose my surgeon at a Birmingham private hospital?

Yes, one of the primary benefits of private health cover is the ability to choose your specialist or surgeon. As long as the consultant is recognised by your insurance provider and practises at your chosen hospital, you have the freedom to select them. This gives you greater control over your healthcare and allows you to choose a specialist based on their reputation and expertise.

What is the difference between inpatient and outpatient cover?

**Inpatient cover** applies when you are admitted to a hospital bed for treatment, surgery, or tests and stay overnight. This is the core component of every PMI policy. **Outpatient cover** is for medical care where you do not need to be admitted to a hospital bed. This includes specialist consultations, diagnostic scans (like MRIs or CTs), and therapies such as physiotherapy. Outpatient cover is usually an optional add-on that you can tailor to your needs and budget.

Choosing the right private hospital and the right health insurance policy is a significant decision. Birmingham offers some of the best private medical facilities in the country, and with the right plan, you can access them quickly and conveniently.

Ready to secure peace of mind and take control of your healthcare?

Get a free, no-obligation quote from WeCovr today. Our expert advisors will compare the UK's leading insurers to find the perfect private health cover for you and your family.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.
Get Quote

Related tools

NHS Wait vs Private Cost MapOpen →
Private Surgery Price ListOpen →
Health Risk AssessmentOpen →
Can I Get Covered? CheckerOpen →
International PMI CalculatorOpen →
PMI Provider ReviewsOpen →
Back to Private Health Insurance (PMI) hub

WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

Flagship guides

Best Private Health Insurance UK 2026
Read now →
Average Cost of Private Health Insurance UK 2026
Read now →
Should I Get Private Health Insurance?
Read now →

Explore insurance hubs

PMI Guides Hub
Life Insurance Guides Hub
Income Protection Guides Hub

Related guides

Top Private Hospitals in Birmingham for 2026
Top Private Hospitals in Birmingham for 2026
Read more →
Top Private Hospitals in Birmingham in 2026
Top Private Hospitals in Birmingham in 2026
Read more →
Best Private Hospitals in London 2026 Guide
Best Private Hospitals in London 2026 Guide
Read more →
Best Private Hospitals in London (2026) Specialties, Costs & Insurance Acceptance
Best Private Hospitals in London (2026) Specialties, Costs & Insurance Acceptance
Read more →
Best Private Hospitals in London and the UK for 2026
Best Private Hospitals in London and the UK for 2026
Read more →
Best Private Hospitals in London and the UK for 2026
Best Private Hospitals in London and the UK for 2026
Read more →

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

Our Group Is Proud To Have Issued 900,000+ 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!