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True Cost of PMI for Over-50s in 2026

True Cost of PMI for Over-50s in 2026 2026

TL;DR

As an FCA-authorised expert insurance broker that has arranged over 900,000 policies, WeCovr understands the nuances of the private medical insurance (PMI) market in the UK. This guide unpacks the real costs and considerations for those over 50, helping you make an informed decision about your future health. Detailed guide to later-life premiums and exclusions Navigating the world of private health cover can feel daunting, especially as you enter your 50s, 60s, and beyond.

Key takeaways

  • Bypassing NHS Waiting Lists: This is the primary driver for most people. According to NHS England data from late 2024, the number of people waiting for routine hospital treatment stood at over 7.5 million. For conditions that affect quality of life, such as joint pain requiring a hip replacement or cataracts impairing vision, waiting months or even years can be debilitating. PMI offers a route to prompt diagnosis and treatment.
  • Choice and Control: Private health cover gives you more control over your care. You can often choose the specialist or surgeon who treats you, select a hospital that is convenient for you, and schedule treatment at a time that fits your life.
  • Access to a Private Room: A significant comfort factor for many is the near-guarantee of a private, en-suite room during a hospital stay, offering more peace, privacy, and comfort during recovery.
  • Access to Specialist Drugs and Treatments: Some advanced cancer drugs or novel treatments may not be available on the NHS due to cost constraints set by the National Institute for Health and Care Excellence (NICE). A comprehensive PMI policy may provide cover for these options.
  • Peace of Mind: Knowing you have a plan in place to deal with health concerns swiftly can remove a significant source of anxiety for you and your family.

As an FCA-authorised expert insurance broker that has arranged over 900,000 policies, WeCovr understands the nuances of the private medical insurance (PMI) market in the UK. This guide unpacks the real costs and considerations for those over 50, helping you make an informed decision about your future health.

Detailed guide to later-life premiums and exclusions

Navigating the world of private health cover can feel daunting, especially as you enter your 50s, 60s, and beyond. You might be wondering if it's worth the investment, what it really costs, and what hidden catches to look out for.

This comprehensive guide is designed to answer those questions. We'll break down how premiums are calculated, reveal the crucial exclusions you must know about, and provide actionable tips for securing the best possible cover for your budget as we look ahead to 2026.

Why Consider Private Medical Insurance After 50?

As we get older, our health naturally becomes a more prominent concern. While the NHS provides an essential service to the nation, it is facing unprecedented pressures. For many over 50, private medical insurance isn't about replacing the NHS, but about supplementing it to gain speed, choice, and peace of mind.

Key reasons to consider PMI in later life include:

  • Bypassing NHS Waiting Lists: This is the primary driver for most people. According to NHS England data from late 2024, the number of people waiting for routine hospital treatment stood at over 7.5 million. For conditions that affect quality of life, such as joint pain requiring a hip replacement or cataracts impairing vision, waiting months or even years can be debilitating. PMI offers a route to prompt diagnosis and treatment.
  • Choice and Control: Private health cover gives you more control over your care. You can often choose the specialist or surgeon who treats you, select a hospital that is convenient for you, and schedule treatment at a time that fits your life.
  • Access to a Private Room: A significant comfort factor for many is the near-guarantee of a private, en-suite room during a hospital stay, offering more peace, privacy, and comfort during recovery.
  • Access to Specialist Drugs and Treatments: Some advanced cancer drugs or novel treatments may not be available on the NHS due to cost constraints set by the National Institute for Health and Care Excellence (NICE). A comprehensive PMI policy may provide cover for these options.
  • Peace of Mind: Knowing you have a plan in place to deal with health concerns swiftly can remove a significant source of anxiety for you and your family.

According to the Office for National Statistics (ONS), the UK's population is ageing. Projections show that by 2030, roughly one in five people will be aged 65 or over. This demographic shift will inevitably place further strain on public health services, making the speed and choice offered by private healthcare an increasingly attractive proposition.

Understanding How PMI Premiums are Calculated for Over-50s

Insurers use a range of factors to calculate your premium. It's not a one-size-fits-all price. Understanding these elements is the key to finding a policy that balances cost and coverage effectively.

FactorHow it Affects Your Premium
AgeHigh Impact. This is the single most significant factor. As we age, the statistical likelihood of needing medical treatment increases, so premiums rise accordingly.
LocationMedium Impact. Your postcode matters. The cost of private treatment varies across the UK, with hospitals in Central London and the South East being the most expensive.
Level of CoverHigh Impact. From basic plans covering only in-patient care to comprehensive policies with out-patient diagnostics, therapies, and mental health support.
ExcessHigh Impact. The amount you agree to pay towards a claim. A higher excess (£500 or £1,000) will significantly lower your monthly premium.
UnderwritingHigh Impact. The method an insurer uses to assess your medical history. This determines which conditions are excluded.
Hospital ListMedium Impact. Opting for a policy with a reduced list of eligible hospitals (e.g., excluding central London facilities) can reduce your premium.
No Claims DiscountMedium Impact. Similar to car insurance, you can build up a discount for every year you don't make a claim, which can help offset age-related increases.
LifestyleMedium Impact. Being a smoker can increase your premiums by 30-50% due to the associated health risks.

A Deeper Dive into Key Factors

  1. Underwriting: Moratorium vs. Full Medical Underwriting (FMU) This is a crucial choice that dictates what is and isn't covered.

    • Moratorium (MORI): This is the most common type. You don't declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms, treatment, or advice for in the last 5 years. However, if you then go a continuous 2-year period after your policy starts without needing treatment, advice, or having symptoms for that condition, it may become eligible for cover. It's simpler and quicker to set up.
    • Full Medical Underwriting (FMU): You complete a detailed health questionnaire, declaring your entire medical history. The insurer then assesses this and tells you exactly what is excluded from day one. It provides certainty but takes longer to arrange. For those with a complex medical history, it can be the clearer option.

  2. Level of Cover Insurers typically offer tiered plans:

    • Basic/Entry-Level: Covers the most expensive part of private care – in-patient and day-patient treatment (when you're admitted to a hospital bed). It may have limits on out-patient consultations or diagnostics.
    • Mid-Range: Includes everything in a basic plan plus more comprehensive out-patient cover, such as a set number of specialist consultations and diagnostic tests (e.g., MRI, CT scans) up to a certain financial limit (e.g., £1,000).
    • Comprehensive: Offers the widest protection. It typically includes full in-patient and out-patient cover with higher (or unlimited) financial limits, plus extensive therapies (physiotherapy, osteopathy), mental health support, and sometimes dental and optical benefits.

  3. The "6-Week Option" This is a popular way to reduce costs. If the NHS can provide the in-patient treatment you need within six weeks of when it is recommended, you agree to use the NHS. If the NHS wait is longer than six weeks, your private medical insurance policy kicks in. This effectively makes your PMI a safety net for long waits, significantly reducing your premium.

The "True Cost": Estimated PMI Premiums for Over-50s in 2026

Predicting exact future costs is impossible, but based on current market data (2024/2025) and anticipated medical inflation of 8-10% per year, we can provide some realistic estimates. These figures are for a non-smoker with a £250 excess.

Important: These are indicative monthly premiums. Your actual quote will depend on all the factors listed in the previous section.

Age BracketBasic Cover (e.g., In-patient only)Mid-Range Cover (e.g., £1,000 out-patient)Comprehensive Cover (Full out-patient)
50-59£75 - £110£100 - £150£130 - £200
60-69£110 - £170£160 - £240£210 - £320
70-79£180 - £280£250 - £380£330 - £500+
80+£290+£390+£520+

As you can see, age is the dominant factor. A person in their 70s can expect to pay more than double what someone in their 50s pays for equivalent cover. This is a direct reflection of the increased risk and likelihood of claims in older age groups. An expert PMI broker like WeCovr can help you navigate these costs by comparing the entire market to find a plan that fits your specific needs and budget.

Crucial Exclusions: What Standard PMI for Over-50s Will NOT Cover

This is the most misunderstood part of private medical insurance. Understanding what is excluded is just as important as knowing what is included. UK PMI is designed to cover acute conditions that arise after you take out the policy.

The Two Golden Rules of PMI Exclusions

  1. No Cover for Pre-existing Conditions: A pre-existing condition is any disease, illness, or injury for which you have experienced symptoms, received medication, advice, or treatment before your policy start date. For example, if you have a knee injury from 10 years ago that occasionally flares up, treatment for that knee will be excluded.
  2. No Cover for Chronic Conditions: A chronic condition is an illness that is long-lasting, cannot be fully cured, and requires ongoing management. PMI is for conditions that can be resolved with a course of treatment (acute conditions).
Covered (Acute Conditions)Not Covered (Chronic Conditions)
Joint replacement (e.g., hip, knee)Long-term management of arthritis
Cataract surgeryManagement of glaucoma
Hernia repairManagement of high blood pressure (hypertension)
Cancer diagnosis and treatmentManagement of diabetes
Gallbladder removalManagement of asthma or COPD
Heart surgery (e.g., bypass)Long-term monitoring for heart conditions
Diagnosis of new symptoms (e.g., scans for a lump)Management of Crohn's disease or colitis

Other Standard Exclusions

Beyond pre-existing and chronic conditions, most UK private health cover policies will also exclude:

  • Visits to Accident & Emergency (A&E)
  • Organ transplants
  • Cosmetic surgery (unless for reconstruction after an accident or covered surgery)
  • Normal pregnancy and childbirth
  • Treatment for addiction (e.g., drugs, alcohol)
  • Fertility treatments (IVF)
  • Self-inflicted injuries
  • Professional sports injuries

It is vital to read your policy documents carefully to understand the specific exclusions that apply to you.

How to Lower Your PMI Premiums Without Sacrificing Quality

While premiums inevitably rise with age, you are not powerless. There are several effective strategies to manage the cost of your private health cover.

  1. Increase Your Excess: This is the quickest way to reduce your premium. Increasing your excess from £100 to £500, for example, could lower your monthly cost by 20-30%. You just need to be sure you can afford to pay that amount if you need to make a claim.
  2. Choose a "Guided" or Limited Hospital List: Most major insurers (like Aviva, AXA, and Bupa) offer "guided" consultant options. This means you choose from a smaller, pre-approved list of specialists, which helps the insurer manage costs. Similarly, opting out of expensive central London hospitals can provide significant savings.
  3. Add a 6-Week Option: As mentioned earlier, agreeing to use the NHS if treatment is available within six weeks can cut premiums by up to 25%.
  4. Review Your Cover Annually: Don't just let your policy auto-renew. Your needs may have changed. A comprehensive plan might have been right at 55, but a more focused, budget-friendly plan could be better at 65. Use a broker to re-compare the market each year.
  5. Pay Annually: Most insurers offer a small discount (around 5%) if you pay for the full year upfront, as it reduces their administration costs.
  6. Maintain a Healthy Lifestyle: While it won't give you an immediate discount (beyond not being a smoker), staying active and healthy reduces your long-term risk of needing to claim, which helps keep your No Claims Discount intact. Many modern policies, like those from Vitality, actively reward healthy living with lower premiums and other perks.

The Added Value: Beyond Hospital Bills

Modern PMI is about more than just paying for surgery. The best PMI providers now include a host of added-value benefits designed to keep you healthy and provide support when you need it. These are often available to use without needing to make a claim and do not affect your No Claims Discount.

  • 24/7 Digital GP: Get a virtual GP appointment via phone or video, often within a few hours. This is incredibly convenient for getting quick advice, prescriptions, or referrals without waiting weeks to see your NHS GP.
  • Mental Health Support: Most policies now include access to a mental health helpline or a set number of therapy sessions (e.g., CBT) without needing a GP referral.
  • Wellness Programmes: Insurers are increasingly focused on prevention. This can include discounts on gym memberships, fitness trackers, and health screenings.
  • Expert Second Opinions: If you are diagnosed with a serious condition, many policies allow you to get a second opinion from a world-leading expert to ensure your diagnosis and treatment plan are correct.

At WeCovr, we enhance this value further. All our PMI clients receive complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app, to help you stay on top of your health goals. Furthermore, customers who purchase PMI or Life Insurance through us are eligible for discounts on other types of cover, from home to travel insurance.

Real-Life Scenarios: How PMI Works for Over-50s

Let's look at two hypothetical but realistic examples.

Scenario 1: David, 58, a keen walker with knee pain. David starts to experience persistent pain and clicking in his right knee, making his weekend walks difficult.

  1. GP Visit: He uses his policy's Digital GP service and gets a video appointment the same day. The GP suspects osteoarthritis and gives him an open referral for an orthopaedic specialist.
  2. Specialist & Scans: David's insurer approves the consultation. The specialist sees him within a week and recommends an MRI scan to confirm the diagnosis, which happens a few days later.
  3. The Diagnosis: The scan confirms advanced osteoarthritis and the need for a knee replacement.
  4. Treatment: Because David's PMI policy has a 6-week option and the NHS waiting list in his area is 14 months for this procedure, his insurer approves the surgery. He chooses a hospital near his home and has the operation four weeks later.
  5. Recovery: The policy also covers the post-operative physiotherapy sessions, helping him get back on his feet and back to his walks much faster.

Without PMI: David would have faced a wait of several weeks for a GP appointment, followed by a months-long wait to see a specialist, and then over a year on the waiting list for the surgery itself, all while living with debilitating pain.

Scenario 2: Susan, 67, discovers a worrying mole. Susan notices a mole on her back has changed shape.

  1. GP Referral: She sees her NHS GP, who is concerned and refers her to a dermatologist under the 2-week cancer pathway.
  2. PMI for Speed & Choice: While the NHS pathway is fast, Susan wants to see a specific specialist recommended by a friend. She calls her insurer, who confirms the specialist is on their list.
  3. Consultation & Removal: She sees the private dermatologist three days later. They recommend removing the mole immediately for a biopsy. The minor procedure is done in the consultant's clinic the following day.
  4. Results: The biopsy comes back clear – it was a benign mole. Susan has peace of mind within a week of first noticing the issue.

Without PMI: Susan would have rightly used the excellent NHS 2-week cancer pathway. However, PMI gave her the added choice of specialist and potentially even faster access, reducing her anxiety during a stressful time.

For anyone over 50, trying to compare the complex policies from providers like Bupa, AXA Health, Aviva, and Vitality can be overwhelming. This is where an independent, FCA-authorised broker like WeCovr becomes invaluable.

A specialist broker's job is to:

  • Understand Your Needs: We take the time to listen to your health concerns, budget, and priorities.
  • Compare the Whole Market: We have access to policies and prices from all the UK's leading insurers, including deals not available to the public.
  • Explain the Jargon: We translate the complex terms of underwriting, hospital lists, and benefit limits into plain English.
  • Provide Unbiased Advice: As we are not tied to any single insurer, our only goal is to find the absolute best policy for you.
  • Save You Time and Money: We do all the research and paperwork for you, ensuring you get the right cover at the most competitive price.
  • Offer Support at Claim Time: Should you need to make a claim, we can be there to help and advocate on your behalf.

Best of all, using a broker like WeCovr costs you nothing. We are paid a commission by the insurer you choose, but the premium you pay is the same as, or often cheaper than, going direct.

Do I need to declare my entire medical history to get private health cover?

It depends on the type of underwriting you choose. With 'Moratorium' underwriting, you don't declare your history upfront; the policy simply excludes anything you've had treatment or advice for in the last 5 years. With 'Full Medical Underwriting', you do complete a full health declaration, and the insurer gives you a definitive list of exclusions from the start. An expert broker can advise which is best for your situation.

Can I get PMI if I already have a chronic condition like diabetes or high blood pressure?

Yes, you can absolutely get private medical insurance. However, the policy will not cover the management, monitoring, or treatment of the chronic condition itself. It is designed to cover new, unrelated acute conditions that arise after you join. For example, if you have well-managed diabetes, your policy would still cover you for a cataract operation or a hip replacement.

Is private medical insurance worth the cost if I'm healthy at 55?

This is a personal decision, but the best time to take out private health cover is when you are healthy. It allows you to lock in cover for any new, acute conditions that may develop in the future. If you wait until you have a health problem, that problem will be classed as a pre-existing condition and will be excluded from cover, defeating the purpose for many. It's a form of protection for your future health.

What happens to my premium if I make a claim?

Most UK private medical insurance policies operate with a No Claims Discount (NCD). If you make a claim, you can expect your NCD level to be reduced at your next renewal, which will increase your premium. The scale of the increase depends on the insurer's specific NCD structure. Conversely, for every year you don't claim, your NCD increases, helping to offset age-related price rises.

Take control of your health journey.

The world of private medical insurance in the UK for those over 50 is complex, but the benefits of speed, choice, and peace of mind can be life-changing. Don't navigate it alone.

Speak to one of our friendly, expert advisors at WeCovr today for a free, no-obligation quote. We'll compare the market for you and find a policy that protects your health without breaking the bank.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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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.

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