WeCovr.

Login

UK Autoimmune Crisis Millions Undiagnosed

UK Autoimmune Crisis Millions Undiagnosed 2025

At WeCovr, an FCA-authorised expert insurance broker that has helped arrange over 800,000 policies, we see the devastating impact of delayed diagnoses. This guide explores the UK's silent autoimmune crisis and explains how private medical insurance can be your lifeline to rapid answers and a more resilient future.

UK 2025 Shock New Data Reveals Millions of Britons Secretly Battle Undiagnosed Autoimmune Conditions, Fueling a Staggering £4.5 Million+ Lifetime Burden of Chronic Pain, Organ Damage, Debilitating Fatigue & Eroding Quality of Life – Your PMI Pathway to Rapid Advanced Diagnostics, Personalised Treatment Plans & LCIIP Shielding Your Foundational Vitality & Future Resilience

A silent health crisis is unfolding across the United Kingdom. It doesn't make the nightly news, but it lives in the persistent fatigue, the unexplained joint pain, and the gnawing anxiety of millions. Groundbreaking 2025 analysis, building on landmark studies, reveals that as many as one in ten Britons—over 6 million people—are living with an autoimmune disease. Shockingly, a significant number of these individuals remain undiagnosed, trapped in a diagnostic odyssey that can last for years.

This delay comes at a monumental cost. The journey is one of chronic pain, potential organ damage, and a slow erosion of life's joys. For some, the cumulative lifetime financial burden—factoring in healthcare, lost earnings, and quality-of-life adjustments—can reach an astonishing £4.5 million or more.

But there is a pathway to clarity and control. Private Medical Insurance (PMI) offers a powerful alternative, providing rapid access to the specialists and advanced diagnostics needed to secure a swift diagnosis. This isn't just about convenience; it's about reclaiming your health, vitality, and future resilience.

The Hidden Epidemic: Understanding the UK's Autoimmune Challenge

An autoimmune condition occurs when your body's immune system, designed to fight off invaders like viruses and bacteria, mistakenly attacks its own healthy cells and tissues. There are over 80 different types of autoimmune diseases, each with unique characteristics but often sharing a confusing and overlapping set of symptoms.

Recent data from leading UK research institutions paints a stark picture:

  • Prevalence: Approximately 10% of the UK population is affected, with women being disproportionately impacted.
  • The Diagnostic Gap: The average time to get a diagnosis for many autoimmune conditions, such as Lupus or Axial Spondyloarthritis, can be several years. During this time, the underlying disease can progress unchecked.
  • Common Culprits: Conditions like Rheumatoid Arthritis, Type 1 Diabetes, Multiple Sclerosis (MS), and Crohn's Disease are becoming increasingly common.

Common Autoimmune Conditions and Their Deceptive Symptoms

ConditionCommon Symptoms Often Mistaken For Something Else
Rheumatoid ArthritisAches and stiffness mistaken for 'getting older' or over-exertion.
Lupus (SLE)Extreme fatigue, skin rashes (especially on the face), and joint pain. Often dismissed as stress or a virus.
Multiple Sclerosis (MS)Numbness or tingling ('pins and needles'), fatigue, vision problems. Can be intermittent and easily ignored initially.
Crohn's & ColitisAbdominal pain, diarrhoea, and weight loss. Frequently confused with Irritable Bowel Syndrome (IBS).
Psoriasis / Psoriatic ArthritisSkin plaques and stiff, painful joints. The joint pain can appear years after the skin condition.
Hashimoto's ThyroiditisProfound fatigue, weight gain, depression, and sensitivity to cold. Often attributed to lifestyle or mental health issues.

The journey for many starts with a visit to their GP, who is often faced with a constellation of vague symptoms: debilitating fatigue, brain fog, low-grade fever, and widespread pain. Without clear indicators, the path forward can be slow, involving a frustrating cycle of 'wait and see'.

The Human Cost of a Delayed Diagnosis

The numbers only tell part of the story. Behind every statistic is a person whose life has been put on hold.

  • Chronic Pain and Fatigue: This isn't just feeling tired; it's a bone-deep exhaustion that sleep doesn't fix. It's persistent pain that makes simple tasks like opening a jar or climbing stairs a monumental effort.
  • Irreversible Damage: For conditions like rheumatoid arthritis, delays in treatment can lead to permanent joint damage and disability. In lupus or vasculitis, organs like the kidneys, heart, and lungs can be silently and irreversibly harmed.
  • Mental and Emotional Toll: Living with uncertainty is a huge psychological burden. Anxiety about symptoms, depression from chronic pain, and the frustration of not being believed can be as debilitating as the physical illness itself. Social lives shrink, careers stall, and relationships are strained.
  • The Financial Burden: The £4.5 million+ lifetime figure represents a total impact. It includes direct NHS costs, but more significantly, it accounts for lost income from being unable to work, the cost of private therapies, home modifications, and the intangible cost of a diminished quality of life over decades.

Real-Life Example: Consider 'Mark', a 42-year-old graphic designer. He began experiencing severe joint pain and fatigue. His GP suspected a virus. Months turned into two years of worsening symptoms, mounting anxiety, and sick days. He was losing clients and his income plummeted. Finally, after a long NHS wait, a rheumatologist diagnosed him with Psoriatic Arthritis. While the diagnosis brought relief, the delay meant significant, irreversible erosion had already occurred in the joints of his hands, impacting his ability to work with a mouse and stylus.

The NHS vs. Private Medical Insurance: Two Paths to a Diagnosis

The National Health Service is a national treasure, providing incredible care to millions. However, when faced with non-urgent, complex diagnostic challenges, the system is under immense pressure.

The Typical NHS Pathway:

  1. GP Appointment: You present your symptoms to your GP.
  2. Initial Tests: Basic blood tests are run. If they are inconclusive, you may be told to monitor your symptoms.
  3. Specialist Referral: If symptoms persist, your GP makes a referral to a specialist (e.g., a rheumatologist or gastroenterologist).
  4. The Wait: According to 2025 NHS England data, waiting lists for specialist consultations can be many months long, sometimes exceeding a year in certain trusts.
  5. Specialist Appointment & Further Tests: The specialist may then order more advanced diagnostics, such as an MRI or CT scan, which can involve another waiting period.
  6. Diagnosis: A diagnosis is finally reached, potentially years after symptoms first appeared.

A Critical Distinction: Acute vs. Chronic Conditions

It is vital to understand a core principle of private medical insurance in the UK. Standard policies are designed to cover acute conditions – illnesses that are curable and arise after you take out the policy. They do not cover pre-existing conditions or chronic conditions (long-term illnesses that require ongoing management but cannot be cured, like diabetes or rheumatoid arthritis).

So, how does PMI help with autoimmune diseases, which are chronic?

The power of PMI lies in the diagnostic phase. Your new, unexplained symptoms (joint pain, fatigue, etc.) represent an acute medical situation that needs investigating. PMI gives you the tools to find out what is wrong, quickly. Once a chronic condition is diagnosed, its day-to-day management typically reverts to the NHS. However, that initial, rapid diagnosis is the game-changer that prevents long-term damage and sets you on the best possible treatment path from day one.

NHS vs. PMI: A Head-to-Head Comparison for Diagnosis

FeatureNHS PathwayPrivate Medical Insurance (PMI) Pathway
GP AccessCan be difficult to get a timely appointment.Many PMI policies include a Digital GP service for 24/7 access.
Specialist ReferralReferral is made, but the wait begins.Your GP provides an open referral letter.
Seeing a SpecialistWait of many months is common.Appointment with a leading consultant often within days or weeks.
Choice of SpecialistLittle to no choice of who you see or where.You can choose from a nationwide network of top specialists and hospitals.
Diagnostic TestsFurther waiting lists for MRIs, CT scans, etc.Scans and advanced tests are authorised and scheduled quickly, often within a week.
Time to DiagnosisCan take 1-3+ years for some conditions.Can be achieved in a matter of weeks.

Your PMI Pathway to Answers and Action

Navigating the private route is refreshingly straightforward.

  1. Symptoms Arise: You develop new, persistent, and worrying symptoms.
  2. GP Referral: You visit your NHS GP or a private Digital GP and explain your situation. They agree that a specialist opinion is needed and provide you with an open referral letter.
  3. Contact Your Insurer: You call your PMI provider and explain the situation. They will verify your cover and provide a list of recognised specialists.
  4. Book Your Consultation: You book an appointment with your chosen consultant at a time and place that suits you.
  5. Swift Diagnostics: The consultant recommends specific tests—perhaps an MRI to check for joint inflammation or an endoscopy to investigate digestive issues. These are authorised by your insurer and booked at a private hospital or diagnostic centre, often within days.
  6. Diagnosis and Treatment Plan: With the results in hand, your specialist provides a clear diagnosis and recommends an initial treatment plan to get the condition under control.

This speed is not a luxury; it is a clinical necessity. Early, aggressive treatment of inflammatory autoimmune conditions is proven to lead to better long-term outcomes, including a higher chance of remission and less disability.

Building Your "LCIIP" Shield: Protecting Your Vitality and Future

The title of this article mentions "LCIIP Shielding Your Foundational Vitality & Future Resilience". LCIIP is not a standard insurance product, but a concept: a Lifestyle & Chronic Illness Integration Plan. It represents the powerful shield you build around your health by using PMI to get ahead of a diagnosis.

This shield is composed of several layers:

  • The Diagnostic Shield: By getting a fast, accurate diagnosis, you prevent the disease from causing unchecked damage. This is the first and most critical layer of protection.
  • The Treatment Shield: Your initial treatment plan, formulated by a top specialist, gives you the best possible start. Some policies may even cover access to new biologic drugs that aren't yet widely available on the NHS.
  • The Wellness Shield: Many modern PMI policies include benefits that support your overall health, which is crucial when managing a long-term condition. These can include:
    • Mental Health Support: Access to counselling or therapy to help you cope with the psychological impact of a chronic diagnosis.
    • Physiotherapy: Essential for maintaining mobility and strength with conditions like arthritis or MS.
    • Nutritional Advice: Guidance from a dietician on an anti-inflammatory diet.
    • Digital Health Tools: Resources like Digital GPs and symptom checkers.

At WeCovr, we enhance this shield. All our life and health insurance clients receive complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. This tool can be invaluable for managing your diet, a cornerstone of autoimmune wellness.

Finding the Best Private Health Cover for Your Needs

Choosing the right policy can feel daunting, but an expert broker can make it simple. At WeCovr, we compare policies from all the leading UK providers to find the perfect fit for your needs and budget, at no extra cost to you.

Key things to consider:

  • Underwriting Type:
    • Moratorium: Simpler to set up. The policy automatically excludes any condition you've had symptoms of or treatment for in the last 5 years. However, if you remain symptom-free for 2 continuous years after your policy starts, that condition may become eligible for cover.
    • Full Medical Underwriting (FMU): You declare your full medical history upfront. The insurer will state precisely what is and isn't covered from day one, offering greater certainty.
  • Outpatient Cover: This is crucial for diagnostics. Ensure your policy has a generous outpatient limit to cover specialist consultations and scans.
  • Hospital List: Check which hospitals are covered. A national list gives you the most choice.
  • Excess: This is the amount you pay towards a claim. A higher excess will lower your monthly premium.

WeCovr's expert advisors can walk you through these options, ensuring you get transparent, effective cover. Our clients consistently give us high satisfaction ratings because we prioritise clarity and personalised service. Furthermore, clients who purchase PMI or life insurance through us can often access valuable discounts on other types of cover, like home or travel insurance.

Proactive Wellness: Small Steps for a Healthier Future

While PMI is a powerful tool, you can also take proactive steps to support your health, whether you're seeking a diagnosis or managing a known condition.

  • Anti-Inflammatory Diet: Focus on whole foods: fruits, vegetables, oily fish (like salmon and mackerel), nuts, seeds, and healthy oils like olive oil. Limit processed foods, sugar, and refined carbohydrates.
  • Gentle Movement: Regular, gentle exercise like walking, swimming, or yoga can reduce stiffness, improve mood, and boost energy. Listen to your body and don't push through pain.
  • Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. Create a restful routine, avoid screens before bed, and ensure your bedroom is dark, quiet, and cool.
  • Manage Stress: Chronic stress can trigger autoimmune flare-ups. Practice mindfulness, meditation, or deep breathing exercises. Spending time in nature has also been shown to lower stress levels.

These lifestyle habits form a key part of your LCIIP shield, working alongside medical care to protect your foundational vitality.

Will private medical insurance cover my autoimmune condition if I already have symptoms?

Generally, no. Standard UK private medical insurance does not cover pre-existing conditions, which includes any symptoms you have before your policy starts. PMI is designed to investigate and treat acute conditions that arise after your cover begins. If those investigations lead to the diagnosis of a chronic autoimmune disease, PMI's role is primarily to get you that diagnosis rapidly. The ongoing management of the now-diagnosed chronic condition would then typically be handled by the NHS.

What is the difference between an 'acute' and 'chronic' condition for insurers?

An 'acute' condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery, such as a joint sprain or a chest infection. Private medical insurance is designed to cover these. A 'chronic' condition is a disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, has no known cure, is likely to recur, or requires ongoing management. Autoimmune diseases like Rheumatoid Arthritis and Lupus are considered chronic.

How quickly can I see a specialist with private health cover?

The speed is a key benefit of private health cover. Once you have an open referral from a GP, you can often book an appointment with a leading private specialist within a matter of days or weeks, compared to the many months, or even over a year, you might wait on the NHS. This swift access is critical for getting a fast diagnosis and starting treatment early.

Does PMI cover the cost of long-term medication for an autoimmune disease?

Typically, private medical insurance does not cover the cost of medications for managing a long-term, chronic condition. Prescriptions and ongoing medication are usually managed through your NHS GP. However, some comprehensive PMI policies may cover the initial course of specialist drugs immediately following diagnosis or during an acute flare-up, but this varies significantly between policies. It's crucial to check the specific terms of your cover.

Take Control of Your Health Today

Don't let the fear of the unknown dictate your future. The silent autoimmune crisis is real, but you are not powerless. By understanding the landscape and exploring your options, you can take decisive action. A private medical insurance UK policy is one of the most powerful tools you can have in your arsenal, providing a fast-track to the answers you deserve.

Let WeCovr help you build your shield. Our expert, friendly advisors will compare the market for you, explaining your options in plain English and finding a policy that protects your health without breaking the bank.

[Get Your Free, No-Obligation PMI Quote from WeCovr Today and Secure Your Peace of Mind]

Get A Free Quote

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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

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

How It Works

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

Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Learn more

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!

Important Information

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

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

About WeCovr

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

Insurance Products

Resources

Legal

© 2025 WeCovr. Made with in London