WeCovr.

Login

UK Bone Crisis Silent Threat

UK Bone Crisis Silent Threat 2025 | Top Insurance Guides

As an FCA-authorised expert with over 800,000 policies of various kinds arranged for our clients, WeCovr is at the forefront of the UK’s private medical insurance market. This article tackles a growing national health emergency: the silent threat of bone density loss and how private health cover can offer a vital lifeline.

UK 2025 Shock New Data Reveals Over 1 in 3 Britons Aged 50+ Secretly Battle Early Bone Density Loss, Fueling a Staggering £3.5 Million+ Lifetime Burden of Debilitating Fractures, Loss of Independence & Eroding Quality of Life – Your PMI Pathway to Advanced Bone Health Diagnostics, Proactive Intervention & LCIIP Shielding Your Future Mobility & Longevity

A silent health crisis is creeping across the United Kingdom. It doesn't cause a fever or a cough, but it's responsible for a fracture every single minute. New projections for 2025 reveal a startling reality: more than one in three adults over 50 are living with osteopenia, the early stage of bone density loss, often completely unaware. This hidden epidemic is the precursor to osteoporosis, a condition that makes bones as fragile as porcelain.

The consequences are devastating, not just for individuals but for the nation. The Royal Osteoporosis Society estimates that fragility fractures already cost the UK a staggering £4.5 billion annually in direct health and social care costs. For an individual, a hip fracture can mark the end of independence, triggering a cascade of costs for care, home adaptations, and lost income that can easily exceed tens of thousands of pounds over a lifetime, not to mention the intangible cost to one's quality of life.

But there is a proactive path forward. While the NHS provides essential care, private medical insurance (PMI) offers a powerful alternative route for rapid diagnostics, specialist-led intervention, and comprehensive wellness programmes designed to protect your future mobility and shield you from becoming another statistic.

The Silent Epidemic: Understanding Osteopenia and Osteoporosis

Imagine your bones are like the inside of a Crunchie bar – a dense, strong honeycomb structure. As we age, this structure can start to thin out, and the holes can get bigger.

  • Osteopenia: This is the early warning sign. It means your bone density is lower than the ideal for your age, but not yet low enough to be classified as osteoporosis. Think of it as the honeycomb structure starting to become a little less dense. It's not a disease, but a crucial red flag.

  • Osteoporosis: This is the advanced stage. The honeycomb has become sparse and weak, making your bones brittle and highly susceptible to fractures from a minor fall, a bump, or even a strong sneeze.

The most dangerous aspect of these conditions is their silence. Most people have no symptoms. The first sign is often the last one you want: a sudden, painful fracture. The most common sites for these "fragility fractures" are the wrist, hip, and spine.

A Nation's Bones at Breaking Point: The 2025 UK Outlook

The statistics paint a grim picture of the UK's bone health. Based on current trends from the NHS and the Royal Osteoporosis Society, the situation is set to worsen by 2025.

Statistic2025 Projection & DataSource & Implication
UK PrevalenceAn estimated 3.5 million people are living with osteoporosis.Royal Osteoporosis Society (ROS)
Silent SufferersOver 1 in 3 adults aged 50+ show signs of osteopenia.Projections based on NHS data
Annual FracturesOver 500,000 fragility fractures occur each year in the UK.ROS
Hip FracturesApproximately 76,000 hip fractures occur annually, with numbers rising.NHS England
Cost to UK£4.5 billion+ annual cost in healthcare and social care.ROS
Post-Fracture Impact1 in 4 people who fracture their hip die within a year.Public Health England
Loss of Independence50% of people who fracture their hip can no longer live independently.ROS

These aren't just numbers; they represent millions of lives disrupted. They are parents unable to lift their grandchildren, active individuals forced into a sedentary life, and independent spirits suddenly reliant on others for basic daily tasks.

Why is This Happening? Uncovering the Risk Factors

Your risk of developing poor bone health is influenced by a mix of factors, some you can change and some you can't.

Unavoidable Risk Factors:

  • Age: Bone density naturally declines after our mid-30s.
  • Gender: Women are more at risk, especially after menopause when oestrogen levels drop sharply. Oestrogen is crucial for protecting bones.
  • Family History: A parent who fractured their hip increases your own risk.
  • Ethnicity: People of white or Asian descent are at higher risk.
  • Medical Conditions: Certain conditions like rheumatoid arthritis, coeliac disease, hyperthyroidism, or Crohn's disease can affect bone health.
  • Certain Medications: Long-term use of some steroid tablets can weaken bones.

Modifiable Lifestyle Risk Factors:

  • Diet: A lifelong lack of calcium and vitamin D is a major contributor.
  • Lack of Exercise: A sedentary lifestyle means bones don't get the stress they need to stay strong.
  • Low Body Weight: Being underweight (a BMI under 19) is a significant risk factor.
  • Smoking: Smoking is directly toxic to bone-building cells.
  • Excessive Alcohol: Drinking more than 14 units of alcohol per week can interfere with the body's ability to absorb calcium.

Use this simple checklist to get a rough idea of your personal risk profile. If you tick several boxes, it may be time to speak to a doctor about your bone health.

The NHS vs. Private Medical Insurance: Two Pathways to Care

The NHS provides a robust framework for managing osteoporosis, but it is a system under immense pressure. Understanding the differences between the NHS and private pathways is key to making an informed choice about your health.

The NHS Pathway

  1. Initial Concern: You might visit your GP with concerns due to your age, family history, or after a minor fracture.
  2. Risk Assessment: Your GP will likely use a risk assessment tool, such as FRAX or Q-Fracture, which calculates your 10-year probability of a fracture.
  3. Referral for a DEXA Scan: If your risk score is high enough, you will be referred for a DEXA scan. A DEXA (Dual-Energy X-ray Absorptiometry) scan is the gold-standard test for measuring bone mineral density.
  4. The Wait: Herein lies the challenge. Waiting lists for routine DEXA scans can be lengthy, sometimes stretching for many months depending on your location.
  5. Treatment: If diagnosed with osteoporosis, the NHS provides excellent treatment plans, typically involving medication like bisphosphonates and lifestyle advice.

The NHS offers fantastic, life-saving care, but for a silent condition like bone loss, time is of the essence. A long wait for a diagnosis is a long period of unknowingly living with a high risk of a life-altering fracture.

The Private Medical Insurance (PMI) Advantage

A good private medical insurance UK policy opens up a parallel, faster pathway.

  1. Swift Access: With PMI, you can often secure a referral from a private GP and be seen by a specialist, such as a Rheumatologist, in a matter of days or weeks, not months.
  2. Rapid Diagnostics: That specialist can refer you for a DEXA scan immediately. You could have your scan and your results within a week, bypassing the long NHS waiting lists entirely.
  3. Choice and Control: You get to choose your specialist and the hospital where you receive your diagnosis and treatment, giving you unparalleled control over your care.
  4. Comprehensive Therapies: Post-fracture recovery is just as important as prevention. PMI policies often offer generous cover for physiotherapy, hydrotherapy, and occupational therapy to get you back on your feet faster and more effectively.

A Critical Note on PMI Coverage: It is essential to understand that standard UK private medical insurance is designed to cover acute conditions – illnesses or injuries that are new, unexpected, and curable. Osteoporosis is considered a chronic condition (long-term and requiring ongoing management).

  • If you get a new diagnosis after your policy starts: Your PMI will typically cover the acute phase – the initial specialist consultations, diagnostic tests (like the DEXA scan), and the formulation of your initial treatment plan.
  • Ongoing Management: Once your condition is diagnosed and stabilised, it will be classified as chronic. The routine, long-term management (e.g., repeat prescriptions, regular check-up scans) will then usually revert to the NHS.
  • Pre-existing Conditions: If you have already been diagnosed with osteopenia or osteoporosis before taking out a policy, it will be considered a pre-existing condition and will not be covered.

Your PMI Toolkit: The Tools to Fight Back

Think of a comprehensive PMI policy as your personal toolkit for proactive bone health.

ToolDescriptionThe PMI Benefit
Specialist ConsultationsAccess to leading Rheumatologists and Endocrinologists who specialise in metabolic bone diseases.See the right expert quickly to get an accurate diagnosis and cutting-edge advice.
Advanced DiagnosticsGold-standard DEXA scans to precisely measure your bone density at the hip and spine.Get a definitive answer on your bone health in days, not months.
Physiotherapy & RehabOne-to-one sessions with a physiotherapist to build strength, improve balance, and recover from injury.Generous session limits mean you get the full course of therapy needed for a strong recovery.
Wellness ProgrammesMany top-tier policies include benefits like discounted gym memberships, nutrition advice, and mental health support.Encourages the very lifestyle changes (exercise, good diet) that build and protect bones.
Digital Health ToolsAccess to apps and online resources to manage your health.For example, WeCovr provides complimentary access to its AI-powered CalorieHero app, helping you track your calcium and Vitamin D intake effortlessly.

Introducing LCIIP: Shielding Your Future Independence

A key innovation in the best PMI provider plans is the focus on what we call LCIIP: Lifestyle Change & Independent Intervention Programmes. This goes beyond simply reacting to illness; it's about proactively equipping you to stay healthy and independent for longer.

An LCIIP integrated into your private health cover might include:

  • Personalised Exercise Prescriptions: A physiotherapist designs a safe, effective weight-bearing and muscle-strengthening exercise programme tailored to your specific needs and fitness level.
  • Falls Prevention Coaching: Specialist sessions to improve your balance, identify hazards in your home, and build your confidence to move freely without fear.
  • Nutritional Guidance: Consultations with a registered dietitian or nutritionist to create a bone-friendly eating plan that you can stick to.
  • Mental Resilience Support: Access to therapy or counselling to cope with the anxiety that can follow a fracture or a worrying diagnosis.

This holistic approach is the ultimate shield, empowering you with the knowledge and support to actively reduce your fracture risk and protect your quality of life.

Choosing the Right Private Health Cover: A WeCovr Guide

Navigating the world of private medical insurance can be complex. Policies vary hugely in their levels of cover, especially for diagnostics and therapies. That's where an independent PMI broker becomes your most valuable ally.

At WeCovr, we are experts in the UK market. We are not tied to any single insurer. Our job is to listen to your needs, understand your concerns about your future health, and compare policies from a wide range of leading insurers to find the perfect fit for you. We handle the jargon and the paperwork, all at no cost to you. And because we arrange many types of cover, clients who purchase PMI or life insurance through us can often access discounts on other insurance products. Our high customer satisfaction ratings are a testament to our commitment to finding the right solution for every client.

Here is a simplified comparison to illustrate how policies can differ:

FeatureBasic PMI PolicyComprehensive PMI Policy
Outpatient Cover LimitOften capped (e.g., £500-£1,000)Full cover is common
DEXA Scan AccessCovered, but may be subject to the outpatient cap.Fully covered on specialist referral.
PhysiotherapyLimited sessions (e.g., 4-6 per condition)More extensive cover, sometimes unlimited.
LCIIP / WellnessBasic or non-existent.Comprehensive programmes included.
Choice of HospitalsA limited network of hospitals.Extensive nationwide hospital network.

Beyond Insurance: Build Stronger Bones Today

Whether you have insurance or not, there are powerful, evidence-based steps you can take right now to improve your bone health.

  1. Fuel Your Bones with the Right Diet
    • Calcium: Aim for 700mg-1200mg per day. It's the primary building block of bone.
    • Vitamin D: Aim for 10 micrograms (mcg) per day. It's the key that unlocks the door, allowing your body to absorb calcium. In the UK, it's recommended everyone considers a supplement in autumn and winter.
Top Bone-Boosting Foods
Calcium-Rich: Milk, cheese, yoghurt, tofu, sardines (with bones), fortified plant milks, leafy greens like kale.
Vitamin D-Rich: Oily fish (salmon, mackerel), egg yolks, red meat, fortified breakfast cereals, sensible sun exposure.

  1. Get Moving with Purposeful Exercise Your bones are living tissue; they get stronger when you use them.

    • Weight-Bearing Exercise (with impact): Brisk walking, jogging, dancing, tennis, stair climbing. These activities send a signal to your bones to stay dense and strong.
    • Resistance Exercise: Lifting weights, using resistance bands, or bodyweight exercises like push-ups and squats. These build muscle, which supports and protects your skeleton.
    • Balance & Flexibility: Yoga, Pilates, and Tai Chi are excellent for improving balance and coordination, which is your best defence against falls.

  2. Overhaul Your Lifestyle

    • Quit Smoking: This is one of the single best things you can do for your bones (and overall health).
    • Moderate Alcohol: Stick to the NHS guideline of no more than 14 units per week, with several drink-free days.
    • Maintain a Healthy Weight: Avoid being underweight, as this is a major risk factor for low bone density and fractures.

The silent threat of bone loss is real, but it doesn't have to define your future. By understanding your risks, taking proactive lifestyle steps, and exploring the powerful advantages of private medical insurance, you can take control of your bone health, shield your independence, and build a foundation for a long, active, and mobile life.


Does private medical insurance cover osteoporosis?

Generally, private medical insurance (PMI) is for new, acute conditions that arise after you take out your policy. If you were diagnosed with osteoporosis for the first time while insured, your policy would likely cover the initial diagnostic phase (specialist visits, DEXA scans) and the initial treatment plan. However, because osteoporosis is a chronic (long-term) condition, the ongoing management, such as routine medication and follow-up scans, would typically revert to the NHS. Osteoporosis diagnosed before you get a policy would be excluded as a pre-existing condition.

Can I get a DEXA scan on private health insurance just for a check-up?

Private medical insurance does not typically cover purely preventative screening without medical cause. To access a DEXA scan through your PMI, you would usually need a referral from a GP or a specialist. This referral would be based on your having specific symptoms, risk factors (like a strong family history or post-menopause), or a previous low-impact fracture that requires investigation. The key benefit is that once you have that referral, PMI allows you to bypass long waiting lists and get the scan done very quickly.

What is the main advantage of using PMI for bone health over the NHS?

The primary advantage is speed and choice. While the NHS provides excellent care, you can face significant waiting times for specialist appointments and diagnostic scans like a DEXA. With private health cover, you can see a top specialist and get diagnosed within days or weeks. This speed is crucial for a 'silent' condition like bone loss, as it allows for earlier intervention to prevent a debilitating fracture. You also get a wider choice of specialists and hospitals, and often more generous cover for rehabilitation like physiotherapy.

How can an expert broker like WeCovr help me find the right policy?

An expert, FCA-authorised broker like WeCovr acts as your independent guide. We're not tied to any one insurer. Our role is to understand your specific health concerns and budget, then search the market to find policies that offer the best cover for your needs – for instance, strong outpatient limits for diagnostics and good therapy cover. We explain the complex terms in plain English and handle the application process for you, saving you time and stress, all at no cost to you.

Don't wait for a fracture to reveal the silent threat to your bones. Take control of your health today. Contact WeCovr for a free, no-obligation quote and discover how a private medical insurance plan can be your pathway to proactive diagnosis, rapid treatment, and a future of protected mobility.

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