WeCovr.

Login

UK Burnout Crisis £4.1M Health Cost

UK Burnout Crisis £4.1M Health Cost 2025

As an FCA-authorised expert broker that has helped arrange over 800,000 policies, WeCovr is at the forefront of the conversation around private medical insurance in the UK. We see firsthand how proactive health management is no longer a luxury, but a necessity for financial and professional survival in today's high-pressure world. This article explores the staggering cost of the UK's burnout crisis and how the right private health cover can be your most valuable career asset.

UK 2025 Shock New Data Reveals Over 1 in 3 Working Britons Secretly Battle Chronic Burnout, Fueling a Staggering £4.1 Million+ Lifetime Burden of Mental Health Crises, Lost Income, Business Collapse & Eroding Financial Security – Your PMI Pathway to Proactive Mental Health Support, Resilience Programs & LCIIP Shielding Your Professional Longevity & Future Prosperity

The figures are stark and paint a worrying picture of the modern British workplace. A silent crisis is unfolding behind boardroom doors, in home offices, and on factory floors. New data projections for 2025 suggest that more than one in every three UK professionals is grappling with chronic burnout, a state of profound physical, mental, and emotional exhaustion.

This isn't just about feeling tired or stressed. This is a debilitating condition with a catastrophic long-term price tag. The projected £4.1 million+ lifetime burden is a calculated accumulation of devastating personal and professional losses. It represents a potential future of:

  • Crippling Mental Health Crises: Leading to severe anxiety and depression that require extensive, costly treatment.
  • Vast Lost Income: Due to extended sick leave, reduced working hours, or being forced to abandon a promising career entirely.
  • Devastating Business Collapse: For entrepreneurs and the self-employed, burnout is a direct threat to their livelihood and the viability of their business.
  • Eroded Financial Security: Draining savings to pay for private therapy, losing pension contributions, and jeopardising long-term financial goals like home ownership and retirement.

For many high-flying professionals—from surgeons and pilots to barristers and architects—burnout can trigger a Loss of Licence or Certificate of Incapacity to Practice (LCIIP), ending a career in an instant. The good news is that you are not powerless. A strategic approach to your health, underpinned by robust Private Medical Insurance (PMI), can create a powerful shield, offering a pathway to proactive mental health support and resilience programmes that protect your career, your income, and your future.

What Exactly is Burnout? Unpacking a Modern Epidemic

To effectively combat burnout, we first need to understand what it is. The World Health Organisation (WHO) officially recognised burnout in its International Classification of Diseases (ICD-11) as an "occupational phenomenon." It is crucial to note that it's not classified as a medical condition itself, but rather a state of exhaustion directly linked to chronic workplace stress that has not been successfully managed.

Burnout is defined by three core dimensions:

  1. Feelings of energy depletion or exhaustion: A profound sense of being physically and emotionally drained, where even a good night's sleep doesn't feel restorative.
  2. Increased mental distance from one’s job, or feelings of negativism or cynicism related to one's job: Feeling detached, irritable, and cynical about your work, colleagues, and the organisation itself.
  3. A sense of ineffectiveness and lack of accomplishment: The belief that you are no longer competent or effective in your role, leading to a crisis of professional confidence.

The Tell-Tale Signs of Burnout

Burnout doesn't happen overnight. It's a gradual process, and recognising the early warning signs is the first step toward recovery.

CategoryCommon Signs and Symptoms
Physical SymptomsChronic fatigue, frequent headaches, muscle pain, changes in appetite or sleep habits, lowered immunity (getting ill more often).
Emotional SymptomsA sense of dread about work, feeling cynical or critical, irritability, feeling helpless or trapped, emotional numbness, loss of motivation.
Behavioural SymptomsWithdrawing from responsibilities, isolating yourself from others, procrastinating, using food, drugs, or alcohol to cope, taking out frustrations on others.

A Real-Life Example:

Consider "Alex," a 35-year-old senior project manager in a competitive tech firm. Initially passionate, Alex begins working longer hours to meet relentless deadlines. Sleep becomes a luxury. The passion fades into pressure. Alex starts feeling constantly tired, snapping at family members, and dreading Monday mornings. Projects that once brought satisfaction now feel like immense burdens. This is the classic, creeping progression of burnout.

The UK's Burnout Statistics: A Nation Under Pressure

The anecdotal evidence is overwhelming, but the national statistics confirm the scale of the problem. Data from the UK's Health and Safety Executive (HSE) provides a sobering look at the state of the nation's mental wellbeing at work.

  • In 2022/23, an estimated 875,000 workers in Great Britain were suffering from work-related stress, depression, or anxiety.
  • This resulted in 17.1 million working days lost, highlighting the immense impact on productivity.
  • Professions like healthcare, education, and public administration consistently report the highest rates of work-related stress.

Projecting these trends forward to 2025, it's clear the issue is worsening. The "always-on" culture, economic uncertainty, and the blurring of lines between work and home have created a perfect storm for a national burnout crisis.

The £4.1 Million+ Lifetime Cost: Your Personal Financial Black Hole

The headline figure of a £4.1 million+ lifetime burden can seem abstract, but when broken down, its real-world impact becomes terrifyingly clear. This isn't a national economic figure; it's a projection of the potential cumulative financial devastation one individual can face over their working life if chronic burnout takes hold.

How does this cost accumulate?

Cost ComponentDescription & Potential Financial Impact
Direct Healthcare CostsWith NHS mental health waiting lists stretching for months, many are forced to go private. A course of private therapy can cost £2,000-£5,000. A private psychiatric assessment and follow-ups can add thousands more. Over a lifetime, these costs can easily reach £50,000 - £150,000+.
Immediate Lost IncomeA severe burnout episode can lead to 6-12 months off work. For someone earning £70,000, this could mean over £35,000 in lost gross income in a single year, even with some statutory sick pay.
Long-Term Career Damage & Lost EarningsThis is the largest component. Burnout can force you to leave a high-paying career for a less stressful, lower-paid role. The difference in earnings and pension contributions over 20-30 years can easily exceed £1.5 - £3.5 million.
Loss of Business (For the Self-Employed)For a consultant or small business owner, burnout can lead to the complete collapse of their enterprise, wiping out years of hard work and future income potential, a loss that can run into the millions.
Eroded Savings & InvestmentsDraining your life savings to cover living costs and private healthcare during a period of no income. This halts the power of compound interest, costing you hundreds of thousands in future wealth.
Total Lifetime Burden£4.1 Million+ (A conservative projection for a high-earning professional)

This calculation reveals that burnout is not just a health issue; it's one of the single greatest threats to your long-term financial security.

Your Shield: How Private Medical Insurance (PMI) Defends Your Health & Wealth

This is where proactive planning becomes essential. Private medical insurance in the UK is a powerful tool designed to help you bypass the long waits and resource limitations of the public health system, giving you swift access to the care you need, when you need it most.

It acts as your shield in several critical ways:

  1. Rapid Access to Mental Health Specialists: This is the cornerstone of PMI's value in the fight against burnout. Instead of waiting months for an NHS appointment, you can typically see a private psychiatrist, psychologist, or therapist within days or weeks. Early diagnosis and treatment are vital to prevent acute stress from spiralling into a chronic condition.
  2. Digital GP Services: Most modern PMI policies include 24/7 access to a virtual GP. Being able to speak to a doctor from your home at a time that suits you removes a significant barrier to seeking initial help.
  3. Choice and Control: PMI gives you more control over your treatment. You can often choose the specialist you see and the hospital you are treated at, ensuring you receive care from experts in a comfortable and convenient environment.
  4. Access to Advanced Therapies: The private sector often provides access to a wider range of therapeutic approaches, such as Cognitive Behavioural Therapy (CBT), Eye Movement Desensitization and Reprocessing (EMDR), and other talking therapies that are highly effective for anxiety and depression.

A Critical Note on PMI Coverage

It is vital to understand what private medical insurance does and does not cover.

  • PMI is for Acute Conditions: It is designed to treat conditions that are new, unexpected, and likely to respond quickly to treatment. This includes acute episodes of anxiety or depression that may be triggered by burnout.
  • PMI Does Not Cover Chronic or Pre-existing Conditions: Standard UK PMI policies exclude chronic conditions (illnesses that require long-term management rather than a cure) and pre-existing conditions (any ailment you had symptoms of, or received advice or treatment for, before your policy began).

Therefore, PMI is not a policy to "cure" burnout itself, but a critical tool to swiftly treat the acute mental and physical health conditions that arise from it, preventing them from becoming chronic and derailing your life. An expert PMI broker like WeCovr can help you navigate these definitions and find a policy with the most appropriate level of mental health cover for your needs.

Building Resilience: Proactive Wellness Beyond Insurance

The best PMI providers understand that prevention is better than cure. Many now include extensive wellness programmes and resources designed to help you build mental and physical resilience before you reach a crisis point.

Your Personal Resilience Toolkit

  • Nutrition for the Mind: Your brain's health is intrinsically linked to your diet. Focus on a diet rich in omega-3 fatty acids (found in oily fish), leafy greens, nuts, and seeds. Reducing processed foods, sugar, and caffeine can have a dramatic effect on mood and energy levels. As a WeCovr client, you get complimentary access to our CalorieHero AI app, a fantastic tool to help you track your nutrition and make healthier choices effortlessly.
  • The Power of Sleep: Aim for 7-9 hours of quality sleep per night. Establish a routine: go to bed and wake up at the same time, create a dark, cool, and quiet environment, and avoid screens for at least an hour before bed. Sleep is when your brain repairs itself and consolidates memories.
  • Movement as Medicine: Regular physical activity is a potent anti-anxiety and antidepressant. Even a brisk 30-minute walk each day can boost endorphins, improve mood, and reduce the physical symptoms of stress.
  • Mindfulness and Disconnection: In an "always-on" world, you must schedule time to be "off." Practices like meditation, deep-breathing exercises, or simply spending time in nature can help calm the nervous system and provide perspective.

How to Choose the Right Private Health Cover: A WeCovr Guide

Navigating the market for the best PMI provider can be complex, especially when focusing on mental health benefits. Not all policies are created equal.

Here’s what to look for:

FeatureWhat to Consider
Mental Health PathwayHow does the insurer handle mental health claims? Is there a dedicated support line? Is the process simple and confidential?
Cover LimitsCheck the financial limits for mental health treatment. Some basic policies may offer a few hundred pounds, while comprehensive plans can offer full cover for outpatient and inpatient care. Look for session limits on therapy too.
Outpatient CoverThis is crucial for mental health. It covers consultations and therapy sessions that don't require an overnight hospital stay. Ensure your policy has a robust outpatient allowance.
Wellness ProgrammesLook for insurers like Vitality or Bupa who offer rewards for healthy living, gym discounts, and access to wellbeing apps. These features actively encourage the resilience-building habits mentioned above.
Underwriting TypeYou'll choose between Moratorium (which automatically excludes conditions from the last 5 years for a set period) and Full Medical Underwriting (where you declare your full history). An expert broker can advise which is best for you.

The Value of an Expert Broker

Trying to compare dozens of policies and their intricate terms and conditions is a recipe for confusion. This is why using an independent, FCA-authorised broker like WeCovr is so valuable.

  • We save you time and money: We compare the market for you, presenting you with the best options from leading UK insurers like AXA Health, Aviva, Bupa, and Vitality.
  • Our service is at no cost to you: We are paid by the insurer, so you get expert, unbiased advice for free.
  • We are experts in the details: We understand the nuances of mental health cover and can help you find a policy that genuinely meets your needs.
  • High Customer Satisfaction: Our focus on clear, honest advice has earned us consistently high ratings from our clients.
  • Exclusive Benefits: When you arrange your PMI or Life Insurance through WeCovr, you may also receive discounts on other types of cover, adding even more value.

Does private medical insurance cover therapy for burnout?

This is a nuanced but important point. Private Medical Insurance (PMI) does not cover "burnout" itself, as it's defined as an occupational phenomenon, not a medical condition. However, PMI is designed to cover the diagnosis and treatment of acute medical conditions that often result from severe burnout, such as acute anxiety, stress-related disorders, or depression. Therefore, if a GP or consultant diagnoses you with an eligible acute condition, your policy would typically cover the resulting therapy or treatment, subject to your policy's limits.

Is mental health support a standard feature of UK PMI?

Most modern private medical insurance policies in the UK now include some level of mental health support as standard, but the extent of this cover varies significantly. Basic policies might only offer access to a 24/7 helpline or a limited number of therapy sessions. More comprehensive plans provide extensive cover for outpatient therapies and consultations, as well as inpatient treatment if required. It's crucial to check the specific mental health limits of any policy before you buy.

Do I need to declare past mental health issues when applying for PMI?

Yes, you must be honest and thorough when applying for private health cover. If you choose 'Full Medical Underwriting', you will be asked to disclose your entire medical history, including any past mental health conditions. If you opt for 'Moratorium' underwriting, you won't need to declare them upfront, but any condition for which you have had symptoms, medication, or advice in the 5 years prior to the policy start date will be automatically excluded for the first 2 years of the policy. Non-disclosure can invalidate your insurance.

How much does private health cover with good mental health support cost?

The cost of private medical insurance UK varies based on your age, location, lifestyle (e.g., whether you smoke), and the level of cover you choose. A policy with comprehensive mental health benefits will naturally cost more than a basic plan. For a healthy non-smoker in their late 30s, a mid-range policy could cost between £60-£100 per month, while a fully comprehensive plan could be higher. The best way to get an accurate figure is to get a personalised quote.

Your Next Step: Secure Your Future

The UK's burnout crisis is real, and its potential to destroy your health, career, and financial security is undeniable. But you can take control. By investing in the right private medical insurance, you are not just buying a health policy; you are investing in a resilience strategy. You are building a shield that ensures fast access to care, protects your income-earning ability, and secures your long-term prosperity.

Don't wait for burnout to become a crisis. Protect your most valuable asset—you.

Get a free, no-obligation quote from WeCovr today. Our expert advisors will compare the UK's leading insurers to find the perfect private health cover to safeguard your professional longevity and financial future.

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