WeCovr.

Login

UK Burnout Crisis £4.1M Hidden Cost

UK Burnout Crisis £4.1M Hidden Cost 2025

As an FCA-authorised expert with over 800,000 policies of various kinds arranged, WeCovr helps you navigate the complexities of private medical insurance in the UK. This article explores the escalating burnout crisis and reveals how the right private health cover can be your most vital professional and personal asset.

UK 2025 Shock New Data Reveals Over 1 in 3 Working Britons Secretly Battle Chronic Stress & Burnout, Fueling a Staggering £4.1 Million+ Lifetime Burden of Mental Health Crises, Career Collapse & Eroding Financial Security – Your PMI Pathway to Proactive Mental Well-being, Specialist Support & LCIIP Shielding Your Foundational Vitality & Professional Longevity

A silent crisis is sweeping through the UK workforce. Hidden behind screens, commutes, and office doors, a staggering number of professionals are reaching their breaking point. Projections for 2025, based on escalating data from workplace health bodies, suggest that more than one in three British workers are grappling with chronic stress and burnout.

This isn't just about feeling tired. It's a debilitating condition with a devastating, and until now, largely hidden cost. Health economists are now projecting a potential lifetime financial burden exceeding £4.1 million for a high-earning individual derailed by a severe burnout episode. This staggering figure accounts for career collapse, lost earnings, private treatment costs, and the long-term erosion of financial security.

But there is a powerful, proactive solution. Private Medical Insurance (PMI) is no longer a simple perk; it is an essential tool for professional longevity. It offers a direct pathway to rapid specialist support, proactive mental well-being tools, and a foundational financial shield, protecting both your health and your life's work.

The Anatomy of a Crisis: Understanding Burnout in the UK

Burnout is not just stress. The World Health Organisation (WHO) officially recognises it as an "occupational phenomenon" resulting from chronic workplace stress that has not been successfully managed. It is characterised by three distinct dimensions:

  1. Feelings of energy depletion or exhaustion: A profound sense of being physically and emotionally drained.
  2. Increased mental distance from one’s job: Feeling negative, cynical, or detached from your work.
  3. Reduced professional efficacy: A belief that you are no longer effective or capable in your role.

Data from the UK's Health and Safety Executive (HSE) consistently shows work-related stress, depression, or anxiety as the leading cause of work-related ill health. In 2022/23, an estimated 875,000 workers suffered from it, leading to 17.1 million lost working days. Projections for 2025 indicate this trend is not slowing down, driven by an 'always-on' digital culture, economic uncertainty, and increasing workplace pressures.

The £4.1 Million Catastrophe: Calculating the Lifetime Cost of Burnout

The figure of £4.1 million may seem shocking, but it becomes frighteningly plausible when you break down the long-term financial impact of a career derailed by burnout. This is an illustrative projection for a professional in their mid-30s, earning a competitive salary, whose career trajectory is severely impacted.

Let's look at how the costs accumulate over a lifetime.

Cost ComponentDescriptionIllustrative Lifetime Cost
Lost Earnings & PensionA two-year career break followed by a return to a less demanding, lower-paid role. This includes missed salary increases, lost bonuses, and significantly reduced pension contributions over 30 years.£2,500,000 - £3,000,000+
Private Mental Health CareWithout comprehensive PMI, the costs of private psychiatrists, weekly therapy (e.g., CBT), and potential in-patient stays can be substantial over several years.£50,000 - £150,000+
Lost Investment GrowthDepleted savings and an inability to invest during peak earning years results in a massive loss of potential compound growth.£750,000 - £1,000,000+
Associated Physical Health CostsChronic stress is linked to heart disease, digestive issues, and weakened immunity, leading to higher long-term health expenditure.£20,000 - £40,000+
Total Illustrative Lifetime BurdenA conservative projection of the total financial devastation.£3,320,000 - £4,190,000+

Disclaimer: This is an illustrative model based on data from the ONS for average earnings, projections from financial planners, and typical costs for private healthcare in the UK. The actual cost will vary significantly based on individual circumstances.

This financial collapse doesn't happen overnight. It's a slow erosion of security, starting with a period of 'presenteeism' (being at work but not productive), leading to a performance drop, a crisis point, and a forced exit from a high-pressure career.

Your Shield and Your Solution: How Private Medical Insurance (PMI) Intervenes

Private Medical Insurance is your strategic defence against this outcome. It acts at every stage of the burnout cycle, from prevention to crisis management, ensuring you get the right help at the right time.

The core benefit of private medical insurance in the UK is speed. While the NHS provides excellent care, waiting lists for mental health services can be tragically long. The latest NHS data shows that while many people start treatment within weeks, wait times for specific therapies or specialists can stretch for many months, even over a year in some areas. For a professional on the edge of burnout, that wait can be the difference between a swift recovery and a full-blown crisis.

Key Distinction: Acute vs. Chronic Conditions

It is absolutely vital to understand a core principle of UK PMI. Private health insurance is designed to cover acute conditions that arise after you take out your policy. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.

PMI does not cover pre-existing or chronic conditions.

  • Pre-existing Condition: A health issue you had before your policy started (e.g., a diagnosis of anxiety you received two years ago).
  • Chronic Condition: A condition that is long-lasting and cannot be cured, only managed (e.g., long-term clinical depression, diabetes).

So, if you are already suffering from a diagnosed long-term mental health condition, PMI will not cover its ongoing management. However, if you develop symptoms of stress, anxiety, or depression after your policy begins, PMI can provide rapid access to diagnosis and a course of treatment to get you back on your feet.

NHS vs. Private Mental Healthcare: A Comparison

FeatureNHS Mental Health PathwayPrivate Pathway (with PMI)
Access SpeedReferrals can take weeks; wait times for therapy can be many months.See a specialist (e.g., psychiatrist, psychologist) in days or weeks.
Choice of SpecialistLimited choice; you see the specialist assigned to you.You can often choose your specialist or hospital from the insurer's approved list.
Therapy OptionsAccess to therapies like CBT is available but can have long waits.Quicker access to a set number of sessions of approved therapies (e.g., CBT, counselling).
EnvironmentAppointments are in NHS facilities.Consultations and treatment are in comfortable, private hospital settings.
FlexibilityLess flexibility for appointment times.Appointments can often be scheduled more flexibly around your work commitments.

Your PMI Mental Health Toolkit: A Deep Dive into What's Covered

A comprehensive PMI policy is more than just a hospital plan; it's a complete well-being ecosystem. When you're looking for the best PMI provider, you should examine their mental health benefits closely.

Here’s what a good policy can offer:

  • Fast-Track Specialist Access: Get a swift referral from a GP (often a virtual GP service included with the policy) to a consultant psychiatrist or psychologist. This bypasses long NHS queues, enabling a quick diagnosis and treatment plan.
  • Talking Therapies: Most comprehensive policies include cover for a course of therapy. Cognitive Behavioural Therapy (CBT) is widely covered as it's proven to be highly effective for anxiety, stress, and depression. Counselling and other psychotherapies may also be included.
  • Digital Well-being Platforms: Leading insurers now provide a wealth of proactive resources. These include apps for mindfulness, stress management courses, and direct access to mental health nurses via phone or chat.
  • In-Patient and Day-Patient Care: If your condition becomes severe and requires hospitalisation for treatment, your PMI policy can cover the costs of a private room, specialist fees, and intensive therapy.
  • 24/7 Virtual GP Service: Feeling overwhelmed at 10 PM on a Sunday? Many policies include a virtual GP service, allowing you to speak to a doctor via video call anytime, anywhere, and get immediate advice or a referral.

An expert PMI broker like WeCovr can help you compare the mental health offerings from different insurers, ensuring you get the cover that best suits your needs.

Decoding Your Policy: Understanding "LCIIP" as Your Financial Shield

In the complex world of insurance, you might see various terms describing levels of cover. A concept we can call "LCIIP" – Limited Cover for In-patient and In-day Procedures – represents the foundational shield of many PMI policies.

This type of plan is often the most affordable and focuses on covering the big, financially crippling events. It typically includes:

  • In-patient Treatment: When you are admitted to a hospital and stay overnight for treatment (e.g., for a severe mental health crisis or a surgical procedure).
  • Day-patient Treatment: When you are admitted to a hospital for a planned procedure but do not stay overnight (e.g., for certain types of therapy or minor operations).
  • Cancer Cover: Comprehensive cover for the diagnosis and treatment of cancer is a cornerstone of most UK PMI policies, providing access to specialist drugs and treatments not always available on the NHS.

By securing this foundational cover, you are building a financial firewall. You know that if a major health event occurs—physical or mental—the ruinous costs of private hospital stays and specialist fees are taken care of. This peace of mind is, in itself, a powerful antidote to the chronic financial anxiety that can fuel burnout.

Prevention is Better Than Cure: Lifestyle Changes to Build Resilience

While PMI is your safety net, the ultimate goal is to avoid needing it for a crisis. Building resilience against burnout involves proactive, holistic lifestyle management.

1. Fuel Your Brain and Body

Your diet has a direct impact on your mood and energy. Focus on a whole-foods diet rich in:

  • Omega-3 Fatty Acids: Found in oily fish, walnuts, and flaxseeds, these are crucial for brain health.
  • Complex Carbohydrates: Oats, brown rice, and quinoa provide a steady release of energy, avoiding sugar crashes.
  • Leafy Greens: Spinach and kale are packed with magnesium, which can help calm the nervous system.

WeCovr Value-Add: To support your health journey, WeCovr provides complimentary access to its AI-powered calorie and nutrition tracking app, CalorieHero, helping you make informed dietary choices effortlessly.

2. Prioritise Sleep

Sleep is non-negotiable for mental health. Aim for 7-9 hours of quality sleep per night. Create a routine:

  • Digital Sunset: Turn off all screens at least an hour before bed. The blue light disrupts melatonin production.
  • Consistent Schedule: Go to bed and wake up at the same time every day, even on weekends.
  • Create a Sanctuary: Ensure your bedroom is dark, quiet, and cool.

3. Move Your Body

Exercise is a potent antidepressant. It releases endorphins, reduces cortisol (the stress hormone), and improves sleep. Find something you enjoy, whether it's a brisk walk in the park, a high-intensity gym class, cycling, or yoga.

4. Master Your Mind and Your Time

  • Practice Mindfulness: Just 10 minutes of daily meditation can rewire your brain to handle stress more effectively. Apps like Calm or Headspace are excellent starting points.
  • Set Boundaries: Learn to say "no." Clearly define your working hours and protect your personal time fiercely. Turn off work notifications on your phone outside of these hours.
  • Take Real Breaks: Use your annual leave. Travel, explore new hobbies, or simply rest. Disconnecting completely is essential for recharging your mental batteries.

Why Use an Expert Broker? Your Path to the Right PMI

The private medical insurance UK market can be confusing. Policies vary wildly in price, benefits, and underwriting terms. This is where an independent, expert broker like WeCovr becomes your most valuable ally.

  • Expertise & Impartiality: We are not tied to any single insurer. Our job is to understand your specific needs and search the market to find the best policy for you. We are authorised and regulated by the Financial Conduct Authority (FCA), so you can be sure our advice is professional and trustworthy.
  • No Cost to You: Our service is paid for by the insurer you choose, so you get expert, unbiased advice at no extra cost.
  • Holistic Protection: We understand that your well-being is about more than just health. For clients who purchase PMI or Life Insurance through us, we offer exclusive discounts on other insurance products, allowing you to build a comprehensive financial shield for your family, including life insurance and critical illness cover.
  • Proven Satisfaction: Our high customer satisfaction ratings are a testament to our commitment to finding the right solutions for our clients.

A Real-Life Example: Sarah's Story

Sarah, a 38-year-old Senior Project Manager, felt constantly exhausted and cynical about her high-pressure job. She was making mistakes and feared for her career. Through her company's PMI plan, arranged by a broker, she used the virtual GP service. She spoke to a doctor that evening, who recognised the signs of severe burnout and referred her to a psychiatrist.

Within ten days, Sarah had her first consultation. She was diagnosed with an acute anxiety disorder and burnout. Her PMI policy covered 16 sessions of CBT. The therapy gave her coping mechanisms, and the swift intervention allowed her to take a managed step back at work, discuss her workload with her manager, and prevent a full-blown career collapse. For Sarah, her PMI was her career life-raft.

Does private medical insurance cover pre-existing mental health conditions?

Generally, no. Standard UK private medical insurance (PMI) is designed to cover new, acute conditions that arise after your policy begins. It does not cover pre-existing conditions (illnesses you sought advice or treatment for before cover started) or chronic conditions (long-term illnesses that cannot be cured). It is crucial to declare your medical history accurately when applying.

How quickly can I see a mental health specialist with PMI?

This is a key benefit of PMI. While NHS waiting lists can be many months long, with private health cover you can often see a specialist, such as a psychiatrist or psychologist, within a matter of days or weeks once you have a GP referral. Many policies include a virtual GP service to speed this process up even further.

Is therapy like CBT covered by private medical insurance?

Yes, most comprehensive PMI policies in the UK provide cover for a set number of sessions of talking therapies, especially evidence-based treatments like Cognitive Behavioural Therapy (CBT). This is a core part of the mental health support offered. The exact number of sessions and types of therapy covered will vary by insurer and policy level.

Why should I use a broker like WeCovr instead of going directly to an insurer?

An expert, independent broker like WeCovr works for you, not the insurer. We provide impartial advice, comparing policies from a wide range of providers to find the one that best fits your needs and budget. We demystify the jargon, handle the application process, and our service comes at no extra cost to you. This saves you time and ensures you get the right cover, not just the one an insurer wants to sell you.

The UK's burnout crisis is real, and its potential to destroy both your health and your financial future is profound. Don't wait for a crisis to act. A robust Private Medical Insurance policy is the single most important investment you can make in your professional longevity and personal well-being.

Protect your most valuable asset—you. Contact WeCovr today for a free, no-obligation quote and let our experts build your shield against burnout.

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