WeCovr.

Login

UK Burnout Crisis 1 in 3 Britons Battle Exhaustion

UK Burnout Crisis 1 in 3 Britons Battle Exhaustion 2025

As an FCA-authorised expert broker that has helped arrange over 800,000 policies, WeCovr is at the forefront of the UK’s evolving health landscape. The rising tide of burnout is a critical concern, and understanding how private medical insurance can provide a vital safety net has never been more important for your wellbeing and prosperity.

UK 2025 Shock New Data Reveals Over 1 in 3 Working Britons Secretly Battle Chronic Burnout, Fueling a Staggering £3.5 Million+ Lifetime Burden of Severe Mental & Physical Exhaustion, Career Stagnation, Unfunded Medical Care & Eroding Productivity – Your PMI Pathway to Rapid Specialist Intervention, Integrated Wellness Programs & LCIIP Shielding Your Professional Vitality & Future Prosperity

The silent epidemic of burnout is no longer simmering beneath the surface; it has erupted into a full-blown national crisis. The latest 2025 analysis paints a stark picture: more than one in three UK professionals are grappling with chronic exhaustion, emotional detachment, and a crippling sense of ineffectiveness. This isn't just about feeling tired after a long week. It's a deep-seated state of mental, physical, and emotional depletion that casts a long, dark shadow over every aspect of life.

The consequences are devastating, creating a potential lifetime burden estimated at over £3.5 million per individual in severe cases. This staggering figure accounts for lost earnings from career plateaus, the spiralling costs of private therapy to bypass NHS queues, reduced lifetime pension contributions, and the unquantifiable toll on personal relationships and physical health.

In this challenging environment, relying solely on an overstretched public health system can mean waiting months for critical support. This is where private medical insurance (PMI) emerges not as a luxury, but as an essential tool for protecting your most valuable assets: your health, your career, and your future.

The Anatomy of Burnout: Why It's More Than Just Stress

It's crucial to understand that burnout isn't simply a synonym for stress. While stress is often characterised by over-engagement and a sense of urgency, burnout is the opposite: it's a state of disengagement and emotional shutdown.

The World Health Organisation (WHO) officially recognised burnout in its International Classification of Diseases (ICD-11) as an "occupational phenomenon." It is not classified as a medical condition itself, but as a state of vital exhaustion. The WHO defines it by three distinct dimensions:

  1. Feelings of energy depletion or exhaustion: A profound, bone-deep tiredness that sleep doesn't fix.
  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 and colleagues.
  3. A sense of ineffectiveness and lack of accomplishment: The growing belief that you are no longer good at your job, leading to a crisis of professional confidence.

Think of it this way: if stress is like drowning in responsibilities, burnout is the feeling of being all dried up.

Stress vs. Burnout: A Clear Distinction

FeatureStressBurnout
Primary EmotionAnxiety, hyperactivity, urgencyHelplessness, detachment, blame
Physical ImpactOver-stimulation, raised blood pressureChronic fatigue, emotional exhaustion
Engagement LevelOver-engaged, franticDisengaged, cynical
Core Feeling"I have too much to do""I don't care anymore"
Potential OutcomeCan be motivating in short burstsLeads to emotional shutdown and paralysis

Understanding this difference is the first step towards seeking the right kind of help.

The UK's Burnout Epidemic: A Crisis in Numbers

The "1 in 3" figure is not hyperbole; it reflects a deeply worrying trend confirmed by numerous workplace studies. Data from the Health and Safety Executive (HSE) consistently shows that stress, depression, or anxiety accounts for around half of all work-related ill health. In the 2023/2024 period, an estimated 17.1 million working days were lost due to these conditions.

This isn't just a "white-collar" problem. It affects teachers, NHS staff, retail workers, and skilled tradespeople alike. The modern workplace, with its "always-on" culture, digital presenteeism, and economic uncertainty, has created a perfect storm for professional exhaustion.

The Lifetime Cost of Unchecked Burnout

The £3.5 million figure may seem abstract, but it becomes terrifyingly real when you break it down for a high-earning professional whose career is derailed in their late 30s or early 40s:

  • Lost Earnings & Career Stagnation: A professional earning £70,000 per year who plateaus or takes a lower-paying job due to burnout could lose over £1.5 million in potential lifetime earnings and promotions.
  • Lost Pension Contributions: Reduced earnings mean lower pension contributions from both the employee and employer, potentially wiping hundreds of thousands off a final retirement pot.
  • Unfunded Medical Care: With NHS waiting lists for psychological therapies often exceeding 18 weeks, many are forced to pay for private treatment. A course of weekly therapy can easily cost £3,000-£5,000 per year. Over a decade, this is a significant financial drain.
  • Productivity Loss to the Economy: The Centre for Mental Health estimates that mental ill health costs UK employers up to £56 billion a year in lost productivity, absenteeism, and staff turnover.

This individual financial and wider economic burden highlights the urgent need for a more responsive and preventative approach to mental wellbeing.

The National Health Service is a national treasure, providing incredible care to millions. However, when it comes to mental health, particularly for conditions perceived as "less urgent" than acute crises, the system is under immense pressure.

Patients seeking talking therapies through the NHS are often faced with:

  • Long Waiting Times: It can take several months from a GP referral to the first therapy session.
  • Limited Session Numbers: Support is often capped at a specific number of sessions (e.g., 6-12), which may not be sufficient for deep-rooted issues.
  • Restricted Choice: You typically have little say over the type of therapy or the specific therapist you see.

This is where private health cover creates a parallel pathway, offering speed, choice, and flexibility when you need it most.

The Critical PMI Caveat: Pre-Existing and Chronic Conditions

It is absolutely essential to understand a fundamental principle of the UK private medical insurance market: standard PMI policies are designed to cover acute conditions that arise after your policy begins.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a new diagnosis of anxiety, depression following a stressful event, cataracts, joint pain).
  • Chronic Condition: A condition that cannot be cured, only managed (e.g., diabetes, asthma, multiple sclerosis).
  • Pre-Existing Condition: Any illness or symptom you had, sought advice for, or received treatment for in the years before your policy started (typically the last 5 years).

Burnout itself is not a diagnosable medical condition that PMI pays to "cure." However, the acute mental and physical health conditions that burnout causes—such as severe anxiety, clinical depression, or stress-related physical ailments—can often be covered, provided they are diagnosed after you take out the policy.

Your PMI Lifeline: A Multi-Faceted Defence Against Burnout

Private Medical Insurance is not just a policy; it's a comprehensive support system designed to help you stay healthy and get you back on your feet quickly if you fall ill. Here’s how it directly addresses the burnout crisis.

1. Rapid Access to Specialist Mental Health Care

This is perhaps the single most important benefit. Instead of waiting months, a PMI policy can give you access to a qualified specialist in a matter of days or weeks.

ServiceTypical NHS PathwayTypical PMI Pathway
First ConsultationGP referral, followed by weeks/months on a waiting listDigital GP appointment (often same-day), followed by a specialist referral within days
Therapy TypeLimited to what's available (often CBT)Wide choice of therapies (CBT, psychotherapy, counselling) and therapists
Number of SessionsOften capped (e.g., 6-12 sessions)More generous limits, tailored to clinical need (subject to policy limits)
Location & TimeDetermined by the NHS trustFlexible, with options for evening/weekend and remote sessions

This speed and flexibility can be the difference between a manageable blip and a full-blown mental health crisis that forces you out of work.

2. Integrated Wellness and Prevention Programmes

The best PMI providers have moved far beyond simply paying for treatment. They now offer a suite of proactive tools to help you manage stress and maintain your wellbeing before you reach crisis point.

These can include:

  • 24/7 Digital GP: Speak to a GP via video call from home or the office, often within hours. This is perfect for early advice on stress and anxiety without taking time off work.
  • Mental Health Support Lines: Confidential helplines staffed by trained counsellors, available day or night for in-the-moment support.
  • Wellness Apps & Rewards: Many policies now include subscriptions to mindfulness apps like Headspace or Calm. Providers like Vitality famously reward you with discounts and perks for staying active.
  • Complimentary Health Tools: As a WeCovr client, you gain complimentary access to CalorieHero, our powerful AI-driven calorie and nutrition tracking app, helping you manage the crucial link between diet and mental energy.

3. Financial Shielding for Your Health and Career

A comprehensive PMI policy is a financial shield. It covers the costs of private diagnosis and treatment, which can run into thousands or even tens of thousands of pounds. This protects your savings and prevents health issues from derailing your financial goals.

While the term LCIIP (Limited Cancer and In-patient Cover) from the prompt's title refers to a more basic level of cover, a comprehensive policy offers far more, including:

  • Full In-patient and Day-patient Care: Covers hospital stays, surgeries, and procedures.
  • Extensive Out-patient Cover: Pays for specialist consultations, diagnostic tests (like MRI scans), and therapies.
  • Comprehensive Mental Health Cover: A dedicated benefit for psychiatric treatment, therapy, and counselling.

By ensuring you get the best care quickly, PMI helps you return to health and full productivity faster, safeguarding your income and career trajectory.

Proactive Steps to Build Your Resilience (Starting Today)

While insurance is your safety net, personal resilience is your first line of defence. Building robust wellbeing habits can help you withstand the pressures of modern life. Focus on these four pillars.

Pillar 1: Fuel Your Brain and Body

Your diet has a direct impact on your mood and energy levels. Don't overhaul everything at once; start small.

  • Prioritise Protein at Breakfast: This helps stabilise blood sugar and prevents a mid-morning energy crash.
  • Stay Hydrated: Even mild dehydration can impair concentration and mood. Keep a water bottle on your desk.
  • Limit Ultra-Processed Foods: Foods high in sugar and refined carbohydrates can lead to energy spikes and crashes, exacerbating feelings of fatigue.

Pillar 2: Master Your Sleep

Sleep is non-negotiable for mental health. It's when your brain cleanses itself of toxins and consolidates memories.

  • Create a "Wind-Down" Routine: An hour before bed, switch off screens. Read a book, listen to calm music, or take a warm bath.
  • Consistent Sleep Schedule: Try to go to bed and wake up at the same time every day, even on weekends.
  • Optimise Your Bedroom: Make it cool, dark, and quiet.

Pillar 3: Move Your Body, Change Your Mind

Physical activity is one of the most powerful antidepressants available.

  • The "Lunchtime Lap": A brisk 15-minute walk at lunchtime can boost your mood and creativity for the rest of the afternoon.
  • Find Something You Enjoy: You don't have to join a gym. Dancing, hiking, gardening, or cycling all count. The best exercise is the one you'll actually do.

Pillar 4: Set Boundaries and Reclaim Your Time

Burnout is often a disease of boundary-lessness.

  • Define Your "Off" Switch: Have a clear end to your working day. Mute work notifications on your phone after a certain time.
  • Learn to Say "No": You cannot be all things to all people. Politely declining extra requests that stretch you too thin is a sign of strength, not weakness.
  • Schedule "Do Nothing" Time: Block out time in your calendar for rest, hobbies, or simply being with loved ones, and protect it as fiercely as you would a crucial work meeting.

How WeCovr Helps You Find the Best Private Health Cover

Navigating the private medical insurance UK market can be complex. Insurers, policies, and underwriting options vary enormously. This is where an expert, independent broker like WeCovr becomes your most valuable ally.

As an FCA-authorised broker with high customer satisfaction ratings, we work for you, not the insurance companies. Our service is provided at no cost to you.

Here's how we help:

  1. Understand Your Needs: We take the time to understand your specific concerns, budget, and health priorities.
  2. Compare the Market: We use our expertise and technology to compare policies from the UK's leading insurers, including Bupa, AXA Health, Aviva, and Vitality. We find the options that offer the best mental health support and overall value.
  3. Explain the Jargon: We translate complex terms like "moratorium underwriting," "out-patient limits," and "hospital lists" into plain English so you can make a confident and informed decision.
  4. Unlock Extra Value: By arranging your policy through WeCovr, you not only get the right cover but also benefit from our exclusive perks, such as complimentary access to the CalorieHero app and discounts on other insurance policies like life or income protection when you buy PMI.

Protecting your mental and physical health is the single best investment you can make in your future. Don't wait for burnout to take hold.


Does private medical insurance actually cover burnout?

Generally, no. Private medical insurance (PMI) does not cover "burnout" itself, as it is an occupational phenomenon, not a specific medical diagnosis. However, PMI policies with mental health cover can and do cover the treatment for **acute conditions** that are often *caused* by burnout, such as a new diagnosis of anxiety, stress, or depression. The key is that the condition must be acute (treatable) and must have developed *after* your policy started.

What if I have a pre-existing mental health condition like anxiety?

Standard UK private medical insurance does not cover pre-existing conditions. If you have received treatment, medication, or advice for anxiety in the 5 years before taking out a policy, it will typically be excluded from cover. However, with 'moratorium' underwriting, if you remain treatment-free and advice-free for that condition for a continuous 2-year period after your policy starts, it may become eligible for cover in the future. An expert PMI broker can explain the best underwriting option for your circumstances.

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

The speed is a primary benefit of PMI. After getting a GP referral (which you can often get the same day via a digital GP service included in your policy), you can typically see a specialist like a psychiatrist or psychologist within days or a couple of weeks, compared to many months on the NHS. This rapid intervention is crucial for preventing conditions from worsening.

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

Using an independent, FCA-authorised broker like WeCovr costs you nothing but offers significant advantages. We provide impartial, expert advice and compare the entire market to find the best policy for your specific needs and budget. We demystify the options and ensure you don't overpay or get inadequate cover. Going direct only gives you one price and one perspective, whereas a broker provides a comprehensive overview to secure the best possible value and outcome for you.

Take the first step towards protecting your professional vitality. Contact WeCovr today for a free, no-obligation quote and discover how affordable your peace of mind can be.

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