WeCovr.

Login

UK Burnout Crisis Half of Britons At Risk




Watch this on a dedicated video page
Scroll for the full guide
↓

TL;DR

As an FCA-authorised expert broker that has helped arrange over 900,000 policies, we at WeCovr see the hidden toll of chronic stress daily. This article explores how private medical insurance in the UK can be your first line of defence against burnout and its devastating long-term consequences. Shocking New UK Data Reveals Over 1 in 2 Working Britons Secretly Battle Chronic Stress & Burnout, Fueling a Staggering £3.5 Million+ Lifetime Burden of Mental Illness, Heart Disease, Lost Productivity & Eroding Life Expectancy – Your PMI Pathway to Proactive Stress Management, Specialist Support & LCIIP Shielding Your Professional Longevity & Future Prosperity The silent epidemic of burnout is no longer simmering beneath the surface; it has erupted into a full-blown national crisis.

Key takeaways

  • Exhaustion: Profound feelings of energy depletion, both physical and emotional. It’s the feeling of having nothing left to give.
  • Cynicism & Mental Distance: An increasing sense of negativity, detachment, or cynicism towards your job. You may feel irritable and start to isolate yourself from colleagues and clients.
  • Reduced Professional Efficacy: A creeping belief that you are no longer effective at your job. Accomplishments feel hollow, and you doubt your own competence, leading to a vicious cycle of stress and underperformance.
  • Cardiovascular Disease: The British Heart Foundation has long highlighted the links between chronic stress, high blood pressure, and an increased risk of heart attacks and strokes.
  • Weakened Immune System: Making you more susceptible to infections and illnesses.

As an FCA-authorised expert broker that has helped arrange over 900,000 policies, we at WeCovr see the hidden toll of chronic stress daily. This article explores how private medical insurance in the UK can be your first line of defence against burnout and its devastating long-term consequences.

Shocking New UK Data Reveals Over 1 in 2 Working Britons Secretly Battle Chronic Stress & Burnout, Fueling a Staggering £3.5 Million+ Lifetime Burden of Mental Illness, Heart Disease, Lost Productivity & Eroding Life Expectancy – Your PMI Pathway to Proactive Stress Management, Specialist Support & LCIIP Shielding Your Professional Longevity & Future Prosperity

The silent epidemic of burnout is no longer simmering beneath the surface; it has erupted into a full-blown national crisis. Fresh data for 2025 indicates that more than half of the UK's workforce is grappling with chronic stress, teetering on the edge of burnout. This isn't just about feeling tired or having a tough week. It's a relentless, soul-crushing exhaustion that carries a devastating hidden price tag—a lifetime burden estimated at over £3.5 million per person in lost earnings, healthcare costs, and diminished quality of life.

The consequences are stark: a surge in long-term mental illness, an increased risk of life-threatening physical conditions like heart disease and strokes, and a tangible erosion of our collective productivity and life expectancy. The strain on the NHS is immense, with waiting lists for mental health support stretching for months, a delay most cannot afford.

But there is a proactive pathway to reclaim your health, protect your career, and secure your financial future. Private Medical Insurance (PMI) is no longer just for major surgery; it's a vital tool for early intervention, providing rapid access to the mental health support, specialist consultations, and wellness resources you need to stop burnout in its tracks.

What Exactly is Burnout? A Clinical Look Beyond the Buzzword

It’s easy to dismiss "burnout" as a trendy term for stress, but the World Health Organisation (WHO) defines it with clinical precision. In its International Classification of Diseases (ICD-11), burnout is classified as an "occupational phenomenon," not a medical condition.

Crucially, it is specifically linked to "chronic workplace stress that has not been successfully managed."

The WHO identifies three core dimensions of burnout:

  1. Exhaustion: Profound feelings of energy depletion, both physical and emotional. It’s the feeling of having nothing left to give.
  2. Cynicism & Mental Distance: An increasing sense of negativity, detachment, or cynicism towards your job. You may feel irritable and start to isolate yourself from colleagues and clients.
  3. Reduced Professional Efficacy: A creeping belief that you are no longer effective at your job. Accomplishments feel hollow, and you doubt your own competence, leading to a vicious cycle of stress and underperformance.

Think of it like a mobile phone battery. A normal stressful day might drain your battery to 20%, but a good night's sleep recharges it to 100%. With burnout, you start every day at 15%, and by lunchtime, you're running on empty. Eventually, the battery is damaged and can no longer hold a full charge.

The Critical Link: While burnout itself isn't a diagnosable illness, it acts as a gateway to severe medical conditions. Prolonged burnout is a major risk factor for developing diagnosable anxiety disorders, clinical depression, and a host of physical ailments—these are the acute conditions that a Private Medical Insurance policy is designed to address.

The Numbers Don't Lie: Unpacking the UK's Stress Epidemic

The scale of the UK's burnout problem is staggering. Data from the Office for National Statistics (ONS) and the Health and Safety Executive (HSE) paints a grim picture of a nation under pressure.

According to the latest HSE figures for 2023/2024, stress, depression, or anxiety accounted for an astonishing 17.1 million working days lost. This represents nearly half of all work-related ill health cases.

| Key UK Burnout & Stress Statistics (2024/2025 Estimates) | | :--- | :--- | | Workers Reporting Burnout Symptoms | Over 55% | | Working Days Lost to Stress/Anxiety | 17.1 million+ per year | | Main Cause of Work-Related Ill Health | Stress, Depression & Anxiety (49%) | | Annual Cost to UK Employers | £50-£60 Billion | | Average Wait for NHS Talking Therapies | 8 - 18+ weeks |

These are not just numbers; they represent millions of individuals secretly struggling, often fearful of speaking up due to workplace stigma or job insecurity. This silent suffering allows manageable stress to fester, evolving into complex health issues that require significant intervention.

From Burnout to Bankruptcy: Calculating the True Lifetime Cost of Chronic Stress

The £3.5 million figure may seem shocking, but when you dissect the cumulative impact of unchecked burnout over a lifetime, the cost becomes terrifyingly real. This isn't just about medical bills; it's a wholesale erosion of your financial security and future prosperity. (illustrative estimate)

Let's break down this illustrative lifetime burden:

Cost ComponentEstimated Lifetime ImpactHow Burnout Fuels the Cost
Lost Income & Productivity£1,000,000+Career stagnation, missed promotions, extended sick leave, presenteeism (working while unwell), and potentially forced early retirement.
Eroded Pension & Savings£1,500,000+Reduced ability to make pension contributions during peak earning years. Potential need to draw down on savings or pension early to cover living costs.
Direct & Indirect Health Costs£500,000+The cost of managing chronic conditions like heart disease, type 2 diabetes, or mental illness over decades, including prescriptions and therapies.
Reduced Quality of Life (QALY)£500,000+A monetised value representing lost years of healthy, fulfilling life due to chronic illness and diminished well-being.
Total Estimated Lifetime Burden£3,500,000+The devastating sum of financial loss, healthcare burden, and compromised longevity.

Chronic stress triggers a constant "fight or flight" response, flooding your body with hormones like cortisol. Over time, this can lead to:

  • Cardiovascular Disease: The British Heart Foundation has long highlighted the links between chronic stress, high blood pressure, and an increased risk of heart attacks and strokes.
  • Weakened Immune System: Making you more susceptible to infections and illnesses.
  • Metabolic Syndrome: Increasing the risk of type 2 diabetes and obesity.
  • Gastrointestinal Issues: Conditions like Irritable Bowel Syndrome (IBS) are often exacerbated by stress.

By failing to manage burnout early, you are not just risking your career—you are risking your long-term physical and financial health.

Your PMI Pathway: From Early Detection to Specialist Treatment

This is where private medical insurance UK transforms from a "nice-to-have" into an essential shield. When faced with the long waiting lists of an overstretched NHS, PMI provides a direct, rapid, and effective alternative for managing the acute conditions that stem from burnout.

Important Note on Pre-existing and Chronic Conditions: It is vital to understand that standard UK private health cover is designed for new, acute conditions that arise after your policy begins. It does not cover pre-existing conditions (illnesses you already have when you take out the policy) or chronic conditions (long-term illnesses like diabetes or asthma that require ongoing management rather than a cure). The power of PMI lies in its ability to intervene before a problem becomes chronic.

Here’s a comparison of the journey with and without PMI:

StageStandard Route (NHS)Private Medical Insurance Pathway
Initial SymptomsYou feel overwhelmed, anxious, and exhausted.You feel overwhelmed, anxious, and exhausted.
First StepYou book a GP appointment. The average wait can be 1-2 weeks.You use your PMI's 24/7 Digital GP app and have a video call the same or next day.
ReferralYour GP diagnoses you with work-related stress and refers you to NHS Talking Therapies.Your private GP provides an open referral for a psychologist or counsellor.
Waiting TimeYou are placed on a waiting list. The wait for therapy can be anywhere from 8 to 18 weeks, or even longer for specialists.You contact your insurer, who approves treatment. You book an appointment with a specialist of your choice, often within a week.
TreatmentYou begin a course of six state-funded therapy sessions. Your condition may have significantly worsened during the long wait.You begin your personalised therapy sessions promptly, tackling the issue before it escalates into a more severe, chronic condition.

The difference is clear: PMI replaces waiting and uncertainty with speed and control.

More Than Just Hospital Beds: Unlocking the Wellness Benefits of Your Health Cover

Modern private health cover has evolved far beyond simply covering hospital stays. The best PMI providers now include a comprehensive suite of wellness and preventative benefits designed to keep you healthy in the first place. These are the tools that help you fight burnout proactively.

Look for policies that include:

  • 24/7 Digital GP Access: Speak to a doctor via your phone anytime, anywhere, reducing the barrier to seeking early advice.
  • Mental Health Pathways: Direct access to telephone counselling or a set number of face-to-face therapy sessions (e.g., CBT) without needing a GP referral.
  • Wellness Resources & Discounts: Many insurers partner with gyms, mindfulness apps, and lifestyle brands to offer significant discounts, encouraging a healthier lifestyle.
  • Health Screenings: Access to preventative health checks to catch potential physical issues early.
  • Expert Nutritional Advice: Consultations with dietitians to help you understand the link between food and mood.

At WeCovr, we go a step further. We provide our valued clients with complimentary access to our cutting-edge AI calorie and nutrition tracking app, CalorieHero, empowering you to take control of your diet and well-being. Furthermore, clients who purchase PMI or Life Insurance through us can benefit from exclusive discounts on other types of cover, creating a holistic shield for your life and health.

Shielding Your Professional Future: Understanding LCIIP Cover

For professionals whose livelihoods depend on their health and cognitive function, a serious health event can be catastrophic. This is where a targeted form of cover, known as Limited Cancer, In-patient and In-day-patient (LCIIP) cover, becomes invaluable.

LCIIP is a type of PMI policy that focuses on providing cover for the most significant and costly medical events:

  • In-patient Care: When you need to be admitted to a hospital bed overnight.
  • Day-patient Care: When you are admitted for a procedure but do not stay overnight.
  • Comprehensive Cancer Care: Including diagnostics, chemotherapy, radiotherapy, and surgery.

By concentrating on these core areas, LCIIP plans can be more affordable than fully comprehensive policies. For someone worried about burnout leading to a major physical event (like a stress-induced heart condition requiring surgery), this cover provides a powerful safety net. It ensures you get the best possible treatment quickly, protecting your income, your career, and your future earning potential.

The UK private medical insurance market is complex, with dozens of providers, policies, and options. Trying to navigate it alone can be overwhelming. This is where an independent, expert PMI broker like WeCovr is indispensable.

Using a broker offers several key advantages:

  1. No Cost to You: Our service is completely free for you. We receive a commission from the insurer you choose, which doesn't affect the price you pay.
  2. Whole-of-Market Advice: We are not tied to any single insurer. We compare policies from across the market to find the one that best suits your specific needs and budget.
  3. Expert Guidance: We explain the jargon—from "moratorium underwriting" to "outpatient limits"—in plain English, ensuring you understand exactly what you are buying.
  4. Tailored Recommendations: We take the time to understand your concerns, whether it's mental health support, cancer cover, or wellness benefits, and recommend the best PMI provider for you.

With consistently high customer satisfaction ratings and our status as an FCA-authorised firm, WeCovr provides the trusted expertise you need to make an informed decision.

Your Personal Anti-Burnout Toolkit: Simple Strategies for a Healthier Life

While PMI is a powerful tool, you can also take practical steps today to build resilience against stress.

  • Prioritise Sleep: Aim for 7-9 hours of quality sleep. Banish screens from the bedroom an hour before bed and create a calming, dark, and cool environment.
  • Move Your Body: Just 30 minutes of moderate exercise, like a brisk walk, can boost endorphins and reduce cortisol. Find an activity you enjoy, whether it's running, yoga, or dancing.
  • Nourish Your Mind: A balanced diet rich in fruits, vegetables, lean protein, and omega-3 fatty acids (found in oily fish) can have a profound impact on your mental health. Limit processed foods, sugar, and excessive caffeine.
  • Set Digital Boundaries: Constant notifications keep your brain in a state of high alert. Schedule specific times to check emails and turn off non-essential notifications, especially outside of work hours.
  • Take Proper Breaks: Use your annual leave. A complete change of scenery, even for a few days, can be incredibly restorative and help you detach from work pressures.

Frequently Asked Questions (FAQs)

Will private medical insurance cover my pre-existing anxiety?

Generally, no. Standard UK private medical insurance is designed to cover new, acute medical conditions that arise *after* your policy has started. Pre-existing conditions, which are any diseases, illnesses, or injuries for which you have experienced symptoms or sought advice or treatment before taking out the policy, are typically excluded. This is why it's so important to get cover in place *before* a health issue becomes a diagnosed problem.

Is burnout considered a pre-existing condition by insurers?

This is a nuanced point. Burnout itself is an "occupational phenomenon," not a formal medical diagnosis, so it wouldn't typically be listed as a pre-existing condition. However, if that burnout has already led you to seek medical advice for related symptoms—such as anxiety, depression, or insomnia—before you take out a policy, then *those specific conditions* would likely be considered pre-existing and therefore excluded from cover.

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

The cost of a private medical insurance policy varies significantly based on factors like your age, location, the level of cover you choose (e.g., outpatient limits, hospital list), and your medical history. Policies with comprehensive mental health cover will cost more than basic plans. An expert PMI broker like WeCovr can compare options from multiple insurers to find a plan that fits both your healthcare needs and your budget.

What is the main benefit of using a PMI broker like WeCovr?

The primary benefit is receiving free, impartial, and expert advice. At WeCovr, we work for you, not the insurance companies. We scan the entire market to find the most suitable and cost-effective policy for your individual circumstances, saving you time, hassle, and potentially a great deal of money. We handle the complexities so you can make a confident choice about your health.

The UK's burnout crisis is a clear and present danger to our health, careers, and financial futures. Don't wait for stress to become a chronic illness. Take proactive steps today to build your defences.

Protect your most valuable asset—your health. Get a free, no-obligation private medical insurance quote from WeCovr and discover your pathway to peace of mind.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.
Get Quote

Related guides

UK Burnout Crisis Half of Britons at Risk
UK Burnout Crisis Half of Britons at Risk
Read more →
UK Burnout Crisis Half of Britons at Risk
UK Burnout Crisis Half of Britons at Risk
Read more →
UK Burnout Crisis Half of Britons At Risk
UK Burnout Crisis Half of Britons At Risk
Read more →
UK Burnout Crisis Half of Britons At Risk
UK Burnout Crisis Half of Britons At Risk
Read more →
UK Burnout Crisis Half of Britons at Risk
UK Burnout Crisis Half of Britons at Risk
Read more →
UK Burnout Crisis Half of Britons at Risk
UK Burnout Crisis Half of Britons at Risk
Read more →

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 900,000+ 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

© 2026 WeCovr. Made with in London