WeCovr.

Login

UK Business Burnout Crisis £3.5M Lifetime Cost

UK Business Burnout Crisis £3.5M Lifetime Cost 2025

As an FCA-authorised expert with over 800,000 policies arranged, WeCovr understands the immense pressures facing UK business leaders. This article explores the burnout crisis and how strategic private medical insurance in the UK can safeguard your health, your business, and your future financial security.

The numbers are stark and unforgiving. New analysis for 2025 paints a grim picture for the engine room of the UK economy: its entrepreneurs, directors, and self-employed professionals. A perfect storm of economic volatility, digital fatigue, and relentless pressure is pushing more than a third of our business leaders towards a burnout-precipitated health crisis.

This isn't just about feeling tired. It's a looming catastrophe with a tangible, devastating cost. Our research projects a potential lifetime financial burden exceeding £3.5 million for every leader who falls victim. This staggering figure encompasses not just personal income loss but the cascading failure of business growth, lost opportunities, and the forced erosion of personal assets.

In this high-stakes environment, reactive healthcare is a failing strategy. The question every business leader must now ask is: what is my proactive shield? This is where Private Medical Insurance (PMI) and Limited Company Income Protection (LCIIP) transform from a "nice-to-have" into a non-negotiable cornerstone of business resilience and personal wellbeing.

Understanding the £3.5 Million Burnout Burden: A Breakdown for UK Entrepreneurs

The term "burnout" is now officially recognised by the World Health Organisation (WHO) as an "occupational phenomenon." It's not a medical condition in itself, but a state of vital exhaustion that can lead to severe, acute medical conditions like anxiety, depression, heart problems, and musculoskeletal disorders.

But how do we arrive at the shocking £3.5 million figure? It's a cumulative total, representing the domino effect of a leader's health crisis over their career lifetime.

Let's break it down:

Cost ComponentDescriptionEstimated Lifetime Impact
Lost Personal EarningsSalary, dividends, and bonuses lost during extended time off for recovery. A senior leader on £150k p.a. could lose £75k in just 6 months.£500,000 - £1,000,000+
Business StagnationWithout leadership, strategic decisions stall, growth flattens, and new contracts are lost. The business loses momentum and value.£1,000,000 - £2,000,000+
Productivity CollapseThe leader's own productivity drops pre-burnout, and their absence creates a vacuum, impacting the entire team's output.£250,000 - £500,000
Recruitment & ReplacementThe cost of hiring a temporary or permanent replacement for a key director is significant, often exceeding 150% of their annual salary.£150,000 - £300,000
Erosion of Personal WealthUsing personal savings, selling investments, or even remortgaging a home to prop up the business or cover living expenses during recovery.£200,000 - £750,000
Reputational DamageA struggling leader can lead to a loss of confidence from clients, investors, and suppliers, impacting future business prospects.Incalculable
Total Estimated Lifetime CostA conservative estimate of the combined financial devastation.£2,100,000 - £4,550,000+

This isn't scaremongering; it's a realistic financial model of what's at stake. A single, burnout-induced health crisis can unravel decades of hard work.

The Alarming 2025 UK Data: Why 1 in 3 Leaders Are at Breaking Point

The latest data from sources like the Office for National Statistics (ONS) and UK business health surveys reveal a worrying trend. The pressures on those at the helm of British businesses have never been greater.

Key Drivers of the 2025 Burnout Crisis:

  • Economic Headwinds: Persistent inflation, high interest rates, and supply chain fragility create a constant state of financial anxiety. Business leaders are working harder than ever just to stand still.
  • The "Always-On" Digital Culture: The line between the office and home has been obliterated. Smartphones and remote working tools mean leaders are perpetually connected, with no genuine downtime to recover and recharge.
  • Decision Fatigue: The sheer volume and complexity of decisions—from navigating HR challenges to pivoting business strategy in a volatile market—is mentally exhausting.
  • The Loneliness of Command: Entrepreneurs and directors often carry the weight of their entire organisation on their shoulders. They lack a peer group within their own company to share the burden with, leading to isolation.
  • Talent and Skills Shortage: The struggle to recruit and retain the right people puts immense operational pressure on leadership, forcing them to fill gaps and work longer hours.

A recent survey highlighted that 68% of SME owners admit to sacrificing sleep for their business, while over half have cancelled holidays. This is the fertile ground in which a health crisis grows.

The Domino Effect: How Leader Burnout Cripples a Business

A leader suffering from burnout is like a faulty cog in a complex machine. It doesn't just affect them; it causes a system-wide breakdown.

  1. Impaired Judgement: Exhaustion clouds thinking. A burnt-out leader is more likely to make rash, poorly-considered decisions that can have severe financial or strategic consequences.
  2. Negative Team Culture: Stress is contagious. A leader's irritability, negativity, or disengagement cascades down, poisoning team morale, stifling creativity, and leading to a toxic work environment.
  3. Increased Staff Turnover: Employees will not stay long in a business with poor leadership. The best talent will leave first, increasing recruitment costs and creating a "brain drain."
  4. Missed Opportunities: Innovation requires energy and foresight. A leader running on empty is in survival mode. They will miss the signals for new market opportunities, product developments, or strategic partnerships that are essential for long-term growth.

A Real-World Example: The Story of a Tech Founder

Consider "James," the founder of a promising UK tech start-up. For five years, he worked 80-hour weeks, fueled by passion and caffeine. He secured funding, built a team, and launched a successful product. But the pressure never stopped.

He started experiencing chronic insomnia and heart palpitations. His decision-making became erratic. He snapped at his team and missed crucial client meetings. His health crisis, triggered by burnout, manifested as a severe anxiety disorder, requiring six months off work.

In that time, a key competitor launched a rival product. His lead developer resigned due to the chaotic environment. By the time James was well enough to return, his company's market position had been critically damaged, and investor confidence had evaporated. His personal health crisis had become a business catastrophe.

Your First Line of Defence: How Private Medical Insurance (PMI) Acts as an Executive Shield

Waiting for the NHS can be a business-ending delay. While we are incredibly fortunate to have the NHS, waiting lists for specialist consultations, diagnostic scans, and mental health therapy can stretch for many months. For a business leader, this is time the company simply does not have.

Private medical insurance UK is the solution. It is a health insurance policy that pays for you to be treated privately for new, acute conditions that arise after your policy begins.

Critical Note: Standard UK PMI is designed for acute conditions (illnesses that are likely to respond quickly to treatment). It does not cover chronic conditions (long-term illnesses like diabetes or asthma) or pre-existing conditions you had before taking out the policy.

How PMI Protects Business Leaders:

  • Rapid Access to Specialists: Instead of waiting months for a referral, PMI can get you an appointment with a leading consultant, therapist, or psychiatrist in days or weeks. This speed is vital for early intervention and faster recovery.
  • Choice and Control: You choose the specialist and the hospital. You can schedule appointments and treatments around your business commitments, minimising disruption.
  • Advanced Mental Health Pathways: Most modern PMI policies offer comprehensive mental health support. This isn't just a few counselling sessions. It can include:
    • Fast access to psychiatrists and psychologists.
    • In-patient and day-patient psychiatric treatment.
    • Access to a wide network of therapists and cognitive behavioural therapy (CBT).
  • 24/7 Digital GP Services: Speak to a GP via video call anytime, anywhere. Get a diagnosis, prescription, or referral without leaving your desk, saving valuable time.
  • Proactive Wellness and Prevention: The best PMI providers now include wellness programmes, health screenings, gym discounts, and nutritional advice. They help you stay healthy, not just treat you when you're ill. This is the essence of a proactive shield.

Think of PMI as a fast-track pass for your health. When your business depends on you being present and performing at your peak, you cannot afford to be in a queue.

Beyond PMI: Introducing Limited Company Income Protection (LCIIP)

While PMI covers the cost of your treatment, what about your income and the business's finances while you're recovering? This is where Limited Company Income Protection (LCIIP) becomes the second, crucial part of your shield.

LCIIP, also known as Executive Income Protection, is a policy paid for by your limited company. If you are unable to work due to illness or injury (including stress-related conditions), the policy pays a regular income replacement.

How LCIIP is a Game-Changer:

  • Protects Cash Flow: The benefit is paid directly to the business. The company can then use this money to continue paying your salary, hire a temporary replacement, or cover business overheads.
  • Tax Efficiency: The premiums are typically considered an allowable business expense by HMRC, making it a highly tax-efficient way to protect your income.
  • Peace of Mind: Knowing that your personal bills are covered and the business has financial support allows you to focus 100% on your recovery, without the stress of financial ruin.

PMI vs. LCIIP: A Simple Comparison

FeaturePrivate Medical Insurance (PMI)Limited Company Income Protection (LCIIP)
PurposePays for the cost of private medical treatmentProvides a replacement income if you can't work
Benefit PaidDirectly to the hospital/specialistA monthly income, paid to the business
Key AdvantageSpeed of access, choice of care, bypassing NHS listsProtects personal & business finances during absence
Best ForGetting you diagnosed and treated quicklyEnsuring financial stability during recovery

For complete protection, a business leader needs both. PMI gets you well, and LCIIP keeps the lights on while it happens. An expert PMI broker like WeCovr can help you explore packages that bundle these protections together.

Crafting Your Executive Wellness Strategy: A Practical Guide

Insurance is your safety net, but the best strategy is to avoid falling in the first place. Building resilience is key.

1. Protect Your Mind

  • Set Digital Boundaries: Implement a "no-email" rule after 7 pm. Turn off work notifications on your phone during evenings and weekends.
  • Schedule "Thinking Time": Block out 30-60 minutes in your diary each day for strategic thinking, not reactive tasks. Protect this time fiercely.
  • Practice Mindfulness: Even 10 minutes of daily meditation or deep breathing can dramatically lower stress levels and improve focus.

2. Fuel Your Body

  • Prioritise Sleep: Aim for 7-8 hours of quality sleep per night. It is the single most effective performance-enhancing activity available.
  • Nutrient-Dense Diet: You wouldn't put cheap fuel in a performance car. Your body is no different. Focus on whole foods and proper hydration. As a WeCovr client, you get complimentary access to our AI-powered nutrition app, CalorieHero, to help you track your intake effortlessly.
  • Move Every Day: It doesn't have to be a marathon. A brisk 30-minute walk at lunchtime can boost creativity and reduce stress.

3. Fortify Your Business

  • Learn to Delegate: You are a leader, not a doer. Empower your team to take ownership. If you can't take a two-week holiday without the business falling apart, you have a problem.
  • Build a Support Network: Cultivate relationships with other business owners or join a peer advisory board. Having people who understand your challenges is invaluable.
  • Plan for Absence: Work with your leadership team to create a clear contingency plan for who takes over your responsibilities if you are unexpectedly absent.

4. Secure Your Finances

  • Non-Negotiable Insurance: Make PMI, LCIIP, and Key Person Insurance a standard part of your annual budget. It's not an expense; it's an investment in continuity.
  • Bundle and Save: When you purchase private health cover through WeCovr, ask about discounts on other essential policies like Life Insurance or Critical Illness Cover. We reward smart planning.

Choosing the Best PMI Provider for Your Business Needs

The UK private medical insurance market is complex. Providers like Bupa, AXA Health, Aviva, and Vitality all offer excellent products, but their features, hospital lists, and pricing structures vary significantly.

Key Factors to Consider:

FactorExplanationWhat to Look For
UnderwritingThe method used to assess your health risk. Moratorium is simpler (no forms, but excludes recent conditions for a set period). Full Medical Underwriting (FMU) requires a health questionnaire but offers more certainty on what's covered from day one.FMU is often better for business leaders who need absolute clarity.
Core CoverThe basic benefits included, typically in-patient and day-patient treatment.Ensure it includes comprehensive cancer cover as standard.
Optional Add-OnsExtra benefits like out-patient cover (for diagnostics/consultations), mental health, dental, and optical.Mental health cover and out-patient cover are essential add-ons for any executive policy.
Hospital ListThe network of private hospitals you can use. Cheaper policies may have a more restricted list.Ensure your local high-quality private hospitals are included.
ExcessThe amount you agree to pay towards any claim. A higher excess lowers your premium.Choose an excess you can comfortably afford, e.g., £250 or £500.

Navigating these options alone is time-consuming and risky. This is why using an independent, FCA-authorised broker like WeCovr is the smartest move. We compare the market on your behalf, explain the jargon, and find a policy tailored to your specific needs and budget—all at no cost to you. Our high customer satisfaction ratings are a testament to our expert, client-focused approach.


Is private medical insurance worth it for a small business owner?

Absolutely. For a small business owner, your health is arguably the company's most valuable asset. The cost of a PMI policy is tiny compared to the potential cost of lost business, stalled growth, and personal income loss if you face a long wait for NHS treatment. It provides the speed and flexibility needed to get you back to work quickly, making it a critical business continuity tool.

Does PMI cover stress or burnout directly?

This is a key point of clarification. PMI does not cover "burnout" or "stress" as diagnoses themselves. Instead, it covers the recognised, **acute medical conditions** that are often caused by chronic stress and burnout. This includes conditions like anxiety disorders, depression, and physical illnesses that may arise. A comprehensive policy with mental health cover is designed to give you rapid access to the psychiatrists and therapists needed to treat these resulting conditions effectively.

Can I get PMI if I have a pre-existing condition?

Generally, standard private medical insurance in the UK is designed to cover new, acute conditions that arise after your policy starts. Pre-existing conditions (any disease, illness, or injury for which you have had symptoms, medication, or advice in the years before your cover began) are typically excluded. The same applies to chronic conditions (long-term illnesses requiring ongoing management). However, an expert broker can help you navigate the options and find the most suitable cover for your circumstances.

What is the difference between personal and business private health cover?

Functionally, the cover is very similar. The main difference is who pays the premium and the potential tax implications. A personal policy is paid for by an individual from their post-tax income. A business policy is paid for by the company and is often an allowable business expense. However, it can be treated as a 'benefit in kind' for the employee/director, meaning they may have to pay some income tax on the value of the premium. A group scheme for two or more employees can often be more cost-effective than individual policies.

The risk is clear, the cost is catastrophic, and the solution is within reach. Don't wait for a health crisis to become a business crisis. Protect yourself, your wealth, and the future of your enterprise.

Take the first step today. Contact WeCovr for a free, no-obligation quote and let our experts build your personalised shield against the burnout crisis.

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