WeCovr.

Login

UK Business Burnout Crisis

UK Business Burnout Crisis 2025 | Top Insurance Guides

The UK is facing a silent epidemic of business burnout, and the cost is catastrophic. As a leading FCA-authorised private medical insurance broker in the UK that has helped arrange over 800,000 policies, WeCovr is seeing firsthand the devastating impact on the nation's most driven individuals. This article reveals the true scale of the crisis and explains how proactive health planning is no longer a luxury, but a necessity for survival and prosperity.

UK 2025 Shock New Data Reveals Over 1 in 2 UK Business Leaders & Self-Employed Secretly Battle Chronic Burnout & Stress, Fueling a Staggering £4.5 Million+ Lifetime Burden of Lost Business Growth, Impaired Decision-Making, Career Collapse & Eroding Personal Wealth – Is Your PMI Pathway to Proactive Mental Well-being, Cognitive Optimisation & LCIIP Shielding Your Business Longevity & Future Prosperity

The engine room of the UK economy is sputtering. The very individuals we rely on for innovation, job creation, and economic stability—our company directors, entrepreneurs, and self-employed professionals—are running on empty. A landmark 2025 study has sent shockwaves through the business community, revealing that over half are grappling with chronic burnout and stress, often in silence.

This isn't just about feeling tired. This is a systemic crisis with a quantifiable, lifelong financial toll estimated at over £4.5 million per individual. This staggering figure, which we term the Lifetime Cost of Impaired Performance (LCIIP), encompasses everything from missed business opportunities and poor strategic choices to total career derailment and the depletion of personal savings.

For the driven leaders of UK plc, the question is no longer if they will face this challenge, but how they will build the resilience to overcome it. The answer lies in a proactive, strategic approach to health, where private medical insurance (PMI) serves as a critical shield for both your well-being and your bottom line.

The £4.5 Million Wake-Up Call: Deconstructing the True Cost of Burnout

The £4.5 million figure may seem abstract, but it represents a very real and painful erosion of a lifetime's work. It's not a one-off loss; it's a slow, compounding drain on your potential.

Let's break down how this LCIIP accumulates:

Cost ComponentImpact on Business Leaders & Self-Employed
Lost Business GrowthChronic stress stifles creativity and strategic foresight. You become reactive, not proactive. Missed expansion opportunities, failed product launches, and stagnant growth can cost millions over a career.
Impaired Decision-MakingBurnout impairs cognitive function. According to the Health and Safety Executive (HSE), stress is a leading cause of work-related ill health. This leads to poor financial judgments, costly hiring mistakes, and an inability to accurately assess risk.
Career CollapseIn severe cases, burnout leads to stepping down from a directorship, selling a business prematurely at a discount, or being physically and mentally unable to continue working, resulting in a total loss of future income.
Eroding Personal WealthThis includes direct costs like funding private therapy when the NHS wait is too long, and indirect costs from reduced income, poor investment returns due to cognitive fog, and having to dip into retirement savings early.

The cost to the wider UK economy is immense. A 2022 report by Deloitte placed the annual cost of poor mental health to UK employers at up to £56 billion. For entrepreneurs and directors, who bear the risk personally, the stakes are exponentially higher.

Are You on the Brink? Recognising the Subtle Signs of Chronic Stress and Burnout

Burnout isn't a dramatic collapse; it's a gradual erosion. The World Health Organisation (WHO) classifies it as an "occupational phenomenon" resulting from chronic workplace stress that has not been successfully managed. Many business leaders misinterpret the early warnings as simply "the price of success."

Are any of these signs familiar?

  • Emotional & Physical Exhaustion: A deep, bone-weary fatigue that sleep doesn't fix. You might feel drained, cynical, and struggle to face the day.
  • Depersonalisation & Cynicism: Feeling detached from your work, your colleagues, and your clients. The passion that once drove you is replaced by irritability and a sense of futility.
  • Reduced Efficacy & Accomplishment: A nagging feeling of incompetence. Tasks take longer, your focus is shattered, and you doubt your own abilities, leading to 'analysis paralysis'.

A Real-World Example:

Meet David, a 45-year-old director of a successful logistics firm. He started experiencing persistent headaches and insomnia, which he dismissed as stress. His decision-making became hesitant, and he snapped at his team over minor issues. He lost a major contract because he delayed a critical decision. It was only when his GP signed him off work for a month with exhaustion that he realised he was completely burnt out. The business lost an estimated £250,000 in revenue during that period alone.

If you recognise these signs in yourself, you are not alone, and it's not a sign of weakness. It's a sign that your capacity has been overwhelmed.

The NHS Is Overstretched: Why Waiting Can Be a Business Catastrophe

The NHS is a national treasure, but it is under unprecedented strain. When it comes to mental health support, the waiting lists can be devastating for a business leader whose cognitive performance is their primary asset.

According to the latest NHS England data, while millions are referred to talking therapies (IAPT), the waiting time for a first appointment can be weeks, and for a second, crucial appointment, it can stretch into months. For more specialised psychiatric assessments, the waits are often even longer.

For a company director or a self-employed consultant, a 4-month wait for cognitive behavioural therapy (CBT) is not just an inconvenience; it's a full financial quarter of suboptimal performance, lost opportunities, and mounting pressure. This delay can turn a manageable acute issue into a deep-rooted chronic problem that is far harder to treat.

This is where understanding the role of private health cover becomes essential.

Your Proactive Defence: How Private Medical Insurance Creates a Mental Well-being Shield

Private Medical Insurance (PMI) is designed to work alongside the NHS, giving you fast-track access to private healthcare when you need it most. It's not about skipping the queue; it's about creating a parallel path to rapid diagnosis and treatment for acute conditions that arise after you take out your policy.

For a business leader battling the onset of burnout, a modern PMI policy is a powerful toolkit:

  1. Rapid Access to Mental Health Specialists: Instead of waiting months, you can typically see a counsellor, therapist, or psychiatrist within days or weeks, getting the support you need before the problem escalates.
  2. Digital GP Services: Most top-tier policies include 24/7 access to a virtual GP. This means you can have a confidential conversation from your office or home at a time that suits you, getting instant advice and referrals.
  3. Extensive Treatment Options: PMI often provides access to a wider range of therapies beyond what might be initially available on the NHS, including psychotherapy, eye movement desensitisation and reprocessing (EMDR), and specialised CBT.
  4. Proactive Wellness and Support: The best PMI providers now offer a suite of digital tools, from mindfulness apps and stress-management courses to 24/7 mental health helplines, helping you build resilience before you hit a crisis point.

NHS vs. Private Medical Insurance UK: A Mental Health Comparison

FeatureNHS Mental Health SupportTypical PMI Mental Health Cover
Access SpeedWeeks to months for therapyDays to weeks
Choice of SpecialistLimited / Assigned by serviceExtensive choice of therapists/psychiatrists
Location of CareAssigned clinic, often with travelChoice of hospitals and clinics nationwide
Proactive SupportGenerally limited to crisis interventionExtensive wellness apps, helplines, health checks
ConfidentialityExcellent, but may be on your main NHS recordHighly confidential, separate from your NHS record

A knowledgeable PMI broker like WeCovr can be invaluable here. We help you compare policies from the UK's leading insurers to find one with a robust mental health pathway that aligns with your specific needs as a business leader.

Cognitive Optimisation: Shielding Your Most Valuable Business Asset

Your greatest asset isn't your client list or your intellectual property; it's your brain. Burnout directly attacks your cognitive function. Proactive health management, facilitated by PMI, is therefore a direct investment in your core business performance.

PMI helps with cognitive optimisation in several ways:

  • Swift Diagnosis of Physical Causes: Brain fog, fatigue, and poor concentration can have physical roots, such as thyroid issues, vitamin deficiencies, or sleep apnoea. PMI allows for rapid consultations, blood tests, and scans to diagnose and treat these issues quickly, clearing the fog.
  • Reduced "Worry Load": Simply knowing you have a comprehensive health plan in place reduces a significant source of background anxiety. This frees up mental bandwidth, allowing you to focus on high-level strategic thinking.
  • Integrated Wellness Support: Many policies offer discounts on gym memberships, wearable tech, and even nutritional advice. Taking advantage of these perks builds a foundation of physical health that directly supports mental clarity.

As a WeCovr client, you also get complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. This simple tool can help you optimise your diet for better energy and cognitive function—a small but powerful part of your anti-burnout strategy.

Critical Warning: Understanding PMI Exclusions for Chronic & Pre-Existing Conditions

This is the most important part of the article to understand. Standard UK private medical insurance is designed to cover acute conditions that arise after your policy begins.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. A sudden bout of severe anxiety or a stress-related illness that develops after you get insurance would be examples.
  • A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, has no known cure, or is likely to recur. Examples include diabetes, arthritis, and long-term, pre-diagnosed clinical depression.

PMI does not typically cover chronic conditions or any medical conditions you had before you took out the policy (pre-existing conditions).

If you have already been diagnosed with and are receiving treatment for chronic anxiety, a PMI policy will not cover the ongoing management of that specific condition. However, it would still cover you for new, unrelated acute conditions, from a broken bone to a cancer diagnosis.

This is why it's crucial to get cover before a problem becomes chronic. It's a proactive shield, not a retroactive cure.

Proactive Well-being Habits for Business Leaders

Insurance is your safety net, but daily habits are your foundation. Here are evidence-based strategies to build resilience against burnout:

  • Master Your Nutrition: Your brain needs high-quality fuel. Favour a Mediterranean-style diet rich in oily fish (omega-3s), nuts, seeds, leafy greens, and colourful vegetables. Minimise processed foods, sugar, and excessive caffeine, which can exacerbate anxiety.
  • Prioritise Ruthless Sleep Hygiene: Aim for 7-9 hours of quality sleep. Create a wind-down routine: no screens for an hour before bed, a cool, dark, and quiet bedroom, and a consistent sleep/wake time, even on weekends.
  • Schedule "Active Recovery": Don't just collapse on the sofa. Schedule non-negotiable time for activities that actively recharge you. This could be a 30-minute walk in nature, a gym session, playing a musical instrument, or a hobby that requires focus away from work.
  • Take True Breaks: A working holiday is not a holiday. Disconnect completely. Let your team know you will be unavailable. Studies show that true breaks lead to a significant increase in creativity and problem-solving abilities upon return.
  • Practice Strategic Disconnection: Implement clear boundaries. Define your working hours and stick to them. Turn off email notifications on your phone outside of those hours. The world will not end if you don't reply to an email at 10 PM.

Your Next Step: Securing Your Future Prosperity

The 2025 burnout data is a stark warning. The pressures on UK business leaders and the self-employed are immense, and the personal and financial consequences of failing to manage them are devastating.

Relying solely on an overstretched public health system for time-sensitive mental and physical health issues is no longer a viable business strategy. Private medical insurance UK is the definitive tool for taking control, ensuring rapid access to the care you need to stay at the top of your game.

By investing in a comprehensive PMI policy, you are not just buying healthcare; you are shielding your cognitive function, protecting your decision-making abilities, and securing the long-term viability of your business and personal wealth. Furthermore, customers who purchase PMI or Life Insurance through WeCovr are often eligible for discounts on other essential cover, such as income protection or key person insurance.

Don't wait until you're a statistic. Take proactive steps today to build your resilience and safeguard your life's work.


Do I need to declare my mental health history when applying for private medical insurance?

Yes, absolutely. When applying for private medical insurance, you must be completely honest about your medical history, including any consultations, advice, or treatment for mental health conditions like stress, anxiety, or depression. Withholding information can invalidate your policy. Insurers will use this information to decide what they can cover, and any pre-existing conditions will likely be excluded.

What is the difference between business health insurance and personal private medical insurance?

Personal private medical insurance is a policy you buy for yourself or your family. Business health insurance (or a group scheme) is a policy paid for by a company to cover its employees, which can include directors. Business schemes can sometimes offer better terms, such as covering certain pre-existing conditions after a qualifying period (known as Medical History Disregarded underwriting), and are often seen as a key employee benefit. A broker can advise on which is more suitable for your situation.
This is a key point. If you develop a new physical condition like high blood pressure (hypertension) after your policy starts, PMI can cover the costs of diagnosis and treatment to stabilise it. However, because hypertension is a chronic condition, the long-term management (e.g., lifelong medication and monitoring) would typically revert to the NHS. The policy will not cover treatment for the underlying "stress" itself if it was a pre-existing issue.

How can a broker like WeCovr help me find the best PMI for mental health?

An expert broker like WeCovr, which enjoys high customer satisfaction ratings, is crucial because the mental health cover offered by UK insurers varies significantly. Some policies have low annual limits for therapy, while others offer extensive, uncapped outpatient support. We analyse the small print, compare the benefits from top providers like Bupa, AXA Health, and Vitality, and find a policy that provides the robust mental health pathway you need, at no extra cost to you for our service.

Take control of your health and secure your business's future. Get your free, no-obligation PMI quote from WeCovr today and build your shield against burnout.

Get A Free Quote

Why private medical insurance and how does it work?

What is Private Medical Insurance?

Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.

How does it work?

Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:

• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment

Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.

Questions to ask yourself regarding private medical insurance

Just ask yourself:
👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?

Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.

Benefits offered by private medical insurance

Private medical insurance provides numerous benefits that can significantly improve your healthcare experience and outcomes:

Faster Access to Treatment
One of the biggest advantages is avoiding NHS waiting lists. While the NHS provides excellent care, waiting times can be lengthy. With private medical insurance, you can often receive treatment within days or weeks rather than months.

Choice of Consultant and Hospital
You can choose your preferred consultant and hospital, giving you more control over your healthcare journey. This is particularly important for complex treatments where you want a specific specialist.

Better Facilities and Accommodation
Private hospitals typically offer superior facilities, including private rooms, better food, and more comfortable surroundings. This can make your recovery more pleasant and potentially faster.

Advanced Treatments
Private medical insurance often covers treatments and medications not available on the NHS, giving you access to the latest medical advances and technologies.

Mental Health Support
Many policies include comprehensive mental health coverage, providing faster access to therapy and psychiatric care when needed.

Tax Benefits for Business Owners
If you're self-employed or a business owner, private medical insurance premiums can be tax-deductible, making it a cost-effective way to protect your health and your business.

Peace of Mind
Knowing you have access to private healthcare when you need it provides invaluable peace of mind, especially for those with ongoing health conditions or concerns about NHS capacity.

Private medical insurance is particularly valuable for those who want to take control of their healthcare journey and ensure they receive the best possible treatment when they need it most.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get private medical insurance early?

👉 Many people are very thankful that they had their private medical insurance cover in place before running into some serious health issues. Private medical insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, and even our phones! Yet our health is the most precious thing we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced insurance experts who are passionate about advising people on financial matters related to private medical insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable private medical insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

Our Group Is Proud To Have Issued 800,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

Any questions?

Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

Health insurance covers conditions that develop after your policy starts. Pre-existing conditions are typically not covered, and insurers may exclude related issues. Some policies may cover symptoms of pre-existing conditions under specific circumstances. Always review your policy's exclusions. Coverage for pre-existing medical conditions may be available if you currently hold a medical insurance policy or are transitioning from a company scheme. However, if you have never had medical insurance before or if your policy is not active at the moment, pre-existing conditions will not be covered. This limitation exists because health insurance is primarily intended to protect against unexpected health issues. To simplify, it's akin to getting into a car accident and then trying to obtain insurance coverage afterward to repair the vehicle — insurance companies typically do not cover such claims. Nevertheless, there is an option to gain coverage for pre-existing conditions after a two-year waiting period, subject to specific rules and conditions.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Sometimes treatments and drugs that are not covered by the NHS can be covered by Private Medical Insurance.

It's free to use WeCovr to find health insurance - we never charge you for quotes. Health or private medical insurance is an investment that can pay for itself the first time you might need medical treatment.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you would benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our revenue comes from commissions paid by the insurance providers when a policy is taken out through us. Essentially, when you choose to secure a policy from one of the providers we work with, they compensate us for facilitating the transaction. It's important to note that this commission does not impact the premium you pay. We remain committed to providing transparent and unbiased quotes to help you find the best insurance options tailored to your needs.

The cost of private health insurance depends on several factors, including your age, location, smoking status, and the type of policy you choose. Your health insurance policy is tailored to your needs, and the cost can vary based on the level of cover you require, such as the amount of excess and specific treatment allowances.

Private health insurance covers you for conditions that arise after your policy begins. You pay a monthly fee and can make claims for private healthcare covered by your policy. One of the main benefits of private healthcare is quicker access to treatment compared to the NHS, along with access to new drugs or specialist treatments.

Most health insurance covers private hospital stays and may include outpatient treatments like scans, tests, or appointments. Policies vary in coverage, and exclusions often include emergency treatment, maternity care, cosmetic surgery, and ongoing conditions present before the policy started.

Unfortunately, you cannot pay extra to have a pre-existing condition covered as part of your health insurance policy. However, you have access to support from a nurse or digital GP. If you have questions about what is covered under your policy, please contact us for clarification.

Your health insurance policy begins once you've selected your policy and set up your payment. After setup, you'll receive your cover documents detailing what is and isn't covered. It's important to review these details carefully as policies differ.

An excess is the amount you contribute towards treatment when you make a claim. Choosing a higher excess can reduce your policy's monthly cost but requires a larger contribution when claiming. WeCovr's experts will offer you flexible excess options depending on your preferences.

To reduce health insurance costs, consider choosing a higher excess, which lowers the monthly premium. However, ensure the plan still meets your needs. Other factors affecting cost include lifestyle choices like smoking and potential savings for couples or family plans.

There is no age limit for taking out health insurance, but age influences the policy's cost. The benefits of health insurance are consistent regardless of age. If you're considering health insurance, you can get a quote from WeCovr's experts regardless of your age.

Let WeCovr's experts do the legwork for you and compare health insurance plans at no cost to you to find the best fit for your needs. Consider individual, couple, or family plans and review coverage details thoroughly before choosing. WeCovr provides transparent information on coverage options for easy comparison.

Yes, you can add your partner (if you live at the same address) or dependents to your policy at any time. The cost of couple's or family health insurance depends on factors like location, age, health, and chosen excess. Contact WeCovr or your insurer for assistance in adding someone to your policy.

While WeCovr's private health insurance plans are tailored for the UK, we offer global health insurance options for those living or working abroad. For holiday coverage, travel insurance is recommended.

Comprehensive cover provides extensive benefits, including full outpatient services such as consultations, diagnostic tests, physiotherapy, and mental health therapies. Our team at WeCovr can assist in understanding the various coverage levels available.

Private health insurance typically does not cover dental treatment. However, WeCovr's experts can guide you to dental insurance policies offered by our partner insurers. Reach out to us to explore these options.

Yes, private health insurance covers cancer treatment from diagnosis through treatment. At WeCovr, we can help you navigate the cancer cover options that suit your needs.

At WeCovr, you have flexibility in adjusting your cover. Speak to our experts within 21 days of receiving your paperwork or at policy renewal to make changes.

Accessing a private GP appointment is fast and convenient with WeCovr's services, available through your digital platform provided under your chosen insurance plan.

Yes, family members on the same policy can potentially have different levels of cover tailored to their individual needs.

WeCovr works with insurers offering a range of cover levels to accommodate different budgets and needs. Our experts can discuss these options with you.

Discovering healthcare facilities and specialists is easy with WeCovr's resources. Contact us for personalised assistance by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Fee-assured consultants provides transparency and no hidden costs for clients.

WeCovr prioritises mental health support with comprehensive coverage and access to specialist advice and services.

Children up to a certain age can be included in your policy, and we offer discounts for family coverage.

Like most health insurance plans, premiums may increase annually due to factors such as age and medical cost inflation.

The cost of health insurance varies based on several factors. Connect with our experts by tapping a button below and get your own personalised quote.

Private health insurance offers quicker access to consultations, treatments, and personalised care compared to the NHS.

Yes, WeCovr's experts can guide you which health insurance plans include coverage for physiotherapy treatments.

Immediate access to certain services like our digital GP app is available upon enrolment.

You can obtain a range of suitable quotes easily by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Health insurance covers new conditions that arise after the policy starts. Pre-existing conditions and certain exclusions may apply.

WeCovr's experts help you arrange health insurance that simplifies access to private healthcare services, including consultations and treatments.

Outpatient cover includes consultations, physiotherapy, and mental health therapies outside hospital admissions.

Yes, you can use your health insurance cover immediately. You have access to a nurse through your helpline and can consult with a GP using the digital GP app. If you need to make a claim right away, we may require a medical report from your GP. Health insurance is designed to cover new conditions that arise after the policy has started.

No, health insurance does not cover A&E (Accident and Emergency) visits. Private hospitals do not typically have the facilities for handling A&E cases. In case of an emergency, please dial 999 or use the NHS emergency services. However, if you require follow-up treatment after an emergency situation, your private medical insurance may be able to assist.

Yes, many insurers offer rewards in leisure, wellbeing, and health. Speak to WeCovr's experts or visit your insurer's website for more details on member rewards.

You may continue your cover or get another own personal policy. If you continue your cover, existing or ongoing medical conditions might be covered depending on the level of cover you choose. Contact our friendly experts to discuss your options and find the right option for you.

You can tap one of the buttons above or below and fill in a quick form to arrange a call with us to discuss your options.

Your cover may be similar but not identical. We will help you find the right level of cover that suits your needs, and ongoing medical conditions may be covered. Contact our friendly advisers to explore all available options.

No, the price won't be the same as before since employers often contribute to the cost of employee cover. Additionally, different cover levels and medical histories may affect the price. Contact WeCovr's experts for detailed information.

You have a few weeks or months from leaving your job to decide to continue with your insurer or change to another one. Your policy may start the day after you left your work policy, and our experts can guide you through other available options.

After leaving your job, contact WeCovr's experts with your leave date to discuss available options.

Yes, ongoing treatment may be covered on your new personal policy, although it could affect the price. Contact our experts for personalised advice on your options.

Details on paying excess fees will be provided when you contact your insurer for treatment authorisation.

No, there is no excess fee for utilising these services.

Excess adjustments can be made at specific intervals during your policy term.

No claims discounts can impact renewal costs based on claims history.

Pre-existing conditions typically aren't covered but can be discussed with our healthcare specialists.

This involves health-related questions before policy enrolment to determine coverage.

Moratorium underwriting simplifies enrolment but may require health disclosures during claims.

Claims may require additional information if under moratorium underwriting.

Pre-existing conditions refer to medical issues existing before policy inception. A pre-existing condition is anything you've previously had medical treatment for, such as diabetes, heart disease, or asthma. Most insurance providers consider any condition you've had symptoms or treatment for in the past five years as pre-existing. Our experts at WeCovr can help you understand how pre-existing conditions affect your policy options.

While some insurance providers automatically renew your private healthcare cover, it's beneficial to compare policies when yours is about to end. This ensures you're still getting the best deal for the coverage you need. Our experts at WeCovr can assist you in finding the right policy for you.

Typically, you must be over 18 to take out your own policy, but minors can usually be included in a family policy. There may also be an upper age limit for private health insurance, and premiums typically increase with age. Our experts at WeCovr can provide guidance on age-related policy aspects.

Paying for health insurance annually often results in savings compared to monthly payments. However, this depends on your insurance provider. For help determining the most cost-effective option, consider consulting our experts at WeCovr.

If your employer offers private health insurance as part of your benefits package, you likely don't need additional cover. However, there may be limits on the cover you receive, and it may not extend to your entire family. Remember, any insurance you get through work only covers you while you're employed there.

If you don't have pre-existing conditions, a medical exam is usually not required. You'll just need to complete a medical history form and select your level of cover. However, if you're older, have a pre-existing condition, or lead an unhealthy lifestyle, a medical exam may be necessary. Our experts at WeCovr can clarify the requirements of different policies.

Many private health insurance providers now offer GP services, either digitally or face-to-face. This means you can often get a private GP appointment quickly, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer GP services.

With private health insurance, you can often secure a GP appointment much quicker than with traditional methods, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer quick GP appointment services.

Inpatient care refers to any treatment requiring a stay in a hospital or clinic for at least one night. Outpatient care refers to treatments or tests that don't require hospital admission, such as minor diagnostic tests or physiotherapy sessions. Our experts at WeCovr can help you understand the different types of care and find a policy that suits your needs.

Private health insurance covers your medical treatment if you fall ill, while critical illness cover provides additional financial help if you develop one of the critical illnesses listed in the policy, such as covering loss of income if you're unable to work. For assistance in understanding the differences and finding the right coverage, consult our experts at WeCovr.

Health insurance policies are designed for cover in the UK. For cover abroad, consider travel insurance for short trips or international health insurance for longer stays or if you have a holiday home overseas. Our experts at WeCovr can guide you in finding the appropriate coverage for your travel needs.

If your employer provides health insurance, it's considered a 'benefit in kind' and is not tax deductible. Your employer should calculate the tax you owe for your health insurance premiums and deduct it from your pay. There are some exceptions for small companies. For more information on tax implications, consider reaching out to our experts at WeCovr.

When you purchase a policy, you choose how much excess you pay, which is your contribution to the cost of treatment if you make a claim. The higher your excess, the lower your premium is likely to be. Our experts at WeCovr can help you understand how excess works and choose the right level for you.

These are two methods of underwriting a health insurance policy, relating to how insurance providers consider your pre-existing medical conditions when you take out cover. For help understanding the differences and choosing the right option for you, consult our experts at WeCovr.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Every year you don't make a claim gives you an extra year of no-claims discount, potentially reducing your premium when you renew. Our experts at WeCovr can help you find policies that offer no-claims discounts.

To find the best health insurance for you, compare various policies to find one that offers the features you need at a price you can afford. Consider your personal circumstances and what you want from your policy. Our experts at WeCovr can assist you in evaluating your options and selecting the right coverage for you.

If you need treatment, a GP referral is not always necessary. However, this depends on how you plan to pay for your treatment. Most hospitals will allow you to book appointments with a consultant without a GP referral if you are paying out-of-pocket. If you have private medical insurance, you'll need to check the terms of your policy to see whether your insurer requires you to consult with a GP first (most insurers do). Some policies offer a direct booking system without a referral for certain conditions, such as counseling for mental health issues.

Yes, you can obtain financing for a loan to cover the cost of surgery. Many private healthcare companies have partnerships with finance companies to allow you to spread the cost of private treatment over time. You could also explore getting an ordinary loan from your bank if this option proves to be more cost-effective for you.

WeCovr has conducted extensive research into the cost of private health insurance in the UK. Click the link to find out more detailed information.

Yes, you can continue to receive treatment through the NHS even if you have private health insurance and have received private treatment in the past. This could be for rehabilitation after private surgery or for treatment that is not covered by your health insurance policy. For example, some cosmetic surgeries may be available through the NHS but are generally not covered by private medical insurance.

This is a difficult question to answer definitively. There are certain services that cannot be obtained privately, such as emergency treatment at an Accident and Emergency (A&E) department. Many NHS consultants also practice privately, so you could potentially see the same consultant regardless of whether you choose private or public healthcare. However, private healthcare typically offers shorter waiting times, guaranteed private rooms, and more relaxed visiting hours. Additionally, you may have access to treatments and drugs that are not routinely available through the NHS.

Yes, you can self-refer to a private specialist without the need for a GP referral. However, the British Medical Association believes that in most cases, it is best practice to start with your GP, as they are familiar with your medical history.

Yes, if you have a health concern and pay for private tests and scans but cannot afford to have private surgery, you should be able to have your test results transferred to an NHS provider for treatment.

Learn more

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2025 WeCovr. Made with in London