WeCovr.

Login

UK Business Mental Health Crisis

UK Business Mental Health Crisis 2025 | Top Insurance Guides

As FCA-authorised experts who have helped arrange over 800,000 policies, WeCovr provides specialist guidance on private medical insurance in the UK. This article explores the growing mental health crisis facing business owners and how the right protection can offer a crucial lifeline for you and your enterprise.

Shocking New Data Reveals Over 7 in 10 UK Business Owners & Self-Employed Battle Silent Mental Health Crisis, Fueling a Staggering £4.5 Million+ Lifetime Burden of Business Failure, Lost Income, & Eroding Personal Wealth – Is Your PMI & LCIIP Shield Protecting Your Business & Future Prosperity

The entrepreneurial spirit that drives the UK economy is under unprecedented strain. The dream of being your own boss—of building something from the ground up—is increasingly being overshadowed by a silent, debilitating crisis. New 2025 data from the Federation of Small Businesses (FSB) paints a stark picture: an estimated 72% of UK SME owners and self-employed individuals report experiencing symptoms of poor mental health, including burnout, anxiety, and depression.

This isn't just a personal struggle; it's an economic catastrophe in the making. When a business owner's mental health falters, the business itself is at risk. The cumulative impact—what we term the 'Lifetime Burden'—is a staggering £4.5 million per affected individual, a figure encompassing business failure, lost future income, and the draining of personal wealth.

In this guide, we'll unpack these shocking statistics, explore why entrepreneurs are uniquely vulnerable, and explain how vital financial shields like Private Medical Insurance (PMI) and Limited Company Income Protection (LCIIP) can be the difference between collapse and recovery.

The £4.5 Million Lifetime Burden: Deconstructing the Cost of a Crisis

The £4.5 million figure isn't hyperbole. It's a calculated estimate based on 2025 economic modelling, reflecting the long-term financial devastation that follows when a business owner's mental health crisis leads to business failure.

It’s a financial shockwave that impacts every aspect of your life. Let's break down how this cost accumulates over a lifetime.

Financial Impact AreaEstimated Lifetime CostHow This Affects You Directly
Lost Business Value£1.2 millionThe complete loss of your company's value, including its assets, customer base, and future profit potential.
Lost Personal Income£1.8 millionThe projected earnings you'll miss out on over your career due to business failure and subsequent underemployment.
Depleted Personal Wealth£750,000Personal savings, investments, and pension funds are often drained to prop up a failing business or cover living costs.
Direct Health Costs£250,000The potential cost of private therapies, psychiatric consultations, and treatments not readily available on the NHS.
Wider Economic Impact£500,000A societal cost reflecting lost tax revenue, the cost of employee redundancies, and reduced economic activity.

This isn't just about losing a business; it's about losing your financial security, your retirement plans, and your ability to provide for your family. It highlights a critical vulnerability: your personal wellbeing is your business's most valuable—and most fragile—asset.

The Perfect Storm: Why Are UK Entrepreneurs So Vulnerable?

Running a business in the UK has always been challenging, but modern pressures have created a perfect storm for poor mental health. Entrepreneurs are not superhuman; they are uniquely exposed to a range of stressors that most employees never face.

  • Financial Instability: The constant worry about cash flow, making payroll, and paying taxes. Unlike a salaried employee, income is never guaranteed.
  • Crushing Responsibility: The weight of being responsible for your employees' livelihoods can be immense. Their mortgages and family welfare can feel like they rest on your shoulders.
  • Pervasive Isolation: Many entrepreneurs, especially sole traders, work alone. This lack of camaraderie and peer support, which is common in a traditional office, can lead to profound loneliness.
  • The "Always-On" Culture: Technology has blurred the lines between work and life. The pressure to be available 24/7—replying to emails at 10 pm, taking calls on a Sunday—leads directly to burnout.
  • Fear of Failure: In our culture, business failure is often seen as a personal failing, leading to feelings of shame and an unwillingness to admit when you're struggling.

A 2025 ONS survey highlighted that self-employed workers are 40% more likely to work over 48 hours a week and twice as likely to report feelings of isolation compared to their employed counterparts. This relentless pressure cooker environment is simply unsustainable without the right support systems in place.

The NHS Safety Net: Stretched to Its Limits

The NHS is a national treasure, but it is no secret that its mental health services are under enormous pressure. For a business owner in crisis, time is a luxury they don't have. Waiting weeks or even months for help can be catastrophic for their business.

Current NHS Realities (2025 Data):

  • Talking Therapies Waiting Times: The latest NHS England data shows that while many people are seen within 6 weeks for an initial assessment for services like CBT, the wait for a second, more intensive round of therapy can stretch to 18 weeks or more in some regions.
  • CAMHS & Adult Psychiatry: Accessing specialist psychiatric assessment and care faces even longer delays, often exceeding 6 months.
  • High Threshold for Care: To qualify for secondary mental health services, a patient's condition often needs to be severe or complex. Many business owners suffering from 'moderate' but debilitating anxiety or burnout may not meet the threshold for immediate specialist help.

When your business's survival depends on your ability to function, waiting four months for therapy isn't a viable option. This is where private health cover becomes an essential business tool, not a luxury.

Private Medical Insurance (PMI): Your Fast-Track to Mental Health Recovery

Private Medical Insurance (PMI) is a health insurance policy that gives you fast access to high-quality private medical care and diagnosis for acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and return you to your previous state of health.

Crucial Point: It's vital to understand that standard private medical insurance in the UK is not designed to cover chronic or pre-existing conditions. A chronic condition is one that is long-lasting and cannot be conventionally cured (e.g., Type 1 diabetes, Crohn's disease). Similarly, mental health issues you have received treatment, medication, or advice for in the years before taking out a policy will likely be excluded as pre-existing.

However, for a new mental health issue that arises after your policy starts—like stress, anxiety, or depression brought on by business pressures—PMI can be a lifeline.

How PMI Supports Your Mental Wellbeing

Leading PMI providers now offer comprehensive mental health support as a core part of their plans. Here’s what you can typically expect:

  1. Rapid Access to Talking Therapies: Bypass NHS waiting lists and speak to a qualified therapist, counsellor, or psychologist within days, not months. This often includes access to Cognitive Behavioural Therapy (CBT), which is highly effective for anxiety and depression.
  2. Specialist Consultations: Get a prompt referral to a private psychiatrist for assessment, diagnosis, and a treatment plan if needed.
  3. Digital Health Hubs: Most insurers provide access to a wealth of digital tools, including 24/7 remote GP services, mental health apps for mindfulness and meditation, and confidential helplines staffed by trained counsellors.
  4. In-patient and Day-patient Care: For more severe conditions, comprehensive policies will cover the costs of treatment at a private psychiatric hospital.

An expert PMI broker like WeCovr can help you compare the mental health pathways offered by different insurers, ensuring you get the cover that best suits the unique pressures of being a business owner. We help you find the best PMI provider for your needs at no extra cost to you.

Comparing Mental Health Cover in PMI Plans

Not all PMI policies are created equal, especially when it comes to mental health. Cover is often tiered.

Level of CoverTypical Mental Health BenefitsBest For...
Basic / Entry-Level- Limited outpatient therapy sessions (e.g., up to £500).
- Access to digital mental health apps and helplines.		Business owners on a tight budget seeking a foundational level of support.
Mid-Range- Full cover for outpatient therapies.
- Limited in-patient/day-patient cover (e.g., up to 28 days).		The majority of entrepreneurs who want a robust safety net for common mental health issues.
Comprehensive- Full cover for outpatient therapies and specialist consultations.
- Extensive or unlimited in-patient/day-patient care.		Business owners seeking the highest level of assurance, covering a wide spectrum of potential mental health needs.

Beyond PMI: Creating a Complete Financial Shield

While PMI is crucial for getting you well, other types of insurance are designed to protect your income and your business while you recover.

Limited Company Income Protection (LCIIP)

This is one of the most vital policies for a company director. If you are unable to work due to illness or injury (including mental ill-health), an LCIIP policy pays a regular monthly income.

  • How it works: The policy is owned and paid for by your limited company as a legitimate business expense.
  • The Payout: The benefit is paid directly to your business, which can then continue to pay you a salary and cover business overheads.
  • The Benefit: It prevents you from having to drain your personal savings or shut down the business while you focus on recovery.

Standard Income Protection (for Sole Traders)

If you're a sole trader, a personal Income Protection policy serves the same purpose, paying a tax-free monthly income directly to you if you can't work due to sickness.

Key Person Insurance

What if your business relies heavily on one or two key individuals (including yourself)? Key Person Insurance pays a lump sum to the business if a key employee becomes critically ill or passes away. This cash injection can be used to cover lost profits, recruit a replacement, or manage debt during a difficult transition period.

At WeCovr, our expertise extends across the full suite of business protection. We can help you build a holistic plan, and clients who take out PMI or Life Insurance with us often benefit from discounts on other types of cover.

Your First Line of Defence: Proactive Steps to Protect Your Mental Health

Insurance is your safety net, but proactive self-care is your first and best line of defence. Building resilience is key to navigating the choppy waters of entrepreneurship.

1. Prioritise Your Physical Health

Mental and physical health are inextricably linked.

  • Nutrition: Avoid relying on caffeine and sugary snacks. Focus on a balanced diet rich in whole foods, fruits, and vegetables. As a WeCovr client, you get complimentary access to our AI-powered nutrition app, CalorieHero, to help you track your diet and make healthier choices.
  • Sleep: Aim for 7-9 hours of quality sleep per night. Establish a routine, avoid screens before bed, and create a restful environment. The ONS reports that adults who consistently sleep less than 6 hours a night have a significantly higher risk of burnout.
  • Movement: Incorporate at least 30 minutes of moderate exercise into your day. A brisk walk at lunchtime can clear your head and boost endorphins.

2. Set Unbreakable Boundaries

  • Define Your Workday: Set clear start and end times. When the day is over, shut down your laptop and notifications.
  • Schedule "No-Work" Time: Block out time in your diary for family, hobbies, and relaxation. Treat these appointments with the same importance as a client meeting.
  • Take Proper Breaks: A 2025 study from the University of Oxford found that regular short breaks throughout the day increased productivity and reduced mental fatigue by over 30%.

3. Build Your Support Network

  • Connect with Peers: Join industry groups or local business networks. Sharing challenges with others who understand can be incredibly validating.
  • Delegate and Trust: You don't have to do everything yourself. Empower your team and learn to delegate tasks.
  • Talk to Someone: Don't wait for a crisis. Talk to your partner, a friend, or a professional. Normalising conversations about stress is a sign of strength, not weakness.

Anonymised Example: Sarah's Story

Sarah, a 45-year-old owner of a successful marketing agency in Manchester, started experiencing severe anxiety and panic attacks. The pressure of winning new business and managing her team became overwhelming. Her NHS GP advised there was a 16-week wait for CBT.

Fortunately, Sarah had a comprehensive private medical insurance policy. Through her insurer's mental health pathway, she had a virtual consultation with a therapist within three days. She began a course of CBT the following week. The policy covered 12 sessions, which gave her the tools to manage her anxiety. She was able to stay in control of her business and is now thriving. Without her PMI, she admits the business would likely have folded.

How to Choose the Right Private Health Cover for You

Navigating the private medical insurance UK market can be complex. Here's what to consider:

  1. Level of Outpatient Cover: This is key for mental health. Decide if you want a set number of therapy sessions or a full-cover option.
  2. The Excess: This is the amount you pay towards a claim. A higher excess will lower your monthly premium, but make sure it's an amount you can comfortably afford.
  3. Hospital List: Insurers have different lists of approved hospitals. Check that convenient, high-quality facilities are included in your list.
  4. Underwriting Method: Choose between 'Moratorium' (which automatically excludes recent pre-existing conditions for a set period) and 'Full Medical Underwriting' (where you declare your full medical history upfront).

The best way to make the right choice is to speak to an independent PMI broker. An expert adviser at WeCovr can compare the market for you, explain the small print, and tailor a policy to your specific needs and budget, all at no cost to you. Our high customer satisfaction ratings reflect our commitment to finding the best possible outcomes for our clients.

Will my private medical insurance cover a mental health condition I've had before?

Generally, no. Standard UK private medical insurance (PMI) is designed to cover acute conditions that arise *after* your policy begins. Mental health issues for which you have sought advice, medication, or treatment in the 5 years before taking out the policy are typically considered pre-existing and will be excluded from cover. However, a new episode of a condition you had long ago may be covered, depending on the insurer's specific terms.

Is private health cover for my mental health expensive for a business owner?

The cost of private health cover varies depending on your age, location, the level of cover you choose, and your excess. A basic policy with good outpatient mental health support can be surprisingly affordable. When you consider the potential £4.5 million lifetime cost of unmanaged mental ill-health leading to business failure, a monthly PMI premium can be seen as an essential business investment, not a cost. A broker can help find a plan that fits your budget.

What is the main benefit of PMI for mental health compared to the NHS?

The single biggest benefit is speed of access. With the NHS, you could wait many weeks or months for talking therapies like CBT. With private medical insurance, you can often speak to a therapist or get a specialist referral within days. For a business owner whose ability to function is critical to their company's survival, this rapid intervention can be the difference between a swift recovery and a prolonged crisis.

Can I put my private medical insurance through my limited company?

Yes, you can arrange a business health insurance policy, which is paid for by your limited company and is generally considered an allowable business expense. However, it's important to note that this is usually treated as a P11D benefit-in-kind for the employee (including directors), meaning you may have to pay some additional income tax. It's best to discuss the tax implications with your accountant.

Your mental health is your most critical business asset. Don't leave its protection to chance.

Take the first step towards securing your health and your business's future. Contact WeCovr today for a free, no-obligation quote and expert advice from our friendly team.

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