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UK Business Owners Your Health, Your Wealth

UK Business Owners Your Health, Your Wealth 2025

As an entrepreneur, you are the engine of your business. That’s why at WeCovr, we believe safeguarding your health is the most critical investment you can make. As FCA-authorised experts who have helped arrange over 800,000 policies, we’ve seen first-hand how strategic private medical insurance protects not just UK business owners, but their entire enterprise.

The Entrepreneurs Edge: How Strategic Private Medical Insurance and Proactive Wellness Interventions Safeguard Your Personal Longevity, Business Resilience, and Financial Future

For the driven founder, director, or sole trader, personal health is inextricably linked to business health. Your energy, clarity, and availability are the primary assets driving growth, innovation, and stability. When your health falters, the business feels the impact immediately. This is the founder's paradox: the very drive that builds a business can often lead to neglecting the one person who keeps it all running—you.

Strategic health planning isn't a luxury; it's a core business strategy. It involves two key components: securing rapid access to medical care when you need it and actively engaging in wellness to prevent illness in the first place. This powerful combination gives you an undeniable edge, ensuring you can lead from the front, for the long term.

Your Health is Your Greatest Business Asset (And Biggest Risk)

In the world of small and medium-sized enterprises (SMEs), the owner often wears multiple hats: CEO, Head of Sales, HR Manager, and Chief Strategist. This relentless pressure creates a unique set of health challenges.

  • Key Person Risk: You are the ultimate 'key person'. An unexpected illness or injury doesn't just mean a few sick days. It can mean delayed projects, missed opportunities, rattled client confidence, and a direct hit to your revenue.
  • The Stress Epidemic: According to the Federation of Small Businesses (FSB), the mental health of entrepreneurs is a significant concern, with a majority reporting high levels of stress and anxiety directly related to running their business. This chronic stress can manifest in physical ailments, from cardiovascular issues to weakened immunity.
  • The Cost of "Waiting": While the NHS provides excellent emergency care, waiting times for diagnostics and non-urgent treatment can be substantial. For a business owner, a six-month wait for a scan or a year-long wait for surgery is not just a health issue; it's a period of prolonged uncertainty and reduced capacity that your business may not be able to afford.

A Real-Life Scenario: Consider Sarah, a graphic design agency owner in Manchester. She developed persistent knee pain, making client visits and even long hours at her desk difficult. Her GP referred her to an NHS specialist, but the waiting list for an initial consultation was four months, with a further eight months anticipated for an MRI scan. For a full year, Sarah operated at 50% capacity, unable to pitch for new business effectively. The uncertainty and pain took a mental toll, and her business growth stagnated. This is the hidden cost of ill-health that private health cover is designed to eliminate.

Understanding the UK Healthcare Landscape: The NHS vs. Private Care

The National Health Service (NHS) is a national treasure, providing world-class care to millions, free at the point of use. It is the bedrock of UK healthcare, and its emergency services are second to none.

However, the system is under immense pressure. As of early 2025, the NHS waiting list for routine treatments in England remains a significant challenge, with millions of people waiting for appointments.

NHS Wait Time Snapshot (Illustrative data based on 2024/2025 trends)
Referral to Treatment (RTT) Target18 weeks
Actual Median Wait TimeOften exceeds the target significantly
Patients Waiting over 52 weeksTens of thousands
Diagnostics (e.g., MRI, CT Scans)Average waits of several weeks to months

Source: NHS England data trends.

This is where Private Medical Insurance (PMI), also known as private health cover, comes in. It’s not a replacement for the NHS but a complementary service designed to work alongside it.

Crucial Point: What PMI Does and Does Not Cover

It is vital to understand that standard UK private medical insurance is designed for acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.

PMI does not typically cover:

  • Pre-existing conditions: Any medical condition you had symptoms of, or received advice or treatment for, before your policy began.
  • Chronic conditions: Long-term illnesses that cannot be cured, only managed, such as diabetes, asthma, or high blood pressure. The NHS provides ongoing care for these.
  • Emergencies: If you have a heart attack or are in a serious accident, you will be taken to an NHS A&E department.

Think of PMI as your fast-track pass to diagnosis and treatment for new, curable health problems that arise after you take out your policy.

NHS vs. PMI: A Comparison for Entrepreneurs

FeatureNHSPrivate Medical Insurance (PMI)The Entrepreneur's Edge
Speed of AccessSubject to waiting listsFast access to specialists & diagnosticsMinimises business downtime and uncertainty.
Choice of SpecialistAssigned by the NHSYou can often choose your consultant.Access to leading experts in their field.
Choice of HospitalLimited to local NHS facilitiesAccess to a nationwide network of private hospitals.Comfort, convenience, and privacy.
Appointment TimesFixed by the hospitalFlexible appointments to fit around your schedule.Less disruption to your working week.
AccommodationShared wardPrivate, en-suite room.A quiet environment to rest, recover, and stay connected.
CostFree at the point of useMonthly premium + potential excess.A predictable cost to mitigate unpredictable business risk.

The Proactive Power of Modern PMI: More Than Just Treatment

Today’s best PMI providers understand that prevention is better than cure. Modern policies have evolved far beyond simply paying for operations. They are now comprehensive health and wellness partners.

For a busy entrepreneur, these built-in benefits are invaluable tools for maintaining peak performance:

  1. 24/7 Digital GP: Skip the wait for a GP appointment. Get a video consultation within hours from your office or home. This is perfect for getting quick advice, prescriptions, or referrals without disrupting your day.
  2. Mental Health Support: This is one of the most critical benefits. Most policies now offer a set number of counselling or therapy sessions, access to mental health apps, and support helplines. Tackling stress and burnout proactively is essential for long-term success.
  3. Wellness and Fitness Rewards: Many insurers, like Vitality and Aviva, offer incentives for staying active. This can include discounted gym memberships, free cinema tickets, or reduced premiums for hitting activity goals.
  4. Proactive Health Screenings: Get access to regular health checks to catch potential issues early, long before they become business-disrupting problems.

The WeCovr Advantage: Your Wellness Partner At WeCovr, we believe in empowering our clients to take control of their health. That's why clients who arrange their private medical insurance through us receive complimentary access to our exclusive AI-powered calorie and nutrition tracker, CalorieHero. This tool makes it easy to manage your diet, energy levels, and overall health—a perfect companion for a demanding entrepreneurial lifestyle.

Health Hacks for the Time-Poor Entrepreneur

Integrating healthy habits doesn't require a complete life overhaul. Small, consistent changes can make a huge difference.

  • Diet: Focus on fuel, not just food. Prioritise protein for sustained energy and avoid sugary snacks that lead to energy crashes. Use a tool like CalorieHero to stay mindful of your intake without obsessive counting.
  • Sleep: This is non-negotiable. Aim for 7-8 hours. A lack of sleep impairs decision-making, creativity, and emotional regulation—all critical entrepreneurial skills. Create a "wind-down" routine an hour before bed, free from screens.
  • Movement: You don't need to spend hours in the gym. Schedule "walking meetings" on the phone. Use a standing desk. Take a 15-minute brisk walk at lunchtime to clear your head.
  • Stress Management: Practice "structured worrying." Set aside 15 minutes a day to write down your business worries and a potential next step for each. Once the time is up, put the list away. This stops anxieties from bleeding into your entire day.

Choosing the right policy can feel complex, but an expert PMI broker can simplify the process. Here are the key elements you’ll need to consider:

Policy ComponentWhat it Means in Plain EnglishKey Consideration for an Entrepreneur
UnderwritingHow the insurer assesses your medical history. The two main types are Moratorium (no initial medical questions, but pre-existing conditions from the last 5 years are excluded for the first 2 years) and Full Medical Underwriting (FMU) (you declare your full medical history upfront).Moratorium is faster to set up. FMU provides more certainty on what is covered from day one. A broker can advise which is best for you.
ExcessThe amount you agree to pay towards a claim. For example, a £250 excess means you pay the first £250 of any claim each year.A higher excess will lower your monthly premium. You can balance this against your budget and risk appetite.
Hospital ListThe list of private hospitals you can use. This is often tiered (e.g., local, national, premium London hospitals).If you travel a lot for business, a national list is essential. If you want access to top London specialists, you may need a higher-tier list.
Outpatient CoverThis covers diagnostic tests and consultations that don't require a hospital bed. It can range from zero (you use the NHS for diagnosis) to limited (e.g., £1,000 allowance) to full cover.Full outpatient cover offers the fastest route from symptom to diagnosis, which is a major advantage for reducing uncertainty.
Optional ExtrasAdd-ons like dental, optical, and enhanced mental health cover.Consider what's most important to you. For someone who spends all day on a screen, optical cover could be a very worthwhile addition.

Using a specialist broker like WeCovr is the smartest way to navigate these choices. We compare policies from all the leading UK private health cover providers, explain the jargon, and find a plan that fits your specific needs and budget—all at no cost to you.

The Financial Case: Is PMI a Worthwhile Business Investment?

It’s easy to see PMI as just another expense. Instead, it should be viewed as a strategic investment in business continuity.

Let's look at the numbers.

Illustrative Monthly Premiums for PMI

Age of ApplicantBasic Cover (High Excess, Core Cover)Comprehensive Cover (Low Excess, Full Outpatient)
30-year-old£45 - £60£80 - £110
40-year-old£60 - £80£110 - £150
50-year-old£85 - £115£160 - £220

Disclaimer: These are illustrative estimates only. Actual premiums depend on individual circumstances, location, and chosen cover level.

Now, compare that monthly premium to the potential costs—both direct and indirect—of not having cover:

  • Cost of Private Treatment: A single MRI scan can cost £400-£800. A consultation with a top specialist can be £250+. A routine operation like a hip replacement can cost upwards of £15,000.
  • The Opportunity Cost of Waiting: This is the most significant cost. What is the value of a single major client you might lose because you're too unwell to service them? What is the cost of a six-month delay on a crucial product launch? For most entrepreneurs, this figure dwarfs the annual cost of a PMI policy.

Furthermore, at WeCovr, we provide additional value. When you arrange your PMI or Life Insurance with us, you can often benefit from discounts on other types of essential business and personal cover, making your protection portfolio more affordable.

Your Step-by-Step Guide to Securing Your Health & Business Future

  1. Define Your Priorities: What's your primary goal? Is it speedy diagnosis, access to specific hospitals, comprehensive mental health support, or simply a basic safety net? What is your monthly budget?
  2. Speak to an Independent Expert: This is the most crucial step. A dedicated PMI broker works for you, not the insurance company. They will understand the nuances of the market and your needs as a business owner.
  3. Compare Tailored Options: An expert at WeCovr will do the hard work for you, presenting you with a clear comparison of the best PMI providers and policies that match your priorities and budget. Our clients consistently give us high satisfaction ratings for our clear, impartial advice.
  4. Understand the Details: We will walk you through the policy documents, ensuring you understand the excess, the underwriting terms, and exactly what is and isn't covered. No surprises.
  5. Get Covered & Gain Peace of Mind: Once you’ve made your choice, the application process is simple. With your policy in place, you can get back to focusing 100% on what you do best: building your business, knowing you have a powerful health safety net behind you.

Your business is a testament to your vision and hard work. Protecting its future means protecting its most valuable asset: you.

Frequently Asked Questions for Business Owners

As a limited company director or sole trader, is private medical insurance a tax-deductible expense?

For a limited company paying for a director's PMI policy, the premiums are generally considered a legitimate business expense and are therefore tax-deductible. However, it is also treated as a 'benefit in kind' for the director, meaning it will be subject to personal income tax and the company will need to pay Class 1A National Insurance contributions on the value of the premium. For sole traders, PMI is typically considered a personal expense and is not tax-deductible. We always recommend speaking to your accountant for advice specific to your business structure.

Does private health insurance cover pre-existing or chronic conditions?

No, this is a critical point to understand. Standard private medical insurance in the UK is designed to cover acute conditions that arise *after* you take out the policy. It does not cover pre-existing conditions (illnesses you had before the policy started) or chronic conditions (long-term manageable illnesses like diabetes or asthma). The NHS provides excellent ongoing care for chronic conditions.

What is the difference between moratorium and full medical underwriting?

These are two ways insurers assess your health history. With **Full Medical Underwriting (FMU)**, you complete a detailed health questionnaire upfront. The insurer then tells you exactly what is and isn't covered from day one. With **Moratorium (Mori) underwriting**, you don't answer medical questions at the start. Instead, the insurer automatically excludes any condition you've had symptoms of or treatment for in the 5 years before the policy began. This exclusion can be lifted, but only if you remain completely symptom- and treatment-free for that condition for a continuous 2-year period after your policy starts. A broker can help you decide which is more suitable for you.

How does a PMI broker like WeCovr get paid?

Our expert advice and comparison service is provided at no cost to you, the client. When you decide to purchase a policy through us, we are paid a commission by the insurance provider you have chosen. Because we are independent and FCA-authorised, our duty is to you. Our advice is always impartial and focused on finding the best possible cover for your unique needs, not on which provider pays the most commission.

Don't leave your health—and your business's future—to chance. Take the strategic step to protect your greatest asset.

Get your free, no-obligation private medical insurance quote from WeCovr today and secure your entrepreneur's edge.

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!

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

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