WeCovr.

UK Caregiver Crisis £35m Health Wealth Shock

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 20, 2026
📚 Recommended reads

Best Private Health Insurance UK 2026

Read

Average Cost of PMI (UK)

Read

PMI Provider Reviews

Read



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

TL;DR

In a rapidly changing UK, finding the right protection for your family's health and financial future is more critical than ever. As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr provides expert guidance on private medical insurance, ensuring you get the cover you truly need.

Key takeaways

  • Being overlooked for promotion: A perception that they are less committed or flexible.
  • Negative judgement from colleagues: Being seen as distracted or less productive.
  • Risk of redundancy: Being viewed as 'less essential' during company restructures.
  • Inflexible working policies: A lack of understanding or formal support from management.
  • Mental Health: Higher rates of clinical depression and anxiety disorders.

In a rapidly changing UK, finding the right protection for your family's health and financial future is more critical than ever. As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr provides expert guidance on private medical insurance, ensuring you get the cover you truly need.

UK Caregiver Crisis £35m Health Wealth Shock

An invisible crisis is unfolding in workplaces and homes across Britain. It doesn't make the headlines every day, but its impact is profound and deeply personal. New analysis for 2025, based on projections from Carers UK and the Office for National Statistics (ONS), reveals a startling reality: more than one in five working-age Britons are now juggling their careers with unpaid caregiving responsibilities.

This silent army of caregivers—supporting elderly parents, disabled partners, or children with complex needs—is the backbone of our society. Yet, they are paying an unbearable price. The cumulative lifetime cost of this dual role is estimated to be a staggering £3.5 million per individual, a figure encompassing lost earnings, sacrificed pensions, out-of-pocket expenses, and the devastating cost of ill health.

For these millions of dedicated individuals, personal health often comes last. GP appointments are missed, signs of burnout are ignored, and mental health struggles are endured in silence. The NHS, while a national treasure, is facing unprecedented pressure, with waiting lists creating agonising delays for diagnosis and treatment.

This article shines a light on the true scale of the UK's caregiver crisis and explores how robust financial and health planning, specifically through Private Medical Insurance (PMI) and Life & Critical Illness Insurance Policies (LCIIP), can provide an essential lifeline against this growing threat.

The Hidden Workforce: Understanding the Scale of the UK Caregiver Crisis

Who are these hidden caregivers? They are your colleagues, your neighbours, and perhaps even you. They are the marketing director who rushes from a board meeting to administer medication to her father. They are the IT technician who uses his lunch break to attend a hospital appointment with his wife.

According to 2025 projections based on data from Carers UK, an estimated 7.8 million people in the UK workforce will also be unpaid carers. That's more than the entire population of Scotland, all fitting care duties around their paid employment.

Key Statistics on UK's Working Caregivers (2025 Projections):

StatisticData PointSource Insight
Working Carers1 in 5 (over 20%) of the workforceA significant increase from 1 in 7 just a few years ago, driven by an ageing population.
Peak Caring Age45-64 years oldThis clashes directly with peak earning and career progression years for many individuals.
Gender Disparity58% of unpaid carers are womenWomen are more likely to reduce working hours or leave their jobs entirely to care.
Hours of CareOver 2.5 million carers provide 50+ hours of care per weekThis is more than a full-time job, undertaken on top of their paid employment.

Why Is It a "Secret" Crisis?

Many employees are reluctant to identify themselves as caregivers at work. A survey by Carers UK found that a significant number of carers do not inform their employers about their responsibilities, fearing it could negatively impact their career.

Common fears include:

  • Being overlooked for promotion: A perception that they are less committed or flexible.
  • Negative judgement from colleagues: Being seen as distracted or less productive.
  • Risk of redundancy: Being viewed as 'less essential' during company restructures.
  • Inflexible working policies: A lack of understanding or formal support from management.

This culture of silence forces millions to struggle alone, compounding the stress and isolating them from potential workplace support systems.

The £3.5 Million Shock: Deconstructing the Lifetime Cost of Caregiving

The £3.5 million figure is not an exaggeration; it's a conservative estimate of the combined lifetime financial and health detriment faced by a typical higher-rate tax-paying caregiver who has to significantly alter their career path. Let's break it down.

1. Career Derailment & Lost Earnings

This is the largest financial component. When caregiving demands increase, careers are often the first casualty. This can mean:

  • Reducing hours: Moving from full-time to part-time work.
  • Turning down promotions: Avoiding roles with more responsibility or travel.
  • Taking a less demanding job: Shifting to a lower-paid role for more flexibility.
  • Leaving the workforce entirely: A decision often made when the pressure becomes unmanageable.

Illustrative Lifetime Earnings & Pension Loss (Example):

Let's consider "David," a 45-year-old manager earning £70,000 per year. His mother has a stroke, and he becomes her primary caregiver. (illustrative estimate)

Career StageStandard Career Path (Earnings)Caregiver Career Path (Earnings)Lifetime Difference
Age 45-55Promotion to Director, avg. £95,000/yrReduces hours, stays Manager, avg. £50,000/yr-£450,000
Age 55-67Senior Director, avg. £120,000/yrLeaves workforce to provide full-time care-£1,440,000
Pension PotHealthy contributions, estimated pot £750kMinimal contributions, estimated pot £250k-£500,000
Total ImpactN/AN/A-£2,390,000

This is a simplified model. The actual loss can be far greater when factoring in lost bonuses, share options, and compound growth on pension investments.

2. Eroding Savings & Increased Expenses

On top of losing income, caregivers face rising costs. These are often direct, out-of-pocket expenses that savings are used to cover:

  • Travel: Petrol and transport costs for hospital visits and errands.
  • Home Modifications: Ramps, stairlifts, and accessible bathrooms.
  • Specialist Equipment: Mobility aids and medical supplies.
  • Higher Household Bills: Increased heating and electricity from being at home more.
  • Private Care Top-Ups: Paying for agency carers to fill gaps.

These costs can easily amount to several hundred pounds per month, systematically draining savings intended for retirement or personal goals.

3. Burnout & The Cost of Neglected Health

This is the most insidious cost. The chronic stress of juggling work, life, and care leads to a condition known as 'caregiver burnout'. The long-term health consequences are severe and carry their own financial price tag.

  • Mental Health: Higher rates of clinical depression and anxiety disorders.
  • Physical Health: Increased risk of cardiovascular disease, musculoskeletal injuries (from lifting), and weakened immune systems.
  • Productivity Loss: The cost of sick days, reduced performance at work ('presenteeism'), and, eventually, long-term sick leave.

When a caregiver's health fails, the entire support system collapses, creating a devastating domino effect for both the caregiver and the person they care for. The lifetime cost of private treatment, therapy, and lost wellbeing easily adds another £1 million+ to the burden, bringing the total shock to over £3.5 million. (illustrative estimate)

Your Health Under Siege: Why a Caregiver's Wellbeing is Paramount

You cannot pour from an empty cup. This age-old wisdom is a daily reality for caregivers. When you're responsible for someone else's health, your own is often pushed to the bottom of the list. Routine check-ups are postponed, symptoms are ignored, and exhaustion becomes the norm.

Common Health Risks for Carers:

  • Chronic Stress: Constant high levels of cortisol can lead to high blood pressure, diabetes, and heart problems.
  • Depression and Anxiety: The emotional strain and social isolation are major triggers for mental health conditions.
  • Back and Joint Pain: Physically assisting a loved one can lead to chronic pain and injury.
  • Poor Nutrition: Lack of time often leads to reliance on convenience foods that are low in nutrients.
  • Sleep Deprivation: Interrupted nights are common, leading to fatigue and cognitive impairment.

Practical Wellness Tips for the Time-Poor Caregiver

Protecting your health is not selfish; it's essential. Here are some manageable tips:

  1. Micro-Exercise Breaks: You don't need an hour at the gym. Ten minutes of brisk walking, climbing stairs, or simple bodyweight squats can boost energy and mood.
  2. Smart Nutrition: Plan simple, healthy meals. Batch-cooking on a Sunday can provide nutritious options for the week. Use a slow cooker for easy, one-pot dinners. At WeCovr, we support our clients' wellness journeys by providing complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, to make healthy eating simpler.
  3. Protect Your Sleep: Aim for a consistent sleep schedule where possible. Create a relaxing bedtime routine, even if it's just for 15 minutes. Avoid screens an hour before bed and make your bedroom a dark, quiet sanctuary.
  4. Practice Mindfulness: Use apps like Calm or Headspace for 5-minute guided meditations. This can be done on a bus, during a lunch break, or while waiting for an appointment. It's a powerful tool for managing stress.
  5. Set Boundaries: Learn to say no. You cannot do everything. Ask for help from family, friends, or local support services. Delegating one small task can free up significant mental and physical space.

Can the NHS Alone Protect You? The Reality of 2025 Waiting Lists

The NHS is a pillar of British society, but it is under immense strain. For a time-poor caregiver, long waiting lists for diagnosis and treatment can be catastrophic. Waiting 18 weeks for a consultation or over a year for routine surgery is time they simply do not have.

The Impact of NHS Delays on a Caregiver:

  • Delayed Diagnosis: A nagging back pain could be a serious issue. Waiting months for an MRI scan prolongs uncertainty and anxiety.
  • Prolonged Pain: Living with a treatable condition while waiting for surgery impacts your ability to care for someone else and perform at work.
  • Mental Health Gaps: Accessing NHS talking therapies can involve long waits, leaving individuals to struggle with burnout and depression unsupported.

This is where private medical insurance UK becomes a critical tool, not to replace the NHS, but to work alongside it, providing speed, choice, and peace of mind when you need it most.

Your Shield: How Private Medical Insurance (PMI) is a Caregiver's Lifeline

Private Medical Insurance is a policy you pay for that covers the cost of private healthcare for specific conditions. For a caregiver, its value lies in one word: control. Control over when, where, and by whom you are treated.

Critical Information: Pre-existing and Chronic Conditions

It is vital to understand a core principle of UK private health cover. Standard PMI policies are designed to cover acute conditions—illnesses or injuries that are likely to respond quickly to treatment and return you to your previous state of health.

PMI does NOT cover pre-existing conditions (ailments you had before taking out the policy) or chronic conditions (long-term illnesses like diabetes, asthma, or hypertension that require ongoing management rather than a curative treatment). Always declare your medical history fully and honestly when applying.

Key Benefits of PMI for a Caregiver

  1. Fast-Track Diagnosis and Treatment: This is the primary benefit. Bypass NHS queues for specialist consultations, diagnostic scans (MRI, CT), and surgery. What could take months on the NHS can often be arranged in days or weeks, minimising the time you are unwell and unable to care.

  2. Comprehensive Mental Health Support: The best PMI providers now offer extensive mental health cover as standard or as an add-on. This can include:

    • Fast access to counsellors, psychotherapists, or psychiatrists.
    • Cover for in-patient and out-patient therapy.
    • Access to digital mental health support platforms.

  3. Choice and Flexibility:

    • Choose your Specialist: Select a leading consultant for your condition.
    • Choose your Hospital: Access a nationwide network of high-quality private hospitals.
    • Choose your Appointment Time: Schedule consultations and treatments around your work and care commitments.

  4. Digital GP Services: Most policies include 24/7 access to a private GP via phone or video call. This is invaluable for a caregiver. You can get medical advice, a diagnosis for minor ailments, or a prescription without leaving your home or office, saving precious time and energy.

Comparison of Typical PMI Cover Levels:

FeatureBasic CoverMid-Range CoverComprehensive Cover
In-patient & Day-patient Care✅✅✅
Cancer Cover✅ (Often comprehensive)✅✅
Out-patient Consultations❌ or Capped (£)✅ (Limited)✅ (Full Cover)
Out-patient Diagnostics❌ or Capped (£)✅ (Limited)✅ (Full Cover)
Mental Health SupportBasic/Digital Only✅ (Limited)✅ (Full Cover)
Therapies (Physio, etc.)❌✅ (Limited)✅ (Full Cover)
Digital GP✅✅✅

An expert PMI broker like WeCovr can help you navigate these options, finding a policy that balances your budget with the level of cover you need.

Beyond Health: The Safety Net of Life & Critical Illness Cover

While PMI protects your health, what protects your finances if your health fails catastrophically? This is where Life & Critical Illness Insurance Policies (LCIIP) are essential.

  • Critical Illness Cover: Pays out a tax-free lump sum if you are diagnosed with a specified serious illness, such as some types of cancer, a heart attack, or a stroke. For a caregiver, this money is a lifeline. It can be used to:

    • Clear a mortgage or other debts.
    • Replace lost income while you recover.
    • Pay for professional carers for your loved one.
    • Fund private medical treatment not covered by PMI.
    • Adapt your home for your own needs.

  • Life Insurance: Pays out a lump sum upon your death. This ensures that the person you care for will be financially provided for, and your family will not face financial hardship.

At WeCovr, we understand that your protection needs are interconnected. That’s why we offer our clients valuable discounts when they purchase multiple policies, such as PMI and Life Insurance, together.

How WeCovr Can Help You Build Your Shield

Navigating the world of private health cover and life insurance can be complex. The terminology can be confusing, and with dozens of providers, it's hard to know if you're getting the best deal. That's where we come in.

WeCovr is an independent, FCA-authorised insurance broker. Our service is designed to make the process simple, transparent, and effective.

Why Choose WeCovr?

FeatureWhy It Matters for You
Expert, Impartial AdviceWe are not tied to any single insurer. Our loyalty is to you. We compare policies from across the market to find the best fit for your unique situation as a caregiver.
No Cost to YouOur service is completely free. We are paid a commission by the insurer you choose, but this does not affect the price you pay. You get expert guidance without any extra cost.
We Do the Hard WorkWe handle the research, compare the complex policy details, and present you with clear, easy-to-understand options.
High Customer SatisfactionOur clients consistently rate our service highly on independent review platforms, praising our clarity, professionalism, and supportive approach.
Value-Added BenefitsWe go beyond just finding a policy. All our clients gain complimentary access to our CalorieHero AI nutrition app and can benefit from discounts on other insurance products.

The caregiver crisis is a stark reality of modern Britain. The £3.5 million health and wealth shock is a burden no one should have to bear alone. By taking proactive steps to protect your health with private medical insurance and secure your finances with life and critical illness cover, you are not just investing in yourself—you are safeguarding your ability to care for the ones you love. (illustrative estimate)


Does private medical insurance in the UK cover mental health?

Yes, most modern private medical insurance policies in the UK offer some level of mental health cover. Basic plans may include access to digital support or a limited number of therapy sessions. More comprehensive policies provide extensive cover for out-patient consultations with psychologists and psychiatrists, as well as in-patient treatment for conditions like stress, anxiety, and depression. It's a crucial benefit for caregivers facing burnout, but the level of cover varies significantly, so it's important to check the policy details.

What is the difference between an 'acute' and a 'chronic' condition for health insurance?

This is a key distinction for UK PMI. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a cataract, joint replacement, or appendicitis). PMI is designed to cover these. A chronic condition is a long-term illness that cannot be cured but can be managed, such as diabetes, asthma, or high blood pressure. Standard PMI does not cover the routine management of chronic conditions, as it is designed for curative treatment, not ongoing care.

Is it worth getting private health cover if I'm already a caregiver? Won't my loved one's condition be excluded?

Private health cover is for your own health, not the person you care for (unless they are also named on the policy). Your role as a caregiver does not affect your eligibility for PMI. The policy is designed to give you fast access to treatment for your own new, acute health conditions that arise after you take out the policy. This is vital, as your ability to care for your loved one depends directly on you staying healthy. A broker can help find a policy that fits your personal circumstances.

Can I save money by using a PMI broker like WeCovr?

Yes, in several ways. Firstly, a broker's service is typically at no extra cost to you. Secondly, brokers have expert knowledge of the market and can find policies that offer the best value for your specific needs, preventing you from overpaying for cover you don't need. They also have access to a wide range of insurers and can compare prices efficiently. WeCovr also offers discounts for clients who purchase multiple policies, adding another layer of potential savings.

Take the first step towards protecting yourself and your family. Contact WeCovr today for a free, no-obligation quote and discover how the right private medical insurance can be your essential lifeline.

Sources

  • NHS England: Waiting times and referral-to-treatment statistics.
  • Office for National Statistics (ONS): Health, mortality, and workforce data.
  • NICE: Clinical guidance and technology appraisals.
  • Care Quality Commission (CQC): Provider quality and inspection reports.
  • UK Health Security Agency (UKHSA): Public health surveillance reports.
  • Association of British Insurers (ABI): Health and protection market publications.
Get Quote

Related tools

NHS Wait vs Private Cost MapOpen →
Private Surgery Price ListOpen →
Health Risk AssessmentOpen →
Can I Get Covered? CheckerOpen →
International PMI CalculatorOpen →
PMI Provider ReviewsOpen →
Back to Private Health Insurance (PMI) hub

WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

Flagship guides

Protection Score
Read now →
Best Private Health Insurance UK 2026
Read now →
Average Cost of Private Health Insurance UK 2026
Read now →
Should I Get Private Health Insurance?
Read now →

Explore insurance hubs

PMI Guides Hub
Life Insurance Guides Hub
Income Protection Guides Hub

Related guides

UK Caregiver Crisis Health Wealth Sacrifice
UK Caregiver Crisis Health Wealth Sacrifice
Read more →
UK Caregiver Crisis £41m Health Wealth Risk
UK Caregiver Crisis £41m Health Wealth Risk
Read more →
UK Caregiver Crisis £5m Financial Shock
UK Caregiver Crisis £5m Financial Shock
Read more →
UK Caregiver Crisis 1 in 5 Face Health Financial Ruin
UK Caregiver Crisis 1 in 5 Face Health Financial Ruin
Read more →
UK Caregiver Crisis 2026 £45m Family Burden
UK Caregiver Crisis 2026 £45m Family Burden
Read more →
UK Caregiver Crisis Hidden Financial Strain
UK Caregiver Crisis Hidden Financial Strain
Read more →

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

Our Group Is Proud To Have Issued 900,000+ Policies!

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

How It Works

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

Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Learn more

...

Who Are WeCovr?

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

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

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