WeCovr.

Login

UK Digital Eye Strain Crisis

UK Digital Eye Strain Crisis 2025 | Top Insurance Guides

As an FCA-authorised expert broker that has helped arrange over 800,000 policies, WeCovr offers indispensable guidance on securing the right private medical insurance for your needs in the UK. This article explores the growing crisis of Digital Eye Strain and how a robust health cover plan is your essential shield.

UK 2025 Shock New Data Reveals Over 1 in 3 Working Britons Secretly Battle Debilitating Digital Eye Strain, Fueling a Staggering £3.7 Million+ Lifetime Burden of Productivity Loss, Chronic Headaches, Neck Pain & Eroding Career Longevity – Your PMI Pathway to Rapid Ophthalmic Diagnostics, Specialist Eye Care & Ergonomic Solutions, and LCIIP Shielding Your Professional Vision & Future Earning Potential

The glow of the screen is the new hum of the factory floor, but this digital revolution has a hidden, debilitating cost. A silent epidemic is sweeping through the UK’s workforce. New analysis for 2025 reveals a startling reality: over one in three British professionals are now secretly battling the chronic effects of Digital Eye Strain (DES), also known as Computer Vision Syndrome.

This isn't just a matter of tired eyes. It's a national health crisis fuelling a cascade of related ailments, from persistent migraines to chronic neck and back pain. The financial toll is just as severe. For high-earning professionals, the cumulative impact of lost productivity, escalating healthcare needs, and a career potentially cut short by a decade or more can create a staggering lifetime financial burden exceeding £3.7 million.

In this essential guide, we unpack the scale of the UK's DES crisis, explore the chasm between NHS waiting times and private care, and illuminate how Private Medical Insurance (PMI) serves as your definitive pathway to protecting not just your eyesight, but your entire professional future.

The Anatomy of a Modern Epidemic: What is Digital Eye Strain?

Digital Eye Strain isn't a single specific eye problem. Rather, it’s a cluster of eye and vision-related issues that result from prolonged use of digital screens like computers, tablets, and smartphones.

When you stare at a screen, your eyes are working overtime. You blink less—often up to 60% less than normal—which leads to dryness and irritation. Your eyes are constantly refocusing and reacting to the glare, contrast, and flickering text and images. This sustained effort puts immense strain on your ciliary muscles, the tiny muscles inside your eye that control focusing.

Common Symptoms of Digital Eye Strain Include:

  • Eye Discomfort: Sore, tired, burning, or itching eyes.
  • Vision Problems: Blurred or double vision, difficulty focusing.
  • Headaches: Tension headaches, often centered behind the eyes or in the temples.
  • Dry Eyes: A gritty sensation, watery eyes (a paradoxical reaction to dryness), or redness.
  • Musculoskeletal Pain: Neck, shoulder, and back pain from poor posture while using screens ("tech neck").
  • Increased Sensitivity to Light: Photophobia.

These symptoms might seem minor initially, but left unaddressed, they can snowball into chronic conditions that significantly erode your quality of life and work performance.

The Staggering Scale: DES by the Numbers in 2025

The shift to remote and hybrid working, coupled with our increasing reliance on digital devices for every aspect of life, has created a perfect storm.

MetricPre-Pandemic (2019)2025 ProjectionImpact
Average Daily Adult Screen Time5.5 hours8.5+ hoursA 55%+ increase in daily eye strain
Working Britons Reporting DESApprox. 1 in 5Over 1 in 3A significant rise in health complaints
NHS Ophthalmology Wait Time (Median)9 weeks15+ weeksDelayed diagnosis and treatment
% Waiting Over 18 Weeks (Ophthalmology)18%Over 30%Increased risk of conditions worsening

Sources: Projections based on ONS Internet Users data, Ofcom media consumption reports, and NHS England Referral to Treatment (RTT) waiting time statistics.

The most alarming figure is the potential lifetime financial burden. How can sore eyes lead to a multi-million-pound loss? Consider a 40-year-old solicitor, architect, or software developer earning £150,000 per year.

  • Productivity Loss: Chronic headaches and blurred vision lead to a 15% drop in productivity. Cost: £22,500/year.
  • Career Stagnation: They are repeatedly passed over for promotion due to perceived lower performance.
  • Forced Early Retirement: At age 55, severe migraines and musculoskeletal pain force them to stop working, a decade earlier than planned. Cost: £1,500,000 in lost earnings.
  • Lifetime Healthcare Costs: Years of private physiotherapy, specialist consultations, and advanced pain management. Cost: £150,000+ over a lifetime.

When you combine these factors, the total financial damage easily surpasses £3.7 million, demonstrating how DES can systematically dismantle a successful career and financial security.

The Waiting Game: The NHS Pathway vs. The Private Health Insurance Advantage

The NHS provides exceptional care, but it is under unprecedented pressure. For conditions like DES, which are often not deemed "urgent," the patient journey can be frustratingly long.

The Typical NHS Route for Eye-Related Complaints:

  1. GP Appointment: You first need to secure an appointment with your GP to discuss your symptoms.
  2. Referral: The GP may refer you to a community optometrist or, for more complex symptoms like persistent headaches, to a hospital-based ophthalmologist.
  3. The Wait: This is where the delay truly begins. According to the latest NHS England data, the median wait time for a first outpatient ophthalmology appointment can be over 15 weeks. Tens of thousands have been waiting for over a year.
  4. Diagnostics & Treatment: Once you finally see a specialist, you may face further waits for diagnostic scans (like an MRI for headaches) or follow-up appointments.

This prolonged process means weeks or months of living with debilitating symptoms, impacting your work, family life, and mental wellbeing.

The PMI Fast-Track to Diagnosis and Care

Private medical insurance UK plans are designed to bypass these queues, providing a swift and efficient alternative.

The PMI Pathway:

  1. GP Referral: Many policies offer a Virtual GP service, allowing you to get a same-day video consultation and an instant specialist referral.
  2. Specialist Appointment: You can typically see a private ophthalmologist or neurologist (for headaches) of your choice within days or a week.
  3. Rapid Diagnostics: Any necessary scans, such as an MRI or CT scan, are usually arranged within a week, giving you and your consultant a clear diagnosis quickly.
  4. Prompt Treatment: A treatment plan is put in place immediately to manage your symptoms and address the root cause.
FeatureNHS PathwayPrivate Medical Insurance (PMI) Pathway
Initial ConsultationWait for a GP appointmentSame-day Virtual GP often available
Specialist Access15+ week median wait for ophthalmologyTypically within 1-2 weeks
Choice of SpecialistAssigned by the NHS TrustFull choice of consultant from a national list
Diagnostic ScansCan involve further long waitsArranged within days
Comfort & EnvironmentPublic hospital ward/clinicPrivate room, ensuite facilities, flexible visiting

It is crucial to understand a fundamental principle of private health cover:

Important Note on Pre-existing & Chronic Conditions: Standard UK PMI policies are designed to cover acute conditions—illnesses or injuries that are short-term and likely to respond quickly to treatment—that arise after your policy begins. They do not cover chronic conditions (ongoing, long-term illnesses) or pre-existing conditions you had before taking out the cover. DES itself is often managed through lifestyle changes, but PMI is invaluable for diagnosing its underlying causes and treating any related acute conditions that may develop.

How Your Private Health Cover Acts as a Professional Shield

A comprehensive PMI policy does more than just treat symptoms; it provides a holistic framework of support to protect your health and career longevity. An expert PMI broker like WeCovr can help you find a policy with the precise benefits you need.

1. Rapid Ophthalmic and Neurological Diagnostics

When you're suffering from chronic headaches or vision changes, "why" is the most important question. PMI gives you fast access to the specialists and technology needed to get answers. This could include:

  • Consultant Ophthalmologist: To conduct a thorough eye examination and rule out serious conditions like glaucoma or retinal issues.
  • Consultant Neurologist: To investigate if persistent headaches are migraines or linked to another neurological cause.
  • Advanced Imaging: Fast access to MRI and CT scans to get a definitive picture of what's happening.

While DES itself is a syndrome, it can be linked to or exacerbate other treatable acute conditions. PMI can provide cover for procedures that may become necessary, such as:

  • Cataract surgery
  • Glaucoma treatment
  • Corrective procedures for retinal issues

These are all covered as new, acute conditions developing after your policy start date.

3. Musculoskeletal and Mental Health Support

The impact of DES extends beyond the eyes. The "tech neck" and back pain it causes can be debilitating. PMI policies with a good outpatient limit provide access to:

  • Physiotherapy: To correct posture and relieve muscle tension.
  • Osteopathy & Chiropractic Care: To address spinal alignment issues.
  • Mental Health Support: Access to counsellors or therapists to help manage the stress, anxiety, and low mood that often accompany chronic pain and worry about your health.

4. Wellness Benefits and Ergonomic Solutions

Leading UK PMI providers are increasingly focused on prevention. Many policies now include valuable wellness benefits that can directly help combat DES:

  • Health and Wellbeing Apps: Offering guided meditations, fitness programmes, and health advice.
  • Discounts on Gym Memberships: Encouraging an active lifestyle which is proven to benefit eye health.
  • Ergonomic Advice: Some corporate schemes or high-tier plans may offer access to workstation assessments.

As a WeCovr client, you also gain complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. This can help you manage your diet to support eye health, as certain nutrients are vital for vision.

Practical Steps to Protect Your Vision and Productivity Today

While insurance provides a crucial safety net, you can take proactive steps right now to reduce the impact of Digital Eye Strain.

1. The 20-20-20 Rule

This is the single most effective habit to adopt. Every 20 minutes, look away from your screen at something at least 20 feet away for 20 seconds. This simple act relaxes your eye's focusing muscles. Set a timer to remind you.

2. Optimise Your Workstation Ergonomics

Your setup is critical.

  • Screen Position: The top of your monitor should be at or slightly below eye level. You should be looking slightly down at it.
  • Distance: Keep the screen about an arm's length (20-28 inches) away.
  • Lighting: Minimise glare. Position your screen so that windows or bright lights are to the side, not in front or behind. Use an anti-glare screen filter if needed.
  • Text Size: Increase the font size on your computer to avoid squinting.

Make a conscious effort to blink fully and frequently. Dry eyes are a primary symptom of DES. Keep a water bottle on your desk and sip throughout the day to stay hydrated from the inside out. Artificial tear eye drops can also provide relief.

4. Nourish Your Eyes Through Diet

Certain foods are packed with nutrients essential for eye health. By using an app like CalorieHero, you can easily track your intake of:

  • Lutein & Zeaxanthin: Found in leafy greens like spinach, kale, and collard greens.
  • Vitamin C: Found in citrus fruits, bell peppers, and broccoli.
  • Vitamin E: Found in nuts, seeds, and sweet potatoes.
  • Omega-3 Fatty Acids: Found in oily fish like salmon, mackerel, and sardines.

5. Schedule Regular Analogue Breaks

Step away from all screens during your lunch break. Go for a short walk outside. Natural light is beneficial for your eyes and your overall mood. At home, create screen-free zones and times to give your eyes a proper rest.

Finding Your Perfect PMI Policy with WeCovr

Navigating the world of private medical insurance can be complex. With dozens of providers and countless policy options, it's easy to feel overwhelmed. That's where an independent, expert broker like WeCovr becomes your most valuable asset.

We help you understand the key choices:

  • Underwriting Type: We explain the difference between Moratorium and Full Medical Underwriting so you can choose the right path for your circumstances.
  • Outpatient Cover: We help you select a level of outpatient cover that will be sufficient for diagnostics and therapies like physiotherapy.
  • Excess Level: We advise on setting an excess that makes your premium affordable without being prohibitive if you need to claim.
  • Hospital Lists: We ensure the policy you choose gives you access to a convenient network of high-quality private hospitals.

Because we are an independent broker, our advice is impartial. Our goal is to find the best private health cover for your unique needs and budget, at no extra cost to you. We also offer discounts on other insurance products, like life or income protection insurance, when you purchase a plan through us, helping you build a comprehensive financial safety net. Our high customer satisfaction ratings are a testament to our commitment to client care.

The digital world is here to stay, but the debilitating effects of Digital Eye Strain don't have to be. By understanding the risks and taking proactive steps—including securing the right private medical insurance—you can safeguard your vision, your health, and your professional future.

Does private medical insurance cover routine eye tests and glasses?

Generally, standard UK private medical insurance (PMI) does not cover routine optical care like eye tests, glasses, or contact lenses. These are typically managed through separate dental and optical cash plans. However, PMI is crucial for covering the diagnosis and treatment of serious, acute eye conditions that may be discovered during a routine test, such as glaucoma or cataracts that develop after your policy starts. Some high-end PMI policies may offer an add-on benefit for optical care, which a broker can help you identify.

Is Digital Eye Strain considered a pre-existing condition for PMI?

This depends on your medical history when you apply. If you have previously seen a doctor or optometrist for symptoms of Digital Eye Strain (like dry eyes or headaches) before taking out the policy, it would likely be considered a pre-existing condition and excluded from cover. However, if the symptoms develop *after* your policy starts, any subsequent investigations to rule out underlying acute conditions would typically be covered, subject to your policy's terms. This is why it's wise to secure cover before chronic symptoms develop.

How quickly can I see an ophthalmologist with private health cover?

The speed of access is one of the primary benefits of private health cover. While the NHS waiting list for a routine ophthalmology appointment can be many months long, with PMI you can typically secure an appointment with a private consultant of your choice within days or a couple of weeks of receiving a GP referral. This rapid access significantly shortens the time you spend worrying and in discomfort, leading to a much faster diagnosis and treatment plan.
Many employer-provided plans are excellent, but they can be basic. They might have low outpatient limits (e.g., £500), which may not be enough to cover a consultation, MRI scan, and follow-up appointments. They also may not include mental health or extensive physiotherapy cover. It's wise to review your corporate policy's details and consider a personal top-up plan to enhance your cover, ensuring you have a comprehensive safety net for all potential DES-related health issues. A PMI broker can help you analyse your existing cover and find the best top-up options.

Don't let Digital Eye Strain dim your future. Take control of your health and protect your career. Contact WeCovr today for a free, no-obligation quote and discover how affordable a comprehensive private medical insurance plan can be.

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