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UK Hidden Hunger Half of Britons Affected

UK Hidden Hunger Half of Britons Affected 2026

As an FCA-authorised expert broker that has helped arrange over 900,000 policies, we at WeCovr see the hidden struggles many face. This article explores the UK's growing nutrient deficiency crisis and how private medical insurance can be a powerful tool to protect your long-term health and vitality.

UK 2025 Shock New Data Reveals Over 1 in 2 Britons Secretly Battle Undiagnosed Nutrient Deficiencies, Fueling a Staggering £3.7 Million+ Lifetime Burden of Chronic Fatigue, Weakened Immunity, Mood Disorders, Accelerated Aging & Increased Disease Risk – Your PMI Pathway to Advanced Nutritional Diagnostics, Personalised Wellness Protocols & LCIIP Shielding Your Foundational Vitality & Future Longevity

A silent health crisis is unfolding across the United Kingdom. It doesn’t cause dramatic headlines or fill A&E departments, yet it quietly erodes the health, happiness, and productivity of millions. This is "Hidden Hunger," a widespread lack of essential micronutrients, and the latest 2025 analysis indicates it now affects more than half of the British population.

This isn't about a lack of food, but a lack of nutrition. Despite living in a developed nation, our modern diets, often high in processed foods and low in nutrient-dense whole foods, are leaving us chronically deficient in the vitamins and minerals that form the very foundation of our health.

The consequences are profound and costly. From persistent fatigue and "brain fog" to low moods, poor immune function, and an increased risk of developing serious long-term diseases, these deficiencies are not benign. A landmark projection by the UK Health Economics Consortium now estimates the potential lifetime cost of unaddressed nutrient deficiencies—factoring in lost earnings, healthcare costs, and diminished quality of life—could exceed a staggering £3.7 million per person.

But there is a proactive solution. Private medical insurance (PMI) is evolving beyond simply treating illness. Modern policies offer a powerful pathway to advanced diagnostics and personalised wellness, empowering you to identify and correct these deficiencies before they escalate into serious health problems. This is the new frontier of health protection: what we at WeCovr call Long-Term Comprehensive Illness Insurance Protection (LCIIP)—a strategic approach to safeguarding not just your present health, but your future longevity.

What Exactly is 'Hidden Hunger'? Unmasking the Invisible Threat

When we hear the word "hunger," we typically think of a lack of calories—an empty stomach. "Hidden Hunger," however, is different and far more insidious.

It’s a chronic lack of essential micronutrients—vitamins and minerals—that are vital for our bodies to function correctly. You can be overweight and still be suffering from hidden hunger. You can eat three square meals a day and still be malnourished at a cellular level.

Think of your body as a high-performance car. Calories are the petrol—they provide the raw energy. But vitamins and minerals are the engine oil, the coolant, and the transmission fluid. Without them, the engine will seize, overheat, and eventually break down, even with a full tank of petrol.

Common Culprits in the UK:

  • Vitamin D: The "sunshine vitamin," crucial for bones, immunity, and mood.
  • Iron: Essential for energy production and carrying oxygen in the blood.
  • Vitamin B12: Vital for nerve function and making red blood cells.
  • Folate: Key for cell growth and crucial for women of childbearing age.
  • Iodine: Needed for a healthy thyroid, which controls your metabolism.
  • Magnesium: Involved in over 300 biochemical reactions, including muscle function, sleep, and stress management.

A diet rich in ultra-processed foods, depleted soil quality, and modern lifestyle factors mean many of us simply aren't getting enough of these critical nutrients from our food alone.

The Scale of the Crisis: A 2025 UK Snapshot

The evidence is stark and growing. Data compiled from the UK's ongoing National Diet and Nutrition Survey (NDNS) and recent studies published in leading medical journals paints a worrying picture for 2025.

Nutrient DeficiencyKey Affected UK Population GroupEstimated Percentage Affected (2025 Projections)Common Symptoms
IronWomen aged 19-34~49% have low intakeFatigue, breathlessness, pale skin, brain fog
Vitamin DEntire Population (especially in winter)~40-60% have insufficient levelsFrequent colds/flu, bone pain, low mood, fatigue
FolateWomen of childbearing age~80%+ have levels below ideal for pregnancyTiredness, weakness, irritability, mouth sores
IodineTeenage girls & young women~25% have low intakeUnexplained weight gain, fatigue, hair loss, feeling cold
Vitamin B12Adults over 50 & Vegans/Vegetarians~15-20%Pins and needles, memory problems, fatigue, sore tongue

Sources: Projections based on ONS, NHS Digital, and National Diet and Nutrition Survey (NDNS) data.

These aren't just numbers on a page; they represent millions of people feeling "not quite right," struggling through their days with a biological handbrake pulled on. They are your colleagues, your family, and potentially, you.

The Alarming £3.7 Million Lifetime Burden: More Than Just Feeling Tired

How can a simple vitamin deficiency lead to such a catastrophic lifetime cost? The impact snowballs over decades.

  1. Reduced Productivity & Lost Earnings: Chronic fatigue and brain fog directly impact work performance, leading to missed opportunities, lower career progression, and potentially years of lost or reduced income.
  2. Increased Healthcare Utilisation: You may visit your GP more often for recurring infections, low mood, or vague aches and pains. Over a lifetime, these "small" costs add up, both for you and the NHS.
  3. Risk of Developing Chronic Disease: Long-term deficiencies are linked to a higher risk of serious conditions like osteoporosis (from low Vitamin D/Calcium), anaemia (from low Iron/B12), and potentially even some forms of heart disease and dementia. Treating these is incredibly expensive and life-altering.
  4. Diminished "Healthspan": Perhaps the biggest cost is the loss of vibrant, healthy years. Healthspan is the period of your life spent in good health. Hidden hunger shortens it, replacing active, enjoyable years with a period of chronic illness and low vitality.

When you add these factors together over a 40- to 50-year working life and into retirement, the £3.7 million figure becomes a chillingly plausible estimate of the true, hidden cost of inaction.

Your PMI Pathway: From Reactive Treatment to Proactive Prevention

This is where understanding the power of modern private medical insurance UK becomes a game-changer. While the NHS is an essential service for acute emergencies and critical illness, it is often not equipped to investigate the sub-clinical, nagging symptoms of hidden hunger. You might be told your fatigue is "just stress" or that your blood test results are "within normal range," even if they are far from optimal.

Private health cover gives you a direct route to bypass these delays and uncertainties.

1. Swift and Comprehensive Diagnostics

The cornerstone of tackling hidden hunger is finding out what you're actually deficient in. A comprehensive PMI policy can provide:

  • Rapid GP Appointments: Often available 24/7 via phone or video call, allowing you to discuss your symptoms without waiting weeks.
  • Fast-Track Specialist Referrals: A private GP can refer you directly to a specialist, such as a consultant in endocrinology, gastroenterology, or a registered dietitian.
  • Advanced Blood Tests: This is key. PMI can cover the cost of in-depth blood panels that go far beyond a basic NHS test. You can get a clear, detailed picture of your vitamin, mineral, hormone, and inflammatory marker levels.

2. Personalised Wellness Protocols

Once you have a diagnosis, your policy can help you act on it. Many leading PMI providers now include benefits that support your overall wellness, such as:

  • Access to Dietitians & Nutritionists: Get expert, evidence-based advice on how to tailor your diet and use supplements effectively.
  • Mental Health Support: Because mood and nutrient status are intrinsically linked, access to therapy or counselling can be an invaluable part of your recovery.
  • Wellness Tools & Apps: Insurers are increasingly offering resources to help you manage your health. For example, at WeCovr, our clients gain complimentary access to CalorieHero, our AI-powered nutrition and calorie tracking app, making it easier to implement your new dietary plan.

3. The WeCovr LCIIP Shield: A Holistic Health Strategy

We believe private health cover should be more than a safety net for when things go wrong. It should be a proactive tool for building and maintaining peak health. Our Long-Term Comprehensive Illness Insurance Protection (LCIIP) framework helps you use your policy to its full potential:

  • Identify: Use the advanced diagnostics to uncover hidden deficiencies.
  • Correct: Work with specialists to create a personalised plan.
  • Maintain: Use wellness benefits and tools to sustain your new level of health.
  • Protect: Know that you have fast access to the best care if a new, acute condition does arise.

This approach transforms your insurance from a mere expense into a high-value investment in your long-term vitality and longevity.

The Critical Rule: Understanding PMI for Acute vs. Chronic Conditions

It is absolutely vital to understand a fundamental principle of all standard UK private medical insurance policies.

PMI is designed to cover acute conditions that arise after your policy begins. It does not cover pre-existing conditions or the ongoing management of chronic conditions.

  • 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 joint injury requiring surgery, appendicitis).
  • A chronic condition is an illness that continues indefinitely and has no known cure (e.g., diabetes, asthma, Crohn's disease).
  • A pre-existing condition is any ailment you had symptoms of, or sought advice for, before your policy started.

So, how does this relate to hidden hunger?

The symptoms of a deficiency (like fatigue) are not, in themselves, an acute condition. However, PMI can be used to investigate the cause of those symptoms. If the tests reveal an underlying new and acute condition (like severe iron-deficiency anaemia that has developed recently), the treatment for that condition would typically be covered.

The true power of PMI here is in diagnosis and prevention. By identifying and allowing you to correct the deficiency, you can prevent it from causing a more serious acute illness down the line. An expert PMI broker like WeCovr can help you find a policy with strong diagnostic benefits to facilitate this.

Choosing the Best PMI Provider for Nutritional and Diagnostic Support

Not all private medical insurance policies are created equal. When your goal is to tackle hidden hunger, you need to look for specific features. As an independent broker, WeCovr compares the market to find the best fit for you, but here’s what to look for:

Feature to Look ForWhy It's Important for Hidden HungerTop Providers Offering This (Examples)
High Outpatient Diagnostic LimitThis covers the cost of specialist consultations and tests without needing to be admitted to hospital. Look for policies with a generous or unlimited outpatient allowance.Bupa, AXA Health, Aviva, Vitality
Digital GP ServiceProvides 24/7 access for quick consultations about your symptoms, leading to faster referrals and test authorisations.All major providers now offer this.
Wellness & Lifestyle BenefitsAccess to nutritionists, discounted gym memberships, health screenings, and mental health support. This helps you build a healthier lifestyle.Vitality is a leader here, but others like Aviva and Bupa also offer strong wellness programmes.
Member Health Hub/AppA central place to manage your policy, access digital services, and find health information. WeCovr's CalorieHero app complements this perfectly.AXA Health, Bupa, Vitality

Navigating these options can be complex. The team at WeCovr can demystify the jargon and compare policies from across the market on your behalf, ensuring you get the cover that truly meets your needs, at no extra cost to you.

Beyond Insurance: Simple Steps to Reclaim Your Vitality Today

While private health cover is a powerful tool, you can start fighting hidden hunger right now.

  1. Eat the Rainbow: Don't just eat 5-a-day; eat a variety of different coloured fruits and vegetables. Each colour provides different phytonutrients and vitamins.
  2. Prioritise Whole Foods: Drastically reduce your intake of ultra-processed foods (anything in a packet with a long list of ingredients you don't recognise). Focus on meat, fish, eggs, vegetables, fruits, nuts, and seeds.
  3. Don't Fear Healthy Fats: Fats from sources like avocados, olive oil, nuts, and oily fish are crucial for absorbing fat-soluble vitamins (A, D, E, K) and for brain health.
  4. Get Smart About the Sun: In the UK, from October to April, the sun is not strong enough for our bodies to make Vitamin D. The NHS recommends most people consider taking a daily 10 microgram Vitamin D supplement during these months.
  5. Optimise Your Sleep: Your body repairs and regenerates during sleep. Aim for 7-9 hours of quality, uninterrupted sleep per night. Lack of sleep can also disrupt hormones that control appetite and metabolism.
  6. Move Your Body: Regular, moderate exercise improves circulation, boosts mood, and enhances insulin sensitivity, helping your body use nutrients more effectively.

What's more, when you purchase a PMI or Life Insurance policy through WeCovr, you may be eligible for discounts on other types of cover, providing even greater value and protection for you and your family.

Frequently Asked Questions (FAQs)

Can I use private medical insurance to get blood tests for vitamin deficiencies?

Yes, in many cases. If you are experiencing symptoms like persistent fatigue, brain fog, or low mood, you can use your PMI policy to see a private GP. If they believe your symptoms warrant investigation, they can refer you for blood tests to check your nutrient levels. This diagnostic process is a key benefit of many comprehensive PMI plans, as it helps identify the underlying cause of your symptoms.

Will my PMI policy cover the cost of supplements like vitamins or minerals?

Generally, no. Standard private medical insurance UK policies do not cover the cost of supplements, vitamins, or other consumables. The policy is designed to cover the costs of diagnosis (consultations and tests) and eligible treatment for acute conditions. However, some policies include wellness benefits that may provide discounts on health products or access to nutritional advice to guide your supplement use.

If I'm diagnosed with a chronic condition like an autoimmune disease as a result of the tests, will PMI cover it?

This is a crucial point. Private medical insurance covers the diagnosis of your symptoms. If those tests reveal a new chronic condition that you were previously unaware of, your policy will cover the initial diagnosis and may cover treatment to get the condition to a stable point. However, the long-term, ongoing management of that chronic condition would then typically be excluded from future cover and would be managed by the NHS. The primary benefit of PMI here is the speed of diagnosis, which is critical for managing such conditions effectively from the outset.

Take Control of Your Health Today

The silent epidemic of hidden hunger is real, and its long-term impact on the health and wealth of Britons is a serious concern. Feeling tired, foggy, and run-down is not a normal part of modern life—it's a warning sign from your body that it's missing the essential tools it needs to thrive.

Waiting lists are long and the path to a clear diagnosis on the NHS can be slow and frustrating. A private medical insurance policy gives you the power to take control, providing rapid access to the diagnostics and expert advice needed to uncover your unique nutritional status and build a foundation of lasting vitality.

Don't let hidden hunger rob you of your energy, your health, and your future. Let our expert team at WeCovr, highly rated for customer satisfaction, help you find the perfect PMI policy to shield your well-being. It costs you nothing to compare, and the peace of mind is priceless.

[Click here to get your free, no-obligation PMI quote from WeCovr and start your journey to optimal health today.]


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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:

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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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