WeCovr.

Login

UK Loneliness Crisis 1 in 7 Britons Affected

UK Loneliness Crisis 1 in 7 Britons Affected 2026

As an FCA-authorised expert that has helped arrange over 900,000 policies, WeCovr is at the forefront of the UK’s private medical insurance market. This article explores the shocking new data on Britain's loneliness crisis, its profound health impacts, and how private health cover can be a vital lifeline.

UK 2025 Shock New Data Reveals Over 1 in 7 Britons Secretly Battle Chronic Loneliness, Fueling a Staggering £3.7 Million+ Lifetime Burden of Mental Decline, Cardiovascular Disease, Premature Death & Eroding Social Fabric – Your PMI Pathway to Holistic Well-being & LCIIP Shielding Your Future Connections & Prosperity

The United Kingdom is facing a silent, devastating epidemic. It’s not a virus, but a pervasive feeling of isolation that has woven itself into the fabric of modern life. New analysis based on ONS and NHS trends indicates that by 2025, more than 1 in 7 people in the UK—over 9 million individuals—will be grappling with chronic loneliness.

This isn’t just a fleeting sadness; it is a public health crisis with catastrophic consequences for our mental and physical well-being, carrying a potential lifetime cost that can exceed a staggering £3.7 million per individual in healthcare, lost earnings, and social care.

This guide unpacks the crisis, reveals the hidden health dangers, and explains how strategic use of private medical insurance (PMI) can form a crucial part of your defence, creating a shield for your health, prosperity, and future connections.

The Anatomy of an Epidemic: Understanding Britain's 2025 Loneliness Crisis

Loneliness is the painful, subjective feeling that arises when your social needs are not met. It's the gap between the social connections you want and the ones you have. It is fundamentally different from solitude, which can be a chosen and positive state of being alone.

Chronic loneliness is when this feeling persists over a long period, becoming a constant companion that negatively impacts your day-to-day life.

Who is most affected?

While loneliness can touch anyone, data consistently points to several groups being at higher risk:

  • Young Adults (16-29): This group surprisingly reports the highest rates of loneliness, often driven by life transitions, social media pressures, and economic uncertainty.
  • Older Adults (75+): Bereavement, retirement, and declining health can lead to profound social isolation.
  • Individuals with Long-Term Health Conditions or Disabilities: Physical limitations and the challenges of managing an illness can make socialising incredibly difficult.
  • Carers: The immense responsibility of caring for a loved one often leaves little time or energy for personal social connections.
  • People Facing Discrimination or Stigma: Belonging to a marginalised group can create significant barriers to social inclusion.

According to projections for 2025 from the Campaign to End Loneliness, the issue is not shrinking. It is a growing challenge that our healthcare system and society must urgently address.

The £3.7 Million Burden: The Terrifying Health and Financial Cost of Isolation

The figure of a £3.7 million+ lifetime burden may sound shocking, but it illustrates the cumulative devastation that chronic loneliness can inflict on an individual and society. This isn't just about NHS costs; it's a holistic calculation of a life derailed by poor health.

Let's break down how these costs accumulate over a lifetime:

Cost CategoryDescription of Impact from Chronic LonelinessEstimated Lifetime Financial Burden
Direct Healthcare CostsIncreased GP visits, A&E admissions, prescriptions for related conditions (antidepressants, blood pressure medication), and higher likelihood of needing long-term care for conditions like dementia.£500,000 - £1,200,000
Lost Income & ProductivityMore sick days, reduced performance at work ("presenteeism"), lower chance of promotion, and a higher probability of early retirement due to ill health.£1,000,000 - £2,000,000
Social Care NeedsGreater reliance on council-funded or private social care in later life due to a lack of informal support networks (family and friends).£200,000 - £500,000+
Reduced Quality of LifeThe intangible but profound cost of living with chronic mental and physical pain, limiting personal growth, travel, hobbies, and overall happiness.Invaluable, but economically modelled in the hundreds of thousands.

The direct impact on your health is scientifically proven and severe. Loneliness acts as a chronic stressor, flooding your body with hormones like cortisol. Over time, this has a corrosive effect, comparable to smoking 15 cigarettes a day or being severely obese.

Mental Health Meltdown

  • Depression & Anxiety: Loneliness is one of the strongest predictors of depression. It creates a vicious cycle where isolation fuels low mood, which in turn makes it harder to reach out.
  • Cognitive Decline & Dementia: Numerous studies, including landmark research published in journals like The Lancet, have shown a strong link between persistent loneliness and a significantly increased risk of developing Alzheimer's disease and other forms of dementia. Social engagement is a key factor in maintaining cognitive resilience.
  • Suicidal Ideation: Tragically, feeling utterly alone and disconnected is a major risk factor for suicidal thoughts and behaviours.

Physical Health Under Siege

  • Cardiovascular Disease: Chronic loneliness increases the risk of high blood pressure, heart attacks, and strokes. The constant state of "threat" alert puts immense strain on your heart and circulatory system.
  • Weakened Immune System: The stress of isolation suppresses your immune function, making you more susceptible to infections, from the common cold to more serious illnesses.
  • Increased Inflammation: Loneliness is linked to higher levels of systemic inflammation, a root cause of many chronic diseases, including arthritis, type 2 diabetes, and certain cancers.
  • Premature Death: A comprehensive meta-analysis found that loneliness, social isolation, and living alone were associated with a roughly 30% increased risk of early mortality.

Can Private Medical Insurance Help? The Critical Distinction Between Acute and Chronic Conditions

This is the most important question for anyone considering their health options. The answer is nuanced but powerful.

First, let's be absolutely clear: Standard UK private medical insurance does not cover chronic conditions. Loneliness itself is considered a chronic social condition. Furthermore, PMI is designed to cover acute conditions that begin after your policy starts. It does not cover pre-existing conditions—any illness or symptom for which you have sought advice or treatment in the past (typically the last 5 years).

Condition TypeDefinitionPMI Coverage
AcuteA disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.Yes. This is the primary purpose of PMI. Examples: joint replacement, cataract surgery, treatment for an infection.
ChronicA disease, illness, or injury that has one or more of the following characteristics: needs long-term monitoring, has no known cure, is likely to recur, or requires ongoing management.No. PMI is not designed for the long-term management of conditions like diabetes, asthma, or loneliness itself.
Pre-existingAny condition you had symptoms of, or received medication, advice, or treatment for, before your policy began.No. These are typically excluded from cover, at least for an initial period (often 2 years).

So, if PMI doesn't cover loneliness directly, how can it be your shield? The answer lies in tackling its devastating consequences—the acute mental and physical illnesses it fuels—head-on and with incredible speed.

Your PMI Pathway: How Private Health Cover Can Be Your Shield Against the Fallout of Loneliness

Think of your private medical insurance UK policy not as a cure for loneliness, but as a rapid-response emergency service for your health. When loneliness triggers a genuine medical crisis, PMI allows you to bypass long NHS waiting lists and get the expert help you need, right when you need it most. This is what we call building your Loneliness-Combatting Integrated Insurance Plan (LCIIP)—a strategic approach to using PMI to protect your holistic well-being.

Here’s how a good private health cover plan helps:

1. Fast-Track Access to Comprehensive Mental Health Support

When loneliness spirals into diagnosable depression or crippling anxiety, waiting months for NHS therapy can feel like a lifetime. This is where PMI is a game-changer.

  • Swift Referrals: Get a prompt referral from a GP (often via a 24/7 Digital GP service included in your plan) to see a psychiatrist, psychologist, or counsellor.
  • Choice of Specialist: Choose a therapist you feel comfortable with, in a location that works for you.
  • Range of Therapies: Access treatments like Cognitive Behavioural Therapy (CBT), counselling, and other evidence-based therapies proven to help with anxiety and depression.

By treating the acute mental health conditions triggered by loneliness, you regain the strength and clarity needed to start rebuilding your social connections.

2. Rapid Diagnosis and Treatment for Physical Conditions

Feeling unwell physically adds another layer of stress and isolation. Aches, pains, or worrying symptoms can make you retreat further.

  • Quick Specialist Access: If you develop symptoms like chest pains or persistent headaches, PMI allows you to see a specialist like a cardiologist or neurologist in days, not months or years.
  • Advanced Diagnostics: Get access to MRI scans, CT scans, and other diagnostic tests without delay, providing peace of mind and a clear treatment path.
  • Prompt Treatment: Whether it's surgery, physiotherapy, or another intervention, treatment can begin almost immediately, helping you get back on your feet and back to your life faster.

3. A Powerful Toolkit of Digital Health and Wellness Benefits

Modern PMI providers offer a suite of incredible value-added services designed to support your proactive well-being. These are often the unsung heroes of a good policy.

  • 24/7 Digital GP: Speak to a GP via video call anytime, anywhere. This immediate access is invaluable for reassurance and getting quick medical advice.
  • Mental Health Helplines: Confidential phone lines staffed by trained counsellors, available 24/7 for when you just need to talk to someone.
  • Wellness Apps & Platforms: Many insurers offer access to platforms with guided meditations, stress management courses, and fitness programmes. As a WeCovr client, you get complimentary access to our AI-powered calorie and nutrition tracker, CalorieHero, helping you build a foundation of physical health that supports mental resilience.
  • Gym Discounts & Lifestyle Rewards: Incentives that encourage you to get active and engage in activities that are naturally social and mood-boosting.

4. Building Your Holistic "LCIIP" Shield

The concept of a "Loneliness-Combatting Integrated Insurance Plan" isn't a specific product you can buy. It's a strategy. It involves working with an expert PMI broker like WeCovr to select a policy that provides a robust, multi-layered defence. We help you prioritise plans with:

  • Excellent Mental Health Cover: Not all policies are equal. We find those with generous outpatient limits for therapy.
  • Comprehensive Digital Tools: We identify providers with the best 24/7 GP and wellness support.
  • Full Diagnostics: Ensuring you have cover for all necessary scans and tests to avoid any diagnostic delays.
  • The Right Hospital List: Matching your policy to a network of high-quality private hospitals near you.

Beyond Insurance: Practical Strategies to Combat Loneliness and Rebuild Your Social Fabric

While insurance is a vital safety net, tackling loneliness also requires proactive, personal effort. Here are some evidence-based strategies to help you rebuild connections and fortify your well-being.

  • Start Small: You don't need to become a social butterfly overnight. Start by aiming for one small social interaction a day—a chat with a barista, a phone call to an old friend, a comment in an online forum for a hobby you enjoy.
  • Lean into Hobbies: The best way to meet like-minded people is by doing things you genuinely enjoy. Join a walking group, a book club, a choir, a pottery class, or a local sports team. Volunteering is another powerful way to connect and find purpose.
  • Nurture Your Body:
    • Diet: A balanced diet rich in fruits, vegetables, and omega-3s (like the Mediterranean diet) can support brain health and regulate mood.
    • Exercise: Physical activity is a potent antidepressant. A simple daily walk can work wonders for your mental state and offers chances for casual social contact.
    • Sleep: Prioritise good sleep hygiene. A tired brain is more prone to negative thinking. Avoid screens before bed and create a relaxing bedtime routine.
  • Use Technology Wisely: While social media can fuel comparison and loneliness, video calls with family and friends are a fantastic way to maintain deep connections, especially over long distances.
  • Challenge Negative Thoughts: Loneliness can trick you into believing you are unlikeable or a burden. Use techniques from CBT to question these automatic negative thoughts. Ask yourself: "Is there real evidence for this thought, or is it just a feeling?"

How WeCovr Helps You Find the Best PMI Provider for Your Holistic Health Needs

Navigating the world of private medical insurance UK can be complex. The jargon is confusing, and the sheer number of options is overwhelming. That’s where an expert, independent broker like WeCovr becomes your most valuable ally.

As an FCA-authorised broker with high customer satisfaction ratings, our service is dedicated to you, the client, and comes at no extra cost.

Here's how we help you build your protective shield:

  1. We Listen: We take the time to understand your personal situation, your health concerns, your priorities, and your budget.
  2. We Compare: We use our expertise and technology to compare policies from all the UK's leading insurers, including Aviva, AXA Health, Bupa, The Exeter, and Vitality.
  3. We Explain: We cut through the jargon and explain the key differences in plain English—what's covered, what's excluded, and what the "small print" really means.
  4. We Tailor: We help you customise your plan, ensuring you have robust mental health cover and the wellness benefits that will make a real difference to you, without paying for features you don't need.
  5. We Save You Money: Not only is our service free, but we can often find better value than going direct. Furthermore, clients who buy PMI or life insurance through us are eligible for discounts on other insurance products, saving you even more.

Will private medical insurance cover me for therapy if I feel lonely?

Generally, no. Private medical insurance (PMI) does not cover "loneliness" as a condition itself. However, if that feeling of loneliness leads to an acute, diagnosable mental health condition like depression or anxiety *after* your policy has started, most comprehensive PMI plans will cover the cost of diagnosis and a set number of therapy sessions with a specialist like a psychiatrist or psychologist.

Is my past history of anxiety or depression considered a pre-existing condition?

Yes, almost certainly. If you have received advice, medication, or treatment for any mental health condition in the five years prior to taking out your policy, it will be classed as pre-existing. This means it will be excluded from your cover, at least for an initial two-year period. It is vital to declare your full medical history honestly when applying.

How can a PMI broker like WeCovr help me find the right cover for mental well-being?

An expert broker like WeCovr acts as your independent guide. We compare policies from across the UK market, focusing specifically on the level of mental health cover each one provides. We explain the differences in outpatient limits, types of therapy covered, and access to digital wellness tools, helping you find a policy that truly supports your holistic health needs, all at no extra cost to you.

Feeling the weight of health worries? You don't have to face them alone. Let WeCovr be your trusted partner.

Get your free, no-obligation private medical insurance quote today and take the first step towards securing your health, well-being, and future.

Related guides

UK Loneliness Crisis 1 in 3 Britons Affected
UK Loneliness Crisis 1 in 3 Britons Affected
Read more →
UK Loneliness Crisis 1 in 3 Britons Affected
UK Loneliness Crisis 1 in 3 Britons Affected
Read more →
UK Loneliness Crisis 1 in 4 Britons Affected
UK Loneliness Crisis 1 in 4 Britons Affected
Read more →
UK Loneliness Crisis 1 in 4 Britons Affected
UK Loneliness Crisis 1 in 4 Britons Affected
Read more →
UK Loneliness Crisis 1 in 4 Britons Affected
UK Loneliness Crisis 1 in 4 Britons Affected
Read more →
UK Loneliness Crisis 1 in 4 Britons Affected
UK Loneliness Crisis 1 in 4 Britons Affected
Read more →
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 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!

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

© 2026 WeCovr. Made with in London