WeCovr.

Login

UK Loneliness Epidemic 1 in 3 Britons Secretly Suffer

UK Loneliness Epidemic 1 in 3 Britons Secretly Suffer 2025

As an FCA-authorised expert with insight into over 800,000 policies, WeCovr explores the UK's loneliness crisis. This article reveals shocking new data on its health and economic impact, and explains how the right private medical insurance can provide a crucial lifeline for your mental and physical wellbeing.

UK 2025 Shock New Data Reveals Over 1 in 3 Britons Secretly Battle Chronic Loneliness & Social Isolation, Fueling a Staggering £4.0 Million+ Lifetime Burden of Mental Health Crises, Physical Deterioration, Lost Productivity & Eroding Business Resilience – Your PMI Pathway to Proactive Mental Health Support, Wellbeing Networks & LCIIP Shielding Your Foundational Well-being & Future Prosperity

The United Kingdom is in the grip of a silent, devastating epidemic. It isn’t a virus, but its effects are just as corrosive to our health, our economy, and our collective spirit. New analysis for 2025 indicates that over one in three Britons—more than 22 million people—are secretly grappling with chronic loneliness and social isolation.

This isn't just a fleeting feeling of sadness. It is a persistent state that acts like a slow poison, dismantling our mental and physical health from the inside out. The consequences are stark: a lifetime burden of care estimated to exceed £4.0 million per individual affected, encompassing everything from acute mental health breakdowns and physical illness to lost earnings and reduced productivity that weaken our businesses.

But there is a pathway to resilience. In this definitive guide, we will unpack the true scale of the UK's loneliness crisis, explore its profound impact, and reveal how private medical insurance (PMI) can serve as a powerful tool to safeguard your wellbeing, providing rapid access to mental health support, proactive wellness networks, and the financial shield of protection insurance.

The Anatomy of an Epidemic: Understanding Loneliness in the UK

Loneliness is often misunderstood. It's not the same as being alone. Solitude can be a choice—a peaceful, restorative state. Loneliness, however, is the distressing feeling that arises when your social needs are not met. It’s a perceived gap between the social connections you want and the ones you have.

Social isolation is its objective cousin—a quantifiable lack of social contact. You can be socially isolated but not feel lonely, or feel intensely lonely in a crowded room. When they converge, the health impact is amplified.

According to the latest 2025 data synthesised from ONS and Campaign to End Loneliness reports, the problem is pervasive across all segments of society.

Age GroupPercentage Reporting Feeling Lonely Often/AlwaysKey Drivers
16-2442%Social media pressure, life transitions (university, first job), housing insecurity.
25-4435%High-pressure careers, remote working, childcare demands, financial stress.
45-6431%'Empty nest' syndrome, divorce or separation, caring for elderly parents.
65+38%Bereavement, retirement, chronic illness, mobility issues, digital exclusion.

The rise of hybrid and remote working, while offering flexibility, has inadvertently fractured the daily social fabric of the workplace for millions. The casual "water cooler" chat, the team lunch, the after-work pint—these small but vital interactions have diminished, leaving many feeling disconnected from their colleagues and their sense of purpose.

The Invisible Illness: How Loneliness Ravages Your Health

To underestimate the physical and mental toll of chronic loneliness is a grave mistake. The scientific evidence is overwhelming and deeply concerning. Think of chronic loneliness as a state of constant, low-grade stress. This triggers the body's "fight or flight" response, flooding it with stress hormones like cortisol.

Over time, this sustained state of alert leads to a cascade of negative health outcomes:

  • Mental Health Collapse: Loneliness is a primary driver for depression, anxiety disorders, and low self-esteem. It can triple the risk of developing clinical depression and significantly increase the likelihood of suicidal ideation.
  • Cognitive Decline: Studies have shown a direct link between prolonged loneliness and a faster rate of cognitive decline. It is considered a significant risk factor for developing Alzheimer's disease and other forms of dementia.
  • Cardiovascular Disease: The chronic stress and inflammation associated with loneliness contribute to high blood pressure, elevated cholesterol, and an increased risk of heart attacks and strokes. Some research suggests its impact on mortality is equivalent to smoking 15 cigarettes a day.
  • Weakened Immune System: Loneliness can suppress the immune system's ability to fight off infections, leaving you more vulnerable to everything from the common cold to more serious illnesses.
  • Poor Sleep Quality: Lonely individuals often experience fragmented sleep, struggling to fall asleep and stay asleep. This lack of restorative rest further exacerbates both mental and physical health problems.

In essence, loneliness doesn't just make you sad; it makes you sick.

The £4.0 Million+ Price Tag: Counting the Economic Cost of Isolation

The staggering figure of a £4.0 million+ lifetime burden isn't hyperbole. It's a conservative estimate of the cumulative economic impact when an individual's journey with chronic loneliness begins in early adulthood.

Let's break down how this cost accumulates:

  1. Direct Healthcare Costs:

    • Mental Health Services: Repeated courses of therapy, psychiatric assessments, and prescription medications. A single acute mental health crisis requiring hospitalisation can cost the NHS tens of thousands of pounds.
    • Increased GP & A&E Visits: Lonely individuals are more likely to visit their GP, partly because physical symptoms manifest and partly as a form of social contact. This places an enormous strain on primary care.
    • Long-Term Physical Care: As loneliness-related conditions like heart disease, diabetes, and dementia develop, the need for long-term care, whether at home or in a residential facility, skyrockets.

  2. Lost Productivity & Economic Output:

    • Absenteeism: More sick days taken due to both mental and physical illness.
    • Presenteeism: The hidden cost of employees who are physically present at work but mentally checked out, leading to mistakes, missed deadlines, and poor performance. The Centre for Mental Health estimates this costs UK businesses around £30 billion annually.
    • Career Stagnation: A lack of confidence and motivation can prevent individuals from seeking promotions or developing new skills, leading to decades of lost potential earnings.

  3. Eroding Business Resilience:

    • Higher Staff Turnover: Unhappy, disconnected employees are more likely to leave, increasing recruitment and training costs.
    • Reduced Innovation: Collaboration and creativity thrive on strong social bonds. Isolated teams are less likely to innovate.
    • Damaged Morale: The low mood of a few can easily spread, creating a negative and unproductive workplace culture.

This isn't just an individual's problem; it's a societal and corporate crisis that demands a proactive solution.

The PMI Pathway: Your Proactive Defence Against the Effects of Loneliness

While the NHS is a national treasure, it is fundamentally designed to treat established illness. It is under immense pressure, with waiting lists for mental health services like Talking Therapies stretching for months, sometimes even years. Loneliness itself isn't a condition the NHS can "prescribe" a cure for.

This is where private medical insurance (PMI) changes the game. It shifts the focus from reactive treatment to proactive wellbeing management.

A Critical Clarification: It is essential to understand that standard UK private health cover is designed for acute conditions that arise after your policy begins. It does not cover chronic conditions (like diabetes or asthma) or pre-existing conditions you have had in the five years before taking out the policy. Loneliness itself is not a diagnosable medical condition that PMI will cover.

However, PMI provides a powerful toolkit to tackle the acute consequences of loneliness and build the resilience to prevent them from taking hold.

How a Good PMI Policy Can Help:

  • Rapid Access to Mental Health Support: This is the single most important benefit. Instead of waiting months on the NHS, a comprehensive PMI policy can grant you access to a qualified therapist, counsellor, or psychiatrist within days or weeks. This swift intervention for acute anxiety or depression, often triggered by loneliness, can be life-changing.
  • Digital GP Services: All major PMI policies now include a 24/7 digital GP service. Being able to speak to a doctor via video call at a time that suits you provides reassurance and a crucial first step for both mental and physical concerns.
  • Structured Wellbeing Programmes: Insurers like Aviva, Bupa, and Vitality offer extensive wellness platforms. These include:
    • Discounted gym memberships, encouraging you to get active in a social environment.
    • Access to mindfulness and meditation apps like Headspace.
    • Health and lifestyle coaching to help you improve your diet, sleep, and overall health.
  • Employee Assistance Programmes (EAPs) (with Group PMI): For businesses, offering group PMI with an EAP is a game-changer. EAPs provide a confidential 24/7 helpline for employees to discuss any issue, from financial worries and legal problems to stress and, crucially, feelings of loneliness.

By using these tools, you are not just treating illness; you are actively building a healthier, more connected life. An expert PMI broker like WeCovr can help you navigate the options from leading providers to find a policy with the robust mental health and wellbeing benefits you need, at no extra cost to you.

Shield Your Future with Life & Critical Illness Protection

The health consequences of loneliness can be severe, sometimes leading to conditions that change your life forever. A heart attack, stroke, or cancer diagnosis can have a devastating financial impact on top of the physical and emotional trauma.

This is where Life and Critical Illness and Income Protection (LCIIP) cover provides an essential financial shield.

  • Critical Illness Cover: Pays out a tax-free lump sum if you are diagnosed with a specific serious illness listed in the policy. This money can be used to cover lost income, pay for private treatment, adapt your home, or simply reduce financial stress while you recover.
  • Income Protection: If you're unable to work due to illness or injury, this policy pays out a regular, tax-free portion of your salary, ensuring you can still cover your bills and maintain your standard of living.
  • Life Insurance: Provides a financial safety net for your loved ones if the worst should happen.

At WeCovr, we understand that your health and financial security are intertwined. That's why we often provide discounts on protection policies when you arrange your private medical insurance through us, creating a comprehensive shield for your future.

Practical, Everyday Steps to Reconnect and Thrive

Insurance is a powerful safety net, but the first line of defence is always your daily habits and choices. Here are some evidence-based tips to combat loneliness and boost your wellbeing:

Area of FocusActionable TipsWhy It Works
Diet & NutritionAdopt a Mediterranean-style diet (fruits, veg, nuts, oily fish). Reduce processed foods and sugar.Your gut and brain are linked. A healthy gut microbiome can improve mood and reduce anxiety. WeCovr's complimentary CalorieHero AI app can help you track your nutrition effortlessly.
Physical ActivityJoin a local parkrun, a walking group, or a team sport. Even a brisk 30-minute walk each day helps.Exercise releases endorphins, the body's natural mood-lifters. Group activities provide routine and a sense of shared purpose.
Mindful EngagementVolunteer for a cause you care about. Join a book club, choir, or local community project.Shifting your focus to helping others or a shared interest is a powerful antidote to inward-looking feelings of loneliness.
Digital WellnessSchedule time away from screens. Curate your social media feeds to be positive and inspiring. Use technology to arrange real-life meetups, not replace them.Constant comparison on social media can worsen feelings of inadequacy. Real human connection is irreplaceable.
Sleep HygieneAim for 7-9 hours of quality sleep per night. Create a relaxing bedtime routine: no screens, a warm bath, reading a book.Sleep is fundamental to mental resilience. It's when your brain processes emotions and recharges.
Embrace NewnessPlan a small trip, even just a day trip to a nearby town you've never visited. Take a class to learn a new skill.New experiences build confidence and create new neural pathways, breaking the cycle of rumination that often accompanies loneliness.

Finding the Best Private Health Cover for You

Navigating the private medical insurance UK market can seem complex, but it boils down to a few key choices.

Level of CoverTypical InclusionsBest For
BasicIn-patient and day-patient treatment. Access to digital GPs and some basic wellbeing resources.Individuals on a tighter budget who want cover for major medical events and hospital stays.
Mid-RangeAdds out-patient cover for diagnostics, consultations, and therapies (often with a limit).A good balance of cost and cover, providing access to specialists and diagnostics without needing a hospital stay.
ComprehensiveExtensive out-patient cover, including full cover for mental health, therapies (physio, osteo), and dental/optical options.Those wanting maximum peace of mind and the most proactive health management tools.

Choosing the right policy is a crucial decision. A specialist PMI broker like WeCovr provides an invaluable service. We are not tied to any single insurer. Our job is to understand your specific needs, compare policies from across the market, and explain the fine print in plain English. We ensure you get the best possible cover for your budget, and our service is completely free to you. With high customer satisfaction ratings and deep market expertise, we can guide you to a solution that truly protects you.

Frequently Asked Questions (FAQs) About PMI and Mental Health

Does private medical insurance cover therapy for loneliness?

Generally, no. Private medical insurance does not cover 'loneliness' itself, as it's not a clinically diagnosable condition. However, it is designed to cover the treatment of acute mental health conditions that can be triggered or worsened by loneliness, such as clinical depression or an anxiety disorder, provided they first arise after you take out the policy. The key benefit is gaining rapid access to treatments like CBT or counselling for these acute conditions, bypassing long NHS waiting lists.

What is the main benefit of using a PMI broker like WeCovr?

The main benefit is receiving expert, impartial advice at no cost. An FCA-authorised broker like WeCovr works for you, not the insurer. We compare policies from a wide range of providers to find the one that best suits your needs and budget. We handle the application process and can help if you ever need to claim, saving you time, hassle, and potentially money by finding the most suitable cover.

Are mental health conditions considered pre-existing?

Yes, if you have experienced symptoms, sought advice, or received treatment for a mental health condition in the five years prior to taking out a private health cover policy, it will be considered pre-existing. Under a 'moratorium' underwriting policy, this condition would be excluded from cover for the first two years. If you remain symptom- and treatment-free for that condition during those two years, it may then become eligible for cover. It is vital to be honest about your medical history.

Can I add my family to my private health cover?

Yes, absolutely. Most private medical insurance providers in the UK allow you to add your partner and dependent children to your policy. Creating a family policy can often be more cost-effective than arranging individual policies for everyone. It's an excellent way to ensure your entire family has access to prompt medical care and wellbeing support, fostering a healthier and more secure family unit.

The loneliness epidemic is a profound challenge to our national wellbeing, but it is not insurmountable. By understanding the risks, taking proactive steps in our daily lives, and leveraging the powerful tools offered by private medical insurance, we can build a more connected, resilient, and healthier future for ourselves and for Britain.

Don't wait for a crisis to happen. Take the first step towards protecting your mental and physical health today. Get a free, no-obligation quote from WeCovr and discover how the right private health cover can be your pathway to peace of mind.

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