WeCovr.

Login

UK Nutrient Crisis Half of Britons Deficient

UK Nutrient Crisis Half of Britons Deficient 2025

As an FCA-authorised expert with over 800,000 policies of various kinds arranged, WeCovr is committed to helping you navigate the complexities of private medical insurance in the UK. This article explores a silent health crisis impacting millions and explains how the right health cover can provide a crucial safety net for your long-term vitality.

Shocking New Data Reveals Over 1 in 2 Working Britons Secretly Battle Critical Micronutrient Deficiencies, Fueling a Staggering £4.1 Million+ Lifetime Burden of Chronic Fatigue, Cognitive Fog, Increased Illness, and Eroding Professional Performance – Is Your PMI Pathway to Advanced Nutritional Diagnostics & LCIIP Shielding Your Foundational Vitality & Future Longevity

It’s a quiet epidemic unfolding in offices, homes, and boardrooms across the United Kingdom. On the surface, we are a nation of professionals, pushing boundaries and driving industries forward. Beneath the surface, however, a startling number of us are running on empty.

Recent analysis and data from national surveys paint a concerning picture: more than half of working-age adults in the UK may be grappling with deficiencies in one or more essential micronutrients. This isn't just about feeling a bit tired. It's a foundational issue that can snowball into a lifetime of health challenges, quietly sabotaging our energy, cognitive function, and professional ambition.

The economic fallout is just as alarming. The estimated lifetime burden of these deficiencies—factoring in lost productivity, increased healthcare needs, and diminished career progression—could exceed a staggering £4.1 million per individual case of severe, chronic health decline. The question is no longer just about diet; it's about diagnosis, protection, and securing your future. Private Medical Insurance (PMI) and associated protection like Life and Critical Illness Insurance Protection (LCIIP) are emerging as essential tools in this fight.

The Silent Epidemic: Unpacking the UK's Micronutrient Crisis

We often focus on macronutrients—carbohydrates, proteins, and fats. But it’s the micronutrients—the vitamins and minerals required in tiny amounts—that orchestrate our body's essential functions. They are the spark plugs for our metabolism, the architects of our immune system, and the guardians of our brain health.

When they are missing, the entire system begins to falter.

According to the UK's latest National Diet and Nutrition Survey (NDNS), significant portions of the population are failing to meet recommended intakes for key nutrients:

  • Iron: Almost half of girls aged 11 to 18 and over a quarter of women aged 19 to 64 have low iron intakes, putting them at risk of iron-deficiency anaemia, which causes profound fatigue and poor concentration.
  • Vitamin D: The "sunshine vitamin" is a major concern. Across all age groups, there is widespread evidence of poor vitamin D status, essential for bone health and immune function. During winter months, deficiency is incredibly common.
  • Folate: A significant percentage of women of childbearing age have folate levels below the threshold recommended for preventing neural tube defects in babies, but folate is also crucial for energy production and mental health in all adults.
  • Magnesium & Selenium: Often overlooked, these minerals are vital for muscle function, sleep quality, and antioxidant defence. Intake levels are consistently below recommendations for many adults.

Table: Key Micronutrients and Their Impact on Performance

MicronutrientPrimary Role in the BodySigns of Deficiency in a Professional Setting
IronOxygen transport in blood, energy productionFatigue, brain fog, shortness of breath, pale skin
Vitamin DImmune function, bone health, mood regulationFrequent illness, low mood, bone and back pain
B VitaminsEnergy metabolism, nerve function, cognitive performanceLow energy, poor memory, irritability, "crashing"
MagnesiumMuscle relaxation, sleep regulation, stress responseMuscle cramps, poor sleep, anxiety, high stress levels
ZincImmune support, wound healing, cognitive functionWeakened immunity, slow healing, hair loss, poor focus

These aren't abstract health concerns; they manifest as tangible, day-to-day struggles that many people mistake for normal stress or burnout.

The Hidden Costs: How Deficiencies Erode Your Health and Wealth

The estimated £4.1 million lifetime burden isn't just a headline figure. It represents the compounding cost of a life lived at less than full capacity. Let's break down how these hidden deficiencies can impact you.

  1. Eroding Professional Performance & Income:

    • Cognitive Fog: Struggling to focus in meetings, taking longer to complete tasks, making simple errors. A lack of B vitamins or iron can directly impair neurotransmitter function.
    • Chronic Fatigue: This is more than just tiredness. It's a persistent state of exhaustion that coffee can't fix, leading to "presenteeism"—being at work but not being productive.
    • Lost Opportunities: When you're not at your best, you're less likely to volunteer for that new project, push for a promotion, or have the energy for networking. Over a 40-year career, this can lead to a significant income gap.

  2. Increased Illness & Healthcare Utilisation:

    • Weakened Immunity: Low levels of Vitamin C, D, and Zinc make you more susceptible to every cold, flu, and bug going around the office, resulting in more sick days.
    • Slower Recovery: When you do get ill, a nutrient-deficient body takes longer to bounce back, extending your time away from work and life.
    • Escalation to Chronic Issues: While PMI does not cover chronic conditions, untreated deficiencies can contribute to the development of more serious health problems over time. Investigating the acute symptoms that lead to a diagnosis is where PMI plays a vital role.

  3. Diminished Quality of Life:

    • Low Mood & Anxiety: The gut-brain axis is heavily influenced by nutrient status. Deficiencies in magnesium, B vitamins, and omega-3s are linked to poorer mental health.
    • Poor Sleep: A lack of magnesium can disrupt the sleep-wake cycle, leading to a vicious circle of fatigue and poor recovery.
    • Inability to Enjoy Hobbies: When your weekends are spent just trying to recover from the work week, there's little energy left for family, friends, and activities that bring you joy.

The NHS vs. Private Pathway: Getting the Right Diagnostics

If you feel persistently unwell, your first port of call is rightly your NHS GP. However, the pathways for diagnosing potential nutrient deficiencies can differ significantly between the NHS and a private route accessed via PMI.

The Critical Distinction: It is crucial to understand that standard UK private medical insurance is designed to cover the diagnosis and treatment of new, acute conditions that arise after your policy begins. It does not cover pre-existing conditions or the ongoing management of chronic illnesses.

So, how does this apply to nutrient deficiencies?

  • You can't buy PMI to manage a known iron deficiency.
  • However, if you develop new symptoms like sudden, severe fatigue, heart palpitations, and shortness of breath, your PMI policy could cover the consultations and diagnostic tests needed to find the cause. If those tests reveal a previously unknown, severe deficiency as the root of your acute symptoms, the investigation would likely be covered under your policy's outpatient limits.

Table: Comparing Diagnostic Pathways for Vague Symptoms (e.g., Severe Fatigue)

FeatureNHS PathwayPrivate Pathway (via PMI with Outpatient Cover)
Initial AccessWait for a GP appointment, which can take days or weeks.Access to a Digital GP service often within hours. Fast-track referral to a specialist consultant.
Referral TimeReferral to a specialist can have a waiting list of many weeks or months.Specialist appointment typically available within days or weeks.
Scope of TestingGPs often start with a basic Full Blood Count. More comprehensive nutrient panels are ordered only if clinically indicated by initial results or specific symptoms.A consultant may order a more comprehensive set of diagnostic tests upfront to rule out multiple potential causes quickly.
Proactive ScreeningGenerally not available. The NHS is a reactive service, treating illness as it arises.While not for screening, the diagnostic process can be more thorough and swift, uncovering issues proactively.
EnvironmentNHS hospitals and clinics.Private hospitals, often with more flexible appointment times and enhanced comfort.

As an expert PMI broker, WeCovr can help you find a policy with a robust outpatient cover limit, which is essential for ensuring you have access to these vital diagnostic services when you need them most.

Your PMI Options for Nutritional Support and Diagnostics

A modern private health cover policy is much more than just hospital beds and surgery. The best PMI providers now include a suite of benefits designed to support your overall wellbeing, helping you stay healthy and get answers quickly when you're not.

Key Policy Features to Look For:

  1. Comprehensive Outpatient Cover: This is non-negotiable. It covers the costs of specialist consultations and diagnostic tests that don’t require a hospital stay. Without it, your PMI is of limited use for investigating issues like fatigue or cognitive fog.
  2. Digital GP Services: Most top-tier policies include a 24/7 digital GP app. This allows you to speak with a doctor via phone or video call, often within a few hours, to get immediate advice and a referral if needed.
  3. Wellness and Mental Health Support: Many insurers now offer access to helplines for stress, anxiety, and even nutritional advice. Some provide discounts on gym memberships and health screenings.
  4. Provider Network: Ensure the policy gives you access to a wide network of high-quality private hospitals and clinics across the UK.

Finding the right combination of benefits can be daunting. This is where using a specialist broker is invaluable. We help you compare policies from leading UK insurers to find the one that best matches your needs and budget, at no extra cost to you.

What is LCIIP and How Does It Shield Your Financial Future?

PMI is for diagnosis and treatment. But what happens if a health issue becomes so severe it stops you from working? This is where Life and Critical Illness Insurance Protection (LCIIP) comes in. This isn't a standard term, but a way of describing the combined safety net of:

  • Critical Illness Cover: Pays out a tax-free lump sum if you are diagnosed with a specific, serious illness listed on the policy (e.g., a heart attack, stroke, or certain types of cancer). While a nutrient deficiency itself isn't a critical illness, it could, in extreme and rare cases, lead to a covered condition like severe heart failure from anaemia.
  • Income Protection: Provides a regular monthly income if you're unable to work due to illness or injury, helping you cover your bills while you recover.
  • Life Insurance: Pays a lump sum to your loved ones if you pass away.

PMI and LCIIP work together perfectly. PMI helps you get treated quickly to hopefully prevent a critical illness, while LCIIP provides a financial cushion if the worst happens. At WeCovr, we understand the importance of a complete protection portfolio and offer discounts on other types of cover when you purchase PMI or Life Insurance through us.

Proactive Steps to Reclaim Your Foundational Vitality

Insurance is a crucial safety net, but the first line of defence is always your own lifestyle. Here are some actionable steps you can take today to support your nutrient levels.

  • Adopt a "Food First" Philosophy: Aim for a diet rich in a variety of whole foods. Think colourful fruits and vegetables, lean proteins (meat, fish, beans, lentils), whole grains, and healthy fats (nuts, seeds, olive oil).
  • Smart Supplementation: Don't guess, test. Blindly taking supplements can be ineffective or even harmful. The best approach is to get tested to identify specific deficiencies and then supplement under medical guidance.
  • Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. This is when your body repairs itself. A lack of sleep can disrupt hormones that regulate appetite and stress, further impacting your nutritional status.
  • Manage Stress: Chronic stress depletes key nutrients like magnesium and B vitamins. Incorporate stress-management techniques like mindfulness, meditation, gentle exercise, or simply spending time in nature.
  • Track Your Intake: Understanding your current eating habits is the first step to improving them. As a WeCovr client, you get complimentary access to our AI-powered calorie and nutrient tracking app, CalorieHero, to help you see where the gaps might be in your diet.

Finding the Best PMI Provider with WeCovr

Navigating the private medical insurance UK market can feel overwhelming. With dozens of providers and complex policy documents, it's hard to know if you're getting the right cover at the best price.

That’s where we come in.

WeCovr is an independent, FCA-authorised broker. Our job is to work for you, not the insurance companies.

  • We Listen: We take the time to understand your health concerns, your lifestyle, and your budget.
  • We Compare: We use our expertise to compare policies from across the market, including major providers like Bupa, Aviva, AXA Health, and Vitality.
  • We Explain: We break down the jargon and clearly explain the differences in cover, especially crucial elements like outpatient limits and wellness benefits.
  • We Support: Our service is completely free for you to use, and we have a strong track record of high customer satisfaction.

Protecting your health is the single most important investment you can make. Don't let a silent nutrient deficiency undermine your future.


Does private medical insurance cover tests for vitamin and mineral deficiencies?

Generally, private medical insurance (PMI) does not cover routine screening or tests for deficiencies without symptoms. However, if you develop a new, acute medical condition after your policy starts (for example, severe fatigue, heart palpitations, or sudden cognitive decline), your PMI policy could cover the cost of specialist consultations and diagnostic tests required to find the underlying cause. If these tests reveal a previously unknown nutrient deficiency is responsible for your acute symptoms, the investigation process would typically be covered under your outpatient benefits. It's crucial to remember PMI does not cover pre-existing or chronic conditions.

Can I get PMI if I already know I have a nutrient deficiency?

Yes, you can still get private medical insurance. However, the known nutrient deficiency and any related health conditions would be classed as a "pre-existing condition." Standard PMI policies do not cover pre-existing conditions, meaning you could not claim for consultations, tests, or treatment related to that specific deficiency. The policy would be there to cover you for new, eligible acute conditions that arise after you join.

What is the most important feature in a PMI policy for investigating health issues?

For investigating undiagnosed symptoms, the most critical feature is a comprehensive outpatient cover limit. This benefit pays for specialist consultations and diagnostic tests (like blood tests, MRI scans, and endoscopies) that do not require an overnight hospital stay. Without good outpatient cover, you would have to pay for these expensive diagnostic procedures yourself, even if you have PMI for inpatient treatment. A broker like WeCovr can help you find a policy with the right level of outpatient cover for your peace of mind.

How can a PMI broker like WeCovr help me?

An expert private health cover broker like WeCovr acts as your advocate in the complex insurance market. We save you time and money by comparing policies from a wide range of top UK insurers to find the best fit for your needs and budget. We explain the key differences in cover, demystify the jargon, and ensure there are no hidden surprises. As we are authorised by the Financial Conduct Authority (FCA), you can be assured of professional, regulated advice. Our service is provided at no cost to you.

Take the first step towards protecting your long-term health and professional future. Get your free, no-obligation private medical insurance quote from WeCovr today and discover how affordable peace of mind can be.

Get A Free Quote

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

Our Group Is Proud To Have Issued 800,000+ Policies!

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

How It Works

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

Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Learn more

...

Who Are WeCovr?

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

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

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

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2025 WeCovr. Made with in London