WeCovr.

Login

UK Nutrient Deficiency Crisis Half of Britons Affected

UK Nutrient Deficiency Crisis Half of Britons Affected 2026

As an FCA-authorised insurance expert that has helped arrange over 900,000 policies, WeCovr is at the forefront of the UK’s health and wellness conversation. This article explores the growing nutrient deficiency crisis and how private medical insurance can offer a powerful solution for safeguarding your long-term health.

Shocking New Data Reveals Over Half of Britons Secretly Battle Widespread Micronutrient Deficiencies, Fueling a Staggering £3.5 Million+ Lifetime Burden of Chronic Fatigue, Impaired Immunity, Mental Health Decline & Accelerated Aging – Discover Your PMI Pathway to Advanced Nutritional Diagnostics, Personalised Wellness Plans & LCIIP Shielding Your Foundational Health & Future Longevity

A silent health crisis is unfolding across the United Kingdom. It doesn’t grab headlines like a pandemic, yet it quietly erodes the health, vitality, and future of millions. Recent data paints a stark picture: a significant portion of the British population, potentially over half, is living with suboptimal levels of essential vitamins and minerals.

This isn’t just about feeling a bit tired. This is a widespread micronutrient deficiency that is a key contributing factor to some of the most pervasive health issues of our time:

  • Chronic, unexplained fatigue that doctors struggle to diagnose.
  • Weakened immune systems leading to constant coughs, colds, and infections.
  • A decline in mental wellbeing, including anxiety, depression, and brain fog.
  • Accelerated physical aging, from poorer skin health to aching joints.

The cumulative effect is a staggering lifetime burden—a combination of lost earnings, healthcare costs, and diminished quality of life that can conceptually exceed £3.5 million for an individual whose career and health are significantly impacted.

But there is a proactive pathway forward. Private Medical Insurance (PMI) is evolving beyond a simple tool for skipping NHS queues. It is now a gateway to advanced diagnostics, personalised wellness strategies, and a new approach to health we call LCIIP (Long-term Care & Illness Indemnity Planning)—a method for shielding your foundational health today to secure your longevity tomorrow.

The Silent Epidemic: Unpacking the UK's Nutrient Deficiency Crisis

For years, we've been told to eat our "five a day" and assume we're getting all we need. However, the latest findings from the UK's National Diet and Nutrition Survey (NDNS) reveal a different, more concerning reality.

What are Micronutrients? Micronutrients are the vitamins and minerals your body needs in small amounts to function correctly. Think of them as the "spark plugs" for your body's engine. They are vital for everything from producing energy and building hormones to fighting infections and repairing cellular damage.

The NDNS data consistently highlights several key areas of concern for the UK population:

  • Iron Deficiency: Alarmingly common, especially among girls and women aged 11 to 49, with a significant percentage showing evidence of deficiency. This directly leads to anaemia, causing profound fatigue, breathlessness, and poor concentration.
  • Vitamin D Deficiency: The "sunshine vitamin" is notoriously low across the board, particularly during the autumn and winter months. The NHS now recommends a daily supplement for all Britons during this period. Low Vitamin D is linked to weakened immunity, bone pain, and mood disorders.
  • Low Folate (Vitamin B9): A critical issue for women of childbearing age due to its role in preventing birth defects, but low levels also contribute to fatigue and mood changes in the general population.
  • Magnesium and Selenium Gaps: Often overlooked, these minerals are crucial. Magnesium is involved in over 300 bodily processes, including muscle function, nerve signalling, and blood sugar control. Selenium is a powerful antioxidant essential for thyroid function and immunity. Many Britons are simply not getting enough.

Why Is This Happening in a Developed Nation?

Several factors contribute to this nutritional shortfall:

  1. Rise of Ultra-Processed Foods: Modern diets are often high in calories but poor in nutrients. Convenience foods, sugary snacks, and refined grains fill us up without nourishing us.
  2. Soil Depletion: Decades of intensive farming have stripped many essential minerals from the soil, meaning the fruit and vegetables we eat today may be less nutrient-dense than those our grandparents ate.
  3. Modern Lifestyles: Chronic stress, poor sleep, and a lack of sun exposure can deplete or inhibit the absorption of vital nutrients, creating a greater demand that our diet may not meet.

This isn't about personal failure; it's a systemic issue. The food environment and modern life are setting us up for a nutritional deficit.

The Hidden Costs: How Deficiencies Fuel a Lifetime Burden

When we talk about a "£3.5 million+ lifetime burden," it's not a bill you receive in the post. It's a conceptual calculation of the cumulative financial and personal cost of poor health over a lifetime, driven by preventable factors like nutrient deficiencies.

Let's break down how these costs accumulate:

Area of ImpactDescription of CostPotential Lifetime Financial Impact (Illustrative)
Chronic Fatigue & Lost ProductivityConstant tiredness leads to "presenteeism" (being at work but not productive), more sick days, missed promotions, and potentially being forced into a less demanding, lower-paying career.£500,000 - £1,500,000+ in lost earnings & pension contributions.
Impaired Immunity & Sick DaysFrequently falling ill means more time off work. Based on ONS data, millions of working days are lost to minor illnesses annually, impacting both individual income and national productivity.£50,000 - £150,000 in lost income over a career.
Mental Health DeclineThe link between nutrient status (B Vitamins, Vitamin D, Magnesium, Omega-3) and mental health is well-established. Costs include private therapy, prescription charges, and the career impact of conditions like anxiety and depression.£100,000 - £400,000+ including therapy and lost opportunities.
Accelerated Aging & Chronic IllnessPoor nutrition accelerates cellular damage, leading to earlier onset of age-related issues like joint pain, cognitive decline, and increased risk of chronic diseases. This incurs long-term care costs and medical expenses.£250,000 - £1,000,000+ in care and medical costs.
Diminished Quality of LifeThe intangible, yet most important cost. The inability to enjoy hobbies, travel, or time with family due to poor health. While not a direct financial figure, its value is immeasurable.Priceless

Important Note: This £3.5 million figure is an illustrative example for a high-earning individual whose career and life plans are severely derailed by chronic, undiagnosed health issues. While the exact figure varies for everyone, it powerfully demonstrates the profound long-term consequences of ignoring foundational health.

The NHS vs. The Private Pathway: Getting the Right Diagnosis

When you feel perpetually tired, anxious, or unwell, your first port of call is usually your NHS GP. The NHS is a remarkable service for acute, life-threatening emergencies, but it can be less equipped to handle the grey area of chronic, non-specific symptoms.

The NHS Approach:

  • Symptom-Driven Testing: Blood tests are typically ordered only when clear, specific clinical symptoms point towards a particular condition (e.g., testing for iron if anaemia is suspected).
  • Basic Panels: Standard tests may only check a few key markers, potentially missing less common deficiencies.
  • Long Waits: Referrals to specialists like endocrinologists or dietitians can involve lengthy waiting lists, during which time your health may continue to decline.

The Private Medical Insurance Pathway: A key benefit of private health cover is speed and control.

  • Fast-Track GP & Specialist Access: Get an appointment quickly, often within days, allowing you to discuss your concerns in-depth.
  • Comprehensive Diagnostics: A private consultant has the discretion to order advanced, comprehensive blood panels that check a wide array of vitamins, minerals, hormones, and inflammatory markers. This provides a complete picture of your body's biochemistry.
  • A Proactive Stance: The focus shifts from simply ruling out serious disease to actively optimising your health.

A Real-Life Example: Sarah, a 35-year-old marketing manager, was struggling with debilitating fatigue and brain fog. Her NHS GP ran basic blood tests, which came back "normal," and suggested it was likely stress. Frustrated, Sarah used her company's PMI policy. She saw a private GP the next day, who referred her to a specialist in integrated medicine. A comprehensive blood test revealed she was severely deficient in Vitamin B12 and Vitamin D, and had borderline low magnesium. With a targeted supplementation and diet plan, her energy and clarity returned within two months. Her PMI didn't "cure" a chronic disease; it provided the diagnostic tools to identify and fix the root cause of her acute symptoms.

Critical Information: Standard UK private medical insurance is designed to cover acute conditions—illnesses that are short-term and likely to respond to treatment. It does not cover pre-existing or chronic conditions. However, PMI is invaluable for the diagnosis of new symptoms. If those investigations reveal a chronic condition, your policy will not cover its day-to-day management, but the initial diagnostic journey is often a covered benefit.

Your PMI Toolkit: Unlocking Advanced Nutritional Support

Modern PMI policies are evolving into holistic health partnerships. The best PMI providers now offer a suite of tools designed to help you move from being a passive patient to the CEO of your own health.

PMI FeatureHow It Helps Tackle Nutrient Deficiencies
Advanced Blood PanelsGo beyond basic tests to get a full "biochemical MOT." This can include panels for vitamins, minerals, thyroid function, hormones, and inflammation markers.
Access to Nutritionists & DietitiansMany premium policies now include consultations with nutritional experts who can interpret your test results and create a personalised eating plan.
Digital Health & Wellness AppsPolicies often include subscriptions to wellness apps for fitness, mindfulness, and nutrition. WeCovr provides complimentary access to its exclusive AI-powered CalorieHero app, allowing you to track your intake and ensure you're hitting your new nutritional targets.
Mental Health SupportAccess a network of therapists and counsellors, often without a GP referral. This is crucial for addressing the psychological impact of feeling unwell and for managing stress, which can deplete nutrients.
Health ScreeningsMany policies offer regular, comprehensive health checks as a preventative benefit, helping you spot potential issues, including nutritional red flags, long before they become serious problems.

By leveraging these tools, you can use your private medical insurance UK policy to get to the root cause of your health concerns and build a robust foundation of wellness.

Understanding LCIIP: A Strategy to Shield Your Future Health

We believe in a new way of thinking about insurance: Long-term Care & Illness Indemnity Planning (LCIIP).

This isn't a specific product, but a strategic mindset. It's about using the diagnostic and wellness benefits of your PMI policy today to proactively reduce your risk of developing serious chronic diseases tomorrow.

How LCIIP Works in Practice:

  1. Identify: Use your PMI's fast-track GP and diagnostic benefits to identify any underlying nutritional deficiencies, hormonal imbalances, or low-level inflammation.
  2. Intervene: Work with specialists (like nutritionists or physiotherapists) covered by your policy to create a personalised lifestyle, diet, and supplementation plan.
  3. Implement: Use the tools provided, such as WeCovr's CalorieHero app and wellness resources, to put your plan into action consistently.
  4. Insulate: By optimising your health at a cellular level, you build resilience. You lower your risk of developing diet-and-lifestyle-related chronic conditions like Type 2 diabetes, certain heart conditions, and some autoimmune disorders.

This approach effectively "indemnifies" or protects you against the future financial and personal cost of illness. You are using your policy not just as a safety net for when things go wrong, but as a trampoline to propel you to better health.

Reminder on Chronic Conditions: The LCIIP strategy is about prevention and optimisation. If you already have a diagnosed chronic condition, a new PMI policy will not cover its ongoing management. However, it may cover acute flare-ups or new, unrelated conditions that arise after you take out the policy.

Choosing the Best Private Medical Insurance UK for Your Wellness Goals

Navigating the PMI market can be complex. Policies vary hugely in their focus, from basic cover for major surgery to comprehensive plans with extensive wellness benefits.

Here’s a simplified comparison:

FeatureStandard PMI PolicyEnhanced Wellness PMI Policy
Diagnostic PhilosophyReactive (tests for clear symptoms)Proactive (includes health screenings)
Specialist AccessConsultants for acute medical issuesAlso includes nutritionists, dietitians
Wellness BenefitsLimited or noneGym discounts, wellness apps, rewards
Mental HealthMay have a cap on sessionsComprehensive cover, often self-referral
Outpatient CoverOften limited or an optional extraGenerous outpatient limits for tests & consults

This is where an expert, independent PMI broker becomes invaluable. At WeCovr, we don't just sell policies; we provide expert guidance. We take the time to understand your personal health goals—whether that's tackling fatigue, optimising athletic performance, or planning for a long and healthy future.

Our team, backed by years of experience and high customer satisfaction ratings, will compare policies from the UK's leading insurers to find the one that offers the right level of diagnostic and wellness support for you, at a competitive price. And because we are a broker, our service comes at no extra cost to you.

Furthermore, when you arrange your health or life insurance through WeCovr, we can offer attractive discounts on other types of cover, helping you build a complete shield of protection for you and your family.

Will my private medical insurance cover tests for my fatigue?

Generally, yes. If you are experiencing new, unexplained symptoms like fatigue, private medical insurance will typically cover the cost of consultations and diagnostic tests required to find the cause. This is considered an acute medical investigation. However, cover levels for outpatient tests can vary, so it's vital to check your policy details.

Is nutritional advice covered by private health insurance?

It depends on the policy. Basic private health cover policies may not include it, but many mid-tier and comprehensive policies now offer access to registered dietitians or nutritionists, especially if referred by a specialist. Enhanced wellness plans are more likely to include this as a core benefit. An expert broker can help you find a policy that includes nutritional support.

What happens if my tests reveal a chronic condition?

Private medical insurance covers the initial diagnosis of new, acute symptoms. If these investigations lead to the diagnosis of a chronic condition (like diabetes or an autoimmune disease), the policy will have paid for the journey to get that answer. However, the long-term, day-to-day management of that newly diagnosed chronic condition would not be covered and would be managed via the NHS or self-funding. Your policy would still cover you for new, unrelated acute conditions in the future.

Can I get PMI if I already have a nutrient deficiency or other pre-existing condition?

Yes, you can still get private medical insurance. However, any conditions you have had symptoms, treatment, or advice for in the recent past (typically the last 5 years) will be excluded from cover. This is known as a pre-existing condition. There are different types of underwriting, such as 'moratorium' or 'full medical underwriting', which handle pre-existing conditions differently. It's crucial to discuss your medical history with a broker to understand what will and won't be covered.

Don't let the silent epidemic of nutrient deficiency compromise your health and future. Take control with a proactive strategy.

Contact WeCovr today for a free, no-obligation quote and discover how the right private medical insurance can be your most powerful tool for building a lifetime of vibrant health.

Related guides

UK Nutrient Deficiency Crisis Half of Britons Affected
UK Nutrient Deficiency Crisis Half of Britons Affected
Read more →
UK Nutrient Deficiency Crisis Half of Britons Unknowingly Affected
UK Nutrient Deficiency Crisis Half of Britons Unknowingly Affected
Read more →
UK Nutrient Crisis Half Britons Affected
UK Nutrient Crisis Half Britons Affected
Read more →
UK Nutrient Crisis Half of Britons Affected
UK Nutrient Crisis Half of Britons Affected
Read more →
UK Nutrient Crisis Half of Britons Affected
UK Nutrient Crisis Half of Britons Affected
Read more →
UK Nutrient Crisis Half of Britons Affected
UK Nutrient Crisis Half of 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