WeCovr.

Login

UK Nutrient Deficiency Crisis Half of Britons at Risk

UK Nutrient Deficiency Crisis Half of Britons at Risk 2026

As an FCA-authorised expert with over 900,000 policies of various kinds arranged, WeCovr sees firsthand how foundational health impacts financial security. This article unpacks the UK’s silent nutrient crisis and explores how private medical insurance can be a vital tool for protecting your long-term wellbeing and prosperity.

Shocking New Data Reveals Over Half of Britons Secretly Battle Critical Nutrient Deficiencies, Fueling a Staggering £3.5 Million+ Lifetime Burden of Chronic Fatigue, Impaired Cognition, Weakened Immunity & Eroding Productivity – Your PMI Pathway to Advanced Nutritional Diagnostics, Personalised Intervention & LCIIP Shielding Your Foundational Vitality & Future Prosperity

Beneath the surface of our busy modern lives, a silent health crisis is unfolding across the United Kingdom. It doesn’t grab headlines like a pandemic, but its impact is just as profound, quietly eroding our health, happiness, and economic potential. The latest data from the UK's National Diet and Nutrition Survey (NDNS) paints a stark picture: a significant portion of the population, potentially over half when considering key demographic groups, is running on empty.

We are not just talking about feeling a bit tired. We are talking about critical deficiencies in vitamins and minerals essential for brain function, immune defence, and energy production. This isn't a niche issue; it affects teenagers, working adults, and the elderly alike.

The consequences are severe and cumulative. This slow-burn crisis fuels a host of debilitating symptoms—from persistent brain fog and low mood to recurrent infections and chronic fatigue. Over a lifetime, the economic toll, which we term the Lifetime Cost of Impaired Income Potential (LCIIP), can be devastating. Through lost productivity, sick days, and missed career opportunities, this silent drain could amount to a staggering £3.5 million or more for a higher-rate taxpayer.

The good news is that this is not an unavoidable fate. By understanding the problem and exploring the tools available, you can take back control. This is where Private Medical Insurance (PMI) transforms from a simple healthcare policy into a strategic investment in your future vitality. It offers a direct pathway to the advanced diagnostics and specialist care needed to identify and correct these imbalances, shielding not just your health, but your entire life's potential.

The Silent Epidemic: Which Nutrients Are Britons Missing Most?

The NDNS survey, a rolling programme conducted on behalf of UK health departments, reveals worrying shortfalls in several key nutrients across different age groups. While not every individual is deficient, the risk is widespread, and certain groups are particularly vulnerable.

Here’s a breakdown of the most common deficiencies plaguing the nation:

NutrientAt-Risk Groups & Deficiency RatesCommon Symptoms of DeficiencyLong-Term Health Risks
Vitamin DWidespread risk. Around 1 in 6 adults have low levels. Higher in winter (up to 40%).Fatigue, bone and back pain, low mood, frequent infections, impaired wound healing.Osteoporosis, osteomalacia (soft bones), weakened immune system, potential links to autoimmune diseases.
IronNearly 50% of girls aged 11-18. 27% of women aged 19-64.Extreme fatigue, weakness, pale skin, shortness of breath, poor concentration ("brain fog"), brittle nails.Iron-deficiency anaemia, heart problems (palpitations, irregular heartbeat), increased susceptibility to illness.
Folate (B9)A staggering 90% of women of childbearing age have low folate levels, increasing the risk of birth defects.Persistent fatigue, weakness, lethargy, mouth sores, changes in mood and memory.Megaloblastic anaemia, increased risk of neural tube defects (e.g., spina bifida) in newborns.
IodineMild-to-moderate deficiency is common, especially in young women.Unexplained weight gain, fatigue, sensitivity to cold, hair loss, goitre (swelling in the neck).Hypothyroidism (underactive thyroid), which slows metabolism and impacts nearly every bodily function.
FibreThe vast majority of UK adults consume far less than the recommended 30g per day. Average intake is ~18-20g.Constipation, bloating, blood sugar fluctuations, feeling hungry soon after eating.Increased risk of heart disease, stroke, type 2 diabetes, and bowel cancer. Poor gut microbiome health.
MagnesiumWidespread low intakes, though true deficiency is harder to measure. Many people get less than the recommended amount.Muscle twitches and cramps, fatigue, mental health issues (anxiety, apathy), poor sleep.High blood pressure, cardiovascular disease, type 2 diabetes, osteoporosis, migraines.

Statistics are based on the latest available UK National Diet and Nutrition Survey (NDNS) data (Years 1-14). The term "over half of Britons" reflects the combined high-risk percentages across these critical nutrients and key demographics.

The £3.5 Million+ Question: Deconstructing the Lifetime Cost of Impaired Income Potential (LCIIP)

The term Lifetime Cost of Impaired Income Potential (LCIIP) sounds complex, but the concept is simple: poor health costs you more than just medical bills. It’s a slow, compounding tax on your entire life.

The £3.5 million figure is an illustrative model for a higher-earning individual whose career trajectory is significantly hampered by the chronic, low-grade symptoms of nutrient deficiency. Here’s how the costs break down:

1. Eroding Productivity (Presenteeism): This is the biggest, most insidious cost. It’s the cost of showing up to work but operating at 60-70% capacity. The brain fog from iron deficiency means you take twice as long to write a report. The low mood from a lack of Vitamin D saps your creativity and motivation. You’re physically present, but mentally absent.

  • Example: An employee earning £80,000 a year with a 15% productivity loss due to chronic fatigue costs their employer (and their own career progression) £12,000 annually.

2. Increased Sick Days (Absenteeism): A weakened immune system from low Vitamin D or zinc means you catch every cold and flu going around. According to the ONS, an estimated 185.6 million working days were lost because of sickness or injury in the UK in 2022, a record high. Many of these common illnesses are things a robust immune system could fight off.

3. Career Stagnation: Promotion requires energy, sharp focus, and proactivity. When you’re constantly battling fatigue and poor concentration, you’re less likely to volunteer for challenging projects, push for a raise, or network effectively. Your career hits a plateau while your more energetic peers advance.

4. Direct and Indirect Health Costs: While the NHS is fantastic, long-term conditions create costs. These can be prescription charges, travel to appointments, or even turning to private options out of desperation for faster relief, which can quickly add up without insurance.

An Illustrative LCIIP Model

Let's model this for a 40-year-old professional earning £100,000 per year, planning to work for another 25 years.

Cost FactorAnnual ImpactLifetime Impact (25 years)
Productivity Loss (15%)£15,000 in lost value/stagnated pay£375,000
Lost Promotion OpportunityForgoing a promotion worth £20k/year£500,000
Compounded Opportunity CostThe above lost income, not invested/grown (at 5%)£1,900,000+
Sick Days (5 extra days/year)£1,923 (at a daily rate of £384.6)£48,075
"Wellness" SpendingUnregulated supplements, therapies, etc.£50,000+
Total Illustrative LCIIP~£2,873,075

This is a simplified model. For individuals with higher earning potential or more severe symptoms, the LCIIP can easily exceed £3.5 million. The model's purpose is to demonstrate the profound financial risk of ignoring your foundational health.

The Critical Distinction: How PMI Addresses Health Issues

It is vital to understand what private medical insurance is for. Standard private medical insurance UK policies are designed to cover the diagnosis and treatment of new, acute conditions that arise after your policy begins.

PMI does not cover:

  • Pre-existing conditions: Any medical condition you had symptoms of, or received advice or treatment for, before taking out the policy.
  • Chronic conditions: Conditions that require long-term management rather than a cure (e.g., diabetes, asthma, established hypothyroidism).

So, how does this relate to nutrient deficiencies?

If you simply want a "wellness check" to see your vitamin levels without any symptoms, PMI is unlikely to cover it. However, if you develop new symptoms—such as sudden, severe fatigue, unexplained hair loss, or persistent brain fog—PMI can be your express lane to finding out why.

The PMI Pathway in Action:

  1. Symptoms Arise: You start experiencing debilitating fatigue that impacts your work.
  2. GP Referral: You visit your NHS GP, who agrees your symptoms need investigation. They provide an open referral.
  3. Activate Your PMI: You call your insurer. They approve an appointment with a private consultant endocrinologist or gastroenterologist.
  4. Rapid Consultation: Instead of waiting months, you see the specialist within days or weeks.
  5. Advanced Diagnostics: The specialist orders a comprehensive blood panel, far more detailed than a standard test, to check a wide range of vitamins, minerals, hormones, and inflammatory markers.
  6. Diagnosis & Treatment Plan: The tests reveal a severe Vitamin D and Iron deficiency. The specialist provides a clear treatment plan, which could involve high-dose supplements and a referral to a dietitian (often covered under 'therapies') to prevent recurrence.

This process turns a potentially year-long struggle of waiting lists and uncertainty into a swift, targeted resolution, stopping the problem before it becomes chronic and starts to erode your LCIIP.

How a PMI Policy Can Be Your Shield Against Nutritional Decline

A good private health cover policy, chosen with the help of an expert broker like WeCovr, offers a suite of benefits that form a powerful defence against the impact of nutrient deficiencies.

  • Fast-Track Diagnostics: This is the core benefit. Get access to MRIs, CT scans, and advanced blood tests in days, not months. This speed is crucial for identifying the root cause of symptoms quickly.
  • Specialist Access: Go directly to the best consultants in the country without a long wait. This means getting expert eyes on your problem right away.
  • Therapies Cover: Many policies include cover for therapies like dietetics and nutrition, but typically only when referred by a specialist for a diagnosed condition. This provides the personalised, expert advice needed for a long-term fix.
  • Digital GP Services: Get 24/7 access to a GP via phone or video call. Perfect for getting quick advice and a referral without having to wait for a surgery appointment.
  • Mental Health Support: Nutrient deficiencies and poor mental health are deeply linked. Most leading PMI providers now include extensive mental health cover, from counselling to psychiatric care, as standard.

Choosing the right policy is key. An expert PMI broker will help you compare outpatient limits, therapy options, and hospital lists from the best PMI providers to find a plan that matches your priorities.

Beyond Insurance: Simple Steps to Fortify Your Foundational Health

While PMI is a powerful tool for when things go wrong, prevention is always better than cure. Here are some simple, effective ways to build your nutritional resilience.

1. Eat the Rainbow

Aim to eat a wide variety of colourful fruits and vegetables. Each colour provides different vitamins, minerals, and antioxidants.

  • Red: Tomatoes, peppers (Lycopene)
  • Orange/Yellow: Carrots, sweet potatoes, citrus (Carotenoids, Vitamin C)
  • Green: Spinach, kale, broccoli (Folate, Vitamin K, Magnesium)
  • Blue/Purple: Berries, aubergine (Anthocyanins)

2. Don't Fear Healthy Fats

Fats are essential for absorbing vitamins A, D, E, and K. Focus on healthy sources like avocados, nuts, seeds, and oily fish (salmon, mackerel).

3. Prioritise Your Gut

Your gut is where nutrients are absorbed. Support it with high-fibre foods (oats, legumes, vegetables) and fermented foods like natural yoghurt, kefir, or kimchi.

4. Supplement Wisely

The NHS recommends everyone in the UK consider taking a daily 10-microgram Vitamin D supplement during the autumn and winter months. For other supplements, it's best to test, not guess. A blood test can confirm if you need something like iron or B12.

5. Track Your Intake

Understanding what you're actually eating is the first step to improving it. At WeCovr, we provide our PMI and Life Insurance clients with complimentary access to CalorieHero, our AI-powered calorie and nutrient tracking app. It helps you see your daily intake of macro and micronutrients, making it easier to spot potential gaps in your diet.

Choosing the Right Private Health Cover with WeCovr

Navigating the world of private medical insurance can be confusing. That's where we come in. As an independent, FCA-authorised broker with high customer satisfaction ratings, WeCovr works for you, not the insurers. We help you compare policies from across the market to find the one that best suits your needs and budget.

When you purchase PMI or Life Insurance through us, you not only get expert advice and ongoing support, but you may also receive discounts on other types of cover, providing comprehensive protection for your family's health and finances.

Does private medical insurance cover tests for nutrient deficiencies?

Generally, UK private medical insurance does not cover routine screening or wellness tests for nutrient deficiencies if you have no symptoms. However, if you develop new, acute symptoms (like severe fatigue or sudden hair loss) after your policy starts, PMI will typically cover the costs of consultations and diagnostic tests ordered by a specialist to find the cause, which would include testing for nutrient levels.

Can I get a PMI policy if I already have a condition caused by a nutrient deficiency?

If you have a diagnosed condition (e.g., iron-deficiency anaemia or hypothyroidism) before taking out a policy, it will be considered a pre-existing condition. Standard PMI policies will exclude cover for this specific condition and its related treatments. However, you can still get comprehensive cover for any new, unrelated acute conditions that arise in the future.

Is a nutritionist or dietitian covered by UK private health insurance?

Many private health cover policies do include cover for therapies, which can include sessions with a registered dietitian or nutritionist. However, this is almost always on the condition that you have been referred by a consultant or specialist to help treat a diagnosed acute medical condition. Cover for standalone dietary advice for general wellbeing is not a standard feature.

How can WeCovr help me find the right PMI policy for my health concerns?

As an independent and FCA-authorised PMI broker, WeCovr provides expert, impartial advice at no cost to you. We take the time to understand your specific health priorities and budget. We then compare policies from a wide range of leading UK insurers, explaining the key differences in cover for diagnostics, therapies, and outpatient limits, ensuring you get the right policy to protect your long-term health and financial wellbeing.

Don't let the silent crisis of nutrient deficiency compromise your future. Your health is your greatest asset, and protecting it is the smartest investment you can make.

Take the first step towards shielding your vitality and prosperity. Contact WeCovr today for a free, no-obligation quote and discover how private medical insurance can secure your health and your future.

Related guides

UK Nutrient Crisis Half of Britons At Risk
UK Nutrient Crisis Half of Britons At Risk
Read more →
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 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 Deficiency Epidemic Half of Britons at Risk
UK Nutrient Deficiency Epidemic Half of Britons at Risk
Read more →
UK Nutrient Crisis 2 in 3 Britons at Risk
UK Nutrient Crisis 2 in 3 Britons at Risk
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