UK Private Health Insurance: Adapt to Life Changes
Navigating Life's Milestones? Here's How to Optimise Your UK Private Health Insurance Policy for Every Change.
UK Private Health Insurance: Adapting Your Policy to Life's Changes
Life is a dynamic journey, constantly evolving with new chapters, challenges, and opportunities. From starting a family to changing careers, buying a home to entering retirement, each major life event brings with it a shift in priorities, responsibilities, and often, financial circumstances. Just as your home, car, and life insurance policies need to be reviewed periodically, your private health insurance – a crucial investment in your wellbeing – must also adapt to these transformations.
In the UK, private health insurance (PHI) offers a valuable complement to the National Health Service (NHS), providing peace of mind through quicker access to diagnostics, treatment, and a broader choice of specialists and facilities for acute conditions. However, a policy that perfectly suited you as a single professional in your twenties will likely be wholly inadequate, or unnecessarily expensive, for a family with young children, or someone nearing retirement.
This comprehensive guide will explore why adapting your UK private health insurance policy is not just beneficial, but essential. We'll delve into the most common life changes and their specific implications for your cover, offering practical advice on how to ensure your policy remains cost-effective, comprehensive, and perfectly aligned with your evolving healthcare needs.
The Dynamic Nature of Life and Your Health Needs
Our health needs are far from static. They shift dramatically across our lifespan, influenced by age, lifestyle, family commitments, and career paths.
- Youth: Often characterised by robust health, though accidental injuries or acute illnesses can still occur. A basic, cost-effective policy might suffice.
- Early Adulthood/Family Building: This phase often brings considerations like adding a partner, maternity needs (though specific maternity cover is rare and usually requires a long waiting period before conception), and eventually, covering children. Health needs can become more complex, involving paediatric care and family-focused benefits.
- Mid-Life: The focus might shift towards preventative health, managing the onset of age-related conditions, or dealing with the stresses of a demanding career. Access to specialist consultations and therapies becomes increasingly valued.
- Retirement: While the NHS remains a cornerstone, many retirees appreciate the quicker access and choice offered by private healthcare, especially as the likelihood of acute conditions requiring treatment increases. Budgetary considerations often become more prominent.
Recognising these evolving needs is the first step towards maintaining relevant private health insurance cover.
Why Adapt Your Policy? More Than Just Cost
While cost-effectiveness is a significant driver, adapting your policy goes beyond saving money. It's about ensuring your insurance truly serves its purpose.
- Optimised Coverage: Life changes often mean your healthcare priorities shift. An adapted policy ensures you have the right level of cover for what matters most, whether it's specialist children's care, mental health support, or access to advanced cancer treatments.
- Avoiding Over-Insurance: Why pay for benefits you no longer need? If your children have left home, you shouldn't be paying for family cover. If you've moved to a rural area, you might not need access to a premium London hospital list.
- Preventing Under-Insurance: Conversely, failing to adapt can leave you exposed. If you've started a family but only have individual cover, your dependents won't be protected. Without adequate mental health support on your policy, an unexpected challenge could leave you facing significant out-of-pocket expenses.
- Peace of Mind: Knowing your health insurance is perfectly tailored to your current circumstances offers unparalleled peace of mind. You're confident that if an acute health issue arises, you have the appropriate support system in place.
- Maximising Value: By regularly reviewing and adjusting your policy, you ensure you're getting the best possible value for your premiums, aligning benefits with your lifestyle and budget.
Key Life Changes and Their Impact on Your Policy
Let's explore the specific life events that should trigger a review of your private health insurance policy.
Marriage or Civil Partnership
Congratulations! A new chapter begins, and with it, the opportunity to reassess your insurance.
- Impact: You might currently have two separate individual policies, or one of you might not have any cover. Combining policies or adding a partner can often lead to savings through 'couple' or 'family' discounts offered by many insurers.
- Considerations:
- Combining Policies: Most insurers offer joint policies that can be more cost-effective than two separate ones.
- Benefit Alignment: Ensure the combined policy meets both your needs. One partner might prefer extensive outpatient cover, while the other might prioritise broader hospital choice.
- Underwriting: If one partner has pre-existing conditions, these will still be excluded under the new joint policy. It's vital to be transparent with the insurer. Acute conditions that arise after joining the policy would be covered.
- Example: Sarah and Tom are getting married. Sarah has an individual policy with comprehensive outpatient cover, while Tom has no private insurance. By combining their policies into a couple's plan, they can get a better rate and tailor the benefits to suit both their needs, ensuring Tom gains access to the same quality of private care as Sarah for new, acute conditions.
Having Children
The arrival of a baby is one of life's most transformative events, with significant implications for your health insurance.
- Impact: Your family dynamics change overnight, and so do your healthcare priorities. Children, especially newborns, can have unexpected acute health needs.
- Considerations:
- Adding Dependents: You'll need to add your child (or children) to your policy. This often comes with a premium increase, but the peace of mind knowing they can access swift paediatric care is invaluable.
- Maternity Cover: It's important to understand that private health insurance generally does not cover routine maternity care or childbirth unless you've had specific maternity cover in place for a long period (e.g., 10-12 months) before conception. If you didn't have this, or if you're already pregnant, any expenses related to pregnancy and childbirth will typically not be covered. The focus for children's cover is on new, acute conditions that arise after they are added to the policy.
- Child-Specific Benefits: Some policies offer benefits tailored for children, such as access to specialist paediatricians or mental health support for young people.
- Example: The Millers welcomed their first child, Emily. They immediately contacted their insurer to add Emily to their family policy. While their policy didn't cover the childbirth itself, knowing that Emily now has access to private consultant care and quicker diagnostic tests for any new acute illnesses, like an ear infection requiring specialist attention, provides immense reassurance.
Children Leaving Home
As children grow up and move out – whether for university, work, or their own families – your insurance needs shift once more.
- Impact: You're likely paying for cover for individuals who no longer reside with you or rely on you financially for health cover.
- Considerations:
- Removing Dependents: Contact your insurer to remove adult children from your policy. This will typically reduce your premiums.
- Individual Cover for Children: Your children might need to set up their own individual policies, especially if they're still in higher education or starting their careers. Some insurers offer 'young adult' plans or discounts.
- Transitioning Policy Type: If all children have left, your family policy can be converted to a couple's policy, or even individual policies if you and your partner prefer.
- Example: The Davies' youngest daughter, Chloe, has gone off to university. They proactively called their insurer to remove her from their family policy, saving them a considerable amount on their annual premium. Chloe, meanwhile, arranged a basic individual policy to cover herself whilst away from home.
Divorce or Separation
Separation can be a challenging time, and disentangling joint financial arrangements, including health insurance, is a key step.
- Impact: A single family or couple's policy will need to be split into individual policies.
- Considerations:
- Splitting Policies: Each individual will need to arrange their own private health insurance cover. This means new applications and new underwriting.
- Children's Cover: Decide who will cover the children, or if separate policies are needed for each parent, ensuring the children remain covered. This requires careful coordination.
- Pre-existing Conditions: Any conditions covered under the previous joint policy (because they arose after the policy started) will ideally be carried over to the new individual policies without re-underwriting if the new policies are with the same insurer and maintained continuously. However, if switching insurers, new underwriting would apply, potentially leading to new exclusions for conditions that developed during the old policy.
- Example: Following their separation, Mark and Lisa had to split their joint health insurance. They agreed that Lisa would take out a new policy covering herself and their two children, while Mark would arrange individual cover for himself. They contacted their existing insurer to understand the process for transferring the children's cover seamlessly.
Job Changes or Becoming Self-Employed
Your employment status significantly impacts your access to private health insurance.
- Impact: Many companies offer private health insurance as a valuable employee benefit. Changing jobs or becoming self-employed means you might lose this corporate cover.
- Considerations:
- Loss of Corporate Scheme: If you're leaving an employer-sponsored scheme, you'll need to arrange individual cover quickly to avoid a gap in coverage. Many insurers offer a "continuation option" or "no-claims discount transfer" if you move from a company scheme to an individual policy with the same insurer, or sometimes even a different one. This is crucial for protecting your underwriting position and preventing new conditions from becoming pre-existing.
- Self-Employment: As a self-employed individual, you'll be responsible for your own health insurance premiums. This is a vital investment to protect your ability to work and earn income.
- New Employer Benefits: If your new employer offers health insurance, ensure you understand the scope of their scheme and whether it meets your needs. You might be able to 'top up' or add family members at a subsidised rate.
- Example: David, an IT consultant, decided to leave his corporate job to become self-employed. He knew he would lose his company health insurance. Before his last day, he contacted an independent broker to arrange a new individual policy. He made sure to highlight his previous corporate cover to ensure any potential benefits of continuous cover were explored, meaning conditions that had arisen whilst under his company plan could potentially be covered under his new individual plan.
Relocation (Within UK or Abroad)
Where you live can influence your private health insurance.
- Impact: Hospital networks vary by location, and moving internationally requires a fundamentally different type of cover.
- Considerations:
- Within the UK: If you move from a major city to a rural area, or vice-versa, the list of available private hospitals might change. Your existing policy might have a 'hospital list' that needs updating to reflect your new local options, which can affect premiums.
- Moving Abroad: UK private health insurance does not cover you for long-term living abroad. You will need international private medical insurance (IPMI), which is specifically designed for expats and global citizens. This is a distinct product altogether.
- Temporary Travel: Most UK health insurance policies offer emergency medical cover for short trips abroad (usually up to 30 or 60 days per trip), but this is not comprehensive travel insurance and has limitations. Always check the specifics.
- Example: Sarah moved from London to Cornwall. She reviewed her health insurance to check her 'hospital list'. She realised her current premium list included many central London hospitals she no longer needed access to. By switching to a regional hospital list, she was able to slightly reduce her premium without compromising access to local private facilities.
Retirement
Retirement marks a significant life stage, often accompanied by changes in income and health needs.
- Impact: You might no longer have a corporate health insurance scheme. Your health needs may increase, but your income might reduce.
- Considerations:
- Transitioning from Corporate to Individual: As with job changes, you'll need to move to an individual policy.
- Budgeting: Consider a policy with a higher excess (the amount you pay towards a claim) to reduce monthly premiums, or opt for a more basic level of cover that still provides essential peace of mind.
- Increased Utilisation: As we age, the likelihood of needing medical intervention for new, acute conditions can increase. Private health insurance can offer faster access to diagnostics and treatments that complement NHS care.
- Understanding Exclusions: It's important to remember that private health insurance primarily covers new, acute conditions. Chronic conditions (long-term illnesses like diabetes or asthma) and pre-existing conditions (those you had symptoms or treatment for before your policy started) are generally excluded. While your policy can't cover pre-existing conditions, it will continue to cover any new acute conditions that develop after you retire and while your policy is in force.
- Example: John, upon retiring, opted for an individual policy with a higher excess to keep his premiums manageable. He ensured his policy still offered good cancer cover and access to diagnostics for any new, acute symptoms, understanding that his long-standing arthritis would continue to be managed by the NHS.
Changes in Health Status (Important Considerations)
This is a critical area where misconceptions often arise.
- Impact: A change in your health, such as being diagnosed with a new acute condition after your policy started, can lead to claims. Subsequent policy renewals might see premium increases as a result of claims history.
- Crucial Understanding: Pre-existing and Chronic Conditions:
- Private health insurance is designed to cover new, acute conditions. These are conditions that arise after your policy starts and are likely to respond quickly to treatment.
- Pre-existing conditions (any illness, injury, or symptom that you've experienced, or sought advice or treatment for, before your policy began) are not covered. Insurers typically apply an exclusion to these. This is a fundamental principle of private health insurance.
- Chronic conditions (long-term, recurring conditions that require ongoing management, like diabetes, asthma, or hypertension) are also generally not covered for ongoing treatment or management. Private health insurance might cover the initial diagnosis and treatment of an acute flare-up of a chronic condition, but not the long-term management itself.
- How Policy Adaptation Works: You cannot adapt your policy to suddenly cover a pre-existing or chronic condition. At renewal, premiums might increase due to claims made, or general inflation and age.
- Example: Maria was diagnosed with a new, acute appendicitis after her private health insurance policy had been active for two years. Her policy covered the surgery and recovery. However, if Maria had been diagnosed with diabetes before she took out her policy, her private health insurance would not cover ongoing treatment for her diabetes, as it's a pre-existing and chronic condition. It's crucial to distinguish between a new, acute illness and a pre-existing or chronic one.
Financial Changes
Your financial situation is a key determinant of the type of cover you can afford.
- Impact: An increase in disposable income might allow for more comprehensive cover, while a decrease might necessitate reducing premiums.
- Considerations:
- Increasing Premiums: If your income rises, you might opt for a higher level of cover, perhaps adding outpatient benefits, mental health support, or choosing a wider hospital list.
- Decreasing Premiums: If you need to reduce costs, you can:
- Increase your excess.
- Choose a more restricted hospital list.
- Remove optional extras (e.g., optical, dental, extensive mental health cover).
- Opt for a '6-week wait' option (if available), where you only use private care if the NHS waiting list for your condition is over 6 weeks.
- Example: After receiving a promotion, Ben decided to upgrade his policy to include full outpatient consultations and comprehensive mental health cover, providing him with greater flexibility and support. Conversely, when Sarah decided to reduce her working hours, she increased her policy excess to lower her monthly premiums, ensuring she retained core inpatient cover.
How to Adapt Your Policy: The Process
Adapting your private health insurance policy is usually a straightforward process, but it requires proactive engagement.
- Identify the Life Change: Recognise that a significant life event has occurred or is imminent (e.g., getting married, having a baby, changing jobs).
- Review Your Current Policy: Gather your policy documents. Understand your current level of cover, benefits, excesses, and any exclusions.
- Assess Your New Needs: Consider how the life change impacts your healthcare priorities. Do you need cover for more people? Different types of care? A different hospital network?
- Contact Your Insurer or Broker:
- Directly with Insurer: You can contact your current insurer. Be prepared to discuss your new circumstances and desired changes.
- Through a Broker: This is often the most advisable route. A good broker, like us at WeCovr, can review your current policy, assess your new needs, and then compare options not just with your existing insurer but across the entire market of major UK health insurers. This ensures you find the most suitable and cost-effective solution.
- Provide Necessary Information: You'll need to provide updated personal details, potentially details of new dependents, and information about any relevant health changes (always remembering the pre-existing condition exclusions).
- Receive New Quotes/Options: Your insurer or broker will present options based on your new requirements.
- Make a Decision and Confirm Changes: Review the options carefully, ask questions, and once satisfied, confirm the changes. Ensure you receive updated policy documents.
Common Policy Adjustments
Here’s a table summarising typical adjustments you might make to your private health insurance policy:
| Type of Adjustment | Description | Impact on Premium (Typical) | Key Considerations |
|---|---|---|---|
| Adding/Removing Members | Including or excluding partners, children, or other dependents. | Varies (usually +/-) | Essential for family changes (marriage, births, children leaving home, divorce). Ensure continuous cover for added members where possible to avoid new pre-existing exclusions. |
| Changing Excess | Increasing or decreasing the fixed amount you pay towards a claim before the insurer contributes. | Increase excess = Lower premium; Decrease excess = Higher premium | A higher excess can significantly reduce your monthly payments but means higher out-of-pocket costs if you claim. |
| Adjusting Outpatient Cover | Varying cover for consultations, diagnostic tests (MRI, X-rays), and physiotherapy outside of a hospital stay. | +/- | Basic policies often have limited or no outpatient cover. Adding it increases premium but provides greater flexibility and faster access to diagnosis. Removing it reduces costs. |
| Modifying Hospital List | Choosing a wider or more restricted list of private hospitals you can access. | +/- | Wider lists (e.g., London hospitals) are more expensive. Restricted regional lists or 'NHS Partnership' lists are cheaper. Ensure the list includes hospitals convenient for you. |
| Adding/Removing Optional Modules | Including or excluding benefits like mental health cover, dental, optical, travel, or complementary therapies. | +/- | These extras can significantly enhance your policy but add to the cost. Only pay for what you genuinely need and will use. |
| '6-Week Wait' Option | Agreeing to use the NHS if the waiting time for your treatment is less than 6 weeks. | Lower premium | Can be a good cost-saving option if you're comfortable using the NHS for shorter waits. You only use private care if the NHS waiting list exceeds 6 weeks for your eligible acute condition. |
| Changing Underwriting | Switching from Moratorium to Full Medical Underwriting (rarely done once covered) or vice versa. | Can vary | This is complex and usually only considered when moving from a group scheme or if advised by a broker. Moratorium means conditions are assessed as you claim; FMU means you declare everything upfront. |
| Cancer Cover Level | Adjusting the scope of cover for cancer treatment (e.g., basic, comprehensive, or specific drugs). | +/- | Cancer cover is often a core component. Review if you want access to advanced therapies or drugs not routinely available on the NHS. |
The Role of a Health Insurance Broker
Navigating the complexities of private health insurance, especially when adapting to life changes, can be daunting. This is where the expertise of a health insurance broker becomes invaluable.
We, at WeCovr, are modern UK health insurance brokers dedicated to making this process as smooth and effective as possible for you. Think of us as your independent guide in the world of private medical insurance.
How we help you:
- Market-Wide Comparison: We work with all the major UK private health insurers – Aviva, AXA Health, Bupa, Vitality, WPA, National Friendly, and more. This means we can compare a vast array of policies and options, not just those offered by a single insurer.
- Expert, Impartial Advice: We understand the nuances of different policies, underwriting types, and benefit structures. We can explain the pros and cons of various adjustments and guide you towards the most suitable choice for your specific circumstances and budget.
- Needs Analysis: We take the time to understand your evolving needs, considering your family situation, health priorities, financial position, and future plans.
- Cost-Effectiveness: Our goal is to find you the best coverage at the most competitive price. We often have access to preferential rates or schemes that aren't always available directly to the public.
- Streamlined Process: We handle the paperwork, liaise with insurers on your behalf, and simplify the application or amendment process, saving you time and hassle.
- Ongoing Support: Our service doesn't end once you've purchased a policy. We're here to assist you with future renewals, claims queries, or further policy adjustments as your life continues to evolve.
- No Cost to You: Our service is completely free to you, the client. We are remunerated by the insurers directly, ensuring our advice remains impartial and focused on your best interests.
By utilising our expertise, you can confidently adapt your policy, knowing you have the right cover in place without overpaying or being underinsured.
Navigating Renewals and Reviews
Your annual renewal is the prime opportunity to review and adapt your policy. Don't simply accept the new premium notice.
- Annual Check-up for Your Policy: Treat your policy renewal like an annual health check-up for your insurance.
- Review Your Needs: Have there been any life changes in the past year? Are any anticipated in the coming year?
- Assess Claims Made: Review any claims you've made. Have they impacted your premium? If you’ve made a claim, it's possible your premium may increase more significantly at renewal.
- Compare the Market: Even if you're happy with your current insurer, it's wise to check what other providers are offering. Insurers frequently update their products and pricing. This is where a broker like us is invaluable, as we can quickly perform a market review for you.
- Question Premium Increases: If your premium has risen significantly without major claims, ask your insurer (or your broker) why. It could be due to age, medical inflation, or changes in the insurer's pricing structure.
- Don't Be Afraid to Negotiate (or Switch): If your current insurer isn't offering competitive terms, be prepared to negotiate, or consider switching to a provider that better meets your needs and budget. A broker can facilitate this move, often ensuring a smooth transition of your underwriting terms so that conditions that arose whilst you were covered by your old policy can still be covered by your new one (provided there's continuous cover and no break in policy).
Annual Policy Review Checklist
To ensure your policy remains fit for purpose, use this checklist at least once a year:
- Personal Details: Are all names, addresses, and contact details correct?
- Dependents: Are all family members who need cover included? Have any adult children moved out and need to be removed?
- Health Changes: Have you developed any new, acute conditions since your last review? (Remember: pre-existing and chronic conditions are not covered).
- Financial Changes: Has your income or financial situation changed, impacting your ability to pay premiums or your preference for a higher/lower excess?
- Lifestyle Changes: Any new hobbies or significant changes that might impact your health or insurance needs (e.g., increased travel)?
- Hospital List: Are the hospitals on your list still convenient for your location?
- Benefits Utilised: Have you used any optional extras (e.g., mental health, optical, dental)? Are they still valuable to you?
- Claims History: What claims have you made? How has this impacted your premium?
- Market Comparison: Have you reviewed comparable policies from other providers? (A broker can do this for you quickly).
| Review Area | Questions to Ask Yourself | Action Required (if applicable) |
|---|---|---|
| Covered Lives | Has my family structure changed (marriage, birth, children leaving home)? | Add/remove dependents. Convert to couple/individual policy. |
| Financial Budget | Can I afford my current premium? Do I want to save money or increase cover? | Adjust excess, remove/add optional modules, change hospital list. |
| Health Needs | Have I developed any new acute conditions? Are my current benefits sufficient? | Note: Pre-existing/chronic conditions remain excluded. Discuss new needs. |
| Hospital Access | Is my current hospital list convenient for my home/work? | Change hospital list if needed. |
| Optional Extras | Am I using the optical, dental, mental health, or other modules? Do I still need them? | Add/remove optional extras. |
| Claims History | Have I made any claims recently? How might this affect my premium? | Discuss with insurer/broker; explore alternatives if premiums are high. |
| Market Review | Is my current policy still competitive? Are there better deals or benefits elsewhere? | Request market comparison from your broker. |
Avoiding Common Pitfalls
While adapting your policy is crucial, there are common mistakes to avoid:
- Ignoring Renewals: Simply letting your policy renew automatically without review can lead to paying for outdated or inadequate cover.
- Not Disclosing Information: Always be truthful and comprehensive when providing information to your insurer or broker. Non-disclosure can invalidate your policy.
- Assuming All Conditions are Covered: Remember the fundamental exclusion of pre-existing and chronic conditions. Private health insurance is for new, acute medical needs.
- Focusing Solely on Price: While cost is a factor, don't sacrifice essential coverage for a slightly cheaper premium. Balance cost with adequate protection.
- Trying to Do It Alone (When Complex): For significant life changes or complex health histories, relying on expert advice from a broker can prevent costly mistakes and ensure you get the best deal.
- Forgetting Continuity: If switching insurers, ensure you understand how your underwriting is handled to avoid new exclusions for conditions that arose under your previous policy. Your broker can guide you through this process.
Conclusion
Life in the UK is a journey of constant evolution, and your private health insurance should be a flexible companion on that path. From the joy of expanding your family to the challenges of career changes or the peace of retirement, each significant life event necessitates a thoughtful review of your policy.
By proactively adapting your private health insurance, you ensure it remains a valuable investment, perfectly aligned with your current healthcare needs, financial situation, and personal circumstances. It’s about more than just saving money; it’s about securing optimal coverage and maintaining invaluable peace of mind.
Don't let your policy become an ill-fitting suit. Take the time to understand your evolving needs, leverage the expertise of professionals like us at WeCovr, and adjust your coverage to fit the vibrant tapestry of your life. We're here to simplify this process, providing expert, impartial advice and comparing options from all major UK insurers, all at no cost to you. Ensure your private health insurance truly serves you, today and in all your tomorrows.
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!
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:
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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!