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UK Private Health Insurance for Neurodiversity

UK Private Health Insurance for Neurodiversity 2025

Unlock Comprehensive Neurodiversity Support: How UK Private Health Insurance Can Fund Assessments & Care

UK Private Health Insurance for Neurodiversity Support & Assessment

In recent years, public awareness and understanding of neurodiversity have grown exponentially. Terms like ADHD, Autism, Dyslexia, and Dyspraxia are no longer niche medical concepts but part of everyday conversation. This increased awareness has led to a crucial realisation: many individuals, both adults and children, are living undiagnosed, struggling with challenges that could be mitigated with appropriate support. The demand for assessment and support services has surged, placing unprecedented strain on the UK's National Health Service (NHS).

While the NHS remains the cornerstone of healthcare in the UK, its capacity to meet this burgeoning demand for neurodiversity services is severely stretched. Waiting lists for assessments can span months, and often years, leaving individuals in limbo, delaying crucial diagnoses and access to vital support. This challenging landscape has led many to consider private healthcare options.

Private Medical Insurance (PMI) often emerges as a potential solution, promising quicker access to specialists and a wider range of services. However, the world of private health insurance can be complex, and its applicability to neurodiversity is particularly nuanced. Unlike acute illnesses, neurodevelopmental conditions are typically lifelong, falling under the category of "chronic conditions" – an area where most private health insurance policies have significant limitations.

This comprehensive guide aims to demystify how UK private health insurance can, and cannot, support individuals seeking neurodiversity assessments and related support. We will explore the critical distinctions between chronic and acute conditions, what policies typically cover, what they explicitly exclude, and how to navigate this intricate landscape to make an informed decision for yourself or your loved ones.

Understanding Neurodiversity: A Framework for Different Minds

Before delving into the specifics of insurance, it's essential to grasp what neurodiversity truly means. Neurodiversity is a concept that acknowledges that all human brains are diverse and that neurological differences are natural and valuable variations of the human genome. It moves away from viewing conditions like Autism or ADHD as deficits, instead embracing them as distinct ways of processing information, thinking, and interacting with the world.

What Does Neurodiversity Encompass?

The umbrella term "neurodiversity" typically includes:

  • Autism Spectrum Disorder (ASD): Characterised by differences in social communication and interaction, and restricted, repetitive patterns of behaviour, interests, or activities.
  • Attention Deficit Hyperactivity Disorder (ADHD): Involves persistent patterns of inattention, hyperactivity, and impulsivity that interfere with functioning or development.
  • Dyslexia: A specific learning difficulty primarily affecting the skills involved in accurate and fluent word reading and spelling.
  • Dyspraxia (Developmental Coordination Disorder - DCD): Affects motor coordination, impacting daily activities and sometimes speech and language.
  • Tourette's Syndrome: A neurological condition characterised by involuntary movements and sounds called tics.
  • Dyscalculia: A specific learning difficulty affecting a person's ability to understand number-based information and perform arithmetical calculations.
  • Dysgraphia: A specific learning difficulty that affects a person's ability to write.

It's important to remember that these conditions often co-occur, and individuals may present with traits from multiple neurodivergent profiles. Each condition brings unique strengths and challenges.

The Importance of Diagnosis and Support

While neurodiversity is a difference, not a disease, a formal diagnosis can be life-changing. It provides:

  • Self-understanding: A framework for understanding personal strengths, challenges, and experiences.
  • Validation: Relief in knowing that difficulties are not personal failings but rather a result of neurological differences.
  • Access to Support: Eligibility for accommodations in education, the workplace, and access to specific therapies or strategies.
  • Reduced Mental Health Impact: Undiagnosed neurodiversity can lead to significant mental health struggles, including anxiety, depression, and low self-esteem, due to a constant feeling of not fitting in or struggling in a neurotypical world.

Early diagnosis, particularly for children, can unlock timely interventions that significantly improve developmental trajectories and long-term well-being. For adults, a late diagnosis can offer profound clarity and empower them to build a life that aligns with their unique needs.

The NHS Landscape: Challenges and Limitations

The NHS is a universal healthcare system, free at the point of use, and committed to providing care for all. However, its capacity is finite, and it faces unprecedented demand, particularly for specialist services.

Strengths of the NHS

  • Universal Access: Theoretically available to everyone, regardless of ability to pay.
  • Comprehensive Care: Aims to provide a wide range of services from primary care to highly specialised treatments.
  • Expert Professionals: Houses highly skilled and dedicated healthcare professionals.

Challenges in Neurodiversity Provision

The reality for neurodiversity services within the NHS often falls short of the ideal, primarily due to:

  • Exorbitant Waiting Lists: This is arguably the most significant challenge. For adult ADHD and Autism assessments, wait times can range from 1 to 5 years, depending on the region. Children's services also face substantial delays.
    • Example: Data from the ADHD Foundation and various NHS trusts frequently highlight waiting lists exceeding 24 months in many parts of the UK for an initial adult ADHD assessment.
  • Postcode Lottery: The availability and quality of services vary significantly across different NHS trusts and regions.
  • Limited Post-Diagnostic Support: While diagnosis is a critical first step, ongoing support services – such as specific therapies, coaching, or long-term medication management for neurodevelopmental conditions – are often limited or non-existent through the NHS due to resource constraints. Patients might be discharged with minimal follow-up.
  • Focus on Crisis Management: The NHS, by necessity, often prioritises urgent and acute care, meaning chronic, non-life-threatening conditions receive less immediate attention.
  • Staffing Shortages: A national shortage of specialist neurodevelopmental professionals, including psychiatrists, psychologists, and occupational therapists, exacerbates the problem.

This challenging environment pushes many individuals and families to explore private options, seeking a quicker path to diagnosis and tailored support.

Private Healthcare for Neurodiversity: What's Available?

The private healthcare sector offers a stark contrast to the NHS in terms of accessibility and breadth of services, though at a significant financial cost without insurance.

Benefits of Private Neurodiversity Services

  • Reduced Wait Times: Typically, appointments for assessments and initial consultations can be secured within weeks, not months or years.
  • Specialist Access: Direct access to highly experienced neurodevelopmental specialists, including psychiatrists, clinical psychologists, and paediatricians.
  • Personalised Approach: Private clinics often offer more tailored and comprehensive assessment processes, allowing for deeper dives into individual profiles.
  • Broader Range of Therapies: Access to a wider array of evidence-based therapies and interventions that might not be readily available on the NHS, such as specific types of coaching, sensory integration therapy, or specialised psychotherapy.
  • Continuity of Care: Potentially greater continuity with a single specialist or team throughout the assessment and initial support phases.

Typical Private Services and Costs

The costs associated with private neurodiversity services can be substantial, making private medical insurance an attractive, albeit complex, proposition.

Service TypeDescriptionEstimated Cost (Self-Pay, UK)
Initial ConsultationFirst appointment with a psychiatrist or clinical psychologist to discuss symptoms and determine need for assessment.£200 - £500
Adult ADHD AssessmentComprehensive diagnostic assessment (e.g., DIVA-5, clinical interview, collateral information).£1,500 - £2,500
Adult Autism AssessmentComprehensive diagnostic assessment (e.g., ADOS-2, ADI-R, clinical interview).£2,000 - £4,000
Child ADHD AssessmentMulti-disciplinary assessment, often including school observations, parent interviews.£1,500 - £3,000
Child Autism AssessmentMulti-disciplinary assessment, including ADOS-2, ADI-R, observational assessments.£2,500 - £5,000
Dyslexia/Dyspraxia AssessmentEducational psychology assessment for specific learning difficulties.£500 - £1,000
Follow-up AppointmentsReviewing diagnosis, discussing management, medication titration.£150 - £350 per session
Therapy SessionsCBT, psychotherapy, coaching sessions (per hour).£80 - £200 per session
Medication ManagementInitial titration, ongoing prescriptions, and reviews (often additional to consultation fees).Varies significantly, often ongoing fees or package deals.

These costs highlight why relying solely on self-funding can be prohibitive for many, reinforcing the interest in private medical insurance.

Private Medical Insurance (PMI): The Fundamentals

Private Medical Insurance, also known as private health insurance, is designed to cover the costs of private medical treatment for acute conditions that arise after your policy has started. Understanding its core principles is vital before considering its application to neurodiversity.

What Does PMI Cover?

PMI typically covers the cost of private healthcare for acute medical conditions. An acute condition is defined as:

  • A disease, illness, or injury that is likely to respond quickly to treatment.
  • That returns you to the state of health you were in before the condition developed.
  • Or that leads to your full recovery.

This often includes conditions requiring surgery, short-term treatment for specific illnesses, or diagnostic tests for new symptoms.

Key Terms and Concepts

TermExplanation
Acute ConditionA condition that is sudden in onset, severe, and typically short in duration, or one that responds quickly to treatment leading to full recovery.
Chronic ConditionA disease, illness, or injury that has at least one of the following characteristics:
  • Needs ongoing or long-term management and care
  • Is likely to recur
  • Comes back or is likely to come back
  • Has no known cure
  • Is permanent
Most PMI policies exclude chronic conditions. This is the most crucial point for neurodiversity.
Pre-existing ConditionAny disease, illness, or injury for which you have received medication, advice, or treatment, or had symptoms of, at any time before your policy starts. Pre-existing conditions are almost universally excluded from PMI policies. If you had any symptoms or diagnosis of neurodiversity or related mental health issues before buying the policy, it will be considered pre-existing.
UnderwritingThe process by which an insurer assesses your health history to determine what they will cover and at what price.
Moratorium UnderwritingThe most common and often simplest underwriting method. You don't need to declare your full medical history upfront. Instead, the insurer automatically excludes any condition for which you've had symptoms, advice, or treatment in the last five years. These conditions may become covered after a continuous two-year symptom-free period on the policy.
Full Medical Underwriting (FMU)You provide your full medical history upfront, often with a GP report. The insurer then decides immediately which conditions (if any) will be excluded. This provides clarity from the outset but can be a longer application process.
In-patient/Day-patientTreatment that requires an overnight stay in hospital or admission to a hospital bed for a procedure on the same day. Generally covered by all policies.
Out-patientTreatment that does not require an overnight stay, such as consultations, diagnostic tests (scans, blood tests), and physiotherapy. This is often an optional add-on or has limits, and is crucial for neurodiversity assessments and therapies.
ExcessThe amount you agree to pay towards the cost of your treatment before the insurer pays. Choosing a higher excess reduces your premium.
Benefit LimitsThe maximum amount an insurer will pay for certain treatments or services (e.g., £1,000 for mental health out-patient treatment, or 8 sessions of physiotherapy).

The Million-Dollar Question: Can PMI Cover Neurodiversity?

This is where the nuances of private medical insurance become critically important. The simple answer is: partially, and primarily for assessment, not long-term management.

The core challenge lies in the definition of "chronic condition" and "pre-existing condition." Neurodevelopmental conditions like ADHD and Autism are, by their nature, lifelong. Once diagnosed, they are classified as chronic. This means that private health insurance policies, which universally exclude chronic conditions, will not cover ongoing treatment, long-term medication, or continuous support specifically for the neurodivergent condition itself.

What PMI May Cover (The Key Areas)

The most significant value of PMI for neurodiversity lies in the diagnostic phase and potentially for acute mental health conditions that arise secondary to undiagnosed or unmanaged neurodiversity.

  1. Diagnostic Assessments for Suspected New Conditions:

    • If you or your child develop new symptoms that lead to a suspicion of a neurodevelopmental condition, and you have no prior history of diagnosis or treatment for these specific symptoms, the initial assessment might be covered.
    • This is typically classified as an "investigation of symptoms" or "diagnostic testing" under the out-patient benefit. Insurers view it as assessing an acute problem (the undiagnosed symptoms) to determine a cause.
    • This includes consultations with a psychiatrist or clinical psychologist, and the specific diagnostic tests (e.g., ADOS-2, DIVA-5, psycho-educational assessments).
    • Crucial Caveat: If the assessment leads to a diagnosis of ADHD or Autism, that condition then becomes "chronic." The insurance will typically cover the assessment itself, and possibly a short-term initial follow-up to discuss the diagnosis and immediate next steps. However, all ongoing treatment, long-term medication, or support for the now-diagnosed chronic condition would cease to be covered.
  2. Acute Mental Health Conditions (Secondary to Neurodiversity):

    • Many neurodivergent individuals, particularly if undiagnosed or unsupported, develop secondary mental health conditions like anxiety, depression, or burnout.
    • If these conditions are deemed acute (meaning they are expected to resolve with short-term treatment and are not the neurodiversity itself), PMI may cover short-term interventions.
    • This could include a limited number of sessions of cognitive behavioural therapy (CBT), psychotherapy, or medication management for the acute mental health issue.
    • Distinction is Key: The insurer will rigorously distinguish between treatment for the acute mental health condition (potentially covered) and treatment for the underlying neurodiversity (not covered). For example, therapy to manage acute anxiety might be covered, but coaching specifically for executive function challenges related to ADHD would not.
  3. Specific Policy Wording and Mental Health Riders:

    • Some policies offer enhanced mental health benefits, which might include a higher limit for out-patient psychiatric consultations or a greater number of therapy sessions. Even with these riders, the core exclusion for chronic conditions usually remains.
    • It's vital to read the policy wording carefully. Some insurers might explicitly mention "neurodevelopmental conditions" under their exclusions or list specific types of assessments they will cover.
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What PMI Typically Will Not Cover

The list of exclusions is extensive and critical to understand:

  • Pre-existing Conditions: If you had symptoms, received advice, or were diagnosed with any neurodevelopmental condition or related mental health issue before taking out the policy, it will be excluded. This is a common pitfall. Many people have had lifelong symptoms of ADHD or Autism without a formal diagnosis; these symptoms would likely render the condition pre-existing under moratorium underwriting.
  • Chronic Conditions: As discussed, once diagnosed, ADHD, Autism, Dyslexia, etc., are considered chronic. This means PMI will not cover:
    • Ongoing medication prescriptions or reviews for the diagnosed neurodevelopmental condition.
    • Long-term therapy, coaching, or support specifically aimed at managing the core symptoms of neurodiversity.
    • Educational support, special educational needs (SEN) provision, or therapies aimed at learning difficulties (e.g., dyslexia tutoring, speech and language therapy unless it's part of an acute, covered condition).
    • Social skills training, occupational therapy for sensory processing differences, or behavioural interventions for diagnosed neurodevelopmental conditions.
  • Conditions that have no known cure or are permanent: This applies directly to neurodevelopmental conditions.
  • Routine developmental checks or screening.
  • Experimental or unproven treatments.
  • Self-inflicted injuries or conditions arising from addiction (unless specifically covered by a comprehensive mental health package).

Table: What's Covered vs. What's Not (General Guide)

ScenarioLikely Covered by PMI (Potentially)Unlikely to be Covered by PMI (Generally Excluded)
Suspected ADHD/Autism (No prior diagnosis/symptoms)Initial consultation with a private psychiatrist/psychologist to assess symptoms. Comprehensive diagnostic assessment (e.g., DIVA-5, ADOS-2) to determine if a condition exists. Initial follow-up to discuss results and immediate next steps.Any ongoing treatment, medication, or therapies for the diagnosed ADHD/Autism (as it becomes a chronic condition upon diagnosis). Assessments if you've previously had symptoms, even without a diagnosis, that would be deemed "pre-existing" under underwriting terms.
Diagnosed Neurodiversity (e.g., ADHD/Autism) but now experiencing new, acute anxiety/depressionShort-term, acute treatment for the anxiety/depression (e.g., a limited number of CBT/psychotherapy sessions, initial medication titration) if deemed separate from the neurodevelopmental condition itself and expected to resolve.Long-term or ongoing treatment for the underlying neurodevelopmental condition. Continued medication management for the neurodevelopmental condition. Therapies specifically targeting neurodevelopmental traits (e.g., executive function coaching for ADHD, social skills training for Autism). Any treatment for anxiety/depression if it's explicitly stated to be a direct, ongoing symptom of the underlying, chronic neurodiversity.
Seeking support for Dyslexia/DyspraxiaDiagnostic assessment by an educational psychologist to identify a specific learning difficulty (SLD) if newly suspected and no prior symptoms/diagnosis.Any ongoing educational support, tutoring, assistive technology, or therapies for the diagnosed Dyslexia/Dyspraxia (as SLDs are considered chronic). Assessments if prior symptoms were present before policy inception.
Child with undiagnosed neurodiversity, experiencing behavioural challenges and distressInitial paediatrician or child psychiatrist consultation. Comprehensive diagnostic assessment (e.g., ADOS-2, ADI-R) if deemed necessary for a new suspected condition. Limited acute behavioural support if directly linked to an acute, treatable mental health issue (e.g., severe anxiety) rather than the neurodevelopmental condition itself.Ongoing behavioural therapy specifically for neurodevelopmental traits. Long-term support for diagnosed neurodevelopmental conditions. Educational provision. Any treatment if symptoms or concerns were pre-existing.

This table highlights the fundamental principle: PMI is generally for acute, curable conditions, or for diagnosing an unknown acute problem. Once a condition is identified as chronic, or if symptoms existed before the policy, coverage typically ceases or is never initiated.

Key Considerations When Choosing a Policy

If you're considering PMI with neurodiversity in mind, these factors are paramount:

1. Underwriting Method

The choice between Moratorium and Full Medical Underwriting (FMU) is critical.

  • Moratorium Underwriting:

    • Pros: Simpler to apply for, no need to disclose full medical history upfront. Quicker to get cover.
    • Cons: Less upfront clarity. Any condition you've had symptoms, advice, or treatment for in the last five years is automatically excluded. If you then go symptom-free for two continuous years on the policy, it may become covered – but this rarely applies to neurodevelopmental conditions which are lifelong.
    • Implication for Neurodiversity: If you or your child have ever had symptoms that could relate to ADHD, Autism, or other neurodevelopmental traits (e.g., attention issues, social difficulties, sensory sensitivities, learning struggles), even without a diagnosis, a Moratorium policy would likely deem these as pre-existing and exclude any related assessment or treatment. This makes it very challenging for anyone who suspects a lifelong neurodevelopmental condition.
  • Full Medical Underwriting (FMU):

    • Pros: Provides clear exclusions from the outset. You know exactly what is and isn't covered.
    • Cons: Longer application process, requires detailed medical history and potentially a GP report.
    • Implication for Neurodiversity: If you declare past symptoms related to neurodevelopmental conditions, the insurer will explicitly exclude them. If you have no prior history of symptoms or diagnosis, FMU could be the clearest path to coverage for a newly suspected condition's assessment. However, the insurer will scrutinise your history intensely.

2. Out-patient Benefit Limits

Neurodiversity assessments and most therapies are conducted on an out-patient basis. Ensure your chosen policy has:

  • Sufficient Out-patient Cover: Many basic policies have very low or no out-patient limits. You need a policy with a robust out-patient allowance, ideally covering consultations and diagnostic tests up to the full policy limit, or at least a high specific limit (e.g., £1,500 - £3,000+). This is where the cost of a full private neurodevelopmental assessment will primarily be covered, if at all.
  • Mental Health Out-patient Cover: Check specific limits for psychiatric consultations and psychological therapy sessions. Some policies have a separate, often lower, limit for mental health.

3. Mental Health Coverage Inclusions

While chronic mental health is excluded, look for policies that offer strong mental health support for acute conditions.

  • Psychiatric Care: Does it cover consultations with psychiatrists?
  • Psychological Therapies: Does it cover sessions with psychologists or accredited therapists (e.g., CBT, psychotherapy)? How many sessions are included per condition or per year?
  • Medication: Does it cover the cost of medication prescribed by private specialists for acute conditions? (Note: ongoing medication for chronic conditions is generally excluded, even if prescribed privately).

4. Choice of Specialists and Networks

  • Ensure the insurer's approved network includes specialists in neurodevelopmental conditions (psychiatrists, clinical psychologists) if you plan to use it for assessments.
  • Some insurers might have specific criteria for who they will authorise for neurodevelopmental assessments.

5. Excess and Premiums

  • Excess: A higher excess will reduce your monthly premium, but you'll pay more out-of-pocket when you claim. Consider what you can comfortably afford.
  • Premiums: These vary significantly based on age, location, chosen benefits, and underwriting. Get multiple quotes.

6. Policy Wording and Exclusions

This cannot be stressed enough. Read the small print. Pay particular attention to:

  • Definitions of "acute" and "chronic" conditions.
  • Exclusions related to "neurodevelopmental disorders," "learning difficulties," "developmental delays," or similar terms. Some policies might explicitly list ADHD or Autism as an exclusion.
  • Rules around "pre-existing conditions" under your chosen underwriting method.

The Application Process and Making a Claim

Navigating PMI requires a clear understanding of the procedural steps.

Applying for a Policy

  1. Gather Information: Have your medical history (and your child's, if applying for family cover) readily available. This includes any past diagnoses, symptoms, treatments, or even concerns raised by doctors or teachers, even if not formally diagnosed.
  2. Choose Underwriting: Decide between Moratorium and Full Medical Underwriting based on your history and desire for clarity. If applying for FMU, be prepared for potential requests for GP reports.
  3. Be Honest and Transparent: This is paramount. Failing to disclose relevant medical history can lead to claims being declined, or your policy being cancelled. It is better to have a condition explicitly excluded upfront than to find out a claim is rejected when you need it most.
  4. Review the Quote: Understand the premium, excess, and what is specifically included/excluded in your personalised quote.

Making a Claim for an Assessment or Support

  1. Consult Your GP: Even with private insurance, it's often advisable to start with your NHS GP. They can provide a referral to a private specialist. Some insurers require a GP referral for certain private consultations.
  2. Identify a Specialist: Find a psychiatrist or clinical psychologist experienced in neurodiversity assessments who is recognised by your insurer. You can often search the insurer's "provider network."
  3. Request Pre-authorisation: Always, always, always contact your insurer for pre-authorisation before booking any consultations, tests, or treatments.
    • Explain the symptoms you are experiencing.
    • State that you are seeking a diagnostic assessment for a newly suspected condition.
    • Provide the specialist's details and the proposed treatment plan/tests.
    • The insurer will review your request against your policy terms and confirm what they will cover (e.g., "up to 3 consultations and a diagnostic assessment for suspected ADHD").
    • This is where the insurer determines if the condition is pre-existing or chronic. If they believe it is, they will likely decline authorisation.
  4. Attend Appointments: Proceed with the authorised consultations and assessments.
  5. Submit Invoices: The specialist or hospital will usually invoice the insurer directly, or you may pay and then claim reimbursement. Ensure you keep all invoices and medical reports.

What if a Claim is Denied?

If your pre-authorisation request or claim is denied, the insurer should provide a reason.

  • Pre-existing Condition: If denied due to pre-existing conditions, review your application and the underwriting method. If you believe there's a misunderstanding, you can appeal with supporting medical evidence.
  • Chronic Condition: If denied because the condition is deemed chronic, this is generally a standard exclusion for PMI. There is often little recourse here, as this is fundamental to how PMI works.
  • Benefit Limits: If denied because you've exceeded your out-patient or mental health limits, you will need to self-fund any further treatment.

Understanding these limitations upfront is key to avoiding disappointment.

Real-Life Scenarios: How PMI Might Play Out

Let's illustrate with some hypothetical, yet common, scenarios:

Scenario 1: The Adult Seeking a First ADHD Assessment

  • Situation: Sarah, 32, has always struggled with focus, organisation, and restlessness. She's recently learned about adult ADHD and recognises many traits. She's never seen a doctor about these specific symptoms before, nor received a diagnosis. She takes out a new private medical insurance policy with robust out-patient mental health cover under Moratorium underwriting.
  • PMI Outcome: Sarah contacts her insurer, explaining she's experiencing new difficulties with concentration affecting her work and suspects ADHD. As she has no documented history of these symptoms within the moratorium period, and no prior diagnosis, the insurer may pre-authorise an initial psychiatric consultation and a full ADHD diagnostic assessment.
  • Post-Diagnosis: If diagnosed with ADHD, the insurer will cover the cost of the assessment. However, ADHD is a chronic condition. They will then not cover ongoing medication, coaching, or long-term therapy specifically for managing her ADHD. They might cover a short period of therapy for acute anxiety she develops due to the stress of diagnosis, if deemed separate and treatable.

Scenario 2: Child with Suspected Autism, Long NHS Wait

  • Situation: Liam, 7, has always struggled with social interaction and communication. His parents suspect Autism, and his school has raised concerns. They are on an NHS waiting list for an Autism assessment which is estimated to be 3 years long. They decide to get a private health insurance policy for Liam.
  • PMI Outcome: The parents apply for a policy for Liam. Under Moratorium, they must declare any symptoms or concerns that have led them to suspect Autism. As Liam has a history of these symptoms, the insurer will likely exclude anything related to neurodevelopmental conditions due to them being pre-existing.
  • Alternative (FMU): If they chose FMU and declared the concerns, the insurer would likely put an explicit exclusion on "neurodevelopmental conditions" from the start.
  • Conclusion: In Liam's case, private health insurance would likely not cover the Autism assessment because the symptoms were pre-existing. The family would likely need to self-fund the private assessment or continue on the NHS waitlist. This highlights the importance of policy timing relative to symptom onset.

Scenario 3: Undiagnosed Neurodiversity and Acute Mental Health Crisis

  • Situation: David, 45, has been experiencing severe depression and burnout. He has private health insurance. During therapy for his depression, his therapist suggests his symptoms might be linked to undiagnosed Autism and ADHD traits.
  • PMI Outcome: His private health insurance would likely cover the initial consultations and therapy for his acute depression and burnout. If the therapist recommended a diagnostic assessment for Autism/ADHD as part of determining the root cause of his acute mental health crisis, the insurer might authorise the assessment, viewing it as an investigation.
  • Post-Diagnosis: Once diagnosed, the Autism and ADHD would be classified as chronic. The insurer would continue to cover the acute depression if it remains a treatable condition, but not the ongoing management of the newly diagnosed neurodivergent conditions.

These scenarios underline that while PMI can be incredibly valuable for getting a diagnosis for a newly emerging suspected condition, its utility for long-term neurodiversity support is highly limited due to the chronic nature of these conditions and the pre-existing conditions clause.

Working with a Broker: WeCovr's Role

Navigating the complexities of private medical insurance, particularly when considering neurodiversity, can be daunting. This is where an independent health insurance broker becomes an invaluable asset.

As WeCovr, we specialise in helping individuals, families, and businesses find the most suitable private medical insurance from across the entire UK market. Our expertise is particularly beneficial in niche areas like neurodiversity support.

How WeCovr Can Help You

  1. Independent Expertise: We are not tied to any single insurer. This means we can provide unbiased advice and compare policies from all major UK providers (e.g., Bupa, AXA Health, Vitality, Aviva, WPA, National Friendly, Freedom Health Insurance, Exeter, and more). We understand the subtle differences in their policy wordings, especially concerning mental health and diagnostic assessments.
  2. Navigating Complexity: The definitions of "acute" vs. "chronic" and the intricacies of "pre-existing conditions" are where most people get stuck. We can help you understand how your specific health history might be viewed by different insurers under various underwriting methods. We can guide you on the implications of a suspected or existing neurodivergent condition.
  3. Tailored Recommendations: Based on your specific needs, budget, and health history, we will recommend the policies that offer the best chance of covering what you are looking for, such as diagnostic assessments for newly suspected neurodiversity. We'll highlight the strengths and limitations of each option.
  4. Saving You Time and Money: We do the legwork of comparing policies, negotiating on your behalf, and explaining the jargon. Our service comes at no additional cost to you, as we are paid a commission by the insurer once a policy is taken out.
  5. Ongoing Support: Our relationship doesn't end once you've purchased a policy. We are here to answer questions, assist with policy renewals, and offer guidance if you need to make a claim.

We understand that seeking a neurodiversity assessment or support is a deeply personal and often urgent matter. Our goal at WeCovr is to provide clarity and peace of mind, ensuring you find a policy that genuinely meets your needs, given the inherent limitations of PMI for chronic conditions. We are here to simplify the process and empower you to make an informed decision for your health and well-being.

Beyond Insurance: Other Avenues for Support

While private health insurance can play a role, it's essential to recognise that it's not the only, or always the complete, solution for neurodiversity support. Many other avenues exist:

  1. NHS Services: Despite the wait times, the NHS is still the primary provider of diagnostic services and some post-diagnostic support. It's crucial to remain on NHS waiting lists even if pursuing private assessment.
  2. Self-Funding: For those who can afford it, self-funding private assessments and specific therapies offers the quickest access without insurance limitations.
  3. Charities and Non-Profits: Organisations like the National Autistic Society, ADHD UK, Dyslexia Action, and others provide invaluable resources, information, support groups, and often subsidised services.
  4. Workplace Support: Many employers are becoming more neurodiversity-inclusive, offering workplace adjustments, coaching, and access to occupational health assessments. The "Access to Work" scheme from the government can also provide grants for workplace support.
  5. Educational Settings: Schools, colleges, and universities have legal obligations to provide reasonable adjustments and support for neurodivergent students, often through their Special Educational Needs (SEN) departments or disability support services.
  6. Online Resources and Communities: A wealth of information, peer support, and self-help strategies are available online through forums, social media groups, and dedicated websites.
  7. Private Therapeutic Support: Independent therapists specialising in areas like executive function coaching, specific learning difficulty interventions, or neurodiversity-affirming psychotherapy are available for self-funded sessions.

Conclusion: Making Informed Choices for Neurodiversity Support

The journey to understanding and supporting neurodiversity is unique for everyone. Private Medical Insurance can be a powerful tool, particularly for expediting critical diagnostic assessments for newly suspected conditions. It offers a route to bypass the often-prohibitive NHS waiting lists, providing timely access to specialist expertise and clarity.

However, it is vital to approach PMI with realistic expectations. Due to the inherent nature of neurodevelopmental conditions as lifelong, chronic conditions, and the standard exclusions for pre-existing and chronic conditions in PMI policies, ongoing, long-term management, medication, or therapies specifically for your diagnosed neurodiversity are generally not covered. PMI's role is largely focused on acute, short-term issues or the initial diagnostic phase of new conditions.

By understanding these distinctions, carefully scrutinising policy wordings, and considering your unique circumstances and medical history, you can make an informed decision. For those looking to navigate this intricate landscape, seeking expert, independent advice from a broker like WeCovr can provide invaluable clarity and guidance, helping you compare options from all major UK insurers and find the most suitable coverage without any cost to you.

Ultimately, a multi-faceted approach, combining the potential benefits of private insurance for diagnosis with the long-term support offered by the NHS, charities, and other resources, is often the most comprehensive strategy for supporting neurodivergent individuals in the UK.


Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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

We've established collaboration agreements with leading insurance groups to create tailored coverage
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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.


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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!

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.