UK Private Health Insurance for Pre-Existing Conditions: Best Insurers & How to Get Covered

Navigating the landscape of private health insurance in the UK can feel like a daunting task, especially when you have a pre-existing medical condition. The desire for prompt, high-quality medical care is universal, but the rules around what's covered – and what isn't – can be complex and often misunderstood. Many believe that if you have a pre-existing condition, private health insurance is simply out of reach or completely useless. This is a common misconception that we aim to clarify.

While it's true that standard private health insurance policies in the UK typically do not cover treatment for conditions you already have, obtaining a policy can still offer significant benefits for any new health issues that may arise. The key lies in understanding the nuances of underwriting, the types of policies available, and how insurers define and treat pre-existing conditions.

This comprehensive guide is designed to demystify UK private health insurance for those with a medical history. We'll delve into the precise definition of a pre-existing condition, explain why insurers generally exclude them, explore the different underwriting methods, and help you understand your options for getting covered. We'll also highlight some of the leading insurers in the UK and provide practical advice on how to secure the best policy to meet your needs. Our goal is to empower you with the knowledge to make informed decisions about your health and healthcare.

Understanding Pre-Existing Conditions in UK Private Health Insurance

Before diving into the specifics of coverage, it's crucial to establish a clear understanding of what a "pre-existing condition" truly means in the context of UK private health insurance. Without this clarity, it’s easy for confusion and disappointment to arise.

What is a Pre-Existing Condition?

In the simplest terms, a pre-existing condition is any medical condition, illness, injury, disease, or set of symptoms for which you have already experienced or received medical advice, diagnosis, care, or treatment prior to the start date of your new private health insurance policy. This definition is broad and can encompass a wide range of health issues.

It's not just about a formal diagnosis; even symptoms that you've noticed but haven't yet had formally diagnosed can be considered pre-existing. For example, if you've been experiencing persistent back pain for months before applying for insurance, even if you haven't seen a doctor about it, it could still be considered a pre-existing condition.

Common examples of pre-existing conditions include, but are not limited to:

• Asthma
• Diabetes
• Arthritis
• High blood pressure
• Depression or anxiety (if previously diagnosed or treated)
• Back pain
• Migraines
• Chronic conditions like Crohn's disease or Multiple Sclerosis (MS)
• Any past surgery or significant medical event (e.g., a heart attack, cancer remission)

Why Do Insurers Exclude Pre-Existing Conditions?

The primary reason insurers exclude pre-existing conditions is risk management and financial viability. Private health insurance operates on the principle of covering unforeseen medical events. If insurers were to cover every condition an individual already has, the costs would be astronomical and unsustainable, leading to unaffordable premiums for everyone.

Think of it like car insurance: you can't buy car insurance after you've had an accident and expect it to cover the damage. Similarly, health insurance is designed to protect you against future, unexpected medical expenses, not to pay for ongoing or past conditions.

The industry aims to spread the risk across a large pool of policyholders. Including pre-existing conditions would disproportionately shift the risk onto the insurer, making the entire system unworkable.

The Fundamental Principle: Exclusions Are Standard

It's vital to reiterate this point, as it's the source of most misconceptions: standard UK private health insurance policies will almost always exclude coverage for pre-existing conditions. This means that while you can absolutely get a policy, any claims you make that are directly or indirectly related to a condition you had before the policy started will not be covered.

For example, if you have a history of asthma and then require treatment for an asthma attack, your private health insurance policy will not cover the costs. However, if you develop a completely new condition, such as appendicitis, that is unrelated to your asthma and arose after your policy began, your policy would cover the treatment for appendicitis, subject to your policy terms.

Chronic vs. Acute Conditions: A Crucial Distinction

Private health insurance in the UK primarily focuses on covering acute conditions. Understanding the difference between acute and chronic is fundamental:

• Acute Condition: An illness, injury, or disease that is likely to respond quickly to treatment, leading to a full or nearly full recovery. Examples include appendicitis, broken bones, a sudden infection, or an unexpected heart attack. Private health insurance is designed to cover the diagnosis and treatment of acute conditions.
• Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term management, requires long-term monitoring, does not have a complete cure, or comes back or is likely to come back. Examples include diabetes, asthma, epilepsy, arthritis, and most mental health conditions requiring ongoing care.

The critical takeaway is that private health insurance policies generally do not cover chronic conditions, regardless of whether they are pre-existing or develop after the policy starts. The NHS remains the primary provider for ongoing management of chronic conditions in the UK. Private insurance offers you choice and speed for acute episodes and conditions.

Underwriting Methods and Their Impact on Pre-Existing Conditions

When you apply for private health insurance, insurers use different underwriting methods to assess your medical history and determine what they will or won't cover. Your choice of underwriting can significantly impact how your pre-existing conditions are handled.

1. Moratorium Underwriting (Morrie)

This is the most common and often the quickest way to get private health insurance in the UK.

• How it works: With moratorium underwriting, you generally do not need to disclose your full medical history when you apply. Instead, the insurer automatically applies a "moratorium" period (typically 2 years, though some can be 1 or even 5 years) to any condition you've had symptoms of, received treatment for, or taken medication for in the period leading up to the policy start date (usually the last 5 years).
• The "Wait and See" Approach: If you claim for a condition during the moratorium period, the insurer will investigate whether it's related to a pre-existing condition. If you go for a continuous period (usually 2 years) after your policy starts without experiencing symptoms, receiving treatment, or taking medication for a specific pre-existing condition, that condition may then become eligible for cover.
• Pros: Quick and easy to set up, no lengthy medical questionnaires upfront.
• Cons: Less certainty upfront about what's covered. If you need to make a claim, the insurer will investigate your medical history, which can lead to delays or denial if it's found to be related to a pre-existing condition within the moratorium period. This can be frustrating if you thought a condition was resolved.

Example: You had back pain two years ago but haven't had any issues since. You take out a policy with a 2-year moratorium. If your back pain returns within the first two years of the policy, it will likely be excluded. If it returns after you've had 2 symptom-free years on the policy, it might then be covered.

2. Full Medical Underwriting (FMU)

With full medical underwriting, you provide a comprehensive medical history at the time of application.

• How it works: You will complete a detailed medical questionnaire, which the insurer's underwriting team will review. They may contact your GP for further information or clarification. Based on this information, the insurer will make a clear decision upfront about what is covered and what is excluded. They will then provide you with a definitive list of exclusions for your policy.
• Pros: Provides absolute clarity from day one about what is and isn't covered. If you have a clean bill of health or very minor past issues, you might secure a policy with fewer exclusions or potentially a lower premium.
• Cons: Can be a more lengthy application process due to the need for detailed medical information and potential GP reports. Not suitable for everyone, especially those who prefer a quicker setup.
• What happens to pre-existing conditions: Any significant pre-existing conditions will typically be explicitly excluded from your policy.

Example: You had knee surgery five years ago and have fully recovered. With FMU, you declare this. The insurer might explicitly exclude any future knee-related issues, but you'll know this upfront. All other new, acute conditions would be covered.

3. Continued Personal Medical Exclusions (CPME) / Switch Underwriting

This method is relevant if you already have private health insurance and are looking to switch providers.

• How it works: A new insurer may offer to carry over the existing exclusions from your previous policy, without the need for new full medical underwriting or a new moratorium period. This means any conditions excluded by your previous insurer will remain excluded by the new one.
• Pros: Offers continuity of cover, avoiding new moratorium periods or fresh exclusions for conditions that were already covered by your previous policy. Can be a smoother transition.
• Cons: Any pre-existing conditions that were excluded on your old policy will still be excluded.

4. Medical History Disregarded (MHD)

This is the 'gold standard' of private health insurance underwriting, but it's rarely available for individual policies.

• How it works: With MHD, the insurer disregards your entire medical history. This means that pre-existing conditions are covered, subject to the policy's terms and conditions (e.g., chronic conditions are still typically excluded).
• Availability: MHD is almost exclusively offered to large corporate schemes (e.g., companies with 150+ employees, though some insurers may offer it for smaller groups with specific criteria). It's a significant benefit that employers use to attract and retain talent.
• Pros: Most comprehensive form of cover, removing the worry about pre-existing conditions (for acute treatment).
• Cons: Extremely expensive, making it generally unaffordable for individuals or small businesses.

Summary Table of Underwriting Methods:

"Getting Covered": Options and Scenarios (Beyond Standard Exclusions)

While the general rule is that pre-existing conditions are excluded, it's important to understand what private health insurance can do for you, even with a medical history. It's about complementary care, not necessarily a direct replacement for the NHS for your existing issues.

1. Covering New, Unrelated Conditions

This is the primary benefit of private health insurance for someone with pre-existing conditions. Your policy will cover the costs of diagnosis and treatment for any new, acute conditions that arise after your policy starts and are unrelated to your pre-existing conditions.

• Example: You have a history of mild asthma (pre-existing and excluded). Three months into your policy, you develop severe stomach pain and are diagnosed with appendicitis (a new, acute condition). Your private health insurance will cover the consultation, diagnosis, surgery, and aftercare for the appendicitis.

2. When a "Pre-Existing" Condition Might Become Covered (Moratorium)

As discussed under moratorium underwriting, there is a possibility that a pre-existing condition could become covered if you meet the specific terms of the moratorium period (typically 2 symptom-free years).

• Important Note: This applies to acute conditions only. Chronic conditions will remain excluded. Even if you've had 2 symptom-free years on a moratorium policy for a past acute issue (e.g., a specific joint pain from an old injury), any new flare-up would still need to be assessed by the insurer to ensure it meets the criteria for cover. The "symptom-free" clause is very strict.

3. Access to NHS Services Remains

It's crucial to remember that your private health insurance policy complements, rather than replaces, the NHS. For chronic conditions, ongoing management, emergency care, and conditions explicitly excluded by your private policy, the NHS will always be there to provide care. Private health insurance simply gives you an alternative for eligible acute conditions, offering benefits like:

• Shorter waiting lists for consultations, diagnostics, and treatment.
• Choice of consultant and hospital.
• Private rooms with en-suite facilities.
• Flexible appointment times.

4. Limited Options for Direct Cover of Pre-Existing Conditions (Very Rare for Individuals)

Beyond large corporate MHD schemes, there are very few, if any, individual private health insurance policies in the UK that will directly cover pre-existing chronic conditions. Some niche policies or mutuals might offer limited flexibility for very minor, resolved conditions under specific circumstances, but this is an exception rather than the rule and would require very careful investigation of policy terms.

For example, some insurers might consider covering certain resolved acute conditions (e.g., a broken bone from 10 years ago with no ongoing issues) under Full Medical Underwriting, but this is always at the insurer's discretion and not guaranteed.

5. Accessing Mental Health Support

While chronic mental health conditions often fall under the "chronic exclusion," many private health insurance policies now offer some level of outpatient mental health support, even if it's related to a pre-existing anxiety or depression. This is an area where policies are evolving. However, inpatient treatment for chronic mental health conditions or those requiring long-term management might still be excluded. It's crucial to check the specific mental health benefits of any policy.

Best Insurers in the UK for Private Health Insurance (General Context)

When considering private health insurance, especially with a pre-existing condition, it's essential to look at providers known for their comprehensive offerings and customer service. While none of these insurers will routinely cover pre-existing conditions on standard individual policies, their approach to underwriting, range of benefits, and overall reputation can make a difference.

Here's a look at some of the leading UK private health insurance providers:

1. Axa Health

• Key Features: One of the largest and most well-regarded insurers. Offers a wide range of plans, from budget-friendly to comprehensive. Known for strong clinical networks and good customer service. They offer both moratorium and full medical underwriting.
• Pre-existing Conditions: Standard exclusions apply.

2. Bupa

• Key Features: A household name in UK private healthcare, known for its extensive network of hospitals and clinics. Bupa offers various levels of cover, including direct access to certain specialists without a GP referral (on some plans). Strong focus on mental health support. Offers both moratorium and full medical underwriting.
• Pre-existing Conditions: Standard exclusions apply.

3. Vitality Health

• Key Features: Distinctive for its "shared value" model, incentivising healthy living with rewards and discounts (e.g., gym memberships, travel discounts, cinema tickets). Offers comprehensive cover with various add-ons. Provides both moratorium and full medical underwriting.
• Pre-existing Conditions: Standard exclusions apply.

4. WPA (Western Provident Association)

• Key Features: A mutual organisation, often praised for excellent customer service and flexible plans, including "modular" options to tailor cover. They are known for their "Premier" schemes which offer slightly more flexibility on certain past conditions (though still with exclusions for chronic/long-term issues). Offer both moratorium and full medical underwriting.
• Pre-existing Conditions: Standard exclusions generally apply, but their approach can sometimes be more nuanced for minor past issues under FMU, though never for chronic conditions.

5. Aviva

• Key Features: A major general insurer with a strong health insurance offering. Aviva provides flexible plans that allow you to choose your level of cover, hospital access, and benefit limits. Offers both moratorium and full medical underwriting.
• Pre-existing Conditions: Standard exclusions apply.

6. The Exeter

• Key Features: A mutual society focusing on income protection and health insurance. The Exeter is known for its clear policy wording and commitment to customer service. They offer a range of health insurance options, often with competitive pricing for their level of cover. Offers both moratorium and full medical underwriting.
• Pre-existing Conditions: Standard exclusions apply.

7. National Friendly

• Key Features: A smaller, mutual friendly society that provides a personal touch. They offer health insurance products that can be a good fit for those looking for a traditional approach to cover. Offers both moratorium and full medical underwriting.
• Pre-existing Conditions: Standard exclusions apply.

Comparative Table of Leading Insurers (General Approach)

Important Note on "Best Insurer": The "best" insurer for you will depend entirely on your individual circumstances, budget, and specific needs. What's crucial is finding an insurer whose policy terms align with your expectations, especially regarding underwriting and exclusions. Remember, none of these insurers will routinely cover chronic or pre-existing conditions on standard individual policies.

How to Navigate the Application Process and Get the Best Policy

Applying for private health insurance when you have a pre-existing condition requires a strategic approach. It's not just about finding the cheapest premium; it's about finding the right policy that provides the most value for your specific situation.

Step-by-Step Guide to Getting Covered:

1. Assess Your Needs and Understand Your Budget: * What do you want to achieve with private health insurance? Is it faster access to specialists? Avoiding NHS waiting lists for common procedures? Peace of mind for unexpected events? * What's your budget? Private health insurance can be a significant monthly cost. Be realistic about what you can afford, and remember that higher excesses or the 6-week wait option can reduce premiums.

2. Understand Your Medical History (Honestly and Thoroughly): * Before you even speak to an insurer or broker, list out all your past medical conditions, treatments, symptoms, and diagnoses, including dates. * Honesty is paramount. Any non-disclosure, even accidental, can invalidate your policy when you need to make a claim. Insurers will always investigate medical history at the point of a claim, especially with moratorium underwriting.

3. Choose Your Preferred Underwriting Method (and understand the implications): * Moratorium: If you prefer a quick setup and don't want to disclose your full history upfront, and you're prepared for the "wait and see" approach for past conditions. Remember, you'll still need to disclose at the point of claim. * Full Medical Underwriting (FMU): If you want absolute clarity on exclusions from day one, are comfortable providing a detailed medical history, and perhaps have very few or very old, resolved conditions. This can avoid surprises later.

4. Compare Quotes and Policy Features: * Don't just look at the price. Compare the level of cover, hospital lists, outpatient limits, mental health benefits, cancer care, and physiotherapy allowances. * Look at the core benefits but also the optional extras. * This is where a specialist broker becomes invaluable.

The Indispensable Role of a Specialist Health Insurance Broker

Navigating the intricacies of private health insurance, especially with pre-existing conditions, can be incredibly complex. Each insurer has slightly different definitions, underwriting rules, and policy wordings. This is precisely where a specialist health insurance broker shines.

This is where we come in. At WeCovr, we specialise in helping individuals and businesses navigate the complex world of UK health insurance. We understand the nuances of pre-existing conditions and the varying approaches of different insurers.

Here's how a broker like WeCovr helps:

• Impartial Advice: We are not tied to a single insurer. We work with all major UK providers (Axa Health, Bupa, Vitality Health, WPA, Aviva, The Exeter, National Friendly, and more). This allows us to provide unbiased advice and compare options across the market to find the best fit for your specific needs.
• Expert Knowledge: We possess in-depth knowledge of each insurer's policy terms, underwriting rules, and typical exclusions, particularly regarding pre-existing conditions. We can explain how different underwriting methods will impact your personal situation.
• Time and Effort Saving: Instead of spending hours researching and contacting multiple insurers yourself, we do the legwork for you. We gather quotes, compare benefits, and present you with clear, concise options.
• Finding the "Sweet Spot": We can identify insurers who might be more flexible on certain very minor, resolved conditions (under FMU) or help you understand the precise implications of a moratorium.
• Simplifying Complexities: We translate complex insurance jargon into plain English, ensuring you fully understand what you're buying.
• Application Support: We guide you through the application process, ensuring all necessary information is provided accurately to avoid future claim issues.
• Ongoing Support: Many brokers offer ongoing support, assisting with renewals or helping if you need to make a claim.
• No Cost to You: Our service is completely free to you. Brokers are paid a commission by the insurer once a policy is taken out, which is already built into the premium you pay, meaning you don't pay more for using our expertise.

5. Read the Small Print (Policy Wording): * Once you receive a quote and an illustration, carefully read the full policy wording. Pay particular attention to the "General Exclusions" and "Specific Exclusions" sections. * If anything is unclear, ask your broker for clarification.

6. Apply and Disclose Fully: * Complete the application form accurately and thoroughly. * Always disclose everything. It's far better to have a condition excluded upfront than to have a claim denied later due to non-disclosure.

7. Review Your Policy Annually: * Circumstances change. Your health might change, or new products might enter the market. Review your policy at renewal time with your broker to ensure it still meets your needs and remains competitive.

Common Misconceptions and Important Considerations

There are several prevalent misunderstandings about private health insurance, especially in relation to pre-existing conditions, that need addressing.

Misconceptions:

• "Private insurance will replace the NHS entirely."
  • Reality: Private health insurance in the UK is designed to complement the NHS, not replace it. The NHS remains your primary provider for emergencies, chronic condition management, and conditions specifically excluded by your private policy. Private insurance offers choice, speed, and comfort for eligible acute conditions.
• "All pre-existing conditions make you uninsurable for life."
  • Reality: This is incorrect. While pre-existing conditions are generally excluded, you can absolutely obtain a private health insurance policy. It will cover any new, acute conditions that arise after your policy starts and are unrelated to your pre-existing conditions.
• "You have to pay a fortune for private health insurance."
  • Reality: While it's not cheap, there are many ways to manage costs. Options like choosing a higher excess, opting for the "6-week wait" option, restricting your hospital list, or limiting outpatient benefits can significantly reduce your premium.

Important Considerations:

• Full Disclosure is Non-Negotiable: We cannot stress this enough. If you intentionally or unintentionally fail to disclose relevant medical information during your application, your insurer has the right to deny claims related to that condition or even void your policy entirely. This is a far worse outcome than simply having a condition excluded upfront.
• The 6-Week Wait Option: Many policies offer a "6-week wait" option. This means that if the NHS can treat your condition within six weeks, you will use NHS services. If the NHS waiting list is longer than six weeks, your private insurance will then cover the treatment. This option typically significantly reduces your premiums.
• Excess Options: Choosing a higher excess (the amount you pay towards a claim before your insurer pays) will lower your monthly premiums. For example, a £100 excess means you pay the first £100 of any claim.
• Outpatient Limits: Policies vary widely in their outpatient benefits. Some offer full cover for consultations and diagnostics, while others have limits (e.g., £500 or £1,000 per year). If you anticipate needing many specialist appointments or diagnostic tests, ensure your policy has adequate outpatient cover.
• Chronic Conditions and the NHS: It's crucial to understand that chronic conditions will almost always be managed by the NHS. Private health insurance simply isn't designed for long-term, ongoing care of conditions that don't have a cure.

Case Studies: Real-Life Scenarios (Hypothetical)

Let's illustrate how private health insurance interacts with pre-existing conditions through some hypothetical examples.

Case Study 1: Moratorium Underwriting - The "Wait and See"

• Client: John, 45, had mild anxiety and occasional panic attacks five years ago, which he managed with therapy for six months. He's been symptom-free for the past four years. He's now looking for private health insurance for general peace of mind.
• Action: John opts for a policy with Moratorium Underwriting, as it's quick to set up and he prefers not to go through detailed medical questionnaires.
• Outcome 1 (New Condition): Six months into his policy, John develops severe knee pain from an accidental injury during sport. This is a new, acute condition unrelated to his past anxiety. His private health insurance covers the MRI, specialist consultation, and subsequent physiotherapy.
• Outcome 2 (Pre-existing Condition Flares Up): After 18 months on the policy, John experiences a period of high stress, and his anxiety symptoms return. He seeks private therapy.
  • Result: Because his anxiety was a pre-existing condition (he had symptoms within the 5-year look-back period) and it flared up within the 2-year moratorium period, his private health insurance will not cover the cost of the therapy. He relies on the NHS for support or self-funds private care. If he had remained symptom-free for a full two years on the policy, his anxiety might then have become eligible for cover for acute flare-ups (though typically chronic mental health management is still excluded).

Case Study 2: Full Medical Underwriting - Clarity from Day One

• Client: Sarah, 38, had spinal fusion surgery for a herniated disc three years ago. She has made a good recovery but still experiences occasional minor discomfort and takes over-the-counter painkillers. She wants private health insurance but is concerned about her back.
• Action: Sarah chooses Full Medical Underwriting. She fully discloses her back surgery and ongoing discomfort during the application. The insurer requests a report from her GP.
• Outcome: The insurer reviews her medical history and issues a policy document stating that "any condition related to the spine or back" is a permanent exclusion.
  • Result: Sarah knows exactly where she stands. Any future back pain or spinal issues will not be covered by her private insurance. However, six months later, she is diagnosed with gallstones (a new, acute condition unrelated to her back). Her private health insurance covers the diagnosis and surgical removal of her gallbladder, providing quick access to care.

Case Study 3: Switching Insurers with CPME

• Client: David, 55, has had private health insurance for 10 years. His current policy has an explicit exclusion for his chronic ulcerative colitis (diagnosed 15 years ago) and a past exclusion for a resolved shoulder injury from 7 years ago (which is now covered as it met his previous insurer's moratorium period). He wants to switch insurers for a better premium.
• Action: David works with a broker to find a new insurer that offers CPME (Continued Personal Medical Exclusions).
• Outcome: The new insurer agrees to carry over his existing exclusions.
  • Result: His ulcerative colitis remains excluded, as it's a chronic condition and was already excluded. His shoulder injury, which was already covered by his previous insurer, remains covered by the new insurer, as the new insurer is honouring the previous underwriting terms for covered conditions. He maintains continuity of benefits for all other acute conditions, but his chronic condition remains the responsibility of the NHS.

Cost Factors for UK Private Health Insurance

The premium you pay for private health insurance is influenced by several factors. Understanding these can help you manage costs and tailor a policy to your budget.

The Future of Pre-Existing Conditions and Private Health Insurance

While the healthcare landscape is constantly evolving, it's unlikely we'll see a fundamental shift in how individual private health insurance policies treat pre-existing conditions in the immediate future. The economic model of insurance relies on covering unforeseen risks.

However, trends such as:

• Focus on preventative care: Insurers like Vitality are already leading the way by incentivising healthy living to reduce the incidence of new conditions.
• Digital health and telemedicine: Greater use of virtual consultations and digital health tools might streamline care pathways and make access more efficient.
• Increased mental health awareness: Many insurers are enhancing their mental health provisions, even if chronic conditions remain excluded.
• Corporate scheme evolution: Larger corporate schemes may continue to offer comprehensive benefits, including Medical History Disregarded, as a key employee benefit.

These advancements aim to make healthcare more accessible and efficient, but the core principle of excluding pre-existing conditions for acute care in individual policies is deeply embedded in the financial structure of private health insurance.

Conclusion

Navigating UK private health insurance with pre-existing conditions is undeniably complex, but it is far from impossible. The critical takeaway is this: while standard policies will almost always exclude treatment for conditions you already have, private health insurance remains an incredibly valuable asset for covering new, acute illnesses and injuries that arise after your policy begins.

It offers prompt access to specialists, shorter waiting times, choice of consultant and hospital, and the comfort of private facilities – all benefits that significantly complement the services provided by the NHS. Understanding the different underwriting methods (Moratorium vs. Full Medical Underwriting) is key to setting your expectations and ensuring clarity from the outset.

Remember, honesty and full disclosure are paramount during the application process. Any failure to disclose can lead to claims being denied when you need your policy most.

If you're feeling overwhelmed by the choices and complexities, remember that we are here to help. At WeCovr, we provide impartial, expert advice, comparing policies from all major UK insurers to find the right fit for your unique needs – and our service comes at no cost to you.

Don't let a pre-existing condition deter you from exploring the benefits of private health insurance. While it won't replace the NHS for ongoing chronic care, it can offer invaluable peace of mind and swift access to high-quality treatment for life's unexpected health challenges.

Contact WeCovr today to discuss your options and get tailored advice on securing the best private health insurance policy for you.