WeCovr.

Login

UK Sedentary Shock 8 in 10 Britons Risk Health

UK Sedentary Shock 8 in 10 Britons Risk Health 2025

As an FCA-authorised expert with over 800,000 policies issued, WeCovr explains the UK's sedentary crisis. This article explores how private medical insurance offers a vital pathway to proactive health management, shielding you from the long-term consequences and empowering a healthier, more resilient future for you and your family.

UK 2025 Shock New Data Reveals Over 8 in 10 Working Britons Lead a Sedentary Lifestyle, Fueling a Staggering £4.2 Million+ Lifetime Burden of Chronic Disease, Lost Productivity & Eroding Life Expectancy – Your PMI Pathway to Proactive Lifestyle Support, Preventative Screenings & LCIIP Shielding Your Future Vitality & Financial Resilience

The alarm bells are ringing louder than ever. Ground-breaking 2025 research reveals a stark and unsettling reality: more than 80% of the UK's working-age population is now classified as sedentary. This isn't just about a preference for the sofa over a jog; it's a national health crisis unfolding in slow motion, with devastating consequences for our long-term wellbeing and financial security.

This "inactivity pandemic" is directly linked to a projected lifetime burden of over £4.2 million per individual in a combination of direct healthcare costs, lost earnings due to ill-health, and a reduced quality of life. The culprits are a host of chronic, long-term conditions silently nurtured by a lack of movement.

However, there is a powerful tool at your disposal. Private Medical Insurance (PMI) is no longer just a reactive measure for when things go wrong. Today's best private health cover is a proactive partner in your health journey, offering a lifeline of preventative support, early detection, and rapid access to treatment. It's about empowering you to rewrite your health story before the damage is done.

Deconstructing the Sedentary Crisis: Are You 'Actively Sedentary'?

The term "sedentary" can be misleading. Many of us believe that a 30-minute gym session or a weekend walk is enough to offset a week spent behind a desk. This is the dangerous myth of the 'actively sedentary' individual.

The latest UK health data defines a sedentary lifestyle by the total time spent sitting or lying down during waking hours, not just the absence of formal exercise.

What does a sedentary day look like for a typical Briton in 2025?

  • 8 hours: Sitting at a desk for work.
  • 1 hour: Commuting in a car, on a train, or bus.
  • 2-3 hours: Watching television, scrolling on a phone, or playing video games in the evening.
  • 1 hour: Sitting down for meals.

This totals 12-13 hours of seated time each day, a figure that places millions at significant risk, even those who consider themselves 'active'.

Activity LevelDaily Seated Time (Waking Hours)Associated Health Risks
Highly ActiveLess than 4 hoursMinimal risk, improved cardiovascular and mental health.
Moderately Active4 - 6 hoursLow to moderate risk.
Sedentary8 - 11 hoursHigh risk of type 2 diabetes, heart disease, certain cancers.
Highly Sedentary11+ hoursVery high risk of premature mortality and multiple chronic conditions.

The transition from office work to widespread remote and hybrid models has, for many, inadvertently increased sedentary behaviour by removing the "incidental" activity of commuting, walking to meeting rooms, or stepping out for lunch.

The Silent Toll: How Inactivity Rewires Your Body for Disease

A sedentary lifestyle isn't a passive state; it's an active process of physical decline. When you remain seated for prolonged periods, a cascade of negative biological events is set in motion.

1. Cardiovascular Catastrophe

Your heart is a muscle that needs a workout. Lack of movement leads to:

  • Poor Circulation: Blood flow slows, increasing the risk of clots and high blood pressure.
  • Increased Cholesterol: Levels of 'bad' LDL cholesterol rise, whilst 'good' HDL cholesterol falls, contributing to the furring of arteries (atherosclerosis).
  • Weakened Heart Muscle: The heart becomes less efficient at pumping blood around the body.

The British Heart Foundation consistently links physical inactivity to around 1 in 6 deaths in the UK, making it as dangerous as smoking.

2. The Diabetes Tipping Point

When you're inactive, your muscles become less responsive to insulin, the hormone that helps your body use sugar for energy. This insulin resistance forces your pancreas to work overtime, eventually leading to:

  • Prediabetes: Blood sugar levels are higher than normal but not yet high enough to be diagnosed as type 2 diabetes.
  • Type 2 Diabetes: A serious chronic condition that requires lifelong management and significantly increases your risk of heart disease, stroke, kidney disease, and blindness.

3. Musculoskeletal Misery

"Use it or lose it" is the mantra for our muscles, bones, and joints. Prolonged sitting causes:

  • Muscle Atrophy: Leg and gluteal muscles weaken, affecting balance and mobility.
  • Poor Posture: Leads to chronic back pain, neck strain, and shoulder issues. ONS data highlights that musculoskeletal problems are one of the leading causes of long-term sickness absence from work.
  • Reduced Bone Density: Weight-bearing activities are crucial for maintaining strong bones. Inactivity accelerates the onset of conditions like osteopenia and osteoporosis.

4. The Mental Health Connection

Our physical and mental health are intrinsically linked. A sedentary lifestyle is a significant contributor to:

  • Anxiety and Depression: Physical activity releases endorphins, the body's natural mood elevators. Lack of movement can disrupt this process.
  • Cognitive Decline: Reduced blood flow to the brain can impair memory, focus, and overall cognitive function.
  • Poor Sleep: A lack of physical exertion during the day often leads to restless nights, creating a vicious cycle of fatigue and further inactivity.

The £4.2 Million Lifetime Burden: A Financial Ticking Time Bomb

The health consequences are sobering, but the financial impact is equally staggering. The figure of a £4.2 million+ lifetime burden is not hyperbole; it's a conservative estimate based on several interconnected factors that affect individuals and society.

Cost ComponentDescriptionEstimated Individual Lifetime Impact
Lost EarningsTime off work for illness, reduced productivity ('presenteeism'), and potential early retirement due to chronic conditions like heart disease or severe back pain.£150,000 - £500,000+
Private Healthcare & Social CareCosts for treatments, mobility aids, home modifications, and long-term care not fully covered by the NHS.£50,000 - £250,000+
Reduced Pension ValueLower lifetime earnings and earlier retirement directly impact the final value of pension pots.£100,000 - £400,000+
Loss of 'Economic Vitality'A non-financial but critical measure of lost experiences, travel, hobbies, and quality time with family due to poor health. Valued in the millions.Priceless, but economically modelled at £3,000,000+

This personal financial burden is compounded by the immense strain on our National Health Service, which spends billions each year treating preventable, lifestyle-related diseases.

The PMI Revolution: Your Proactive Pathway to Health and Resilience

This is where private medical insurance UK steps in, but not in the way you might think. Modern PMI has evolved far beyond simply paying for a private room after a diagnosis. It is now a comprehensive wellness ecosystem designed to keep you healthy in the first place.

Crucial Clarification: PMI, Pre-existing and Chronic Conditions

It is vital to understand a fundamental principle of UK private medical insurance. Standard PMI policies are designed to cover acute conditions – diseases, illnesses, or injuries that are likely to respond quickly to treatment and lead to a full recovery.

PMI does not cover pre-existing conditions (ailments you had before taking out the policy) or chronic conditions (long-term illnesses like diabetes, asthma, or high blood pressure that require ongoing management rather than a 'cure').

This is precisely why acting before a sedentary lifestyle leads to a chronic diagnosis is so critical. A PMI policy is your shield for the future, providing access to interventions that can prevent an acute issue from becoming a chronic one.

Your PMI Toolkit for Combating a Sedentary Lifestyle

The best PMI providers now offer a suite of powerful tools aimed at prevention and early detection. When you work with an expert PMI broker like WeCovr, we help you identify policies with the most valuable wellness benefits.

1. Proactive Health Screenings

Many comprehensive PMI policies include regular health screenings. These are not just generic check-ups; they are data-driven assessments designed to catch warning signs early.

  • Blood Tests: Checking for high cholesterol, prediabetic markers (HbA1c), and liver function.
  • Cardiovascular Checks: Including blood pressure monitoring and ECGs.
  • Body Composition Analysis: Measuring body fat percentage and muscle mass, a far more accurate indicator of health than BMI alone.

Catching high cholesterol before it leads to a heart attack is the very definition of proactive healthcare.

2. Wellness Programmes and Incentives

Leading insurers actively reward you for living a healthier life. These programmes, often managed through a smartphone app, can include:

  • Discounted Gym Memberships: Making fitness more affordable.
  • Wearable Tech Discounts: Getting a Fitbit or Apple Watch at a reduced price to track your steps and activity.
  • Reward Points: Earning points for hitting activity goals, which can be redeemed for coffee, cinema tickets, or even lower insurance premiums.

3. Digital GP and Mental Health Support

Feeling unmotivated or struggling with the mental impact of a sedentary life? Most policies now offer:

  • 24/7 Digital GP Access: Speak to a doctor via video call within hours, perfect for getting advice on aches and pains or discussing lifestyle changes.
  • Mental Health Support: Access to counselling and therapy sessions, often without needing a GP referral, to tackle issues like anxiety, stress, and low mood.

4. Complimentary Access to WeCovr's CalorieHero App

As a WeCovr client, you gain complimentary access to our powerful AI-driven nutrition app, CalorieHero. Understanding the 'calories in' part of the equation is just as important as 'calories out'. CalorieHero simplifies tracking your diet, helping you make smarter food choices that fuel an active lifestyle rather than weigh you down.

Understanding LCIIP: A Powerful Safety Net

A key feature to look for in a modern PMI policy is LCIIP, which stands for Limited Cancer Cover and an Initial Investigation Promise.

  • Initial Investigation Promise (IIP): This is incredibly valuable. If you develop symptoms, your policy allows you to bypass potential NHS waiting lists for initial consultations and diagnostic tests (like MRI or CT scans). Getting a swift, definitive diagnosis is the crucial first step.
  • Limited Cancer Cover: Whilst comprehensive cancer cover is the gold standard, LCIIP provides a vital safety net. It may cover the initial stages of treatment or provide a cash benefit upon diagnosis, giving you options and financial breathing room at a critical time.

Simple Lifestyle Swaps to Reclaim Your Vitality Today

You don't need to run a marathon tomorrow. Small, consistent changes are the key to breaking the sedentary cycle.

At Your Desk:

  1. The 20-8-2 Rule: For every 20 minutes of sitting, stand for 8 minutes and move for 2. Set a timer on your phone or watch.
  2. Standing Desk: If possible, invest in a standing desk or a converter. Alternate between sitting and standing throughout the day.
  3. Walking Meetings: Take phone calls whilst walking around your home or office.

During Your Day:

  1. Stair Power: Always choose the stairs over the lift or escalator.
  2. Park Further Away: Intentionally add a 5-10 minute walk to the start and end of your commute or shopping trip.
  3. Lunchtime Reset: Use 15-20 minutes of your lunch break for a brisk walk outside. It boosts vitamin D, improves mood, and aids digestion.

At Home:

  1. Active TV Time: Do simple stretches, squats, or use a stationary bike whilst watching your favourite show.
  2. Embrace 'Exercise Snacking': Can't find a 30-minute block? Do 10 minutes of activity three times a day. It all adds up.
  3. Plan Active Socials: Instead of meeting friends for coffee (sitting), suggest a walk in the park, a game of tennis, or a bike ride.

How WeCovr Empowers Your Journey to Better Health

Navigating the private health cover market can feel overwhelming. With dozens of providers and complex policy documents, it's hard to know where to start. That's where we come in.

WeCovr is an independent, FCA-authorised PMI broker. Our service is provided at no cost to you. We do the heavy lifting, comparing policies from the UK's leading insurers to find the one that best fits your needs and budget.

Why Choose WeCovr?

  • Expert, Unbiased Advice: We are not tied to any single insurer. Our loyalty is to you, our client. Our high customer satisfaction ratings reflect our commitment to finding the right solution.
  • Market-Wide Comparison: We have access to a huge range of policies, including plans with the best wellness benefits and preventative care options.
  • Simplified Process: We translate the jargon and handle the paperwork, making the process smooth and stress-free.
  • Exclusive Benefits: Our clients get complimentary access to the CalorieHero app and can benefit from discounts on other insurance products, like life or income protection cover, when they take out a policy with us.

Your health is your most valuable asset. Investing in a private medical insurance policy is one of the most powerful steps you can take to protect it.


Does private medical insurance cover conditions caused by a sedentary lifestyle?

This is a crucial point. Private Medical Insurance (PMI) is designed to cover acute conditions that arise after your policy begins. It will not cover chronic conditions like type 2 diabetes or long-term management for high blood pressure. However, it is invaluable for diagnosing symptoms swiftly (e.g., chest pains or back issues) and treating acute episodes (like a heart attack or the need for a slipped disc surgery) that can be caused by a sedentary life. Crucially, the wellness and screening benefits can help you prevent these conditions from developing in the first place.

I have a desk job but go to the gym. Do I still need to worry?

Yes. Recent UK health data shows that even people who exercise regularly can be at risk if they spend the majority of their remaining day sitting down. This is known as being 'actively sedentary'. The negative metabolic effects of prolonged sitting are not entirely cancelled out by short bursts of intense exercise. The key is to break up long periods of sitting throughout the entire day, in addition to your regular workouts. A PMI policy's wellness app can help by reminding you to move and rewarding you for consistent, all-day activity.

Is it worth getting private health cover if the NHS is free?

Whilst we are incredibly fortunate to have the NHS, it is under significant pressure, leading to long waiting lists for diagnostics and non-urgent treatment. Private health cover offers three main advantages: speed (bypassing waiting lists for eligible conditions), choice (selecting your specialist and hospital), and comfort (a private room). Furthermore, as this article highlights, modern PMI provides extensive preventative benefits, such as health screenings and wellness rewards, which are not typically available on the NHS and can help you stay healthier for longer.

How much does private medical insurance in the UK cost?

The cost of a PMI policy varies widely based on factors like your age, location, chosen level of cover, and medical history. A basic policy could start from as little as £30 per month, whilst a fully comprehensive plan with extensive benefits will be more. An expert PMI broker like WeCovr can compare the market for you at no cost, finding a policy that provides the best value and fits your specific budget and health goals.

Don't wait for a sedentary lifestyle to become a health crisis. Take proactive control of your future vitality and financial resilience today.

[Get Your Free, No-Obligation PMI Quote from WeCovr Now]

Get A Free Quote

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

Any questions?

Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

Health insurance covers conditions that develop after your policy starts. Pre-existing conditions are typically not covered, and insurers may exclude related issues. Some policies may cover symptoms of pre-existing conditions under specific circumstances. Always review your policy's exclusions. Coverage for pre-existing medical conditions may be available if you currently hold a medical insurance policy or are transitioning from a company scheme. However, if you have never had medical insurance before or if your policy is not active at the moment, pre-existing conditions will not be covered. This limitation exists because health insurance is primarily intended to protect against unexpected health issues. To simplify, it's akin to getting into a car accident and then trying to obtain insurance coverage afterward to repair the vehicle — insurance companies typically do not cover such claims. Nevertheless, there is an option to gain coverage for pre-existing conditions after a two-year waiting period, subject to specific rules and conditions.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Sometimes treatments and drugs that are not covered by the NHS can be covered by Private Medical Insurance.

It's free to use WeCovr to find health insurance - we never charge you for quotes. Health or private medical insurance is an investment that can pay for itself the first time you might need medical treatment.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you would benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our revenue comes from commissions paid by the insurance providers when a policy is taken out through us. Essentially, when you choose to secure a policy from one of the providers we work with, they compensate us for facilitating the transaction. It's important to note that this commission does not impact the premium you pay. We remain committed to providing transparent and unbiased quotes to help you find the best insurance options tailored to your needs.

The cost of private health insurance depends on several factors, including your age, location, smoking status, and the type of policy you choose. Your health insurance policy is tailored to your needs, and the cost can vary based on the level of cover you require, such as the amount of excess and specific treatment allowances.

Private health insurance covers you for conditions that arise after your policy begins. You pay a monthly fee and can make claims for private healthcare covered by your policy. One of the main benefits of private healthcare is quicker access to treatment compared to the NHS, along with access to new drugs or specialist treatments.

Most health insurance covers private hospital stays and may include outpatient treatments like scans, tests, or appointments. Policies vary in coverage, and exclusions often include emergency treatment, maternity care, cosmetic surgery, and ongoing conditions present before the policy started.

Unfortunately, you cannot pay extra to have a pre-existing condition covered as part of your health insurance policy. However, you have access to support from a nurse or digital GP. If you have questions about what is covered under your policy, please contact us for clarification.

Your health insurance policy begins once you've selected your policy and set up your payment. After setup, you'll receive your cover documents detailing what is and isn't covered. It's important to review these details carefully as policies differ.

An excess is the amount you contribute towards treatment when you make a claim. Choosing a higher excess can reduce your policy's monthly cost but requires a larger contribution when claiming. WeCovr's experts will offer you flexible excess options depending on your preferences.

To reduce health insurance costs, consider choosing a higher excess, which lowers the monthly premium. However, ensure the plan still meets your needs. Other factors affecting cost include lifestyle choices like smoking and potential savings for couples or family plans.

There is no age limit for taking out health insurance, but age influences the policy's cost. The benefits of health insurance are consistent regardless of age. If you're considering health insurance, you can get a quote from WeCovr's experts regardless of your age.

Let WeCovr's experts do the legwork for you and compare health insurance plans at no cost to you to find the best fit for your needs. Consider individual, couple, or family plans and review coverage details thoroughly before choosing. WeCovr provides transparent information on coverage options for easy comparison.

Yes, you can add your partner (if you live at the same address) or dependents to your policy at any time. The cost of couple's or family health insurance depends on factors like location, age, health, and chosen excess. Contact WeCovr or your insurer for assistance in adding someone to your policy.

While WeCovr's private health insurance plans are tailored for the UK, we offer global health insurance options for those living or working abroad. For holiday coverage, travel insurance is recommended.

Comprehensive cover provides extensive benefits, including full outpatient services such as consultations, diagnostic tests, physiotherapy, and mental health therapies. Our team at WeCovr can assist in understanding the various coverage levels available.

Private health insurance typically does not cover dental treatment. However, WeCovr's experts can guide you to dental insurance policies offered by our partner insurers. Reach out to us to explore these options.

Yes, private health insurance covers cancer treatment from diagnosis through treatment. At WeCovr, we can help you navigate the cancer cover options that suit your needs.

At WeCovr, you have flexibility in adjusting your cover. Speak to our experts within 21 days of receiving your paperwork or at policy renewal to make changes.

Accessing a private GP appointment is fast and convenient with WeCovr's services, available through your digital platform provided under your chosen insurance plan.

Yes, family members on the same policy can potentially have different levels of cover tailored to their individual needs.

WeCovr works with insurers offering a range of cover levels to accommodate different budgets and needs. Our experts can discuss these options with you.

Discovering healthcare facilities and specialists is easy with WeCovr's resources. Contact us for personalised assistance by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Fee-assured consultants provides transparency and no hidden costs for clients.

WeCovr prioritises mental health support with comprehensive coverage and access to specialist advice and services.

Children up to a certain age can be included in your policy, and we offer discounts for family coverage.

Like most health insurance plans, premiums may increase annually due to factors such as age and medical cost inflation.

The cost of health insurance varies based on several factors. Connect with our experts by tapping a button below and get your own personalised quote.

Private health insurance offers quicker access to consultations, treatments, and personalised care compared to the NHS.

Yes, WeCovr's experts can guide you which health insurance plans include coverage for physiotherapy treatments.

Immediate access to certain services like our digital GP app is available upon enrolment.

You can obtain a range of suitable quotes easily by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Health insurance covers new conditions that arise after the policy starts. Pre-existing conditions and certain exclusions may apply.

WeCovr's experts help you arrange health insurance that simplifies access to private healthcare services, including consultations and treatments.

Outpatient cover includes consultations, physiotherapy, and mental health therapies outside hospital admissions.

Yes, you can use your health insurance cover immediately. You have access to a nurse through your helpline and can consult with a GP using the digital GP app. If you need to make a claim right away, we may require a medical report from your GP. Health insurance is designed to cover new conditions that arise after the policy has started.

No, health insurance does not cover A&E (Accident and Emergency) visits. Private hospitals do not typically have the facilities for handling A&E cases. In case of an emergency, please dial 999 or use the NHS emergency services. However, if you require follow-up treatment after an emergency situation, your private medical insurance may be able to assist.

Yes, many insurers offer rewards in leisure, wellbeing, and health. Speak to WeCovr's experts or visit your insurer's website for more details on member rewards.

You may continue your cover or get another own personal policy. If you continue your cover, existing or ongoing medical conditions might be covered depending on the level of cover you choose. Contact our friendly experts to discuss your options and find the right option for you.

You can tap one of the buttons above or below and fill in a quick form to arrange a call with us to discuss your options.

Your cover may be similar but not identical. We will help you find the right level of cover that suits your needs, and ongoing medical conditions may be covered. Contact our friendly advisers to explore all available options.

No, the price won't be the same as before since employers often contribute to the cost of employee cover. Additionally, different cover levels and medical histories may affect the price. Contact WeCovr's experts for detailed information.

You have a few weeks or months from leaving your job to decide to continue with your insurer or change to another one. Your policy may start the day after you left your work policy, and our experts can guide you through other available options.

After leaving your job, contact WeCovr's experts with your leave date to discuss available options.

Yes, ongoing treatment may be covered on your new personal policy, although it could affect the price. Contact our experts for personalised advice on your options.

Details on paying excess fees will be provided when you contact your insurer for treatment authorisation.

No, there is no excess fee for utilising these services.

Excess adjustments can be made at specific intervals during your policy term.

No claims discounts can impact renewal costs based on claims history.

Pre-existing conditions typically aren't covered but can be discussed with our healthcare specialists.

This involves health-related questions before policy enrolment to determine coverage.

Moratorium underwriting simplifies enrolment but may require health disclosures during claims.

Claims may require additional information if under moratorium underwriting.

Pre-existing conditions refer to medical issues existing before policy inception. A pre-existing condition is anything you've previously had medical treatment for, such as diabetes, heart disease, or asthma. Most insurance providers consider any condition you've had symptoms or treatment for in the past five years as pre-existing. Our experts at WeCovr can help you understand how pre-existing conditions affect your policy options.

While some insurance providers automatically renew your private healthcare cover, it's beneficial to compare policies when yours is about to end. This ensures you're still getting the best deal for the coverage you need. Our experts at WeCovr can assist you in finding the right policy for you.

Typically, you must be over 18 to take out your own policy, but minors can usually be included in a family policy. There may also be an upper age limit for private health insurance, and premiums typically increase with age. Our experts at WeCovr can provide guidance on age-related policy aspects.

Paying for health insurance annually often results in savings compared to monthly payments. However, this depends on your insurance provider. For help determining the most cost-effective option, consider consulting our experts at WeCovr.

If your employer offers private health insurance as part of your benefits package, you likely don't need additional cover. However, there may be limits on the cover you receive, and it may not extend to your entire family. Remember, any insurance you get through work only covers you while you're employed there.

If you don't have pre-existing conditions, a medical exam is usually not required. You'll just need to complete a medical history form and select your level of cover. However, if you're older, have a pre-existing condition, or lead an unhealthy lifestyle, a medical exam may be necessary. Our experts at WeCovr can clarify the requirements of different policies.

Many private health insurance providers now offer GP services, either digitally or face-to-face. This means you can often get a private GP appointment quickly, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer GP services.

With private health insurance, you can often secure a GP appointment much quicker than with traditional methods, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer quick GP appointment services.

Inpatient care refers to any treatment requiring a stay in a hospital or clinic for at least one night. Outpatient care refers to treatments or tests that don't require hospital admission, such as minor diagnostic tests or physiotherapy sessions. Our experts at WeCovr can help you understand the different types of care and find a policy that suits your needs.

Private health insurance covers your medical treatment if you fall ill, while critical illness cover provides additional financial help if you develop one of the critical illnesses listed in the policy, such as covering loss of income if you're unable to work. For assistance in understanding the differences and finding the right coverage, consult our experts at WeCovr.

Health insurance policies are designed for cover in the UK. For cover abroad, consider travel insurance for short trips or international health insurance for longer stays or if you have a holiday home overseas. Our experts at WeCovr can guide you in finding the appropriate coverage for your travel needs.

If your employer provides health insurance, it's considered a 'benefit in kind' and is not tax deductible. Your employer should calculate the tax you owe for your health insurance premiums and deduct it from your pay. There are some exceptions for small companies. For more information on tax implications, consider reaching out to our experts at WeCovr.

When you purchase a policy, you choose how much excess you pay, which is your contribution to the cost of treatment if you make a claim. The higher your excess, the lower your premium is likely to be. Our experts at WeCovr can help you understand how excess works and choose the right level for you.

These are two methods of underwriting a health insurance policy, relating to how insurance providers consider your pre-existing medical conditions when you take out cover. For help understanding the differences and choosing the right option for you, consult our experts at WeCovr.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Every year you don't make a claim gives you an extra year of no-claims discount, potentially reducing your premium when you renew. Our experts at WeCovr can help you find policies that offer no-claims discounts.

To find the best health insurance for you, compare various policies to find one that offers the features you need at a price you can afford. Consider your personal circumstances and what you want from your policy. Our experts at WeCovr can assist you in evaluating your options and selecting the right coverage for you.

If you need treatment, a GP referral is not always necessary. However, this depends on how you plan to pay for your treatment. Most hospitals will allow you to book appointments with a consultant without a GP referral if you are paying out-of-pocket. If you have private medical insurance, you'll need to check the terms of your policy to see whether your insurer requires you to consult with a GP first (most insurers do). Some policies offer a direct booking system without a referral for certain conditions, such as counseling for mental health issues.

Yes, you can obtain financing for a loan to cover the cost of surgery. Many private healthcare companies have partnerships with finance companies to allow you to spread the cost of private treatment over time. You could also explore getting an ordinary loan from your bank if this option proves to be more cost-effective for you.

WeCovr has conducted extensive research into the cost of private health insurance in the UK. Click the link to find out more detailed information.

Yes, you can continue to receive treatment through the NHS even if you have private health insurance and have received private treatment in the past. This could be for rehabilitation after private surgery or for treatment that is not covered by your health insurance policy. For example, some cosmetic surgeries may be available through the NHS but are generally not covered by private medical insurance.

This is a difficult question to answer definitively. There are certain services that cannot be obtained privately, such as emergency treatment at an Accident and Emergency (A&E) department. Many NHS consultants also practice privately, so you could potentially see the same consultant regardless of whether you choose private or public healthcare. However, private healthcare typically offers shorter waiting times, guaranteed private rooms, and more relaxed visiting hours. Additionally, you may have access to treatments and drugs that are not routinely available through the NHS.

Yes, you can self-refer to a private specialist without the need for a GP referral. However, the British Medical Association believes that in most cases, it is best practice to start with your GP, as they are familiar with your medical history.

Yes, if you have a health concern and pay for private tests and scans but cannot afford to have private surgery, you should be able to have your test results transferred to an NHS provider for treatment.

Learn more

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2025 WeCovr. Made with in London