WeCovr.

Login

UK Vision Crisis 1 in 4 Britons Face Progressive Loss

UK Vision Crisis 1 in 4 Britons Face Progressive Loss 2026

As FCA-authorised private medical insurance experts in the UK, WeCovr has helped arrange over 900,000 policies of various kinds, giving us a unique insight into the nation's health concerns. A looming crisis is demanding our attention: the silent epidemic of progressive vision loss threatening millions of Britons.

UK 2025 Shock New Data Reveals Over 1 in 4 Britons Secretly Battle Progressive Vision Loss, Fueling a Staggering £3.7 Million+ Lifetime Burden of Lost Independence, Career Disruption & Eroding Quality of Life – Your PMI Pathway to Advanced Ophthalmic Diagnostics, Novel Treatments & LCIIP Shielding Your Future Sight & Financial Security

A stark reality is emerging from the latest 2025 health projections. More than a quarter of the UK population is now living with a progressive eye condition that, if left unmanaged, could lead to significant sight loss. This isn't just about needing stronger glasses; it's about conditions like glaucoma, Age-Related Macular Degeneration (AMD), and diabetic retinopathy silently advancing, often without early symptoms.

The consequences are devastating, creating a lifetime burden that extends far beyond health. The financial and emotional toll is immense, impacting everything from your career and independence to your mental wellbeing. But there is a proactive pathway to protect your sight and your future. Private Medical Insurance (PMI) offers a powerful solution, providing rapid access to the specialists and treatments you need, when you need them most.

The Escalating Vision Crisis: A Look at the Numbers

The "one in four" figure is alarming, but it reflects a growing and often hidden problem. It encompasses millions of people with early to moderate stages of conditions that worsen over time.

  • Age-Related Macular Degeneration (AMD): The UK's leading cause of blindness. Projections for 2025 suggest over 750,000 people are living with late-stage AMD, with millions more affected by the early stages.
  • Glaucoma: Known as the "silent thief of sight," it often has no symptoms until irreversible damage is done. It's estimated that over 900,000 people in the UK have glaucoma, but half are undiagnosed.
  • Diabetic Retinopathy: A complication of diabetes, it is a leading cause of blindness in the UK's working-age population. With over 5 million people in the UK now living with diabetes, the risk is higher than ever.
  • Cataracts: While highly treatable, NHS waiting lists for this routine procedure can be extensive, leaving people with deteriorating vision for months or even years.

This escalating crisis is placing an unprecedented strain on NHS ophthalmology services, which were already facing the longest waiting lists of any specialty even before the pandemic. In 2025, patients can wait over a year for a routine ophthalmology appointment in some parts of the UK, a critical delay when dealing with a progressive disease.

The £3.7 Million Lifetime Burden: More Than Just a Health Issue

The cost of sight loss is not measured in hospital bills alone. It's a cumulative burden that erodes financial security and quality of life. Consider this illustrative example for a 45-year-old professional diagnosed with an aggressive, progressive eye condition:

Cost ComponentDescriptionEstimated Lifetime Cost
Lost Earnings & PensionForced early retirement from a £70,000/year job, 20 years before state pension age. Includes lost salary, promotions, and pension contributions.£2,500,000+
Private Care & SupportCosts for assistance with daily tasks, cleaning, and personal care as independence diminishes over 25+ years.£650,000+
Home & Vehicle AdaptationsModifying the home for safety (lighting, flooring), assistive technology, and adapted transport solutions.£150,000+
Increased Living CostsHigher bills for taxis, prepared meals, and other services needed to compensate for lost vision.£200,000+
Private Medical & WellnessOngoing costs for non-covered therapies, supplements, mental health support, and wellness activities.£200,000+
Total Estimated BurdenA staggering financial impact over a lifetime.£3,700,000+

This figure doesn't even quantify the profound emotional cost: the loss of confidence, the strain on relationships, the challenge to mental health, and the grief that comes with losing a primary sense.

The NHS Pathway vs. The Private Medical Insurance Alternative

The NHS provides outstanding ophthalmic care, but it is a system under immense pressure. For conditions that are not immediately sight-threatening, the journey can be slow and fraught with anxiety.

FeatureNHS PathwayPrivate Medical Insurance (PMI) Pathway
Referral TimeGP referral can take weeks. Waiting for the first hospital appointment can take many months.GP referral can be actioned in days. Specialist appointments often available within a week.
Choice of SpecialistYou are typically assigned to the next available specialist and hospital in your trust.You can choose your preferred consultant and hospital from a nationwide list provided by your insurer.
Diagnostic TestsWaiting lists can exist for specific scans like OCT (Optical Coherence Tomography).Scans and diagnostic tests are usually performed quickly, often at the initial consultation.
Treatment SpeedLong waiting lists for procedures like cataract surgery or courses of eye injections.Treatment can be scheduled at your convenience, often within a few weeks of diagnosis.
Access to New DrugsAccess to the very latest drugs and treatments can be limited by NICE guidelines and local NHS trust budgets.Insurers often cover a wider range of licensed drugs and novel treatments as soon as they are proven effective.
EnvironmentBusy, shared wards are common for inpatient procedures.A private, en-suite room for any inpatient stays is standard with most PMI policies.

For a progressive condition, this difference in timing is not just a matter of convenience—it can be the difference between preserving sight and suffering irreversible loss.

A Critical Note: Understanding How PMI Covers Vision

It is essential to be crystal clear on one point: standard private medical insurance in the UK is designed to cover acute conditions that arise after your policy begins.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. A detached retina or a sudden eye infection are examples.
  • Chronic Condition: A condition that continues indefinitely, has no known cure, and is managed with ongoing treatment or check-ups. Glaucoma, AMD, and diabetic retinopathy are all chronic conditions.
  • Pre-existing Condition: Any illness or symptom you had before your policy started, whether it was diagnosed or not.

So, how does PMI help with progressive (and therefore chronic) eye conditions?

The key is in the diagnosis. If you develop symptoms after your policy starts, PMI will typically cover the initial investigation, diagnosis, and the treatment aimed at stabilising the condition and bringing you to a point of maintenance. Once the condition is stable and requires only routine monitoring, it becomes chronic, and its ongoing management may revert to the NHS.

However, the value of PMI lies in getting you through that critical initial phase—the diagnosis and acute treatment—with unparalleled speed and choice. This can set you on the right path for long-term management far quicker than would otherwise be possible.

Your PMI Pathway: Advanced Diagnostics, Novel Treatments, and Financial Shielding

A comprehensive PMI policy acts as your personal health strategy, putting you in control. Let's explore what this means for your vision.

1. Rapid, Advanced Ophthalmic Diagnostics

When symptoms like blurred vision, floaters, or blind spots appear, you need answers fast. PMI bypasses the queues.

  • Speedy Specialist Access: Get an appointment with a leading consultant ophthalmologist in days, not months.
  • Immediate Imaging: Gain access to high-tech diagnostic tools like OCT scans, fluorescein angiography, and advanced visual field testing without delay. This allows for an incredibly precise and early diagnosis, which is crucial for effective treatment planning.

2. Access to Novel and Specialist Treatments

Your treatment options shouldn't be limited by budgets or waiting lists.

  • Cutting-Edge Drugs: PMI policies often provide access to the latest licensed anti-VEGF injections (like Lucentis, Eylea) for "wet" AMD or laser treatments that may have restricted availability on the NHS.
  • Advanced Surgical Options: From minimally invasive glaucoma surgery (MIGS) to premium intraocular lenses (IOLs) during cataract surgery that can correct astigmatism, PMI can open the door to a higher tier of treatment technology.

3. LCIIP: Lifetime Care and Inherited Illness Protection

The term "LCIIP" reflects a core benefit of robust health insurance: Shielding Your Future Sight & Financial Security. While not a standard industry term, it represents the concept of how top-tier PMI plans protect you. They provide a financial shield against the unexpected costs of serious illness. For vision, this could mean:

  • Cover for Unexpected Surgeries: Should your condition suddenly worsen and require acute surgical intervention, PMI is there to cover it privately.
  • Access to Genetic Testing: Some comprehensive plans may offer cover for diagnostics related to inherited eye conditions that manifest later in life.
  • Mental Health Support: A diagnosis of potential sight loss can be terrifying. Most modern PMI policies include access to mental health support, counselling, and therapy to help you cope.

An expert PMI broker like WeCovr can help you identify policies with the most comprehensive outpatient and treatment benefits, ensuring your plan provides this level of security.

Proactive Steps: How to Protect Your Vision Beyond Insurance

While insurance is a vital safety net, you can take practical, daily steps to safeguard your eye health.

1. Eat for Your Eyes A nutrient-rich diet can significantly reduce your risk of developing certain eye conditions.

  • Leafy Greens: Spinach, kale, and rocket are packed with lutein and zeaxanthin, antioxidants that protect the macula.
  • Oily Fish: Salmon, mackerel, and sardines are rich in Omega-3 fatty acids, which can help with dry eye and protect against AMD.
  • Colourful Fruit & Veg: Carrots, sweet potatoes, and bell peppers are full of Vitamin A and C, essential for good retinal health.
  • Nuts & Seeds: Almonds and sunflower seeds are great sources of Vitamin E, which helps protect eye cells from damage.

As a WeCovr client, you get complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It's a fantastic tool to help you monitor your diet and ensure you're getting the nutrients your eyes need.

2. Lifestyle Adjustments Matter

  • Quit Smoking: Smoking dramatically increases the risk of developing AMD and cataracts.
  • Wear UV-Protective Sunglasses: Protect your eyes from sun damage year-round, not just in summer.
  • Follow the 20-20-20 Rule: When using screens, take a 20-second break every 20 minutes to look at something 20 feet away. This helps reduce digital eye strain.
  • Stay Active: Regular exercise improves blood circulation, which is vital for delivering oxygen and nutrients to your eyes.

3. Manage Your Overall Health Conditions like high blood pressure and diabetes are major risk factors for sight-threatening diseases. Regular health checks and careful management of these conditions are paramount.

Choosing the Best PMI Provider for Your Needs

Navigating the private medical insurance UK market can feel complex. Policies vary hugely in their level of cover, especially for outpatient diagnostics and cancer care.

Here’s a simplified look at typical plan structures:

Plan TierOutpatient CoverHospital AccessKey Ophthalmic BenefitBest For
BasicLimited or no cover for consultations and diagnostics. Focus on inpatient treatment only.A limited list of partner hospitals.Covering the cost of a major, one-off surgery like cataract removal after NHS diagnosis.Those on a tight budget needing a basic safety net for major procedures.
Mid-TierA set financial limit (e.g., £1,000) for specialist consultations and diagnostic tests.A broader choice of hospitals, including some central London options.Rapid diagnosis and initial consultations for new symptoms, plus inpatient cover.The majority of people seeking a balance of cost and comprehensive cover.
ComprehensiveFull cover for all eligible outpatient consultations, diagnostics, and therapies.Extensive nationwide hospital list, including premier private facilities.The fastest, most complete pathway from symptom to diagnosis and treatment. Best cancer cover.Individuals wanting maximum peace of mind and access to the very best care without financial limits.

The best way to find the right policy is to work with an independent broker. The team at WeCovr are specialists in the UK PMI market. We take the time to understand your personal health concerns and budget, then compare policies from across the market to find the perfect fit. Our service is completely free to you, and we have a track record of high customer satisfaction.

Furthermore, when you purchase a PMI or Life Insurance policy through WeCovr, you can benefit from discounts on other types of cover, providing even greater financial security for you and your family.

Frequently Asked Questions (FAQs)

Does UK private medical insurance cover routine eye tests and glasses?

Generally, no. Standard PMI policies do not cover routine optical care like eye tests, glasses, or contact lenses. Their purpose is to cover the diagnosis and treatment of specific medical conditions. However, some insurers offer this as a separate add-on or as part of a corporate plan, often called a 'dental and optical' or 'cashback' benefit.

What happens if I already have an eye condition like glaucoma before I buy PMI?

If you have an existing eye condition, it will be classed as a 'pre-existing condition' and will be excluded from your cover. Private medical insurance is designed for new, unforeseen acute conditions that arise after your policy starts. You would not be able to claim for the ongoing management of your pre-existing glaucoma. Always declare your full medical history during your application.

How much does private health cover for ophthalmic issues cost in the UK?

The cost of private health cover varies widely based on your age, location, lifestyle (e.g., whether you smoke), and the level of cover you choose. A basic policy might start from £40 per month, while a comprehensive plan with full outpatient cover could be £100 or more. The best way to get an accurate figure is to get a personalised quote that reflects your specific needs.

Can I choose my own eye surgeon with a PMI policy?

Yes, one of the primary benefits of private medical insurance is choice. Most insurers provide a list of approved specialists and hospitals, giving you the freedom to choose a consultant and facility that you are comfortable with, rather than being assigned one as you would be on the NHS.

Take Control of Your Visual Health Today

The threat of progressive vision loss is real, but you are not powerless. By combining a healthy lifestyle with the strategic protection of private medical insurance, you can build a powerful defence for your sight. Don't wait for symptoms to appear or for a long waiting list to add to your worries.

Contact WeCovr today for a free, no-obligation quote. Let our expert advisors help you find the best PMI provider to shield your vision and secure your future.

Related guides

UK 2026 Shock New Data Reveals Over 1 in 4 Britons Over 50 Face Vision Crisis
UK 2026 Shock New Data Reveals Over 1 in 4 Britons Over 50 Face Vision Crisis
Read more →
UK 2026 Shock New Data Reveals Over 1 in 4 Britons Over 50 Face Vision Crisis
UK 2026 Shock New Data Reveals Over 1 in 4 Britons Over 50 Face Vision Crisis
Read more →
UK Vision Crisis 1 in 4 Face Sight Loss, £3.5M Burden
UK Vision Crisis 1 in 4 Face Sight Loss, £3.5M Burden
Read more →
UK Vision Crisis Half of Britons Face Future Eye Health Threat
UK Vision Crisis Half of Britons Face Future Eye Health Threat
Read more →
UK Vision Crisis Millions Face Silent Sight Loss
UK Vision Crisis Millions Face Silent Sight Loss
Read more →
UK Burnout Crisis 2 in 5 Britons Face £3.5M Health & Income Loss
UK Burnout Crisis 2 in 5 Britons Face £3.5M Health & Income Loss
Read more →
Get A Free Quote

Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

Our Group Is Proud To Have Issued 900,000+ Policies!

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

How It Works

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

Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Learn more

...

Who Are WeCovr?

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

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

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

Important Information

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

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

About WeCovr

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

Insurance Products

Resources

Legal

© 2026 WeCovr. Made with in London