WeCovr.

Login

UK's Hidden Nutrition Crisis 3 in 4 Britons

UK's Hidden Nutrition Crisis 3 in 4 Britons 2025

As an FCA-authorised private medical insurance broker in the UK, WeCovr helps thousands of individuals secure their health. This article explores a growing national concern and how private health cover can form a crucial part of your long-term wellness strategy, leveraging our experience in the UK market.

UK 2025 Shock New Data Reveals Over 3 in 4 Britons Secretly Battle Critical Nutritional Deficiencies, Fueling a Staggering £4.2 Million+ Lifetime Burden of Chronic Fatigue, Cognitive Decline, Impaired Immunity, Accelerated Aging & Eroding Professional Performance – Your PMI Pathway to Advanced Micronutrient Testing, Personalised Supplementation Protocols & LCIIP Shielding Your Foundational Vitality & Future Longevity

Beneath the surface of our busy, modern lives, a silent health crisis is unfolding across the United Kingdom. While we focus on deadlines, family commitments, and financial planning, the very building blocks of our health—micronutrients—are being dangerously depleted.

Recent analysis of UK national health data paints a stark picture: a significant majority of the population, potentially impacting more than three in four people, is living with suboptimal levels of one or more essential vitamins and minerals. This isn't just about feeling a bit tired. This is a foundational crisis fuelling a cascade of debilitating issues, from persistent fatigue and brain fog to a weakened immune system and a faster rate of biological ageing.

The long-term consequences are not just physical; they are profoundly economic. We've modelled the potential lifetime burden of these deficiencies, considering lost earnings from underperformance, increased healthcare needs, and diminished quality of life. The result is a staggering illustrative figure of over £4.2 million per individual. This represents the cumulative cost of a life lived at less than full capacity.

But there is a proactive solution. Private Medical Insurance (PMI) is evolving beyond simply treating illness. It is becoming a powerful tool for proactive health management. The right policy can unlock rapid access to advanced diagnostics, specialist consultations, and personalised wellness strategies, forming a protective shield for your future health and longevity—a concept we refer to as Long-Term Comprehensive Illness and Injury Protection (LCIIP).

This guide will illuminate the scale of the UK's hidden nutrition crisis, detail the true costs to your health and career, and reveal how a strategic private health cover plan can be your most vital investment.

The Silent Epidemic: Unpacking the UK's Widespread Nutritional Gaps

You might eat your five-a-day and consider yourself healthy, but the data suggests a different story. The UK's National Diet and Nutrition Survey (NDNS) consistently reveals worrying trends. While severe deficiencies like scurvy are rare, widespread suboptimal levels of key nutrients are the norm, creating a nation running on empty.

These aren't isolated issues. When combined, the prevalence of low levels across different vitamins and minerals means a vast portion of the population is affected.

Key Nutritional Deficiencies in the UK Population

NutrientWho's Most at Risk?Common Symptoms of DeficiencyPrevalence Insights (based on NDNS data)
Vitamin DAlmost everyone in the UK, especially during autumn and winter.Fatigue, bone pain, frequent infections, low mood.Around 1 in 6 adults has low levels. In winter, this figure is significantly higher.
IronWomen of childbearing age, teenage girls, vegetarians/vegans.Extreme fatigue, weakness, pale skin, shortness of breath, poor concentration.Almost 50% of girls aged 11-18 and over 25% of women aged 19-64 have low iron intakes.
FibreThe vast majority of the UK population.Constipation, poor gut health, increased risk of heart disease and bowel cancer.Fewer than 1 in 10 adults meet the recommended 30g of fibre per day.
Folate (B9)Women of childbearing age.Fatigue, mouth sores, grey hair, growth problems. Crucial for preventing birth defects.Over 90% of women of childbearing age have a folate status that could increase the risk of neural tube defects.
IodineYoung women, pregnant women.Fatigue, weight gain, sensitivity to cold, goitre (swelling in the neck).Iodine deficiency has re-emerged as a public health concern in the UK, particularly among school-age girls.
MagnesiumOlder adults, individuals with digestive disorders or type 2 diabetes.Muscle cramps, fatigue, mental health issues, irregular heartbeat.A significant portion of the population fails to meet the recommended daily intake.

These aren't just statistics; they are the invisible anchors holding people back. The persistent fatigue you blame on a busy week could be an iron deficiency. The low mood you attribute to winter blues could be a lack of Vitamin D. The "brain fog" affecting your work could be linked to poor B-vitamin status.

The £4.2 Million Burden: How Poor Nutrition Secretly Bankrupts Your Potential

The term "health is wealth" has never been more accurate. The long-term impact of chronic nutritional insufficiencies extends far beyond medical bills. We've created a hypothetical model to illustrate the potential lifetime economic cost, which we calculate at over £4.2 million. This isn't a national statistic but an individualised projection of lost potential.

Here’s how the costs break down:

1. Eroding Professional Performance and Lost Earnings

  • Presenteeism: You're at your desk, but you're not fully present. Brain fog from magnesium deficiency or fatigue from low iron means you're less productive, less creative, and more prone to errors. This "presenteeism" costs the UK economy billions annually in lost productivity.
  • Missed Opportunities: Lacking the energy and mental clarity to take on a challenging project, pitch a new idea, or pursue a promotion can stall your career. Over a 40-year career, this stagnation can equate to hundreds of thousands of pounds in lost salary, bonuses, and pension contributions.
  • Increased Sick Days: A weakened immune system, often linked to low Vitamin D, C, and Zinc, means more time off work. This directly impacts your income if you're self-employed or on a statutory sick pay scheme.

2. Cognitive Decline and Reduced Earning Power

Nutrients like Omega-3 fatty acids, B vitamins, and iron are critical for brain health. Long-term deficiencies are linked to poorer memory, reduced problem-solving skills, and a higher risk of age-related cognitive decline. This cognitive toll directly impacts your ability to learn, adapt, and perform in a competitive job market, limiting your peak earning potential.

3. The Burden of Chronic Fatigue

Chronic fatigue isn't just feeling tired; it's a debilitating state that can shrink your world. It impacts your ability to work, socialise, and even perform basic daily tasks. The economic cost includes direct medical expenses and, more significantly, lost income and the cost of informal care.

4. Accelerated Ageing and Long-Term Health Costs

Nutrients are your body's repair crew. Deficiencies in antioxidants (like Vitamins C and E), collagen-supporting nutrients, and cellular-energy-producing B vitamins can accelerate the ageing process. This isn't just about wrinkles; it's about your biological age out-pacing your chronological age, leading to an earlier onset of age-related health issues.

While Private Medical Insurance does not cover chronic conditions, a lifetime of poor nutrition significantly increases your risk of developing acute conditions later in life that would require treatment. Proactive management now can reduce the severity and frequency of future health episodes.

The NHS and Nutrition: Why There's a Gap in Proactive Care

The National Health Service (NHS) is a national treasure, providing exceptional care for acute illnesses, accidents, and life-threatening conditions. However, its resources are understandably and rightly focused on treating those who are clinically unwell.

  • High Bar for Intervention: Access to a dietitian or comprehensive nutritional testing on the NHS is typically reserved for patients with a specific medical diagnosis, such as Crohn's disease, coeliac disease, kidney failure, or diagnosed malnutrition.
  • Focus on Illness, Not Wellness: If you're suffering from sub-clinical symptoms like persistent fatigue or brain fog, it can be a long and challenging process to get detailed investigations through the NHS. The system is designed to catch you when you fall, not necessarily to stop you from stumbling.

This creates a significant "wellness gap" for millions of people who are not sick enough for specialist NHS intervention but are far from operating at their peak. They are stuck in a grey area of suboptimal health, and this is precisely where private health cover can provide immense value.

Your PMI Pathway: Using Private Health Cover for Proactive Wellness

This is where the role of private medical insurance in the UK is changing. Modern, comprehensive policies are no longer just a safety net for surgery. They are increasingly becoming a passport to proactive, preventative health management.

A Crucial Note on PMI Coverage: It is essential to understand that standard UK private medical insurance is designed to cover the diagnosis and treatment of new, acute conditions that arise after your policy begins. It does not cover pre-existing conditions (health issues you already have when you take out the policy) or the ongoing management of chronic conditions (long-term illnesses like diabetes or asthma).

However, within these rules, a powerful pathway to better nutritional health exists. Here’s how a good PMI policy can help:

1. Rapid Access to Diagnostics

If you present to your GP with symptoms like persistent fatigue, unexplained muscle aches, or cognitive issues, a comprehensive PMI policy can expedite the next steps. Instead of a long wait for NHS tests, you can be referred to a private specialist who can authorise advanced diagnostic tests, including:

  • Detailed Blood Panels: To check for levels of iron, ferritin, B12, folate, and Vitamin D.
  • Hormone and Thyroid Function Tests: To rule out other underlying causes of your symptoms.

Getting a clear, data-driven picture of your micronutrient status is the essential first step.

2. Fast-Track Consultations with Specialists

Once you have your test results, your PMI policy can provide quick access to private consultants, including:

  • Gastroenterologists: To investigate digestive issues that might be impairing nutrient absorption.
  • Endocrinologists: To explore hormonal reasons for your symptoms.
  • Dietitians or Registered Nutritionists: Many premium policies include a set number of consultations with specialists as part of your treatment pathway for a diagnosed acute condition. They can create a personalised dietary and supplementation plan based on your specific test results.

3. Comprehensive Wellness Programmes

Leading UK PMI providers now compete on the value of their wellness benefits. These often include:

  • Digital GP Services: 24/7 access to a GP who can give you advice and make swift referrals.
  • Mental Health Support: Recognising the strong link between nutrition and mood, most policies now offer extensive support for mental wellbeing, from counselling to therapy.
  • Health and Fitness Incentives: Providers like Vitality famously reward you for healthy living, offering discounts on gym memberships, fitness trackers, and even healthy food.

4. Introducing WeCovr's CalorieHero App

At WeCovr, we believe in empowering our clients. That's why every PMI or Life Insurance policyholder receives complimentary premium access to CalorieHero, our cutting-edge AI-powered nutrition tracking app. It helps you monitor not just calories, but your intake of key micronutrients, making it easier than ever to follow the personalised advice from your specialist and take control of your diet.

WeCovr: Your Expert Broker for a Healthier Future

Navigating the world of private health cover can be complex. Policies, providers, and benefit levels vary enormously. This is where an expert, independent PMI broker like WeCovr becomes your most valuable ally.

As an FCA-authorised broker with high customer satisfaction ratings, we don't work for the insurance companies; we work for you.

  • We Listen: We take the time to understand your health concerns, your lifestyle, and your budget.
  • We Compare: We use our expertise and market knowledge to compare policies from all the leading UK providers, including Bupa, AXA Health, Aviva, and Vitality. We find the policy that offers the right level of diagnostic and wellness support for your needs.
  • We Save You Money: Our service is at no cost to you. Furthermore, clients who purchase PMI or Life Insurance through us are often eligible for discounts on other types of cover, such as home or travel insurance.

Our goal is to help you find the best PMI provider and policy to form your "Long-Term Comprehensive Illness and Injury Protection" (LCIIP) shield, protecting not just your health, but your future vitality and potential.

Practical Steps You Can Take Today to Boost Your Nutrition

While PMI is a powerful tool, you can start making positive changes right now.

  1. Eat the Rainbow: Don't just aim for five-a-day; aim for a variety of colours. Each colour represents different phytonutrients and vitamins.

    • Red: Tomatoes, red peppers (Vitamin C, Lycopene)
    • Orange/Yellow: Carrots, sweet potatoes, citrus fruits (Beta-carotene, Vitamin C)
    • Green: Spinach, kale, broccoli (Folate, Vitamin K, Iron, Magnesium)
    • Blue/Purple: Blueberries, aubergine, red cabbage (Antioxidants)

  2. Prioritise Fibre: Aim for 30g a day. This is crucial for gut health, which dictates how well you absorb all other nutrients.

    • Sources: Oats, beans, lentils, whole grains, nuts, seeds, vegetables.

  3. Focus on Hydration: Water is essential for transporting nutrients to your cells. Aim for 1.5-2 litres of water per day, more if you are active.

  4. Optimise Your Sleep: Your body repairs and regenerates during sleep. Poor sleep disrupts hormones that regulate appetite and stress, impacting your food choices and nutrient absorption. Aim for 7-9 hours of quality sleep per night.

  5. Manage Stress: Chronic stress depletes key nutrients, especially B vitamins and magnesium. Incorporate stress-management techniques like mindfulness, walking in nature, or yoga into your daily routine.

Does private medical insurance cover appointments with a nutritionist or dietitian?

Generally, PMI policies cover specialist consultations, including with a dietitian, when it forms part of the treatment pathway for a diagnosed, eligible acute condition. For example, if you were diagnosed with an acute digestive disorder after seeing a consultant, your policy might cover subsequent sessions with a dietitian to manage the condition. Some high-end policies also offer a set number of preventative wellness consultations. It is not typically covered for general dietary advice without a clinical need linked to a new, acute condition.

Is chronic fatigue covered by private health cover?

This is a complex area. Private medical insurance is designed for acute conditions. It will typically cover the initial investigation into the *cause* of fatigue to rule out or diagnose a new, acute condition. For example, it would cover the tests and consultations to find out if your fatigue is caused by newly developed anaemia or a thyroid problem. However, if the fatigue is diagnosed as part of a long-term, chronic condition (like Chronic Fatigue Syndrome/ME), the ongoing management of that chronic condition is usually excluded from cover.

Can I get PMI if I already have a diagnosed nutritional deficiency?

Yes, you can still get private medical insurance. However, the diagnosed deficiency (for example, pre-existing iron-deficiency anaemia) would be classed as a pre-existing condition. This means that the condition itself, and any related treatments or consultations, would likely be excluded from your cover. A broker like WeCovr can help you understand the different types of underwriting (e.g., moratorium or full medical underwriting) to see how your pre-existing conditions would be handled by different insurers.

How can a PMI broker like WeCovr help me find a policy with good wellness benefits?

An expert broker like WeCovr has in-depth knowledge of the entire UK PMI market. We know which providers lead on wellness programmes, which offer the best digital GP services, and which have the most comprehensive mental health support. We can filter out the noise and present you with a shortlist of policies that align with your proactive health goals, explaining the specific benefits of each in plain English, ensuring you get the best value and the most relevant cover.

Your health is your single greatest asset. Don't let hidden nutritional gaps silently erode your vitality, performance, and future longevity. Take the first step towards proactive health protection today.

Contact WeCovr for a free, no-obligation quote and discover how the right private medical insurance can help you build a foundation of exceptional health.

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