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Understanding Cpme Switching Without Losing Cover

Shopping around is a savvy way to manage your finances, but when it comes to private medical insurance in the UK, many people worry about switching. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we know the biggest fear is losing cover for existing medical conditions.

WeCovr Editorial Team · experienced insurance advisers
Last updated Mar 17, 2026

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TL;DR

Shopping around is a savvy way to manage your finances, but when it comes to private medical insurance in the UK, many people worry about switching. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we know the biggest fear is losing cover for existing medical conditions. This guide explains how you can switch insurers without that risk, using a process called Continuing Personal Medical Exclusions (CPME).

Key takeaways

  • Rising Premiums: This is the number one reason. PMI premiums are influenced by your age, your claims history, and overall medical inflation (the rising cost of private treatment, drugs, and technology). It's not uncommon for renewal prices to increase by 10-25% or more each year. Switching allows you to "re-broke" your policy and see if another top-tier provider can offer a more competitive price for the same level of cover.
  • Enhanced Cancer Cover: Access to the latest drugs and therapies not yet available on the NHS.
  • Improved Mental Health Support: More comprehensive cover for therapy and psychiatric treatment.
  • A Wider Hospital Network: Access to hospitals closer to your home or work.

Shopping around is a savvy way to manage your finances, but when it comes to private medical insurance in the UK, many people worry about switching. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we know the biggest fear is losing cover for existing medical conditions.

This guide explains how you can switch insurers without that risk, using a process called Continuing Personal Medical Exclusions (CPME).

WeCovr's guide to Continuing Personal Medical Exclusions when moving insurers

Private health cover is a significant investment in your wellbeing. As premiums rise each year with age and medical inflation, it's only natural to look for a better deal. However, the fear of starting anew with a policy that excludes conditions you've developed over the years can be paralysing.

This is where CPME underwriting comes in. It’s a specific mechanism designed for people who already have a UK private medical insurance policy and want to move to a new provider.

Essentially, CPME allows you to carry your current level of cover – including for conditions that have arisen since you first took out a policy – to a new insurer. It bridges the gap, ensuring you're not penalised for having used your insurance as intended.

Think of it as moving house but taking your favourite, most comfortable sofa with you. You get a new environment (the new insurer) but keep the essential comforts you've come to rely on (your existing cover).

Critical Note: Acute vs. Chronic Conditions

Before we go further, it's vital to understand a fundamental principle of private medical insurance in the UK. PMI is designed to cover acute conditions – illnesses or injuries that are short-term and curable with treatment (like a cataract or a hernia).

PMI does not cover chronic conditions, which are long-term, incurable, and require ongoing management (like diabetes, asthma, or high blood pressure). This remains true even when switching on a CPME basis. CPME protects your cover for eligible acute conditions that have occurred, not for pre-existing or chronic illnesses.

What is CPME and How Does It Work?

Understanding the jargon is the first step to feeling confident about switching. Let's break down CPME and how it compares to other ways insurers assess your health.

A Simple Definition of CPME

Continuing Personal Medical Exclusions (CPME) is a type of underwriting for individuals switching from one private medical insurer to another. The new insurer agrees to accept you on the same terms as your previous one. This means they won't add new exclusions for medical conditions that were covered by your old policy.

Any personal exclusions you already had will, however, be carried over. It’s a "continuation" of your existing underwriting.

The Key Principle: "No Worse Terms"

The core promise of a CPME switch is that your medical underwriting will be no worse than it was with your previous insurer.

Real-Life Example: Sarah's Switch

Sarah, 45, has had a policy with Insurer A for five years. Two years ago, she developed shoulder pain and her PMI covered the consultation, MRI scan, and course of physiotherapy. Her shoulder is now fine.

At renewal, her premium from Insurer A increases by 20%. She contacts WeCovr to explore her options. We find her a policy with Insurer B that offers similar benefits for a lower premium.

Sarah switches to Insurer B on a CPME basis.

  • What happens? Insurer B agrees to continue covering her for any future eligible shoulder problems, just as Insurer A would have. They do not place a new exclusion on her shoulder because it was a condition that arose and was covered under her previous policy.

CPME vs. Other Underwriting Types

To fully grasp the benefits of CPME, it helps to see how it stacks up against the other main types of underwriting.

Underwriting TypeHow It WorksBest ForKey Consideration
Full Medical Underwriting (FMU)You complete a detailed health questionnaire. The insurer assesses your full medical history and may apply specific exclusions for pre-existing conditions.People who are young, in excellent health, and have no significant medical history.Very thorough, but any past issues (e.g., a bad back 5 years ago) will likely be permanently excluded.
Moratorium UnderwritingNo initial health questions. Instead, any condition you've had symptoms, treatment, or advice for in the 5 years before the policy starts is excluded. This exclusion can be lifted if you go 2 continuous years on the policy without issue.People who want a quicker application process and haven't had recent medical issues. A good default option for first-time buyers.The "2-year rolling" period can be confusing. A condition you thought was minor could be excluded.
Continuing Personal Medical Exclusions (CPME)Your existing underwriting terms and personal medical exclusions are transferred from your old insurer to the new one. No new exclusions are added for conditions already covered.Anyone with an existing PMI policy who has developed medical conditions they want to keep covered.You must switch without any gap in cover, and your old policy's exclusions will be carried over.

Using a CPME basis is almost always the best path for anyone with an existing policy, as it preserves the cover you've built up over the years.

Why Would You Want to Switch Your Private Health Cover?

If CPME allows you to keep your cover, what are the main reasons people decide to move insurers in the first place? The motivations are usually a mix of financial, practical, and service-related factors.

  1. Rising Premiums: This is the number one reason. PMI premiums are influenced by your age, your claims history, and overall medical inflation (the rising cost of private treatment, drugs, and technology). It's not uncommon for renewal prices to increase by 10-25% or more each year. Switching allows you to "re-broke" your policy and see if another top-tier provider can offer a more competitive price for the same level of cover.

  2. Better Benefits or Policy Features: The private medical insurance UK market is constantly evolving. A new provider might offer:

    • Enhanced Cancer Cover: Access to the latest drugs and therapies not yet available on the NHS.
    • Improved Mental Health Support: More comprehensive cover for therapy and psychiatric treatment.
    • A Wider Hospital Network: Access to hospitals closer to your home or work.
    • Higher Outpatient Limits: More generous cover for diagnostic tests and consultations.

  3. Poor Customer Service: A difficult or slow claims experience can destroy your trust in an insurer. Many people switch after feeling let down during a time of need, seeking a provider with a better reputation for customer care and claims handling. WeCovr's high customer satisfaction ratings are a testament to our focus on helping clients navigate these moments.

  4. Valuable Added Services: Insurers are increasingly competing on wellness offerings. By switching, you might gain access to:

    • 24/7 Virtual GP services.
    • Wellness programmes and apps. For instance, WeCovr clients gain complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, to help them stay on top of their health goals.
    • Discounts on gym memberships, fitness trackers, and spa breaks.

The Golden Rules of CPME Switching: What You Need to Know

Switching with CPME is a powerful tool, but it's not automatic. You need to follow a few critical rules to ensure the process is seamless and successful.

Rule 1: No Gap in Cover

This is the most important rule. Your new policy must start the day after your old one ends. Even a single day's gap between policies will invalidate the CPME terms. The new insurer will likely treat you as a new customer, meaning you'll have to undergo fresh underwriting (Moratorium or FMU), and you'll lose cover for conditions that arose under your old policy.

Rule 2: Maintain a Similar Level of Cover

You can't switch from a budget policy with no outpatient cover to a comprehensive policy and expect your old conditions to be covered for new benefits. The new policy's core benefits must be broadly "like-for-like". You can make small adjustments, but a major upgrade will likely trigger fresh underwriting for the upgraded portion of the cover. A PMI broker can guide you on what constitutes a reasonable switch.

Rule 3: Be Completely Transparent

When you apply, you'll need to provide the new insurer with your most recent policy certificate from your old provider. They will use this to confirm your underwriting terms. You must be honest about your claims history if asked. Insurers share information to prevent fraud, and any non-disclosure could lead to a claim being denied or your policy being cancelled.

Rule 4: Exclusions Carry Over

CPME is not a magic wand that erases your medical history. If your original policy had a specific exclusion – for example, for a spinal condition you had before you ever took out insurance – that exclusion will be ported over to your new policy.

Rule 5: The New Insurer's Terms Still Apply

While your personal medical underwriting is carried over, you are still subject to the new insurer's overall policy terms and conditions. For example, if your new policy has a different list of standard exclusions (e.g., for professional sports injuries) or a different hospital list, those new terms will apply to you.

A Step-by-Step Guide to Switching Your PMI with CPME

Feeling more confident? Here’s a practical, step-by-step process for making the switch.

Step 1: Review Your Current Situation About a month before your renewal date, your current insurer will send you a renewal pack. Look at:

  • Your renewal premium: How much has it increased?
  • Your current benefits: What are you covered for? (Inpatient, outpatient, cancer cover, etc.)
  • Your personal exclusions: Remind yourself of any conditions that are already excluded.

Step 2: Speak to an Expert PMI Broker This is the most crucial step. Instead of spending hours trying to compare complex policies yourself, engage an independent broker like WeCovr. Our service costs you nothing. We will:

  • Listen to your needs and reasons for switching.
  • Analyse your current policy to understand your exact level of cover.
  • Compare the entire market to find the best PMI provider offering CPME terms for your situation.
  • Explain the differences in benefits and price in plain English.

Step 3: Gather Your Documents To process a CPME application, your broker will need:

  • A copy of your current policy certificate.
  • Your renewal invitation from your current insurer.
  • Sometimes, a claims history letter (though often the insurer can check this electronically).

Step 4: Compare Your Personalised Quotes WeCovr will present you with clear, easy-to-understand options. This might look something like this:

FeatureYour Current Insurer (Renewal)Provider A (CPME Quote)Provider B (CPME Quote)
Monthly Premium£150£125£130
Hospital ListNationwideNationwide Plus (inc. London)Local & Partner Hospitals
Outpatient Cover£1,000 limitFull cover£1,500 limit
Mental HealthBasic (outpatient only)Comprehensive coverBasic (outpatient only)
Excess£250£250£250
Wellness BenefitNone50% off gym membershipVirtual GP + Points programme

This table allows you to see at a glance where you could save money or gain benefits.

Step 5: Apply for the New Policy Once you've chosen your preferred option, your broker will handle the application. They will ensure it's submitted on a "CPME / Switch" basis and that all the information is correct. This minimises the risk of administrative errors.

Step 6: Check Your New Documents Carefully When you are accepted, you'll receive your new policy documents. Check two things immediately:

  1. The underwriting basis should clearly state "Continuing Personal Medical Exclusions" or similar wording.
  2. The list of exclusions should match the exclusions on your old policy.

Step 7: Cancel Your Old Policy (Timing is Everything!) Only once your new policy is fully active and you have the documents in hand should you contact your old insurer to cancel. Time the cancellation for your renewal date. Do not simply cancel your Direct Debit, as this can cause issues. A formal cancellation ensures a clean break and prevents any gap in cover.

Potential Pitfalls of CPME Switching and How to Avoid Them

While usually straightforward with a broker, there are a few traps to be aware of.

  • The "Downgrade" Trap: If you switch to a new policy with significantly lower benefits (e.g., removing outpatient cover to save money), you might not be able to add that cover back later without fresh medical underwriting. This could mean any condition that develops while you have the lower cover is then excluded from future outpatient treatment.
  • The "Upgrade" Misconception: If you add a new benefit that wasn't on your old policy (e.g., dental cover), your pre-existing dental issues will not be covered. The new benefit will be underwritten on a fresh basis, usually with a moratorium.
  • Switching Mid-Treatment: It is extremely difficult, and often impossible, to switch insurers while you are in the middle of a course of treatment for a condition. You must typically complete the treatment plan before another insurer will consider you on a CPME basis.
  • Forgetting Group Leavers: If you're leaving a company health insurance scheme, you have a golden opportunity. Most insurers allow you to take out a personal policy on a "Group Leaver" basis, which functions just like CPME, continuing your cover without new underwriting. You usually have a limited time (30-90 days) to do this after leaving your job.

WeCovr: Your Partner in Smart Switching

Navigating the private health insurance market can feel overwhelming, but you don't have to do it alone. WeCovr is an FCA-authorised broker specialising in the UK private medical insurance landscape.

Our expert advisors make the CPME switching process simple and secure.

  • We listen: We start by understanding your priorities – whether it’s cost, cover, or service.
  • We compare: We use our expertise and technology to search for policies from the UK's best PMI providers that fit your needs.
  • We handle the admin: We manage the application from start to finish, ensuring the CPME terms are applied correctly and there are no gaps in your protection.
  • We add value: When you arrange a policy through us, you get more than just insurance. You'll receive complimentary access to our CalorieHero AI nutrition app and can get discounts on other policies like life or home insurance. Our goal is to be your long-term partner in health and financial wellbeing.

Beyond Insurance: A Holistic Approach to Your Health

While having the right private medical insurance provides peace of mind, the ultimate goal is to stay healthy. Modern insurers recognise this, and many policies now include benefits designed to support a proactive approach to wellness.

Here are some simple, evidence-based tips for maintaining your health, supported by NHS guidelines:

  • A Balanced Diet: Focus on the principles of the NHS Eatwell Guide. Aim for plenty of fruits and vegetables, wholegrains, lean proteins, and healthy fats. Using an app like the CalorieHero tool, which WeCovr provides to its clients, can make tracking your nutrition simple and insightful.
  • Regular Physical Activity: The NHS recommends at least 150 minutes of moderate-intensity activity (like a brisk walk or cycling) or 75 minutes of vigorous-intensity activity (like running or tennis) per week. Find something you enjoy to make it a sustainable habit.
  • Prioritise Sleep: Most adults need 7-9 hours of quality sleep per night. It is crucial for physical recovery, mental clarity, and immune function. Create a relaxing bedtime routine and a dark, quiet environment.
  • Manage Stress: Chronic stress can impact your physical health. Practices like mindfulness, spending time in nature, connecting with friends and family, and pursuing hobbies can make a big difference. Don't hesitate to use the mental health support services often included in modern PMI policies.

By combining a healthy lifestyle with a robust private health cover plan, you create a powerful strategy for your long-term wellbeing.

Can I switch insurers if I am currently having treatment?

Generally, it is not advisable or possible to switch your private medical insurance policy while you are undergoing an active course of treatment. Most insurers will require you to complete the treatment with your current provider. Once the treatment is finished, you can then explore switching on a CPME basis. An expert broker can provide specific advice for your situation.

Will my premium be cheaper if I switch on a CPME basis?

Not automatically, but it gives you the power to check. CPME allows you to shop the market for a better price without sacrificing your current cover. If your existing insurer has implemented a large price hike at renewal, it is highly likely that another leading provider will be able to offer a more competitive premium for a like-for-like policy. This is one of the main reasons people switch.

Do I have to declare all my old medical conditions on a CPME application?

Unlike a full medical underwriting application, you don't usually have to complete a long health questionnaire. Instead, you provide your new insurer with your current policy certificate. They use this document to understand the terms you are on and to carry over any personal exclusions. You must, however, be truthful if asked any direct questions about your health or claims history.

What happens to my 'no claims discount' if I switch insurers?

Most UK insurers operate a no claims discount (NCD) scale. When you switch on a CPME basis, the new insurer will typically match your NCD level. For example, if you are at the top of your old insurer's NCD scale, the new provider will usually start you at the top of their equivalent scale, ensuring you don't lose this earned benefit. A broker will confirm this as part of the switching process.

Ready to see if you could get better private medical insurance for a lower price, without losing any of your hard-won cover?

Contact WeCovr today for your free, no-obligation quote. Our friendly, expert advisors are ready to help you navigate the market with confidence.

Sources

  • NHS England: Waiting times and referral-to-treatment statistics.
  • Office for National Statistics (ONS): Health, mortality, and workforce data.
  • NICE: Clinical guidance and technology appraisals.
  • Care Quality Commission (CQC): Provider quality and inspection reports.
  • UK Health Security Agency (UKHSA): Public health surveillance reports.
  • Association of British Insurers (ABI): Health and protection market publications.

Disclaimer: This is general guidance only and does not constitute formal tax or financial advice. Tax treatment depends on individual circumstances, policy terms, and HMRC interpretation, which cannot be guaranteed in advance. Whenever applicable, businesses and individuals should always consult a qualified accountant or tax adviser before arranging such policies.

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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 experienced 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:

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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 a strong fit for your needs for you.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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