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Understanding Family PMI How Multi-Member Policies Work

Understanding Family PMI How Multi-Member Policies Work

As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr is a leading expert in the UK market. This guide explains how family private medical insurance works, helping you decide if it’s the right choice to protect your loved ones and gain peace of mind.

Features, pros and cons, and savings of combining several family members on one plan

Choosing private medical insurance (PMI) is a significant decision for any individual. When you’re considering cover for your entire family, the complexity can feel overwhelming. Should you buy separate policies or combine everyone onto a single family plan?

This comprehensive guide breaks down everything you need to know about multi-member family PMI policies in the UK. We will explore how these policies are structured, their key features, the considerable benefits, and the potential drawbacks to help you make an informed choice for your family's health and wellbeing.

What Exactly is Family Private Medical Insurance?

Family private medical insurance is a single health insurance policy that covers two or more members of the same family. Instead of juggling multiple policies, renewal dates, and payments, you manage everything under one umbrella.

A "family" can typically include:

  • You and your partner (married, cohabiting, or in a civil partnership)
  • Your children (usually up to age 21, or 25 if they are in full-time education)

The core purpose of family PMI is the same as individual PMI: to cover the costs of diagnosis and treatment for acute medical conditions that arise after you've taken out the policy. It provides a valuable alternative to potentially long NHS waiting times, giving you more choice and control over your family's healthcare.

According to NHS England data, the waiting list for consultant-led elective care stood at around 7.54 million in early 2024. For many families, this figure is a powerful motivator to explore the speed and convenience offered by the private sector.

A Critical Point: What UK PMI Does Not Cover

It is absolutely vital to understand a fundamental principle of the UK private medical insurance market. Standard PMI policies are designed to cover acute conditions, not chronic or pre-existing ones.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include joint replacements, cataract surgery, or hernia repairs.
  • Chronic Condition: A condition that is long-lasting and requires ongoing management, such as diabetes, asthma, arthritis, or high blood pressure. PMI will not cover the routine management of these conditions.
  • Pre-existing Condition: Any illness, disease, or injury for which you have had symptoms, medication, advice, or treatment before your policy start date. These are typically excluded for a set period, or sometimes permanently.

Think of PMI as a plan for new, unexpected health problems, rather than for managing long-term health issues.

How Do Family PMI Policies Actually Work?

A family health insurance policy streamlines administration and often provides cost benefits. Here’s a simple breakdown of the mechanics:

  1. One Application: You complete a single application form for the whole family. You will need to provide details for each person to be covered.
  2. One Policy Document: You receive one set of policy documents outlining the terms, conditions, and levels of cover for everyone.
  3. One Premium: You pay a single, consolidated premium, usually monthly or annually. This premium is calculated based on the collective risk of all members on the policy.
  4. One Renewal Date: The policy for the entire family renews on the same date each year, making it easy to remember and review.

While it's a single policy, the cover can often be tailored. For example, parents might opt for comprehensive cover including out-patient consultations, while adding their healthy, young children on a more basic, cost-effective plan.

The Key Benefits of a Combined Family Health Insurance Policy

Combining your family onto one policy offers several compelling advantages over purchasing individual plans.

1. Significant Cost Savings

This is often the primary driver for choosing a family policy. Insurers typically offer discounts for adding more people to a single plan.

  • Multi-person Discounts: Many providers offer a reduction of around 5-15% for joint policies compared to the cost of two separate individual ones.
  • Free Cover for Children: Some insurers have attractive introductory offers where the first child, or sometimes all children under a certain age, can be added for free for the first year, provided the parents are also on the plan. This can lead to substantial savings for young families.

2. Administrative Simplicity

Managing one policy is far easier than juggling several.

  • Less Paperwork: One application, one set of terms, and one renewal notice.
  • Single Point of Contact: You only need to speak to one provider for any queries or claims for any family member.
  • Easier Budgeting: A single, predictable monthly or annual payment makes financial planning simpler.

3. Shared Benefits and Consistent Cover

With a single policy, you can ensure that every family member has access to the same high-quality level of care. You avoid a situation where one parent has comprehensive cover while the other has a basic plan, leading to difficult choices if both need treatment simultaneously.

4. Shared No-Claims Discount (NCD)

Most PMI policies feature a No-Claims Discount, which rewards you with lower premiums for every year you don't make a claim. On a family policy, the NCD is usually shared. This can be a double-edged sword (more on that below), but if your family remains healthy, you can build up a significant discount together, reducing your premiums over time.

BenefitHow It Helps Your Family
Cost SavingsLower overall premiums through multi-person discounts and child-friendly offers.
SimplicityOne payment, one renewal date, and less administrative hassle.
Consistent CoverEnsures all family members have access to the same level of healthcare.
Shared NCDThe potential to build a large premium discount as a family unit.

Potential Downsides and Considerations of Family PMI

While the benefits are clear, a combined family policy isn't the perfect solution for everyone. It's important to be aware of the potential drawbacks.

1. The Shared No-Claims Discount Risk

The shared NCD can also be a major disadvantage. If one family member makes a claim, the NCD for the entire policy is typically reduced or lost.

Real-Life Example: The Jones family (two adults, two children) has a family policy with a 60% No-Claims Discount. Their teenager needs physiotherapy for a sports injury. They make a claim. At renewal, their NCD drops to 40%, increasing the premium for everyone, not just for the teenager. If they had separate policies, only the teenager's premium would be affected.

2. Different Needs and Health Histories

A one-size-fits-all approach may not be optimal if family members have very different health needs or risk profiles.

  • High-Risk Members: If one family member has a history of making claims or is considered higher risk due to age or lifestyle (e.g., a smoker), their inclusion could significantly increase the premium for everyone else. It might be cheaper to put them on a separate policy.
  • Varying Cover Requirements: You might want comprehensive cancer cover and extensive therapies, but your 20-year-old student child may only need basic in-patient cover. While some policies allow tailoring, it can sometimes be more straightforward to get them a separate, cheaper policy designed for young adults.

3. Complexity at Renewal

If a child reaches the age limit of the policy (e.g., turns 21), or if there's a separation or divorce, splitting the policy can be administratively complex. The person leaving the policy will need to start a new one, potentially losing their accumulated NCD and having to go through medical underwriting again.

Pros vs. Cons of a Combined Family Policy

ProsCons
✅ Potential for significant cost savings❌ A claim by one member affects everyone's premium
✅ Simple to manage: one policy, one payment❌ May not be cost-effective if one member is high-risk
✅ Ensures consistent cover for all members❌ Less flexibility if needs differ greatly
✅ Easier to budget and keep track of❌ Can be complicated to split the policy later

An expert PMI broker like WeCovr can run a detailed comparison to see whether a combined policy or separate plans would be more cost-effective and suitable for your family's unique circumstances.

Customising Your Family's Health Cover

Modern family PMI policies are not rigid. They are built on a modular system, allowing you to create a plan that fits your family’s needs and budget.

Core Cover: The Foundation of Your Policy

Almost all UK PMI policies start with a core foundation that typically includes:

  • In-patient and Day-patient Treatment: This covers costs when a member of your family is admitted to hospital for a procedure and needs a bed overnight (in-patient) or for the day (day-patient). This includes surgery fees, anaesthetist fees, and hospital accommodation.
  • Comprehensive Cancer Cover: This is a cornerstone of PMI. Most policies offer extensive cover for the diagnosis and treatment of cancer, including chemotherapy, radiotherapy, and surgical procedures. The level of cover can vary, so it's crucial to check the details.

Optional Extras: Tailoring Your Plan

You can then add a range of optional benefits to enhance your cover.

Optional ExtraWhat It CoversWho Is It Good For?
Out-patient CoverConsultations, diagnostic tests, and scans that don't require a hospital bed.Families who want fast access to specialists without waiting for an NHS referral. Essential for quick diagnosis.
Therapies CoverPhysiotherapy, osteopathy, chiropractic treatment, and sometimes acupuncture.Active families, those with children who play sports, or individuals with musculoskeletal issues.
Mental Health CoverAccess to psychiatrists, psychologists, and therapists for conditions like anxiety and depression.Essential for holistic family wellbeing, especially given the growing awareness of mental health challenges.
Dental and OpticalRoutine check-ups, treatments, glasses, and contact lenses.Families who want to bundle all their health costs into one predictable payment.
Travel CoverMedical emergencies when you are abroad.Families who travel frequently, though it's important to compare this with standalone travel insurance.

By using a mix-and-match approach, you can create a policy that works. For example, parents might have full out-patient and therapies cover, while adding their children on a core-only plan to keep costs down.

How Much Does Family Private Medical Insurance Cost in the UK?

The cost of family PMI varies widely based on a combination of factors. There is no single "average price."

Key Factors Influencing Your Premium:

  1. Age: The older the family members, the higher the premium, as the statistical risk of needing treatment increases.
  2. Location: Premiums are often higher in London and the South East due to the higher cost of private medical care in these areas.
  3. Level of Cover: A basic, in-patient-only plan will be far cheaper than a comprehensive policy with full out-patient, therapies, and mental health cover.
  4. Excess: This is the amount you agree to pay towards any claim. A higher excess (e.g., £500) will significantly lower your premium compared to a £0 or £100 excess.
  5. Hospital List: Insurers have different lists of hospitals you can use. A policy with a limited list of local hospitals will be cheaper than one offering access to premium central London facilities.
  6. Underwriting: The method the insurer uses to assess your medical history. The two main types are:
    • Moratorium Underwriting: Simpler and quicker. The insurer excludes treatment for any condition you've had in the last 5 years. This exclusion can be lifted if you go 2 full years on the policy without any symptoms, treatment, or advice for that condition.
    • Full Medical Underwriting (FMU): You provide a full medical history. The insurer then decides what to exclude permanently. It's more complex upfront but provides certainty about what is and isn't covered from day one.

Example Cost Scenarios (2025 Estimates)

The table below provides illustrative monthly premiums for different family types. These are estimates for a mid-range policy with a £250 excess, outside of London.

Family ProfileEstimated Monthly PremiumKey Assumptions
Young Couple (Ages 30 & 32)£90 - £140Core cover + mid-level out-patient.
Young Family (Ages 35 & 37, children 4 & 6)£150 - £220Comprehensive cover for adults, basic for children.
Family with Teenagers (Ages 45 & 46, children 14 & 16)£250 - £350Comprehensive cover for all, including therapies for sports.

Disclaimer: These are purely illustrative costs. Your actual premium will depend on your specific circumstances and choices. The best way to get an accurate figure is to get a personalised quote.

Tips for Saving Money on Your Family's PMI

Protecting your family’s health is a priority, but it needs to be affordable. Here are some practical ways to manage the cost of your premium:

  1. Increase Your Excess: This is one of the most effective ways to reduce your premium. Choosing a £500 excess instead of £100 could save you 20-30%.
  2. Review Your Hospital List: Do you really need access to every hospital in the country, including the most expensive ones in central London? Opting for a list that covers quality local hospitals can lead to big savings.
  3. Choose a 6-Week Wait Option: Some policies offer a reduced premium if you agree to use the NHS if the waiting list for your treatment is less than six weeks. If it's longer, your private cover kicks in. This can be a great compromise between cost and access.
  4. Tailor Cover for Each Member: As mentioned, don't pay for comprehensive cover for children who may not need it. Add them on a core or essentials-only basis.
  5. Pay Annually: Most insurers offer a small discount (around 5%) if you pay for the full year upfront, as it reduces their administration costs.
  6. Maintain a Healthy Lifestyle: Some providers, like Vitality, actively reward healthy behaviour with premium discounts, coffee vouchers, and other perks. Even without a specific rewards programme, staying healthy reduces your chances of claiming and helps you build your No-Claims Discount.
  7. Speak to a Broker: This is arguably the most important tip. An independent private health cover broker like WeCovr can compare the entire market for you. They have access to deals and policies not always available directly and can provide expert advice on how to structure your policy for the best value, all at no cost to you.

Beyond Insurance: Wellness Benefits and Added Value

Leading PMI providers are no longer just about paying claims. They are increasingly positioning themselves as health and wellbeing partners, offering a suite of value-added services designed to keep your family healthy.

When comparing policies, look beyond the core cover and see what else is included:

  • Digital GP Services: 24/7 access to a virtual GP via phone or video call. This is incredibly useful for families with young children, providing quick advice and prescriptions without leaving home.
  • Mental Health Support Lines: Confidential helplines offering support for stress, anxiety, and other mental health concerns, often available to the whole family.
  • Wellness Programmes: Many insurers offer apps and online portals with health advice, fitness tracking, and lifestyle coaching.
  • Discounts and Rewards: This can include discounted gym memberships, health screenings, cinema tickets, or healthy food delivery services.

As a WeCovr client, you also get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to help your family build and maintain healthy eating habits. Furthermore, customers who purchase PMI or Life Insurance through WeCovr may be eligible for discounts on other types of insurance, providing even greater value.

The Role of an Expert PMI Broker

The UK's private medical insurance market is complex, with dozens of providers and hundreds of policy combinations. Trying to navigate this alone can be time-consuming and you might end up with a policy that isn’t right for your family.

This is where an independent broker shines.

  • Whole-of-Market Comparison: A broker like WeCovr isn't tied to any single insurer. We compare policies from across the market to find the best fit for your specific needs and budget.
  • Expert Advice: We understand the jargon and the fine print. We can explain the differences between underwriting types, hospital lists, and cancer cover options in plain English. Our high customer satisfaction ratings reflect our commitment to clear, helpful guidance.
  • Tailored Solutions: We can help you decide whether a single family policy or separate plans would be better, and help you customise the cover for each family member to maximise value.
  • No Extra Cost: Our service is free to you. We are paid a commission by the insurer you choose, which is already built into the premium, so you don't pay more for our expert help.

Can I add a newborn baby to my family PMI policy?

Yes, most insurers allow you to add a newborn baby to your policy, often without any further medical underwriting. You typically need to inform your insurer within a specific timeframe after the birth (e.g., 30-90 days). Some insurers even have special offers for new additions, such as a period of free cover. Complications during childbirth are not usually covered by PMI, as pregnancy is not considered an acute condition.

What happens when my child gets too old for the family policy?

When a child reaches the age limit of your family policy (usually 21, or 25 if in full-time education), they will need their own separate policy. Most insurers offer a 'continuation' or 'personal' policy for them. This is important because it allows them to start their own plan without new medical underwriting, meaning any conditions already covered by the family policy will continue to be covered on their new individual plan. They will also often be able to carry over the No-Claims Discount from the family policy.

Do we all have to have the same level of cover on a family policy?

Not necessarily. While it's one policy, many modern UK insurers offer flexibility. For instance, parents might opt for a comprehensive plan that includes full out-patient cover and therapies, while placing their children on a more basic 'core' plan that only covers in-patient treatment. This can be a very effective way to manage the overall cost while ensuring everyone has a foundational level of private health cover. An expert broker can help you find providers that offer this flexibility.

If my partner has a pre-existing condition, can the rest of the family still get cover?

Yes. The pre-existing condition would be excluded for your partner, but it would not prevent the rest of the family from being covered for new, acute conditions. In some situations, if one person has a complex medical history, it might be more cost-effective to arrange a separate policy for them and a joint policy for the remaining family members. A broker can run the numbers to find the most sensible and affordable structure for your family.

Choosing the right protection for your family is one of the most important decisions you can make. A family private medical insurance policy offers a streamlined, often cost-effective way to secure fast access to high-quality healthcare for your loved ones.

By understanding the features, benefits, and potential drawbacks, you can make a choice that brings both financial sense and invaluable peace of mind.

Ready to explore the best private medical insurance UK options for your family?

Our friendly, expert advisors at WeCovr are here to help. We'll compare the market for you, answer all your questions, and provide a free, no-obligation quote tailored to your family's unique needs.

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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 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:

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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 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.

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