Understanding Health Insurance Excess in the UK

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.

Private medical insurance is designed for conditions that start after your policy begins, so pre-existing conditions are usually excluded, at least at first. With moratorium underwriting, a pre-existing condition may become eligible for cover once you have gone two continuous years on the policy without symptoms, treatment or advice for it. With full medical underwriting, the insurer tells you upfront which conditions are excluded. If you are switching from another policy or leaving a company scheme, you may be able to keep your existing underwriting terms, and some larger company schemes use Medical History Disregarded underwriting, where pre-existing conditions aren't excluded. Chronic conditions that need long-term management aren't covered by standard policies.

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. Some policies can also cover treatments and drugs that aren't routinely available on the NHS.

There's no fee to get quotes through WeCovr. WeCovr and its broker partners are typically paid a commission by the insurer when you take out a policy. The cost of the policy itself depends on your age, where you live, the cover you choose and your excess.

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 may benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product, and policies differ in ways that matter. Speaking to a specialist at WeCovr or one of its broker partners helps make sure your requirements are understood so you can choose the right cover.

WeCovr's broker partners are firms authorised and regulated by the Financial Conduct Authority (FCA), which requires them to treat customers fairly. You can check any firm on the FCA Register.

WeCovr and its broker partners are typically paid a commission by the insurer when a policy is taken out. The premium is set by the insurer, and you don't pay a separate fee for using the service. You can ask about the commission at any time.

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 eligible conditions that arise after your policy begins. You pay a monthly or annual premium and can claim for private healthcare covered by your policy. Benefits can include quicker access to treatment than on the NHS and, on some policies, access to drugs or treatments that aren't routinely available on the NHS.

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, chronic conditions and conditions present before the policy started.

Usually not on a new personal policy: pre-existing conditions are generally excluded, whatever the premium. Depending on your underwriting, a condition may become eligible later, and if you are switching policies or leaving a company scheme you may be able to keep existing terms. If you have questions about what is covered, contact WeCovr and a specialist at WeCovr or one of its broker partners can explain the options.

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. Depending on the insurer, it applies once per policy year or once per claim. A specialist at WeCovr or one of its broker partners can explain the excess options available.

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.

Some insurers have an upper age limit for new customers, while others don't, and age affects the price. Many insurers will renew an existing policy regardless of age. A specialist at WeCovr or one of its broker partners can help you find insurers that accept your age.

A specialist at WeCovr or one of its broker partners can compare health insurance plans from a range of insurers for you, with no fee to you. Consider individual, couple, or family plans and review coverage details thoroughly before choosing.

Usually, yes. Many insurers let you add a partner or dependent children, either at any time or at renewal, depending on the insurer. The cost depends on factors like their age, where you live and the cover you choose. Contact WeCovr or your insurer for help adding someone to your policy.

UK private medical insurance is designed for treatment in the UK, although some policies include limited cover abroad. If you live or work abroad, international health insurance may be more suitable, and WeCovr or one of its broker partners can help you compare options. For holidays, travel insurance is recommended.

Comprehensive cover usually includes more extensive benefits, such as fuller outpatient cover for consultations, diagnostic tests, physiotherapy and mental health therapies, within the policy limits. A specialist at WeCovr or one of its broker partners can explain the different levels of cover.

Private health insurance typically does not cover routine dental treatment, although some insurers offer a dental option and there are standalone dental policies. A specialist at WeCovr or one of its broker partners can help you compare policies with dental options.

Most private medical insurance policies include cover for cancer diagnosed after the policy starts, but the level of cover varies: some policies limit drugs, treatment time or cost. A specialist at WeCovr or one of its broker partners can help you compare cancer cover between policies.

You can usually change your cover at renewal, and some insurers allow changes during the year. You also have a 14-day cooling-off period after receiving your policy documents, during which you can cancel. A specialist at WeCovr or one of its broker partners can help with changes.

Many policies include a digital GP service provided by the insurer, often with same-day or next-day appointments. Check what your policy includes.

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

Yes. Insurers offer a range of cover levels to suit different budgets and needs, and a specialist at WeCovr or one of its broker partners can talk you through the options.

Your insurer can tell you which hospitals and specialists are included in your policy. For help comparing policies' hospital lists, tap one of the buttons above or below and fill in a few details, and a specialist at WeCovr or one of its broker partners will be in touch.

A fee-assured (or fee-approved) consultant has agreed to charge within your insurer's fee limits, so for eligible, authorised treatment you shouldn't have to pay a shortfall for their fees.

Many policies include some mental health cover, either as standard or as an option, usually with limits on therapy sessions or costs. Cover varies between insurers, so check the details.

Yes, children up to a certain age can usually be included on your policy, and some insurers offer discounts for children.

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. Tap a button below to get your own personalised quote through WeCovr.

Private health insurance can offer quicker access to consultations and treatment for eligible conditions, and more choice over when and where you are treated.

Many policies include physiotherapy, sometimes with limits on sessions or cost. A specialist at WeCovr or one of its broker partners can help you find plans that include it.

Services such as the insurer's digital GP app are usually available as soon as your policy starts.

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 eligible new conditions that arise after the policy starts. Pre-existing conditions are usually excluded, chronic conditions aren't covered, and other exclusions apply.

Health insurance pays for eligible private healthcare, such as consultations and treatment, up to your policy limits. A specialist at WeCovr or one of its broker partners can help you arrange cover.

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

Usually, yes: cover for eligible new conditions starts when your policy starts, and services like a nurse helpline or digital GP app are usually available straight away. If you make a claim soon after starting, the insurer may ask for a 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. Visit your insurer's website, or ask a specialist at WeCovr or one of its broker partners, for details of member rewards.

You may be able to continue your cover with the same insurer on a personal policy, or take out a new policy. Continuing with the same insurer can mean keeping your existing underwriting, so conditions covered under the company scheme may stay covered. A specialist at WeCovr or one of its broker partners can talk you through your options.

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

Your cover may be similar but not identical, and ongoing medical conditions may be covered, depending on the terms. A specialist at WeCovr or one of its broker partners can help you find the right level of cover.

Usually not, because employers often pay for or contribute to staff cover and group schemes are priced differently. Your cover level and age also affect the price. A specialist at WeCovr or one of its broker partners can give you more detail.

There is usually a limited window after leaving, set by the insurer, so check as early as possible. Your personal policy can often start the day after your work cover ends, and a specialist at WeCovr or one of its broker partners can explain other options.

Have your leaving date and your current policy details ready, then contact WeCovr to discuss your options with a specialist at WeCovr or one of its broker partners.

Ongoing treatment may be covered if you continue with the same insurer on a personal policy, although it could affect the price. A specialist at WeCovr or one of its broker partners can explain your options.

Your insurer will explain how to pay your excess when you contact them for treatment authorisation. Usually you pay it to the hospital or consultant.

Usually not: with most insurers, there's no excess for services such as a digital GP. Check your policy.

Excess changes are usually made at renewal, although some insurers allow changes at other times.

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

Pre-existing conditions usually aren't covered on a new personal policy. A specialist at WeCovr or one of its broker partners can explain the underwriting options.

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 are medical issues that existed before your policy started. Many insurers treat any condition you've had symptoms of, treatment for or advice about in the five years before the policy started as pre-existing. A specialist at WeCovr or one of its broker partners can help you understand how pre-existing conditions affect your options.

While some insurance providers automatically renew your private healthcare cover, it's worth comparing policies when yours is due for renewal to check it still offers good value for the cover you need. A specialist at WeCovr or one of its broker partners can help you compare.

Typically, you must be over 18 to take out your own policy, but children can usually be included on a family policy. Some insurers have an upper age limit for new customers, and premiums typically increase with age. A specialist at WeCovr or one of its broker partners can explain the age rules of different insurers.

Some insurers charge less if you pay annually, but this depends on the insurer. A specialist at WeCovr or one of its broker partners can tell you whether paying annually would save you money.

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.

Usually not. With full medical underwriting you complete a medical questionnaire, and the insurer may occasionally ask your GP for a report. With moratorium underwriting there's no medical questionnaire upfront. A specialist at WeCovr or one of its broker partners can explain 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. A specialist at WeCovr or one of its broker partners can help you find policies that offer GP services.

With private health insurance, you can often get a GP appointment much more quickly, sometimes even on the same day, through the insurer's GP service. A specialist at WeCovr or one of its broker partners can help you find policies that include it.

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. A specialist at WeCovr or one of its broker partners can help you understand the different types of care and find a policy that suits your needs.

Private health insurance pays for eligible medical treatment if you fall ill, while critical illness cover pays a lump sum if you are diagnosed with one of the illnesses listed in the policy, which you can use however you choose, for example to replace lost income. A specialist at WeCovr or one of its broker partners can help you understand the differences.

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. A specialist at WeCovr or one of its broker partners can help you find appropriate cover.

If your employer pays for your health insurance, it's usually a taxable 'benefit in kind': you pay income tax on its value, normally through your tax code or payroll, and your employer pays Class 1A National Insurance. For the employer, the premiums are usually an allowable business expense. If you buy a personal policy, you pay for it from taxed income. For advice on your situation, speak to an accountant.

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. A specialist at WeCovr or one of its broker partners 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. A specialist at WeCovr or one of its broker partners can help you understand the differences and choose the right option for you.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Each year you don't claim typically adds to your no-claims discount, which can reduce your premium at renewal. A specialist at WeCovr or one of its broker partners can help you find policies that offer no-claims discounts.

To find the right health insurance for you, compare 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. A specialist at WeCovr or one of its broker partners can help you evaluate your options.

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, check your policy terms to see whether your insurer requires a GP referral first (many do). Some policies offer direct access without a referral for certain conditions, such as muscle and joint problems or counselling 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 published 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 practise privately, so you could potentially see the same consultant either way. However, private healthcare typically offers shorter waiting times, usually a private room, and more flexible visiting. Some policies also give 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.

Usually, yes. If you have private tests or scans but then want NHS treatment, your GP or private consultant can refer you to the NHS and share your results, although the NHS team may want to repeat some tests.