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Wecovrs Guide to Choosing the Right PMI Policy

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 18, 2026
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TL;DR

Navigating the world of private medical insurance (PMI) in the UK can feel overwhelming. As an FCA-authorised broker that has helped arrange over 900,000 policies, the experts at WeCovr understand the landscape inside out. This guide provides clear, step-by-step advice to help you find the perfect private health cover.

Key takeaways

  • Acute Condition: Comes on suddenly, has a limited duration, and is treatable. Examples: Appendicitis, a broken bone, infections.
  • Chronic Condition: A long-term condition that cannot be cured but can be managed. Examples: Diabetes, asthma, high blood pressure, arthritis.
  • Accidents and Emergencies (A&E): Urgent and life-threatening situations are always handled by the NHS.
  • GP Services: Your NHS GP remains your first point of contact for health concerns.
  • Management of Chronic Conditions: Long-term illnesses are managed through the NHS.

Navigating the world of private medical insurance (PMI) in the UK can feel overwhelming. As an FCA-authorised broker that has helped arrange over 900,000 policies, the experts at WeCovr understand the landscape inside out. This guide provides clear, step-by-step advice to help you find the perfect private health cover.

Step-by-step advice from expert brokers

Choosing the right PMI policy is a significant decision. It's about investing in your health, gaining peace of mind, and ensuring you have access to prompt, high-quality medical care when you need it most. Our expert brokers have distilled the process into nine manageable steps to demystify private health insurance and empower you to make an informed choice.

Step 1: Understand What Private Medical Insurance Is (and Isn't)

Before diving into comparisons, it's crucial to grasp the fundamental purpose of PMI in the UK.

Private Medical Insurance is designed to cover the costs of private treatment for acute conditions that arise after you take out your policy.

An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of conditions like hernias, cataracts, or joint problems requiring replacement surgery.

The Crucial Distinction: Acute vs. Chronic Conditions

This is the single most important concept to understand. Standard UK private medical insurance does not cover chronic conditions.

  • Acute Condition: Comes on suddenly, has a limited duration, and is treatable. Examples: Appendicitis, a broken bone, infections.
  • Chronic Condition: A long-term condition that cannot be cured but can be managed. Examples: Diabetes, asthma, high blood pressure, arthritis.

PMI also does not cover pre-existing conditions. A pre-existing condition is any disease, illness, or injury for which you have experienced symptoms, received medication, or sought advice before your policy start date. We'll explore how insurers handle this in Step 4.

How PMI Works with the NHS

PMI is not a replacement for the National Health Service (NHS). It works alongside it. You will still use the NHS for:

  • Accidents and Emergencies (A&E): Urgent and life-threatening situations are always handled by the NHS.
  • GP Services: Your NHS GP remains your first point of contact for health concerns.
  • Management of Chronic Conditions: Long-term illnesses are managed through the NHS.

PMI gives you a choice. For eligible acute conditions, you can bypass NHS waiting lists and receive treatment privately, often at a time and hospital convenient for you. With NHS waiting lists in England reaching 7.54 million cases in early 2025, this speed of access is a primary reason many people opt for private health cover.

Step 2: Assess Your Personal Needs and Budget

A PMI policy is not a one-size-fits-all product. The best policy for a single 25-year-old will be vastly different from one for a family of four. Take a moment to consider your specific circumstances.

Key Questions to Ask Yourself:

  1. Who needs cover? Just yourself, you and a partner, or your whole family?
  2. What is your budget? Be realistic about what you can comfortably afford each month. Premiums can range from £30 to over £150 per month depending on age, location, and level of cover.
  3. What are your health priorities? Are you concerned about access to cancer care, mental health support, or physiotherapy?
  4. What is your lifestyle? Are you very active and want cover for sports injuries? Do you value wellness rewards?
  5. Where do you live? Your postcode affects your premium, as medical costs vary across the UK.

Balancing Cost and Coverage

Finding the right balance is key. A cheaper policy might seem appealing, but it could have significant limitations, such as a restricted hospital list or no out-patient cover.

Budget LevelTypical Monthly Premium (for a 40-year-old)Core FeaturesPotential Limitations
Basic£35 - £55In-patient & day-patient treatment, comprehensive cancer cover.No or very limited out-patient cover, restricted hospital list, higher excess.
Mid-Range£60 - £90All basic features, plus a set limit for out-patient diagnostics and consultations.Out-patient limit may not cover all costs, some therapies might be excluded.
Comprehensive£95+All features, with full or high-limit out-patient cover, plus options for mental health, dental, and therapies.Higher premium cost.

Note: These are illustrative costs and will vary significantly based on individual factors.

An expert broker at WeCovr can help you perform this needs analysis, ensuring you don't pay for features you don't need or miss out on cover that's vital for you.

Step 3: Decode the Jargon: Key PMI Terminology Explained

The PMI market is full of specific terms. Understanding them is essential for comparing policies effectively.

TermSimple ExplanationWhy It Matters
UnderwritingThe process an insurer uses to assess your health and medical history to decide what they will and won't cover.This determines whether your pre-existing conditions are excluded permanently or temporarily.
ExcessA fixed amount you agree to pay towards the cost of your treatment per claim or per policy year.A higher excess lowers your monthly premium, but means you pay more when you claim.
Policy LimitsThe maximum amount an insurer will pay out, either per year or per condition.Most policies have an annual limit of £1m or more, but some cheaper plans may have lower limits.
Hospital ListA list of private hospitals and facilities where you are covered for treatment.A more extensive list, especially with central London hospitals, will increase your premium.
In-patientTreatment that requires you to be admitted to a hospital bed overnight.This is the core of all PMI policies.
Day-patientTreatment that requires a hospital bed for the day but you don't stay overnight (e.g., minor surgery).Also a core component of all policies.
Out-patientConsultations, diagnostic tests (like MRI scans), or treatment where you are not admitted to a hospital bed.This is a crucial variable. Basic policies have little to no out-patient cover, while comprehensive ones have extensive cover.
No Claims Discount (NCD)A discount on your premium that increases each year you don't make a claim.It rewards you for staying healthy but can be reduced or lost if you claim, increasing future premiums.

Step 4: Compare Underwriting Options: Mori vs. FMU

This is one of the most critical choices you'll make. It directly impacts what pre-existing conditions are covered.

  1. Moratorium Underwriting (Mori): This is the most common type. You don't declare your full medical history upfront. Instead, the insurer applies a general exclusion for any condition you've had in the 5 years before your policy started. However, if you then go for a set period (usually 2 years) without any symptoms, treatment, or advice for that condition, it may become eligible for cover. It's a "deal with it later" approach.

  2. Full Medical Underwriting (FMU): With FMU, you provide your complete medical history by filling out a detailed questionnaire. The insurer then assesses this information and gives you a definitive list of what is and isn't covered from day one. Any specific conditions are likely to be permanently excluded. It provides certainty from the start.

Moratorium vs. Full Medical Underwriting: A Head-to-Head Comparison

FeatureMoratorium UnderwritingFull Medical Underwriting
Upfront ProcessQuick and simple. No medical forms.Longer application process. Requires a full health questionnaire.
Pre-existing ConditionsAutomatically excluded for a set period (usually 5 years pre-policy).Exclusions are decided at the start and are usually permanent.
Cover for Past ConditionsPossible to gain cover after a 2-year trouble-free period.Pre-existing conditions are typically excluded for good.
Claims ProcessCan be slower as the insurer may need to investigate your medical history at the point of claim.Generally faster and more straightforward as exclusions are already defined.
Best ForPeople with a clean bill of health or minor past issues who want a quick start.People who want absolute certainty about what is covered from day one.

A WeCovr broker can discuss your medical history (in complete confidence) and advise which underwriting method is most suitable for your situation.

Step 5: Choose Your Level of Cover

Insurers typically offer three main tiers of private medical insurance in the UK.

  1. Basic (or Core) Cover: This is the entry-level option, designed to cover the most expensive treatments. It almost always includes:

    • In-patient and day-patient treatment (hospital fees, surgeon fees, anaesthetist fees).
    • Comprehensive cancer cover, including chemotherapy and radiotherapy.
    • Some digital GP services and a health support helpline.

  2. Mid-Range Cover: This builds on the basic plan by adding a layer of out-patient benefits. It typically includes:

    • Everything in the Basic plan.
    • Illustrative estimate: A financial limit for out-patient diagnostics and consultations (e.g., up to £1,000 per year). This covers specialist appointments and tests needed to find out what's wrong.

  3. Comprehensive Cover: This is the most extensive level of cover, offering broad protection and peace of mind. It includes:

    • Everything in the Mid-Range plan.
    • Full or very high-limit out-patient cover.
    • Often includes cover for therapies (like physiotherapy) and mental health treatment as standard.

Step 6: Customise Your Policy with Add-ons

Once you've chosen your core level of cover, you can tailor your policy with optional extras. This allows you to build a plan that perfectly matches your priorities without paying for things you don't value.

Common PMI Add-ons:

  • Therapies Cover: Covers treatments like physiotherapy, osteopathy, and chiropractic care. Essential for active people or those with musculoskeletal concerns.
  • Mental Health Cover: Provides access to private psychiatrists, psychologists, and therapists. With growing awareness of mental wellbeing, this is an increasingly popular and valuable add-on.
  • Dental and Optical Cover: Contributes towards the costs of routine check-ups, dental treatments, and new eyewear. This is often more of a cashback benefit than true insurance.
  • Travel Cover: Some insurers allow you to add a European or Worldwide travel insurance policy to your PMI plan.
  • Protected No Claims Discount: For an extra fee, you can protect your NCD, allowing you to make one or two claims without it being reduced.

Step 7: Select Your Hospital List

Insurers group hospitals into bands or lists, which directly affects your premium.

  • Local/Regional Lists: These lists include a selection of private hospitals in your local area but exclude the more expensive national centres and those in Central London. This is a great way to reduce your costs if you are happy to be treated locally.
  • National Lists: These offer a wide choice of hospitals across the UK, including well-known groups like Nuffield Health, Spire, and Circle Health Group. They typically exclude the very high-cost hospitals in Central London.
  • Premium / London Lists: These give you access to virtually any private hospital in the UK, including the prestigious and highly specialised facilities in Central London (e.g., The London Clinic, The Cromwell). This is the most expensive option.

Consider where you would want to be treated. If you live outside a major city, a local list might be perfectly adequate and save you a significant amount of money.

Step 8: Decide on Your Excess

The excess is the amount you contribute towards a claim. For example, if your excess is £250 and your eligible treatment costs £3,000, you pay the first £250 and your insurer pays the remaining £2,750.

  • How it affects your premium: The higher your excess, the lower your monthly premium.
  • Typical options (illustrative): £0, £100, £250, £500, £1,000.
  • Per claim vs. per year: Most policies apply the excess per policy year. This means you only pay it once per year, regardless of how many claims you make. Some cheaper policies might apply it per claim, which can become expensive if you need multiple treatments.

Choosing a higher excess (e.g., £500) is a very effective way to make your private health cover more affordable, especially if you see it as protection for major issues rather than minor ones. (illustrative estimate)

Step 9: Compare Providers (But Let a Broker Do the Hard Work)

The UK PMI market is competitive, with several excellent providers, each with its own strengths.

ProviderKnown ForWeCovr's Expert Take
AXA HealthStrong clinical support, extensive network, and advanced digital health tools.A solid choice for comprehensive cover and those who value a digitally-led health journey.
AvivaAn established "big four" insurer offering flexible and often price-competitive options.A great all-rounder, particularly strong for family policies and its extensive "Expert Select" hospital network.
BupaA household name with a huge hospital and clinic network and a focus on direct care pathways.A premium brand known for its comprehensive benefits and seamless customer experience.
VitalityA unique wellness-focused approach that rewards members for healthy living.Perfect for active individuals who want to engage with their health and earn rewards like cinema tickets and coffee.
WPAA not-for-profit provider known for outstanding customer service and flexible underwriting.Highly rated for its personal touch, making it a favourite among the self-employed and small businesses.

While you can research these yourself, a specialist PMI broker like WeCovr does this for you. We have access to the whole market and can quickly identify the provider and policy that offers the best value for your specific needs, at no extra cost to you. Our expert knowledge means we can highlight the subtle but important differences in policy wording that you might miss.

The WeCovr Advantage: More Than Just a Policy

Choosing WeCovr as your broker gives you more than just a price comparison. We're committed to your long-term health and wellbeing.

  • Expert, Free Advice: Our service is completely free to you. We earn a commission from the insurer you choose, which is already built into the price of the policy. You pay the same price (or often less) than going direct, but with the added benefit of our expert guidance.
  • Complimentary CalorieHero Access: All our PMI and Life Insurance clients receive complimentary access to our powerful AI-driven calorie and nutrition tracking app, CalorieHero. It's a fantastic tool to help you manage your diet and achieve your health goals.
  • Multi-Policy Discounts: When you take out a PMI or Life Insurance policy with us, you become eligible for exclusive discounts on other types of cover you might need, helping you save money across the board.
  • Trusted Support: With high customer satisfaction ratings, we pride ourselves on being there for our clients not just at the point of sale, but for annual reviews and any claims queries you might have.

Maintaining Your Health: Beyond Insurance

While PMI provides a safety net, the best strategy is always to proactively manage your health. Here are some tips to support your wellbeing.

Diet and Nutrition

A balanced diet is the cornerstone of good health. Focus on whole foods: fruits, vegetables, lean proteins, and whole grains. According to Public Health England's Eatwell Guide, your daily intake should consist of at least five portions of a variety of fruit and vegetables. Using an app like CalorieHero can help you track your intake and ensure you're getting the right balance of macronutrients and micronutrients.

The Importance of Sleep

The NHS recommends adults get 7 to 9 hours of quality sleep per night. Poor sleep is linked to a host of health issues, including a weakened immune system, weight gain, and poor mental health. Establish a routine: go to bed and wake up at the same time each day, avoid caffeine in the evening, and create a restful, dark, and quiet bedroom environment.

Staying Active

The UK Chief Medical Officers' guidelines recommend at least 150 minutes of moderate-intensity activity a week or 75 minutes of vigorous-intensity activity a week. This could be anything from a brisk walk or cycling to a HIIT class or team sport. Regular exercise is proven to reduce your risk of major illnesses, such as coronary heart disease, stroke, type 2 diabetes, and cancer.

Mental Wellbeing

Your mental health is just as important as your physical health. Practices like mindfulness, meditation, and spending time in nature can significantly reduce stress and anxiety. If you feel you're struggling, don't hesitate to speak to your GP or, if you have the right cover, use the mental health support services offered by your PMI provider.

The Claims Process: What to Expect

Making a claim on your PMI policy is usually a straightforward process.

  1. Visit Your GP: Your health journey starts with your NHS GP. They will assess your symptoms and, if necessary, provide you with an 'open referral' to see a specialist.
  2. Contact Your Insurer: Call your insurer's claims line with your policy details and the referral letter. They will check your cover and provide a pre-authorisation number.
  3. Book Your Appointment: You can now book your consultation or treatment with a specialist at a hospital on your approved list. You'll need to give them your pre-authorisation number.
  4. Receive Treatment: Attend your appointments and receive the necessary private treatment.
  5. Settle the Bill: The hospital will usually bill your insurer directly. You will only need to pay your excess (if applicable). The rest is handled for you.

A good broker like WeCovr can also provide support and guidance if you run into any issues during the claims process.

Does private medical insurance cover pre-existing conditions?

No, standard UK private medical insurance is designed to cover new, acute conditions that arise after your policy begins. It does not cover pre-existing conditions (illnesses you had before taking out the policy) or chronic conditions (long-term illnesses like diabetes or asthma). Some past conditions may become eligible for cover under moratorium underwriting if you remain symptom-free for a continuous two-year period after your policy starts.

Is PMI worth it in the UK?

Whether PMI is worth it depends on your personal circumstances and priorities. For many, the key benefits are bypassing NHS waiting lists for eligible treatments, having a choice of hospitals and specialists, and gaining the peace of mind that comes with faster access to care. With NHS waiting times remaining a significant concern, PMI provides a valuable alternative for non-urgent, acute conditions.

How much does private health insurance cost per month?

The cost of private health insurance in the UK varies widely based on age, location, level of cover, and the excess you choose. A basic policy for a young, healthy individual might start from around £30 per month, while a comprehensive policy for a 50-year-old could be £120 or more. A broker can help you find the most competitive price for the cover you need.

What is the difference between moratorium and full medical underwriting?

Moratorium underwriting is a quicker process where you don't declare your medical history upfront. Instead, any condition you've had in the last 5 years is automatically excluded, but may become covered after a 2-year trouble-free period. Full Medical Underwriting (FMU) requires you to complete a health questionnaire, and the insurer provides a definitive list of what is excluded from day one, which usually remains permanent. FMU offers certainty, while a moratorium offers a simpler start and the possibility of future cover for past issues.

Ready to find the right private health cover for you?

Let WeCovr do the hard work. Our expert brokers compare policies from all leading UK insurers to find the perfect fit for your needs and budget.

Get Your Free, No-Obligation Quote Today!

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.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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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 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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Who Are WeCovr?

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