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What is Medical History Disregarded (MHD) Underwriting

What is Medical History Disregarded (MHD) Underwriting 2026

TL;DR

As an FCA-authorised expert broker that has arranged over 900,000 policies, WeCovr is perfectly placed to demystify the world of private medical insurance in the UK. One of the most important, yet often misunderstood, topics is underwriting—specifically, Medical History Disregarded (MHD) underwriting. This guide explains exactly what it is and who it’s for.

Key takeaways

  • Pre-existing Condition: Any illness, injury, or symptom you have had before the start of your policy.
  • Chronic Condition: A condition that is long-term and cannot be cured, only managed (like diabetes, asthma, or high blood pressure).
  • Pros: The biggest advantage of FMU is certainty. From the moment your policy starts, you have a document that clearly lists any specific exclusions. There are no grey areas. When you need to make a claim, the process is generally straightforward because the decision on what’s covered has already been made.
  • Cons: The application process can be lengthy and feel intrusive. Furthermore, any exclusions applied are typically permanent and will not be reviewed in the future, even if you have been symptom-free for years.
  • David takes out a moratorium policy in January 2025. In 2023, he had physiotherapy for a shoulder injury.

As an FCA-authorised expert broker that has arranged over 900,000 policies, WeCovr is perfectly placed to demystify the world of private medical insurance in the UK. One of the most important, yet often misunderstood, topics is underwriting—specifically, Medical History Disregarded (MHD) underwriting. This guide explains exactly what it is and who it’s for.

WeCovr explains MHD and when it applies to switching group PMI policies

Navigating the landscape of private health cover can feel complex, with jargon and different policy types to consider. At its heart, private medical insurance (PMI) is designed to give you and your family (or your employees) fast access to high-quality medical care for acute conditions that arise after you take out a policy.

The process an insurer uses to decide what they will and won't cover based on your health is called underwriting.

Medical History Disregarded, or MHD, is the most comprehensive type of underwriting available. As the name suggests, an insurer agrees to "disregard" your past medical history when you make a claim for an eligible new condition.

However, this premier level of cover is not available to everyone. It is almost exclusively used for group private medical insurance schemes—policies that businesses take out for their employees. Understanding MHD is especially critical when a company decides to switch its group PMI provider, as it directly impacts the continuity of cover for every member of the team.

What is Underwriting in Private Medical Insurance?

Before we delve deeper into MHD, it's essential to understand the role of underwriting. Think of it as the insurer's risk assessment. When you apply for insurance, the provider needs to understand the likelihood of you making a claim. This helps them set a fair price and be clear about what is covered from the outset.

The most important rule in the UK private medical insurance market is this:

Standard PMI is designed to cover acute conditions that arise after your policy begins. An acute condition is an illness or injury that is expected to respond quickly to treatment and from which you can make a full recovery.

Crucially, PMI does not cover pre-existing conditions or chronic conditions.

  • Pre-existing Condition: Any illness, injury, or symptom you have had before the start of your policy.
  • Chronic Condition: A condition that is long-term and cannot be cured, only managed (like diabetes, asthma, or high blood pressure).

Underwriting is the mechanism insurers use to identify and exclude these conditions, ensuring the policy functions as intended. There are three main ways they do this.

The Three Main Types of PMI Underwriting Compared

Each underwriting method offers a different balance of convenience, cost, and comprehensiveness. Choosing the right one depends on your circumstances, whether you're buying a policy for yourself, your family, or your company.

Here’s a clear comparison of the three main types:

FeatureFull Medical Underwriting (FMU)Moratorium (MORI)Medical History Disregarded (MHD)
What is it?A detailed health declaration is made at the start.A "wait and see" approach. Pre-existing conditions from the last 5 years are excluded for a set period (usually 2 years).The insurer ignores your previous medical history for eligible acute conditions.
Medical Questionnaire?Yes, a comprehensive one.No, not at the start.No.
Cover for Pre-existing Conditions?No. Specific exclusions are applied from day one and are usually permanent.Potentially, after a continuous 2-year period on the policy without symptoms, treatment, or advice for that condition.Yes, for acute flare-ups of a pre-existing condition. Chronic conditions are still not covered.
Claims ProcessRelatively fast, as exclusions are already defined.Can be slower, as medical history is checked at the point of every claim to see if it's pre-existing.Fast and simple. The insurer doesn't need to investigate your past history for the claim.
Best For...Individuals who want absolute clarity on what is and isn't covered from the start.Individuals and small groups who want a quick and easy setup. The most common type for personal policies.Medium to large corporate groups (typically 20+ employees) seeking a premium, hassle-free benefit for their staff.
AvailabilityIndividuals, families, and groups.Individuals, families, and groups.Almost exclusively for corporate groups. Very rarely available to individuals.

Full Medical Underwriting (FMU): The Detailed Approach

With Full Medical Underwriting, you provide the insurer with your complete medical history by filling out a detailed application form. You'll be asked about past illnesses, treatments, consultations, and medications. The insurer might also ask for your permission to contact your GP for more information.

  • Pros: The biggest advantage of FMU is certainty. From the moment your policy starts, you have a document that clearly lists any specific exclusions. There are no grey areas. When you need to make a claim, the process is generally straightforward because the decision on what’s covered has already been made.
  • Cons: The application process can be lengthy and feel intrusive. Furthermore, any exclusions applied are typically permanent and will not be reviewed in the future, even if you have been symptom-free for years.

Moratorium (MORI) Underwriting: The "Wait and See" Option

Moratorium is the most common type of underwriting for individual and family private medical insurance policies in the UK because it's so quick to set up. There are no medical forms to fill in at the start.

Instead, the policy automatically excludes treatment for any medical condition you have experienced symptoms of, or received treatment, medication, or advice for, in the five years before the policy began.

This exclusion is subject to a "rolling" two-year period. If you go for two continuous years on the policy without needing any treatment, advice, or medication for that condition, it may become eligible for cover in the future.

Real-Life Example:

  • David takes out a moratorium policy in January 2025. In 2023, he had physiotherapy for a shoulder injury.
  • This shoulder problem is now a pre-existing condition and is excluded from his new policy.
  • If his shoulder remains completely trouble-free (no pain, symptoms, or consultations) until January 2027 (two full years), he could then be eligible for cover if a new acute problem develops with it.
  • However, if he experiences any pain or sees a doctor about it in 2026, the two-year waiting period resets from that date.

The main drawback of moratorium underwriting is the lack of certainty. You only find out for sure if a condition is covered when you try to make a claim, which can sometimes lead to delays and disappointment.

Medical History Disregarded (MHD): The Gold Standard

Medical History Disregarded is the most generous and straightforward underwriting option. When a policy is on MHD terms, the insurer agrees to cover eligible acute medical conditions, even if you have suffered from them before.

This means no medical questionnaires and no automatic exclusions for pre-existing conditions. It provides employees with peace of mind that if they fall ill, they will be covered for eligible treatment without worrying about their past medical history.

However, its high cost and the level of risk it presents to an insurer mean it is almost exclusively offered to corporate groups, where the risk is spread across many people.

A Deep Dive into Medical History Disregarded (MHD) Underwriting

MHD is the most sought-after type of underwriting for businesses looking to offer a truly competitive benefits package. It removes the single biggest barrier to claiming on a PMI policy: a person's prior medical history.

How Does MHD Actually Work?

With an MHD policy, the usual rules about pre-existing conditions don't apply. An employee can claim for treatment for an acute condition, regardless of whether they’ve had it before.

Example Scenario: MHD vs. Other Underwriting Imagine a new employee, Laura, who joins a company with a group MHD scheme. Five years ago, she had surgery for a hernia.

  • On an MHD Policy: If Laura's hernia reoccurs, she can use the company PMI scheme to get it treated privately. The insurer disregards the fact it's a pre-existing condition.
  • On a Moratorium Policy: The hernia would be excluded for the first two years of her cover. She would have to wait until she had been symptom-free for two years before it could be considered for cover.
  • On an FMU Policy: She would have declared the hernia on her application form, and the insurer would have placed a permanent exclusion on it. It would never be covered.

This demonstrates the immense value of MHD for employees, especially those who have had health issues in the past.

The Crucial Distinction: Acute vs. Chronic Conditions

This is the most critical point to understand about MHD and all UK private medical insurance. Even with MHD underwriting, chronic conditions are not covered.

PMI is there to help with conditions that can be resolved. It is not a substitute for the NHS in managing long-term illnesses that require ongoing care but have no known cure.

AspectAcute ConditionChronic Condition
DefinitionAn illness, injury or disease that is likely to respond quickly to treatment and lead to a full recovery.A condition that is long-term and has one or more of the following traits: it is recurrent, has no known cure, or requires ongoing management.
DurationShort-term.Long-term or lifelong.
Goal of TreatmentTo cure the condition and return the patient to their previous state of health.To manage symptoms, slow progression, and maintain quality of life.
PMI CoverageCovered. This is the primary purpose of PMI.Not covered. Management is typically provided by the NHS.
Examples• Hernia repair
• Cataract surgery
• Joint replacement (e.g., hip, knee)
• Gallstone removal
• Broken bones
• Infections requiring hospitalisation		• Diabetes
• Asthma
• Arthritis
• High blood pressure (Hypertension)
• Crohn's disease
• Multiple Sclerosis

So, what does MHD cover? It covers acute flare-ups or acute treatments related to conditions that might otherwise be considered pre-existing. For instance, while it wouldn't cover the daily management of arthritis (a chronic condition), it could cover a joint replacement surgery needed to resolve an acute level of pain and immobility caused by it.

Who is Eligible for MHD Underwriting?

MHD is a feature of the corporate PMI market. It is generally available to businesses that want to insure a group of employees, typically with a minimum headcount.

  • Minimum Group Size: This varies between insurers but often starts at around 15 or 20 employees. For smaller groups, insurers may still require some form of medical declaration.
  • Why for Groups? Insurers can offer MHD to groups because of the principle of "risk pooling." With a large number of people in one scheme, the risk of claims becomes more statistically predictable. The premiums of the healthy majority help to cover the costs of the minority who need to claim, making the overall scheme financially viable for the insurer.
  • Individuals and Families: MHD is almost never offered to individuals or families. The risk for an insurer to take on a single person with an unknown medical history is too high. The premiums would have to be astronomically expensive to make it viable.

The Benefits and Drawbacks of MHD for Businesses and Employees

For companies that can meet the criteria and afford the premiums, offering an MHD scheme is a powerful statement about how they value their workforce.

Advantages of MHD

For Employees:

  • Total Peace of Mind: Removes the worry that a past health issue could prevent them from getting private care when they need it. This is hugely reassuring.
  • Inclusive and Fair: Everyone in the scheme is covered on the same terms, regardless of their medical background. This makes it a very fair and equitable benefit.
  • Hassle-Free Claims: The claims process is simple and fast. There's no need for the insurer to request medical records to check for pre-existing conditions, meaning authorisations are usually granted quickly.
  • Access to Top Care: Like all PMI, it provides fast access to leading specialists and hospitals, helping employees get back on their feet sooner.

For Employers:

  • A Premium Employee Benefit: In a competitive job market, a group PMI scheme with MHD terms is a significant differentiator that can attract and retain top talent.
  • Reduced Sickness Absence: Faster diagnosis and treatment mean employees spend less time waiting for care and more time being productive at work. The latest ONS figures show a record 185.6 million working days were lost to sickness or injury in 2022, costing the economy billions. A robust health insurance plan can help mitigate these costs.
  • Improved Morale and Engagement: Providing comprehensive health cover shows that the company genuinely cares about the wellbeing of its staff, fostering loyalty and a positive workplace culture.
  • Simplified Administration: With no individual medical declarations to manage, the scheme is simple for HR teams to administer.

Disadvantages of MHD

For Employers:

  • Higher Cost: MHD is the most expensive underwriting option. The premium per employee will be significantly higher than for a moratorium or FMU policy because the insurer is taking on more risk.
  • Eligibility Requirements: It is not an option for very small businesses or start-ups, who will need to consider moratorium or FMU underwriting instead.

For Employees:

  • Tied to Employment: The biggest drawback is that this exceptional level of cover is tied to their job. If they leave the company, they lose their place on the MHD scheme. They would then need to source their own individual cover, which would be subject to standard moratorium or FMU underwriting, meaning any conditions they had previously would now become pre-existing and likely be excluded.

Switching Your Group PMI Scheme: The Role of MHD

Companies regularly review their benefits packages to ensure they are getting the best value and service. When it comes to PMI, switching providers is common. However, it must be handled carefully to protect the employees' continuity of cover. This is where an expert PMI broker like WeCovr is invaluable.

What Happens to My Cover if My Employer Switches Provider?

When a business switches its group PMI provider, employees are rightly concerned about what will happen to their cover, especially if they are in the middle of treatment or have existing health conditions.

Insurers have a specific process for this, often called "protected switching terms" or "Continued Medical Exclusions" (CME / CPME)". The goal is to move the group from the old insurer to the new one with no loss of cover.

  • Switching on "Like-for-Like" Terms: The new insurer agrees to take on the group with the same underwriting style as the old policy.
  • MHD to MHD: If your company scheme is already on MHD terms, your broker will negotiate with new insurers to ensure they also offer MHD. This is a standard request for large corporate schemes, and it ensures employees retain their comprehensive cover seamlessly.
  • Moratorium to Moratorium: If the scheme is on moratorium underwriting, the new insurer will typically continue this. Crucially, they will honour the original start date of the moratorium period for each employee, so they don't have to "re-serve" their two-year waiting period for pre-existing conditions.
  • FMU to FMU: The new insurer agrees to honour the same personal medical exclusions that were on the old policy.

What if I Leave a Company with an MHD Scheme?

This is a vital point for any employee on a corporate plan to understand. When you leave your job, your group PMI cover ceases. The generous MHD terms cannot be transferred to a personal policy.

You will have two main options:

  1. Take out a new individual policy: This will be underwritten on Moratorium or FMU terms. Any medical conditions you have, including those that were covered by the MHD scheme, will now be classed as pre-existing and will almost certainly be excluded from your new policy.
  2. Continue with the same insurer: Some insurers offer a "group leaver" option, allowing you to continue your cover on a personal plan without a full re-underwriting. However, the terms will change. They will typically switch you to a moratorium policy or apply exclusions for any conditions you have claimed for.

The key takeaway is that the benefit of MHD is tied to your employment in that specific company scheme.

The Cost of MHD: Is It Worth It?

There is no doubt that MHD underwriting comes at a premium. But for many businesses, the value it delivers in employee wellbeing, talent retention, and productivity far outweighs the additional expense.

Below is an illustrative table showing how premiums might differ. Please note these are not quotes and are for guidance only. Costs vary based on age, location, level of cover, and the insurer.

Illustrative Monthly Premiums for a 40-Year-Old Employee (Comprehensive Cover)

Underwriting TypeIllustrative Monthly PremiumKey Feature
Moratorium (MORI)£65Fast setup, pre-existing conditions excluded for 2 years.
Full Medical Underwriting (FMU)£60Cheaper due to specific exclusions, but more admin at the start.
Medical History Disregarded (MHD)£90Most expensive, but covers acute flare-ups of pre-existing conditions.

For a company with 100 employees, the difference between a Moratorium and an MHD scheme could be over £30,000 per year. However, if that investment prevents just a few key employees from being on long-term sick leave, or helps attract a crucial new hire, the return on investment becomes clear.

Enhancing Your Wellbeing Alongside Your PMI Policy

While having a great insurance policy is a fantastic safety net, the best approach to health is a proactive one. Most modern private medical insurance UK providers include a range of wellness benefits and services to help you stay healthy.

The WeCovr Advantage: More Than Just Insurance

At WeCovr, we believe in supporting our clients' holistic wellbeing. That's why when you arrange your health or life insurance through us, you get more than just a policy.

  • Complimentary Access to CalorieHero: All our clients receive free access to our partner AI-powered calorie and nutrition tracking app, CalorieHero. Managing your diet is a cornerstone of good health, and this tool makes it simple to track your intake, understand your nutritional balance, and work towards your health goals.
  • Discounts on Other Cover: We value our clients' loyalty. When you take out a PMI or life insurance policy with us, we offer attractive discounts on other types of insurance you may need, such as home or travel cover, helping you save money while staying protected.

Simple Steps for a Healthier Life

Incorporate these simple habits into your daily routine to support your physical and mental health:

  • Balanced Diet: Focus on whole foods, including plenty of fruits, vegetables, lean proteins, and whole grains. Staying hydrated by drinking plenty of water is also key.
  • Regular Exercise: The NHS recommends adults aim for at least 150 minutes of moderate-intensity activity (like brisk walking or cycling) or 75 minutes of vigorous-intensity activity (like running or swimming) a week.
  • Quality Sleep: Aim for 7-9 hours of quality sleep per night. It's vital for mental clarity, immune function, and physical recovery.
  • Stress Management: Find healthy ways to manage stress, whether it's through mindfulness, meditation, yoga, or spending time in nature. Many PMI providers now offer access to mental health support lines and apps.

How WeCovr Can Help You Navigate Your Group PMI Options

Whether you are a business owner looking to set up your first group scheme, or an HR manager wanting to review your existing provider, the choices can be overwhelming. This is where we come in.

WeCovr is an independent, FCA-authorised broker. Our service is completely free to you. We receive a commission from the insurer you choose, but our advice is always impartial and focused on your best interests.

  • Expert, Impartial Advice: We specialise in the UK private health cover market. We'll listen to your needs, explain your options in plain English, and help you understand the nuances of different underwriting types.
  • Market Comparison: We work with all the leading UK PMI providers. We'll compare policies and prices to find the optimal solution for your company's budget and your employees' needs.
  • Seamless Switching: If you're switching a group scheme, we manage the entire process for you. We ensure your team's cover is continued seamlessly, negotiating the best possible "continued medical exclusions" or "MHD-to-MHD" terms on your behalf.
  • Ongoing Support: Our service doesn't stop once the policy is in place. We're here to help with renewals, claims queries, and any adjustments you need to make to your scheme as your business evolves.

Frequently Asked Questions (FAQs)

Can I get Medical History Disregarded (MHD) underwriting on a personal policy?

Generally, no. Medical History Disregarded (MHD) underwriting is very rarely available for individual or family policies in the UK. The risk to an insurer of covering a single individual's entire medical history is too high, which would make the premium unaffordable. MHD is almost exclusively a feature of group private medical insurance schemes for businesses, where the risk is spread across a larger number of people.

Does MHD cover chronic conditions like diabetes or asthma?

No. This is a critical point to understand. All UK private medical insurance, including policies with MHD underwriting, is designed to cover acute conditions (illnesses that can be resolved with treatment). MHD's main benefit is that it will cover an acute condition even if it is pre-existing. It does not cover the routine management, check-ups, or medication for long-term chronic conditions like diabetes, asthma, or high blood pressure. These are managed by the NHS.

What happens to my MHD cover if I leave my job?

Your cover under the company's Medical History Disregarded (MHD) scheme will end when you leave your job. You cannot transfer the MHD terms to a personal policy. You will need to take out a new individual policy, which will typically be on Moratorium or Full Medical Underwriting (FMU) terms. This means any conditions you had or claimed for under the MHD scheme will now be considered pre-existing and will likely be excluded from your new personal cover.

Is MHD underwriting more expensive than other types?

Yes, Medical History Disregarded (MHD) is the most comprehensive and therefore the most expensive type of underwriting. Because the insurer agrees to take on a much higher level of risk by ignoring past medical history, the premiums for an MHD policy are significantly higher than for Moratorium or Full Medical Underwriting (FMU) policies. This is why it is typically only offered to larger corporate groups.

Ready to explore the best private medical insurance options for your business or your family? Speak to a WeCovr expert today for a free, no-obligation quote and find the perfect cover for your 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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Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

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