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Why Choosing WeCovr Beats Going Direct to Bupa or AXA

Why Choosing WeCovr Beats Going Direct to Bupa or AXA 2026

TL;DR

Considering private medical insurance in the UK? WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, provides expert, whole-of-market comparisons. We'll find you a better, more suitable deal than going direct to a single provider, saving you time and money on your private health cover.

Key takeaways

  • Bupa might have an extensive hospital network.
  • AXA may offer superior mental health support.
  • Aviva could provide excellent value for comprehensive family cover.
  • Vitality focuses on rewarding healthy lifestyles with discounts and perks.
  • A Needs Analysis: We take the time to understand your health, your family's needs, your budget, and what's most important to you (e.g., fast cancer care, physiotherapy, mental health support).

Considering private medical insurance in the UK? WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, provides expert, whole-of-market comparisons. We'll find you a better, more suitable deal than going direct to a single provider, saving you time and money on your private health cover.

See how WeCovr compares top providers like Bupa, AXA, and Aviva to secure you the best deal

When it comes to your health, you want the best possible care, fast. This is the core promise of private medical insurance (PMI). But navigating the market can feel overwhelming. You see the big names advertised everywhere—Bupa, AXA, Aviva—and the logical first step might seem to be going directly to their websites for a quote.

However, this approach could mean you end up paying more for less suitable cover.

Think of it like this: going direct to an insurer is like visiting a single car dealership. They will only sell you their own models, regardless of whether a car from another brand down the road is a better fit for your family and budget.

An expert, independent PMI broker like WeCovr acts as your personal health insurance shopper. We search the entire "high street" for you, comparing not just the big three, but a wide range of specialist insurers too. Our goal is simple: to find the policy that offers the right protection for your specific needs, at the most competitive price. And because we are paid by the insurer upon placing a policy, our expert service costs you nothing.

Why Use a Broker Like WeCovr Instead of Going Direct?

Many people believe that cutting out the 'middleman' saves money. In the world of UK private medical insurance, the opposite is often true. Here’s a breakdown of the powerful advantages of using an FCA-authorised broker.

The Myth of "Cheaper Direct"

Insurers provide brokers with preferential rates or access to specific policy configurations that aren't always available to the general public. They do this because brokers bring them well-informed customers, reducing their marketing and administrative costs. These savings are often passed on, meaning the price we can secure for you is frequently lower than a direct quote for the same level of cover.

The Power of Whole-of-Market Comparison

The UK private health insurance market is more diverse than just Bupa and AXA. Providers like Aviva, Vitality, The Exeter, and WPA all have unique strengths and cater to different needs.

  • Bupa might have an extensive hospital network.
  • AXA may offer superior mental health support.
  • Aviva could provide excellent value for comprehensive family cover.
  • Vitality focuses on rewarding healthy lifestyles with discounts and perks.

Without a broker, you would need to spend hours, if not days, researching each one, filling out multiple long forms, and trying to compare complex policy documents side-by-side. We do all that heavy lifting for you.

Expert, Unbiased Advice at No Extra Cost

Our advisors are specialists in this field. We live and breathe private health cover. We understand the jargon, the policy loopholes, and the fine print. When you speak to us, you're getting:

  1. A Needs Analysis: We take the time to understand your health, your family's needs, your budget, and what's most important to you (e.g., fast cancer care, physiotherapy, mental health support).
  2. Clear Explanations: We translate complex terms like "moratorium underwriting" or "6-week option" into plain English.
  3. An Impartial Recommendation: Our advice is tailored to you, not to an insurer's sales target. We are obligated by the Financial Conduct Authority (FCA) to act in your best interest.

Saving You Time and Hassle

Your time is valuable. The process of getting multiple quotes can be tedious and repetitive. With one simple conversation with a WeCovr advisor, you get a full picture of the market. We handle the paperwork, chase the insurers, and present you with a clear, concise summary of your best options.

Understanding Private Medical Insurance (PMI) in the UK: The Essentials

Before comparing providers, it's vital to grasp what private medical insurance is designed for. Getting this right prevents disappointment later on.

What is PMI and What Does it Cover?

Crucially, private medical insurance in the UK is designed to cover 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. Examples include joint replacements, cataract surgery, hernia repair, or treatment for a specific cancer.
  • A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, has no known cure, is likely to recur, or requires ongoing management. Examples include diabetes, asthma, high blood pressure, and arthritis.

Standard PMI policies do not cover chronic conditions or pre-existing conditions. A pre-existing condition is any ailment you have had symptoms of, or received advice or treatment for, in the years leading up to your policy start date (usually the last 5 years).

The primary benefit of PMI is to bypass NHS waiting lists for eligible acute conditions. With NHS waiting lists in England consistently exceeding 7 million treatment pathways in 2024 and 2025, according to official NHS data, PMI offers peace of mind and swift access to diagnosis and treatment.

Key Terms You Need to Know

Understanding the language of insurance is the first step to choosing the right policy.

TermPlain English ExplanationWhy It Matters
ExcessThe amount you agree to pay towards a claim. For example, if your excess is £250 and your treatment costs £3,000, you pay the first £250 and the insurer pays the rest.A higher excess will lower your monthly premium, but you'll have to pay more if you claim.
UnderwritingThe method an insurer uses to decide what they will and won't cover, based on your medical history.This determines which, if any, pre-existing conditions might be excluded from your cover.
Moratorium (Mori)The most common type of underwriting. Your policy excludes any condition you've had in the 5 years before joining. However, if you go 2 full years on the policy without any symptoms, treatment, or advice for that condition, it may become eligible for cover.It's simple and requires no medical forms upfront, but there can be uncertainty at the point of claim.
Full Medical Underwriting (FMU)You complete a detailed health questionnaire when you apply. The insurer assesses it and tells you from day one exactly what is excluded from your policy.It provides certainty from the start, but is more intrusive and the exclusions are usually permanent.
Hospital ListThe list of private hospitals and clinics your policy gives you access to. These are often tiered.A more limited list reduces your premium, but you must ensure it includes high-quality, convenient facilities near you.
Outpatient CoverCover for diagnostic tests, consultations, and scans that don't require a hospital bed.Basic policies may have limited or no outpatient cover to keep costs down. Comprehensive policies will include it.
6-Week OptionA clause that can reduce your premium. If the NHS can treat you for an eligible condition within 6 weeks, you agree to use the NHS. If the wait is longer, your private cover kicks in.A great cost-saving measure if you're happy to use the NHS when it's quick.

A Head-to-Head Comparison: Bupa vs. AXA vs. Aviva

These three providers are the titans of the UK PMI market. While they all offer excellent core products, they have different philosophies and strengths. A broker's job is to match your personal needs to the provider that serves them best.

At-a-Glance Provider Comparison

FeatureBupaAXA HealthAviva
Best ForBrand trust, extensive hospital network, comprehensive cancer care.Mental health support, flexible options, strong digital tools.Value for money, comprehensive cover as standard, family policies.
Key StrengthDecades of experience and a household name. Direct access to some services without a GP referral.Market-leading mental health pathways and support.High levels of standard cover (e.g., cancer care) on their 'Healthier Solutions' policy.
Unique Selling PointTheir 'Bupa from Home' service and extensive network of Bupa-branded clinics and centres.The 'Doctor@Hand' digital GP service is highly rated and well-integrated.'Expert Select' hospital option, which guides you to pre-approved, high-quality specialists.
Consider If...You want the reassurance of the UK's most recognised health insurance brand.Mental health cover is a top priority for you or your family.You are looking for the best possible value on a comprehensive policy.

Deep Dive: Bupa Health Insurance

Bupa is arguably the most famous name in UK private health. Founded in 1947, the same era as the NHS, it has a legacy of providing quality care.

  • Strengths: Bupa's 'Comprehensive' policy is exactly that. It includes extensive cancer cover that promises to pay for all eligible treatment, even for drugs not available on the NHS. Their 'Direct Access' feature for certain conditions like cancer and mental health allows you to bypass the GP referral step, speeding up your journey to diagnosis.
  • Things to Consider: As a premium brand, Bupa's policies can sometimes be more expensive than competitors for a like-for-like level of cover. Their hospital lists are excellent but need to be checked carefully to ensure your preferred local option is included in the tier you choose.

Deep Dive: AXA Health Insurance

AXA is a global insurance giant, and its UK health division is known for innovation, particularly in mental health and digital services.

  • Strengths: AXA's 'Personal Health' plan is highly customisable. Their commitment to mental health is a standout feature; they often provide more extensive cover for psychiatric care and therapy sessions than other providers. Their Doctor@Hand digital GP app is one of the best on the market, offering fast and convenient access to medical advice.
  • Things to Consider: The modular nature of AXA's policies means you have to be careful about what you add or remove. It's easy to build a cheap policy that lacks crucial elements like outpatient cover if you're not fully aware of the implications—something a WeCovr advisor would guide you on.

Deep Dive: Aviva Health Insurance

Aviva is the UK's largest general insurer, and its 'Healthier Solutions' PMI policy is highly regarded for its blend of quality and value.

  • Strengths: Aviva often packs more into its standard policy than others. For example, their core cancer cover is exceptional and often includes benefits that are paid-for extras elsewhere. Their "Expert Select" hospital pathway is a unique approach where, for a reduced premium, you are guided to a choice of high-quality specialists and hospitals from their approved network, removing the stress of choosing a consultant yourself.
  • Things to Consider: While offering great value, some of their digital tools are not as slick as those from AXA or Vitality. The 'Expert Select' option, while excellent for many, might not suit someone who has a specific consultant they are determined to see.

How WeCovr Finds Your Perfect Match: The Process

We believe in making complex decisions simple. Our entire process is designed around you, ensuring you feel confident and informed every step of the way.

  1. Initial Discovery Call: You'll have a friendly, no-pressure chat with one of our UK-based PMI experts. We'll listen to your requirements, explain the basics, and answer your initial questions.
  2. Fact-Finding: We'll ask targeted questions to understand your medical history, budget, location, and what you value most in a health plan. Do you need cover for your children? Is mental health a priority? Are you an avid sports player?
  3. Whole-of-Market Search: Armed with this information, we use our expertise and technology to search the market. We analyse policies from Bupa, AXA, Aviva, and other leading insurers like Vitality and The Exeter, comparing benefits, exclusions, and, of course, price.
  4. Clear, Simple Recommendation: We don't just send you a list of quotes. We present you with a personal recommendation, explaining in plain English why we believe a particular policy is the best fit for you. We'll show you the comparisons and walk you through the key benefits and any important limitations.
  5. Application and Support: Once you're happy, we handle the application process for you, ensuring all the details are correct. Our service doesn't stop there; we're here to help with policy queries or claims advice for the lifetime of your policy.

Beyond the Big Three: Exploring Other Top UK Insurers

A key benefit of using a PMI broker is gaining access to specialist insurers you might not have heard of. These providers often fill important niches.

ProviderNiche / Speciality
VitalityWellness-focused. Rewards members for being active (e.g., tracking steps) with cinema tickets, coffee, and even lower premiums. Great for motivated individuals and families.
The ExeterOlder applicants and those with health conditions. Known for its fair and flexible underwriting, often considering applicants that other insurers might decline.
WPANot-for-profit ethos. A provident association with a strong focus on customer service and an excellent reputation for fair claims handling. Offers unique 'shared responsibility' options to manage costs.

By considering these and other providers, WeCovr ensures you're not just getting a good deal, but the right deal from the entire spectrum of options available.

The Financials: How Are PMI Premiums Calculated?

Your monthly or annual premium isn't a random number. It's a carefully calculated risk assessment based on several key factors.

  • Age: The single biggest factor. The risk of needing medical treatment increases with age, so premiums rise accordingly.
  • Location: Treatment costs, particularly in Central London, are higher than in other parts of the UK. Your postcode will influence your premium.
  • Smoker Status: Smokers are at a higher risk of developing a range of health conditions, so they pay more for cover.
  • Level of Cover: A comprehensive plan with full outpatient cover, mental health support, and therapy options will cost more than a basic plan covering only inpatient treatment.
  • Excess: As discussed, a higher excess (£500 or £1,000) will significantly reduce your premium compared to a low excess (£0 or £100).
  • Hospital List: Choosing a more restricted hospital list that excludes the most expensive London hospitals can be a very effective way to lower your costs.

Illustrative Monthly Premiums

To give you an idea, here are some illustrative premium ranges for a healthy, non-smoking individual seeking a comprehensive policy with a £250 excess.

AgeLocation: ManchesterLocation: Central London
30£45 - £65£60 - £85
45£70 - £100£95 - £130
60£130 - £190£175 - £250

Disclaimer: These figures are for illustration only and are not a quote. Your actual premium will depend on your individual circumstances and the insurer chosen.

The WeCovr Advantage: Added Value You Won't Get Elsewhere

Choosing us as your broker goes beyond just finding the right policy. We provide our clients with a suite of benefits designed to support their health and financial wellbeing.

Complimentary Access to CalorieHero AI App

All our health and life insurance clients receive complimentary premium access to CalorieHero, our cutting-edge AI-powered calorie and nutrition tracking app. Maintaining a healthy weight is one of the most effective ways to reduce your long-term health risks, and this tool makes it easier than ever to manage your diet and make smarter food choices.

Exclusive Discounts on Other Insurance Products

We believe in building long-term relationships. When you take out a private medical or life insurance policy with us, you become eligible for exclusive discounts on other types of cover you might need, such as income protection or critical illness cover. This helps you build a comprehensive financial safety net for less.

Ongoing Support and High Customer Satisfaction

Our commitment to you is ongoing. We have a dedicated customer service team to help you with any policy questions, renewal reviews, or if you need guidance at the point of making a claim. Our high customer satisfaction ratings are a testament to our focus on providing a helpful, human service you can rely on.

Proactive Health: Tips for Staying Well and Reducing Your Premiums

The best way to use your health insurance is to not have to use it at all. A proactive approach to your wellbeing can not only improve your quality of life but also help keep your insurance costs manageable over the long term.

The Role of Diet and Nutrition

A balanced diet rich in whole foods, fruits, vegetables, and lean proteins is fundamental to good health. It helps maintain a healthy weight, reduces the risk of chronic diseases, and supports your immune system. Using a tool like our CalorieHero app can help you understand your eating habits and make positive changes.

The Importance of Sleep

Good quality sleep is not a luxury; it's a biological necessity. Adults should aim for 7-9 hours per night. Consistent, restful sleep boosts your immune system, improves mental clarity, helps regulate appetite, and is crucial for mental and emotional resilience.

Staying Active for Physical and Mental Health

Regular physical activity is a powerhouse of benefits. The NHS recommends at least 150 minutes of moderate-intensity activity a week. This could be brisk walking, cycling, swimming, or dancing. Exercise reduces the risk of heart disease, type 2 diabetes, and certain cancers. It's also one of the most effective treatments for stress, anxiety, and mild depression.

Does private health insurance cover pre-existing conditions?

Generally, no. Standard private medical insurance in the UK is designed for acute conditions that arise *after* your policy begins. Pre-existing conditions, which are any health issues you've had symptoms of or treatment for in the 5 years before taking out cover, are typically excluded. The same applies to long-term chronic conditions like diabetes or asthma.

What's the difference between moratorium and full medical underwriting?

These are two ways insurers assess your health history. With **Moratorium (Mori)** underwriting, you don't complete a health questionnaire upfront. Any condition from the last 5 years is automatically excluded. However, if you remain symptom-free and receive no treatment or advice for that condition for 2 continuous years after your policy starts, it may become eligible for cover. With **Full Medical Underwriting (FMU)**, you declare your medical history on an application form, and the insurer tells you from day one precisely what is and isn't covered.

Can I add my family to my private health insurance policy?

Yes, absolutely. Most insurers allow you to add your partner and dependent children to your policy. It's often more cost-effective to have one family policy rather than multiple individual ones. An expert broker can help you compare family cover options from different providers to find the best value for your needs.

Is it worth getting private medical insurance if I have the NHS?

The NHS provides excellent care, especially for emergencies and chronic conditions. However, private medical insurance offers complementary benefits that many people value. The main advantages are bypassing long NHS waiting lists for eligible treatments, having more choice over the hospital and specialist who treats you, and accessing a private room for a more comfortable recovery. It's about having more control and faster access to care when you need it most.

Your Next Step: Get Your Free, No-Obligation Quote Today

Don't settle for a single quote from one provider. Let WeCovr do the hard work for you. Our expert, friendly team will compare the UK's leading health insurers to find you the perfect cover at the best possible price. It’s a completely free service that saves you time and money.

Contact us today to get your personalised private medical insurance quote and discover the WeCovr difference.

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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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Any questions?

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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