WeCovr.

Login

Why This Self-Employed Designer Switched to PMI

Why This Self-Employed Designer Switched to PMI 2025

As an FCA-authorised broker that has helped arrange over 800,000 policies, WeCovr understands the unique pressures facing the UK's self-employed. This case study explores why one freelancer decided private medical insurance was no longer a luxury, but a business necessity.

A case study on PMI for freelancers

Meet Alex. At 38, he's a successful freelance graphic designer based in Manchester. He loves the freedom of being his own boss: choosing his projects, setting his hours, and reaping the direct rewards of his hard work. But there’s a catch. If Alex doesn't work, he doesn't get paid. There's no sick pay, no employer-funded health plan, and no one to cover his projects if he's unwell.

For years, Alex viewed private medical insurance (PMI) as an unnecessary expense. "The NHS is fantastic," he'd tell friends. "Why would I pay for something I can get for free?" He was healthy, active, and his business was thriving. The monthly premium seemed better spent on new design software or a weekend away.

His perspective was common. According to the Office for National Statistics (ONS), there are over 4.2 million self-employed people in the UK. This resilient workforce is the backbone of the economy, yet each individual carries the full weight of their health on their shoulders. A long wait for treatment isn't just an inconvenience; it's a direct threat to their livelihood.

This is the story of why Alex changed his mind.

The Tipping Point: Why Alex Reconsidered His Stance on PMI

The wake-up call wasn't a dramatic, life-threatening event. It was a dull, persistent ache in his right shoulder. As a designer, Alex spends 8-10 hours a day at his desk, mouse in hand. The pain started small but gradually worsened until it was affecting his work. He couldn't concentrate, his speed dropped, and he had to turn down a lucrative, time-sensitive project.

He did what most of us do: he visited his NHS GP. The doctor was helpful and referred him for an MRI scan and a consultation with an orthopaedic specialist to rule out anything serious. And then came the reality check: the waiting list.

The NHS, for all its life-saving work in emergencies, is under immense pressure. According to the latest NHS England data, the median waiting time for consultant-led elective care was around 15 weeks, with millions of people on the overall waiting list. For Alex, a 3-4 month wait wasn't just a delay; it was a quarter of a year's earnings potentially compromised.

The experience highlighted three critical vulnerabilities of being self-employed:

  1. Direct Financial Loss: Every day he couldn't work at full capacity meant lost income. The value of the project he declined was more than an entire year's worth of PMI premiums.
  2. The Mental Strain of Uncertainty: The "not knowing" was exhausting. Was it a repetitive strain injury? A torn rotator cuff? The anxiety of waiting for a diagnosis, coupled with financial stress, began to affect his mental health.
  3. The "What If" Factor: The shoulder pain was debilitating but not life-altering. But it made Alex think, "What if it was something more serious? What if I needed surgery? Could my business survive a 12-month wait?"

Suddenly, the monthly cost of a private health cover plan didn't seem like an expense. It looked like an investment in his most critical business asset: his own health and ability to earn.

What is Private Medical Insurance (PMI) and How Does it Work?

Before diving into the market, Alex needed to understand what he was actually buying. Many people have misconceptions about private medical insurance in the UK, so let's clarify.

PMI is an insurance policy that covers the costs of private healthcare for acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and return you to your previous state of health. Think cataracts, joint replacements, or hernia surgery.

Crucially, standard PMI policies do not cover:

  • Pre-existing conditions: Any illness or injury you had before taking out the policy.
  • Chronic conditions: Long-term conditions that cannot be cured, only managed, such as diabetes, asthma, or high blood pressure.
  • Emergencies: For a heart attack, stroke, or serious accident, you still go straight to your local NHS A&E.

The journey with PMI typically looks like this:

  1. You feel unwell and visit your NHS GP.
  2. Your GP diagnoses the issue and refers you to a specialist.
  3. You contact your PMI provider with the referral details.
  4. They authorise your claim (as long as it's a covered condition).
  5. You choose a specialist and hospital from your insurer's approved list.
  6. You receive treatment quickly, and the insurer pays the bills directly (minus any excess you've chosen).

Here’s a simple comparison of the two systems:

FeatureNational Health Service (NHS)Private Medical Insurance (PMI)
CostFree at the point of use (funded by taxes)Monthly/annual premium, plus a potential excess
Waiting TimesCan be long for non-urgent diagnostics and treatmentSignificantly shorter for eligible conditions
ChoiceLimited choice of hospital and specialistGreater choice of specialists, hospitals, and appointment times
FacilitiesUsually a shared wardOften a private, en-suite room with more flexible visiting hours
CoverageComprehensive: covers chronic, pre-existing, and emergenciesAcute conditions arising after the policy starts. Excludes chronic/pre-existing.
EmergenciesThe primary and only provider for A&E servicesDoes not cover emergencies. You must use the NHS.

For a freelancer like Alex, the key benefits were clear: speed and choice. The ability to bypass waiting lists meant he could get diagnosed, treated, and back to work faster, protecting his income stream.

Alex's Research Journey: Navigating the UK PMI Market

The world of insurance can be a maze of jargon and confusing options. Alex knew that to make an informed decision, he needed to do his homework. His journey involved three key steps.

Step 1: Defining His Needs

Alex sat down and listed his priorities. What was most important to him?

  • Speed: Fast access to diagnostics (like his MRI) was non-negotiable.
  • Therapies: Cover for physiotherapy was essential, given the nature of his desk-based work.
  • Cost Control: As a sole trader, every pound counts. The policy had to be affordable and sustainable.
  • Mental Health: The stress of his shoulder scare made him realise the value of mental health support.

Step 2: Understanding the Jargon

Alex quickly encountered terms that needed deciphering. Here are the most common ones:

  • Underwriting: This is how insurers assess your risk.

    • Moratorium (Most Common): The insurer doesn't ask for your full medical history upfront. Instead, they will generally exclude any condition you've had symptoms, treatment, or advice for in the last 5 years. If you then go 2 continuous years without any issues relating to that condition after your policy starts, it may become eligible for cover. It’s simpler but offers less certainty.
    • Full Medical Underwriting (FMU): You complete a detailed health questionnaire. The insurer assesses your history and tells you exactly what is and isn't covered from day one. It takes longer but provides total clarity.

  • Excess: This is the amount you agree to pay towards the cost of a claim. For example, if you have a £250 excess and your treatment costs £3,000, you pay the first £250 and the insurer pays the remaining £2,750. A higher excess leads to a lower monthly premium.

  • Hospital List: Insurers have partnerships with networks of private hospitals. Policies with a comprehensive national list are more expensive. Choosing a policy with a more limited, local, or "guided" list can significantly reduce your premium.

  • Outpatient Cover: This covers consultations and diagnostics that don't require an overnight hospital stay (like Alex's initial MRI and specialist visit). You can choose a policy with full outpatient cover, a capped limit (e.g., £1,000 per year), or no outpatient cover at all to manage costs.

Step 3: Seeking Expert Advice

After an evening of comparing providers online, Alex felt overwhelmed. The variables were endless. He realised that trying to find the "best PMI provider" on his own was like trying to design a brand identity without a client brief.

This is when he contacted WeCovr. As an independent, FCA-authorised PMI broker, our role is to do the heavy lifting for our clients. We work for you, not the insurance companies. Alex was relieved to learn that:

  • Our service is free: We earn a commission from the insurer you choose, so there's no fee for our advice.
  • We're impartial: We compare policies from across the market to find the one that truly fits your needs and budget.
  • We handle the details: We explain the jargon, manage the application, and ensure you understand exactly what you're buying.

How Alex Tailored His PMI Policy to Fit a Freelancer's Budget

Working with a WeCovr adviser, Alex discovered he could build a robust policy that didn't break the bank. The key was to be strategic about his cover, focusing on what mattered most and trimming the rest.

Here are the four key decisions he made to make his private health cover affordable:

  1. Chose a Sensible Excess: Alex knew he could comfortably afford a one-off payment of £500 if he needed to claim. By selecting a £500 excess instead of £100 or £0, he immediately lowered his monthly premium by over 20%.

  2. Opted for a "Guided" Consultant List: Instead of a policy that allowed him to choose any specialist in the country, he chose one where the insurer provides a shortlist of 3-5 pre-approved experts for any given condition. This feature, offered by providers like Aviva, ensures quality care while keeping costs down for the insurer, a saving they pass on to the policyholder.

  3. Capped His Outpatient Cover: Alex knew his main concern was getting a quick diagnosis. He didn't need unlimited outpatient cover. He chose a policy with a £1,000 annual limit for outpatient consultations and tests. This was enough to cover the essentials without paying for a top-tier benefit he was unlikely to use fully.

  4. Added the "6-Week Wait" Option: This was the game-changer for affordability. A 6-week wait option means that if the NHS can provide the inpatient treatment you need within six weeks of when it should take place, you use the NHS. If the NHS waiting list is longer than six weeks, your private medical insurance kicks in. As long NHS waits for non-urgent surgery are the primary driver for PMI, this option dramatically reduces the premium while still providing a vital safety net.

This table illustrates how these choices can impact the cost of a policy:

Policy ChoiceHigh-Cost "Comprehensive" OptionAlex's "Smart & Affordable" ChoiceImpact on Premium
Policy Excess£100£500Significant Reduction
Hospital ListFull national list including LondonGuided consultant & regional listReduction
Outpatient CoverFull, unlimited cover£1,000 annual limitSignificant Reduction
NHS 6-Week WaitNot included (immediate private access)IncludedMajor Reduction

By making these strategic choices, Alex secured a comprehensive private medical insurance policy for a monthly premium he was comfortable with—less than his weekly business lunch budget.

The Tangible Benefits for Alex a Year Later

Fast forward twelve months. Alex's business is doing better than ever. The peace of mind alone, he says, has been worth the premium. But the real value of his policy became apparent when he started experiencing persistent lower back pain—a common ailment for desk workers.

Instead of anxiety and a long wait, this was his experience:

  1. GP Visit: He visited his NHS GP, who agreed he needed to see a specialist and get a scan.
  2. Call to Insurer: He called the dedicated claim line for his policy (which he found through WeCovr). He provided his membership number and the GP's referral details.
  3. Authorisation: Within 24 hours, his claim was authorised. He was given a choice of three private physiotherapy clinics near his home.
  4. Treatment: He had his first physio appointment that same week. Over the next month, a combination of manual therapy and a guided exercise programme resolved the issue completely.

The total time from GP visit to being pain-free and back at full capacity was just over four weeks. The potential NHS wait for routine physiotherapy can be many months in some areas. For Alex, that's the difference between a productive, profitable quarter and a period of stress and lost earnings.

Beyond the core cover, Alex discovered his policy came with valuable extras he now uses regularly:

  • 24/7 Virtual GP: He can book a video call with a private GP, often for the same day, getting prescriptions or advice without leaving his office.
  • Mental Health Support: His policy includes access to a confidential helpline and a set number of therapy sessions, providing support for the unique stresses of self-employment.
  • Wellness Perks: As a WeCovr client, he gained complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, helping him stay on top of his health goals. He also received discounts on other insurance products, like income protection, which he is now considering.

Is PMI Right for Every Self-Employed Person in the UK?

Private medical insurance is a powerful tool, but it's not a universal solution. It's important to have a balanced view.

PMI could be an excellent investment for you if:

  • Your income is directly linked to your physical and mental wellbeing.
  • You cannot afford to be on a long waiting list for diagnosis or treatment.
  • You value the choice of when, where, and by whom you are treated.
  • You want the peace of mind that comes from having a backup plan to the NHS.

However, PMI might not be the right fit if:

  • You have several pre-existing or chronic conditions that would be excluded from cover.
  • Your budget is extremely tight, and you cannot comfortably afford the monthly premiums.
  • You are fully comfortable relying on the NHS for all your healthcare needs.

Remember the golden rule: Private Medical Insurance UK is designed for new, acute conditions that arise after your policy begins. It is a supplement to the NHS, not a replacement for it.

Finding the Best Private Medical Insurance with a Broker

Alex's story shows that the smartest way to navigate the private health cover market is with an expert guide. A specialist broker doesn't just sell you a policy; they act as your advocate.

Why use a broker like WeCovr?

  • Expertise: We live and breathe the UK PMI market. We know the providers, the policies, and the small print inside-out.
  • Whole-of-Market View: We compare policies and prices from leading UK insurers like Bupa, AXA Health, Aviva, and Vitality, ensuring you see the best options available.
  • Personalised Advice: We take the time to understand your unique situation—your job, your health, your budget—to recommend a policy that's genuinely right for you.
  • No Cost to You: Our advice and support are completely free. You get the benefit of our expertise without paying a penny extra.
  • High Customer Satisfaction: Our focus on clear, honest advice has earned us consistently high ratings from the clients we serve.

For freelancers, contractors, and small business owners, health isn't just personal; it's professional. Protecting it is one of the most sensible business decisions you can make.


Does private health insurance cover pre-existing conditions?

Generally, no. Standard private medical insurance (PMI) policies in the UK are designed to cover acute medical conditions that arise *after* you take out the policy. Most policies will exclude conditions for which you have experienced symptoms, received medication, or sought advice in the 5 years prior to joining.

How much does PMI cost for a self-employed person in the UK?

The cost of PMI varies widely based on several factors: your age, your location, your smoking status, the level of cover you choose (e.g., outpatient limits), your chosen hospital list, and the excess you agree to pay. A young, non-smoker choosing a basic policy with a high excess might pay as little as £30-£40 per month, while comprehensive cover for an older individual could be over £100. Using a broker can help you find the most competitive price for your specific needs.

Can I get PMI if I have a chronic condition like asthma or diabetes?

Yes, you can still get a PMI policy, but it's crucial to understand what will be covered. The policy will not cover the management of the chronic condition itself or any related complications. For example, it would not cover your insulin or regular diabetic check-ups. However, it would still cover you for new, unrelated acute conditions, such as the need for a hernia repair or cataract surgery, subject to your policy's terms.

What is the difference between moratorium and full medical underwriting?

They are two ways insurers assess your health history. With **moratorium underwriting**, you don't declare your medical history upfront, but any condition you've had in the last 5 years is automatically excluded for an initial period (usually 2 years). With **full medical underwriting (FMU)**, you provide your full medical history in an application. The insurer then gives you a definitive list of what is and isn't covered from day one, providing more certainty.

Ready to protect your health and your business?

Take the first step towards peace of mind. Get a free, no-obligation quote from WeCovr today and let our expert advisers build a private medical insurance plan that works as hard as you do.

Get A Free Quote

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:

Our Group Is Proud To Have Issued 800,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

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.

Learn more

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!

Important Information

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.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2025 WeCovr. Made with in London