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WPA vs AXA Health Which is Better for Private Psychiatric Admissions

Deciding between WPA and AXA Health for inpatient psychiatric care in the UK depends on your priorities. AXA offers structured, comprehensive cover with a vast network, while WPA provides a flexible, non-profit alternative.

WeCovr Editorial Team · experienced insurance advisers
Last updated May 14, 2026

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WPA vs AXA Health Which is Better for Private Psychiatric...

TL;DR

Deciding between WPA and AXA Health for inpatient psychiatric care in the UK depends on your priorities. AXA offers structured, comprehensive cover with a vast network, while WPA provides a flexible, non-profit alternative. At WeCovr, our experienced team helps you navigate the nuances of private medical insurance to find a suitable policy.

Key takeaways

  • AXA Health generally provides comprehensive, structured mental health cover with extensive, clearly defined hospital networks.
  • WPA, as a non-profit, offers a more flexible approach, sometimes with shared responsibility benefits that can be unique.
  • Inpatient psychiatric limits are a critical factor; check if cover is limited by days (e.g., 28 days) or a financial cap.
  • UK private medical insurance is designed for acute conditions; it does not cover chronic mental health management.
  • Your choice of underwriting (Moratorium vs. FMU) significantly impacts how pre-existing mental health conditions are treated.

Choosing private medical insurance that robustly covers mental health is one of the most important decisions you can make for your well-being. With WeCovr's extensive experience in the private medical insurance market, having helped arrange cover for over 900,000 individuals and businesses, we understand the critical details that matter. This guide provides an expert comparison of two UK provider panel, WPA and AXA Health, focusing specifically on their provisions for private psychiatric admissions.

A critical look at inpatient mental health limits and specialized networks

When facing a mental health crisis that requires residential treatment, the last thing you or your family need is uncertainty about your insurance cover. A private psychiatric admission provides an intensive, supportive environment for recovery, but it comes at a significant cost. This is where your private health insurance policy becomes a lifeline.

However, not all policies are created equal. The two most critical factors to scrutinise are:

  1. Inpatient Limits: This is the maximum benefit your policy may pay for an inpatient stay. It can be a limit on the number of days (e.g., 28 days per policy year), a financial cap (e.g., up to £25,000), or in some cases, unlimited.
  2. Specialized Hospital Networks: Insurers don't just let you choose any hospital. They have pre-agreed lists of "recognised" facilities. For mental health, it's vital to know if this list includes leading psychiatric hospitals like The Priory Group or Nightingale Hospital.

This article will dissect the offerings of WPA and AXA Health through this critical lens, helping you understand which might be a more suitable option for your circumstances.

Understanding Private Mental Health Cover in the UK

Before comparing providers, it’s essential to grasp the fundamental principles of mental health cover within UK private medical insurance (PMI).

The most important rule is that PMI is designed to cover acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a recovery.

In contrast, PMI does not cover chronic conditions. A chronic condition is one that continues indefinitely and has no known cure. It can be managed with treatment and medication but is a long-term part of your health. Many mental health conditions, such as recurrent depression or bipolar disorder, are considered chronic.

So, how does this work in practice?

  • PMI may cover: An acute mental health episode. For example, a severe bout of anxiety or depression that requires a short-term, intensive course of inpatient treatment to stabilise you and set you on the path to recovery.
  • PMI Will Not Cover: The long-term, day-to-day management of a chronic mental health condition. This includes ongoing therapy or medication once you are stable.

Furthermore, pre-existing conditions are typically excluded. If you have sought advice, medication, or treatment for a mental health condition in the five years before taking out your policy, it will likely be excluded from cover, at least initially.

AXA Health: A Deep Dive into their Mental Health Offering

AXA Health is one of the largest and most established health insurers in the UK. Their approach to mental health is generally comprehensive and well-structured, making it a popular choice for individuals and employers.

Inpatient Psychiatric Cover

AXA Health's Personal Health plan typically includes a core mental health benefit, but the level of cover can vary. For inpatient treatment, you will often find:

  • Defined Limits: Cover for psychiatric admissions is usually subject to a specific limit, which could be a set number of days or a financial cap. While some older or corporate plans might offer more extensive cover, a 28-day limit is a common feature on many individual policies.
  • Full Cover (as an option): Many AXA policies allow you to upgrade your mental health cover for an additional premium. This can extend or even remove the standard limits, providing "full cover" for inpatient psychiatric treatment, which is a significant advantage for those prioritising mental health.

Specialized Network

This is a major strength for AXA. They operate a guided hospital network called the Directory of Hospitals. For mental health, this includes a specific list of recognised psychiatric facilities.

  • Extensive List: AXA has agreements with a wide range of specialist providers, including the well-known Priory Group and Nightingale Hospital in London.
  • Guided Option: You are directed to a facility from their approved list. While this might seem restrictive, it can help support quality and helps manage costs, keeping premiums more stable. The process is straightforward: your GP refers you to a specialist, who then recommends admission to a hospital on AXA's list.

Real-Life Scenario:

  • Amelia, a 30-year-old graphic designer with an AXA Health policy, experiences a severe episode of burnout and depression. Her GP refers her to a psychiatrist who recommends a 3-week inpatient stay. The psychiatrist checks AXA's hospital directory and finds a recognised Priory hospital nearby. The admission is pre-authorised, and AXA covers the cost of her treatment up to the limit specified in her policy.

AXA Health Mental Health Cover Summary

FeatureDetailsAdviser Insight
Inpatient CoverOften a standard limit (e.g., 28 days) with options to upgrade to full cover.The upgrade to full mental health cover is a powerful feature and well worth considering if this is a priority for you.
Outpatient CoverTypically covers specialist consultations and may include a set number of therapy sessions (e.g., CBT).Check the financial limits for outpatient therapy, as these can be used up quickly.
Hospital NetworkExtensive, guided network including major specialist groups like The Priory.The guided nature simplifies the process, but you should consider whether you may need to use a facility from their list.
Claim ProcessStandard pre-authorisation process. Straightforward and efficient.get pre-authorisation before starting any treatment to help support it's covered.

WPA: Analysing their Approach to Psychiatric Care

WPA (Western Provident Association) operates differently from giants like AXA. As a not-for-profit provident association, their focus is on their members rather than shareholders. This often translates into unique policy features and a different philosophical approach.

Inpatient Psychiatric Cover

WPA's 'Complete Health' policies offer a more modular approach. Mental health cover is often an optional add-on, and the structure can be distinct.

  • Shared Responsibility: A hallmark of some WPA plans is the concept of "shared responsibility." For certain treatments, WPA might cover, for example, 75% of the cost, with you covering the remaining 25%. This helps keep premiums down but means you may need to be prepared for an out-of-pocket expense.
  • Benefit Pools: Instead of a simple day limit, WPA might use overall benefit funds or "pots" of money that can be used for various treatments, including psychiatric care. Their 'Premier' and 'Elite' plans can offer generous mental health benefits, often stated as a financial limit rather than a number of days.
  • No Claim Discount Protection: WPA is also known for its generous No Claim Discount (NCD) protection, which can be reassuring for those worried about the premium impact of making a mental health claim.

Specialized Network

WPA has a list of recognised hospitals and specialists, but their approach can feel more flexible than a strictly "guided" option.

  • Freedom of Choice: WPA often promotes a greater freedom to choose your specialist or hospital, as long as they are recognised by WPA and their fees fall within WPA's accepted charging guidelines.
  • Checking Recognition: The onus is slightly more on the member to check that their chosen facility (e.g., a specific Priory clinic or a regulated hospital) is recognised by WPA before proceeding.

Real-Life Scenario:

  • Ben, a 52-year-old consultant with a WPA policy, needs inpatient treatment for anxiety. His specialist recommends a hospital that is not part of a large chain. Ben's wife calls WPA to confirm the hospital and consultant are recognised. WPA agrees to the treatment. Under his plan's shared responsibility clause, WPA covers 75% of the hospital bill, and Ben pays the remaining 25%.

WPA Mental Health Cover Summary

FeatureDetailsAdviser Insight
Inpatient CoverOften an optional benefit. May involve financial limits or shared responsibility clauses.The shared responsibility model can be excellent for managing premiums, but you should consider whether you may need to budget for your portion of the cost.
Outpatient CoverAvailable as an optional extra, often with generous financial limits for therapy on higher-tier plans.WPA's flexibility can be a real plus here, giving you more choice over your therapist.
Hospital NetworkA list of recognised hospitals, but often perceived as offering more freedom of choice than guided lists.typically double-check that your preferred hospital and specialist are recognised by WPA to avoid unexpected shortfalls.
Claim ProcessStraightforward pre-authorisation, with a strong customer service reputation.Their non-profit status often shines through in their customer-centric approach to claims.

Head-to-Head Comparison: WPA vs AXA for Inpatient Psychiatry

So, which provider is a better fit when your primary concern is inpatient psychiatric admissions? The answer depends entirely on your personal priorities and financial circumstances.

FeatureAXA HealthWPA (Western Provident Association)
Policy StructureComprehensive, all-in-one plans.Modular 'pick and mix' plans.
Inpatient LimitTypically a set number of days (e.g., 28), with an option to upgrade to 'full cover'.Often a financial limit, may include a 'shared responsibility' co-payment.
Mental Health CoverIncluded as standard, with upgrade options.Often an optional add-on to the core policy.
Hospital NetworkLarge, structured, guided network. Includes major psychiatric hospital groups.List of recognised hospitals, often perceived as more flexible in choice.
Best For...Someone wanting a clear, structured package with predictable cover from a major brand.Someone wanting to tailor their cover and potentially lower premiums via shared responsibility.
Potential DrawbackThe standard day limits may be insufficient for a severe episode without the upgrade.The 'shared responsibility' element means you will have out-of-pocket costs during a claim.

Analysis & Verdict

  • For Predictability and Simplicity: AXA Health is arguably the more straightforward choice. Their guided network and clear (though potentially limited) day-based cover makes the process easy to understand. If you want the security of knowing you can be treated in a major facility like The Priory with minimal fuss, and you opt for the 'full cover' upgrade, AXA presents a very strong case.

  • For Flexibility and Cost Control: WPA appeals to those who want more control over their policy construction and costs. If you are comfortable with the 'shared responsibility' model and want the flexibility to choose from a wider (though not unlimited) range of specialists, WPA is an excellent option. Their non-profit ethos is also a significant draw for many customers.

Navigating these differences can be complex. An expert broker can model different scenarios for you, ensuring the policy you choose aligns perfectly with your priorities for mental health support.

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The Importance of Specialist Networks: The Priory Group, Nightingale, and Beyond

You cannot overstate the importance of the insurer's hospital list for psychiatric care. Facilities like The Priory Group, Nightingale Hospital, Spire, and Nuffield Health have dedicated mental health units with highly experienced teams. They offer specialised programmes for conditions like depression, anxiety, PTSD, and addiction.

  • AXA's network is comprehensive and explicitly includes these major players. Their "guided" approach means that once you are referred, the path to admission at one of these centres is very clear.
  • WPA also recognises these facilities. However, the onus is on you and your specialist to confirm recognition and help support the fees charged are within WPA's guidelines to avoid a shortfall, over and above any planned shared responsibility payment.

A critical mistake is assuming your policy allows you to be admitted anywhere. check the hospital list before you may need it. An adviser at WeCovr can provide you with the latest hospital lists for both AXA and WPA as part of a free market comparison.

Common Pitfalls and Adviser Insights

As brokers, we see clients make the same mistakes time and again when choosing cover for mental health.

  1. Ignoring the Fine Print: Many people see "Mental Health Cover" on a brochure and assume it's unlimited. You must check the specific inpatient day or financial limits.
  2. Misunderstanding 'Acute vs. Chronic': Believing PMI may cover long-term management of a condition is a frequent error. PMI is for the crisis, not the ongoing care.
  3. Forgetting the Excess: Your policy excess (e.g., £250) will apply to a mental health claim just like a physical health claim.
  4. Not Disclosing Past Issues: Failing to be honest during underwriting can invalidate your policy. It is far better to have a condition excluded upfront than to have a claim denied later.

Insider Adviser Tip: "When you receive your policy documents, go straight to the section on 'Mental Health' or 'Psychiatric Treatment'. It often has its own separate set of limits and rules that differ from the main policy. A good broker will highlight this for you during the recommendation process."

How Underwriting Affects Your Mental Health Cover

When you apply for a policy, the insurer will underwrite it in one of two ways. This choice has huge implications for mental health.

  • Moratorium (Mori) Underwriting: This is the most common type. The insurer doesn't ask for your full medical history upfront. Instead, they automatically exclude any condition for which you have had symptoms, medication, or advice in the 5 years before your policy started. If you then go 2 continuous years on the policy without any issues relating to that condition, it may become eligible for cover.

    • Example: If you had therapy for anxiety 3 years ago, it would be excluded for the first 2 years of your policy. If you have no anxiety-related issues in that time, it could then be covered.

  • Full Medical Underwriting (FMU): You provide your full medical history via a questionnaire. The insurer assesses it and tells you upfront exactly what is and isn't covered. They may place a permanent exclusion on a past mental health condition.

    • Example: If you declare a history of depression, the insurer might issue the policy with a permanent exclusion for "depression and related conditions." You have clarity from day one.

The best underwriting method depends on your personal history. Speaking to an adviser at A WeCovr specialist or trusted broker partner can help you decide which route is more appropriate for your circumstances.

Cost Considerations: How do WPA and AXA Compare?

It's impossible to give exact prices, as your premium depends on your age, location, chosen excess, and the level of cover.

However, we can talk in general terms:

  • AXA Health, as a major commercial insurer, has competitive pricing driven by scale. Their modular plans allow you to control costs, but adding comprehensive mental health upgrades will increase the premium.
  • WPA's non-profit status and 'shared responsibility' options can lead to very competitive premiums. By agreeing to co-pay a portion of any claim, you can significantly reduce your monthly outlay.

The key is not to just look for the lower-cost policy. A low-cost plan with a 14-day inpatient limit for mental health is of little use if you may need a 28-day admission. Value comes from finding the right balance of comprehensive cover and affordable premiums. WeCovr provides a full market analysis to find this balance for you.

When you take out a policy with us, you also gain complimentary access to our AI-powered nutrition app, CalorieHero, and can benefit from discounts on other policies like life or income protection insurance, reflecting our commitment to your overall well-being.

Does private health insurance cover therapy and counselling?

Yes, most UK private medical insurance policies offer cover for outpatient therapies like counselling, CBT (Cognitive Behavioural Therapy), and psychotherapy. However, this is usually subject to a financial limit or a set number of sessions per policy year. You typically need a GP referral to access this benefit.

Will a past mental health diagnosis stop me from getting cover?

No, a past diagnosis will not usually prevent you from getting a policy. However, the condition will be treated as pre-existing. Under moratorium underwriting, it will be excluded for at least two years. Under full medical underwriting, the insurer will likely apply a permanent exclusion for that specific condition and any related ones.

Is addiction treatment covered under inpatient psychiatric benefits?

This varies significantly between insurers and policies. Some policies explicitly exclude treatment for drug and alcohol addiction, while others may cover a one-off course of detoxification and rehabilitation as part of the inpatient psychiatric benefit. It is critical to check the specific policy wording for exclusions related to addiction before purchasing.

Can I switch my health insurance from AXA to WPA (or vice versa)?

Yes, it is possible to switch insurers while maintaining cover for conditions that have already arisen under your old policy. This is done through a process called Continued Personal Medical Exclusions (CPME) underwriting. An FCA-regulated WeCovr specialist or one of our broker partners can manage this process for you, ensuring no loss of cover for eligible conditions.

The Final Verdict

Both AXA Health and WPA offer strong, credible options for private mental health cover. There is no single "best" provider; the most suitable choice is the one that aligns with your needs and budget.

  • Choose AXA Health if you value a structured, comprehensive plan with a wide, clearly defined network and want the simplicity of a "one-stop-shop" from a global insurance leader. The option to upgrade to full mental health cover is a major selling point.
  • Choose WPA if you prefer a flexible, modular approach from a non-profit provider and are comfortable with a shared-responsibility model to manage your premiums. Their customer-centric reputation is also a significant plus.

The nuances between these providers are subtle but significant, especially when dealing with something as important as psychiatric care. one way to make an informed decision is to compare them side-by-side based on your unique health profile and priorities.

Contact a WeCovr specialist or trusted broker partner today for a free, no-obligation quote. We'll compare WPA, AXA, and the wider UK market to find a policy that provides peace of mind and robust support when you may need it most.

Sources

  • NHS England
  • Financial Conduct Authority (FCA)
  • Office for National Statistics (ONS)
  • gov.uk
  • National Institute for Health and Care Excellence (NICE)

Important Information and Risks

No advice: This article is for general information only. It is not financial, legal, insurance, or tax advice, and it is not a personal recommendation. WeCovr does not assess your individual circumstances or recommend a specific product through this article.

Policy exclusions and underwriting: Insurance policies, including life insurance, private medical insurance, critical illness cover, and income protection, are subject to insurer underwriting, eligibility, acceptance criteria, terms, conditions, limits, and exclusions. Pre-existing medical conditions may be excluded, restricted, or accepted on special terms unless an insurer confirms otherwise in writing.

Tax treatment: References to tax treatment, HMRC rules, or business reliefs are based on current UK legislation and guidance, which can change. Tax treatment depends on your personal or business circumstances and may differ from examples in this article.

Before you buy: Always read the Insurance Product Information Document (IPID), policy summary, and full policy terms before buying, renewing, changing, or keeping cover. If you are unsure whether a policy is suitable for you, speak to an insurance adviser.

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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:

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• Mental health treatment

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Questions to ask yourself regarding private medical insurance

Just ask yourself:
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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.

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Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of experienced advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.

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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 a strong fit for your needs 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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