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Employer Private Health Insurance What Companies Need to Know

In today's competitive UK job market, attracting and retaining top talent requires more than just a competitive salary. At WeCovr, with our experience in arranging over 1,000,000 policies of various kinds, we see firsthand how forward-thinking companies use employee benefits to stand out.

Last updated Oct 29, 2026

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Employer Private Health Insurance What Companies Need to Know

TL;DR

In today's competitive UK job market, attracting and retaining top talent requires more than just a competitive salary. At WeCovr, with our experience in arranging over 1,000,000 policies of various kinds, we see firsthand how forward-thinking companies use employee benefits to stand out. One of the most valued benefits you can offer is employer private medical insurance (PMI).

Key takeaways

  • Pre-existing Conditions: Any medical condition an employee had symptoms of, or received treatment for, in the years leading up to the policy start date (typically the last five years) will not be covered initially. Some underwriting types can address this, which we'll cover later.
  • Chronic Conditions: Long-term conditions that cannot be cured but can be managed, such as diabetes, asthma, arthritis, and high blood pressure, are not covered by PMI. The day-to-day management of these conditions remains with the NHS. However, a new, acute flare-up of a chronic condition may sometimes be covered to restore the patient to their previous state of health.
  • Attract & Retain Top Talent: In a candidate-driven market, a strong benefits package is a powerful differentiator. PMI is consistently ranked as one of the most desirable employee perks.
  • Reduce Sickness Absence: According to the latest ONS data, an estimated 185.6 million working days were lost because of sickness or injury in 2022. By providing fast access to treatment, PMI can significantly shorten an employee's recovery time, reducing absenteeism and its impact on your bottom line.
  • Boost Productivity & Morale: An employee worried about their health or a long wait for treatment is unlikely to be fully productive. Knowing they have access to swift medical care reduces stress and shows you care, fostering loyalty and a positive workplace culture.

In today's competitive UK job market, attracting and retaining top talent requires more than just a competitive salary. At WeCovr, with our experience in arranging over 1,000,000 policies of various kinds, we see firsthand how forward-thinking companies use employee benefits to stand out. One of the most valued benefits you can offer is employer private medical insurance (PMI).

This comprehensive guide explains everything UK companies need to know about setting up a group health insurance scheme, from how it works and what it costs, to the significant tax implications and benefits for both your business and your team.

How employer private health insurance works and whether its worth offering staff

Employer private health insurance, often called a 'group health insurance scheme' or 'company PMI', is a policy paid for by a business to give its employees access to private medical care. Its primary purpose is to help staff bypass long NHS waiting lists for eligible, acute conditions, allowing them to receive prompt diagnosis and treatment.

For many UK businesses, offering PMI is a strategic decision. It's not just a perk; it's an investment in your most valuable asset: your people. By ensuring your team can get back on their feet quickly after an illness or injury, you protect your business's productivity and demonstrate a genuine commitment to employee wellbeing.

What is Employer Private Health Insurance?

At its core, employer private health insurance is a contract between your company and an insurance provider. Your company pays a monthly or annual premium for each employee covered by the scheme. In return, the insurer agrees to pay for the private medical treatment of acute conditions that arise after the policy begins.

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, or treatment for hernias.

The Critical Distinction: What PMI Does Not Cover

It is vital to understand that standard UK private medical insurance is designed for new, treatable conditions. It is not designed to replace the NHS.

Two key areas are almost always excluded from standard policies:

  1. Pre-existing Conditions: Any medical condition an employee had symptoms of, or received treatment for, in the years leading up to the policy start date (typically the last five years) will not be covered initially. Some underwriting types can address this, which we'll cover later.
  2. Chronic Conditions: Long-term conditions that cannot be cured but can be managed, such as diabetes, asthma, arthritis, and high blood pressure, are not covered by PMI. The day-to-day management of these conditions remains with the NHS. However, a new, acute flare-up of a chronic condition may sometimes be covered to restore the patient to their previous state of health.

Understanding these exclusions is the single most important step in managing employee expectations and ensuring the benefit is valued correctly.

The Core Benefits: Why Offer PMI to Your Staff?

The decision to invest in a company health scheme brings tangible advantages for both the employer and the employee. In a climate of record NHS waiting times, these benefits have never been more pronounced.

Benefits for Your Company

  • Attract & Retain Top Talent: In a candidate-driven market, a strong benefits package is a powerful differentiator. PMI is consistently ranked as one of the most desirable employee perks.
  • Reduce Sickness Absence: According to the latest ONS data, an estimated 185.6 million working days were lost because of sickness or injury in 2022. By providing fast access to treatment, PMI can significantly shorten an employee's recovery time, reducing absenteeism and its impact on your bottom line.
  • Boost Productivity & Morale: An employee worried about their health or a long wait for treatment is unlikely to be fully productive. Knowing they have access to swift medical care reduces stress and shows you care, fostering loyalty and a positive workplace culture.
  • A Duty of Care: Providing health insurance demonstrates a proactive approach to employee wellbeing and your responsibilities as an employer.

Benefits for Your Employees

  • Reduce Waiting Times Compared with NHS Lists (Subject to Policy Terms): With NHS waiting lists in England exceeding 7.5 million, the primary benefit is speed. PMI allows employees to get diagnosed and treated in weeks, not months or years.
  • Choice and Control: Employees often have a choice of leading specialists and a nationwide network of high-quality private hospitals.
  • Comfort and Privacy: Treatment is typically in a private, en-suite room, offering a more comfortable and restful environment for recovery.
  • Access to Specialist Treatments: Some policies provide access to new drugs or treatments not yet available on the NHS due to funding decisions.
  • Peace of Mind: Perhaps the most significant benefit is the reduction in anxiety for the employee and their family, knowing that care is available when it's needed most.

Get a quote through WeCovr, and a specialist from WeCovr or one of its broker partners will help you compare policies from a range of UK insurers.

How Does a Company Health Insurance Scheme Work in Practice?

The process is designed to be straightforward. Let's walk through a typical employee journey:

  1. Develops Symptoms: An employee, let's call her Sarah, develops persistent knee pain.
  2. Visits GP: Sarah visits her NHS GP, who suspects a torn meniscus and recommends an MRI scan and a consultation with an orthopaedic specialist. The GP provides an 'open referral' letter.
  3. Contacts the Insurer: Sarah calls her company's PMI provider's claims line. She provides her policy number and details of her GP's referral.
  4. Claim Authorisation: The insurer checks her cover and confirms that the condition is eligible. They approve the consultation and MRI scan, providing an authorisation code. They may also provide a list of approved specialists and hospitals in her area.
  5. Receives Treatment: Sarah books her appointment with the specialist at a local private hospital. The scan confirms the diagnosis, and surgery is scheduled for two weeks later.
  6. Direct Settlement: Sarah undergoes the surgery. The hospital and specialist send their invoices directly to the insurance company. Sarah only pays if she has a policy 'excess'.
  7. Recovery: Sarah recovers quickly and is back at work far sooner than if she had waited for the same procedure on the NHS.

The key is that the insurer manages the financial side directly with the healthcare provider, leaving the employee to focus on their health.

Key Factors That Determine the Cost of a Group PMI Policy

The premium for a company health insurance scheme is not a one-size-fits-all figure. Insurers calculate the price based on a range of risk factors. Understanding these can help you tailor a policy to your budget.

Cost FactorHow it Affects the PremiumBroker Insight
Average AgeHigher average age = higher premium. Older employees are statistically more likely to claim.Many insurers use age bands. The premium can jump significantly when the average age crosses a new threshold (e.g., 40, 50).
Number of EmployeesThe more employees on the scheme, the lower the per-head cost tends to be, as the risk is spread.Larger groups (20+) can often access more favourable underwriting terms, like Medical History Disregarded.
Industry/LocationManual labour or high-risk jobs can increase premiums. Policies in Central London are more expensive due to higher hospital costs.An office-based business in Manchester may pay less than a construction firm of the same size based in London.
Level of CoverThis is the biggest driver of cost. Adding benefits like out-patient cover, mental health, or dental/optical will increase the price.Start with core cover (in-patient and day-patient) and then add options based on budget. A good WeCovr specialist or one of our broker partners can model these costs for you.
Policy ExcessThe amount an employee pays towards their first claim each year. A higher excess (£250, £500) will lower the overall premium.Introducing a small compulsory excess is one of the most effective ways to manage costs without significantly reducing the benefit.
Hospital ListInsurers offer tiered hospital lists. A comprehensive list including prime London hospitals is the most expensive.Choosing a more restricted list that still provides excellent nationwide coverage can deliver significant savings.
UnderwritingThe method used to assess pre-existing conditions. 'Medical History Disregarded' is the most expensive but more comprehensive.We'll explore this next, as it's a critical decision point, especially for smaller businesses.

Understanding Underwriting: The Engine of Your Policy

Underwriting is how an insurer decides how to treat pre-existing medical conditions. For group schemes, there are several options, and the right choice depends on your company's size and goals.

Underwriting TypeHow it WorksBest For
Moratorium (Mori)No medical questions upfront. Any condition a member had in the 5 years before joining is excluded. This exclusion is lifted if they go 2 full years on the policy without symptoms, treatment, or advice for that condition.Small businesses (2-15 employees) wanting a quick and simple setup. It's the most common type for SMEs.
Full Medical Underwriting (FMU)Each employee completes a full health questionnaire. The insurer then applies specific, named exclusions to their cover based on their medical history.Companies wanting absolute clarity on what is and isn't covered from day one. Can sometimes be cheaper if the workforce is very healthy.
Medical History Disregarded (MHD)The 'gold standard'. The insurer agrees to cover eligible pre-existing conditions, subject to the policy terms. No medical information is needed from staff.Larger companies (usually 15/20+ employees). It's a major selling point as it provides the more comprehensive cover.
Continued Personal Medical Exclusions (CPME)Used when switching a scheme from one insurer to another. It ensures employees carry over the same exclusions they had on their old policy, preventing loss of cover.Any business looking to switch its PMI provider to get a better deal or improved service.

A specialist at WeCovr or one of our broker partners can be invaluable here. We help you understand which underwriting option offers good value for your specific team and negotiate with insurers to secure the most favourable terms, especially for accessing MHD underwriting.

What's Typically Covered by Company PMI (and What's Not)?

While every policy is different, most are built around a core set of benefits, with optional extras you can add to enhance the cover.

Included in Most Policies (Core Cover)Often Excluded or Optional Extras
✅ In-patient & Day-patient Treatment (hospital stays)❌ Pre-existing & Chronic Conditions
✅ Specialist Consultation Fees❌ Routine Pregnancy & Childbirth
✅ Hospital Accommodation & Nursing Care❌ Cosmetic Surgery
✅ Cancer Cover (often extensive and a key benefit)❌ A&E / Emergency Services
✅ Diagnostic Tests (MRI, CT, PET scans)❌ Management of Alcohol/Drug Abuse
✅ Surgical Procedures❌ Unproven or Experimental Treatment
✅ Optional Add-ons:❌ Optional Add-ons (unless selected):
➕ Out-patient Cover (consults/tests not needing a hospital bed)➖ Dental & Optical Cover
➕ Mental Health Cover (psychiatric & therapeutic support)➖ Therapies (Physio, Osteo, Chiro)
➕ Alternative Therapies

Communicating this clearly to staff is essential. The policy is there for acute, unexpected issues, while the NHS remains the port of call for emergencies, GP services, and long-term condition management.

The Tax Implications of Employer Health Insurance

The tax treatment of company health insurance is a crucial factor in your financial planning. It's viewed favourably for the business but creates a tax liability for the employee.

For the Employer

The premiums your company pays for the group health scheme are generally considered an allowable business expense. This means you can deduct the full cost from your pre-tax profits, reducing your overall Corporation Tax bill.

For the Employee

Private medical insurance is treated as a 'benefit-in-kind'. This is a non-cash benefit that has a monetary value.

  • The value of the benefit is the cost of the premium paid by the employer for that specific employee.
  • Your company must report this on a P11D form to HMRC each year.
  • The employee then pays income tax on the value of that premium, usually through an adjustment to their tax code.

Example:

  • An employee, David, is a basic rate (20%) taxpayer.
  • The annual premium for his health cover is £800.
  • David may pay 20% of £800 in tax, which is £160 per year (or about £13.33 per month).
  • For a higher rate (40%) taxpayer, the cost would be £320 per year.

Even with this tax liability, the vast majority of employees find that the value and peace of mind offered by the insurance far outweigh the personal tax cost.

Enhancing Your Benefits with WeCovr's Added Value

When you arrange your company's health insurance through a dedicated WeCovr specialist or one of our broker partners, you not only get regulated guidance and market comparison but also access to additional perks that enrich your employee wellbeing programme.

  • Complimentary Access to CalorieHero: All employees covered under a scheme arranged by us get free access to our AI-powered calorie and nutrition tracking app, CalorieHero. This is a great tool to support proactive health and wellness initiatives in your workplace.
  • Discounts on Other Insurance: As a WeCovr client, your business and employees can benefit from WeCovr car insurance rates on other types of essential cover, such as life insurance, income protection, and critical illness cover, creating a more holistic safety net.

We believe in adding tangible value beyond just finding a strong fit for your needs. These benefits help embed a culture of health and financial resilience within your organisation.

Get a quote through WeCovr, and a specialist from WeCovr or one of its broker partners will help you compare policies from a range of UK insurers.

Is employer health insurance a taxable benefit in the UK?

Yes, it is. The premium paid by the employer is considered a 'benefit-in-kind' for the employee. This means the employee must pay income tax on the value of the premium. The company reports this to HMRC via a P11D form, and the tax is typically collected by adjusting the employee's tax code.

How many employees do I need for a group health insurance policy?

Most UK insurers will offer a group health insurance scheme for businesses with as few as two employees. However, to access the most WeCovr car insurance terms, such as Medical History Disregarded (MHD) underwriting, you typically need a larger group, often 15 to 20 employees or more, depending on the insurer.

Can we cover employees' family members on the policy?

Yes, absolutely. Most company schemes allow for the inclusion of dependents, such as spouses, partners, and children. Companies can choose to fund this cover themselves, or they can offer it as a 'corporate scheme' where the employee pays for their family members' cover, but at the company's WeCovr car insurance group rate.

Does company PMI cover mental health conditions?

It depends on the policy. Basic policies may offer limited mental health support, such as access to a helpline. More comprehensive policies can include cover for out-patient therapies (like CBT) and in-patient psychiatric treatment. Given the growing focus on mental wellbeing, many companies now opt to include this as a key part of their cover.

Is Employer Private Health Insurance Worth It? The Verdict

For a modern UK business focused on growth, stability, and its people, the answer is a resounding yes.

The investment in a company health insurance scheme pays dividends in recruitment, retention, and reduced absenteeism. It sends a powerful message that you value your employees' health and wellbeing, fostering a loyal and resilient workforce. In an era where the NHS is under unprecedented pressure, providing a route to fast, effective private medical care is one of the most meaningful and impactful benefits you can offer.

The key to a successful scheme is getting the right advice. The market is complex, with numerous providers, cover levels, and underwriting options. Partnering with an expert, regulated broker is the most effective way to navigate these choices.

A specialist at WeCovr or one of our broker partners can help UK businesses of all sizes find the perfect health insurance solution. We take the time to understand your company's budget, culture, and objectives. We then scour the market on your behalf, comparing policies from well-known providers like Aviva, AXA, Bupa, and Vitality to present you with clear, jargon-free options.

Our service has no separate broker fee, our advice is regulated, and our goal is simple: to help you protect your team and your business.

Ready to explore the right health insurance options for your company?

Contact WeCovr today for a free, no-obligation market review and quote. Let's build a healthier, more productive future for your business, together.

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:

• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment

Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.

Questions to ask yourself regarding private medical insurance

Just ask yourself:
👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?

Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.

Benefits offered by private medical insurance

Private medical insurance provides numerous benefits that can significantly improve your healthcare experience and outcomes:

Faster Access to Treatment
One of the biggest advantages is avoiding NHS waiting lists. While the NHS provides excellent care, waiting times can be lengthy. With private medical insurance, you can often receive treatment within days or weeks rather than months.

Choice of Consultant and Hospital
You can choose your preferred consultant and hospital, giving you more control over your healthcare journey. This is particularly important for complex treatments where you want a specific specialist.

Better Facilities and Accommodation
Private hospitals typically offer superior facilities, including private rooms, better food, and more comfortable surroundings. This can make your recovery more pleasant and potentially faster.

Advanced Treatments
Private medical insurance often covers treatments and medications not available on the NHS, giving you access to the latest medical advances and technologies.

Mental Health Support
Many policies include comprehensive mental health coverage, providing faster access to therapy and psychiatric care when needed.

Tax Benefits for Business Owners
If you're self-employed or a business owner, private medical insurance premiums can be tax-deductible, making it a cost-effective way to protect your health and your business.

Peace of Mind
Knowing you have access to private healthcare when you need it provides invaluable peace of mind, especially for those with ongoing health conditions or concerns about NHS capacity.

Private medical insurance is particularly valuable for those who want to take control of their healthcare journey and ensure they receive the best possible treatment when they need it most.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get private medical insurance early?

👉 Many people are very thankful that they had their private medical insurance cover in place before running into some serious health issues. Private medical insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, and even our phones! Yet our health is the most precious thing we have.

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

It certainly won't do any harm if you speak with one of our experienced insurance experts who are passionate about advising people on financial matters related to private medical insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable private medical insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

Private medical insurance is designed for conditions that start after your policy begins, so pre-existing conditions are usually excluded, at least at first. With moratorium underwriting, a pre-existing condition may become eligible for cover once you have gone two continuous years on the policy without symptoms, treatment or advice for it. With full medical underwriting, the insurer tells you upfront which conditions are excluded. If you are switching from another policy or leaving a company scheme, you may be able to keep your existing underwriting terms, and some larger company schemes use Medical History Disregarded underwriting, where pre-existing conditions aren't excluded. Chronic conditions that need long-term management aren't covered by standard policies.

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. Some policies can also cover treatments and drugs that aren't routinely available on the NHS.

There's no fee to get quotes through WeCovr. WeCovr and its broker partners are typically paid a commission by the insurer when you take out a policy. The cost of the policy itself depends on your age, where you live, the cover you choose and your excess.

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 may benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product, and policies differ in ways that matter. Speaking to a specialist at WeCovr or one of its broker partners helps make sure your requirements are understood so you can choose the right cover.

WeCovr's broker partners are firms authorised and regulated by the Financial Conduct Authority (FCA), which requires them to treat customers fairly. You can check any firm on the FCA Register.

WeCovr and its broker partners are typically paid a commission by the insurer when a policy is taken out. The premium is set by the insurer, and you don't pay a separate fee for using the service. You can ask about the commission at any time.

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 eligible conditions that arise after your policy begins. You pay a monthly or annual premium and can claim for private healthcare covered by your policy. Benefits can include quicker access to treatment than on the NHS and, on some policies, access to drugs or treatments that aren't routinely available on the NHS.

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, chronic conditions and conditions present before the policy started.

Usually not on a new personal policy: pre-existing conditions are generally excluded, whatever the premium. Depending on your underwriting, a condition may become eligible later, and if you are switching policies or leaving a company scheme you may be able to keep existing terms. If you have questions about what is covered, contact WeCovr and a specialist at WeCovr or one of its broker partners can explain the options.

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. Depending on the insurer, it applies once per policy year or once per claim. A specialist at WeCovr or one of its broker partners can explain the excess options available.

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.

Some insurers have an upper age limit for new customers, while others don't, and age affects the price. Many insurers will renew an existing policy regardless of age. A specialist at WeCovr or one of its broker partners can help you find insurers that accept your age.

A specialist at WeCovr or one of its broker partners can compare health insurance plans from a range of insurers for you, with no fee to you. Consider individual, couple, or family plans and review coverage details thoroughly before choosing.

Usually, yes. Many insurers let you add a partner or dependent children, either at any time or at renewal, depending on the insurer. The cost depends on factors like their age, where you live and the cover you choose. Contact WeCovr or your insurer for help adding someone to your policy.

UK private medical insurance is designed for treatment in the UK, although some policies include limited cover abroad. If you live or work abroad, international health insurance may be more suitable, and WeCovr or one of its broker partners can help you compare options. For holidays, travel insurance is recommended.

Comprehensive cover usually includes more extensive benefits, such as fuller outpatient cover for consultations, diagnostic tests, physiotherapy and mental health therapies, within the policy limits. A specialist at WeCovr or one of its broker partners can explain the different levels of cover.

Private health insurance typically does not cover routine dental treatment, although some insurers offer a dental option and there are standalone dental policies. A specialist at WeCovr or one of its broker partners can help you compare policies with dental options.

Most private medical insurance policies include cover for cancer diagnosed after the policy starts, but the level of cover varies: some policies limit drugs, treatment time or cost. A specialist at WeCovr or one of its broker partners can help you compare cancer cover between policies.

You can usually change your cover at renewal, and some insurers allow changes during the year. You also have a 14-day cooling-off period after receiving your policy documents, during which you can cancel. A specialist at WeCovr or one of its broker partners can help with changes.

Many policies include a digital GP service provided by the insurer, often with same-day or next-day appointments. Check what your policy includes.

Yes, family members on the same policy can potentially have different levels of cover tailored to their individual needs.

Yes. Insurers offer a range of cover levels to suit different budgets and needs, and a specialist at WeCovr or one of its broker partners can talk you through the options.

Your insurer can tell you which hospitals and specialists are included in your policy. For help comparing policies' hospital lists, tap one of the buttons above or below and fill in a few details, and a specialist at WeCovr or one of its broker partners will be in touch.

A fee-assured (or fee-approved) consultant has agreed to charge within your insurer's fee limits, so for eligible, authorised treatment you shouldn't have to pay a shortfall for their fees.

Many policies include some mental health cover, either as standard or as an option, usually with limits on therapy sessions or costs. Cover varies between insurers, so check the details.

Yes, children up to a certain age can usually be included on your policy, and some insurers offer discounts for children.

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. Tap a button below to get your own personalised quote through WeCovr.

Private health insurance can offer quicker access to consultations and treatment for eligible conditions, and more choice over when and where you are treated.

Many policies include physiotherapy, sometimes with limits on sessions or cost. A specialist at WeCovr or one of its broker partners can help you find plans that include it.

Services such as the insurer's digital GP app are usually available as soon as your policy starts.

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 eligible new conditions that arise after the policy starts. Pre-existing conditions are usually excluded, chronic conditions aren't covered, and other exclusions apply.

Health insurance pays for eligible private healthcare, such as consultations and treatment, up to your policy limits. A specialist at WeCovr or one of its broker partners can help you arrange cover.

Outpatient cover includes consultations, physiotherapy, and mental health therapies outside hospital admissions.

Usually, yes: cover for eligible new conditions starts when your policy starts, and services like a nurse helpline or digital GP app are usually available straight away. If you make a claim soon after starting, the insurer may ask for a 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. Visit your insurer's website, or ask a specialist at WeCovr or one of its broker partners, for details of member rewards.

You may be able to continue your cover with the same insurer on a personal policy, or take out a new policy. Continuing with the same insurer can mean keeping your existing underwriting, so conditions covered under the company scheme may stay covered. A specialist at WeCovr or one of its broker partners can talk you through your options.

You can tap one of the buttons above or below and fill in a quick form to arrange a call to discuss your options.

Your cover may be similar but not identical, and ongoing medical conditions may be covered, depending on the terms. A specialist at WeCovr or one of its broker partners can help you find the right level of cover.

Usually not, because employers often pay for or contribute to staff cover and group schemes are priced differently. Your cover level and age also affect the price. A specialist at WeCovr or one of its broker partners can give you more detail.

There is usually a limited window after leaving, set by the insurer, so check as early as possible. Your personal policy can often start the day after your work cover ends, and a specialist at WeCovr or one of its broker partners can explain other options.

Have your leaving date and your current policy details ready, then contact WeCovr to discuss your options with a specialist at WeCovr or one of its broker partners.

Ongoing treatment may be covered if you continue with the same insurer on a personal policy, although it could affect the price. A specialist at WeCovr or one of its broker partners can explain your options.

Your insurer will explain how to pay your excess when you contact them for treatment authorisation. Usually you pay it to the hospital or consultant.

Usually not: with most insurers, there's no excess for services such as a digital GP. Check your policy.

Excess changes are usually made at renewal, although some insurers allow changes at other times.

No claims discounts can impact renewal costs based on claims history.

Pre-existing conditions usually aren't covered on a new personal policy. A specialist at WeCovr or one of its broker partners can explain the underwriting options.

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 are medical issues that existed before your policy started. Many insurers treat any condition you've had symptoms of, treatment for or advice about in the five years before the policy started as pre-existing. A specialist at WeCovr or one of its broker partners can help you understand how pre-existing conditions affect your options.

While some insurance providers automatically renew your private healthcare cover, it's worth comparing policies when yours is due for renewal to check it still offers good value for the cover you need. A specialist at WeCovr or one of its broker partners can help you compare.

Typically, you must be over 18 to take out your own policy, but children can usually be included on a family policy. Some insurers have an upper age limit for new customers, and premiums typically increase with age. A specialist at WeCovr or one of its broker partners can explain the age rules of different insurers.

Some insurers charge less if you pay annually, but this depends on the insurer. A specialist at WeCovr or one of its broker partners can tell you whether paying annually would save you money.

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.

Usually not. With full medical underwriting you complete a medical questionnaire, and the insurer may occasionally ask your GP for a report. With moratorium underwriting there's no medical questionnaire upfront. A specialist at WeCovr or one of its broker partners can explain 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. A specialist at WeCovr or one of its broker partners can help you find policies that offer GP services.

With private health insurance, you can often get a GP appointment much more quickly, sometimes even on the same day, through the insurer's GP service. A specialist at WeCovr or one of its broker partners can help you find policies that include it.

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. A specialist at WeCovr or one of its broker partners can help you understand the different types of care and find a policy that suits your needs.

Private health insurance pays for eligible medical treatment if you fall ill, while critical illness cover pays a lump sum if you are diagnosed with one of the illnesses listed in the policy, which you can use however you choose, for example to replace lost income. A specialist at WeCovr or one of its broker partners can help you understand the differences.

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. A specialist at WeCovr or one of its broker partners can help you find appropriate cover.

If your employer pays for your health insurance, it's usually a taxable 'benefit in kind': you pay income tax on its value, normally through your tax code or payroll, and your employer pays Class 1A National Insurance. For the employer, the premiums are usually an allowable business expense. If you buy a personal policy, you pay for it from taxed income. For advice on your situation, speak to an accountant.

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. A specialist at WeCovr or one of its broker partners 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. A specialist at WeCovr or one of its broker partners can help you understand the differences and choose the right option for you.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Each year you don't claim typically adds to your no-claims discount, which can reduce your premium at renewal. A specialist at WeCovr or one of its broker partners can help you find policies that offer no-claims discounts.

To find the right health insurance for you, compare 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. A specialist at WeCovr or one of its broker partners can help you evaluate your options.

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, check your policy terms to see whether your insurer requires a GP referral first (many do). Some policies offer direct access without a referral for certain conditions, such as muscle and joint problems or counselling 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 published 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 practise privately, so you could potentially see the same consultant either way. However, private healthcare typically offers shorter waiting times, usually a private room, and more flexible visiting. Some policies also give 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.

Usually, yes. If you have private tests or scans but then want NHS treatment, your GP or private consultant can refer you to the NHS and share your results, although the NHS team may want to repeat some tests.

Key guides

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