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Private Health Insurance for Limited Companies in the UK

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 15, 2026
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TL;DR

As an FCA-authorised expert that has helped arrange over 900,000 policies, WeCovr understands the value of private medical insurance. This guide explains everything UK limited company directors need to know about providing this exceptional benefit, from tax implications to choosing the best PMI provider for your team. Comprehensive group PMI plans for company employees Private Medical Insurance (PMI), often called business health insurance or group health cover when offered by an employer, is one of the most highly valued employee benefits in the UK.

Key takeaways

  • Reduced Sickness Absence: This is perhaps the most direct financial benefit. According to the Office for National Statistics (ONS), an estimated 185.6 million working days were lost because of sickness or injury in 2022. PMI helps employees get diagnosed and treated faster, meaning they can return to work quicker. This minimises project delays, reduces the cost of temporary staff, and maintains productivity.
  • Enhanced Recruitment and Retention: A quality health insurance package makes your company more attractive to high-calibre candidates. For existing staff, it’s a tangible benefit that fosters loyalty and makes them feel valued, reducing costly staff turnover.
  • Improved Employee Morale and Productivity: Knowing they have a safety net for their health reduces stress and financial worry for employees. A healthier, happier workforce is a more focused and productive one.
  • A Duty of Care: Providing health insurance demonstrates a strong commitment to your team's welfare, building a positive and supportive company culture.
  • Potential Tax Efficiencies: The cost of the insurance premiums is generally considered an allowable business expense, which can be offset against your company's corporation tax bill.

As an FCA-authorised expert that has helped arrange over 900,000 policies, WeCovr understands the value of private medical insurance. This guide explains everything UK limited company directors need to know about providing this exceptional benefit, from tax implications to choosing the best PMI provider for your team.

Comprehensive group PMI plans for company employees

Private Medical Insurance (PMI), often called business health insurance or group health cover when offered by an employer, is one of the most highly valued employee benefits in the UK. It gives your team access to private medical diagnosis and treatment for eligible acute conditions, helping them bypass long NHS waiting lists and get back to health, and work, sooner.

For a limited company, a group PMI plan is a powerful tool. It’s not just about healthcare; it’s a strategic investment in your most valuable asset: your people. By providing fast access to expert medical care, you demonstrate a genuine commitment to their wellbeing, which can boost morale, improve loyalty, and significantly reduce the impact of sickness absence on your business operations.

Why Should a Limited Company Offer Private Health Insurance?

Offering private health cover is a significant decision, but the advantages for both the company and its employees are compelling. In a competitive job market, it's a key differentiator that helps attract and retain top talent.

Benefits for the Employer

  • Reduced Sickness Absence: This is perhaps the most direct financial benefit. According to the Office for National Statistics (ONS), an estimated 185.6 million working days were lost because of sickness or injury in 2022. PMI helps employees get diagnosed and treated faster, meaning they can return to work quicker. This minimises project delays, reduces the cost of temporary staff, and maintains productivity.
  • Enhanced Recruitment and Retention: A quality health insurance package makes your company more attractive to high-calibre candidates. For existing staff, it’s a tangible benefit that fosters loyalty and makes them feel valued, reducing costly staff turnover.
  • Improved Employee Morale and Productivity: Knowing they have a safety net for their health reduces stress and financial worry for employees. A healthier, happier workforce is a more focused and productive one.
  • A Duty of Care: Providing health insurance demonstrates a strong commitment to your team's welfare, building a positive and supportive company culture.
  • Potential Tax Efficiencies: The cost of the insurance premiums is generally considered an allowable business expense, which can be offset against your company's corporation tax bill.

Benefits for the Employee

  • Faster Access to Treatment: This is the core benefit. With NHS waiting lists for consultant-led elective care at record levels, PMI allows employees to bypass these queues for eligible conditions.
  • Choice and Convenience: Employees often get a choice of leading private hospitals and consultants. Appointments can be scheduled at times that suit them, minimising disruption to their work and personal lives.
  • Access to Specialist Care and Drugs: PMI can provide access to specialists, treatments, and drugs that may not be available on the NHS due to funding constraints.
  • Comfort and Privacy: Treatment is often in a private room with amenities like an en-suite bathroom, TV, and more flexible visiting hours, making a stressful time more comfortable.
  • Peace of Mind: Knowing that they and their families (if included in the policy) are covered provides invaluable peace of mind.

Real-Life Example: Imagine a key member of your sales team, Sarah, needs a knee operation. The NHS waiting list is 14 months. For your company, that means over a year of Sarah being in pain, potentially on sick leave, and unable to travel to meet clients. With company PMI, she could be referred by her GP, see a specialist within a week, and have the operation in a private hospital within a month. She's back on her feet and back to driving business results in a fraction of the time.

Understanding How Group Private Medical Insurance Works

Navigating the world of PMI can seem complex, but the underlying principles are straightforward. The policy is designed to cover the cost of treating acute conditions that arise after you take out the cover.

The Critical Distinction: Acute vs. Chronic Conditions

This is the most important concept to understand in UK private health insurance.

  • Acute Condition: An illness, disease, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include joint replacements, cataract surgery, hernia repair, or treatment for infections. PMI is designed for these.
  • Chronic Condition: An illness, disease, or injury that requires long-term management and has no known cure. Examples include diabetes, asthma, high blood pressure, and Crohn's disease. Standard UK PMI policies do not cover the routine management of chronic conditions.

Similarly, pre-existing conditions—any ailment you had before the policy started—are also typically excluded.

The Typical Patient Journey

  1. Visit the GP: An employee feels unwell and visits their NHS GP as usual. The PMI policy does not replace the need for a GP.
  2. Get a Referral: If the GP believes specialist treatment is necessary, they will provide an 'open referral' or a referral to a specific specialist.
  3. Contact the Insurer: The employee calls their PMI provider's claims line with the referral details.
  4. Authorise the Claim: The insurer checks that the condition and proposed treatment are covered under the policy and provides an authorisation number.
  5. Book Treatment: The employee books their consultation and subsequent treatment at a private hospital from the list approved by their insurer.
  6. Direct Settlement: The hospital and specialists bill the insurance company directly, meaning the employee doesn't have to handle large invoices. The employee only pays the pre-agreed 'excess', if any.

Underwriting: How Insurers Assess Risk

For group schemes, especially for larger businesses, the underwriting options are more flexible than for individual policies.

Underwriting TypeHow it WorksBest For
Moratorium (Mori)The most common type for small groups. It automatically excludes treatment for any condition an employee had in the 5 years before joining. However, if they go 2 full years on the policy without any symptoms, treatment, or advice for that condition, it may become eligible for cover.Small businesses (2-15 employees) wanting a quick and simple setup with no medical forms.
Full Medical Underwriting (FMU)Employees complete a detailed health questionnaire. The insurer reviews this and explicitly lists any conditions that will be permanently excluded from cover.Companies wanting absolute clarity from day one about what is and isn't covered. Can sometimes be cheaper if the team is in good health.
Medical History Disregarded (MHD)This is the most comprehensive (and expensive) option. The insurer agrees to cover eligible acute conditions, regardless of an employee's prior medical history. Pre-existing conditions are covered.Larger companies (typically 20+ employees) looking to provide the highest level of cover as a premium benefit.
Continued Personal Medical Exclusions (CPME)For groups switching from another provider. The new insurer agrees to carry over the same exclusions from the previous policy, ensuring continuity of cover.Businesses wanting to switch insurers without their employees losing cover for conditions they were previously covered for.

An expert broker, like WeCovr, can advise on the most suitable and cost-effective underwriting method for your company's specific size and needs.

Key Features and Options in a Company PMI Policy

A group PMI policy is not a one-size-fits-all product. You can tailor the cover to match your budget and the level of benefit you want to provide.

Core Cover (Included as Standard)

  • In-patient and Day-patient Treatment: This is the foundation of any policy. It covers costs when an employee is admitted to hospital and requires a bed, either overnight (in-patient) or for the day (day-patient). This includes surgery, hospital accommodation, specialist fees, nursing care, and diagnostic tests.
  • Comprehensive Cancer Cover: Most policies offer extensive cancer cover, including diagnosis, surgery, chemotherapy, and radiotherapy. Advanced options can include access to the latest cancer drugs and therapies not yet approved on the NHS.

Optional Add-ons for Enhanced Cover

  • Out-patient Cover: This is one of the most valuable additions. It covers diagnostic tests and consultations with a specialist before a hospital admission is needed. Without this, an employee would rely on the NHS for their initial diagnosis, which can involve long waits. You can often choose a limit, for example, £500, £1,000, or unlimited.
  • Mental Health Cover: With mental health being a leading cause of workplace absence, this is an increasingly popular option. It provides access to psychiatrists, psychologists, and therapists to support employees with conditions like stress, anxiety, and depression.
  • Therapies Cover: This adds cover for treatments like physiotherapy, osteopathy, and chiropractic care, which are crucial for musculoskeletal issues—a major cause of sick days.
  • Dental and Optical Cover: This can be added to help employees with the costs of routine check-ups, dental treatment, and prescription eyewear.

Policy Levers to Manage Cost

  • Excess: This is the amount an employee pays towards their claim each policy year. A higher excess (e.g., £250 or £500) will significantly lower the company's premium. It encourages employees to think about whether a claim is necessary.
  • Hospital List: Insurers group hospitals into tiers based on cost. Choosing a more restricted list that excludes the most expensive central London hospitals can reduce the premium.
  • Six-Week Option: This is a clever way to reduce costs. The policy will only pay for private treatment if the NHS waiting list for that treatment is longer than six weeks. If the NHS can treat the employee within six weeks, they use the NHS. This provides a safety net while keeping premiums down.

How is the Cost of Company Health Insurance Calculated?

Insurers consider several factors to determine your company's premium. Understanding these can help you structure a policy that fits your budget.

FactorImpact on PremiumExplanation
Average Age of EmployeesHighYounger employees are generally lower risk and have cheaper premiums. The average age of the group is a key determinant of the base price.
Number of EmployeesMediumThe more employees on the scheme, the lower the average price per person, as the insurer's risk is spread. Larger groups also get access to better underwriting like MHD.
Level of CoverHighThe more options you add (e.g., outpatient, mental health, therapies), the higher the cost. Core cover is the most affordable.
Excess LevelHighA higher excess means a lower premium. An excess of £250 can reduce the premium by 10-20% compared to a zero excess policy.
Location of BusinessMediumPremiums are typically higher in London and the South East, where private hospital costs are more expensive.
Industry TypeLowSome physically demanding or higher-risk industries (e.g., construction) may attract slightly higher premiums than office-based roles.
Underwriting TypeHighMedical History Disregarded (MHD) is the most expensive, while Moratorium (Mori) is usually the most cost-effective starting point.

The Tax Implications of Company Health Insurance

For a limited company, understanding the tax treatment of PMI is essential. It’s a three-part equation involving the company, the employee, and HMRC.

  1. For the Company: Corporation Tax Relief The premiums your company pays for employee health insurance are typically considered a legitimate business expense. This means you can deduct the full cost from your company's profits before calculating your Corporation Tax bill. This makes the net cost to the business lower than the headline premium price.

  2. For the Employee: A P11D Benefit in Kind Because the employee is receiving a personal benefit paid for by their employer, HMRC classes it as a 'Benefit in Kind' (BIK). The value of the premium is treated as additional income for the employee, and they must pay income tax on it at their marginal rate (20%, 40%, or 45%). The employer reports this to HMRC on a P11D form at the end of the tax year.

  3. For the Company: National Insurance Contributions The company must pay Class 1A National Insurance Contributions (NICs) on the total value of the benefit provided. The current rate for Class 1A NICs is 13.8% (as of the 2024/25 tax year).

Simplified Example:

  • Illustrative estimate: A limited company pays a £600 annual premium for an employee's health insurance.
  • Illustrative estimate: The company can treat this £600 as a business expense, reducing its taxable profit.
  • Illustrative estimate: The employee is a basic-rate (20%) taxpayer. They will pay income tax on the benefit: 20% of £600 = £120 for the year (or £10 per month).
  • Illustrative estimate: The company pays Class 1A NICs on the benefit: 13.8% of £600 = £82.80 for the year.

Even with the tax implications, providing health insurance is often far more cost-effective and tax-efficient than simply giving an employee a pay rise of the equivalent amount. A specialist PMI broker can provide guidance, but you should always confirm your company's tax position with your accountant.

Comparing the Best PMI Providers for UK Businesses

The UK market is home to several outstanding insurers, each with unique strengths. While the "best" provider depends entirely on your company's specific needs and budget, here is an overview of the main players.

ProviderKey Strengths & Focus Areas
AvivaOne of the UK's largest insurers. Known for its comprehensive 'Healthier Solutions' product, strong digital tools (including the Aviva DigiCare+ app), and excellent mental health pathways. Often praised for its clear policy documents.
AXA HealthA global health specialist with a strong focus on clinical expertise. Their 'Business Health' plan is highly flexible. They offer excellent support pathways and a 'Fast Track Appointments' service for musculoskeletal issues.
BupaPerhaps the most recognised name in UK health insurance. Bupa offers extensive cover through its 'Bupa By You' product and has a large network of its own hospitals and clinics. Known for its strong cancer cover and direct access services.
VitalityUnique in the market for its focus on rewarding healthy behaviour. Employees earn points for being active, which reduces their renewal premium and gives them access to rewards like cinema tickets and coffee. Excellent for companies wanting to build a proactive wellness culture.
WPAA not-for-profit insurer known for its exceptional customer service and flexible policies. They often offer unique benefits like shared responsibility, where the member co-pays a percentage of the claim, drastically reducing premiums.

Comparing these providers and their countless policy variations can be overwhelming. This is where using an independent PMI broker is invaluable.

The Role of a PMI Broker like WeCovr

An independent, FCA-authorised broker like WeCovr acts as your expert guide in the private medical insurance market. We work for you, not the insurance companies. Our role is to help you find the best possible cover at the most competitive price, with a service that comes at no cost to you.

Here's how we help:

  1. Understand Your Needs: We take the time to learn about your business, your employees, and your budget.
  2. Scan the Market: We use our expertise and industry relationships to compare policies from all the leading UK insurers. We analyse the small print to find the cover that truly matches your requirements.
  3. Provide Impartial Advice: We'll present you with a clear, easy-to-understand comparison of your best options, explaining the pros and cons of each. We demystify the jargon and help you choose the right level of cover, excess, and underwriting.
  4. Handle the Admin: Once you've chosen a policy, we handle all the paperwork to get your scheme set up smoothly.
  5. Ongoing Support: We are here to help for the life of your policy. At renewal, we will re-scan the market to ensure you are still on the best possible terms. If you need to make a claim, we can offer guidance.

With high customer satisfaction ratings and a commitment to transparent advice, WeCovr helps hundreds of UK limited companies make a smart investment in their team's health.

Promoting Employee Wellbeing Beyond Insurance

A PMI policy is a fantastic reactive tool, but the best insurers also provide proactive wellness benefits. Modern group health insurance is about keeping people healthy, not just treating them when they're sick.

Many policies now include, as standard:

  • Virtual GP Services: 24/7 access to a GP via phone or video call, allowing employees to get medical advice without leaving their desk.
  • Employee Assistance Programmes (EAPs): Confidential telephone support for a range of issues, from financial worries and legal questions to mental health and stress.
  • Health and Wellness Apps: Access to apps for mindfulness, fitness tracking, and nutrition advice.

WeCovr enhances this by providing all our health and life insurance clients with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. This helps your team take control of their diet and build healthier habits.

Furthermore, we believe in holistic protection. Clients who purchase PMI or life insurance through WeCovr are often eligible for discounts on other types of business or personal insurance, helping you protect your company and your life more affordably.

FAQs: Private Health Insurance for Limited Companies

Is company health insurance a taxable benefit in the UK?

Yes. For the employee, it is considered a 'Benefit in Kind' (BIK), and they will pay income tax on the value of the premium. For the employer, the premium is an allowable business expense, but the company must pay Class 1A National Insurance on the value of the benefit provided to the employee.

Does business health insurance cover pre-existing conditions?

Generally, no. Standard UK private medical insurance, whether for an individual or a group, is designed to cover new, acute conditions that arise after the policy begins. Most policies, particularly for smaller groups, will exclude pre-existing conditions. The main exception is for large corporate schemes with 'Medical History Disregarded' (MHD) underwriting, which can cover pre-existing conditions, but this is a much more expensive option.

Can I cover just the directors or do I have to cover all employees?

You have complete flexibility. You can set up a scheme to cover just the company directors, or senior management, or you can offer it to all employees. Many companies create different tiers of cover, providing a more comprehensive plan for senior staff and a core plan for other employees. A broker can help you structure this effectively.

What happens to an employee's health cover if they leave the company?

When an employee leaves the company, they will no longer be covered by the group scheme. However, most insurers will offer them the option to continue their cover on a personal basis without losing the underwriting terms they had. This is a valuable feature, as it means they can carry on being covered for conditions that arose while they were part of the group scheme.

Ready to Invest in Your Team's Health?

Providing private medical insurance is a clear signal that you are an employer who cares. It protects your business, attracts the best talent, and gives your team the peace of mind they deserve.

Navigating the market to find the perfect balance of cover and cost can be complex. Let WeCovr do the hard work for you. Our expert, impartial advice is free, and we're dedicated to finding a solution that's right for your limited company.

Contact WeCovr today for a free, no-obligation quote and find the best private medical insurance for your business.

Sources

  • Department for Transport (DfT): Road safety and transport statistics.
  • DVLA / DVSA: UK vehicle and driving regulatory guidance.
  • Association of British Insurers (ABI): Motor insurance market and claims publications.
  • Financial Conduct Authority (FCA): Insurance conduct and consumer information guidance.
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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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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Any questions?

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

Health insurance covers conditions that develop after your policy starts. Pre-existing conditions are typically not covered, and insurers may exclude related issues. Some policies may cover symptoms of pre-existing conditions under specific circumstances. Always review your policy's exclusions. Coverage for pre-existing medical conditions may be available if you currently hold a medical insurance policy or are transitioning from a company scheme. However, if you have never had medical insurance before or if your policy is not active at the moment, pre-existing conditions will not be covered. This limitation exists because health insurance is primarily intended to protect against unexpected health issues. To simplify, it's akin to getting into a car accident and then trying to obtain insurance coverage afterward to repair the vehicle — insurance companies typically do not cover such claims. Nevertheless, there is an option to gain coverage for pre-existing conditions after a two-year waiting period, subject to specific rules and conditions.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Sometimes treatments and drugs that are not covered by the NHS can be covered by Private Medical Insurance.

It's free to use WeCovr to find health insurance - we never charge you for quotes. Health or private medical insurance is an investment that can pay for itself the first time you might need medical treatment.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you would benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our revenue comes from commissions paid by the insurance providers when a policy is taken out through us. Essentially, when you choose to secure a policy from one of the providers we work with, they compensate us for facilitating the transaction. It's important to note that this commission does not impact the premium you pay. We remain committed to providing transparent and unbiased quotes to help you find the best insurance options tailored to your needs.

The cost of private health insurance depends on several factors, including your age, location, smoking status, and the type of policy you choose. Your health insurance policy is tailored to your needs, and the cost can vary based on the level of cover you require, such as the amount of excess and specific treatment allowances.

Private health insurance covers you for conditions that arise after your policy begins. You pay a monthly fee and can make claims for private healthcare covered by your policy. One of the main benefits of private healthcare is quicker access to treatment compared to the NHS, along with access to new drugs or specialist treatments.

Most health insurance covers private hospital stays and may include outpatient treatments like scans, tests, or appointments. Policies vary in coverage, and exclusions often include emergency treatment, maternity care, cosmetic surgery, and ongoing conditions present before the policy started.

Unfortunately, you cannot pay extra to have a pre-existing condition covered as part of your health insurance policy. However, you have access to support from a nurse or digital GP. If you have questions about what is covered under your policy, please contact us for clarification.

Your health insurance policy begins once you've selected your policy and set up your payment. After setup, you'll receive your cover documents detailing what is and isn't covered. It's important to review these details carefully as policies differ.

An excess is the amount you contribute towards treatment when you make a claim. Choosing a higher excess can reduce your policy's monthly cost but requires a larger contribution when claiming. WeCovr's experts will offer you flexible excess options depending on your preferences.

To reduce health insurance costs, consider choosing a higher excess, which lowers the monthly premium. However, ensure the plan still meets your needs. Other factors affecting cost include lifestyle choices like smoking and potential savings for couples or family plans.

There is no age limit for taking out health insurance, but age influences the policy's cost. The benefits of health insurance are consistent regardless of age. If you're considering health insurance, you can get a quote from WeCovr's experts regardless of your age.

Let WeCovr's experts do the legwork for you and compare health insurance plans at no cost to you to find the best fit for your needs. Consider individual, couple, or family plans and review coverage details thoroughly before choosing. WeCovr provides transparent information on coverage options for easy comparison.

Yes, you can add your partner (if you live at the same address) or dependents to your policy at any time. The cost of couple's or family health insurance depends on factors like location, age, health, and chosen excess. Contact WeCovr or your insurer for assistance in adding someone to your policy.

While WeCovr's private health insurance plans are tailored for the UK, we offer global health insurance options for those living or working abroad. For holiday coverage, travel insurance is recommended.

Comprehensive cover provides extensive benefits, including full outpatient services such as consultations, diagnostic tests, physiotherapy, and mental health therapies. Our team at WeCovr can assist in understanding the various coverage levels available.

Private health insurance typically does not cover dental treatment. However, WeCovr's experts can guide you to dental insurance policies offered by our partner insurers. Reach out to us to explore these options.

Yes, private health insurance covers cancer treatment from diagnosis through treatment. At WeCovr, we can help you navigate the cancer cover options that suit your needs.

At WeCovr, you have flexibility in adjusting your cover. Speak to our experts within 21 days of receiving your paperwork or at policy renewal to make changes.

Accessing a private GP appointment is fast and convenient with WeCovr's services, available through your digital platform provided under your chosen insurance plan.

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

WeCovr works with insurers offering a range of cover levels to accommodate different budgets and needs. Our experts can discuss these options with you.

Discovering healthcare facilities and specialists is easy with WeCovr's resources. Contact us for personalised assistance by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Fee-assured consultants provides transparency and no hidden costs for clients.

WeCovr prioritises mental health support with comprehensive coverage and access to specialist advice and services.

Children up to a certain age can be included in your policy, and we offer discounts for family coverage.

Like most health insurance plans, premiums may increase annually due to factors such as age and medical cost inflation.

The cost of health insurance varies based on several factors. Connect with our experts by tapping a button below and get your own personalised quote.

Private health insurance offers quicker access to consultations, treatments, and personalised care compared to the NHS.

Yes, WeCovr's experts can guide you which health insurance plans include coverage for physiotherapy treatments.

Immediate access to certain services like our digital GP app is available upon enrolment.

You can obtain a range of suitable quotes easily by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Health insurance covers new conditions that arise after the policy starts. Pre-existing conditions and certain exclusions may apply.

WeCovr's experts help you arrange health insurance that simplifies access to private healthcare services, including consultations and treatments.

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

Yes, you can use your health insurance cover immediately. You have access to a nurse through your helpline and can consult with a GP using the digital GP app. If you need to make a claim right away, we may require a medical report from your GP. Health insurance is designed to cover new conditions that arise after the policy has started.

No, health insurance does not cover A&E (Accident and Emergency) visits. Private hospitals do not typically have the facilities for handling A&E cases. In case of an emergency, please dial 999 or use the NHS emergency services. However, if you require follow-up treatment after an emergency situation, your private medical insurance may be able to assist.

Yes, many insurers offer rewards in leisure, wellbeing, and health. Speak to WeCovr's experts or visit your insurer's website for more details on member rewards.

You may continue your cover or get another own personal policy. If you continue your cover, existing or ongoing medical conditions might be covered depending on the level of cover you choose. Contact our friendly experts to discuss your options and find the right option for you.

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

Your cover may be similar but not identical. We will help you find the right level of cover that suits your needs, and ongoing medical conditions may be covered. Contact our friendly advisers to explore all available options.

No, the price won't be the same as before since employers often contribute to the cost of employee cover. Additionally, different cover levels and medical histories may affect the price. Contact WeCovr's experts for detailed information.

You have a few weeks or months from leaving your job to decide to continue with your insurer or change to another one. Your policy may start the day after you left your work policy, and our experts can guide you through other available options.

After leaving your job, contact WeCovr's experts with your leave date to discuss available options.

Yes, ongoing treatment may be covered on your new personal policy, although it could affect the price. Contact our experts for personalised advice on your options.

Details on paying excess fees will be provided when you contact your insurer for treatment authorisation.

No, there is no excess fee for utilising these services.

Excess adjustments can be made at specific intervals during your policy term.

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

Pre-existing conditions typically aren't covered but can be discussed with our healthcare specialists.

This involves health-related questions before policy enrolment to determine coverage.

Moratorium underwriting simplifies enrolment but may require health disclosures during claims.

Claims may require additional information if under moratorium underwriting.

Pre-existing conditions refer to medical issues existing before policy inception. A pre-existing condition is anything you've previously had medical treatment for, such as diabetes, heart disease, or asthma. Most insurance providers consider any condition you've had symptoms or treatment for in the past five years as pre-existing. Our experts at WeCovr can help you understand how pre-existing conditions affect your policy options.

While some insurance providers automatically renew your private healthcare cover, it's beneficial to compare policies when yours is about to end. This ensures you're still getting the best deal for the coverage you need. Our experts at WeCovr can assist you in finding the right policy for you.

Typically, you must be over 18 to take out your own policy, but minors can usually be included in a family policy. There may also be an upper age limit for private health insurance, and premiums typically increase with age. Our experts at WeCovr can provide guidance on age-related policy aspects.

Paying for health insurance annually often results in savings compared to monthly payments. However, this depends on your insurance provider. For help determining the most cost-effective option, consider consulting our experts at WeCovr.

If your employer offers private health insurance as part of your benefits package, you likely don't need additional cover. However, there may be limits on the cover you receive, and it may not extend to your entire family. Remember, any insurance you get through work only covers you while you're employed there.

If you don't have pre-existing conditions, a medical exam is usually not required. You'll just need to complete a medical history form and select your level of cover. However, if you're older, have a pre-existing condition, or lead an unhealthy lifestyle, a medical exam may be necessary. Our experts at WeCovr can clarify the requirements of different policies.

Many private health insurance providers now offer GP services, either digitally or face-to-face. This means you can often get a private GP appointment quickly, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer GP services.

With private health insurance, you can often secure a GP appointment much quicker than with traditional methods, sometimes even on the same day. Our experts at WeCovr can help you find policies that offer quick GP appointment services.

Inpatient care refers to any treatment requiring a stay in a hospital or clinic for at least one night. Outpatient care refers to treatments or tests that don't require hospital admission, such as minor diagnostic tests or physiotherapy sessions. Our experts at WeCovr can help you understand the different types of care and find a policy that suits your needs.

Private health insurance covers your medical treatment if you fall ill, while critical illness cover provides additional financial help if you develop one of the critical illnesses listed in the policy, such as covering loss of income if you're unable to work. For assistance in understanding the differences and finding the right coverage, consult our experts at WeCovr.

Health insurance policies are designed for cover in the UK. For cover abroad, consider travel insurance for short trips or international health insurance for longer stays or if you have a holiday home overseas. Our experts at WeCovr can guide you in finding the appropriate coverage for your travel needs.

If your employer provides health insurance, it's considered a 'benefit in kind' and is not tax deductible. Your employer should calculate the tax you owe for your health insurance premiums and deduct it from your pay. There are some exceptions for small companies. For more information on tax implications, consider reaching out to our experts at WeCovr.

When you purchase a policy, you choose how much excess you pay, which is your contribution to the cost of treatment if you make a claim. The higher your excess, the lower your premium is likely to be. Our experts at WeCovr can help you understand how excess works and choose the right level for you.

These are two methods of underwriting a health insurance policy, relating to how insurance providers consider your pre-existing medical conditions when you take out cover. For help understanding the differences and choosing the right option for you, consult our experts at WeCovr.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Every year you don't make a claim gives you an extra year of no-claims discount, potentially reducing your premium when you renew. Our experts at WeCovr can help you find policies that offer no-claims discounts.

To find the best health insurance for you, compare various policies to find one that offers the features you need at a price you can afford. Consider your personal circumstances and what you want from your policy. Our experts at WeCovr can assist you in evaluating your options and selecting the right coverage for you.

If you need treatment, a GP referral is not always necessary. However, this depends on how you plan to pay for your treatment. Most hospitals will allow you to book appointments with a consultant without a GP referral if you are paying out-of-pocket. If you have private medical insurance, you'll need to check the terms of your policy to see whether your insurer requires you to consult with a GP first (most insurers do). Some policies offer a direct booking system without a referral for certain conditions, such as counseling for mental health issues.

Yes, you can obtain financing for a loan to cover the cost of surgery. Many private healthcare companies have partnerships with finance companies to allow you to spread the cost of private treatment over time. You could also explore getting an ordinary loan from your bank if this option proves to be more cost-effective for you.

WeCovr has conducted extensive research into the cost of private health insurance in the UK. Click the link to find out more detailed information.

Yes, you can continue to receive treatment through the NHS even if you have private health insurance and have received private treatment in the past. This could be for rehabilitation after private surgery or for treatment that is not covered by your health insurance policy. For example, some cosmetic surgeries may be available through the NHS but are generally not covered by private medical insurance.

This is a difficult question to answer definitively. There are certain services that cannot be obtained privately, such as emergency treatment at an Accident and Emergency (A&E) department. Many NHS consultants also practice privately, so you could potentially see the same consultant regardless of whether you choose private or public healthcare. However, private healthcare typically offers shorter waiting times, guaranteed private rooms, and more relaxed visiting hours. Additionally, you may have access to treatments and drugs that are not routinely available through the NHS.

Yes, you can self-refer to a private specialist without the need for a GP referral. However, the British Medical Association believes that in most cases, it is best practice to start with your GP, as they are familiar with your medical history.

Yes, if you have a health concern and pay for private tests and scans but cannot afford to have private surgery, you should be able to have your test results transferred to an NHS provider for treatment.

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