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Review: Martin Lewis' In-depth Guide to Private Health Insurance in the UK

Martin Lewis, the renowned financial expert and consumer champion, has provided invaluable insights on private health insurance in the UK. Through his website MoneySavingExpert.com, TV shows like 'The Martin Lewis Money Show', numerous media appearances, and best-selling books, Lewis has offered essential guidance to those considering private health insurance.
As healthcare costs continue to rise and NHS treatment wait times remain a concern, more and more individuals are exploring private health insurance options. This comprehensive guide, tailored for WeCovr, will help you navigate the complex world of medical insurance and make informed decisions about your healthcare needs.

About Martin Lewis

Most UK households are familiar with Martin Lewis, primarily from his ITV finance show, 'The Martin Lewis Money Show', co-hosted with Angellica Bell. Lewis is also a regular guest on other ITV programs like This Morning and Good Morning Britain, where he discusses various financial topics including mortgages and insurance such as this episode where he explains the key features of life insurance:
Martin Lewis is a renowned financial journalist and campaigner who has been dedicated to supporting consumers for over two decades. One of his most notable achievements was his successful campaign against the mis-selling of Payment Protection Insurance (PPI).
Through his work, Lewis has established himself as a trusted source of financial information and advice for consumers. In 2008, he founded the MSE Charity, which provides funding to UK-based non-profit organisations that offer financial education.
In addition to his charitable work, Lewis is also the founder and executive chair of the Money and Mental Health Policy Institute, which aims to break the link between financial difficulties and mental health problems.
Lewis' contributions to consumer rights and charitable causes were recognised in 2014 when he was awarded an OBE. In 2022, he announced that he had received a letter informing him that his OBE had been upgraded to a CBE. This upgrade was officially confirmed in recognition of his services to consumer rights and broadcasting.
Martin Lewis Announcing CBE
Martin Lewis Announcing CBE

What Does Martin Lewis Say About Private Health Insurance?

According to Lewis, private health insurance is a "lifestyle choice, and it ain't cheap." He emphasises that while the NHS provides comprehensive care, some individuals may prefer the additional peace of mind and quicker access to treatment that private insurance offers.
The assessment of private health insurance on the The Martin Lewis private health insurance review on MoneySavingExpert.com is not as critical as some of his other evaluations of insurance products.
"The NHS provides comprehensive treatment to anyone, regardless of their ability to pay. Yet if you want to opt for private care, it can be costly, so that's where health insurance comes in. It covers planned consultations, treatments and operations – be it hips, cataracts or ears."
It's important to make sure that you do your research whenever you're thinking about any major financial decision, and especially one that impacts your family. Private health insurance plans can be confusing because of the number of options and different levels of cover that are available.
Lewis acknowledges that private health insurance can be expensive, especially for older individuals or those with pre-existing conditions. However, he also recognises the potential value it can provide in terms of faster access to specialists, private hospitals, and advanced treatments that may not be readily available on the NHS.

Understanding What Private Health Insurance Covers

One of the most crucial aspects of Lewis' advice is clarifying what private health insurance does and does not cover. He emphasises that these policies primarily cover acute conditions, which are diseases or injuries that can be treated or cured. Examples include:
  • Cancer
  • Heart attack
  • Stroke
  • Musculoskeletal problems (e.g., back, neck, or joint pain)
  • Some mental health conditions
However, chronic conditions, which are lifelong and have no known cure, are generally not fully covered by private health insurance. These include:
  • Diabetes
  • Asthma
  • Epilepsy
  • Certain mental illnesses
  • Multiple Sclerosis
"Health insurance is designed to cover you for non-routine tests and treatment for acute conditions. These are those that are serious but curable and usually short-lived, which start after your policy begins.
Therefore many chronic conditions (often incurable, long-term issues such as arthritis or asthma), as well as those that exist before you take out a policy, are excluded as standard."
Lewis emphasises that private health insurance is intended to complement, not replace, NHS services. It can provide quicker diagnosis, access to private hospitals and specialists, and additional support for conditions like cancer or musculoskeletal issues. However, the NHS will still be responsible for the majority of care for chronic conditions.

Should You Get Private Health Insurance? Martin Lewis' Advice

Deciding whether to invest in private health insurance is a personal decision that depends on various factors. Lewis suggests asking yourself three key questions:
  • Are you comfortable with NHS care? For most people, the NHS provides adequate treatment, but some may prefer the additional peace of mind and potential quicker access to care that private insurance offers.
  • Would you consider self-insuring? For less serious conditions, you could opt to pay for private treatment out-of-pocket. However, Lewis warns that more invasive treatments can be extremely expensive, potentially costing tens of thousands of pounds.
  • Are you covered by your employer? Some employers offer private health insurance as a benefit, which can be more affordable than a personal policy. However, Lewis cautions that this coverage may be inflexible and tied to your employment.
"Check if you're already covered by your employer... There is a 'but' though... If you need treatment, claim, and then later decide to leave your employer, will you be able to continue your membership with the healthcare firm on the same terms? If not, you may then be stuck without being able to get a new insurer to cover an existing condition (or need to pay huge premiums every month to keep it covered)."
Lewis emphasises that private health insurance is not a one-size-fits-all solution. It's crucial to assess your personal circumstances, healthcare needs, and financial situation before making a decision.

The Rise of Private Health Insurance in the UK

While the NHS remains a cornerstone of the British healthcare system, private health insurance has seen a surge in popularity in recent years. According to the Association of British Insurers (ABI), the number of individuals covered by private medical insurance policies in the UK reached 5.8 million in 2022, the highest number we've seen since 2008. And payouts for health insurance claims also hit a record high, reaching almost £3 billion overall.
This growth can be attributed to several factors, including:
  • Longer NHS waiting times: As the NHS grapples with increased demand and resource constraints, wait times for non-emergency procedures and specialist appointments have lengthened, prompting some individuals to seek private alternatives.
  • Access to cutting-edge treatments: Private healthcare providers often have access to the latest medical technologies and treatments, which may not be immediately available on the NHS due to funding constraints or approval processes.
  • Increased health consciousness: With greater awareness of preventative care and early intervention, some individuals opt for private health insurance to gain quicker access to diagnostic tests and screenings.
  • Employer-sponsored plans: Many companies, particularly in competitive industries, offer private health insurance as part of their employee benefits package to attract and retain top talent.
While private health insurance may not be a viable option for all Britons, its growing popularity highlights the desire for alternatives and complementary services to the NHS.

Martin Lewis' "Need-to-Knows" for Private Health Insurance

In his review, Lewis highlights several important points to consider when evaluating private health insurance options:
  • Flexibility and tailoring: Private health insurance can be tailored to your needs by adding or removing benefits, adjusting coverage limits, and choosing different excess levels.
  • Higher excess reduces premiums: Opting for a higher excess (the amount you pay upfront for claims) can lower your monthly premiums, but you'll need to pay more if you make a claim.
  • Exclusions and limits: Most policies exclude pre-existing conditions and have other limitations, so it's crucial to review the terms and conditions carefully.
  • Claims processes: Each insurer has its own claims process, which must be followed for a valid claim. Failure to do so could result in rejected claims.
  • Full medical or moratorium: When applying for health insurance, you can choose between providing your full medical history upfront, which means you'll know what's covered or excluded, and moratorium underwriting: no health questionnaire is required, and it's usually cheaper and quicker to obtain. However, if you need to claim within the first two years, you'll often need to prove you haven't had the condition before, which could slow down the process.
  • Switching providers: While switching insurers can sometimes save money, be cautious if you've had recent treatment, as your new policy may exclude ongoing conditions.

Tailoring Your Private Health Insurance Coverage

One of the key advantages of private health insurance, according to Lewis, is the ability to tailor your coverage to your specific needs and budget. Many insurers offer a range of optional benefits and coverage levels, allowing you to customise your policy.
Some common optional benefits include:
  • Outpatient cover: Covers the cost of diagnostic tests, consultations, and treatments that don't require an overnight hospital stay.
  • Therapies: Covers the cost of physiotherapy, chiropractic treatment, and other therapies for musculoskeletal issues.
  • Dental and optical cover: Covers the cost of routine dental and vision care, as well as more extensive treatments like orthodontics or laser eye surgery.
  • Mental health cover: Covers the cost of therapy, counseling, and inpatient treatment for mental health conditions like depression or anxiety.
  • Travel insurance: Provides medical coverage while traveling abroad.
By selecting the appropriate optional benefits, you can ensure that your private health insurance policy aligns with your healthcare needs and priorities.
In addition to optional benefits, many insurers offer different levels of coverage, ranging from basic plans to comprehensive policies with higher annual limits and fewer exclusions. By working with a knowledgeable insurance broker or advisor, you can navigate these options and find the right balance between coverage and affordability.

The Role of Excess in Private Health Insurance

Another key consideration when evaluating private health insurance policies is the excess, or the amount you'll need to pay out-of-pocket before your insurance coverage kicks in. Lewis emphasises that choosing a higher excess can significantly reduce your monthly premiums, but it also means you'll need to pay more if you make a claim.
Most insurers offer a range of excess options, typically starting at around £100 and going up to £5,000 or more. The higher the excess, the lower your monthly premiums will be. However, it's important to balance the potential savings against your ability to cover the excess amount should you need to make a claim.
"One strategy some consider is to combine a policy with a high excess (£1,000+) with self-insuring – where you put cash in savings to use for basic private treatments but also have the ability to claim for expensive treatment."
Lewis also highlights an important distinction between two types of excess: "excess per claim" and "excess per year." With an excess per claim, you'll only pay the excess amount once for each separate condition or illness, regardless of how long the treatment lasts. With an excess per year, you'll pay the excess amount for each policy year in which you make a claim, even if the treatment spans multiple years.
Additionally, some insurers offer a "shared responsibility" option, where you pay a percentage of the claim cost rather than a fixed excess amount. This option can be beneficial for those seeking a balance between predictable out-of-pocket costs and premium savings.

Pre-Existing Conditions and Underwriting Methods

One of the most significant challenges when obtaining private health insurance is dealing with pre-existing medical conditions. Most policies exclude coverage for conditions that existed before the policy's start date, and insurers often require applicants to disclose their full medical history during the underwriting process.
Lewis emphasises the importance of understanding the different underwriting methods used by insurers:
  • Moratorium underwriting: This is the quickest and easiest method, as it doesn't require any medical questions or evidence. However, it excludes any conditions for which you've received treatment or experienced symptoms in the past few years (typically three to five years) before applying.
  • Full medical underwriting: This method involves completing a detailed medical questionnaire and potentially providing medical records or undergoing examinations. It can be more beneficial for those with chronic or pre-existing conditions, as any exclusions will be factored into the pricing, potentially resulting in more affordable premiums.
It's worth speaking to a health insurance expert if you need more information about this and to understand what the most suitable option for you might be.

Switching Private Health Insurance Providers

As with many insurance products, Lewis recommends periodically reviewing your private health insurance policy and shopping around for better deals or more comprehensive coverage. Many insurers offer incentives or discounts for new customers switching from another provider, such as a "switch and save" discount.
However, Lewis cautions that switching providers can be more complex if you've recently received treatment or have an ongoing condition. Your new policy may exclude coverage for pre-existing conditions or ongoing treatment, effectively nullifying any benefits you had with your previous insurer.
If you've had treatment with your previous cover and this is still ongoing, then this is likely to be excluded and you might lose some of that benefit. If you have a condition that is within the terms of your existing cover, then you could be locked into that policy.
To avoid any disruptions in care or loss of coverage, Lewis advises carefully reviewing the terms and conditions of any new policy before making a switch, and consulting with a knowledgeable insurance broker or advisor if necessary.

Seeking Expert Advice and Comparing Providers

The Martin Lewis private health insurance guide mentions using price comparison sites to potentially save hundreds of pounds, but only "if you know what you want (and don't need advice)".
However, not everyone would necessarily agree that this is the best approach for everyone, as lack of advice could result in choosing the wrong cover or selecting a cheaper policy that may not provide adequate protection.
It's also important to note the financial connection between MoneySuperMarket.com and MoneySavingExpert, which are essentially part of the same company.
Therefore, it's worth exploring other options to ensure that you're getting the best policy and the most affordable private health insurance for your needs.
Exercise caution when using comparison websites for private health insurance, especially if you are unfamiliar with the different options available. It's important to carefully consider your choices to ensure you find the right policy for your needs.
Lewis also emphasises the value of working with a qualified insurance broker or advisor who can guide you through the process, compare policies from multiple providers, and help you find the best coverage for your needs and budget.
At WeCovr, our qualified health insurance experts can guide you through the entire process, from assessing your healthcare needs to comparing prices from our extensive panel of providers.
Our experts do not charge you any fees and will work closely with you to ensure you understand the various policy options, coverage levels, and potential exclusions, helping you make an informed decision that aligns with your lifestyle, budget, and healthcare priorities.
In addition to our expert guidance, it is worth to consider providers that offer incentives or rewards programs to offset the cost of private health insurance. For example, Vitality, a well-known provider in the UK, offers discounts and rewards for individuals who engage in regular exercise and maintain a healthy lifestyle.

Complaints and Consumer Protection

Despite the best efforts of insurers and advisors, disputes or issues may arise with private health insurance policies. In such cases, Lewis emphasises the importance of following the proper complaints procedures and understanding your rights as a consumer.
Each insurance provider is required by regulation to have a comprehensive complaints process in place. If you have an issue with claims procedures, policy changes, unfair charges, or any other aspect of your coverage, you should first contact your insurer directly and give them an opportunity to resolve the matter.
If you're unsatisfied with the insurer's response or believe you've suffered financial loss due to their actions, you can escalate your complaint to the Financial Ombudsman Service (FOS). The FOS is an impartial and free service that can investigate disputes between financial services providers and their customers, potentially ruling in favor of compensation if appropriate.
"It's always worth trying to call your provider first, but, if not, then you can use free complaints tool Resolver."
By understanding your rights and following the proper channels, you can ensure that any concerns or disputes with your private health insurance provider are addressed fairly and in accordance with consumer protection regulations.

The Future of Private Health Insurance in the UK

As the demand for private healthcare services continues to grow, the private health insurance industry in the UK is likely to evolve to meet changing consumer needs and expectations. Emerging trends and potential developments include:
  • Increased integration with digital health technologies: Many insurers are exploring ways to incorporate wearable devices, telemedicine, and other digital health solutions into their policies and services, potentially improving access to care and preventative healthcare.
  • Personalised and data-driven policies: With the advent of big data and advanced analytics, insurers may be able to offer more personalised policies tailored to individual risk profiles, lifestyle factors, and healthcare needs.
  • Expanded coverage for mental health: Recognising the importance of mental well-being, some insurers are already offering more comprehensive coverage for mental health services, and this trend is expected to continue.
  • Partnerships and collaboration: To better serve their customers, private health insurance providers may seek partnerships with healthcare providers, technology companies, and other stakeholders in the healthcare ecosystem.
  • Regulatory changes: As the healthcare landscape evolves, regulatory bodies may introduce new rules or guidelines that could impact the structure, pricing, and offerings of private health insurance policies.
While the future of private health insurance in the UK remains uncertain, one thing is clear: Martin Lewis' guidance and expertise will continue to be invaluable for consumers navigating this complex and ever-changing landscape.

Key Takeaways and Final Thoughts

Martin Lewis' comprehensive advice on private health insurance in the UK serves as a valuable resource for individuals seeking to understand their options and make informed decisions about their healthcare needs. From clarifying what private insurance covers to highlighting the importance of tailoring policies and seeking expert guidance, Lewis's insights provide a solid foundation for navigating the world of medical insurance.
By following Lewis's recommendations, such as carefully reviewing policy terms, understanding underwriting methods, and considering the role of excess and optional benefits, consumers can ensure that their private health insurance coverage aligns with their unique circumstances and provides the protection they need.
Additionally, Lewis's emphasis on seeking expert advice and comparing providers underscores the value of working with knowledgeable professionals like the experts at WeCovr. Our qualified health insurance experts are ready to provide a free no-obligation advice and assist you in making an informed decision when choosing your private health insurance.
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Why get private health insurance?

Health insurance allows you get back on your feet quicker:


✅ Avoid long NHS waiting lists of many weeks and get treated faster with private medical insurance, which can be really important for a successful recovery
✅ Get early diagnosis so you can get the treatment you need right away done privately
✅ Business owners can save on their tax bill with private medical insurance
✅ You are free to choose your surgeon or hospital to suit your needs by place and time
✅ You often get a private room with better facilities for your treatment or surgery
✅ With private medical health insurance you gain access to advanced treatments not available on the NHS

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Benefits offered by private health insurance

Private medical health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You just pay an affordable monthly premium that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

Our mission is to put you in touch with not only the best, but the most suitable private medical health insurance companies. With even more risk on the rise for personal health today, it makes more sense than ever to have private medical health insurance cover.

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

Important Fact!

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Why increasing numbers of individuals and families opt for PMI insurance

👉 We insure our cars, houses, bicycles and even bags! Yet our health is one the most precious things we have.

People buy life, critical illness and private medical health insurance for a variety of reasons – easily one of the most important insurance purchases an individual or family can make in their lifetime. PMI insurance is still seen as a luxury in the UK. Indeed, only around 11% of the population has private medical insurance. However, an increasing number of people are taking out private medical insurance due to a number of reasons:
  • Avoid NHS waiting lists and be treated more quickly
  • Faster diagnosis (comprehensive cover)
  • More access to latest cancer drugs and treatments, some of which may be unavailable on the NHS
  • Greater choice over where and when your treatment takes place
  • Have a private room should you need treatment in hospital
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Any questions?

Do I need Private Medical Insurance if I have Life Insurance?

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.

Are Pre-existing Medical Conditions Covered?

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.

Why Do I Need Private Medical Insurance?

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.

How Much Does It Really Cost?

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.

Isn't NHS Treatment and Coverage Enough?

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.

Why Do I Need to Speak to Someone?

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.

Are Your Insurance Partners Trustworthy?

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!

How Do You Make Money If the Quotes Are Free to Get?

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.

How Much Is Private Health Insurance?

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.

How Does Private Health Insurance Work?

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.

What Does Health Insurance Cover?

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.

Can I Pay Extra to Have a Pre-existing Condition Covered?

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.

When Will My Health Insurance Policy Start?

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.

Will I Need an Excess on My Private Health Insurance Policy?

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.

How Can I Reduce the Cost of Health Insurance?

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.

Is There an Age Limit for Private Medical Insurance?

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.

How Can I Compare Health Insurance Plans?

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.

Can I Add Other People Onto My Health Insurance Policy?

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.

Can I Use Health Insurance Abroad?

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.

What is Comprehensive Cover?

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.

Does Health Insurance Cover Dental Treatment?

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.

Does Health Insurance Cover Cancer?

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.

Can I Change My Cover Once I Have Signed Up?

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.

How Quickly Can I Get an Appointment with a Private GP?

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

Can Each Person on My Policy Have Different Options of Cover?

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

Are There Different Levels of Cover?

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

Where Can I Find Out More About Hospitals or Treatment Providers?

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.

What Does Fee Assured Mean?

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

Does Health Insurance Cover Mental Health?

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

Can I Cover My Children as Well?

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

Will the Cost Go Up Every Year?

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

How Much Does Health Insurance Cost?

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.

What's the Difference Between Health Insurance and NHS?

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

Does Health Insurance Cover Physiotherapy?

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

Can I Use My Cover Straight Away?

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

How Can I Get a Quote?

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.

What Does Health Insurance Cover and What Can't It Cover?

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

How Does Health Insurance Work?

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

What is Outpatient Cover?

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

Can I Use My Health Insurance Cover Immediately?

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.

Does Health Insurance Cover A&E (Accident and Emergency)?

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.

Are There Any Rewards for Being a PMI Plan Holder?

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.

I'm Leaving My Job and Have Health Insurance with Them, What Do I Do?

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.

How Do I Get a Quote After I've Left My Job?

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.

If I Continue My Health Insurance After I've Left My Job, Will My New Cover Be the Same as Before?

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.

If I Continue My Health Insurance After I Left My Job, Will the Price for My New Cover Be the Same?

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.

How Long Do I Have After Leaving My Job to Decide to Stay with My Insurer?

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.

What Do I Need Before Asking About Continuing My Cover After I've Left My Job?

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

I've Ongoing Treatment But I'm Leaving My Work Health Insurance Policy, Can I Still Have Treatment?

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.

When And How Do I Pay My Excess?

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

Do I Pay an Excess for Using Services Like Digital GP?

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

Can I Change My Excess Partway Through the Year?

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

What is a No Claims Discount?

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

Can I Pay Extra to Have a Pre-existing Condition Covered?

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

What is Full Medical Underwriting?

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

What is Moratorium Underwriting?

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

Will My Claim Take Longer If I Have Moratorium Underwriting?

Claims may require additional information if under moratorium underwriting.

What is a Pre-existing Condition?

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.

Is An Annual Review Of My Health Insurance Necessary?

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.

Are There Age Restrictions For Health Insurance?

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.

Is It More Cost-Effective To Pay For Health Insurance Monthly Or Annually?

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.

Do I Need Private Health Insurance If My Employer Provides Coverage?

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.

Is A Medical Exam Required To Get Coverage?

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.

Do I Need A GP Referral To Go Private?

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.

How Much Quicker Can I Get A GP Appointment With Private Medical Insurance?

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.

What's The Difference Between Inpatient And Outpatient Care?

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.

What's The Difference Between Health Insurance And Critical Illness Cover?

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.

Will My Policy Cover Me Outside Of The UK?

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.

How Are Health Insurance Premiums Taxed? Are They Tax Deductible?

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.

How Does The Excess Work?

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.

What Is The Difference Between Full Medical And Moratorium Underwriting?

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.

Can I Get A No-Claims Discount On My Private Health Insurance?

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.

How Can I Find The Best UK Private Health Insurance For Me?

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.

Do I Need a GP Referral for Private Medical Treatment?

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.

Can I Get Finance for a Loan for Surgery?

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.

How Much Does Private Medical Insurance Cost in the UK?

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

Can I Go Private and Then Return to the NHS?

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.

Is Private Healthcare Better than the NHS?

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.

Can I Self-Refer to a Private Consultant?

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.

Will the NHS Accept a Private Diagnosis?

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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The guidance contained within the website is subject to the UK regulatory regime and is therefore targeted at customers in the UK. A FCA regulated expert will contact you after you submit your details to discuss further. WeCovr is a trading style of Political And Credit Risks Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 735613.