👉 Don't delay taking out private health insurance. Get a free consultation to get great affordable cover today!

✅   FREE consultations by our experienced advisers
✅   All the searching and paperwork done for you
✅   Top-notch affordable private health cover and more
✅  Avoid lengthy NHS waiting lists and get back on your feet quicker
✅  Underwritten by UK's leading insurers

Our insurance providers include these major global insurance groups and more:

AIGZurichBUPAAvivaAxaVitalityExeterLegal&GeneralARAGAllianzScottish WidowsMetlifeHSBCGuardianRoyal London

Comprehensive Private Health Insurance Solutions for High-Net-Worth Individuals

Are you an affluent individual in search of a comprehensive private health insurance policy to protect your standard of living? At WeCovr, a customer-centric insurance broking firm, we understand that your financial resources grant you access to top-tier health services. Our seasoned brokers are committed to assisting you in navigating the complexities of private health insurance and securing a bespoke policy that caters to your unique requirements.

Exploring the Value: Why Opting for a New Insurance Policy Makes Sense

Even if you currently possess health insurance, there are compelling reasons to explore alternative options. As your circumstances evolve, your coverage needs may change, and you might discover superior options elsewhere. Here are three scenarios where reviewing your insurance might be judicious:
  • Transitioning from a Company Scheme: If you currently benefit from a company health insurance policy, leaving your current job or retiring could mean losing those benefits. Group health insurance plans are typically available only to businesses and offer advantages like medical history disregarded underwriting, which is one of the more expensive underwriting options. It’s unlikely that you’ll be able to retain your existing insurance, and even if you could, the premiums might be prohibitively high for an individual.
  • Long-Term Relationship with Your Insurer: If you already have individual health insurance, you may be content with the service provided by your insurance company. However, as you age, your premiums will rise, and even affluent individuals may start feeling the impact. Reviewing your health insurance allows you to explore alternatives and potentially find coverage with similar benefits and services at a lower cost.
  • No Previous Private Health Insurance: If you’ve always relied on the NHS for your healthcare, you might now be concerned about longer waiting lists. In such a situation, you may consider using your financial resources to access private healthcare for yourself and your family. Our brokers can assist you in navigating the process of finding suitable coverage.

Factors Influencing Health Insurance Costs

If you’re new to individual health insurance, you might wonder what influences the cost of your premiums. While each insurance company has its unique approach, here are some common factors they take into account:
  • Personal Circumstances:
    • Age: As you age, the risk of health issues increases, leading to higher premium costs.
    • Location: Where you reside can impact the cost, although some insurers’ quotes aren’t tied to specific postcodes.
    • Claims History: Insurers examine your claims history if you already have health insurance. If not, they may review your medical history based on the chosen underwriting approach.
  • Insurance Options:
    • Coverage Selection: Different health insurance policies offer varying benefits and services, allowing customisation to your specific needs. Your coverage choices directly influence the insurance cost.
    • Payment Frequency: You can opt to pay premiums monthly, quarterly, or annually. Insurers often provide discounts to customers who pay annually.
    • Family Coverage: Including your family in your policy grants them access to private healthcare benefits. Some insurers offer discounts for couples or families, while others include children at no extra cost.

Maximising Health Insurance Benefits

As a financially well-off individual, you have the advantage of investing in more comprehensive health coverage and a wider range of services. Here are some strategies to leverage your wealth and enhance your insurance coverage.
  • Choose Unlimited Access to Consultants: A key benefit of health insurance is the ability to select your consultant and receive prompt care. However, unlimited access to private doctors in the UK isn’t always guaranteed; you often need to request it explicitly.
  • Introduction of “Guided Consultants”: In recent years, leading providers like Aviva, Axa, Bupa, The Exeter, and Vitality have introduced what they collectively refer to as “guided consultants.” Despite varying names, these consultants operate similarly. Essentially, you agree to access a smaller pool of pre-approved doctors in exchange for a premium reduction (usually around 20%).
  • Balancing Budget and Choice: Guided consultants are a viable option for budget-conscious individuals or older policyholders facing high premiums. However, this compromise comes at the expense of one of health insurance’s primary benefits: choice. If your budget allows, we recommend opting for unlimited access to consultants. This ensures you can see any specialist in the UK promptly, which may not always be the case with guided consultants.
  • Expanding Your Hospital Options: Each insurer maintains a standard list of hospitals where you can receive treatment. Some providers, such as WPA and The Exeter, offer an extensive hospital network. Others restrict treatments to their private hospitals and clinics. If you reside in a major city like London or Manchester, your local hospitals may be part of your insurer’s premium list, often featuring HCA hospitals known for their central locations and higher costs. it might be worth paying more if your local hospital is on a premium list, allowing you convenient access to it.
  • Opt for Unlimited Outpatient Coverage: Outpatient coverage provides access to initial specialist consultations, diagnostic tests, and rehabilitation services, including outpatient physiotherapy. It also allows private healthcare access for non-urgent issues, bypassing long NHS wait times.
  • Consider a Community-Rated Plan: Consider a community-rated plan, which doesn’t factor individual claims into premium calculations, benefiting affluent individuals with higher claim frequencies due to age or pre-existing conditions.

Underwriting Options

When transitioning from a group contract to an individual one, the underwriting options change. Group insurance policies typically use a medical history disregarded basis, which doesn’t consider individual medical histories. However, individual health insurance policies cover only conditions that arise after the policy is taken out and exclude pre-existing conditions. You’ll need to choose between two types of underwriting for your individual contract:
  • Moratorium Underwriting: With this option, pre-existing conditions are not covered initially. However, after a specified waiting period (usually two to five years), coverage may be extended to those conditions if you remain symptom-free during that time.
  • Full Medical History Underwriting: This option considers your complete medical history. It provides more comprehensive coverage but may come with higher premiums.
At WeCovr, as a dedicated insurance intermediary, we collaborate with a diverse group of insurers to ensure that our esteemed clients have access to the most comprehensive and tailored coverage options available in the UK. Our commitment lies in providing personalised solutions that meet the unique needs of each individual, and we take pride in our extensive network of insurance providers.

Top Recommendations for Affluent Individuals in the UK

Let’s delve into our top five recommendations for affluent individuals in the UK, considering their specific requirements and preferences:
  • The Exeter: The Exeter distinguishes itself by offering flexible health plans that empower policyholders to customise their coverage. Whether you prioritise specific treatments, services, or wellness programs, The Exeter allows you to tailor your insurance to your unique needs. What sets them apart is their innovative approach to premium calculations. Unlike most insurers, The Exeter gives you a choice between two pricing models: Traditional No-Claim Discount and Community-Rated Scheme. Additionally, The Exeter is the only insurer that provides access to guided consultants, allowing you to seek expert advice when making healthcare decisions. Their commitment to flexibility extends to their benefits and discounts. As a policyholder, you’ll enjoy various perks, and if you wish to add your partner and children to your policy, you’ll receive discounts on premiums.
  • Vitality: Vitality distinguishes itself among health insurers by its unwavering commitment to promoting a healthy lifestyle among its valued customers. If you lead an active life and can substantiate it, you’ll reap the rewards in the form of discounts on your premiums. But that’s not all—Vitality goes the extra mile by offering a range of discounts and benefits designed to support your overall well-being. Hospitalisation Coverage, Online GP Appointments, and 24/7 Medical Helpline are just a few of the perks you can expect with a Vitality policy.
  • Bupa: Bupa’s flagship health insurance policy offers comprehensive coverage, making it an excellent choice for those seeking robust protection. Direct Access Service, Comprehensive Cancer Care Benefits, Superb Outpatient Cover, and Inclusion of Mental Health Care are some of the features that set Bupa apart. Moreover, Bupa doesn’t impose an upper age limit, allowing individuals up to 70 and 80 years old to secure insurance.
  • Aviva: Aviva is a well-established insurance provider that offers comprehensive private health insurance policies. Their health insurance plans are designed to be flexible, allowing you to tailor your coverage to your specific needs. Aviva's private health insurance includes a range of benefits such as prompt access to specialists, diagnostic tests, and treatments. One standout feature of Aviva's health insurance is their 'MyHealthCounts' programme, which rewards policyholders for maintaining a healthy lifestyle. Additionally, Aviva offers a range of optional extras, such as mental health cover and global treatment options, enabling you to further customise your policy.
  • AXA Health: AXA Health is another leading insurance provider in the UK, offering a range of private health insurance policies designed to cater to various needs. Their flagship health insurance product, 'Personal Health,' provides comprehensive cover, including in-patient and day-patient treatment, out-patient surgery, and full cancer cover. AXA Health also offers a range of additional benefits, such as access to their 24/7 online GP service, 'Doctor@Hand,' and their 'Heart and Cancer Pledge,' which promises to cover eligible heart and cancer treatment, even if it's not covered by your policy. Furthermore, AXA Health's 'Health@Hand' service provides policyholders with access to a team of nurses, midwives, counsellors, and pharmacists, available 24/7 for professional advice and support.

WeCovr’s Expert Guidance

At WeCovr, we understand that health insurance decisions can be overwhelming. Our experienced brokers:
  • Personalised Approach: We take the time to understand your unique circumstances, including personal preferences and financial situation.
  • Market Insights: With in-depth knowledge of the insurance market, we analyse available policies.
  • Value for Money: Our goal is to identify the policy that offers the best value for your specific needs.
Beyond Selection, our services extend to Application Assistance and Ongoing Support. As your needs evolve, we’re here to review and adjust your coverage accordingly.

Reasons to Review Your Health Insurance Policy

  • Nearing Retirement: If you’re approaching retirement, it’s prudent to review your health insurance. Consider the following scenarios:
    • Leaving a Company Scheme: When leaving your job, you transition from a company scheme to an individual contract. Unfortunately, the same benefits you enjoyed under the group policy won’t automatically transfer. Reviewing your insurance ensures you maintain adequate coverage.
    • Long-Term Insurer Relationship: If you’ve been with the same insurer for years, it’s essential to assess whether your current policy still aligns with your needs. Insurance requirements change over time, and your policy should adapt accordingly.
    • Renewal Time: Regularly reviewing your insurance during renewal offers several advantages, including Cost Optimisation and Access to New Options.
  • Health Coverage Upon Retirement:
    • Employer Group Policies: Most employers provide group insurance policies for their employees. These policies often offer terms and benefits that individual policies lack.
    • Limitations Post-Retirement: Unfortunately, you cannot retain your existing group coverage upon retirement due to Cost Considerations. Individual Policies offer flexibility but require Coverage Adjustments.
  • Maximising Health Insurance Benefits: Budget Expansion allows you to enhance your health coverage through strategies like Unlimited Outpatient Cover and Consultant Access.
  • Additional Services with Health Insurance: Beyond the core benefits, insurers offer supplementary services such as 24/7 Medical Helpline, Online GP Appointments, and Retail Discounts.
Remember that each individual’s situation is unique, so personalised advice is essential. At WeCovr, our experienced brokers guide you through this complex landscape, ensuring you make informed decisions tailored to your specific circumstances.

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

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!

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

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
Our experienced FCA-authorised insurance partner experts are ready to provide you with a FREE Consultation.

👍 Simply get your affordable private medical health insurance plan in place for the necessary peace of mind! Just tap or click the button below to book a FREE call now! 👇

Compare private medical health insurance plans suitable for your circumstances from these insurers and more

PMI Insurers

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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.

Learn more about private health insurance


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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.