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Private health insurance can be a significant investment, offering access to expedited healthcare services and specialized treatments. However, determining whether it's worth the cost involves careful consideration of various factors. This guide explores the circumstances under which private health insurance becomes a valuable asset, addressing its coverage, costs, and alternatives.

When is Private Health Insurance Worth It?

Is private health insurance worth it?
Record numbers of people are paying for private healthcare amid frustration at NHS waiting lists and difficulty accessing care. Across the UK last year 272,000 people self-funded an operation or diagnostic procedure at a private hospital – a third more than the year before the pandemic, according to figures from the Private Healthcare Information Network (PHIN). Over double that figure had their treatment paid for using a private medical insurance policy.
What is private health insurance?
Private health insurance offers swift access to private healthcare services, from assessments and diagnosis to treatment and aftercare. It provides the flexibility to choose specialists and may cover mental health support in addition to physical health services.
What does private health insurance cover?
Comprehensive private health insurance typically covers private consultations with specialists, in-patient treatment including surgery, out-patient services such as scans and tests, and physiotherapy. However, it often excludes emergency treatment, maternity care, and chronic conditions like arthritis or diabetes treatment.
Does private healthcare cover pre-existing medical conditions?
Pre-existing medical conditions are usually not covered by private health insurance policies. However, some employer-sponsored schemes may provide cover for pre-existing conditions.
How much does private healthcare cost?
Private healthcare costs can be substantial, with procedures like hip replacement costing thousands of pounds. Private health insurance premiums average around £1,500 per year, varying based on factors such as age, location, and chosen level of cover.
Do I need private health insurance?
The decision to purchase private health insurance depends on individual needs and preferences. Factors to consider include concerns about NHS waiting lists, the affordability of private healthcare, and employment status.
How to choose a private healthcare plan?
Private health insurance can be purchased directly from providers or through comparison websites or brokers. It's essential to evaluate different plans based on coverage, cost, and suitability to find the best option.
Is private health insurance worth it?
Ultimately, the value of private health insurance depends on factors such as concerns about NHS services, waiting times, and personal financial circumstances. While it can offer peace of mind and quicker access to healthcare, individuals should weigh the costs against potential benefits and consider alternative insurance options like critical illness or life insurance.

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!

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 award-winning 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! 👇

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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.

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 insurance partners give us a few pounds when you take out a policy with one of their experts.


Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your life insurance, critical illness insurance, private medical health insurance, over-50s funeral insurance and senior life insurance quote in no time thanks to our wonderful super-friendly award-winning partners ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with our FCA-authorised life insurance, critical illness insurance and private medical insurance partner experts and your valuable insurance policy is in place for that needed peace of mind!