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Adding Family Members to Your Health Policy 2026 Rules




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TL;DR

As an FCA-authorised private medical insurance (PMI) broker in the UK, WeCovr has helped arrange cover for over 900,000 people. We understand that your family's health is your top priority. This guide explains everything you need to know about adding loved ones to your health policy.

Key takeaways

  • Simplicity: One policy, one set of documents, one renewal date, and one point of contact.
  • Cost-Effectiveness: Insurers often provide discounts for adding family members, which can be cheaper than buying separate policies for everyone.
  • Consistent Cover: You can ensure your partner and children have the same access to treatments and hospitals as you do.
  • Added Benefits: Many family policies include valuable extras like 24/7 virtual GP access for the whole family, mental health support lines, and wellness programmes.
  • Your husband or wife.

As an FCA-authorised private medical insurance (PMI) broker in the UK, WeCovr has helped arrange cover for over 900,000 people. We understand that your family's health is your top priority. This guide explains everything you need to know about adding loved ones to your health policy.

WeCovr explains adding partners, children, and dependants to PMI policies

Private medical insurance is designed to give you and your family fast access to high-quality medical treatment for acute conditions. While many people start with an individual policy, life changes. You might get married, enter a civil partnership, or welcome a child. The good news is that most UK PMI policies are flexible, allowing you to add family members and create a single, comprehensive family plan.

Doing so can simplify administration, often prove more cost-effective than multiple individual policies, and ensure everyone you care about has the same level of cover. In this guide, we'll walk you through the rules, costs, and benefits of expanding your private health cover for 2026 and beyond.

Why Choose a Family Policy?

Consolidating your family's health cover under one policy offers several key advantages:

  • Simplicity: One policy, one set of documents, one renewal date, and one point of contact.
  • Cost-Effectiveness: Insurers often provide discounts for adding family members, which can be cheaper than buying separate policies for everyone.
  • Consistent Cover: You can ensure your partner and children have the same access to treatments and hospitals as you do.
  • Added Benefits: Many family policies include valuable extras like 24/7 virtual GP access for the whole family, mental health support lines, and wellness programmes.

According to the latest NHS England statistics, the waiting list for routine consultant-led elective care remains a significant concern, with millions of people waiting for treatment. A family PMI policy provides a valuable alternative, offering peace of mind that your loved ones can bypass long waits for eligible conditions.

Who Can You Add to Your UK Health Insurance Policy?

Insurers have specific definitions for who qualifies as a dependant. It's crucial to understand these before you try to add someone to your policy.

Adding a Partner or Spouse

You can typically add your spouse or partner to your policy without issue. This generally includes:

  • Your husband or wife.
  • Your civil partner.
  • Your cohabiting partner (a person you live with in a long-term relationship, often for a minimum of six months).

Insurers have become much more flexible regarding partners. As long as you share a permanent address, adding a partner is usually a straightforward process, either when you first take out the policy or at your annual renewal.

Adding Children to Your Policy

Adding children is one of the most common reasons people modify their PMI. Here's what you need to know:

  • Age Limits: Most insurers allow you to add children up to the age of 21, or up to 24 if they are still in full-time education. These age limits are a key feature to compare.
  • Newborns: Many policies offer a 'newborn benefit', allowing you to add your new baby to the policy, often without medical underwriting, provided you do so within a specific timeframe (usually 3 months from birth). This is an incredibly valuable feature.
  • Adopted and Step-Children: These children can almost always be added to your policy under the same terms as biological children.

Rules for Other Dependants

Adding dependants who are not your partner or young children is less common and depends heavily on the insurer.

  • Older Children: Children over the age limit (e.g., 25 or older) will almost certainly need their own separate policy.
  • Parents or Grandparents: Standard UK PMI policies do not typically allow you to add elderly parents or other relatives to your personal plan. They would need to secure their own policy.

The Process: How and When to Add Family Members

You have three main opportunities to add a dependant to your private medical insurance UK policy.

1. At the Start of a New Policy

This is the simplest route. When you first apply for cover, you can list all the family members you want to include. Everyone will be underwritten at the same time, and you'll receive a single quote for the entire family.

2. During Your Annual Renewal

Your policy renewal is the perfect time to make changes. Simply inform your insurer or your broker (like WeCovr) before your renewal date that you wish to add a partner or child. The insurer will provide a revised quotation for the upcoming year, and the new family member will be covered from the renewal date.

3. Following a Significant Life Event

Most insurers allow you to make 'mid-term adjustments' to your policy following certain life events. This means you don't have to wait until renewal.

Life EventCan You Add a Family Member?Typical Timeframe to Notify Insurer
Marriage or Civil PartnershipYes, you can add your new spouse/partner.Usually within 30-90 days of the event.
Birth or Adoption of a ChildYes, you can add your new child.Usually within 30-90 days.
Moving in with a PartnerYes, if they meet the cohabitation criteria.Usually within 30-90 days of moving.

Real-Life Example: Sarah has an individual policy with Aviva. She gives birth to her son, Leo. Her policy has a newborn benefit. She contacts her broker within 30 days of Leo's birth. The insurer adds Leo to the policy from his date of birth, often without any new medical underwriting, ensuring he is covered immediately.

While there are no new government laws dictating "2026 rules," the private health insurance market is constantly evolving. Based on current trends, here’s what families can expect from leading providers by 2026.

Enhanced Digital Integration for Families

Insurers are investing heavily in technology. By 2026, expect family policies to feature a single, intuitive app where any adult member can:

  • Book virtual GP appointments for themselves or their children.
  • Make a claim for any family member.
  • Access digital mental health support like therapy sessions.
  • Track wellness rewards and benefits for the whole family.

A Greater Focus on Family Mental Health

Awareness of mental health has grown, and insurers are responding. Future-focused family policies will likely offer more comprehensive mental health support as standard, including:

  • Cover for child and adolescent psychiatric consultations.
  • Access to family therapy sessions.
  • Digital tools like meditation apps and CBT courses for all members.

The Shift Towards Proactive and Preventative Care

PMI is moving beyond simply treating illness. The focus is shifting towards keeping families healthy. By 2026, we expect to see:

  • Integrated Wellness Programmes: Policies that reward families for staying active together, with benefits like cinema tickets or discounts on family days out.
  • Proactive Health Screening: More options for family health checks to catch potential issues early.
  • Nutrition and Lifestyle Support: Access to dietitians and health coaches for the whole family. As a WeCovr customer, you already get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to support your family's health goals.

Streamlined Underwriting Processes

Adding family members will become even easier. Insurers are using technology to speed up the underwriting process, meaning less paperwork and faster decisions when you need to add a loved one to your policy.

The Crucial Point: Underwriting for New Family Members

When you add a new person to your policy (unless it's a newborn under a specific benefit), they must be medically underwritten. This is how the insurer assesses the risk of future claims and decides what they will and will not cover.

CRITICAL REMINDER: Pre-existing and Chronic Conditions Standard UK private medical insurance is designed to cover acute conditions – illnesses or injuries that are likely to respond quickly to treatment. It does not cover pre-existing conditions (any ailment you had before joining) or chronic conditions (long-term illnesses like diabetes, asthma, or high blood pressure that require ongoing management). This rule applies to everyone on the policy, including newly added family members.

There are two main types of underwriting.

1. Moratorium Underwriting (Mori)

This is the most common type. It's quicker as you don't have to fill out a detailed medical questionnaire.

  • How it works: The policy automatically excludes treatment for any medical condition that a person has had symptoms, treatment, or advice for in the five years before they joined.
  • The "2-year rule": If the new family member goes two full years on the policy without needing any treatment, advice, or medication for that pre-existing condition, the exclusion may be lifted, and it could become eligible for cover.

2. Full Medical Underwriting (FMU)

With FMU, you declare your and your family's full medical history on an application form.

  • How it works: The insurer reviews the information and tells you upfront exactly what will be excluded from cover. These exclusions are typically permanent and will be listed on your policy documents.
  • The benefit: It provides absolute clarity from day one. You know precisely what is and isn't covered, with no ambiguity.

An expert PMI broker like WeCovr can explain these options in detail and help you decide which is best for your family's circumstances, at no cost to you.

FeatureMoratorium (Mori) UnderwritingFull Medical Underwriting (FMU)
Application ProcessQuick and simple, no medical forms.Longer, requires a full health questionnaire.
ExclusionsAutomatic exclusion of conditions from the last 5 years.Specific, named exclusions listed on your policy.
ClarityCan be ambiguous; cover is decided at the point of claim.Complete clarity from the start.
Lifting ExclusionsPossible after a 2-year trouble-free period.Exclusions are usually permanent.
Best For...People with no recent medical issues who want a quick start.People who want certainty about what is covered.

Cost Implications: How Much to Add a Family Member?

Adding family members will increase your premium, but it's often cheaper than buying separate policies. The final price depends on several factors.

Factors Influencing the Cost

  1. Age and Health: The older a person is, the higher their premium will be. Their medical history (under FMU) will also be a factor.
  2. Level of Cover: A comprehensive policy with full outpatient cover and a wide choice of hospitals will cost more than a basic plan.
  3. Location: Premiums are often higher in major cities, especially London, due to the higher cost of private treatment.
  4. Excess: Choosing a higher voluntary excess (the amount you pay towards a claim) will lower your overall premium.
  5. Discounts: Insurers often apply a discount. For example, the second adult might be slightly cheaper than the first, and children are often added at a significantly reduced rate.

Are Family Policies Cheaper?

In most cases, yes. A single family policy benefits from multi-person discounts that you wouldn't get with individual plans.

Example Monthly Premiums for Family Private Health Cover

These are illustrative examples for a mid-range policy with a £250 excess. Costs are highly variable.

Family CompositionLocation: ManchesterLocation: London
Single 35-year-old£55£75
Couple, both 35£105 (saving vs. 2x individual)£140 (saving vs. 2x individual)
Couple (35) + 1 child (5)£130£175
Couple (35) + 2 children (5, 8)£150£205

As you can see, the cost of adding a second adult is less than the cost of the first, and the incremental cost for children is smaller still.

Core Benefits of a Family Private Medical Insurance Policy

Beyond the financial and administrative ease, a family policy offers tangible health and wellness benefits.

Peace of Mind and Faster Access to Care

The primary benefit is knowing that if a family member develops an eligible acute condition, you can bypass NHS waiting lists and get a prompt diagnosis and treatment at a time and place that suits you. This is particularly reassuring when it comes to your children's health.

Access to Specialist Paediatric Care

A key feature of good family PMI is access to paediatric specialists and hospitals that are designed for children. This ensures your child receives care in an environment tailored to their needs, which can make a stressful experience much more comfortable.

Comprehensive Family Wellness and Mental Health Support

Leading providers now include a wealth of resources to support your family's overall wellbeing:

  • 24/7 Digital GP: Speak to a GP via video call anytime, day or night – invaluable for a child with a fever at 2 am.
  • Mental Health Support: Access to counselling or therapy for adults and, increasingly, for children and teenagers.
  • Wellness Incentives: Many policies, like those from Vitality, reward you for healthy living.

As a WeCovr client, you not only get expert advice on finding the right policy but also receive complimentary access to our CalorieHero app to help manage your family's nutrition. Furthermore, our clients often receive discounts on other insurance products, such as life or income protection insurance, creating a complete safety net for your family.

Choosing the Best PMI Provider for Your Family

With several major insurers in the UK market, it's wise to compare what they offer for families.

What to Look for in a Family Policy

  • Child Age Limits: Check the cut-off age, especially if you have older children in university.
  • Newborn Benefit: Is there a 'free cover' or 'medical history disregarded' option for newborns?
  • Mental Health Cover: How comprehensive is the support for both adults and children?
  • Cancer Cover: Look for comprehensive cancer care pathways, including access to the latest drugs and treatments.
  • Hospital List: Does the list include hospitals near you that have good paediatric facilities?
FeatureProvider A (e.g., Aviva)Provider B (e.g., Bupa)Provider C (e.g., AXA Health)
Child Age LimitTypically up to 24 (in education)Typically up to 24 (in education)Typically up to 25
Newborn BenefitYes, often included (terms apply)Yes, excellent options availableYes, 'add a child' option available
Family Mental HealthStrong focus, with digital and face-to-face optionsComprehensive cover pathwaysGood support, including family-focused lines
Wellness ProgrammeAccess to discounts and perksHealth assessments and coachingAccess to online health support

This table is a simplified guide. The best PMI provider for your family depends entirely on your specific needs and budget. This is where using an independent PMI broker is invaluable. WeCovr is proud of its high customer satisfaction ratings on major review websites, which reflect our commitment to finding the right cover for our clients.

Health and Wellness Tips for the Whole Family

A health insurance policy is there for when things go wrong, but the best approach is to cultivate a healthy lifestyle to minimise the need for it.

Nurturing Healthy Eating Habits

  • Eat Together: Family meals are a great opportunity to connect and model healthy eating.
  • Involve Kids in Cooking: Children are more likely to eat what they've helped prepare.
  • Focus on Whole Foods: Prioritise fruits, vegetables, lean proteins, and whole grains over processed foods and sugary snacks.

The Importance of Sleep for All Ages

  • Consistent Routines: Stick to regular bedtimes and wake-up times, even on weekends.
  • Screen-Free Bedrooms: The blue light from phones, tablets, and TVs can disrupt sleep. Create a rule for screens to be turned off at least an hour before bed.
  • Create a Relaxing Environment: Ensure bedrooms are dark, quiet, and cool.

Staying Active Together

  • Make it Fun: Find activities the whole family enjoys, whether it's cycling, hiking, swimming, or just playing in the park.
  • Lead by Example: If your children see you enjoying an active lifestyle, they are more likely to adopt it themselves.
  • Aim for Consistency: The NHS recommends children aged 5 to 18 do at least 60 minutes of moderate to vigorous physical activity each day. For adults, it's 150 minutes of moderate activity per week.

Can I add my newborn baby to my policy straight away?

Yes, most UK private medical insurance providers offer a 'newborn benefit'. This allows you to add your baby to your policy, often from birth, without them needing to be medically underwritten. You typically need to inform your insurer within a set period, usually 1 to 3 months after the birth, for this benefit to apply.

Will my child’s pre-existing condition be covered if I add them to my policy?

Generally, no. Standard private medical insurance in the UK is designed for new, acute conditions that arise after the policy starts. It does not cover pre-existing conditions. If you add a child to your policy, any medical conditions they already have or have had treatment for recently will be excluded from cover, either automatically under moratorium underwriting or specifically under full medical underwriting.

Is it cheaper to have one family policy or separate policies for each person?

In the vast majority of cases, it is cheaper to have a single family policy. Insurers usually offer discounts for adding partners and children, making the combined premium lower than the total cost of separate individual policies. It also simplifies administration with just one renewal date and one set of documents to manage.

What happens when my child reaches the age limit on the policy?

When a child reaches the policy's age limit (e.g., 21, or 24 if in full-time education), they can no longer be covered as a dependant. At this point, they will need to take out their own individual policy. Many insurers offer a 'continuation' option, allowing them to switch to an individual plan without new medical underwriting, which can be a significant advantage as it may allow for continued cover of conditions that developed while they were on the family plan.

Let WeCovr Secure Your Family's Health

Navigating the world of family health insurance can feel complex, but you don't have to do it alone. The expert advisers at WeCovr specialise in the UK PMI market and can help you compare policies from all the leading insurers.

Our service is completely free. We take the time to understand your family's unique needs and budget, ensuring you get the right cover at the best possible price.

Ready to protect your family's future? Get your free, no-obligation quote from WeCovr today and take the first step towards total peace of mind.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.
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Why private medical insurance and how does it work?

What is Private Medical Insurance?

Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.

How does it work?

Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:

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

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

Questions to ask yourself regarding private medical insurance

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

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

Benefits offered by private medical insurance

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

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

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

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

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

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

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

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

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

Important Fact!

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

Why is it important to get private medical insurance early?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims may require additional information if under moratorium underwriting.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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