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Anal Fissures and Treatment Options

Anal Fissures and Treatment Options 2025

Dealing with an anal fissure can be a painful and distressing experience. As an FCA-authorised UK broker that has helped arrange over 750,000 policies, WeCovr understands the importance of fast access to diagnosis and treatment. This guide explains anal fissures and how private medical insurance can help you get back on your feet sooner.

WeCovr explains fissures, procedures, and private care pathways

An anal fissure is a common but uncomfortable condition. While many heal on their own, some require medical intervention. Navigating treatment options can be confusing, especially when faced with potential NHS waiting lists.

In this comprehensive guide, we will break down everything you need to know about anal fissures, from the initial symptoms to the various treatment procedures available. We’ll also explore the private care pathway and how a good private health cover policy can provide peace of mind and swift access to specialist care.

What is an Anal Fissure? A Simple Explanation

An anal fissure is a small tear or cut in the delicate skin lining the anus (the opening where stools leave the body). Think of it like a paper cut, but in a very sensitive area. The tear exposes the muscle underneath, leading to sharp pain and sometimes bleeding, particularly during and after a bowel movement.

Fissures can be classified into two types:

  • Acute Fissures: These are recent tears that look like a fresh cut. With the right self-care, they often heal within a few weeks.
  • Chronic Fissures: A fissure is considered chronic if it lasts for more than six weeks or keeps coming back. These may have a deeper tear and might feature a small lump of skin, known as a 'sentinel pile' or 'skin tag', at the edge of the fissure.

According to NHS data, anal fissures affect around 1 in 10 people at some point in their lives, making them a very common issue. They are most prevalent in young adults but can occur at any age.

Common Causes of Anal Fissures

Anal fissures are typically caused by trauma to the anal canal. The most frequent cause is passing a particularly hard or large stool, which overstretches the lining and causes it to tear.

Other common causes and contributing factors include:

  • Constipation: Straining on the toilet due to hard, difficult-to-pass stools is the number one culprit.
  • Persistent Diarrhoea: Frequent, loose stools can also irritate and damage the anal lining.
  • Childbirth: The pressure on the perineum during labour can sometimes lead to tears.
  • Inflammatory Bowel Disease (IBD): Conditions like Crohn's disease can cause inflammation that makes the anal lining more vulnerable to tearing.
  • Reduced Blood Flow: Older adults may have reduced blood flow to the area, which can slow healing and make fissures more likely.
  • Anal Intercourse: This can sometimes cause or aggravate a fissure.
  • Overly Tight Sphincter Muscles: Some people naturally have tighter anal sphincter muscles, increasing the tension in the area and making it more prone to tearing.

Understanding the cause is a key step in both treating the current fissure and preventing future ones.

Recognising the Symptoms: What to Look For

The symptoms of an anal fissure can be alarming, but they are usually quite distinct. Recognising them early can help you seek timely advice and treatment.

Key Symptoms:

  • A sharp, tearing, or burning pain during a bowel movement. Some people describe it as feeling like "passing broken glass."
  • A deep, burning ache that can last for several hours after a bowel movement. This is caused by spasms in the sphincter muscle.
  • Bright red blood on the toilet paper or in the toilet bowl after passing a stool. The bleeding is usually minor.
  • A visible tear or crack in the skin around the anus.
  • A small skin tag or lump (a sentinel pile) located next to the fissure, more common in chronic cases.
  • Itching or irritation around the anal area.

The severity of the pain often makes people fearful of going to the toilet, which can lead to withholding stools. This, in turn, makes constipation worse, creating a vicious cycle of harder stools and further trauma to the fissure.

Getting a Diagnosis: The GP and Specialist Pathway

If you suspect you have an anal fissure, your first port of call should be your GP. They will ask about your symptoms and medical history.

A diagnosis can often be made based on your description of the symptoms alone. However, your GP may need to perform a gentle examination. This usually involves simply looking at the area. In most cases, the fissure is visible, and no internal examination is needed, especially if it's very painful.

The Referral Process:

If your fissure doesn't heal with initial treatments, or if the diagnosis is uncertain, your GP will refer you to a specialist. This is typically a colorectal surgeon or a gastroenterologist.

  • NHS Pathway: Your GP makes a referral through the NHS system. You will then join a waiting list to see a specialist.
  • Private Pathway: With private medical insurance, your GP can provide an open referral letter. You can then contact your insurer, who will authorise a consultation with a specialist from their approved network. This process is usually much faster.

Anal Fissure Treatment: NHS vs. Private Care

Both the NHS and private sector offer effective treatments for anal fissures. The main difference lies in the speed of access, choice of specialist, and the environment in which you are treated.

According to the latest NHS England statistics (2024), the median waiting time for consultant-led elective care in specialties like general surgery (which covers colorectal issues) can be several months. For patients in significant pain, this wait can be debilitating.

Here’s a comparison of the typical pathways:

FeatureNHS PathwayPrivate Medical Insurance Pathway
Initial ConsultationAppointment with your GP.Appointment with your GP.
Referral to SpecialistGP refers you; you join the NHS waiting list.GP provides an open referral; you contact your insurer.
Time to See SpecialistCan range from weeks to several months.Typically within days or a couple of weeks.
Choice of SpecialistYou are usually assigned to the next available specialist at your local hospital.You can often choose your specialist and hospital from the insurer's approved list.
Treatment SchedulingTreatment is scheduled based on clinical priority and waiting list length.Treatment is scheduled at a time convenient for you and the specialist.
Hospital StayLikely to be in an NHS ward, which may be shared with other patients.A private en-suite room in a private hospital or the private wing of an NHS hospital.
CostFree at the point of use.Covered by your insurance policy (subject to your excess and benefit limits).

For a condition that significantly impacts daily quality of life, the speed and comfort offered by private care can be a major advantage.

Non-Surgical Treatment Options Explained

Over 90% of acute anal fissures heal without surgery. The goal of non-surgical treatment is to relax the anal sphincter muscle, which improves blood flow to the tear and allows it to heal naturally. It also focuses on keeping stools soft to prevent re-injury.

1. Lifestyle and Dietary Changes (First-Line Treatment)

This is the foundation of all fissure treatment and prevention.

  • Increase Fibre Intake: Aim for 30g of fibre per day. This helps to soften stools. Good sources include fruits, vegetables, whole grains, nuts, and seeds.
  • Stay Hydrated: Drink 2-3 litres of water daily. This helps the fibre to work effectively.
  • Use Stool Softeners: Over-the-counter laxatives like lactulose or macrogol (e.g., Movicol) can be very effective in the short term.
  • Warm Baths (Sitz Baths): Soaking the area in warm water for 10-15 minutes, several times a day (especially after a bowel movement), can relax the sphincter muscle and soothe pain.
  • Avoid Straining: Don't spend too long on the toilet or strain excessively.

2. Topical Creams and Ointments

If lifestyle changes aren't enough, your doctor may prescribe a special cream.

  • Glyceryl Trinitrate (GTN) Ointment (e.g., Rectogesic): This is the most common prescription. It works by relaxing the blood vessels around the anus, which in turn relaxes the sphincter muscle and increases blood flow to the fissure. It's usually applied twice a day for 6-8 weeks. A common side effect is headaches.
  • Calcium Channel Blockers (e.g., Diltiazem Cream): This is an alternative if GTN causes severe headaches. It works in a similar way to relax the muscle and has a lower incidence of headaches.

3. Botulinum Toxin (Botox) Injections

For chronic fissures that don't respond to creams, Botox injections are a highly effective second-line treatment.

  • How it works: A small amount of Botox is injected directly into the internal anal sphincter muscle. This temporarily paralyses the muscle for about 2-3 months, giving the fissure an excellent chance to heal.
  • Procedure: It's a simple outpatient procedure that takes only a few minutes.
  • Success Rate: Studies show success rates of 60-90%.
  • Availability: Botox is available on the NHS but may be subject to funding restrictions and longer waits. It is widely available through private medical insurance UK policies.

Here is a summary of the non-surgical options:

TreatmentHow It WorksTypical DurationCommon Side Effects
Diet & LifestyleSoftens stool, reduces straining.OngoingNone
GTN OintmentRelaxes sphincter muscle, improves blood flow.6-8 weeksHeadaches, dizziness.
Diltiazem CreamRelaxes sphincter muscle, alternative to GTN.6-8 weeksLess likely to cause headaches.
Botox InjectionTemporarily paralyses the sphincter muscle.One-off injection (effect lasts 3 months)Minor, temporary incontinence to wind or stool.

Surgical Procedures for Anal Fissures

Surgery is generally reserved for chronic fissures that have failed to heal with all other non-surgical treatments. While it has the highest success rate, it also carries more risks. A colorectal surgeon will discuss the options with you.

1. Lateral Internal Sphincterotomy (LIS)

LIS is considered the 'gold standard' surgical treatment for chronic anal fissures due to its high success rate (over 95%).

  • The Procedure: The surgeon makes a very small cut in the internal anal sphincter muscle. This permanently reduces the tension in the muscle, preventing spasms and allowing the fissure to heal. The cut is made away from the fissure itself.
  • How it's done: It is usually performed as a day-case procedure under a short general or spinal anaesthetic.
  • Recovery: Pain from the fissure often disappears almost immediately. Recovery from the surgery itself is quick, with most people back to normal activities within a week or two.
  • The Main Risk: The primary risk is a small chance (around 1 in 20) of developing some degree of long-term incontinence, which is usually minor (e.g., to wind) but can rarely be more significant. Surgeons are very careful to cut only a tiny portion of the muscle to minimise this risk.

2. Fissurectomy and Advancement Flaps

This is an alternative surgical option, sometimes used if a sphincterotomy is considered too risky (e.g., in women who have had a difficult childbirth).

  • Fissurectomy: The surgeon removes the fissure itself, along with any scar tissue and the associated skin tag (sentinel pile). This creates a fresh wound that can heal more effectively.
  • Advancement Flap: This procedure is often combined with a fissurectomy. The surgeon takes a small piece of healthy tissue from the lining of the rectum and uses it to cover the wound, bringing a fresh blood supply to the area to promote healing.
  • Success Rate: Success rates are good, around 80-90%, but slightly lower than for LIS. The risk of incontinence is much lower.

The Role of Private Medical Insurance for Fissure Treatment

Private medical insurance (PMI) is designed to cover the costs of diagnosis and treatment for acute medical conditions. If you develop an anal fissure after your policy has started, it will almost certainly be covered.

How PMI helps:

  1. Fast-Track Diagnosis: Once you have a GP referral, your PMI policy allows you to bypass NHS queues and see a consultant colorectal surgeon within days.
  2. Choice of Specialist: You can research and choose from a list of leading specialists approved by your insurer, ensuring you're treated by an expert in the field.
  3. Access to Advanced Treatments: Your policy will cover the costs of consultations, diagnostic tests, and treatments like Botox injections or surgery if required.
  4. Comfort and Convenience: Treatment takes place in a private hospital, usually with an en-suite room, flexible visiting hours, and a more comfortable environment for recovery.

At WeCovr, we act as an expert PMI broker, helping you compare policies from the UK's best PMI providers to find a plan that suits your needs and budget. Our service is free, and we provide impartial advice to ensure you understand exactly what is and isn't covered.

Critical Point: Pre-Existing and Chronic Conditions

This is the most important rule to understand about private medical insurance in the UK. Standard PMI policies do not cover pre-existing conditions.

  • What is a pre-existing condition? Any illness, injury, or symptom (including an anal fissure) for which you have had symptoms, medication, or advice before the start date of your policy.
  • What is a chronic condition? A condition that is long-lasting and cannot be fully cured, only managed. This includes conditions like Crohn's disease, diabetes, or high blood pressure.

If an anal fissure becomes a recurring, long-term problem that requires ongoing management rather than a definitive cure, an insurer might classify it as chronic. In this case, they would cover the initial acute flare-up but may exclude it from future cover.

Underwriting Options:

When you apply for PMI, the insurer will assess your medical history. There are two main ways they do this:

  • Moratorium Underwriting: A simple option where any condition you've had in the last 5 years is automatically excluded. However, if you remain symptom-free and treatment-free for that condition for a continuous 2-year period after your policy starts, the exclusion may be lifted.
  • Full Medical Underwriting (FMU): You complete a detailed health questionnaire. The insurer reviews your medical history and lists specific conditions that will be permanently excluded from your policy. This provides certainty from day one.

It is vital to be honest about your medical history. Failing to declare a condition can invalidate your policy.

Preventing Anal Fissures: Lifestyle and Diet Tips

Prevention is always better than cure. The same lifestyle habits that help treat a fissure are also the best way to prevent one from ever occurring.

Top Prevention Strategies:

  • Eat a High-Fibre Diet: Aim for a mix of soluble fibre (oats, beans, apples) and insoluble fibre (whole grains, nuts) to keep stools soft and bulky.
  • Drink Plenty of Fluids: Water is essential for fibre to do its job. Dehydration leads to hard stools.
  • Don't Ignore the Urge: Go to the toilet as soon as you feel the need. Holding it in can make stools harder and drier.
  • Establish a Routine: Try to have a bowel movement at a similar time each day, such as after breakfast.
  • Exercise Regularly: Physical activity helps stimulate the bowels and prevent constipation.
  • Be Gentle: Avoid harsh wiping. Use moist toilet paper or a bidet if you have one.
  • Use WeCovr's CalorieHero App: As a WeCovr client, you get complimentary access to CalorieHero. This AI-powered app can help you track not only calories but also your daily fibre and water intake, making it easier to stick to your health goals.

Recovery and Aftercare: What to Expect

Recovery depends on the treatment you've had.

  • After Non-Surgical Treatment: You can continue with normal life, but it's crucial to stick with the high-fibre diet and hydration to allow the fissure to heal and prevent recurrence.
  • After Botox: You may feel some mild discomfort, but you can usually return to work the next day. The muscle relaxation effect will kick in over a few days.
  • After Surgery (LIS or Flap):
    • You will likely feel sore for a few days to a week. Your surgeon will prescribe painkillers.
    • It's essential to keep your stools soft to avoid damaging the healing wound. You'll be advised to take stool softeners for several weeks.
    • Warm sitz baths are highly recommended to keep the area clean and soothe discomfort.
    • You will usually have a follow-up appointment with your surgeon around 6-8 weeks after the procedure to check that everything has healed properly.

As a WeCovr customer, you may also be eligible for discounts on other types of insurance, such as life or income protection, helping you build a comprehensive financial safety net for your health and wellbeing. Our high customer satisfaction ratings reflect our commitment to supporting our clients through every step of their journey.

Is an anal fissure considered a pre-existing condition for health insurance?

Yes, generally. If you have experienced symptoms, sought medical advice, or received treatment for an anal fissure in the years leading up to your policy start date, it will be classed as a pre-existing condition. Standard UK private medical insurance policies do not cover pre-existing conditions, so treatment for it would be excluded from your cover.

How quickly can I see a specialist for an anal fissure with private medical insurance?

With private medical insurance, the process is significantly faster than the standard NHS pathway. Once you have a referral from your GP, you can typically book a consultation with a private colorectal surgeon within a few days to a week, depending on the specialist's availability. This rapid access to diagnosis is one of the key benefits of private health cover.

What types of anal fissure treatments are usually covered by PMI?

If the anal fissure is a new (acute) condition that arose after your policy began, a comprehensive private medical insurance policy will typically cover the full pathway. This includes the initial consultation with a specialist, any diagnostic tests, and proven treatments like prescribed topical creams (GTN), Botulinum Toxin (Botox) injections, and surgical procedures such as a Lateral Internal Sphincterotomy (LIS) or advancement flap, subject to your policy's terms and limits.

Get Your Personalised Health Insurance Quote

An anal fissure can disrupt your life, but you don't have to endure long waits for specialist care. Private medical insurance provides a fast and effective route to diagnosis and treatment, giving you control over your health.

Contact WeCovr today. Our expert, friendly advisors will listen to your needs, explain your options in simple terms, and compare policies from leading insurers to find the right cover for you—all at no cost.

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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?
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👉 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.
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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.
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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.

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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.

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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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