WeCovr.

Login

WeCovr.

Login

Ankylosing Spondylitis Explained

Ankylosing Spondylitis Explained 2025 | Free Tailored Quotes

As an FCA-authorised expert with over 750,000 policies issued, WeCovr provides this guide to ankylosing spondylitis. This article explains the condition, its treatments, and the role of private medical insurance in the UK, helping you make informed decisions about your health and financial protection.

Understand AS, treatments, and how PMI supports ongoing management

Ankylosing Spondylitis, or AS, is a condition that often begins as a nagging, persistent back pain, particularly in younger adults. But it's far more than a simple backache. It's a long-term (chronic) inflammatory disease that can have a significant impact on daily life.

In this guide, we will explore every facet of AS, from the first signs and symptoms to the latest treatments. Crucially, we will clarify the role of private medical insurance (PMI) in the UK, explaining what it can and cannot cover, and how it can be a vital tool for diagnosis and managing your overall health.

What is Ankylosing Spondylitis (AS)?

Ankylosing Spondylitis is a type of arthritis that primarily affects the spine. The name itself gives us clues:

  • Ankylosing: Means fusing or stiffening.
  • Spondylitis: Means inflammation of the vertebrae (the bones in your spine).

Essentially, AS causes inflammation in the joints of your spine. In response to this inflammation, your body can produce extra calcium, leading to the growth of new bone. Over time, this can cause sections of the spine to fuse together, making it less flexible and resulting in a hunched posture.

This inflammation isn't just limited to the spine. It can also affect other parts of the body, including the sacroiliac joints (where the base of your spine meets your pelvis), hips, shoulders, ribs, and even your eyes, bowels, and heart.

AS belongs to a group of conditions called axial spondyloarthritis (axSpA). It's a progressive condition, meaning it can worsen over time, but the severity and progression vary hugely from person to person.

Who is Affected by Ankylosing Spondylitis in the UK?

While AS can affect anyone, it follows certain patterns. Understanding these can help in recognising the potential for the condition.

  • Age of Onset: It typically starts in late teens and early adulthood, with most people developing symptoms before the age of 45. It's uncommon for it to start in older adults.
  • Gender: AS was once thought to be far more common in men, but recent understanding shows it affects men and women more equally than previously believed. However, men may be more likely to experience the classic spinal fusion.
  • Genetics: There is a strong genetic link. About 95% of people in the UK with AS carry a specific gene called HLA-B27. However, it's important to know that most people with this gene (around 8% of the UK population) do not develop AS. It's a risk factor, not a cause.

According to the National Axial Spondyloarthritis Society (NASS), it's estimated that around 1 in 200 adults in the UK live with axial spondyloarthritis. The condition often takes a long time to be correctly identified—on average, around 8.5 years from the onset of symptoms to a formal diagnosis. This diagnostic delay is a key area where private medical insurance can make a profound difference.

What are the Key Symptoms of Ankylosing Spondylitis?

The symptoms of AS can be subtle at first and are often mistaken for general back pain or sports injuries. Recognising the specific pattern of symptoms is crucial for seeking timely medical advice.

Core Symptoms:

  • Gradual Onset Back Pain and Stiffness: The pain is usually dull and located in the lower back and buttocks. It develops slowly over weeks or months.
  • Morning Stiffness: Stiffness and pain are typically worse in the morning and after periods of inactivity, lasting for at least 30 minutes.
  • Improvement with Exercise: Unlike mechanical back pain, the pain and stiffness of AS often improve with movement and exercise.
  • Pain at Night: Many people find the pain wakes them up in the second half of the night.

Other Common Symptoms:

  • Pain in Other Joints: Inflammation can cause pain and swelling in the hips, shoulders, knees, or ankles.
  • Enthesitis: This is inflammation where tendons and ligaments attach to bone. A common example is Achilles tendonitis (pain at the back of the heel) or plantar fasciitis (pain in the sole of the foot).
  • Fatigue: A persistent and overwhelming sense of tiredness that isn't relieved by rest is a very common and debilitating symptom.
  • Uveitis (Iritis): Around 40% of people with AS experience eye inflammation at some point. Symptoms include a painful, red, and watery eye with sensitivity to light. This is a medical emergency that requires immediate attention.
  • Bowel Inflammation: Some people with AS may also have inflammatory bowel disease (IBD), such as Crohn's disease or ulcerative colitis.

If you are experiencing persistent back pain, especially if you are under 45 and it improves with exercise but is worse at night, it's vital to speak to your GP.

The Diagnostic Journey: How AS is Identified

Getting a diagnosis for AS can be a long road on the NHS due to waiting lists and the need for specialist assessment. This is where private health cover can significantly speed things up.

The NHS Diagnostic Pathway

  1. GP Visit: You'll first discuss your symptoms with your GP. They may perform a physical examination and ask about your family history.
  2. Blood Tests: The GP may order blood tests to look for markers of inflammation (ESR and CRP) and to check for the HLA-B27 gene.
  3. Referral to a Specialist: If AS is suspected, you'll be referred to a rheumatologist—a doctor who specialises in conditions affecting joints, bones, and muscles. NHS waiting times for a rheumatology appointment can be many months.
  4. Imaging: The rheumatologist will likely order imaging tests:
    • X-rays: To look for changes in the sacroiliac joints and spine. These changes may not be visible in the early stages.
    • MRI Scan: This is much more sensitive and can detect inflammation in the joints and bones long before changes are visible on an X-ray.
  5. Diagnosis: A diagnosis is made based on your symptoms, physical exam, blood tests, and imaging results.

The Private Medical Insurance (PMI) Pathway

For those with private health cover, the journey can be much faster.

  1. GP Referral: You still need a GP referral. Many PMI policies now include access to a digital GP service, allowing you to get a referral in hours or days.
  2. Specialist Appointment: With an open referral, you can choose a rheumatologist from your insurer's approved list and often be seen within a week or two.
  3. Rapid Diagnostics: The specialist can authorise blood tests and, crucially, an MRI scan almost immediately, without the long waits common in the public system.
  4. Quick Diagnosis & Treatment Plan: A faster diagnosis means a treatment plan can be put in place much sooner, which is vital for managing inflammation and preventing long-term damage.

NHS vs. Private Diagnosis: A Comparison

StageTypical NHS PathwayTypical Private Pathway with PMI
GP ReferralStandard appointment wait times.Fast access via digital GP services often included.
Specialist WaitCan be several months (latest NHS data shows long waits for rheumatology).Usually within 1-2 weeks.
MRI Scan WaitCan be many weeks or months after the specialist appointment.Often arranged within days of the consultation.
Time to DiagnosisCan take months from the initial GP visit.Can be completed within a few weeks.

This speed is the primary benefit of private medical insurance for investigating conditions like AS.

The Critical Rule: How Private Medical Insurance Handles Chronic Conditions

This is the most important section for anyone considering PMI in relation to Ankylosing Spondylitis.

Standard private medical insurance in the UK is designed to cover acute conditions.

  • An acute condition is a disease or illness that is likely to respond quickly to treatment and lead to a full recovery (e.g., a cataract, a hernia, a joint injury).
  • A chronic condition is a disease or illness that is long-term and cannot be cured, only managed (e.g., diabetes, asthma, and Ankylosing Spondylitis).

Once you have been formally diagnosed with Ankylosing Spondylitis, it is classified as a chronic condition. Therefore, standard UK PMI policies will not cover the ongoing treatment and management of AS itself. This is a fundamental principle of how the market works.

Similarly, if you have symptoms of AS or are undergoing tests for it before you take out a PMI policy, it will be considered a pre-existing condition. All pre-existing conditions are excluded from new policies, either for a set period or permanently.

So, How Can Private Medical Insurance Still Help?

Even with the chronic condition exclusion, a PMI policy can be incredibly valuable in several ways for someone concerned about or living with AS.

  1. Securing a Fast Diagnosis: As detailed above, if you have symptoms but no diagnosis, PMI is your fastest route to seeing a specialist and getting the necessary scans. This initial diagnostic phase is typically covered by outpatient benefits in a policy. Getting a diagnosis quickly allows you to start an effective management plan (usually on the NHS) years earlier than you might otherwise.

  2. Cover for New, Unrelated Acute Conditions: Having AS does not make you immune to other health problems. If you need a hip replacement, knee surgery, cancer treatment, or a hernia repair for a condition that arises after you take out your policy, your PMI will cover it. This provides immense peace of mind, ensuring you can bypass NHS waiting lists for other serious health concerns.

  3. Access to Therapies and Wellness Benefits: This is a significant, often overlooked benefit. Many comprehensive PMI policies include cover for:

    • Physiotherapy: Essential for managing AS. While the policy won't cover it specifically for AS, you may be able to access a set number of sessions per year to help with general musculoskeletal fitness and pain, subject to policy terms.
    • Mental Health Support: Living with a chronic condition can take a toll on mental wellbeing. Most top-tier policies now include excellent cover for talking therapies, counselling, and psychiatric support.
    • Wellness Tools: Insurers are increasingly providing resources to help members stay healthy. For instance, at WeCovr, our clients not only get expert advice on the best PMI provider but also receive complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. This can be a fantastic tool for managing an anti-inflammatory diet.

In summary, you don't buy PMI to treat your diagnosed AS. You buy it to get diagnosed fast, to cover other acute health issues, and to access valuable benefits that support your overall wellbeing while you manage AS through the NHS.

Managing Ankylosing Spondylitis: A Holistic Approach

A diagnosis of AS is life-changing, but effective management can allow you to live a full and active life. The treatment plan is a partnership between you and your healthcare team and typically involves a combination of medication, exercise, and lifestyle adjustments.

1. Medication

  • Non-Steroidal Anti-Inflammatory Drugs (NSAIDs): These are usually the first line of treatment. Drugs like naproxen or ibuprofen help to reduce pain and inflammation. They are often taken long-term under a doctor's supervision.
  • Biologic Therapies (Anti-TNF): For those who don't respond well to NSAIDs, biologic drugs are a major breakthrough. These powerful drugs target a specific protein (TNF) that causes inflammation. They are administered by injection or infusion and can dramatically reduce symptoms and potentially slow the progression of the disease. They are prescribed by a rheumatologist and are available on the NHS if you meet specific criteria.
  • JAK Inhibitors: A newer class of medication that also targets specific parts of the immune system to reduce inflammation. They are taken as tablets.

2. Physiotherapy and Exercise

This is a cornerstone of managing AS. A physiotherapist can design a personalised exercise programme to:

  • Improve spinal flexibility and posture.
  • Reduce stiffness and pain.
  • Strengthen the muscles supporting your spine.

Good exercises for AS include:

  • Stretching: Daily stretching of the back, neck, and hips is vital.
  • Low-Impact Aerobics: Swimming is often called the perfect exercise for AS as it supports the whole body while strengthening it.
  • Strength Training: Using light weights or resistance bands to build muscle.
  • Posture Awareness: Consciously thinking about and correcting your posture throughout the day.

3. Lifestyle Management

Small daily changes can have a huge cumulative effect on how you feel.

Lifestyle AreaRecommendations for Managing AS
DietFocus on an anti-inflammatory diet: rich in fruits, vegetables, oily fish (salmon, mackerel), nuts, and seeds. Limit processed foods, sugar, and red meat, which can promote inflammation.
SleepAim for a supportive mattress that is firm but not hard. Sleep on your back or stomach to help maintain a straight spine. Use a thin pillow or no pillow to avoid neck strain.
WorkEnsure your workstation is ergonomically sound. Take regular breaks to stand up, stretch, and walk around. Discuss potential adjustments with your employer if needed.
Driving & TravelAdjust your car seat for maximum support. On long journeys, plan for frequent stops to get out and stretch. When flying, book an aisle seat so you can move around more easily.
Mental HealthConnect with others through support groups like NASS. Practice mindfulness or meditation to manage pain and stress. Don't hesitate to seek professional mental health support.

Choosing the Right Private Medical Insurance UK Policy

If you are considering private health cover, either before any symptoms appear or for the wider benefits it offers, it's essential to choose the right policy. A specialist PMI broker like WeCovr can be invaluable here. We can help you navigate the market at no extra cost to you.

Here are key features to look for:

  • Comprehensive Outpatient Cover: To ensure any diagnostic tests and specialist consultations are fully covered, look for a policy with a high or unlimited outpatient limit.
  • Therapy Cover: Check the limits for physiotherapy. Some policies offer a set number of sessions, while others have a financial limit. This is crucial for musculoskeletal health.
  • Mental Health Cover: Review the provision for mental health. This is an increasingly important part of modern policies.
  • Digital GP Access: This provides incredible convenience for getting quick medical advice and referrals.
  • Underwriting Options:
    • Moratorium Underwriting: This is the most common type. It automatically excludes conditions you've had in the last 5 years. The exclusion may be lifted if you remain symptom and treatment-free for a continuous 2-year period after your policy starts.
    • Full Medical Underwriting: You declare your entire medical history upfront. The insurer then tells you exactly what is and isn't covered from day one. This provides clarity but can be more complex.

An expert broker can explain these options and help you find the best PMI provider for your individual circumstances and budget. Furthermore, clients who purchase PMI or Life Insurance through WeCovr often receive discounts on other types of cover, adding extra value.

Frequently Asked Questions (FAQ)

If I get diagnosed with AS after buying private health cover, will my treatment be covered?

Generally, no. Once diagnosed, Ankylosing Spondylitis is classified as a chronic condition. Standard UK private medical insurance policies are designed to cover acute conditions that are curable, not the long-term management of chronic illnesses. However, the policy would have been invaluable in providing the fast diagnosis and will continue to cover you for any new, unrelated acute conditions that may arise.

Do I need to declare back pain when applying for PMI?

Yes, absolutely. You must be completely honest when applying for insurance. If you have sought medical advice, treatment, or medication for back pain in the last 5 years, you must declare it. Failing to do so could invalidate your policy. The insurer will likely place an exclusion on your spine or back for a period of time. An expert PMI broker can help you understand the implications of any pre-existing conditions.

Can I get PMI if a close family member has Ankylosing Spondylitis?

Yes, you can. Having a family history of AS does not prevent you from getting private medical insurance. Insurers do not typically ask about genetic predispositions for conditions like AS during the application process. In fact, knowing you have a higher genetic risk is a very strong reason to secure a comprehensive policy while you are fit and well, to ensure you are covered for the diagnostic process or any other future health issues.

Ankylosing Spondylitis is a serious and complex condition, but with early diagnosis, modern treatments, and proactive self-management, it is possible to control the symptoms and lead a fulfilling life.

While private medical insurance cannot cover the ongoing management of a chronic condition like AS, its role in providing rapid diagnosis, covering other acute health issues, and offering valuable wellness benefits is undeniable. It provides a safety net, ensuring that when new health challenges arise, you have the choice and control to access the best care quickly.

Navigating the complexities of the private medical insurance UK market can be daunting. At WeCovr, our team of independent experts is here to provide clear, tailored advice. We compare policies from leading insurers to find the right fit for your needs and budget, ensuring you understand exactly what is and isn't covered.

Take the first step towards peace of mind. Contact WeCovr today for a free, no-obligation quote and let us help you secure your health's future.

Get A Free Quote

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.
Get Quote

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:
Book Call Now

Our Group Is Proud To Have Issued 750,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection
Find Out More

Any questions?

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.

Book Call With Expert

Learn more

Learn More
...

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 private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!