WeCovr.

Login

WeCovr.

Login

Aviva Healthier Solutions Policy Review

Aviva Healthier Solutions Policy Review 2025

WeCovr's independent review of Aviva's flagship health insurance policy

Welcome to our expert review of Aviva's Healthier Solutions policy. As an FCA-authorised broker that has helped arrange over 750,000 policies, WeCovr provides impartial, in-depth analysis of the UK private medical insurance market to help you make a truly informed decision about your health and wellbeing.

Aviva is one of the giants of UK insurance, a household name with a history stretching back over 300 years. Their flagship private health cover, Healthier Solutions, is a popular choice for individuals, families, and businesses across the country. But does it live up to the name? Is it the right fit for your specific needs and budget?

In this comprehensive guide, we'll break down every aspect of the Healthier Solutions policy. We'll explore its core benefits, optional extras, cost-saving mechanisms, and unique features. Our goal is to give you the clarity you need to decide if Aviva is the best PMI provider for you, or if another option might be a better match.

Who is Aviva?

Before diving into the policy, it's worth understanding the company behind it. Aviva is the UK's largest general insurer, providing everything from car and home insurance to pensions and investments. In the private medical insurance UK space, they are one of the "big four" providers, alongside Bupa, AXA Health, and Vitality.

Their scale and financial stability are significant trust signals. With millions of customers worldwide, Aviva has a deep understanding of risk and a vast network of private hospitals and specialists. Their Healthier Solutions policy is designed to be a flexible, modern PMI product that competes directly with the best on the market.

The Most Important Rule: What PMI Covers (and What It Doesn't)

This is the most critical point to understand before considering any private medical insurance policy in the UK.

Private medical insurance is designed to cover acute conditions that arise after you take out your policy.

An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of things like cataracts, joint replacements, or hernias.

PMI does not cover:

  • Pre-existing conditions: Any illness or injury you had symptoms of, received advice for, or were treated for before your policy began.
  • Chronic conditions: Long-term illnesses that cannot be cured, only managed. This includes conditions like diabetes, asthma, high blood pressure, and arthritis. While the initial diagnosis of a chronic condition might be covered, the ongoing management will be handed back to the NHS.
  • Emergency services: If you have a heart attack or are in a serious accident, you will still need to call 999 and use the NHS A&E. PMI is for planned, non-emergency treatment.
  • Other standard exclusions like cosmetic surgery (unless medically necessary), substance abuse treatment, and normal pregnancy.

Understanding this distinction is key to having the right expectations for what your private health cover can do for you. It's a partner to the NHS, not a replacement for it.

Aviva Healthier Solutions: The Core Cover

Every Healthier Solutions policy is built on a foundation of core cover. This is what you get as standard, providing a robust safety net for significant medical events.

Here’s a breakdown of the standard benefits:

BenefitDetails
In-patient & Day-patient TreatmentFull cover for hospital fees, specialist fees, diagnostic tests, and scans when you are admitted to a hospital bed (even for a day).
Extensive Cancer CoverThis is a major strength. Aviva provides comprehensive cover for cancer treatment, including surgery, radiotherapy, and chemotherapy. They also offer access to some advanced therapies and drugs not always available on the NHS.
Digital GP (Aviva Digital GP)24/7 access to a GP via phone or video call. You can get medical advice, prescriptions, and onward referrals without waiting for an NHS appointment.
Mental Health SupportStandard cover includes access to support lines and some limited cover for out-patient consultations with a specialist.
NHS Cash BenefitIf you choose to use the NHS for treatment that would have been covered by your policy, Aviva pays you a cash amount (e.g., £100 per night) as a thank you for saving them money.
Post-Treatment TherapiesLimited cover for therapies like physiotherapy to aid your recovery after eligible in-patient or day-patient treatment.

This core package alone provides significant peace of mind, primarily focused on covering the costs of major surgery and cancer care, which are often the most expensive and have the longest NHS waiting lists.

Customising Your Policy: Optional Extras

The real flexibility of Healthier Solutions comes from its optional extras. These allow you to build a policy that matches your priorities and budget. Think of it like choosing the trim level and optional extras when buying a new car.

Here are the main options you can add:

1. Out-patient Cover

This is arguably the most important optional extra. While core cover handles your treatment once you're admitted to hospital, out-patient cover pays for the steps that get you there: specialist consultations and diagnostic tests.

Recent NHS data from 2024 shows that the total waiting list for consultant-led elective care stands at around 7.54 million. This is where out-patient cover is invaluable, allowing you to bypass these queues for diagnosis.

Aviva typically offers several levels:

  • Full Cover: No yearly limit on consultations or diagnostics.
  • Limited Cover: A set monetary limit per policy year (e.g., £500, £1,000, or £1,500).
  • Diagnostics Only: Covers scans like MRI, CT, and PET but not specialist consultation fees.

WeCovr Tip: Choosing a limited out-patient cover (e.g., £1,000) is a popular way to make a policy more affordable while still providing excellent cover for the most common diagnostic pathways.

2. Therapies Cover

This extends the basic post-treatment therapy benefit. If you add this option, you can access treatments like physiotherapy, osteopathy, and chiropractic care for new acute conditions, even without having surgery first. This is ideal for those with active lifestyles who might suffer from sports injuries or back pain.

3. Mental Health Pathway

While core cover provides some mental health support, this optional upgrade significantly enhances it. It offers more extensive cover for consultations with psychiatrists and psychologists and may include in-patient treatment for mental health conditions. Given the growing focus on mental wellbeing, this is an increasingly popular and valuable addition.

4. Dental and Optical Cover

This add-on provides cashback for routine dental check-ups, hygiene visits, and optical expenses like eye tests and glasses. It operates on a reimbursement basis up to a set annual limit. While convenient, it's important to weigh the extra premium against your expected annual spend on dental and optical care.

Summary of Optional Extras

OptionWhat It AddsWho It's For
Out-patient CoverPays for specialist consultations and diagnostic tests before hospital admission.Almost everyone. It's essential for fast diagnosis.
Therapies CoverCovers physiotherapy, osteopathy, etc., for acute conditions.Active individuals, or those prone to musculoskeletal issues.
Mental Health PathwayEnhanced cover for psychiatric and psychological treatment.Anyone wanting comprehensive support for mental wellbeing.
Dental & OpticalCashback for routine dental and eye care.Those who want a single policy for all their routine health expenses.

An expert PMI broker like WeCovr can help you model the costs of these different options to find the sweet spot between comprehensive cover and an affordable premium.

How to Manage Your Premium: Excess and Hospital Lists

Besides customising your cover level, there are two main levers you can pull to adjust the price of your Healthier Solutions policy.

1. Choosing Your Excess

An excess is the amount you agree to pay towards a claim each year. It works just like the excess on your car or home insurance. For example, if you have a £250 excess and make a claim for a £3,000 procedure, you would pay the first £250, and Aviva would pay the remaining £2,750.

  • Available Options: Aviva offers a range of excesses, typically from £0 up to £5,000.
  • The Trade-Off: A higher excess means a lower monthly premium.
  • How It's Applied: The excess is usually payable once per person, per policy year, regardless of how many claims you make.

Choosing an excess of £250 or £500 can significantly reduce your premium without exposing you to unmanageable costs in the event of a claim.

2. Selecting a Hospital List

Aviva has a network of several hundred private hospitals across the UK. To manage costs, they group these into different lists. The hospital list you choose directly impacts your premium.

  • Key Hospital List: This is Aviva's value list. It includes a wide range of excellent private hospitals but may exclude some of the more expensive facilities, particularly in Central London. This is often the most cost-effective option.
  • Extended Hospital List: This is the comprehensive list, giving you access to virtually all hospitals in Aviva's network, including premium London hospitals like The Lister and The London Clinic.
  • Trust/Signature Lists: In some cases, there may be options to use selected private patient units within NHS Trust hospitals, which can be another way to manage costs.

Unless you have a specific reason to require a hospital only found on the Extended list, choosing the Key list is a smart way to get great value.

What Makes Aviva Stand Out? Unique Features and Benefits

All major PMI providers offer good core cover. The differences often lie in the details and the value-added benefits. Here’s where Aviva shines.

The Aviva Digital GP

This is a cornerstone of the modern PMI experience. The ability to speak to a GP 24/7 from anywhere is incredibly convenient. You can get quick advice, a diagnosis for minor ailments, and crucially, an open referral to a specialist if needed, which kickstarts your private treatment journey.

Strong Cancer Care Commitment

Aviva's "Cancer Care Promise" is a key feature. They promise to cover your cancer treatment, including radiotherapy and chemotherapy, for as long as you have the policy. They also provide access to a dedicated oncology claims team and cover for many of the latest-generation drugs and treatments, some of which may not yet be routinely funded by the NHS due to cost.

Get Active and Wellbeing Support

Aviva encourages a proactive approach to health. Policyholders often get access to discounts on gym memberships, fitness trackers, and other health-related products and services. While perhaps not as comprehensive as Vitality's points-based programme, it's a valuable perk that supports a healthier lifestyle.

The WeCovr Advantage: Getting More From Your Policy

When you arrange your private medical insurance through WeCovr, you not only get our expert, impartial market comparison at no cost to you, but you also unlock exclusive benefits. All our health and life insurance clients receive:

  • Complimentary Access to CalorieHero: Our AI-powered calorie and nutrition tracking app to help you stay on top of your health goals.
  • Discounts on Other Insurance: We value your loyalty and offer discounts when you take out other policies with us, such as life insurance or income protection.
  • Dedicated Support: Our high customer satisfaction ratings are built on providing ongoing support throughout the life of your policy.

Aviva Healthier Solutions vs. The Competition

How does Aviva stack up against other big names in the private medical insurance UK market?

ProviderKey StrengthWellness ProgrammeMain Differentiator
AvivaComprehensive cancer cover and brand trust.'Get Active' discounts on gyms and tech.A solid, dependable, all-rounder with flexible options.
BupaHuge global network and direct treatment pathways (no GP referral needed for some conditions).Focus on mental health support and digital tools.Brand recognition and integrated healthcare services.
AXA HealthStrong focus on mental health and advanced digital GP service (Doctor@Hand).'ActivePlus' gym discounts and health information hub.Excellent digital integration and member support.
VitalityFully integrated wellness programme rewarding healthy living.The 'Vitality Programme' is central to the policy, offering extensive rewards.The "shared value" model: lower your premium by staying active.

This table shows that while all providers offer excellent clinical cover, they have different philosophies. Aviva is the reliable, flexible choice. Bupa and AXA are strong on digital health and direct access. Vitality is for those who want to be actively rewarded for their healthy lifestyle.

The best PMI provider is entirely personal. A WeCovr advisor can walk you through a detailed comparison based on your unique circumstances.

A Quick Guide to Underwriting

When you apply for PMI, the insurer needs to know about your medical history. This process is called underwriting. Aviva offers two main types for new customers:

  1. Moratorium (MORI) Underwriting: This is the most common type. You don't declare your full medical history upfront. Instead, the insurer applies a blanket exclusion for any condition you've had in the last 5 years. However, if you go 2 full years on the policy without any symptoms, treatment, or advice for that condition, it may become eligible for cover. It's simple and quick but can create uncertainty at the point of claim.

  2. Full Medical Underwriting (FMU): You complete a detailed health questionnaire, declaring your entire medical history. The insurer then gives you a definitive list of what is and isn't covered from day one. It takes longer to set up, but you have complete clarity.

There is a third option, Continued Personal Medical Exclusions (CPME), for those switching from another PMI provider, which allows you to carry over your existing underwriting terms.

Final Thoughts: Is Aviva Healthier Solutions the Right Policy for You?

Aviva Healthier Solutions is a top-tier private medical insurance policy from a trusted, financially robust provider.

It's a great choice for:

  • Individuals and families looking for a flexible and reliable policy from a household name.
  • Those who prioritise comprehensive cancer cover.
  • People who want a good balance of quality cover and customisable options to manage cost.

It may be less suitable for:

  • Highly active individuals who want to be directly rewarded for their fitness activities (Vitality might be a better fit).
  • Those seeking the absolute cheapest policy on the market (as a premium provider, Aviva focuses on quality over being the lowest price).

Ultimately, the UK private medical insurance market is complex. While Aviva offers a fantastic product, it's just one of many options. The only way to be certain you're getting the best cover at the best price is to compare the market with the help of an independent expert.


Does Aviva Healthier Solutions cover pre-existing conditions?

No. In line with all standard UK private medical insurance policies, Aviva Healthier Solutions does not cover pre-existing conditions. It is designed to cover acute medical conditions that begin after your policy start date. Chronic conditions are also not covered for ongoing management.

How much does Aviva health insurance cost per month?

The cost of an Aviva Healthier Solutions policy varies significantly based on personal factors. Your age, location, smoking status, and the level of cover you choose (including optional extras, excess, and hospital list) will all determine your final premium. A young, healthy individual might pay from £40 per month, while comprehensive cover for a family could be several hundred pounds. The only way to get an accurate price is to get a personalised quote.

Can I add my family to my Aviva Healthier Solutions policy?

Yes, absolutely. Aviva Healthier Solutions can be set up for individuals, couples, or families. Adding a partner or children to your policy is a straightforward process and is often more convenient than having multiple individual policies.

What is the difference between moratorium and full medical underwriting?

Moratorium underwriting is quick as you don't declare your medical history upfront; instead, any condition from the past 5 years is automatically excluded. Full Medical Underwriting (FMU) involves completing a health questionnaire, and the insurer then tells you exactly what is excluded from the start. FMU provides certainty, while a moratorium is faster but can lead to ambiguity when you claim. An adviser can help you choose the best option for your situation.

Ready to find out more?

Contact WeCovr today for a free, no-obligation quote. Our expert advisors will compare Aviva with other leading UK providers to find the perfect private health cover for your needs and budget.

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!