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AXA Health PMI Comprehensive Cover for UK Families

AXA Health PMI Comprehensive Cover for UK Families 2025

As an FCA-authorised broker that has helped arrange over 750,000 policies, WeCovr provides expert reviews on private medical insurance in the UK. This guide explores AXA Health’s comprehensive family cover, offering you the clarity needed to protect the people who matter most.

WeCovr reviews AXA's PMI plans and compares them with other leading providers

Choosing the right private medical insurance (PMI) for your family is one of the most important financial decisions you can make. It’s a commitment to their health and wellbeing, providing peace of mind and fast access to high-quality medical care when you need it most.

AXA Health is one of the UK’s most established and respected health insurers. Their comprehensive plans are a popular choice for families seeking extensive cover and excellent service. In this definitive guide, we will break down everything AXA Health offers, compare it with other market leaders like Bupa and Vitality, and explain how to find the best value for your specific needs.

What is Private Medical Insurance and Why Consider It in the UK?

First, let's cover the basics. Private medical insurance is a policy you pay for that covers the cost of private healthcare for specific medical conditions. It works alongside the NHS, not as a replacement for it.

The NHS provides exceptional care to millions, but it is facing unprecedented pressure. According to the latest NHS England data for early 2025, the elective care waiting list continues to hover around 7.5 million treatment pathways. For families, this can mean long, anxious waits for consultations, scans, and non-urgent operations.

This is where PMI steps in. Its primary benefit is to bypass these waiting lists for eligible conditions, giving you:

  • Speedy Access: Quicker appointments with specialists and consultants.
  • Choice and Control: More choice over the hospital you're treated in and the specialist who treats you.
  • Comfort and Privacy: Often includes a private room with an en-suite bathroom during hospital stays.
  • Access to Specialist Drugs: Potential access to drugs and treatments not yet available on the NHS due to funding or approval delays.

The Golden Rule of UK PMI: Acute vs. Chronic Conditions

It's absolutely vital to understand this distinction. Standard UK private medical insurance is designed to cover acute conditions that arise after your policy begins.

  • 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 joint replacements, cataract surgery, or hernia repairs.
  • A chronic condition is a long-term illness that cannot be cured but can be managed. Examples include diabetes, asthma, arthritis, and high blood pressure.

PMI does not cover chronic or pre-existing conditions. If you have a medical issue before you take out a policy, it will be excluded from your cover. Always be transparent about your medical history when applying.

A Deep Dive into AXA Health's Comprehensive Cover

AXA Health’s main policy is called Personal Health. It's designed to be flexible, allowing you to build a plan that fits your family's needs and budget. It starts with a core foundation and allows you to add optional extras.

Core Cover: The Foundation of Your Policy

Every AXA Personal Health plan includes comprehensive core cover as standard. This is the bedrock of your protection.

  • In-patient and Day-patient Treatment: This covers tests and surgery when you are admitted to a hospital, either overnight (in-patient) or for the day (day-patient). This is paid in full, including hospital fees, specialist fees, and anaesthetist fees, as long as the treatment is eligible and you use a hospital from your chosen list.
  • Extensive Cancer Cover: This is a major strength of AXA's plan. It covers diagnosis and treatment for cancer, including surgery, chemotherapy, and radiotherapy. It also includes ongoing monitoring and support.
  • NHS Cash Benefit: If you choose to have eligible in-patient treatment on the NHS instead of using your private cover, AXA will pay you a cash amount (e.g., £100 per night) up to a certain limit.
  • AXA Doctor at Hand: This provides 24/7 access to a private GP by phone or video call, often with an appointment available within hours. This is incredibly useful for busy families, saving you a trip to your local surgery for advice, prescriptions, or referrals.

Optional Add-ons: Tailoring Your Cover

This is where you can customise your plan. The main options to consider are:

  1. Out-patient Cover: This is one of the most important and popular add-ons. It covers consultations with specialists and diagnostic tests (like MRI or CT scans) that don't require a hospital admission. AXA offers different levels, from a full-cover option to capped amounts (e.g., £500 or £1,000 per year) to help manage premiums.
  2. Therapies Cover: This option covers treatment from physiotherapists, osteopaths, and chiropractors. For active families or those with children involved in sports, this can be invaluable for treating sprains and injuries quickly.
  3. Mental Health Cover: While core cover includes some initial support, this add-on provides more extensive access to psychiatrists and psychologists for in-patient and out-patient treatment. Given the growing focus on mental wellbeing, this is a vital consideration for many families.
  4. Dental and Optical Cover: This helps with routine costs like check-ups, fillings, new glasses, and contact lenses. It operates more like a cashback plan and is separate from the core medical insurance.

Underwriting Options Explained

When you apply for PMI, the insurer needs to know about your medical history to decide what they can cover. AXA offers two main ways of doing this:

Underwriting TypeHow It WorksBest For
Moratorium (Mori)You don't declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms, treatment, or advice for in the last 5 years. This exclusion can be lifted if you go 2 full years on the policy without any issues relating to that condition.People who want a quicker application process and have had a relatively clean bill of health for the past few years.
Full Medical Underwriting (FMU)You complete a detailed health questionnaire, listing all your past medical conditions. The insurer then reviews this and tells you exactly what is excluded from day one.People who want absolute certainty about what is and isn't covered from the start, or who have a more complex medical history.

The AXA Health Hospital List

AXA, like all major insurers, has a directory of approved hospitals. Your choice of hospital list directly impacts your premium.

  • Directory of Hospitals: AXA's standard list provides access to a wide network of private hospitals across the UK.
  • Guided Option (e.g., Guided Fast Track): By agreeing to use a smaller, pre-selected list of high-quality hospitals for certain procedures, you can significantly reduce your premium. This offers less choice but better value.

How Does AXA Health Compare to Other Leading UK Providers?

No single provider is the "best" for everyone. The right choice depends on your family's priorities—be it comprehensive mental health support, rewards for a healthy lifestyle, or simply the most competitive price.

An independent broker like WeCovr can provide a whole-of-market comparison at no cost to you, but here’s a high-level overview of how AXA Health stacks up against its main competitors, Bupa and Vitality.

FeatureAXA Health (Personal Health)Bupa (Bupa By You)Vitality (Personal Healthcare)
Core PhilosophyFlexible, traditional cover with a strong focus on service and cancer care.A trusted, established brand known for comprehensive cover and a vast network.Focus on wellness and rewarding healthy living with discounts and perks.
GP AccessAXA Doctor at Hand: 24/7 digital GP service included as standard.Digital GP: 24/7 digital GP service included as standard.Vitality GP: 24/7 digital GP service included as standard.
Mental HealthStrong optional add-on for comprehensive mental health treatment.Comprehensive mental health cover included as standard on their comprehensive plan.Integrated mental health support, with cover limits often tied to your Vitality Status.
Wellness ProgrammeLess focus on a formal rewards programme compared to Vitality.Bupa Touch app offers health information but fewer tangible rewards.The Vitality Programme: A major feature. Earn points for activity to get rewards like cinema tickets, coffee, and lower premiums.
Out-patient OptionsFlexible, with full cover or capped options (£500, £1,000 etc.)Flexible, with full cover or capped options.Full cover is standard, but you can add an excess to reduce cost.
Unique Selling PointExcellent cancer care proposition and strong customer service reputation.Very strong brand recognition and direct access to their own network of clinics and centres.The active rewards programme is a powerful incentive for engaged members.

AXA Health vs. Bupa

  • Similarities: Both are titans of the UK health insurance industry. They offer very similar, high-quality comprehensive plans with flexible options for out-patient cover and hospital lists.
  • Differences: Bupa often includes slightly more mental health cover as standard on its higher-tier plans. AXA is frequently praised for its straightforward claims process and customer service. Pricing can be very competitive between the two, often depending on your age and location.

AXA Health vs. Vitality

  • Similarities: Both offer excellent core medical insurance with fast access to diagnosis and treatment.
  • Differences: This is a clash of philosophies. AXA provides a more traditional, straightforward insurance product. Vitality integrates insurance with a lifestyle programme. If your family is highly active and you're confident you'll engage with the Vitality app to track activity and earn points, you could benefit from significant rewards and potentially lower long-term premiums. If you prefer a simpler "set and forget" policy without the need to track your behaviour, AXA is a more direct and less complicated choice.

Understanding the Costs of Family PMI with AXA

The cost of private medical insurance UK varies widely. Your premium is a personalised calculation based on several key factors.

Factors That Influence Your Premium

  1. Age: The older you are, the higher the statistical likelihood of claiming, so premiums increase with age.
  2. Location: Healthcare costs vary across the country. Living in London and the South East, where hospital costs are higher, typically results in higher premiums.
  3. Level of Cover: The more options you add (like full out-patient, therapies, and dental), the more your policy will cost.
  4. Excess Level: An excess is the amount you agree to pay towards a claim. Choosing a higher excess (e.g., £250 or £500) will lower your monthly premium.
  5. Hospital List: Choosing a more restricted hospital list will reduce your premium.
  6. Underwriting: Moratorium underwriting is often slightly more expensive than Full Medical Underwriting due to the insurer taking on more unknown risk.

Example Monthly Premiums (Illustrative)

To give you an idea, here are some illustrative monthly premiums for an AXA Health Personal Health plan. These are for guidance only and are not a quote. Your actual price will depend on the factors above.

Family ProfileLocationAssumed CoverEstimated Monthly Premium
Young Family (Ages 32, 30, child 2)ManchesterCore cover, £1,000 out-patient, £250 excess£120 - £160
Established Family (Ages 45, 43, teens 14, 16)BristolCore cover, full out-patient, therapies, £100 excess£250 - £320
Single Parent Family (Age 38, child 8)EdinburghCore cover, £500 out-patient, £500 excess, guided hospital list£80 - £110

How to Manage Costs and Get the Best Value

  • Increase Your Excess: This is the quickest way to reduce your premium. Just be sure you can comfortably afford to pay it if you need to claim.
  • Review Your Out-patient Cover: Do you need unlimited out-patient cover, or would a £1,000 cap suffice? The NHS is often efficient for initial GP referrals and diagnostics.
  • Use a Guided Hospital List: If you're happy to have a slightly more limited choice of hospitals, AXA's guided options offer excellent value.
  • Speak to a Broker: This is the single most effective step. An independent PMI broker like WeCovr analyses the whole market to find the policy that gives you the right cover at the best possible price. We do the shopping around for you, saving you time and money.

Beyond Insurance: AXA's Commitment to Family Wellness

Modern health insurance isn't just about being there when you're ill; it's also about helping you stay healthy. While AXA may not have a formal points-based system like Vitality, they provide a wealth of resources aimed at improving family wellbeing.

  • Health and Wellbeing Hub: Policyholders get access to an online portal filled with articles, videos, and advice on everything from nutrition and fitness to managing stress and improving sleep.
  • Proactive Health Support: For certain conditions, AXA provides support from dedicated nurses to help you manage your health and recovery.
  • Focus on Young People's Mental Health: Recognising the growing pressures on children and teens, AXA's enhanced mental health options and online resources provide valuable support for the whole family.

A healthy family lifestyle is the best insurance of all. Simple habits can make a huge difference:

  • Diet: Aim for balanced meals rich in fruits, vegetables, and whole grains. Cooking together can be a great family activity.
  • Activity: The NHS recommends children aged 5 to 18 do at least 60 minutes of moderate to vigorous physical activity each day. Family walks, bike rides, or just a kickabout in the park all count.
  • Sleep: Consistent sleep schedules are vital for physical and mental health, for both children and adults. Aim for 7-9 hours for adults and 9-11 hours for school-age children.

How WeCovr Makes Choosing the Right PMI Simple

The UK private health cover market is complex. With dozens of providers, policies, and options, trying to figure it all out on your own can be overwhelming. That’s where we come in.

WeCovr is an independent, FCA-authorised insurance broker. Our mission is to provide clear, impartial advice to help you make an informed decision. Here’s how we help:

  1. We Listen: We start by understanding your family's unique needs, health concerns, and budget.
  2. We Compare: We use our expertise and technology to compare policies from AXA and all other leading UK insurers. We explain the subtle but important differences in policy wording.
  3. We Advise: We present you with the best options, explaining the pros and cons of each, so you can choose with confidence.
  4. We Save You Money: Our advice is completely free to you. Because we deal in volume, we can often access preferential rates.
  5. We Add Value: When you arrange a PMI or Life Insurance policy through WeCovr, you get complimentary access to our AI-powered nutrition app, CalorieHero, to support your family's health goals. You also receive exclusive discounts on other types of insurance you might need, such as home or travel cover.

Our high customer satisfaction ratings are a testament to our commitment to putting our clients first.

Frequently Asked Questions about Family PMI

Will my family's AXA Health policy cover pre-existing medical conditions?

No. This is a fundamental principle of all standard UK private medical insurance. PMI is designed to cover new, acute medical conditions that arise *after* your policy has started. Any conditions for which you or your family members have experienced symptoms, received advice, or had treatment for in the years before taking out the policy will be excluded. Chronic conditions like diabetes or asthma are also not covered.

How do I make a claim on my family's private health insurance?

The process is straightforward. First, you visit your NHS GP for an initial diagnosis. If they recommend you see a specialist, you call your insurer (e.g., AXA Health) to open a claim. They will check your cover, authorise the treatment, and explain the next steps, including which specialists and hospitals you can use from your chosen list. Many insurers, including AXA, also offer digital GP services that can provide an open referral, speeding up the process.

Can I switch my family's health insurance from another provider to AXA Health?

Yes, you can switch providers, and it's often a good way to ensure you're getting the best value. It's important to do this on a 'Continued Medical Exclusions' (CME) basis. This means the new insurer agrees to carry over the same exclusions you had on your old policy, without adding new ones for conditions that have developed while you were covered. An expert PMI broker can manage this process for you to ensure your continuity of cover is protected.

Get Your Personalised Family Health Insurance Quote

Protecting your family’s health is a priority. An AXA Health policy offers a comprehensive and reliable way to ensure they get the best care, fast. But finding the perfect balance of cover and cost requires expert guidance.

Let WeCovr do the hard work for you. Our specialist advisors will compare AXA Health with all the other leading providers to find the ideal solution for your family. The advice is free, impartial, and could save you hundreds of pounds.

Contact WeCovr today for your free, no-obligation quote and discover the peace of mind that comes with the right private medical insurance.

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Why private medical insurance and how does it work?

What is Private Medical Insurance?

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

How does it work?

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

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

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

Questions to ask yourself regarding private medical insurance

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

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

Why is it important to get private medical insurance early?

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

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

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

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

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

By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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1. Complete a brief form
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3. Enjoy your protection!
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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.

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