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AXA Health vs Aviva Best UK PMI for Businesses in 2025

AXA Health vs Aviva Best UK PMI for Businesses in 2025 2025

As an FCA-authorised broker that has helped arrange over 750,000 policies, WeCovr understands the UK private medical insurance market inside out. Choosing the right health cover for your business is a crucial decision, impacting both your employees' wellbeing and your company's bottom line. In this guide, we put two of the UK's leading providers under the microscope.

WeCovr compares the top two providers for SME and corporate health cover

When it comes to protecting your team's health, AXA Health and Aviva are two of the most trusted names in the UK. Both offer exceptional private medical insurance (PMI) plans for businesses, but they have distinct strengths and approaches.

Deciding between them depends on your company's specific priorities. Are you focused on proactive wellness and mental health support? Or is a vast, flexible hospital network the most important factor? This comprehensive 2025 comparison will break down every key aspect, from core cover and cancer care to digital tools and cost, helping you make an informed choice for your Small to Medium Enterprise (SME) or large corporation.

Why Business Health Insurance is More Important Than Ever in 2025

The landscape of employee benefits and healthcare in the UK has changed dramatically. Offering private health cover is no longer a 'nice-to-have' for a select few; it's a strategic tool for businesses of all sizes.

According to the latest data from the Office for National Statistics (ONS), sickness absence rates remain a significant concern for UK businesses, costing the economy billions annually. Simultaneously, NHS waiting lists continue to be a major issue. Figures from NHS England in early 2025 show that millions are waiting for routine consultant-led treatment, with many waiting over a year.

This challenging environment creates a compelling case for business PMI:

  • For the Business:

    • Reduced Absenteeism: Fast access to diagnosis and treatment means employees get well and return to work sooner.
    • Attract & Retain Top Talent: A strong health insurance package is a highly valued benefit that can set you apart from competitors.
    • Boost Productivity & Morale: Showing you care for your team's health fosters a positive and loyal company culture.
    • Duty of Care: It demonstrates a tangible commitment to employee wellbeing.

  • For the Employee:

    • Peace of Mind: Knowing they can bypass long waits for eligible conditions is a huge relief.
    • Choice and Control: They gain more control over when and where they receive treatment, with access to private rooms.
    • Access to Specialist Care: Quicker access to leading consultants and advanced treatments.
    • Valuable Digital Tools: 24/7 access to digital GPs, mental health support, and wellness apps.

Understanding the Basics of UK Private Medical Insurance (PMI)

Before we dive into the comparison, it's vital to understand what private medical insurance is designed for.

Critical Information: PMI is for Acute Conditions

Standard UK private health cover is designed to treat acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include joint replacements, cataract surgery, or hernia repairs.

Crucially, PMI does not cover pre-existing or chronic conditions.

  • Pre-existing Conditions: Any illness or injury you had before the policy start date.
  • Chronic Conditions: Illnesses that are long-term and cannot be cured, only managed. Examples include diabetes, asthma, arthritis, and high blood pressure.

Key PMI Terms Explained

  • Underwriting: This is how an insurer assesses risk and decides what to cover. The main types for businesses are:
    • Moratorium (Mori): The most common type for small SMEs. The insurer doesn't ask for medical history upfront. Instead, they automatically exclude conditions you've had symptoms, treatment, or advice for in the 5 years before joining. However, if you go 2 full years on the policy without any issues relating to that condition, it may become eligible for cover.
    • Full Medical Underwriting (FMU): You provide a full medical history for all employees. The insurer then lists specific exclusions from the start. It's more work initially but provides complete clarity on what is and isn't covered.
    • Medical History Disregarded (MHD): Usually only available for larger corporate groups (typically 20+ employees). The insurer agrees to cover eligible pre-existing conditions, subject to the policy terms. It's the most comprehensive but also the most expensive option.
  • Excess: The amount an employee pays towards a claim each policy year. A higher excess (e.g., £250) will lower the overall premium.
  • Hospital List: The list of private hospitals and facilities your plan gives you access to. A more limited list reduces the premium.
  • Outpatient Cover: This covers consultations and diagnostics that don't require a hospital bed. It's usually an optional extra or has a set financial limit (e.g., £1,000 per year).

As an expert PMI broker, WeCovr can walk you through these options to find the perfect underwriting and cover structure for your business.

Introducing the Contenders: AXA Health vs. Aviva at a Glance

AXA and Aviva are both titans of the UK insurance industry, but they have cultivated different areas of expertise within the PMI market.

AXA Health: Part of the global AXA Group, AXA Health positions itself as a health and wellbeing partner, not just an insurer. Their philosophy is built on proactive health management, with a strong emphasis on preventative care, mental health support, and guided clinical pathways. They are known for their high-quality clinical governance.

Aviva: As the UK's largest general insurer, Aviva brings enormous brand trust and a reputation for comprehensive, flexible cover. Their strength lies in their extensive hospital network, highly customisable policies, and a powerful, user-friendly digital ecosystem for members.

Here’s a quick snapshot of how they stack up:

FeatureAXA HealthAviva
HeritageGlobal health specialist with deep clinical expertiseUK's largest and most established insurer
Core FocusProactive health, wellbeing, and guided careComprehensive, flexible cover with wide choice
Digital GPDoctor at Hand serviceAviva Digital GP (powered by Square Health)
Mental Health'Stronger Minds' pathway, often with no GP referral neededIntegrated mental health support and therapy access
Hospital NetworkGuided and Standard options to manage cost and choice'Key' and 'Expert Select' lists for flexibility
Ideal For...Businesses prioritising preventative health and mental wellbeingBusinesses wanting broad choice and customisable plans

Deep Dive: Core Cover and Policy Options Compared

All business PMI policies are built around a core foundation of cover, with optional extras allowing you to tailor the plan to your budget and needs.

Inpatient and Day-Patient Cover

This is the heart of any PMI policy, covering treatment where a hospital bed is required (overnight or for the day).

  • AXA Health: Their Business Health plan provides comprehensive inpatient and day-patient cover as standard. This includes hospital charges, specialist fees, and diagnostics like MRI/CT scans related to the admission.
  • Aviva: Their Solutions plan for SMEs and Optimum plan for corporates also provide full cover for inpatient and day-patient treatment, with fees covered in full subject to their fee guidelines.

Both providers are evenly matched on this core element, offering robust protection for serious medical needs.

Cancer Cover: A Critical Benefit

This is one of the most valued parts of any PMI policy. Both AXA and Aviva offer outstanding cancer care as standard, but with slightly different features.

  • AXA Health's Cancer Care:

    • Full cover for diagnostics, surgery, and treatments like chemotherapy and radiotherapy.
    • Access to the latest approved cancer drugs, even if they aren't available on the NHS.
    • Dedicated support from a team of experienced cancer nurses.
    • Continued cover for monitoring and follow-up consultations.
    • Contribution towards wigs and prostheses.

  • Aviva's Cancer Cover:

    • Also covers surgery, treatments, and diagnostics comprehensively.
    • Includes cover for bone marrow transplants and stem cell treatment.
    • Provides an NHS Cancer Cash Benefit if the member chooses to use the NHS for their cancer treatment (£100 per day).
    • Support and guidance from dedicated oncology specialists.
    • Also includes cover for wigs and prostheses.
Cancer Care FeatureAXA HealthAviva
Full Cover for TreatmentYes, comprehensiveYes, comprehensive
Advanced/Experimental DrugsYes, if on their approved listYes, subject to policy terms
Dedicated Nurse SupportYes, highly ratedYes, dedicated oncology team
NHS Cash BenefitYes, available as an optionYes, included as standard
Prostheses & WigsYes, includedYes, included

Both providers offer market-leading cancer cover. The choice may come down to smaller details, like whether the NHS cash benefit is standard or an add-on.

Outpatient Cover

This is where customisation really begins. Outpatient cover pays for specialist consultations and diagnostic tests that don't require a hospital stay.

  • AXA Health: Offers a range of outpatient limits, from a basic £500 or £1,000 per year up to a fully comprehensive option with no yearly limit. They also have a 'Therapies' option covering physiotherapy, osteopathy, and more.
  • Aviva: Similarly provides a sliding scale of outpatient cover, allowing you to choose a limit that suits your budget. They often bundle therapies into their outpatient limits, giving employees a single pot of money to use for consultations, scans, and physical therapy.

Limiting outpatient cover is one of the most effective ways to manage the cost of a business PMI policy.

Mental Health Cover

Employee mental health is a top priority for UK businesses in 2025. Both AXA and Aviva have invested heavily in their mental health support.

  • AXA Health: Their 'Stronger Minds' service is a standout feature. It gives members direct access to counsellors or psychologists, often without needing a GP referral first. This removes a significant barrier to getting help quickly. Cover is available for both inpatient and outpatient psychiatric treatment.
  • Aviva: Aviva also provides a comprehensive mental health pathway. This includes access to therapy sessions, support for stress and anxiety, and cover for psychiatric care. Their digital tools provide a wealth of resources for mental wellbeing.

Both providers excel here, recognising the parity between mental and physical health. AXA's direct access model can be a particularly powerful benefit for employees reluctant to speak to their GP first.

Added Value: What Else Do AXA Health and Aviva Offer?

A modern PMI policy is about more than just treatment. It's a complete health and wellbeing package.

Digital GP Services

24/7 access to a GP from a smartphone is a game-changer for busy employees.

  • AXA Health: Offers the Doctor at Hand service. This provides unlimited video or phone consultations with a registered GP, 24/7, 365 days a year. They can issue prescriptions, make referrals, and provide medical advice.
  • Aviva: Provides the Aviva Digital GP service, powered by Square Health. It offers similar functionality, including 24/7 access to GP appointments, repeat NHS prescriptions, and medical advice for the whole family (even non-insured partners and children).

Wellness & Prevention Programmes

This is where AXA's philosophy really shines, but Aviva also has a strong offering.

  • AXA Health:

    • Proactive Health Hub: An online portal with health assessments, coaching, and expert content.
    • ActivePlus: Discounts on memberships at a wide range of UK gyms and health clubs.
    • Working Body: A service designed to manage musculoskeletal issues (like back or joint pain) early, often via physiotherapy, without needing a GP referral.

  • Aviva:

    • Aviva Wellbeing App: A comprehensive app with health tracking, challenges, and a library of articles and tips on sleep, nutrition, and fitness.
    • Get Active: Offers discounts on gym memberships, fitness trackers, and other wellbeing products.

WeCovr's Exclusive Member Benefits

When you choose WeCovr to arrange your company's private health cover, your team gets even more value.

  1. Complimentary CalorieHero App: All insured employees receive free premium access to CalorieHero, our AI-powered calorie and nutrition tracking app. It's a simple, effective tool to help your team manage their diet and achieve health goals.
  2. Exclusive Discounts: As a WeCovr client, your business and your employees can access preferential rates on other insurance products, from business liability to personal life insurance.

Underwriting and Claims Process: How Do They Compare?

A smooth claims process is essential for a positive employee experience.

  • Underwriting: Both AXA and Aviva offer the full range of underwriting options: Moratorium, Full Medical Underwriting, and Medical History Disregarded for larger groups. A specialist broker like WeCovr will advise on the best fit for your company's size and history. Switching from another provider is also straightforward with Continued Personal Medical Exclusions (CPME) underwriting.

  • Claims Process:

    1. GP Referral: The employee usually visits their NHS GP (or uses the plan's Digital GP) to get a referral to a specialist.
    2. Authorisation: Before any treatment or consultation, the employee must call the insurer to get the claim authorised. Both AXA and Aviva have expert teams to handle this and will confirm cover and guide the member.
    3. Treatment: The employee receives treatment at a hospital or clinic from the insurer's approved list.
    4. Payment: The insurer settles the bill directly with the hospital or specialist.

Both providers have streamlined digital portals and apps to make starting and tracking a claim simple. Aviva's 'Expert Select' tool is particularly useful for helping members find a pre-approved specialist and hospital.

Hospital Lists: Access to Private UK Hospitals

The hospital list you choose directly impacts the cost of your premium and where your employees can be treated.

  • AXA Health: Their main list is the Directory of Hospitals. To manage costs, they offer their Guided Option. With this, the member is given a choice of up to three high-quality, vetted specialists for their condition, which can significantly reduce the policy premium. This provides a balance between choice and cost-effectiveness.

  • Aviva: Aviva's hospital lists are well-known.

    • Key: A more restricted list of quality private hospitals that helps keep premiums low. It still provides excellent nationwide coverage but excludes some of the most expensive central London hospitals.
    • Expert Select: Their standard and most popular list, offering access to a huge range of private and NHS Private Patient Units across the UK.
Hospital List TierDescriptionImpact on Premium
Restricted (e.g., Aviva Key)A curated list of quality, cost-effective hospitals.Lower premium
Standard (e.g., Aviva Expert Select)Wide access to most private hospitals nationwide.Standard premium
Guided (e.g., AXA Guided Option)Insurer helps choose from a shortlist of specialists.Lower premium
Premium / London UpgradeIncludes top-tier private hospitals, often in Central London.Higher premium

Cost Comparison: What Factors Influence Premiums?

It is impossible to give an exact price without a detailed quote, as premiums are unique to each business. The final cost depends on a combination of factors:

  • Average Age of Employees: Older employees generally mean higher premiums.
  • Location: Postcodes, particularly in Central London and the South East, influence cost.
  • Level of Cover: The more optional extras you add (e.g., full outpatient, dental), the higher the price.
  • Excess: A higher excess (£250, £500) will lower the premium.
  • Hospital List: Choosing a restricted or guided list will reduce the cost.
  • Industry: The type of work your employees do can sometimes be a factor.

The only way to get a true picture of the cost is to get a tailored quote. An independent PMI broker like WeCovr can compare the entire market, ensuring you get the most competitive price from AXA, Aviva, and other leading UK providers for the level of cover you need.

Which Provider is Best for Your Business? Our Verdict

There is no single "best" provider; the right choice depends entirely on your business's culture, budget, and priorities.

Choose AXA Health if...

  • Your company culture is built around proactive wellbeing and preventative health.
  • You want a market-leading, easily accessible mental health pathway for your team.
  • You are interested in guided care options to ensure clinical quality while managing costs.
  • You value the reassurance of a global health specialist with deep clinical roots.

Choose Aviva if...

  • You need a highly flexible and customisable plan that can be tailored to precise needs.
  • A vast hospital network and maximum choice of specialists is a top priority for your employees.
  • You want a powerful, integrated digital experience through the MyAviva and Aviva Wellbeing apps.
  • You value the brand recognition and trust of the UK's largest insurer.

How WeCovr Makes Choosing Your Business PMI Simple

Navigating the options from AXA Health, Aviva, and other insurers can feel overwhelming. That's where WeCovr comes in.

  • Independent & Impartial: We are not tied to any single insurer. Our advice is based entirely on your business's best interests.
  • Market Experts: We live and breathe the UK private medical insurance market. We know the policies, the providers, and how to get the best value.
  • No-Cost Service: Our expert advice and market comparison service is completely free for you. We are paid a commission by the insurer you choose, which is built into the standard price.
  • Ongoing Partnership: We don't just set up your policy. We're here to help at renewal to ensure you always have the right cover at the right price, and to assist with any queries along the way.

Let us do the hard work of comparing the market, so you can focus on running your business.

Frequently Asked Questions (FAQs)

Does business health insurance cover pre-existing conditions?

Generally, no. Standard UK private medical insurance is designed for new, acute conditions that arise after you take out the policy. Most policies for small businesses will exclude conditions an employee has experienced in the five years before joining. However, for larger corporate schemes (e.g., 20+ employees), it is possible to get 'Medical History Disregarded' underwriting, which can cover eligible pre-existing conditions. An expert broker can advise on the best option.

What is the difference between an SME and a corporate health insurance plan?

The main difference is the number of employees and the underwriting options. SME (Small to Medium Enterprise) plans are typically for businesses with 2 to 249 employees and often use Moratorium or Full Medical Underwriting. Corporate plans are for larger businesses (250+) and can offer more flexible terms, such as Medical History Disregarded underwriting, and may have more bespoke reporting and administration features.

How much does business health insurance cost per employee?

The cost varies significantly based on several factors: the average age of your employees, your business location, the level of cover chosen (e.g., outpatient limits, dental cover), the policy excess, and the hospital list. A basic policy for a young workforce outside of London could be as low as £30-£40 per employee per month, while a comprehensive policy for an older workforce in London could be over £100. The only way to know for sure is to get a tailored quote.

Is business health insurance a taxable benefit in the UK?

Yes. When an employer pays for an employee's private medical insurance, it is considered a 'benefit-in-kind' by HMRC. This means the employee will have to pay income tax on the value of the premium, and the employer will have to pay Class 1A National Insurance contributions. The cost of the premium is usually an allowable business expense for corporation tax purposes.

Ready to find the best health cover for your team? The UK private medical insurance market can be complex, but you don't have to navigate it alone.

Contact WeCovr today for a free, no-obligation comparison and quote. Let our experts find the perfect fit from AXA, Aviva, and more for your business needs and budget.

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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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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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