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AXA Health vs Vitality Which PMI Is Best for Businesses

AXA Health vs Vitality Which PMI Is Best for Businesses

Choosing the right private medical insurance for your UK business is a crucial decision that impacts employee wellbeing and your bottom line. Here at WeCovr, an FCA-authorised broker with experience helping over 750,000 clients secure various policies, we’re comparing two titans of the industry: AXA Health and Vitality.

WeCovr analyses group policies from two of the UK's top providers

AXA Health and Vitality are household names in the UK private health cover market. Both offer excellent group schemes, but they do so with fundamentally different philosophies. AXA Health, part of a global insurance giant, is known for its traditional, high-quality clinical pathways and straightforward approach. Vitality, on the other hand, has built its brand around a dynamic, rewards-based model that encourages healthy living.

Deciding between them isn't about which is "better" overall, but which is the best fit for your company's culture, budget, and priorities. This comprehensive analysis will break down every key aspect, from core cover to wellness programmes, helping you make an informed choice for your team.

Why Should Your Business Invest in Private Medical Insurance?

In today's competitive job market, a strong benefits package is essential for attracting and retaining top talent. Private Medical Insurance (PMI) is consistently one of the most valued employee benefits. But its advantages go far beyond recruitment.

Benefits for Your Business:

  • Reduced Absenteeism: According to the Office for National Statistics (ONS), a record 185.6 million working days were lost to sickness or injury in 2022. PMI helps employees bypass long NHS waiting lists for diagnosis and treatment, getting them back to health and work faster.
  • Increased Productivity: A healthy workforce is a productive one. Knowing they have access to swift medical care reduces employee anxiety, and proactive wellness benefits can boost energy and focus.
  • Enhanced Employee Loyalty: Offering PMI demonstrates a genuine commitment to your team's health and wellbeing, fostering a positive company culture and improving staff morale.
  • A Key Tool for Talent Attraction: For high-skilled roles, PMI is often an expected part of the remuneration package. Not offering it can put you at a significant disadvantage.

Benefits for Your Employees:

  • Faster Access to Care: Employees can get prompt access to specialist consultations, diagnostic tests, and treatment for eligible acute conditions.
  • Choice and Control: They gain more control over where and when they are treated, with access to a nationwide network of private hospitals and specialists.
  • Comfort and Privacy: Treatment is often in a private room with amenities like an en-suite bathroom, offering a more comfortable recovery experience.
  • Access to Advanced Treatments: Some policies provide access to drugs and treatments not yet available on the NHS due to funding constraints.

A Critical Note on PMI Coverage: Acute vs. Chronic Conditions

Before we delve into the comparison, it's vital to understand a fundamental principle of all standard UK private medical insurance.

PMI is designed to cover 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. Think of conditions like hernias, joint problems requiring replacement, or cataracts.

Standard PMI does not cover pre-existing or chronic conditions.

  • Pre-existing Conditions: These are any health issues you had before your policy started.
  • Chronic Conditions: These are long-term illnesses that cannot be cured, only managed. Examples include diabetes, asthma, arthritis, and high blood pressure.

While PMI won't cover the routine management of a chronic condition, it may cover acute flare-ups if this is specified in your policy terms. Always check the details carefully.

Introducing the Contenders: A Snapshot of AXA Health and Vitality

AXA Health: The Trusted Clinical Expert

With roots stretching back 80 years, AXA Health (formerly AXA PPP healthcare) is a pillar of the UK health insurance market. As part of the global AXA Group, it leverages immense resources and a deep understanding of healthcare.

  • Ethos: Their focus is on providing high-quality, clinically-led healthcare pathways. The emphasis is on getting the member diagnosed and treated effectively by the right specialist, at the right time.
  • Best For: Businesses that prioritise straightforward, comprehensive medical cover and want a trusted, traditional insurance model without the requirement for employees to constantly engage with an app to earn benefits.

Vitality: The Innovative Wellness Champion

Vitality shook up the insurance world with its launch in the UK. Its unique "Shared Value" model is built on the idea that if members are healthier, it's better for them, for society, and for the insurer.

  • Ethos: To incentivise healthy behaviour. Members earn points for being active, which unlocks tangible rewards like coffee, cinema tickets, and discounts on smartwatches.
  • Best For: Companies with a young, active, and tech-savvy workforce that will be motivated by the rewards programme. It's ideal for businesses wanting to build a proactive wellness culture.

Core Cover Comparison: What's Included as Standard?

Both providers build their policies on a foundation of core cover. This is what you get as a minimum before adding any optional extras.

FeatureAXA Health (Business Health)Vitality (Business Healthcare)
Inpatient & Day-Patient CareCovered in full (specialist & hospital fees) in their network of hospitals.Covered in full for hospital fees and up to set limits for specialist fees within their consultant and hospital networks.
Cancer CoverComprehensive cancer cover as standard, including surgery, chemotherapy, and radiotherapy.Comprehensive cancer cover as standard, including a promise to cover all eligible costs for advanced cancer care.
NHS Cash BenefitYes, if an employee chooses to use the NHS for eligible inpatient treatment.Yes, if an employee uses the NHS for eligible inpatient treatment.
Post-Treatment TherapiesLimited cover for therapies like physiotherapy following eligible inpatient treatment.Limited cover for therapies like physiotherapy following eligible inpatient treatment.
Digital GP ServiceYes, Doctor at Hand (provided by a third party). Available 24/7.Yes, Vitality GP. Available 24/7.
Mental Health SupportAccess to a telephone support line for counselling is standard. Further support is an option.Telephone support and some initial talking therapies are included as standard.

Key Takeaway: At the core level, both providers offer robust protection for serious medical events that require hospitalisation. The primary focus is on getting you treated for major conditions. The main differences start to appear when you look at the optional extras.

Outpatient Cover Options: Tailoring Your Policy

Outpatient cover is for treatment that doesn't require a hospital bed, such as specialist consultations and diagnostic tests (MRI, CT scans). This is one of the most important and customisable parts of any PMI policy.

AXA Health's Approach

AXA offers a straightforward, tiered approach to outpatient cover. You can typically choose:

  1. No Outpatient Cover: The most basic option, relying on the NHS for diagnostics and consultations.
  2. Limited Outpatient Cover: A set financial limit per policy year (e.g., £500, £1,000, or £1,500) for all outpatient services.
  3. Full Outpatient Cover: No annual financial limit for consultations, tests, and scans.

Vitality's Approach

Vitality also offers tiered options but includes more built-in benefits, even at lower levels.

  1. Core Cover only: Relies on the NHS for most outpatient services.
  2. Standard Outpatient: Provides a set number of consultations and a limit for diagnostics.
  3. Full Outpatient Cover: Covers consultations and diagnostics in full.

Crucially, Vitality often includes some outpatient benefits, like their "Talking Therapies" for mental health, even on lower levels of cover as part of their wellness focus.

Here’s a simplified comparison of how their outpatient options might look:

Level of CoverAXA Health (Example)Vitality (Example)WeCovr's Insight
BasicNo outpatient cover.Limited diagnostics and access to some talking therapies.Vitality offers a little more "out-of-the-box" value here for proactive care.
Mid-Tier£1,000 outpatient limit per year.Set number of specialist consultations + financial limit on diagnostics.AXA's model is simpler to understand (one pot of money). Vitality's can be more complex but may offer higher limits for specific services.
ComprehensiveFull cover for all eligible outpatient services.Full cover for all eligible outpatient services.At the top end, both providers offer excellent, comprehensive cover. The choice comes down to price and other benefits.

The Wellness Proposition: AXA Feelgood Health vs. Vitality Active Rewards

This is where the two providers diverge most significantly.

AXA Health's "Feelgood Health" Programme

AXA's approach is a supportive, content-led wellness offering. It's less about daily tracking and more about providing resources to help employees manage their health.

Key Features:

  • Doctor at Hand: 24/7 access to a digital GP for appointments by video or phone. Prescriptions can be sent to a local pharmacy.
  • Health and Wellbeing Support: Access to online resources, articles, and guides on topics ranging from nutrition and sleep to stress management.
  • Stronger Minds: A pathway for mental health concerns, offering access to counsellors or therapists without needing a GP referral first.
  • Musculoskeletal Support: Members can often get direct access to physiotherapists for muscle, bone, and joint problems without a GP referral, speeding up recovery from common ailments.

The overall feel is one of professional, clinical support available when you need it. It’s a "pull" model – the resources are there for employees to access as and when they see fit.

Vitality's "Active Rewards" Programme

Vitality’s model is a proactive "push" model. It actively encourages and rewards daily healthy behaviours.

How it Works:

  1. Track Activity: Employees link a fitness tracker (like an Apple Watch, Garmin, or even a smartphone) to the Vitality Member app.
  2. Earn Points: They earn points for activities like walking a certain number of steps, working out, or attending a mindfulness session.
  3. Get Rewarded: The more points they earn, the higher their "Vitality Status" (Bronze, Silver, Gold, Platinum). Points unlock weekly and monthly rewards.

Popular Rewards Include:

  • A weekly coffee from Caffè Nero.
  • Weekly cinema tickets from Vue or Odeon.
  • Significant discounts on Apple Watches, running shoes from Runners Need, and gym memberships with Virgin Active or PureGym.

This gamified approach is highly effective for engagement but requires employees to actively participate to get the full value. If your team won't use the app or track activity, the core value proposition of Vitality is diminished.

Mental Health Support: A Top Priority for UK Businesses

Employee mental health has become a boardroom-level conversation. Both AXA and Vitality have invested heavily in their mental health support services.

AXA Health's Mental Health Pathway

  • Focus: A structured, clinically-governed pathway.
  • Access: Members can often self-refer via their "Stronger Minds" service without seeing a GP.
  • What's Offered: After an initial assessment, members are directed to the most appropriate care, which can include:
    • Telephone-based counselling.
    • Face-to-face or virtual sessions with therapists, psychologists, or psychiatrists.
    • Inpatient psychiatric care if needed and covered by the policy.
  • Strength: AXA's clinical reputation and established relationships with mental health professionals provide reassurance.

Vitality's Mental Health Pathway

  • Focus: Integrating mental wellbeing into the overall wellness programme.
  • Access: Members can access support via the Vitality GP app or a dedicated mental health helpline.
  • What's Offered:
    • Talking Therapies: A set number of cognitive behavioural therapy (CBT) or counselling sessions are often included as standard or as a low-cost add-on.
    • Mindfulness Apps: Members earn Vitality points for using apps like Headspace or Calm.
    • Comprehensive Care: Like AXA, they offer access to a full range of therapists and psychiatrists, and cover for inpatient care.
  • Strength: The proactive inclusion of talking therapies and integration with mindfulness apps makes mental health support highly accessible and helps to de-stigmatise its use.

Underwriting Options for Group Schemes

When you set up a group policy, you must decide how the insurer will handle your employees' medical histories. This is called underwriting.

  1. Full Medical Underwriting (FMU): Each employee completes a detailed health questionnaire. The insurer then lists specific "exclusions" for each member based on their pre-existing conditions. It's transparent but administratively heavy.
  2. Moratorium Underwriting (Mori): This is the most common type for smaller groups. No health questions are asked upfront. Instead, the insurer will generally not cover any condition that existed in the 5 years before the policy start date. However, if the member goes 2 full, continuous years on the policy without any symptoms, treatment, or advice for that condition, it may become eligible for cover.
  3. Medical History Disregarded (MHD): This is the premium option, usually only available to larger groups (e.g., 20+ employees). The insurer agrees to cover eligible acute conditions, regardless of a member's prior medical history. It's the most comprehensive but also the most expensive option.
  4. Continued Personal Medical Exclusions (CPME): This is for businesses switching from another provider. The new insurer agrees to carry over the same exclusions the employees had on their previous policy, ensuring continuity of cover.

An expert PMI broker like WeCovr can provide invaluable advice on which underwriting option is the most suitable and cost-effective for your specific business needs.

The Verdict: AXA Health or Vitality for Your Business?

There is no single "best" provider; there is only the best provider for your business. The choice hinges entirely on your company culture, employee demographics, and what you want the insurance to achieve.

ConsiderationChoose AXA Health if...Choose Vitality if...
Company CultureYou have a diverse workforce with varying levels of tech-savviness and want a simple, reliable benefit.You have a young, energetic, and competitive culture where "gamification" and rewards will drive engagement.
Simplicity vs. EngagementYou prefer a "set and forget" benefit that works brilliantly when needed, without requiring ongoing employee action.You want a benefit that actively engages employees daily and promotes a company-wide wellness culture.
Core Value PropositionYour priority is best-in-class clinical pathways and a straightforward claims process for when things go wrong.Your priority is proactive health improvement and rewarding employees for looking after themselves.
Employee DemographicsYour team spans a wide age range, including those less likely to use fitness trackers or apps.Your team is predominantly younger, physically active, and comfortable using technology to manage their lives.
Administrative PreferenceYou want a simple, easy-to-understand policy structure focused purely on healthcare access.You are happy to promote the wellness programme internally to ensure your company gets the full value from the premium.

WeCovr's Added Value: Expert Advice and More

Choosing the right group PMI policy is a complex task. As an independent, FCA-authorised broker, WeCovr simplifies this process at no extra cost to you.

  • Whole-of-Market Advice: We compare policies not just from AXA and Vitality, but from all leading UK insurers, ensuring you get the perfect fit.
  • Expert Guidance: Our specialists explain the jargon and help you navigate the complexities of underwriting, hospital lists, and optional extras to build a policy that meets your budget.
  • Exclusive Benefits: When you arrange your PMI or Life Insurance with us, you gain complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, helping your team take control of their diet. You can also benefit from discounts on other types of business and personal insurance.
  • Trusted Service: Our high customer satisfaction ratings are a testament to our commitment to finding the right cover for every client.

Is business health insurance considered a taxable benefit for employees?

Yes, in the UK, when a company pays for an employee's private medical insurance, it is considered a 'benefit-in-kind'. This means the employer must report it to HMRC on a P11D form, and the employee will have to pay income tax on the value of the premium. The business itself can usually claim the cost of the premiums as a tax-deductible business expense.

How many employees do I need for a group private health insurance policy?

Most insurers, including AXA Health and Vitality, will offer a group scheme for businesses with as few as two employees. However, some of the more comprehensive options, such as 'Medical History Disregarded' underwriting, are typically only available to larger groups, often starting at 20 or more employees. Small businesses with just a couple of staff can still access excellent group rates and benefits.

Will business PMI cover pre-existing medical conditions?

Generally, no. Standard private medical insurance in the UK, whether for an individual or a group, is designed to cover new, acute conditions that arise after the policy begins. Pre-existing conditions are typically excluded, especially under Moratorium underwriting. The main exception is for large corporate schemes that have 'Medical History Disregarded' (MHD) underwriting, which is the most comprehensive and expensive option.

Ready to find the perfect private medical insurance solution for your business? The expert team at WeCovr is here to help. We'll provide a free, no-obligation comparison of the market to find a policy that protects your team and supports your business goals.

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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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