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Best PMI for Maternity Cover in the UK

Best PMI for Maternity Cover in the UK 2025

As an FCA-authorised broker that has helped arrange over 750,000 policies, WeCovr understands the nuances of the private medical insurance market in the UK. This guide explores the often-misunderstood topic of maternity cover, providing clarity for individuals and families planning for the future.

WeCovr reviews which insurers provide the most comprehensive pregnancy and childbirth cover

Navigating the world of private medical insurance (PMI) can be complex, and nowhere is this more true than when it comes to cover for pregnancy and childbirth. Many hopeful parents are surprised to learn that standard UK PMI policies do not typically cover routine maternity care. This is because pregnancy is not considered an 'acute condition' – a sudden, unforeseen illness or injury – which is the primary focus of private health cover.

Instead, the UK relies on the exceptional, comprehensive maternity services provided by the NHS, which are free at the point of use. Private medical insurance, therefore, plays a different role. It is designed to supplement NHS care, offering peace of mind and faster access to treatment for specific, unexpected complications that can arise during pregnancy and childbirth.

In this definitive guide, we will explore which insurers offer the best options for maternity-related care, what is realistically covered, the importance of waiting periods, and how you can make an informed choice for your family's future.

Why is Routine Maternity Cover Excluded from Most UK PMI Policies?

Understanding why insurers take this approach is key to setting realistic expectations. The primary reason is a concept known as "adverse selection" or "anti-selection."

If insurers offered comprehensive maternity cover as a standard or low-cost add-on, people would likely only purchase it when they were actively planning to have a baby. They would claim for the high costs of private birth (which can range from £6,000 to over £20,000) and then potentially cancel the policy afterwards. This would make the product financially unsustainable for the insurer, as the premiums collected would not cover the claims paid out.

To manage this risk, insurers typically:

  1. Exclude routine pregnancy and childbirth (e.g., antenatal scans, midwife appointments, planned deliveries).
  2. Offer cover only for specific, unforeseen complications.
  3. Impose long waiting periods (often 10-24 months) before any maternity-related benefits become active. This ensures the policyholder has paid into the scheme for a significant period before they can claim.

Crucial Point: Private medical insurance is not a substitute for NHS maternity care. It is a safety net for when things don't go as planned.

What Kind of Maternity Benefits Can You Actually Get with UK PMI?

While full cover for a private birth is exceptionally rare on standard UK policies, several leading insurers provide valuable benefits that offer support and financial peace of mind. These benefits generally fall into three categories:

  1. Cover for Complications of Pregnancy and Childbirth: This is the most common type of maternity-related benefit. It provides cover for in-patient treatment if you suffer from a specific list of medical complications.
  2. Per-Baby Cash Benefit: Some insurers offer a fixed, one-off cash payment for each baby born. This is a goodwill gesture rather than comprehensive cover, but it can help with the costs of a new arrival.
  3. Newborn Cover and Underwriting Concessions: A highly valuable benefit that allows you to add your newborn to your policy, often without medical underwriting, for a limited time. This ensures they are covered if they are born with a condition that requires immediate private treatment.

Let's look at what the UK's leading private medical insurance providers offer.

Comparing Maternity Cover from Top UK PMI Providers

Here is a breakdown of the typical maternity-related benefits offered by major UK insurers. Please note that these benefits are usually only available on higher-tier, comprehensive policies and are subject to specific terms and waiting periods.

ProviderTypical Plan(s)Type of Maternity BenefitKey Features & LimitsTypical Waiting Period
BupaBupa By You (Comprehensive)Complications of PregnancyCovers a specific list of conditions like ectopic pregnancy, pre-eclampsia, and medically necessary C-sections. Subject to plan limits.10 months
AvivaHealthier SolutionsComplications & NHS Cash BenefitCovers eligible complications. May also offer an NHS cash benefit if you have your baby in an NHS hospital.10 months
AXA HealthPersonal HealthComplications & Baby BonusCovers a list of serious pregnancy complications. Offers a fixed cash payment ('Baby Bonus') per child born.10 months
VitalityPersonal HealthcareComplications & Cash PayoutCovers specific complications. Offers a cash payout of £100 per child, claimable once per policy year.10 months
WPAFlexible Health (Premier/Elite)Complications & Newborn CoverCovers complications. Excellent newborn benefit allowing a baby to be added to the policy with no underwriting for certain conditions.10 months

An expert PMI broker like WeCovr can help you dissect these policy documents to understand precisely what is and isn't included, ensuring there are no surprises when you need to make a claim.

A Deeper Dive: What Do These Maternity Benefits Mean in Practice?

It's vital to understand the terminology insurers use. Let's break down what these benefits actually provide.

1. Complications of Pregnancy and Childbirth

This does not mean you can choose to have a private birth if you have a complication. It means that if you suffer from a specific, medically recognised complication from an insurer's approved list, your policy will cover the costs of the in-patient treatment required to resolve that complication.

Commonly covered complications include:

  • Ectopic pregnancy: When a fertilised egg implants outside the womb.
  • Gestational diabetes: High blood sugar that develops during pregnancy.
  • Pre-eclampsia: A condition causing high blood pressure, which can be dangerous if left untreated.
  • Retained placental tissue: When the placenta is not fully delivered after childbirth.
  • Stillbirth: The tragic loss of a baby before or during delivery after 24 weeks of pregnancy.
  • Medically necessary emergency Caesarean section: This is a crucial distinction. An elective C-section (one chosen for personal preference) is almost never covered. A C-section must be deemed an emergency and essential for the health of the mother or baby.

The treatment would typically take place in a private hospital within your chosen hospital network.

2. Cash Benefits and Baby Bonuses

This is a much simpler benefit. If your policy includes a "baby bonus" or "maternity cash benefit," the insurer will pay you a fixed sum of money upon the birth of your child.

  • Amount: This is usually a modest sum, typically between £100 and £500.
  • Purpose: It's a goodwill gesture you can use for anything you like – nappies, a cot, or putting it into savings for your child.
  • Conditions: You will need to have passed the waiting period and provide a birth certificate to claim the benefit.

While not a game-changer, it's a pleasant perk that acknowledges a major life event.

3. Newborn Cover: A Hugely Valuable Benefit

This is arguably one of the most valuable and overlooked benefits available on some family PMI plans. Typically, when adding a new person to a policy, they must go through medical underwriting. This means any conditions they are born with would be classed as pre-existing and excluded from cover.

However, some policies from insurers like WPA and Bupa offer a "newborn underwriting concession." This means:

  1. You can add your baby to your policy within a specific timeframe (e.g., 90 days) after their birth.
  2. The baby will be accepted on the same underwriting terms as the parent, often without being assessed for pre-existing conditions.
  3. This means if your baby is born with a new, acute condition that requires treatment, it is more likely to be covered by your PMI policy.

This provides incredible peace of mind, as you know your child can access private care for eligible conditions right from the start, without exclusions related to their birth.

The Critical Role of Waiting Periods

We cannot stress this enough: all maternity-related benefits are subject to a waiting period.

This is a fixed period of time after your policy starts during which you cannot claim for a specific benefit. For maternity, this is typically 10 months, though it can sometimes be longer.

Real-Life Example: Sarah takes out a PMI policy on 1st January 2025. Her policy has a 10-month waiting period for maternity complications.

  • If she becomes pregnant in March 2025 and her baby is due in December 2025, she will be covered for any eligible complications, as the birth will occur after the 10-month waiting period has ended (after 1st November 2025).
  • If she was already pregnant when she took out the policy, the pregnancy would be considered a pre-existing condition and would not be covered at all.
  • If she became pregnant in July 2025 and the baby was due in April 2026, she would also be covered.

The key is that you must have the policy in place and have served the waiting period before the treatment (i.e., the birth or complication) occurs. You cannot buy a policy after becoming pregnant and expect the birth to be covered.

Planning for a Healthy Pregnancy: Wellness and Support

While insurance provides a financial safety net, the best approach is to focus on a healthy and positive pregnancy journey. Many modern PMI providers, like Vitality, actively encourage this through wellness programmes and rewards.

Here are some tips for a healthy pregnancy:

  • Nutrition: A balanced diet is crucial. The NHS recommends taking 400 micrograms of folic acid each day before you're pregnant and until you're 12 weeks pregnant. Vitamin D supplements are also recommended. With WeCovr, you get complimentary access to our AI-powered nutrition app, CalorieHero, to help you track your diet and make healthy choices.
  • Stay Active: Gentle exercise like walking, swimming, and pregnancy yoga can boost your mood, improve sleep, and help you stay in shape for labour. Always consult your midwife or GP before starting a new exercise regime.
  • Prioritise Mental Health: Pregnancy is a time of immense change. Talk to your partner, friends, and family about how you're feeling. Don't be afraid to seek support from your midwife or GP if you experience anxiety or low moods.
  • Get Plenty of Rest: Sleep is vital for you and your growing baby. Listen to your body and rest when you need to. Pregnancy pillows can be a great help in the later stages.
  • Attend All Appointments: Your NHS antenatal appointments and scans are essential for monitoring your health and your baby's development.

How Much Does Private Childbirth Cost Without Insurance?

To understand why insurers are so cautious, it's helpful to see the costs of private maternity care in the UK. These are estimates and can vary significantly based on the London location and the chosen hospital.

ServiceEstimated Cost (London)Notes
Antenatal Care Package£4,000 - £7,000Includes consultations, scans, and blood tests.
Normal Delivery£6,000 - £10,000Includes consultant, anaesthetist, and hospital fees.
Elective Caesarean Section£8,000 - £15,000Higher cost due to surgical team and longer hospital stay.
Emergency C-Section£10,000 - £20,000+Costs can escalate depending on the complexity.
Private Room (per night)£800 - £1,500Cost for postnatal stay.

These figures demonstrate why "full cover" maternity insurance is not a standard feature of the domestic UK market. The premiums required to cover these costs would be prohibitively expensive for most people.

Making the Right Choice for Your Family

Choosing the right private medical insurance when planning a family requires careful thought and professional guidance.

  1. Assess Your Priorities: Is your main concern having peace of mind for serious complications? Or is the ability to add your newborn to your policy without medical underwriting the most important factor?
  2. Look Beyond the Headline: Don't be swayed by a "Baby Bonus." Read the policy documents carefully to understand the list of covered complications and the exact terms of any newborn benefits.
  3. Consider Your Long-Term Needs: A PMI policy is a long-term commitment. Think about how it will serve your family's health needs in the years to come, not just during pregnancy.
  4. Speak to an Independent Broker: This is the single most effective way to navigate the market. A specialist PMI broker works for you, not the insurer. At WeCovr, we compare policies from all the UK's leading insurers to find the right fit for your circumstances and budget. Our service is free of charge to you, and we can often find better terms than if you go direct.

Furthermore, when you purchase a PMI or Life Insurance policy through WeCovr, we offer attractive discounts on other types of cover, such as home or travel insurance, providing even greater value for your family.

Can I get private health insurance if I am already pregnant?

Yes, you can buy a private medical insurance policy when you are already pregnant. However, the pregnancy itself, the childbirth, and any related conditions will be excluded from cover as a "pre-existing condition." You would still be covered for new, unrelated acute conditions that arise after your policy starts, but you will not be able to claim for any maternity-related care.

Does private medical insurance UK cover IVF or fertility treatment?

Generally, no. Most standard UK private medical insurance policies explicitly exclude investigations into infertility and treatments like In Vitro Fertilisation (IVF) or Intrauterine Insemination (IUI). These are considered lifestyle choices or treatments for non-acute conditions. Some high-end corporate policies arranged by large employers may offer limited benefits for fertility, but this is very rare on individual plans.

What is a "newborn underwriting concession" and why is it important?

A newborn underwriting concession is a highly valuable benefit offered on some PMI policies. It allows you to add your newborn baby to your policy within a set period after birth (e.g., 90 or 120 days) without them being medically underwritten. This means the insurer will not exclude conditions the baby was born with. It ensures that if your child needs private treatment for an eligible acute condition soon after birth, they will be covered, providing significant peace of mind.

Is it worth getting PMI just for potential maternity complications?

This is a personal decision based on your attitude to risk and your financial situation. The NHS provides excellent care for maternity complications. However, a PMI policy can offer access to a private room for recovery, a choice of consultant, and potentially faster access to treatment in a private facility. For some, this peace of mind during a potentially stressful time is worth the premium. It's best to view it as one of many benefits of a comprehensive health policy, rather than the sole reason to buy one.

Ready to Find the Right Cover?

Planning for a family is an exciting time. While the NHS provides a fantastic maternity service, the right private medical insurance policy can offer an invaluable extra layer of support and security for you and your newborn.

The market is complex, but you don't have to navigate it alone. The expert, friendly team at WeCovr is here to help. We'll listen to your needs, compare the UK's best PMI providers, and provide clear, impartial advice to help you find the perfect policy.

[Get Your Free, No-Obligation PMI Quote from WeCovr Today]

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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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