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Best Private GP Services in London in 2025

Best Private GP Services in London in 2025 2025

As an FCA-authorised expert broker that has helped arrange over 750,000 policies, WeCovr understands the growing need for fast, accessible healthcare in the UK. This comprehensive guide to private medical insurance and GP services in London cuts through the noise, giving you the clear, expert advice you need.

WeCovr reviews top GP services in London for private patients

Finding a GP appointment in London can feel like an Olympic sport. The infamous "8 am scramble" for a slot, long waiting times, and brief consultations are a source of frustration for many. It's no surprise that a growing number of Londoners are turning to the private sector for their primary healthcare needs.

Private GP services offer a compelling alternative: speed, choice, and convenience. They act as the gateway to the wider private healthcare system, often working in tandem with a private medical insurance (PMI) policy to provide a seamless journey from initial diagnosis to specialist treatment.

In this definitive 2025 guide, we'll explore the best private GP services London has to offer. We'll break down the different models, compare the top providers, and explain how a private GP can unlock the full potential of your private health cover.

Why Consider a Private GP in London in 2025?

The strain on NHS services, particularly in a bustling metropolis like London, is well-documented. While the NHS provides an essential service, its resources are stretched. According to recent NHS Digital data, millions of GP appointments across England involve a wait of more than two weeks, with a significant number waiting over a month.

For busy professionals, families, or anyone who values their time and health, the benefits of going private are clear.

Key Advantages of Using a Private GP:

  • Rapid Access: The number one reason people choose private care. You can often secure a same-day or next-day appointment, either in-person or virtually, eliminating the stress and uncertainty of NHS waiting lists.
  • Longer, In-Depth Consultations: The average NHS GP appointment lasts around 10 minutes. Private GPs typically offer 15, 20, or even 30-minute slots as standard. This allows for a more thorough discussion of your symptoms, a deeper understanding of your health concerns, and more time for you to ask questions.
  • Convenience and Flexibility: Private clinics offer appointments at times that suit you, including evenings and weekends. Many also provide virtual consultations via phone or video call, meaning you can speak to a doctor from the comfort of your home or office.
  • Continuity of Care: Building a relationship with a single GP who understands your medical history is invaluable. Private services make it much easier to see the same doctor for every appointment, ensuring consistent and personalised care.
  • Fast-Track Referrals: This is where a private GP truly shines, especially when paired with private medical insurance. If you need to see a specialist, a private GP can refer you directly and quickly. You can often be seeing a consultant cardiologist, dermatologist, or gynaecologist within a matter of days.

How Do Private GP Services Work in the UK?

There are three main ways to access a private GP in London. Understanding these models will help you decide which route is best for your circumstances and budget.

  1. Pay-As-You-Go (PAYG): This is the simplest model. You pay a one-off fee for each appointment or service you use. It's ideal for those who only anticipate needing occasional access or want to "try out" a service without committing to a contract.
  2. Membership or Subscription: This involves paying a recurring monthly or annual fee. In return, you typically receive a set number of GP consultations, priority booking, and sometimes other perks like annual health screenings, discounted prescriptions, or travel vaccinations. This can be cost-effective for individuals or families who expect to use the service more regularly.
  3. Integrated with Private Medical Insurance (PMI): This is now a standard feature on most modern private medical insurance UK policies. Insurers like Bupa, AXA Health, and Vitality include a "digital GP" or "virtual GP" service as a core benefit. You can access a GP 24/7 via an app at no extra cost, receive prescriptions, and get immediate referrals into your insurance pathway.

A Critical Note on Health Conditions

It is essential to understand a fundamental principle of the UK private health insurance market. Standard private medical insurance policies are designed to cover acute conditions that arise after your policy begins.

  • An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a joint injury, appendicitis, cataracts).
  • A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, has no known cure, or is likely to come back (e.g., diabetes, asthma, high blood pressure).

Private medical insurance does not typically cover pre-existing conditions or the ongoing management of chronic conditions. While a private GP can help with the day-to-day management of chronic issues, the cost of this long-term care will not be covered by a standard PMI policy.

Key Factors to Consider When Choosing a Private GP

With a growing number of options in London, selecting the right service can feel overwhelming. Here’s a checklist of what to look for:

  • Access Model: Do you prefer in-person appointments, the convenience of a digital-first service, or a hybrid model that offers both?
  • Location: If you want face-to-face consultations, is the clinic conveniently located near your home or workplace? Check their network of locations.
  • Appointment Availability: How quickly can you get an appointment? Do they offer same-day slots? What are their operating hours?
  • Consultation Length: Check the standard appointment duration. Is it 15, 20, or 30 minutes? Can you book a longer appointment if needed?
  • Range of Services: What do they offer beyond a standard consultation? Look for services like blood tests, health screenings, sexual health checks, vaccinations, and minor procedures.
  • Cost and Transparency: Is the pricing structure clear? For PAYG, what is the appointment fee? For memberships, what is included? Are there extra costs for prescriptions or referrals?
  • PMI Integration: If you have private health cover, check if the GP service has a smooth referral process with major insurers. This can save you time and hassle.
  • Reputation and Reviews: What do other patients say about them? Look for reviews focusing on doctor attentiveness, clinic cleanliness, and administrative efficiency.

Top Private GP Services in London for 2025: A Detailed Review

Here, we review some of the leading private GP providers in London, chosen for their reputation, service quality, and different access models.

Comparison of Top London Private GP Services

ProviderBest ForModelIndicative Price (15-20 min appt.)Key Feature
HCA UKHospital-integrated, comprehensive carePAYG / Membership£150+Direct access to top specialists and diagnostics within the HCA network.
DocTapAffordability and conveniencePAYGFrom £49Large network of clinics across London offering simple, no-frills service.
The London General PracticeConcierge, 24/7 serviceMembershipHigh-end (Price on application)A truly bespoke, doctor-led service with home visits and global cover.
eMed (formerly Babylon)Digital-first convenienceSubscription / PMI-integratedIncluded in many PMI policies24/7 access to virtual GPs via a sophisticated app.
Mayfield ClinicHybrid model (in-person & virtual)PAYG / MembershipFrom £89Strong focus on both physical and mental health, with a collaborative team.

1. HCA Healthcare UK

  • Best for: Seamless, hospital-integrated care and complex health needs.
  • Overview: HCA is a giant in UK private healthcare, operating world-renowned hospitals like The Lister, The Wellington, and London Bridge Hospital. Their GP services are situated within these facilities, offering unparalleled access to on-site diagnostics (MRI, CT scans), laboratories, and an extensive network of London's top consultants.
  • Key Features:
    • In-person appointments at multiple hospital locations.
    • Same-day appointments often available.
    • Standard consultations are typically 30 minutes.
    • Immediate access to imaging, blood tests, and specialist opinions.
    • Full range of health screenings, from essential to executive level.
  • Pricing: HCA is a premium service. Expect to pay from £150 for a standard GP consultation. Health screening packages range from several hundred to thousands of pounds.
  • WeCovr's Verdict: For those who want the gold standard and the reassurance of being in a leading hospital environment, HCA is an outstanding choice. It's particularly well-suited for individuals with complex health concerns or those seeking a comprehensive, "one-stop-shop" for diagnostics and referrals.

2. DocTap

  • Best for: Affordable, no-fuss Pay-As-You-Go appointments.
  • Overview: DocTap has disrupted the London market by focusing on one thing: providing affordable, convenient, in-person GP appointments. They operate out of partner pharmacies and clinics across the city, keeping overheads low and passing the savings on to patients. The booking process is entirely online and incredibly simple.
  • Key Features:
    • Pay-As-You-Go model with transparent pricing.
    • Extensive network of clinics across all London zones.
    • 15-minute standard appointments.
    • Same-day appointments are their speciality.
    • Services include consultations, blood tests, prescriptions, and referrals.
  • Pricing: DocTap is one of the most affordable options, with 15-minute consultations starting from just £49. Prices for blood tests and other services are clearly listed on their website.
  • WeCovr's Verdict: DocTap is the perfect solution for everyday acute health issues – a persistent cough, a skin rash, or needing a quick referral. Its simplicity and affordability make private healthcare accessible to a much wider audience. While not a luxury service, it is highly efficient and effective.

3. The London General Practice

  • Best for: High-net-worth individuals and families seeking a 24/7 concierge service.
  • Overview: Positioned at the very top of the market, The London General Practice (LGP) offers a bespoke, doctor-led service. It's built around a 24/7 membership model, providing unparalleled access and continuity of care. Their team of doctors is available around the clock for consultations, advice, and home visits.
  • Key Features:
    • Membership-based with 24/7/365 access to your dedicated GP team.
    • Home and office visits are standard.
    • Global health cover and coordination of care when travelling.
    • Proactive and preventative health management.
    • Discreet and highly personalised service.
  • Pricing: This is a premium, application-only service. Membership fees are in the thousands of pounds per year, reflecting the all-encompassing nature of the care provided.
  • WeCovr's Verdict: For those whose lifestyles demand the ultimate in convenience, discretion, and medical support, the LGP is in a class of its own. It's less a GP service and more a complete private health management solution for you and your family, wherever you are in the world.

4. eMed (formerly Babylon Health)

  • Best for: Digital-native users and those with PMI-included virtual GP access.
  • Overview: A pioneer in the "digital-first" healthcare space, eMed provides virtual GP consultations through its sophisticated smartphone app. While it has moved away from its direct-to-consumer NHS model, it remains a key partner for many major private medical insurance providers, including Bupa and Aviva.
  • Key Features:
    • Primarily video and phone consultations.
    • 24/7 appointment availability, often within minutes.
    • AI-powered symptom checker to guide users.
    • Digital prescriptions sent directly to your local pharmacy.
    • Seamless referrals into your PMI network.
  • Pricing: For many, this service is included as a standard benefit within their private health cover at no extra cost. Standalone subscription models may also be available.
  • WeCovr's Verdict: The convenience of having a GP in your pocket is undeniable. For quick advice, prescriptions for simple issues, and mental health support, digital GP services are fantastic. They are a core reason many people see value in modern PMI policies. At WeCovr, we find that clients with this benefit report very high satisfaction with their health cover.

The Role of Private Medical Insurance with GP Services

A private GP and a private health cover policy are a powerful combination. The GP acts as the gatekeeper, while the insurance policy provides the funding for the subsequent specialist treatment.

The Patient Journey:

  1. Symptom: You develop a health concern (e.g., knee pain, persistent headaches).
  2. GP Appointment: You book a quick appointment with your private GP (either in-person or virtual).
  3. Diagnosis & Referral: The GP assesses you and, if necessary, provides an "open referral" to a specialist (e.g., an orthopaedic surgeon or a neurologist).
  4. Authorisation: You call your PMI provider with your referral letter and policy number. They authorise the claim and provide a list of approved specialists and hospitals in their network.
  5. Specialist Treatment: You book an appointment with the specialist, often within a week. Your PMI policy covers the costs of the consultation, any diagnostic tests, and the subsequent treatment, as per your policy terms.

This seamless process is a world away from potentially waiting weeks for a GP appointment and months for a specialist referral on the NHS.

Beyond the Consultation: Additional Wellness Services

Modern private GPs are increasingly focused on preventative health and overall wellbeing, not just treating illness.

Common Additional Services:

  • Comprehensive Health Screenings: Detailed "medical MOTs" that include blood tests, heart health checks (ECG), cancer screening, and a full physical examination.
  • Vaccinations: A one-stop shop for travel vaccinations, seasonal flu jabs, and childhood immunisation schedules.
  • Lifestyle & Wellness Coaching: Many clinics now offer expert advice on nutrition, fitness, sleep optimisation, and stress management.
  • Mental Health Support: Providing initial assessments for mental health concerns and swift referrals to psychologists or psychiatrists is a key service.

At WeCovr, we believe in a holistic approach to health. That's why clients who purchase a private medical insurance or life insurance policy with us receive complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, to support their wellness goals.

Understanding the Costs: A Guide to Private GP Fees in London (2025)

Prices can vary significantly based on the provider's location, reputation, and the services included. The table below provides a general estimate of what you can expect to pay on a Pay-As-You-Go basis in London.

ServiceTypical Cost Range (London, 2025)Notes
Standard GP Consultation (15-20 mins)£80 – £150Can be lower with budget providers like DocTap.
Extended Consultation (30+ mins)£150 – £250+Recommended for multiple or complex health issues.
Virtual/Phone Consultation£40 – £100Often included free with PMI policies.
Annual Membership£500 – £2,000+Varies hugely by provider and level of service.
Private Prescription Fee£15 – £30This is an administration fee, plus the actual cost of the medication.
Referral Letter£30 – £60Some memberships include this for free.
Basic Blood Test Panel£50 – £150+The cost depends entirely on the specific tests required.

The WeCovr Advantage: Finding the Right Health Cover for You

Navigating the world of private GPs and medical insurance can be complex. As an independent, FCA-authorised PMI broker, WeCovr is here to make it simple.

We don't work for the insurance companies; we work for you. Our expert advisors take the time to understand your needs and budget. We then compare policies from across the market to find the one that offers the best cover and value. Our service comes at no cost to you, and we have a strong track record of high customer satisfaction.

Furthermore, we believe in rewarding our clients. When you take out a policy with us, you not only get peace of mind but also potential discounts on other types of cover, like life or income protection insurance, and access to value-added tools like our CalorieHero app.

Do I have to leave my NHS GP to use a private GP?

No, absolutely not. You can use both services. In fact, it's highly recommended that you remain registered with your NHS GP. They provide a crucial link for your long-term medical records, NHS emergency services, and the ongoing management of any chronic conditions. You can use a private GP for speed and convenience for acute issues whenever you need to.

Does private medical insurance cover pre-existing conditions?

Generally, no. Standard UK private medical insurance policies are designed to cover new, acute medical conditions that arise *after* your policy has started. Conditions you have had symptoms, treatment, or advice for in the years before taking out cover (usually the last 5 years) are considered pre-existing and will be excluded from cover, at least initially.

Can I get a private prescription from a virtual GP consultation?

Yes. If the GP deems medication is necessary during a phone or video consultation, they can issue a private prescription. This is usually sent electronically to a pharmacy of your choice for you to collect and pay for. Note that you will have to pay the full cost of the drug, not the subsidised NHS prescription charge.

How quickly can I see a specialist after a private GP referral?

This is one of the biggest advantages of private healthcare. Once you have your referral letter and have received authorisation from your insurer, you can typically book a specialist appointment within a few days to a week. This is significantly faster than the NHS, where waiting times for many specialisms can be several months.

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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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