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Best Private Health Insurance for Pre-Existing Conditions in the UK – WeCovr's Approach

Best Private Health Insurance for Pre-Existing Conditions in the UK – WeCovr's Approach

WeCovr finds PMI options for UK customers with pre-existing conditions others cant cover

As an FCA-authorised expert insurance broker that has helped over 750,000 UK customers, WeCovr specialises in navigating the complexities of private medical insurance. This guide explains how we help individuals with pre-existing conditions find the best possible private health cover, a task where many others fall short.

Private medical insurance (PMI) offers a powerful alternative to long NHS waiting lists, providing prompt access to specialist consultations, diagnostic tests, and high-quality private treatment. However, for the millions of people in the UK with a pre-existing medical condition, securing a policy can feel like an impossible challenge.

The fundamental truth of the UK private health insurance market is that policies are designed to cover new, acute conditions that arise after your policy begins. They are not designed to cover pre-existing or chronic conditions.

This is where the expertise of a specialist PMI broker becomes invaluable. While the rules are firm, the application and underwriting process has nuances. WeCovr’s deep understanding of the market allows us to find pathways to comprehensive cover for our clients, even those with complex medical histories. We know which insurers take a more nuanced view of certain conditions and how to present your application to achieve the most favourable outcome.

Understanding the UK's Private Medical Insurance Landscape

Private health cover acts as a complementary service to the National Health Service (NHS). It is not a replacement. Its primary purpose is to bypass the waiting times for eligible, acute medical treatments, giving you choice, speed, and comfort when you need it most.

This is the core driver for the 4 million+ people in the UK who have some form of private medical cover (LaingBuisson, 2024).

What Private Medical Insurance Typically Covers:

  • In-patient and day-patient treatment: Costs for surgery, hospital stays, and nursing care.
  • Out-patient consultations: Appointments with specialists and consultants.
  • Diagnostics: MRI, CT, and PET scans, X-rays, and blood tests.
  • Cancer Care: Comprehensive cover for chemotherapy, radiotherapy, and surgical procedures (often a standout feature).
  • Mental Health Support: Access to therapies like CBT, counselling, and psychiatric care.
  • Alternative Therapies: Physiotherapy, osteopathy, and chiropractic treatment.

What Private Medical Insurance Critically Excludes:

  • Chronic Conditions: Long-term illnesses that require ongoing management rather than a curative fix. Examples include diabetes, Crohn's disease, and multiple sclerosis.
  • Pre-existing Conditions: Any illness, injury, or symptom you had before the policy start date.
  • Emergency Services: A&E visits are handled by the NHS.
  • Normal Pregnancy & Childbirth: Standard maternity care is not covered, though complications may be.
  • Cosmetic Surgery: Procedures that are not medically necessary.

The key takeaway is that PMI is for unforeseen, curable health issues. The challenge, and where we excel, is in managing how insurers view your past health history when you apply.

What is a "Pre-Existing Condition" in Health Insurance?

The definition is crucial. An insurer will typically define a pre-existing condition as any disease, illness, or injury for which you have experienced:

  • Symptoms: Whether you had a formal diagnosis or not.
  • Medication: Received prescriptions or treatment.
  • Advice or Consultation: Sought guidance from a GP, specialist, or other healthcare professional.

This applies to a set period before your policy starts, usually the last five years, but this can vary.

Common Examples of Pre-Existing Conditions

Condition CategorySpecific Examples
MusculoskeletalPast knee or back pain, arthritis, sciatica, joint replacement, sports injuries.
CardiovascularHigh blood pressure, high cholesterol, heart murmurs, angina.
Mental HealthAnxiety, depression, stress, eating disorders, PTSD.
GastrointestinalIrritable Bowel Syndrome (IBS), acid reflux (GORD), gallstones.
RespiratoryAsthma, sleep apnoea.
DermatologicalEczema, psoriasis, acne.
Major IllnessesA history of cancer, stroke, or heart attack.

It's vital to be honest and thorough. Non-disclosure of a past condition can invalidate your entire policy when you come to make a claim.

The Two Main Types of Underwriting: Your Path to Cover

"Underwriting" is the process an insurer uses to assess your risk and decide the terms of your policy. For pre-existing conditions, this is the most critical stage. There are two primary methods in the UK.

1. Moratorium Underwriting ("Mori")

This is the most common and straightforward method. You do not need to disclose your full medical history upfront.

  • How it Works: The policy automatically excludes any condition you've had symptoms, treatment, or advice for in the five years before the policy starts.
  • The "2-5-2" Rule: Cover for a pre-existing condition may be reinstated if you serve a continuous two-year period on the policy without experiencing any symptoms, or seeking any treatment or advice for that specific condition. If the condition reoccurs within that two-year period, the clock resets.
  • Pros: Quick and easy application process. You may gain cover for past conditions over time.
  • Cons: Lack of certainty. You won't know for sure if a condition is covered until you make a claim, which can lead to unwelcome surprises.

2. Full Medical Underwriting (FMU)

This method requires a more detailed application process but provides complete clarity from day one.

  • How it Works: You complete a comprehensive health questionnaire, declaring your full medical history. The insurer may also request access to your medical records from your GP.
  • The Outcome: The insurer assesses your history and makes a clear decision. They will either:
    • Cover you in full with no exclusions.
    • Cover you but apply a specific exclusion for a pre-existing condition (e.g., "no cover for treatment related to the left knee").
    • In some cases, charge a higher premium or decline cover altogether.
  • Pros: Absolute certainty about what is and isn't covered from the start. No grey areas.
  • Cons: A longer, more intrusive application process. Exclusions are often permanent.

Moratorium vs. Full Medical Underwriting: A Comparison

FeatureMoratorium UnderwritingFull Medical Underwriting
Application ProcessFast and simple. No health forms.Detailed health questionnaire. May need GP records.
Initial ExclusionsAutomatically excludes conditions from the last 5 years.Exclusions are decided based on your specific history.
Clarity of CoverAmbiguous. You only know for sure at the point of a claim.Crystal clear from day one. You receive a list of any exclusions.
Future CoverPre-existing conditions can become eligible after 2 years symptom-free.Exclusions are typically permanent.
Best For...People with minor past ailments who want a quick start.People who want certainty, especially with a known medical history.

How WeCovr's Expert Brokerage Unlocks Options for Pre-Existing Conditions

A direct online application might lead to an automatic decline or overly broad exclusions if you have a medical history. This is because automated systems lack nuance. Our role as a specialist PMI broker is to be your expert advocate, navigating the system to find the best possible terms.

Here’s our proven approach:

  1. In-Depth Personalised Assessment: We don't just ask for your name and date of birth. We take the time to understand your specific medical history, the nature of your past conditions, when you last had symptoms, and what treatment you received. This detail is crucial.

  2. Unmatched Insurer Knowledge: We work with a wide panel of leading UK private medical insurance providers, including AXA Health, Bupa, Aviva, and Vitality. We have an in-depth, working knowledge of their underwriting philosophies.

    • Example: One insurer might be particularly cautious about past mental health issues, applying broad exclusions. Another might be more pragmatic, willing to offer cover if the condition was mild and occurred many years ago. We know who to approach for your specific circumstances.

  3. Strategic Application Management: Based on your history, we recommend the best underwriting path. For some, a moratorium policy is the smartest choice. For others, FMU provides necessary peace of mind. We can even "pre-vet" your case with underwriters informally to gauge the likely outcome before a formal application is submitted, saving you time and preventing a formal decline on your record.

  4. Negotiating on Your Behalf: For FMU applications, our relationship with underwriting teams allows us to provide context and clarification. We can help argue for a narrow, specific exclusion (e.g., "degenerative wear and tear in the right hip") rather than a blanket exclusion (e.g., "all hip-related conditions"). This ensures you have maximum cover for any new, unrelated issues.

By acting as your expert intermediary, WeCovr transforms a process fraught with uncertainty into a clear, strategic path towards the best private health cover available to you.

Case Studies: Real-Life Scenarios for Getting PMI

Theory is helpful, but real-world examples illustrate the value of expert guidance.

Scenario 1: Sarah, 45 - Historic Back Pain

  • The Problem: Sarah suffered from a slipped disc seven years ago. She has been completely fine for over six years but was worried it would prevent her from getting health insurance. She wants cover in case she develops a new, unrelated back problem or any other health issue.
  • The WeCovr Solution: We advised Sarah that Moratorium underwriting was the ideal path. Because her back issue occurred more than five years ago, it wouldn't be automatically excluded. Even if it had been more recent, going two years symptom-free on the policy would make it eligible for cover.
  • The Outcome: Sarah secured a comprehensive PMI policy quickly and easily. A year later, she developed shoulder pain from a sports injury. The consultation, MRI scan, and physiotherapy were all approved and paid for without issue, as it was a new, unrelated condition.

Scenario 2: David, 35 - Well-Managed Anxiety

  • The Problem: David had a period of anxiety three years ago, for which he had six sessions of counselling via his GP. He is now fully recovered and not on any medication but was declined by an online quote generator.
  • The WeCovr Solution: We knew that a direct application would likely lead to a broad mental health exclusion or a decline. We recommended Full Medical Underwriting and approached an insurer known for its nuanced view on mental health. We helped David frame his application, highlighting that the issue was situational and resolved.
  • The Outcome: The insurer offered David a policy with a specific exclusion for "anxiety and stress-related disorders." This gave him total peace of mind, knowing that he had full cover for cancer, heart conditions, joint problems, and anything else that might happen, while clearly understanding the single limitation of his policy.

Scenario 3: Fatima, 60 - Switching Providers with High Blood Pressure

  • The Problem: Fatima has a PMI policy and was successfully treated for gallstones two years ago. Her current provider has significantly increased her renewal premium. She also has well-managed high blood pressure, which pre-dated her original policy.
  • The WeCovr Solution: Fatima needs a special type of underwriting called Continued Personal Medical Exclusions (CPME). This is designed for people switching insurers. It ensures that any conditions already covered by the old policy remain covered by the new one. We compared the market for providers offering CPME terms.
  • The Outcome: We found Fatima a new policy with a different leading provider that was over £40 per month cheaper. Her high blood pressure remained excluded (as it was on her original policy), but her cover for gallstones and any new conditions was seamlessly transferred. She saved nearly £500 a year without losing any protection.

What About Chronic Conditions? The Unavoidable Truth

It is essential to be direct about this: standard UK private medical insurance does not cover the long-term management of chronic conditions.

A chronic condition is an illness that cannot be cured and requires ongoing monitoring and management, such as:

  • Diabetes
  • Crohn's disease or Ulcerative Colitis
  • Multiple Sclerosis (MS)
  • COPD
  • Most forms of arthritis

PMI's role is to diagnose a condition and provide initial treatment to stabilise it. For instance, if you develop symptoms that lead to a diagnosis of Crohn's disease, your PMI policy would cover the initial consultations and diagnostic tests. It might even cover the first stage of treatment to bring the flare-up under control. However, once the condition is diagnosed as chronic, long-term care, medication, and management will revert to the NHS.

Comparing Top UK PMI Providers' Approach to Underwriting

While all insurers exclude pre-existing conditions, their flexibility and processes differ. A specialist broker can guide you to the one best suited to your history.

ProviderTypical Underwriting ApproachWeCovr's Expert Insight
AXA HealthOffers flexible Moratorium and Full Medical Underwriting (FMU) options.Often highly pragmatic with minor or historic conditions on FMU applications. Their modular policies allow for precise customisation.
BupaA market leader with robust and well-defined Moratorium and FMU processes.Renowned for their comprehensive cancer care and extensive hospital network. Their underwriting is thorough but fair and transparent.
VitalityProvides both Moratorium and FMU, with a unique focus on wellness and rewards.Can be favourable to applicants who demonstrate a healthy lifestyle. Their wellness programme may positively influence underwriting decisions for certain managed conditions.
AvivaA major player offering standard Moratorium and FMU across a wide range of policy options.A great all-rounder with competitive pricing. Their underwriting criteria are clear and well-understood by our expert advisors, allowing us to predict outcomes with high accuracy.

This table provides a general overview. The final decision always rests with the insurer's underwriting team and is based on individual circumstances.

WeCovr's Added Value: More Than Just Insurance

We believe in providing holistic support to our clients. When you arrange a Private Medical Insurance or Life Insurance policy through WeCovr, you receive more than just expert advice.

  • Complimentary Access to CalorieHero: All clients gain free access to our AI-powered calorie and nutrition tracking app, CalorieHero. It's a powerful tool to help you manage your health and wellness proactively.
  • Exclusive Multi-Policy Discounts: When you trust us with your health or life insurance, we offer you preferential discounts on other types of cover you may need, such as home or travel insurance, providing even greater value.
  • Exceptional Customer Service: Our high customer satisfaction ratings are a testament to our commitment. We provide ongoing support not just at the point of sale, but for the life of your policy.

Frequently Asked Questions (FAQs) about PMI and Pre-Existing Conditions

Here are answers to some of the most common questions we receive.

1. Can I get private health insurance if I have had cancer?

Yes, it is often possible to get private health insurance after cancer. The underwriting approach is critical. Most insurers will require you to be cancer-free for a set period (typically 5 years) and will use Full Medical Underwriting (FMU) to apply a specific exclusion for cancer. This means you would be covered for new, unrelated conditions like heart issues or joint replacements, but not for a recurrence of the cancer. An expert broker can help navigate this sensitive application.

2. Will my premiums be higher if I have a pre-existing condition?

Not necessarily. With Moratorium underwriting, the condition is simply excluded, so it usually doesn't affect the premium. With Full Medical Underwriting, if the insurer agrees to cover the condition (which is rare) or sees you as a higher risk, they might apply a "premium loading" or increase the price. More commonly, they will exclude the condition at the standard premium, meaning you pay the same as someone without that condition but have a specific gap in your cover.

3. What happens if I don't declare a pre-existing condition?

Failing to declare a known pre-existing condition on a Full Medical Underwriting application is known as "non-disclosure" and is a serious issue. If the insurer discovers this when you make a claim, they are within their rights to void your entire policy from the start and refuse to pay for your treatment. This would mean you lose all the premiums you have paid. Honesty and transparency are always the best policy.

4. Can I switch health insurance providers if I have a pre-existing condition?

Yes. If you have developed conditions while on your current policy, you can switch to a new provider using Continued Personal Medical Exclusions (CPME) underwriting. This ensures that conditions covered by your old policy continue to be covered by your new one. Any exclusions on your original policy will also be carried over. This is a specialist process where broker guidance is essential to ensure no loss of cover.

Take the Next Step to Secure Your Health

Navigating the world of private medical insurance with a pre-existing condition requires specialist knowledge and expert guidance. Don't risk a decline or an overly restrictive policy by going direct.

Let WeCovr be your expert advocate. Our advisors will assess your unique situation, compare the entire market, and find you the most comprehensive cover at the best possible price—at no cost to you.

Contact WeCovr today for a free, no-obligation quote and discover the private health insurance options you didn't think were possible.

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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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