WeCovr.

Login

WeCovr.

Login

Best Private Medical Insurance for Self-Employed UK Professionals – WeCovr's Advantage

Best Private Medical Insurance for Self-Employed UK Professionals – WeCovr's Advantage

Self-employed WeCovr finds PMI plans that protect your health and your income

As a self-employed professional in the UK, your health is your most valuable asset. At WeCovr, an FCA-authorised broker with over 750,000 policies of various types via embedded and direct channels arranged, we specialise in finding the best private medical insurance to protect you from long NHS waits and help you get back to work faster.

Why Private Health Cover is a Business-Critical Tool for the Self-Employed

When you work for yourself, there is no safety net. There's no statutory sick pay to fall back on, no employer-funded health scheme, and no one to cover your workload if you're unable to work. Every day lost to illness or injury directly impacts your income and your business's continuity.

The reality of the UK healthcare landscape makes this risk even more acute. While we are all incredibly fortunate to have the NHS, the system is under unprecedented strain.

According to the latest NHS England data, the combined waiting list for consultant-led elective care stood at over 7.5 million treatment pathways in early 2025. The median waiting time was approximately 14.8 weeks, but for some specialities and regions, waits can extend for well over a year.

For a freelancer, sole trader, or contractor, a wait of several months for a diagnosis or treatment like a hip replacement or hernia repair isn't just an inconvenience—it's a financial catastrophe. Private Medical Insurance (PMI) is the strategic solution that puts you back in control. It's not a replacement for the NHS, which remains essential for emergencies and chronic care, but a powerful complement designed to get you diagnosed and treated quickly.

Key Financial Risks of Long-Term Sickness for Sole Traders

  • Direct Loss of Income: No work means no pay.
  • Loss of Clients: Clients may be forced to find an alternative provider if you are unavailable for an extended period.
  • Reputational Damage: Inability to meet deadlines can harm your professional standing.
  • Business Stagnation: Time spent waiting for treatment is time you can't spend growing your business or securing new contracts.

What is Private Medical Insurance (PMI) and How Does It Actually Work?

Private Medical Insurance is a type of insurance policy designed to cover the costs of private healthcare for acute conditions that arise after you take out the policy.

Think of it as a fast-track pass through the healthcare system. If you develop a new, treatable medical condition, your PMI policy can cover the costs of specialist consultations, diagnostic tests, and private hospital treatment.

The process is straightforward:

  1. You develop a symptom: For example, persistent knee pain.
  2. Visit your NHS GP: You still use your regular GP for an initial diagnosis. They can provide an open referral to a private specialist. While some insurers now offer a digital GP service, a referral from your own GP is the most common starting point.
  3. Contact your insurer: You call your PMI provider to open a claim. They will check your policy details and authorise the next steps.
  4. See a specialist privately: Your insurer will provide a list of approved specialists and hospitals. You can book a consultation, often within days.
  5. Get diagnosed and treated: Your policy covers the costs of diagnostic tests (like MRI or CT scans) and any subsequent treatment, such as surgery, in a private hospital.

The Critical Distinction: Acute vs. Chronic Conditions

This is the most important concept to understand about UK private medical insurance. PMI is designed for short-term, curable conditions.

Condition TypeDescriptionPMI CoverageExamples
AcuteA disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.Yes, this is what PMI is for.Broken bones, hernias, joint replacement, cataracts, most cancers.
ChronicA disease, illness, or injury that has one or more of the following characteristics: needs long-term monitoring, has no known cure, requires ongoing management, or is likely to recur.No, standard PMI does not cover chronic conditions.Diabetes, asthma, high blood pressure, Crohn's disease, arthritis.

Crucially, PMI also does not cover pre-existing conditions—any illness or injury you had symptoms of or received advice or treatment for before your policy started. We will explore how insurers handle this in the section on underwriting.

The Tangible Benefits of PMI for UK Freelancers and Entrepreneurs

For the self-employed, the benefits of private health cover go far beyond comfort and convenience. They are directly linked to financial stability and peace of mind.

  • Speed of Access: This is the primary benefit. Instead of waiting months for an NHS appointment, you can often see a specialist and begin treatment within a matter of weeks, or even days. This minimises your time away from work.
  • Choice and Control: PMI gives you control over your healthcare journey. You can choose your specialist from an approved list and select a hospital and appointment time that fits around your work commitments.
  • Comfort and Privacy: Treatment in a private hospital typically means a private, en-suite room with amenities like a TV and a more flexible visitor policy, creating a less stressful environment for recovery.
  • Access to Specialist Drugs and Treatments: Some cutting-edge drugs or treatments may not be available on the NHS due to cost constraints or delays in approval by the National Institute for Health and Care Excellence (NICE). PMI policies often provide access to these, particularly within their cancer cover.
  • Comprehensive Mental Health Support: The pressure of running a business can take a significant toll on mental wellbeing. Many modern PMI policies include extensive mental health cover, from therapy sessions to inpatient psychiatric care, often accessible without a GP referral.

How to Choose the Best Private Health Cover: A Guide to Policy Features

Navigating the world of PMI can feel complex, as policies are highly customisable. Understanding the core components allows you to build a plan that suits your needs and budget. As an expert PMI broker, WeCovr helps clients tailor their policies perfectly.

1. The Level of Cover: Core, Mid-Range, and Comprehensive

Most insurers structure their plans in tiers.

  • Core / Basic Plans: These are the most affordable and typically only cover treatment received while admitted to a hospital as an inpatient or day-patient. Diagnostics and consultations that lead to the admission are usually covered, but outpatient consultations are not.
  • Mid-Range Plans: These build on the core plan by adding a set amount of outpatient cover. This could be a limit of £500, £1,000, or £1,500 per year to be used for specialist consultations and diagnostic tests that don't lead to a hospital stay. This is the most popular level of cover.
  • Comprehensive Plans: These offer the highest level of protection, usually with unlimited or very high limits for outpatient care. They often include extra benefits like enhanced mental health support, dental and optical cover, and other therapies.

2. The Hospital List: Deciding Where You Can Be Treated

Insurers use tiered hospital lists to manage costs. The list you choose directly impacts your premium.

Hospital List TierDescriptionBest For
Local / RegionalIncludes a selection of private hospitals within a specific geographic area. Excludes premium-priced hospitals, especially in Central London.Those on a tighter budget who are happy with excellent local facilities.
NationalProvides access to a wide range of private hospitals across the UK, excluding only the most expensive Central London clinics.The majority of people, offering a great balance of choice and cost.
Premium / LondonThe most comprehensive list, including top-tier private hospitals in Central London like The London Clinic or The Cromwell Hospital.Those who want unrestricted access to any hospital in the UK, including the most prestigious.

3. The Excess: Sharing the Cost to Lower Your Premium

An excess is the amount you agree to pay towards the cost of a claim. For example, if you have a £250 excess and receive treatment costing £4,000, you pay the first £250, and the insurer pays the remaining £3,750.

  • How it works: You can typically choose an excess from £0 up to £1,000 or more.
  • The Impact: A higher excess significantly lowers your monthly or annual premium.
  • Important Note: The excess is usually applied once per policy year, not per claim, though this can vary between insurers.

The relationship is simple: Higher Excess = Lower Premium. Choosing a modest excess of £250 or £500 is a popular way to make cover more affordable without exposing yourself to a huge upfront cost.

4. Outpatient Cover: The Key to Fast Diagnosis

As mentioned, this covers the costs of medical care that does not require a hospital bed.

  • What it includes: Specialist consultations, blood tests, X-rays, MRI scans, CT scans, and PET scans.
  • Why it's important: Fast diagnosis is the first step to fast treatment. Without outpatient cover, you would rely on the NHS for these initial diagnostic stages, which can involve long waits.
  • Choosing your limit: A limit of £1,000 to £1,500 is often sufficient to cover the consultations and scans needed for most common conditions.

5. Cancer Cover: The Cornerstone of Any PMI Policy

Cancer cover is a standard and vital component of all UK PMI policies. It is often described as one of the most valuable aspects of private health cover. Insurers provide extraordinary support, from covering the cost of treatment to providing dedicated nursing support.

Key features often include:

  • Full cover for chemotherapy and radiotherapy.
  • Cover for surgical procedures.
  • Access to the latest licensed cancer drugs, including some not yet available on the NHS.
  • Cover for bone marrow or stem cell transplants.
  • Prostheses and wigs.

Always check the policy details, as some insurers may place time or financial limits on certain aspects of care.

6. Underwriting: How Insurers Assess Pre-existing Conditions

This is how an insurer decides which conditions to cover and which to exclude based on your medical history. There are two main types for individuals.

Underwriting TypeHow It WorksProsCons
Moratorium (Mori)You do not declare your full medical history upfront. Instead, the insurer automatically excludes any condition you've had symptoms of, or received treatment for, in the last 5 years. This exclusion can be lifted if you remain symptom, treatment, and advice-free for that condition for a continuous 2-year period after your policy starts.Quicker and less intrusive to set up. You don't need to dig out old medical records.There can be uncertainty at the point of claim, as the insurer will investigate your history then. May cause delays.
Full Medical Underwriting (FMU)You complete a detailed health questionnaire when you apply, declaring your full medical history. The insurer then reviews this and states explicitly what is and is not covered from the outset. These exclusions are typically permanent.Provides complete certainty from day one. You know exactly what is covered before you need to claim.The application process is longer and more detailed. Exclusions are usually permanent and won't be reviewed.

A specialist PMI broker can provide invaluable guidance on which underwriting option is most suitable for your personal circumstances.

A Look at the Leading UK Private Medical Insurance Providers

The UK PMI market is mature and competitive, with several excellent providers. While we work with a wide panel of insurers to find the best fit, here are some of the main players known for their quality service.

ProviderKey Strength / FeatureBest For
AvivaOften praised for their comprehensive cancer cover and strong digital tools ('Aviva DigiCare+'). Known for clear policy wording.Those seeking robust, straightforward cover with excellent digital health support.
AXA HealthA global leader with a huge network of hospitals. Offers extensive mental health pathways and a strong focus on clinical expertise.Individuals who value a vast choice of specialists and comprehensive mental health options.
BupaOne of the most recognised names in UK health insurance. Offers direct access services for certain conditions (e.g., cancer, mental health) without needing a GP referral.Customers looking for a trusted brand with innovative, direct access pathways to care.
VitalityUnique in its focus on wellness and prevention. Rewards members with discounts and perks for staying active (e.g., Apple Watch, cinema tickets).Self-employed professionals motivated by rewards and proactive health management.

Note: This is a general overview. The "best" provider is always the one whose policy best matches your specific needs and budget.

How Much Does Private Medical Insurance Cost for the Self-Employed in the UK?

The cost of PMI is highly personal. It is influenced by a range of factors:

  • Age: The primary driver of cost. Premiums increase as you get older.
  • Location: Premiums are typically higher in London and the South East due to higher hospital costs.
  • Level of Cover: A comprehensive plan costs more than a basic one.
  • Excess Level: A higher excess reduces your premium.
  • Hospital List: A national list costs more than a local one.
  • Lifestyle: Smokers will pay significantly more than non-smokers.

Illustrative Monthly Premiums (2025 Estimates)

The table below provides an estimated monthly cost for a non-smoker living outside of London, with a £250 excess.

AgeBasic Cover (Core Inpatient)Mid-Range Cover (£1,000 Outpatient)Comprehensive Cover
30£35 - £50£55 - £75£90 - £120
40£45 - £65£70 - £95£110 - £150
50£65 - £90£100 - £140£160 - £220

Disclaimer: These are illustrative estimates only. Your actual quote will depend on your individual circumstances and the specific insurer and policy chosen. For an accurate price, it is essential to get a personalised quote.

The WeCovr Advantage: Why a Specialist Broker is Your Best Asset

You could go directly to an insurer, but you would only see one set of prices and one type of policy. As a self-employed professional, your time is money. Using a specialist broker like WeCovr saves you both.

  • Expert, Impartial Advice: We are authorised and regulated by the Financial Conduct Authority (FCA). Our primary duty is to you, the client. We understand the market inside-out and can demystify the jargon.
  • Whole-of-Market Comparison: We compare policies from a wide panel of leading UK insurers in minutes, ensuring you see the best options available for your specific needs.
  • No Cost to You: Our service is completely free. We receive a commission from the insurer you choose, which is already built into the premium. You pay the same price (or often less) than going direct, but with the added value of expert guidance.
  • Personalised for the Self-Employed: We understand the unique pressures you face and can help you prioritise cover that protects both your health and your income.
  • Exclusive WeCovr Benefits: When you arrange your PMI policy through us, you gain access to additional perks, including:
    • Complimentary access to CalorieHero: Our AI-powered calorie and nutrition tracking app to help you manage your health proactively.
    • Multi-Policy Discounts: Clients who purchase PMI or Life Insurance through us are eligible for discounts on other types of cover, such as Income Protection.
  • High Customer Satisfaction: Our commitment to service is reflected in our consistently high customer satisfaction ratings. We are here to help not just at the start, but at renewal and at the point of a claim.

Is PMI Tax Deductible for UK Sole Traders?

This is a frequent and important question. For a sole trader or a member of a partnership, private medical insurance is typically considered a personal expense, not a business expense. Therefore, you cannot deduct the cost of your PMI premiums from your taxable profits.

The rules can be different for directors of a limited company, where the company can pay for the insurance as a business expense. However, it is then usually treated as a P11D benefit-in-kind, meaning the director will pay income tax on the value of the premium.

Disclaimer: WeCovr provides insurance advice and is not an accountancy firm. You should always seek guidance from a qualified accountant regarding tax matters.

Frequently Asked Questions (FAQ)

1. Does UK private medical insurance cover pre-existing conditions?

No, standard private medical insurance in the UK is designed for new, acute medical conditions that arise after your policy begins. It explicitly excludes pre-existing conditions, which are any ailments for which you have experienced symptoms, or received medication, advice, or treatment for in the years prior to taking out cover (typically the last 5 years). It also does not cover long-term chronic conditions like diabetes or asthma.

2. Is PMI worth it if I am young and healthy?

While you may be less likely to claim, PMI can be most valuable when you are young and healthy for two key reasons. Firstly, premiums are at their lowest, allowing you to lock in comprehensive cover affordably. Secondly, illnesses and injuries, such as from sports or accidents, can happen at any age. Having PMI ensures that an unexpected condition doesn't derail your career and income at a crucial stage.

3. Can I add my family to my self-employed PMI policy?

Yes, absolutely. All major insurers allow you to add your partner and/or children to your policy. While this will increase the premium, insurers often provide discounts for family or couples' policies compared to purchasing individual plans separately. It's an excellent way to ensure your entire family has access to fast, high-quality medical care.

4. How does using a broker like WeCovr affect my premium cost?

Using a broker like WeCovr does not make your premium more expensive. In fact, it can often save you money. Our service is free to you, as we are paid a commission by the insurer you choose. Because we have access to the whole market and special arrangements with insurers, we can find the most competitive price for the level of cover you need. You get expert, impartial advice and market comparison for the same price or less than going direct.

Ready to protect your health and your livelihood?

Don't let an NHS waiting list put your business at risk. A WeCovr specialist can help you compare plans from the UK's leading insurers in minutes.

Get your free, no-obligation private medical insurance quote today.

Get A Free Quote

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.
Get Quote

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:
Book Call Now

Our Group Is Proud To Have Issued 750,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection
Find Out More

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.

Book Call With Expert

Learn more

Learn More
...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!