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Best UK PMI for Dental and Optical Cover

Best UK PMI for Dental and Optical Cover 2025

WeCovr compares insurers offering strong extras in 2025

As an FCA-authorised broker that has helped arrange over 750,000 policies, WeCovr knows that when UK consumers look for private medical insurance, they want comprehensive peace of mind. While core PMI focuses on major medical events, many are now seeking cover for everyday health needs like dental check-ups and new glasses.

This guide delves into the best UK private health cover options that include robust dental and optical benefits for 2025. We'll break down how these 'extras' work, compare the leading providers, and help you decide if adding them to your policy is the right choice for you and your family.

First, What Exactly is Private Medical Insurance (PMI)?

Before we look at the extras, it's crucial to understand the main purpose of private medical insurance in the UK. Think of it as a health plan designed to cover the costs of private treatment for acute medical conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.

This includes things like:

  • Consultations with specialists.
  • Diagnostic tests like MRI and CT scans.
  • Surgical procedures (e.g., hip replacements, hernia repair).
  • Cancer treatment, including chemotherapy and radiotherapy.
  • In-patient hospital stays in a private room.

The primary benefit is speed and choice. PMI allows you to bypass NHS waiting lists, choose your specialist, and select a hospital that's convenient for you, often with more comfortable private facilities.

The Golden Rule: Pre-existing and Chronic Conditions Are Not Covered

This is the most important concept to grasp about standard UK PMI. It is not designed to cover:

  • Pre-existing Conditions: Any illness, disease, or injury you had symptoms of, received advice for, or were treated for before your policy started.
  • Chronic Conditions: Long-term illnesses that cannot be cured but can be managed, such as diabetes, asthma, arthritis, or high blood pressure. These remain under the care of the NHS.

Private health cover is for new, unexpected health problems that arise after you join.

Why Aren't Dental and Optical Benefits Included as Standard?

You might wonder why routine visits to the dentist or optician aren't part of a core PMI policy. The reason lies in the nature of insurance itself.

Insurance is designed to protect against unforeseen, unexpected events. A sudden need for knee surgery after a sporting injury is unexpected. However, a six-monthly dental check-up or an eye test every two years is a predictable, routine maintenance cost.

Because these are expected expenses, insurers separate them from the core policy. They offer them as optional add-ons, allowing you to build a plan that truly suits your individual needs and budget. This prevents everyone from having to pay for benefits they may not want or need.

What Does a Dental Add-on Typically Cover?

When you add dental cover to your PMI policy, it usually works on a reimbursement or 'cashback' model. You pay your dentist for the treatment and then claim the cost back from the insurer, up to an annual limit.

Cover is often split into levels or categories:

Treatment CategoryDescriptionCommon Annual Limit
Routine CareIncludes check-ups, scale and polish, hygienist visits, and X-rays.£250 - £500
Minor RestorativeCovers fillings, root canals, and emergency pain relief.Included within overall limit
Major RestorativeFor more complex work like crowns, bridges, dentures, and inlays.£500 - £1,500+
Accidental InjuryCovers treatment needed as a direct result of an external accident (e.g., a fall).Often a separate, higher limit
Dental EmergenciesProvides cover for urgent treatment needed to alleviate severe pain.£250 - £500 per incident

It's vital to note that cosmetic dentistry, such as teeth whitening or veneers for aesthetic reasons, is almost always excluded.

How Does Optical Cover Work?

Optical cover is usually simpler than dental. It's designed to contribute towards the costs of maintaining your eye health. Typically, you get a fixed amount of money back each year for specific expenses.

Common Optical Benefits:

  • Eye Tests: A contribution towards the cost of a sight test, usually every one or two years.
  • Glasses & Contact Lenses: A fixed sum (£100 - £250 per year) you can claim towards the cost of new prescription eyewear.

This benefit is straightforward: have an eye test or buy new glasses, send the receipt to your insurer, and they'll refund you up to your annual limit.

The Best UK PMI Providers for Dental and Optical Cover in 2025

Several major UK insurers offer excellent add-ons for dental and optical care. The "best" one for you will depend on your budget, your family's needs, and whether you prefer a simple cashback model or a more interactive, rewards-based approach.

Here's a comparison of the leading providers. An expert PMI broker like WeCovr can provide detailed quotes and help you navigate the fine print of each policy at no cost to you.

ProviderDental & Optical Add-onHow It WorksKey Features
BupaBupa Dental Cover & Optical CoverTiered dental plans (from routine to major) with set limits. Separate optical cashback.Access to the huge Bupa Dental Care network. Direct settlement with many dentists.
AXA HealthDentist and Optician CashbackA simple cashback model. You choose a level of cover (£150 to £425) and claim back 100% of costs up to that limit.Very straightforward and easy to understand. No complex tiers.
AvivaDental and Optical BenefitA flexible add-on that can be added to your core 'Healthier Solutions' policy. Offers different levels of reimbursement.Integrates with the Aviva DigiCare+ app. Straightforward claims process.
VitalityOptional Dental Cover & Integrated Optical RewardsA traditional dental add-on combined with a unique wellness programme for optical benefits.Earn points for being active to get discounts and cashback at partner opticians like Specsavers.
The ExeterHealth Essentials (Cash Plan)Can be bought alongside their 'Health+' PMI policy. It's a health cash plan that covers dental, optical, and therapies.Simple cashback for everyday health costs. Known for excellent customer service and flexible underwriting.

Let's explore each of these in more detail.

Bupa: The Established Network

Bupa is one of the most recognised names in UK health insurance. Their dental and optical offerings are comprehensive and well-structured.

  • Dental: Bupa offers different levels, such as 'Dental Cover 10' and 'Dental Cover 20'. The higher the level, the more you can claim back for routine, restorative, and major dental work. A key advantage is their vast network of 'Bupa Dental Care' centres. If you use one of their dentists, they may be able to settle the bill directly, meaning you don't have to pay out of pocket (up to your benefit limits).
  • Optical: This is a separate cashback benefit. You can claim a set amount (e.g., £150) per year towards the cost of eye tests, glasses, and contact lenses.

Best for: Individuals and families who value a large, established network and the convenience of direct settlement with dental practices.

AXA Health: Simplicity and Clarity

AXA Health's approach is refreshingly simple. Their 'Dentist and Optician Cashback' option avoids complex tiers and percentages.

  • How it works: You select a total annual benefit amount when you take out your policy (e.g., Level 2 provides £425). You can then claim 100% of your dental and optical bills throughout the year until you reach that combined limit.
  • Flexibility: This pot of money can be used for NHS or private treatment. You could use it all on a dental crown or spread it across eye tests, new glasses, and a dental check-up.

Best for: Those who want a no-fuss, easy-to-understand benefit. The flexibility to use the entire pot for either dental or optical is a major plus.

Aviva: The All-Rounder

Aviva provides a solid and reliable 'Dental and Optical Benefit' that you can add to its core 'Healthier Solutions' policy.

  • Cover Levels: Like Bupa, Aviva offers different tiers of cover. You can choose a basic level for routine care or a more comprehensive option that includes significant contributions towards major dental work like bridges and crowns.
  • Optical Benefit: The optical portion provides a fixed annual amount for tests and eyewear, similar to other insurers.
  • Value-Add: All Aviva policyholders get access to their Aviva DigiCare+ app, which provides a range of digital health services, including mental health support and nutritional advice.

Best for: People looking for a customisable policy from a trusted, household name brand.

Vitality: The Innovative, Proactive Choice

Vitality has disrupted the UK private medical insurance market with its unique wellness-focused model. Their dental and optical benefits reflect this innovative approach.

  • Dental: Vitality offers a conventional 'Dental Cover' add-on with different levels for routine and major treatments.
  • Optical (The Vitality Difference): This is where it gets interesting. Instead of a standard cashback pot, Vitality links optical rewards to its 'Vitality Programme'. By tracking your physical activity (like steps and workouts) through a linked fitness device, you earn points.
    • Achieve Active Rewards: Earning enough points unlocks partner benefits. For optical, this includes a free eye test at Specsavers and up to £100 off glasses or contact lenses, depending on your Vitality status.
    • Gamified Health: This model actively encourages you to be healthier, rewarding you for your efforts.

Best for: Active individuals and families who are motivated by rewards and enjoy a 'gamified' approach to their health and wellbeing. If you're already going to the gym or tracking your steps, Vitality can be exceptionally good value.

The Exeter: The Flexible and Friendly Specialist

The Exeter has a strong reputation for its straightforward products and excellent customer service, particularly for the self-employed and older applicants.

  • Health Essentials: Instead of a direct add-on, The Exeter offers a standalone 'Health Cash Plan' called Health Essentials. You can buy this alongside their 'Health+' PMI policy to create a comprehensive package.
  • Cashback Simplicity: This plan provides simple cashback for a wide range of everyday health expenses, including dental check-ups, fillings, hygienist visits, eye tests, and glasses. You can also claim for therapies like physiotherapy and osteopathy.

Best for: Those who want a clear, predictable budget for all their routine healthcare costs, not just dental and optical. It's a great way to complement a core PMI policy.

Is It Worth Adding Dental and Optical Cover to Your PMI?

This is the key question. The answer depends on your personal circumstances. Let's look at a quick cost-benefit example for a family of four.

Annual Healthcare Costs Without CoverEstimated Cost
4 x Private Dental Check-ups (@ £70 each)£280
2 x Hygienist Appointments (@ £80 each)£160
1 x Minor Filling£150
2 x Eye Tests (@ £25 each)£50
2 x Pairs of Glasses (@ £150 each)£300
Total Annual Out-of-Pocket Cost£940

Now, let's consider the cost with cover.

Adding a mid-level dental and optical benefit to a family PMI policy might cost an additional £40 - £70 per month, which equates to £480 - £840 per year.

The Verdict: In this scenario, the family could break even or save money, especially if they need any unexpected treatment like a root canal or crown. The real benefit, however, is budget certainty. You pay a fixed monthly premium and know that your routine health maintenance is covered, removing the worry of a large, unexpected bill.

Alternatives to a PMI Add-on

  • Standalone Dental Plans: Companies like Denplan or Bupa Dental offer plans directly through your dentist. These can sometimes offer higher limits for complex work but mean managing another policy and payment.
  • Health Cash Plans: These are simple policies from providers like Benenden Health or Westfield Health that give you money back for a wide range of treatments. They are a great, affordable alternative if your main goal is to cover routine costs.

Beyond Insurance: Proactive Steps for Your Dental and Optical Health

Insurance is a safety net, but the best strategy is always prevention. Looking after your teeth and eyes day-to-day can save you money and discomfort in the long run.

Top Tips for Healthy Teeth and Gums

  1. Mind Your Diet: Sugary foods and drinks are the primary cause of tooth decay. Limit them, and opt for crunchy fruits and vegetables like apples and carrots, which help clean your teeth naturally.
  2. The Brushing Basics: Brush for two minutes, twice a day, with fluoride toothpaste. Don't forget to floss or use interdental brushes daily to clean between your teeth where a brush can't reach.
  3. Don't Skip Check-ups: Regular visits to your dentist and hygienist are essential. They can spot small problems before they become large, painful, and expensive ones.
  4. Avoid Smoking: Smoking is one of the biggest risk factors for gum disease and oral cancer. Quitting is the single best thing you can do for your oral and overall health.

Protecting Your Vision in a Digital World

Our eyes are working harder than ever, staring at screens for hours on end.

  1. The 20-20-20 Rule: To combat digital eye strain, every 20 minutes, look at something 20 feet away for at least 20 seconds. This helps your eye muscles relax.
  2. Eat for Your Eyes: A diet rich in vitamins C and E, zinc, and omega-3 fatty acids can help protect against age-related eye diseases like macular degeneration. Think leafy greens, citrus fruits, oily fish, and nuts.
  3. Wear Sunglasses: Protect your eyes from UV damage, which can contribute to cataracts. Choose sunglasses that block 99% or more of UVA and UVB rays.
  4. Get Regular Eye Tests: An eye test doesn't just check your prescription. It's a vital health check that can detect early signs of glaucoma, diabetes, and even high blood pressure.

How a PMI Broker Like WeCovr Can Help You Choose

The UK private health insurance market is complex. Each insurer has different policy terms, benefit limits, hospital lists, and underwriting methods. Trying to compare them all yourself can be overwhelming and time-consuming.

This is where an independent broker adds immense value.

  1. Expert Market Knowledge: At WeCovr, we live and breathe insurance. We understand the subtle differences between providers and can quickly identify the policies that best match your specific needs and budget.
  2. Personalised Advice: We take the time to understand what's important to you. Are you a young family needing maternity cover? Are you self-employed and worried about time off sick? Do you want a simple plan or one with wellness rewards? We tailor our recommendations to you.
  3. No Extra Cost: Our service is completely free to you. We are paid a commission by the insurer you choose, which is already built into the price of the policy. You get expert, impartial advice without paying a penny extra.
  4. Exclusive Perks: When you arrange your private medical insurance with WeCovr, you also get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. Plus, you may be eligible for discounts on other policies, such as life or income protection insurance.

Our high customer satisfaction ratings are a testament to our commitment to finding the right cover for our clients, ensuring there are no nasty surprises when it's time to claim.

Ready to Protect Your Health from Head to Toe?

Choosing private medical insurance with the right dental and optical cover gives you comprehensive peace of mind. It ensures you can get fast access to high-quality care for major health issues while also helping you budget for the routine maintenance that keeps you smiling and seeing clearly.

Take the next step today. Contact WeCovr for a free, no-obligation quote. Our friendly experts will compare the UK's leading insurers to find the perfect private health cover for you.

Does private medical insurance cover pre-existing dental or optical conditions?

Generally, no. Standard private medical insurance in the UK, including dental and optical add-ons, is designed to cover new, acute conditions that arise after your policy begins. Pre-existing conditions, such as a tooth that already required a crown or an ongoing eye condition like glaucoma, would not be covered. These are typically managed by the NHS or would require a specialist policy.

Can I buy dental and optical insurance without a full PMI policy?

Yes, absolutely. You have two main options. You can purchase a 'standalone dental plan' directly from a provider like Bupa Dental or through your dentist with a company like Denplan. Separately, you can buy a 'health cash plan', which is a simple policy that gives you money back for a wide range of everyday healthcare costs, including dental and optical, as well as therapies like physiotherapy.

How much does adding dental and optical cover to a PMI policy cost?

The cost varies significantly based on the insurer, your age, and the level of cover you choose. As a rough guide for 2025, you can expect a dental and optical add-on to cost between £15 and £40 per person, per month. A basic plan covering only routine check-ups will be at the lower end, while a comprehensive plan with high limits for major dental work will be at the upper end.

Is cosmetic dentistry, like teeth whitening, covered by these plans?

No, cosmetic treatments are almost universally excluded from all dental insurance policies, whether they are part of a PMI plan or standalone. Cover is provided for treatments that are clinically necessary to maintain or restore your oral health, such as fillings, crowns, and root canals. Procedures like teeth whitening or veneers for purely aesthetic reasons are not covered.
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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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