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Best UK PMI for Mental Health Support in 2025

Best UK PMI for Mental Health Support in 2025 2025

As an FCA-authorised expert broker that has helped arrange over 750,000 policies, WeCovr understands that finding the right private medical insurance in the UK goes beyond physical health. Your mental wellbeing is just as crucial. This guide provides an in-depth look at the best private health cover options for mental health support in 2025.

WeCovr compares policies with strong counselling and psychiatric cover

The conversation around mental health in the UK has, thankfully, opened up significantly. Yet, accessing timely support remains a challenge for many. NHS waiting lists for mental health services, particularly for talking therapies, can be lengthy. The latest NHS England data shows that while more people are receiving care, demand continues to outstrip capacity, leaving many in a difficult position.

This is where private medical insurance (PMI) can provide a vital safety net. A good PMI policy offers prompt access to a range of mental health treatments, from counselling sessions to psychiatric consultations, helping you get the support you need, when you need it most.

In this comprehensive 2025 guide, we'll break down:

  • What to look for in a policy with strong mental health benefits.
  • Which leading UK providers offer the most robust cover.
  • The critical details about pre-existing conditions and underwriting.
  • How to build a holistic approach to your mental wellbeing.

Understanding How PMI Covers Mental Health

Before diving into comparisons, it's essential to understand the fundamentals of how private medical insurance addresses mental health. The most important concept to grasp is the difference between acute and chronic conditions.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples in mental health could include a sudden bout of anxiety after a traumatic event or a short-term depressive episode. PMI is designed to cover acute conditions.
  • Chronic Condition: A condition that is long-lasting, has no known cure, and requires ongoing management. This includes conditions like bipolar disorder, schizophrenia, or long-term, treatment-resistant depression. Standard UK PMI policies do not cover chronic conditions.

Critical Note on Pre-Existing Conditions: Private health cover is for conditions that arise after your policy begins. Any mental health condition for which you have sought advice, medication, or treatment in the years before taking out your policy will be considered pre-existing and will typically be excluded from cover.

Key Types of Mental Health Care in PMI

When you see "mental health cover" on a policy document, it usually refers to a combination of the following:

Type of CareDescriptionHow PMI Covers It
Out-patientConsultations, diagnostic tests, or therapies where you are not admitted to a hospital. This is the cornerstone of most mental health treatment.Policies have an annual financial limit (e.g., £1,000, £1,500) or a set number of sessions for therapies like CBT.
Day-patientYou are admitted to a hospital or clinic for a planned course of treatment (like intensive group therapy) but do not stay overnight.Usually covered in full by mid-tier to comprehensive policies, subject to the overall mental health benefit limit.
In-patientYou are admitted to a hospital for overnight treatment. This is for more severe, acute mental health crises requiring a stabilising environment.Covered by most comprehensive policies, often with a limit on the number of days (e.g., 28 days per policy year).

The most common treatments covered include:

  • Counselling & Psychotherapy: Talking therapies with a qualified therapist to explore feelings and behaviours.
  • Cognitive Behavioural Therapy (CBT): A practical therapy focused on changing negative thought patterns.
  • Psychiatric Care: Treatment and medication management by a psychiatrist, a medical doctor specialising in mental health.

What Makes a "Best-in-Class" PMI Policy for Mental Health?

Not all mental health cover is created equal. When comparing policies, you need to look beyond the headline and examine the details. Here’s your checklist for 2025.

  1. Generous Out-patient Limits: This is arguably the most important feature. Most mental health support starts with out-patient therapy. A low limit of £500 might only cover a few sessions. Look for policies offering £1,500 or more, or even unlimited cover on their premium tiers.

  2. Clear Pathway to Treatment: How easily can you access care? The best providers now offer self-referral pathways for mental health, allowing you to bypass the need for a GP appointment and speak directly to their mental health team.

  3. Comprehensive Digital Support: Leading insurers have invested heavily in digital mental health tools. This includes:

    • 24/7 mental health support helplines.
    • Access to virtual GP and therapist appointments.
    • Subscriptions to mindfulness and wellbeing apps like Headspace or Calm.
    • Online CBT courses and mental health resources.

  4. Cover for Psychiatric Treatment: Ensure the policy explicitly covers consultations with psychiatrists, not just therapists and counsellors. This is crucial for conditions that may require specialist diagnosis or medication.

  5. Defined In-patient and Day-patient Benefits: If you need more intensive care, you want to know you're covered. Check the limits for in-patient stays (e.g., 28 or 45 days) and whether day-patient therapy programmes are included.

  6. Minimal Waiting Periods: Some policies may impose a specific waiting period before you can claim for mental health treatment, even if the condition is new. Check the small print.

As a WeCovr client, you also receive complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. We know that good physical health is a pillar of strong mental health, and managing your diet is a powerful step in self-care.

2025 Provider Showdown: Best UK PMI for Mental Health

Here, we compare four of the UK's leading private medical insurance providers, focusing specifically on the strength and flexibility of their mental health offerings.

Disclaimer: Policy details and benefits can change. The information below is based on typical offerings for 2025. A WeCovr advisor can provide the latest, personalised details.

1. Bupa

Bupa has long been a market leader and was one of the first to significantly expand its mental health cover in response to growing demand.

  • Key Strengths for Mental Health:

    • No Waiting Period: For many policies, mental health cover starts as soon as your policy does (for new conditions).
    • Extensive Cover: Even on their core 'Bupa By You' policy, they cover mental health as standard, including out-patient consultations and therapies.
    • Direct Access: Bupa members can call their Mental Health Support Team directly without a GP referral to discuss symptoms and get advice on the next steps.
    • Extended Cover for More Conditions: Bupa has pioneered covering the monitoring of certain previously excluded long-term conditions, which can be a significant benefit.

  • Potential Limitations:

    • The level of out-patient cover is tied to your chosen plan, so you need to select a higher-tier option for the most comprehensive benefits.

  • Best for: Individuals and families looking for robust, integrated mental health support from day one, with an easy-to-navigate pathway to care.

2. AXA Health

AXA Health places a strong emphasis on proactive and preventative wellbeing, which extends deeply into their mental health support.

  • Key Strengths for Mental Health:

    • Strong Digital Offering: Members get access to the 'Doctor at Hand' virtual GP service and a wealth of online resources through their Health and Wellbeing hub.
    • Mind Health Service: This dedicated service provides direct access to counsellors, therapists, and psychologists, often for an initial assessment without impacting your out-patient limit.
    • Flexible Out-patient Options: AXA allows you to choose your level of therapy cover, so you can tailor the policy to your anticipated needs and budget.
    • Focus on Young People: AXA has specific resources and support pathways designed for children and young adults, a key area of growing need.

  • Potential Limitations:

    • Their standard policies may have more defined limits on the number of therapy sessions compared to Bupa's more open-ended approach on higher tiers.

  • Best for: Those who value strong digital tools, proactive wellbeing support, and the ability to access specialist advice quickly.

3. Aviva

Aviva provides a solid, dependable option with clear and well-structured benefits, making it a popular choice for those new to private medical insurance.

  • Key Strengths for Mental Health:

    • Generous Standard Benefit: The 'Healthier Solutions' policy typically includes a significant mental health benefit as standard, covering both in-patient and out-patient care up to a combined limit.
    • Mental Health Pathway: Aviva provides a clear, guided process for getting help, often starting with a call to their 24/7 GP helpline.
    • BacktoBetter Programme: While focused on musculoskeletal issues, the principles of this expert-led triage and treatment programme are applied to mental health, ensuring you see the right specialist promptly.

  • Potential Limitations:

    • Less emphasis on self-referral than Bupa or AXA; a GP referral is more commonly required to initiate specialist treatment.
    • Digital tools are good but perhaps not as integrated as some competitors.

  • Best for: Buyers who want straightforward, reliable cover with clearly defined (and often generous) benefits from a trusted brand.

4. Vitality

Vitality's unique model rewards healthy living with discounts and perks. Their mental health cover is an integral part of this holistic, proactive approach.

  • Key Strengths for Mental Health:

    • Incentivised Wellbeing: Engaging in healthy activities (tracked via their app) can reduce your future premiums. This includes mindfulness activities, which directly contribute to mental wellness.
    • Talking Therapies as a Core Benefit: Vitality provides access to a set number of talking therapy sessions (e.g., CBT) with a small excess per session, often without needing to claim against your main out-patient limit.
    • Partnerships with Wellbeing Apps: Members get discounted or free access to leading apps like Headspace, encouraging daily mental fitness.
    • Comprehensive Psychiatric Cover: Higher-tier plans offer unlimited cover for psychiatric treatment when referred.

  • Potential Limitations:

    • The model requires active engagement to get the most value. It's not a "set and forget" policy.
    • The core benefit for talking therapies might be limited to a specific number of sessions before you need to use your main out-patient allowance.

  • Best for: Individuals who are motivated to actively manage their health and want their insurance to reward them for it.

Comparison of Top PMI Providers for Mental Health (2025)

FeatureBupaAXA HealthAvivaVitality
Pathway to CareSelf-referral via Mental Health TeamSelf-referral via Mind Health ServiceGP referral often requiredGP referral or online assessment
Typical Out-patient LimitTiered (£500 to unlimited)Tiered (£1,000 to unlimited)Included in overall mental health limitCore benefit + tiered main limit
Digital SupportDigital GP, Bupa Touch App, large online libraryDoctor at Hand, extensive wellbeing hub24/7 GP Helpline, Aviva DigiCare+Vitality GP, Headspace partnership, rewards app
In-patient CoverGood, often included as standardComprehensive, available on most plansGood, often included as standardComprehensive on higher-tier plans
Unique Selling PointNo initial waiting period for mental health coverProactive 'Mind Health' assessment serviceStraightforward, generous single benefit limitRewards for healthy living and mindfulness

The Cost Factor: What Influences Your PMI Premium?

The price of private medical insurance with strong mental health cover depends on several key factors:

  • Age: Premiums increase as you get older.
  • Location: Treatment costs vary across the UK, with central London being the most expensive.
  • Level of Cover: A policy with unlimited out-patient benefits will cost more than one with a £1,000 limit.
  • Excess: This is the amount you agree to pay towards a claim. A higher excess (e.g., £500) will significantly lower your monthly premium compared to a £100 excess.
  • Underwriting: The method the insurer uses to assess your medical history.

Illustrative Monthly Premiums

These are example costs for a comprehensive policy with good mental health cover. Your actual quote will vary.

AgeLocationExample Monthly Premium (with £250 excess)
30Manchester£65 - £85
30London£80 - £110
45Manchester£90 - £120
45London£115 - £150

An expert PMI broker like WeCovr can run a full market comparison for you, finding the perfect balance of cover and cost for your specific circumstances. We also offer discounts on other policies, like life or income protection insurance, when you purchase PMI through us.

A Deeper Dive: Underwriting and Pre-existing Conditions

This is the most misunderstood part of PMI. Let's make it simple.

When you apply, an insurer will use one of two main methods to handle your past medical history.

  1. Moratorium (MOR) Underwriting: This is the most common type. You don't declare your full medical history upfront. Instead, the insurer applies a blanket exclusion for any condition you've had symptoms, treatment, or advice for in the last 5 years. This exclusion can be lifted if you go for a continuous 2-year period after your policy starts without any symptoms, treatment, or advice for that specific condition. It's a "wait and see" approach.

  2. Full Medical Underwriting (FMU): You complete a detailed health questionnaire, declaring all your past conditions. The insurer then assesses this and tells you upfront exactly what is and isn't covered. Any pre-existing mental health issue, even a single GP visit for stress five years ago, would be explicitly excluded from cover.

Which is better? For someone with a history of minor, historic mental health issues (e.g., a brief spell of anxiety 3-4 years ago with no recent issues), a moratorium policy might eventually provide cover for that condition if you remain symptom-free. For those with more recent or complex histories, FMU provides clarity from day one. A WeCovr advisor can help you decide which path is right for you.

Beyond Insurance: A Holistic Approach to Mental Wellbeing

While PMI provides a critical treatment pathway, building lasting mental resilience involves a holistic approach. The best insurance policy is the one you never have to use.

  • Nourish Your Brain: What you eat directly impacts your mood and cognitive function. A diet rich in omega-3s (found in oily fish), leafy greens, and whole grains can support brain health. Use WeCovr's complimentary CalorieHero app to track your nutrition and make healthier choices.
  • Prioritise Sleep: The link between poor sleep and poor mental health is undeniable. Aim for 7-9 hours of quality sleep per night. Establish a routine, reduce screen time before bed, and create a restful environment.
  • Move Your Body: Exercise is a powerful antidepressant. Even a brisk 30-minute walk each day can release endorphins, reduce stress, and improve self-esteem. Find an activity you enjoy, whether it's hiking, cycling, yoga, or dancing.
  • Practise Mindfulness: You don't need to be a guru to benefit from mindfulness. Take five minutes each day to focus on your breath. Use apps like Headspace or Calm (often included with PMI) to guide you. This simple practice can reduce anxiety and improve focus.
  • Stay Connected: Social connection is a fundamental human need. Make time for friends and family. Talk openly about how you're feeling with people you trust. Strong social bonds are a powerful buffer against mental health challenges.

How WeCovr Makes Finding the Right Policy Simple

Navigating the private medical insurance market can feel overwhelming. The jargon is complex, and the policies are detailed. That's where we come in.

As an independent, FCA-authorised PMI broker, WeCovr works for you, not the insurers.

  • We Compare the Market: We have access to policies from all the leading UK providers, ensuring you see the best options available.
  • Expert, Jargon-Free Advice: Our friendly advisors explain everything in Plain English, helping you understand exactly what you're buying. This service comes at no cost to you.
  • Personalised Recommendations: We take the time to understand your needs, budget, and health history to recommend the policy that offers the best value for your mental and physical wellbeing.
  • Trusted by Customers: We're proud of our high customer satisfaction ratings, built on providing transparent and helpful advice.

Your mental health is your most valuable asset. Investing in a private medical insurance policy that protects it is one of the smartest decisions you can make in 2025.

Can I get private health insurance if I've had anxiety or depression before?

Yes, you can still get private health insurance, but it's very important to understand that the previous instance of anxiety or depression will be classed as a pre-existing condition. Standard UK PMI policies do not cover pre-existing conditions. This means you would not be able to claim for treatment related to that specific condition. However, you would be covered for new, acute mental health conditions that arise after your policy starts, as well as for all other eligible physical health conditions.

Does PMI cover therapy for chronic conditions like ADHD or autism?

Generally, no. Private medical insurance is designed to cover acute conditions that are expected to resolve with treatment. Neurodevelopmental conditions like ADHD and autism, as well as chronic mental illnesses like bipolar disorder, are considered long-term and chronic. Therefore, the diagnosis and ongoing management of these conditions are typically excluded from standard PMI cover. Some policies may offer limited benefits for an initial diagnosis, but not for the long-term treatment and support.

How many therapy sessions can I get on a typical PMI policy?

This varies significantly between policies. A basic policy might have a low out-patient financial limit of around £500, which might only cover 6-8 therapy sessions. Mid-tier policies often offer £1,000-£1,500, covering a more substantial course of therapy. Comprehensive, top-tier plans can offer unlimited out-patient cover, meaning the number of sessions is determined by clinical need rather than a financial cap. It is crucial to check the out-patient limit, as this is the key factor determining the amount of therapy you can access.

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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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