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Bupa vs AXA Health in 2025

Bupa vs AXA Health in 2025 2025 | Top Insurance Guides

As an FCA-authorised broker that has helped arrange over 750,000 policies, WeCovr provides this expert guide to Bupa and AXA Health. Choosing the right private medical insurance in the UK can feel overwhelming, but we're here to give you the clarity you need to make an informed decision.

WeCovr's head-to-head comparison of the UK's two biggest PMI providers

When it comes to private medical insurance in the UK, two names stand head and shoulders above the rest: Bupa and AXA Health. They are the titans of the industry, covering millions of members and setting the standard for private healthcare. But which one is right for you in 2025?

Making this choice is about more than just price. It's about understanding the nuances of their cover, the flexibility of their options, and the quality of their service when you need it most. With NHS waiting times remaining a significant concern—with the overall waiting list in England still numbering in the millions according to recent NHS data—more people than ever are considering private health cover to gain peace of mind and faster access to treatment.

This in-depth comparison will break down every key aspect of Bupa and AXA Health's offerings, from their core policies and hospital networks to their digital health tools and customer service.

Bupa and AXA Health: A Brief Introduction

Before we dive into the details, let's get to know the providers.

Bupa Founded in 1947 just before the NHS, Bupa (the British United Provident Association) has a unique structure. It's a company limited by guarantee, meaning it has no shareholders. Any profits are reinvested back into the business to improve services and facilities. This heritage and structure often appeal to those looking for a provider with a singular focus on healthcare. Bupa is a global brand but has deep roots and an extensive network within the UK.

AXA Health Part of the global AXA Group, a world leader in insurance and asset management, AXA Health brings formidable financial backing and a modern, innovative approach to the market. Originally known as PPP (Private Patients Plan), it was acquired by AXA and has since built a reputation for flexible, modular policies and a strong focus on digital health and preventative wellbeing.

FeatureBupaAXA Health
Founded19471940 (as PPP)
StructureCompany limited by guarantee (no shareholders)Part of the global AXA Group (PLC)
Market FocusStrong heritage, reinvests profits into healthcareGlobal insurance giant, focus on innovation & flexibility
Known ForComprehensive cover, extensive own-brand facilitiesModular policies, strong digital health offerings

Core Cover: What's Included as Standard?

Both Bupa and AXA Health build their policies around a core foundation of cover, primarily focused on treatment for acute conditions that arise after you join. It is vital to understand that standard UK private medical insurance does not cover chronic or pre-existing conditions. We'll explore this critical point in more detail later.

The core cover is designed to handle the most significant medical costs associated with in-patient and day-patient treatment.

Here’s a typical breakdown of what’s included in their standard policies:

Core BenefitBupa 'By You'AXA Health 'Personal Health'
In-patient TreatmentCovered in full (for eligible conditions at a partner hospital)Covered in full (for eligible conditions at a Directory of Hospitals facility)
Day-patient TreatmentCovered in fullCovered in full
Cancer CoverExtensive cover as standard, including chemotherapy, radiotherapy, and surgical procedures. Some advanced therapies may be optional.Comprehensive cancer cover as standard, including therapies and support.
Virtual GP AccessYes, Digital GP app available 24/7.Yes, Doctor at Hand service available 24/7.
Mental Health SupportAccess to mental health support lines and resources as standard.Access to mental health support lines and resources as standard.
Post-treatment TherapiesLimited cover for therapies like physiotherapy following a related in-patient or day-patient procedure.Limited cover for therapies like physiotherapy following an eligible in-patient or day-patient procedure.

What does this mean in practice?

Imagine you develop severe knee pain and your GP suspects a torn meniscus. A standard Bupa or AXA Health policy would typically cover:

  1. The specialist consultation to diagnose the issue.
  2. The MRI scan.
  3. The keyhole surgery (arthroscopy) to repair the tear, including hospital fees and surgeon's fees.
  4. A limited number of physiotherapy sessions after the surgery to aid your recovery.

The fundamental protection offered by both is very similar. The main differences start to appear when you look at the optional extras and how you can tailor the policy to your needs.

Customising Your Policy: Optional Extras

This is where you can truly shape your private health cover to match your priorities and budget. Both providers offer a 'menu' of add-ons.

Out-patient Cover

This is arguably the most important optional extra. While core cover handles your treatment in a hospital bed, out-patient cover pays for the diagnostic stage—the consultations and tests needed to find out what's wrong in the first place.

  • Bupa: Offers various levels of out-patient cover, from a basic limit of around £500 to £1,000, or a fully comprehensive option. Choosing a lower limit is a common way to reduce your premium.
  • AXA Health: Also provides tiered out-patient limits. Their "Standard" out-patient option is a popular middle ground, but you can also opt for "Full" cover or choose to have no out-patient cover at all to save money (relying on the NHS for diagnostics).

Therapies Cover

This extends the cover for services like physiotherapy, osteopathy, and chiropractic treatment beyond what's included post-surgery. If you lead an active lifestyle or are prone to sports injuries, this is a valuable add-on.

  • Bupa: You can add a specified number of sessions or a monetary limit for therapies.
  • AXA Health: Therapies cover is an optional benefit you can choose to include in your plan.

Mental Health Cover

While both offer some mental health support as standard, this optional extra provides comprehensive cover for psychiatric treatment, including consultations with psychiatrists and sessions with psychologists. Given the growing focus on mental wellbeing, this is an increasingly popular choice.

  • Bupa: Their mental health cover is extensive, covering both in-patient and out-patient psychiatric care.
  • AXA Health: Offers a dedicated mental health option that covers a wide range of conditions and therapies.

Dental and Optical Cover

This add-on provides cashback for routine check-ups, treatments, and new glasses or contact lenses. It functions more like a cashback plan than traditional insurance.

Optional BenefitBupa ApproachAXA Health ApproachWeCovr's Insight
Out-patient CoverMonetary limits (£500, £750, £1000) or comprehensive.Named options ('Standard', 'Full') or none.This is the biggest lever for controlling your premium. We can help model the cost differences for you.
Therapies CoverCan be added to cover a set number of sessions for physiotherapy, etc.A distinct optional benefit that can be added or removed.Crucial for active people. Consider your lifestyle and history of musculoskeletal issues.
Mental HealthComprehensive add-on for in-patient and out-patient psychiatric care.A dedicated mental health pathway that can be added to your plan.Increasingly vital. Both providers have robust options here.
Dental & OpticalAvailable as a cashback add-on for routine care and treatments.Also available as a cashback benefit.Can be good value if you are a regular visitor to the dentist and optician.

Hospital Lists: The Hidden Differentiator

Where you can be treated is a fundamental part of your policy and has a major impact on your premium. Both insurers use a tiered hospital list system.

  1. Local/Limited Lists: These offer access to a selection of private hospitals in your local area but exclude the pricier facilities, especially those in Central London. This is the most budget-friendly option.
  2. National Lists: These provide access to a wide range of private hospitals across the UK, including those run by major groups like Nuffield Health, Spire Healthcare, and Circle Health Group.
  3. London Upgrade/Premium Lists: These include the top-tier, high-cost hospitals in Central London, such as The London Clinic or The Lister Hospital. This option carries the highest premium.

Bupa refers to its networks as 'Essential Access' (the most restricted), 'Extended Choice' (a good national network), and 'Extended Choice with London' (the premium option).

AXA Health has its 'Directory of Hospitals', and you can choose to add the 'London and UK Hospitals' option for more comprehensive access.

Choosing the right list is a balancing act. If you live outside a major city and are happy to be treated locally, a restricted list can save you a significant amount of money. If you want the ultimate flexibility to be treated anywhere, including the top London consultants, you'll need a premium list. An expert PMI broker like WeCovr can help you assess the hospital lists in your specific area to ensure you're not paying for access you don't need.

Underwriting: How Insurers Assess Your Medical History

This is a technical but crucial part of any private medical insurance UK application. It determines how the insurer will treat any medical conditions you've had in the past.

There are two main types for new customers:

  1. Moratorium Underwriting (Mori): This is the most common and simplest option. You don't have to declare your full medical history upfront. Instead, the insurer automatically excludes treatment for any condition you've had symptoms, treatment, or advice for in the 5 years before your policy starts. However, if you then go 2 full years on the policy without any symptoms, treatment, or advice for that condition, it may become eligible for cover. It's often described as a "wait and see" approach.

  2. Full Medical Underwriting (FMU): With this option, you complete a detailed health questionnaire, declaring your entire medical history. The insurer then assesses this information and gives you a definitive list of what is and isn't covered from day one. It provides certainty but can mean certain conditions are permanently excluded.

Which is better?

  • Moratorium is quick and easy but can lead to uncertainty at the point of claim, as the insurer will investigate your history then.
  • Full Medical Underwriting takes more time at the start but provides absolute clarity on what is excluded. It's often the preferred choice for people who want no grey areas.

Both Bupa and AXA Health offer both options, as well as switching options for those who already have a policy elsewhere.

The Critical Point: What PMI Does NOT Cover

This cannot be overstated. Private medical insurance is designed to cover acute conditions that begin after your policy starts.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a cataract, joint replacement, hernia repair).
  • Chronic Condition: A condition that is long-lasting and often has no known cure. It can be managed but not fixed (e.g., diabetes, asthma, high blood pressure, Crohn's disease).
  • Pre-existing Condition: Any condition for which you have experienced symptoms, received medication, advice, or treatment in the 5 years prior to taking out your policy.

Standard PMI policies from Bupa, AXA Health, and all other UK providers will not cover the routine management of chronic conditions or any pre-existing conditions (as defined by your underwriting terms).

This is why PMI is seen as a complement to the NHS, not a replacement. The NHS provides excellent care for chronic condition management and emergencies. PMI provides a way to bypass waiting lists for eligible acute conditions.

Digital Health, Wellness, and Member Benefits

In 2025, a PMI policy is about more than just claims. It's about proactive health and wellbeing support. This is a key area where Bupa and AXA Health compete fiercely.

FeatureBupaAXA Health
Virtual GP ServiceBupa's Digital GP: 24/7 access via an app, offering video consultations and private prescriptions.Doctor at Hand: A 24/7 service provided by AXA Health, also offering appointments and prescriptions.
Mental Health AppAccess to resources and support through the Bupa Touch app.Strong focus with dedicated support lines and access to the 'Mind Health' service.
Health InformationBupa's 'Healthline' is a 24/7 nurse-staffed phone line for general medical advice.'Health at Hand' is AXA's equivalent, a 24/7 phone line staffed by nurses and counsellors.
Wellness IncentivesBupa offers member discounts on gym memberships, health screenings, and other lifestyle products.AXA has a similar range of member offers, including gym discounts and deals with health-related brands.

WeCovr's Added Value: When you arrange your policy through WeCovr, we provide complimentary access to our own AI-powered nutrition app, CalorieHero. This tool helps you track your diet and make healthier food choices, complementing the wellness benefits offered by your chosen insurer. Furthermore, clients who purchase PMI or Life Insurance through us often receive exclusive discounts on other types of cover, such as home or travel insurance.

Customer Service and Claims Experience

A policy is only as good as the service you receive when you need to use it. Both Bupa and AXA Health have large, UK-based claims and customer service teams.

  • Bupa: Often praised for its direct, no-fuss approach. Because Bupa runs some of its own facilities, the claims process can feel very integrated if you're treated within their network. They have a well-regarded digital portal, 'Bupa Touch', for managing your policy and claims.
  • AXA Health: Known for a very clear and structured claims process. Members often report that their online portal and app are user-friendly, making it simple to pre-authorise treatment and track claims.

Ultimately, customer service can be subjective. Both providers handle millions of claims a year and generally receive positive feedback, though like any large organisation, they are not immune to occasional service issues. High customer satisfaction ratings on independent review sites are a good indicator for both giants.

Price and Value for Money: Bupa vs AXA Health

It's impossible to say definitively which provider is cheaper, as the cost of a policy is highly personalised. Your premium will depend on:

  1. Your Age: Premiums increase as you get older.
  2. Your Location: Living in or near London and other major cities generally costs more due to higher hospital fees.
  3. Your Chosen Cover: The more comprehensive the cover (full out-patient, low excess, premium hospital list), the higher the price.
  4. Your Excess: This is the amount you agree to pay towards a claim. A higher excess (£500 or £1,000) will significantly lower your monthly premium compared to a £0 or £100 excess.
  5. No Claims Discount: Both providers offer a no-claims discount that increases each year you don't make a claim, rewarding you for staying healthy.

Illustrative Monthly Premiums (2025) The following are for illustration only and are not real quotes.

ProfileBupa 'By You' (Mid-range cover)AXA Health 'Personal Health' (Mid-range cover)
30-year-old, non-smoker, Bristol~£55~£50
45-year-old, non-smoker, Manchester~£80~£75
55-year-old, non-smoker, London~£140~£130

Generally, AXA Health can sometimes appear slightly more competitive on price for younger individuals, while Bupa's comprehensive cancer cover and integrated network are strong value propositions. However, the only way to know for sure is to get a personalised comparison from a specialist PMI broker.

The Verdict: Who Should You Choose in 2025?

There is no single "best PMI provider" for everyone. The right choice depends entirely on your individual needs and priorities.

Choose Bupa if:

  • You value the heritage and non-profit ethos of a company solely dedicated to healthcare.
  • You want their highly-regarded, comprehensive cancer cover as a core part of your policy.
  • You may use Bupa's own network of hospitals and clinics, which can lead to a seamless experience.
  • You prefer a brand that is a household name synonymous with private healthcare in the UK.

Choose AXA Health if:

  • You want a highly flexible, modular policy that you can build from the ground up to fit your exact budget.
  • You are tech-savvy and place a high value on excellent digital tools like the Doctor at Hand app.
  • You are looking for a potentially more competitive premium, particularly if you are younger.
  • You like the backing and security of a global insurance powerhouse.

Why Use an Expert Broker Like WeCovr?

Trying to compare Bupa and AXA Health on your own can be complex. The terminology is confusing, and the impact of different choices (like hospital lists or underwriting) isn't always clear.

This is where WeCovr adds huge value.

  • Expertise: We are specialists in the UK private medical insurance market. We know the Bupa and AXA Health products inside-out.
  • Personalisation: We take the time to understand your unique needs, budget, and health concerns to recommend the policy that is genuinely right for you.
  • No Cost to You: Our service is free. We receive a commission from the insurer you choose, but this does not affect the premium you pay. You get expert advice without any extra charge.
  • Market Comparison: We compare the market for you, ensuring you see how Bupa and AXA Health stack up against other leading providers, giving you a complete picture.

Navigating the world of private health cover doesn't have to be a challenge. With the right guidance, you can secure a policy that gives you and your family invaluable peace of mind.


Does Bupa or AXA Health cover pre-existing conditions?

Generally, no. Standard UK private medical insurance, including policies from Bupa and AXA Health, is designed to cover new, acute medical conditions that arise after your policy begins. Pre-existing conditions (those you've had symptoms or treatment for in the 5 years before joining) are typically excluded, either permanently with Full Medical Underwriting or for a set period with Moratorium underwriting.

Is dental treatment included with Bupa or AXA Health?

Standard core policies do not include routine dental or optical cover. However, both Bupa and AXA Health offer this as an optional add-on. This benefit usually works like a cashback plan, where you pay for your treatment (e.g., a check-up, filling, or new glasses) and then claim a portion of the cost back from the insurer, up to an annual limit.

Can I switch from the NHS to private care with Bupa or AXA?

Yes, this is a primary reason people use private medical insurance. If you are on an NHS waiting list for an eligible procedure (like a hip replacement or cataract surgery), a PMI policy can allow you to be treated much faster in a private hospital. You will typically need a GP referral to start the process. The policy covers the cost of the specialist and the private hospital fees, subject to your policy's terms and limits.

Which is cheaper, Bupa or AXA Health?

There is no simple answer, as the price is highly individual. It depends on your age, location, the level of cover you choose, and your excess. In some scenarios, AXA Health may offer a lower starting premium, but Bupa may provide more comprehensive benefits as standard. The only way to find out which offers the best value for you is to get personalised quotes. A broker can compare both providers on a like-for-like basis for you.

**Ready to find the right private health cover for you?**

Get a free, no-obligation quote from WeCovr today. Our expert advisors will compare Bupa, AXA Health, and other leading UK insurers to find the perfect policy for your needs and budget.

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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.

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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