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Can I Add Family Members to My Health Insurance Policy

Can I Add Family Members to My Health Insurance Policy 2025

As an FCA-authorised broker that has arranged over 750,000 policies, WeCovr understands that your family's health is your top priority. This guide explores adding loved ones to your private medical insurance in the UK, ensuring you have the clarity to make the best choice for those who matter most.

WeCovr explains adding partners, children, and dependants to PMI policies

Private Medical Insurance (PMI) is designed to give you fast access to high-quality private healthcare for new, treatable medical conditions. But what about your family? The good news is that most UK health insurers make it simple to extend this valuable protection to your loved ones.

A family health insurance policy bundles cover for you, your partner, and your children under a single plan. This approach is not only more convenient, with one set of paperwork and a single renewal date, but it can often be more cost-effective than buying separate policies for each person.

In this guide, we'll break down everything you need to know about creating a policy that protects your entire family, from who you can add, to how the cost is calculated, and the crucial rules about what is and isn't covered.

Why Consider a Family Health Insurance Policy?

Deciding to invest in private health cover is a significant step. Choosing a family policy brings several powerful advantages that provide both financial sense and invaluable peace of mind.

  • Faster Access to Treatment: This is the primary reason most people consider PMI. With NHS waiting lists in the UK remaining a significant concern—the British Medical Association noted the waiting list in England was around 7.5 million in early 2024—PMI allows your family to bypass these queues for eligible conditions. This means a quicker diagnosis and faster treatment when it's needed most.
  • Simplicity and Convenience: Managing one policy is far easier than juggling several. You have one premium, one renewal date, and one point of contact for any claims or queries. This streamlines administration and reduces hassle.
  • Potential Cost Savings: Insurers often provide discounts for adding family members compared to the total cost of individual policies. The administrative savings for the insurer are passed on to you, making it a more economical choice for covering two or more people.
  • Continuity of Care: A family policy ensures everyone is covered under the same terms and benefits (though you can sometimes tailor it). This consistency means you know exactly what to expect, regardless of which family member needs to use the policy.
  • Access to Specialist Care and Drugs: The NHS is world-class, but it has budget limitations. PMI can provide access to specialist consultants, advanced diagnostic scans, and breakthrough treatments or drugs that may not be available on the NHS due to cost.

For many families, the combination of speed, choice, and comfort makes private medical insurance a cornerstone of their health and wellbeing strategy.

Who Can I Add to My Private Health Insurance Policy?

Insurers have clear definitions for who qualifies as a dependant. Let's explore the common categories.

Adding Your Partner or Spouse

You can almost always add your partner to your policy, whether you are:

  • Legally married
  • In a civil partnership
  • Cohabiting (living together as a couple)

When adding a partner, they will be subject to the same underwriting process as you. You'll need to provide their personal details (name, date of birth) and declare their medical history, just as you did for yourself. This ensures the insurer has a clear picture of the risk and can set the terms of the cover accordingly.

Adding Your Children

Adding children is one of the most popular features of family PMI. Here's what you need to know:

  • Age Limits: Insurers typically allow you to add children up to the age of 21. This is often extended to 24 or 25 if they are still in full-time education. This is a key detail to check, as it varies between providers.
  • Newborns: Most insurers allow you to add a newborn baby to your policy, often with special terms. Some may offer a "free cover" period for the first few months, or they may require you to add them at your next renewal. It's vital to inform your insurer as soon as possible after the birth to ensure the baby is covered.
  • Adopted Children and Stepchildren: Yes, adopted children and stepchildren can be added to a family policy in the same way as biological children. They are considered eligible dependants.

When adding a child, especially an older one, they will also be underwritten based on their medical history.

A Quick Comparison of Child Age Limits (Illustrative)

InsurerStandard Child Age LimitExtended Limit (Full-Time Education)
AXA HealthUp to 20Up to 25
AvivaUp to 21Up to 25
BupaUp to 21Up to 24
VitalityUp to 25N/A

Note: These details are for illustrative purposes and can change. A WeCovr adviser can provide the most current information for each insurer.

Adding Other Dependants

This is less common. Standard family policies are typically designed for partners and children. Adding an elderly parent, for instance, is usually not possible under the same family plan. They would almost always require their own separate policy, which would be priced based on their age and health status.

The Core Rule of UK PMI: Acute vs. Chronic Conditions

This is the single most important concept to understand about private medical insurance in the UK. Failure to grasp this can lead to disappointment at the point of claim.

PMI is designed to cover acute conditions that arise after your policy begins.

  • An Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include cataracts, joint problems needing replacement, hernias, and most infections. PMI excels here, providing fast access to surgery and treatment to resolve the issue.

  • A Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, has no known cure, is likely to recur, or requires ongoing management. Examples include diabetes, asthma, high blood pressure, arthritis, and Crohn's disease. Standard UK PMI does not cover the routine management of chronic conditions.

  • Pre-existing Conditions: This refers to any ailment for which you have experienced symptoms, sought advice, or received treatment before the start of your policy (typically within the last five years). These are also excluded from cover, at least initially.

PMI works alongside the NHS. The NHS will continue to provide emergency care and manage any long-term chronic conditions. PMI provides a parallel route for new, curable conditions, allowing you to get back on your feet faster.

How Does Underwriting Work for Family Members?

Underwriting is the process an insurer uses to assess risk and decide on the terms of your policy. Each person on a family plan is underwritten individually, even though they are all on the same policy. There are two main types.

Moratorium Underwriting (Mori)

This is the most common and simplest method. You don't need to complete a detailed medical questionnaire. Instead, the insurer applies a general rule:

  • Any medical condition you (or a family member) have had symptoms, treatment, or advice for in the 5 years before the policy starts is automatically excluded.
  • However, if you then complete 2 full, continuous years on the policy without any symptoms, treatment, or advice for that specific condition, it may become eligible for cover.

It’s a "wait and see" approach. It's quick to set up but can create uncertainty about what's covered until you need to make a claim.

Full Medical Underwriting (FMU)

With FMU, you and each family member joining the policy must complete a detailed health questionnaire. You must declare your full medical history.

Based on this information, the insurer will give you a definitive list of what is and isn't covered from day one. Any specific conditions they choose to exclude will be listed in writing on your policy documents. These exclusions are often permanent.

Which is Better for a Family?

  • Moratorium is great for families who are generally healthy and want a quick and simple application process.
  • Full Medical Underwriting is better for those who want absolute clarity from the start, or for individuals who have had minor health issues in the past that they believe an insurer might agree to cover.

An expert PMI broker like WeCovr can discuss your family's specific health history and help you decide which underwriting method is the most suitable.

The Cost of Adding Family Members to Your PMI

The price of a family health insurance policy is not one-size-fits-all. It is calculated based on a combination of factors for each individual on the policy.

Key Factors Influencing Your Premium:

  1. Age and Number of Members: The older a person is, the higher their portion of the premium will be. Adding more people increases the overall cost, but the 'per-person' price is often lower than it would be on an individual plan.
  2. Level of Cover: Policies range from basic (covering inpatient treatment only) to comprehensive (including outpatient consultations, diagnostics, and therapies). The more extensive the cover, the higher the price.
  3. Policy 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 lower excess (e.g., £100).
  4. Hospital List: Insurers offer different tiers of hospitals. A list that includes only local private hospitals will be cheaper than one that provides access to premium central London hospitals.
  5. Your Postcode: The cost of private treatment varies across the country, so your home address can influence the premium.

Example Family PMI Costs (Illustrative)

To give you a rough idea, here are some sample monthly premiums. These are for illustrative purposes only and will vary widely based on the factors above.

Family CompositionExample Monthly Premium (Mid-Range Cover, £250 Excess)Example Monthly Premium (Comprehensive Cover, £100 Excess)
Couple (Both aged 35)£85 - £120£130 - £180
Family of 3 (Parents 40, Child 8)£110 - £160£170 - £240
Family of 4 (Parents 42, Children 12 & 10)£130 - £190£200 - £280

The only way to get an accurate price is to get a tailored quote.

The Process: How to Add a Family Member to a Policy

Whether you're starting from scratch or have an existing policy, the process is straightforward.

Adding Family to a New Policy

  1. Gather Details: Collate the full name, date of birth, and address for every family member you wish to include.
  2. Discuss Health History: Have an open conversation with your partner about any pre-existing conditions.
  3. Get Comparative Quotes: This is where WeCovr adds huge value. We will take your family's details and compare policies and prices from across the UK's leading insurers, saving you time and money.
  4. Choose Underwriting: We'll help you decide between Moratorium and Full Medical Underwriting.
  5. Complete the Application: We'll guide you through the application to ensure everything is completed accurately.

Adding a Family Member to an Existing Policy

It's usually easiest to add a family member at your annual policy renewal.

  1. Contact Your Broker: Let your adviser at WeCovr know you want to add someone before your renewal date.
  2. Provide Details: You'll need to supply the new member's personal information.
  3. Underwriting: The new person will be underwritten (either Mori or FMU). Their medical history will not affect the cover for existing members.
  4. Receive New Premium: Your premium will be recalculated to include the additional person, and you'll receive your new policy documents.

In special circumstances, such as a marriage or birth, most insurers will allow you to add a family member mid-term. It's important to contact your provider or broker as soon as possible after the event.

Are There Any Special Benefits for Families?

Modern private health insurance is about more than just paying for claims; it's about promoting a healthy lifestyle. This is especially true for family policies.

  • Wellness and Reward Programmes: Insurers like Vitality are famous for rewarding families for staying active. By tracking your activity through apps and wearable tech, you can earn discounts on your premium, as well as weekly cinema tickets or coffee.
  • Exclusive WeCovr Benefits: When you arrange your PMI with us, your family gets complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, to help you build healthy habits together. Furthermore, PMI clients often qualify for discounts on other products like life insurance or income protection.
  • Virtual GP Services: This is a game-changer for parents. Most policies now include 24/7 access to a virtual GP via phone or video call. You can get medical advice, prescriptions, or a referral for your child without leaving your home.
  • Mental Health Support: Recognising the pressures on modern families, insurers have vastly improved their mental health cover. This often includes access to counselling or therapy without needing a GP referral first, providing quick support for issues like anxiety or stress for both adults and teenagers.

Real-Life Example: The Taylor Family's Journey

Let's look at a typical scenario.

Mark (42) and Laura (40) have two children, Emily (11) and Ben (7). They are a healthy, active family but are increasingly worried about long NHS waits for common childhood procedures and diagnostics. Laura's friend recently waited 14 months for her son to have his tonsils removed.

They decide to explore their options and contact WeCovr. Their adviser explains the difference between a basic and a comprehensive policy. They decide on a mid-range plan from Aviva that includes good outpatient cover. Because they have no major health concerns, they opt for Moratorium underwriting for its simplicity.

Their policy costs them £145 per month with a £250 excess. Nine months later, Ben starts suffering from recurrent ear infections. Their GP suspects 'glue ear' and says the NHS audiology referral could take months. They call their PMI provider, who authorises an immediate consultation with a private ENT specialist. The specialist recommends grommet surgery, which is scheduled for just three weeks later in a clean, comfortable private hospital.

The policy covered the entire cost, minus their £250 excess. For the Taylors, the peace of mind and speed of treatment confirmed they had made the right decision for their family.

Top Tips for Choosing Family Health Cover

  1. Use an Independent Broker: A broker like WeCovr works for you, not the insurer. We provide impartial advice and compare the market to find the best value, at no cost to you.
  2. Review Cover Annually: Don't just auto-renew. Your family's needs change. We can re-shop the market for you each year to ensure you're still on the best plan.
  3. Check the Hospital List: Ensure the list of approved hospitals includes facilities that are convenient for you and have a good reputation.
  4. Understand the Excess: Choose an excess level you are genuinely comfortable paying. A higher excess saves money on premiums but means a larger upfront cost if you claim.
  5. Read the Outpatient Cover Details: This is a common area where cheaper policies cut back. Check the financial limit for consultations and diagnostic scans.
  6. Be Honest: Always be truthful on your application, whether it's a Mori or FMU policy. Inaccurate information can invalidate your cover when you need it most.

Protecting your family's health is one of the most important investments you can make. A family private medical insurance policy provides a robust safety net, ensuring that when medical issues arise, your loved ones can receive the best care, quickly.

Ready to find the right protection for your family? The experts at WeCovr are here to help. Get a free, no-obligation quote today and compare the leading UK health insurers in minutes.

Can I add my elderly parents to my health insurance policy?

Generally, no. Standard UK family health insurance policies are designed for partners and dependent children. Your elderly parents would typically need to take out their own individual policy. Premiums would be based on their age and medical history, and it's important to note that cover for pre-existing conditions would be excluded.

Is it cheaper to get a family health insurance policy than individual ones?

In most cases, yes. Insurers usually offer a discount for each person added to a policy, making the total premium for a family plan cheaper than the combined cost of separate individual policies for each family member. It also simplifies administration with a single point of contact and renewal date.

What happens when my child is too old for my family policy?

When your child reaches the insurer's age limit (e.g., 21, or 25 if in education), they will need to take out their own individual policy to remain covered. The good news is that most insurers offer "continuation" options. This allows your child to switch to their own policy without any new medical underwriting, meaning any conditions that were covered under the family plan will continue to be covered under their new plan.

Do I need to declare every past illness for my family members?

It depends on the type of underwriting you choose. If you opt for Full Medical Underwriting (FMU), you must declare the full medical history for each family member. If you choose Moratorium underwriting, you do not need to provide a medical history upfront, as the policy automatically excludes conditions from the past 5 years until you have been symptom-free for a continuous 2-year period after your policy starts.
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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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