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Chiropractic Treatment and Health Insurance

Chiropractic Treatment and Health Insurance 2025

As an FCA-authorised broker that has helped arrange cover for over 750,000 people, WeCovr offers this guide to chiropractic care and private medical insurance in the UK. We’ll explore what chiropractors do, when your policy is likely to cover treatment, and how to get the most from your health cover.

WeCovr reviews chiropractic care and when PMI covers it

A sudden twinge in your lower back after a weekend of gardening, a stiff neck from long hours at your desk, or a nagging pain from an old sports injury. These are common complaints for millions of people across the UK. In fact, the Office for National Statistics (ONS) reports that musculoskeletal (MSK) conditions, like back and neck pain, are a leading cause of work absence.

Many people find relief through chiropractic care, a hands-on therapy focused on the spine and wider MSK system. But this raises a crucial question: will your private medical insurance pay for it?

The answer is often yes, but it’s rarely a simple case of booking an appointment and sending the bill to your insurer. Understanding the rules, limits, and processes is key to accessing the care you need without facing an unexpected invoice.

In this comprehensive guide, we'll break down everything you need to know about chiropractic treatment and private health cover in the UK.

What is Chiropractic Care? A Plain English Guide

Before we dive into the insurance details, let's clarify what chiropractic care involves. It’s a common and well-established form of complementary and alternative medicine (CAM).

A chiropractor is a trained healthcare professional who diagnoses, treats, and helps prevent conditions related to the bones, joints, muscles, and nerves of the body—the musculoskeletal system. They are particularly known for treating pain in the back and neck.

What to Expect from a Chiropractor:

  • Diagnosis: Your first visit will involve a thorough assessment. The chiropractor will ask about your medical history, symptoms, and lifestyle. They will also perform a physical examination, which might include testing your reflexes, muscle strength, and range of motion. In some cases, they may refer you for an X-ray or MRI scan.
  • Treatment: The primary treatment method is called a 'spinal manipulation' or 'adjustment'. This involves using skilled, precise, and gentle movements to the spine to improve movement and relieve pain.
  • Other Techniques: Chiropractors also use a range of other methods, including:
    • Soft tissue massage
    • Stretching exercises
    • Advice on posture, diet, and lifestyle
    • Hot and cold therapy

It's a common misconception that chiropractic adjustments are painful or dangerous. When performed by a qualified professional, they are generally safe and gentle.

Crucially, in the UK, all chiropractors must be registered with the General Chiropractic Council (GCC). This is a legal requirement. The GCC ensures practitioners meet high standards of training, professional skills, and behaviour. You should never receive treatment from someone who is not on the GCC register. Insurers will only ever cover treatment from a GCC-registered chiropractor.

The Big Question: Does Private Medical Insurance Cover Chiropractic Treatment?

For many people with private health cover, the answer is yes—but with important conditions attached. Most comprehensive private medical insurance UK policies include cover for 'complementary therapies', and chiropractic care almost always falls into this category alongside osteopathy and physiotherapy.

However, coverage is not guaranteed and depends entirely on three factors:

  1. The type of policy you have.
  2. The nature of your medical condition.
  3. Following your insurer's claims process correctly.

The Golden Rule: Acute vs. Chronic Conditions

This is the most critical concept to understand in all of private medical insurance.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. For example, a sudden back sprain from lifting a heavy box. PMI is designed to cover acute conditions.
  • Chronic Condition: A disease, illness, or injury that continues for a long time, has no known 'cure', and may require ongoing management. For example, long-term back pain caused by osteoarthritis. Standard UK PMI policies DO NOT cover chronic conditions.

Chiropractic treatment will only be covered if it is for an acute condition that has started after you took out your policy.

The Second Rule: Pre-existing Conditions

Similarly, private medical insurance does not cover pre-existing conditions. If you had treatment or advice for back pain in the years before your policy began, any future issues with your back will likely be excluded from cover.

Here’s a simple table to illustrate what’s typically covered.

ScenarioLikely Covered by PMI?Why?
You strain your neck while playing tennis for the first time.YesThis is a new, acute injury that occurred after your policy started.
You have long-term arthritis in your spine, causing daily pain.NoThis is a chronic condition that requires ongoing management, not a cure.
You had physiotherapy for a slipped disc two years before buying your policy. You now want chiropractic care for the same issue.NoThis is a pre-existing condition, so it will be excluded from your cover.
You wake up with sudden, severe lower back pain with no prior history of back problems. Your GP refers you for treatment.YesThis is a new, acute condition that is expected to resolve with treatment.

How to Get Chiropractic Treatment Covered by Your PMI: A Step-by-Step Guide

If you have a new musculoskeletal issue and believe you need chiropractic care, you can't simply book a session and expect your insurer to pay. You must follow their pre-authorisation process.

Here are the typical steps:

  1. See Your GP First: Most insurers require a GP referral. Your GP will assess your condition and determine if a course of chiropractic treatment is medically appropriate. An open referral (where the GP recommends a type of therapy rather than a specific person) is usually sufficient. Some modern policies now offer direct access to therapy services without a GP referral, but you must check your policy documents.

  2. Contact Your Insurer for Pre-Authorisation: This is a non-negotiable step. Before you book any appointments, you must call your insurer's claims line. You will need:

    • Your policy number.
    • Details from your GP referral.
    • Information about your symptoms.

  3. Get Your Authorisation Code: If the insurer agrees that your condition is eligible for cover, they will provide you with an authorisation code. They will also tell you exactly what is covered—specifically, the number of sessions or the total financial limit they have approved.

  4. Choose a Recognised Chiropractor: Your insurer will have a list or network of approved chiropractors. You must choose a practitioner from this list. Using a chiropractor who is not recognised by your insurer will mean your claim is rejected. At WeCovr, our advisors can help you understand your insurer's network of specialists.

  5. Attend Your Sessions: Provide your authorisation code and policy details to the chiropractor's clinic. In most cases, the clinic will bill the insurer directly, so you don't have to pay anything upfront (unless you have an excess on your policy).

  6. Request More Sessions if Needed: If your chiropractor believes you need more sessions than were initially authorised, they will need to provide a report to your insurer. The insurer will then review the request and decide whether to extend the authorisation.

Comparing UK Private Health Insurance Providers for Chiropractic Cover

Not all private health cover is created equal. The level of cover for therapies like chiropractic care can vary significantly between providers and policy tiers. Basic, budget-friendly policies may exclude it entirely, while comprehensive plans often include it as standard.

Here’s a general overview of how major UK providers typically handle chiropractic cover in 2025. Please note that these are generalisations, and the exact terms will depend on the specific policy you choose.

ProviderTypical Chiropractic Cover LevelKey Features & Considerations
AXA HealthOften included as standard in their 'Therapies' option on most plans.Generous session limits are common. AXA has a large network of recognised specialists. May offer access without a GP referral via their 'Working Body' service.
BupaUsually included in comprehensive policies. May be an optional add-on for basic plans.Bupa has a vast network of Bupa-recognised therapists. They often require a GP referral to ensure the treatment is for an acute condition.
AvivaTypically an optional 'Expert Select' or 'Therapies' add-on. Not always standard.Limits can be based on a number of sessions or a financial cap (e.g., £500). The 'BacktoBetter' service provides specialised, direct access for MSK issues.
VitalityIncluded as part of their core cover, often with a focus on encouraging proactive health.Often linked to the Vitality Programme. They may provide incentives for staying active. Access is typically via their 'Panel of Premier Consultants'.
The ExeterTherapies, including chiropractic, are an optional benefit that can be added to their 'Health+' policy.Offers flexibility to add or remove cover to suit your budget. Known for clear terms and good customer service.

Choosing the right provider can be confusing. This is where an expert PMI broker like WeCovr adds immense value. We compare policies from across the market, explain the small print, and help you find a plan that provides the right level of therapy cover for your needs and budget—all at no cost to you.

What if My PMI Doesn't Cover Chiropractic Care? Your Other Options

If you discover your policy excludes chiropractic treatment, or if your condition is deemed chronic, you still have options for managing your pain.

  1. Upgrade Your Policy at Renewal: When your policy is due for renewal, speak to your provider or a broker about adding a therapies option. This will likely increase your premium, but it might be worthwhile if you anticipate needing such treatments.
  2. Pay for Treatment Yourself (Self-Pay): Paying privately is the most direct route. Costs vary by location and the chiropractor's experience, but you can expect to pay between £40 and £90 for an initial consultation and £30 to £70 for subsequent sessions in the UK.
  3. Explore NHS Services: Chiropractic treatment is sometimes available on the NHS in certain areas of the UK. However, availability is very limited, and it is not a standard service. You would need a referral from your GP, and you could face long waiting lists for MSK services. According to NHS England data, the median waiting time for community MSK services can be several weeks.
  4. Consider a Health Cash Plan: A health cash plan is different from PMI. You pay a monthly premium, and in return, you can claim a set amount of cash back for various healthcare treatments, including dental, optical, and therapies like chiropractic. It won't cover major surgery, but it can be an affordable way to budget for routine treatments.

A Holistic Approach to Musculoskeletal Health: Prevention is Better Than Cure

While having insurance for treatment is reassuring, the best strategy is to look after your musculoskeletal health to prevent problems from arising in the first place. This is especially important in our modern world of desk jobs and sedentary lifestyles.

Here are some wellness tips to keep your back and neck healthy:

  • Stay Active: Regular, gentle exercise strengthens the muscles that support your spine. Activities like swimming, walking, yoga, and Pilates are excellent choices. Aim for at least 150 minutes of moderate activity per week.
  • Perfect Your Posture: When sitting at a desk, ensure your feet are flat on the floor, your back is supported, and your screen is at eye level. Take regular breaks to stand up and stretch.
  • Lift Safely: When lifting heavy objects, bend your knees and hips, keep your back straight, and hold the object close to your body. Never twist while lifting.
  • Optimise Your Sleep: A supportive mattress is crucial. The best sleeping position for your back is generally on your side with a pillow between your knees, or on your back with a pillow under your knees.
  • Eat a Healthy Diet: A balanced diet rich in calcium and Vitamin D is vital for bone health. Anti-inflammatory foods like oily fish, nuts, and leafy greens may also help reduce joint pain.

To support your healthy lifestyle goals, all WeCovr clients who purchase PMI or Life Insurance receive complimentary access to CalorieHero, our exclusive AI-powered calorie and nutrition tracking app. It's a fantastic tool for making informed choices about your diet.

Why Use a PMI Broker Like WeCovr?

The UK private medical insurance market is complex. Policies are filled with jargon, and the differences between them can be subtle but significant. A specialist broker cuts through the noise.

  • Expert Advice: We live and breathe insurance. We understand the nuances of therapies cover, policy limits, and insurer networks.
  • Market Comparison: We are not tied to any single insurer. We compare plans from a wide range of the best PMI providers to find the one that truly fits your needs.
  • No Extra Cost: Our service is completely free for you. We are paid a commission by the insurer you choose, so you get expert, impartial advice without paying a penny more.
  • Ongoing Support: We're here to help you through the application process and can offer guidance if you ever need to make a claim. Our high customer satisfaction ratings reflect our commitment to our clients.
  • Extra Benefits: When you buy a policy through WeCovr, you can also benefit from discounts on other types of insurance, such as travel or home cover.

Finding the right private medical insurance is about securing peace of mind. It’s knowing that if you suffer an unexpected injury, you can access high-quality treatment like chiropractic care quickly, without worrying about NHS waiting lists or large private bills.

Do I need a GP referral for chiropractic treatment on my health insurance?

Generally, yes. Most UK private medical insurers require a referral from your GP before they will authorise cover for chiropractic treatment. This is to ensure the condition is medically appropriate for therapy and is an acute condition, not a long-term chronic one. However, some providers now offer direct access to therapy or musculoskeletal services without a GP visit, so you must always check the specific terms of your policy.

What's the difference between an osteopath, a chiropractor, and a physiotherapist?

While all three treat musculoskeletal issues, their focus and approach differ slightly. Chiropractors are primarily focused on the spine and its relationship with the nervous system, often using spinal adjustments. Osteopaths take a holistic view of the body's structure and its impact on function, using a wider range of gentle manipulations. Physiotherapists focus on restoring movement and function after an injury or illness, often using exercise, massage, and education as their primary tools. All are typically covered under the 'therapies' benefit of a comprehensive PMI policy.

Is long-term back pain covered by private medical insurance?

No, standard private medical insurance in the UK does not cover the treatment of chronic (long-term) conditions. PMI is designed for acute conditions—those that are new, unexpected, and likely to resolve with a short course of treatment. If you have long-term back pain from a condition like arthritis or degenerative disc disease, it would be considered chronic and therefore excluded from cover.

How many chiropractic sessions will my insurance cover?

This depends entirely on your specific policy. Insurers place limits on therapy cover. This limit might be a set number of sessions (e.g., up to 10 sessions per policy year) or a financial cap (e.g., up to £750 for all therapies). When you get your claim pre-authorised, your insurer will tell you the exact limit that applies to you. If more sessions are needed, your chiropractor must request a further extension from the insurer.

Ready to find a health insurance policy that gives you access to treatments like chiropractic care when you need it most?

Get your free, no-obligation quote from WeCovr today. Our expert advisors will compare the market for you and help you find the perfect private medical insurance 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.
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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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