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Corporate Health Insurance for UK Businesses

Corporate Health Insurance for UK Businesses 2025

As an FCA-authorised expert that has helped arrange over 750,000 policies, WeCovr understands that offering private medical insurance in the UK is a powerful tool for businesses. This guide provides HR leaders with everything they need to know about choosing, implementing, and managing a corporate PMI scheme that truly benefits their team.

WeCovr's HR-focused guide to implementing PMI for employees

In today's competitive job market, a compelling benefits package is no longer a 'nice-to-have'—it's a business essential. At the heart of the most attractive packages lies Corporate Private Medical Insurance (PMI).

For Human Resources professionals, implementing a PMI scheme can feel like a daunting task, filled with complex jargon, budget considerations, and employee expectations. This comprehensive guide is designed to demystify the process. We'll walk you through every step, from building a business case to launching your scheme and beyond, ensuring you can make an informed decision that boosts employee wellbeing and drives business success.

What is Corporate Private Medical Insurance (PMI)?

In simple terms, Corporate Private Medical Insurance is a policy taken out by a business to provide its employees with access to private healthcare. It's designed to work alongside the NHS, offering quicker access to diagnosis and treatment for specific types of medical conditions.

Think of it as a way to bypass potential NHS waiting lists for eligible treatments, giving your team members prompt access to specialists, diagnostic scans, and high-quality private hospital facilities.

A crucial point to understand from the outset: Standard UK private medical insurance is designed to cover acute conditions.

  • Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include joint replacements, cataract surgery, or hernia repairs.
  • Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, is incurable, or is likely to come back. PMI does not typically cover the ongoing management of chronic conditions like diabetes, asthma, or high blood pressure.
  • Pre-existing Condition: An ailment or injury for which an employee has experienced symptoms or received medical advice on before the policy starts. These are also generally excluded, though the specifics depend on the type of underwriting chosen.

Why Should Your UK Business Offer Private Health Insurance? The Key Benefits

Investing in PMI is an investment in your people and, by extension, your organisation's future. The return on this investment is seen in recruitment, retention, productivity, and overall company culture.

Benefits for the Business

  • Attract and Retain Top Talent: In a candidate-driven market, a strong benefits package is a key differentiator. PMI is consistently ranked as one of the most desired employee benefits in the UK.
  • Reduce Sickness Absence: Long waits for diagnosis and treatment can keep valuable employees out of work. According to the Office for National Statistics (ONS), an estimated 185.6 million working days were lost because of sickness or injury in the UK in 2022. PMI can significantly shorten this downtime.
  • Boost Productivity and Morale: Employees who feel cared for are more engaged and motivated. Knowing they have fast access to healthcare reduces stress and anxiety, allowing them to focus on their work. This also combats 'presenteeism'—where employees are physically at work but mentally checked out due to health worries.
  • Demonstrate a Strong Duty of Care: Offering PMI sends a powerful message that you value your employees' health and wellbeing beyond their professional contribution.

Benefits for the Employee

  • Fast-Tracked Medical Care: This is the primary benefit. Employees can bypass long NHS waiting lists for consultations, scans (like MRI and CT), and non-urgent surgeries. As of early 2025, NHS waiting lists in England remain a significant concern, with millions waiting for routine treatment.
  • Choice and Control: Employees often get to choose the specialist who treats them and the hospital where they receive care from a pre-approved list.
  • Access to Specialist Drugs and Treatments: Some advanced drugs, therapies, or surgical techniques may not be available on the NHS due to cost or other guidelines. PMI can provide access to these.
  • Comfort and Privacy: Treatment is delivered in a private hospital, which usually means a private room with an en-suite bathroom, more flexible visiting hours, and a quieter environment for recovery.
  • Enhanced Mental Health Support: Most modern PMI policies include dedicated mental health pathways, providing access to counsellors, therapists, and psychiatrists far quicker than is often possible through public services.

Understanding the Core Components of a Corporate PMI Policy

When you build a corporate health insurance plan, you are essentially choosing a bundle of different cover elements. Understanding these components is key to designing a scheme that fits your budget and your employees' needs.

Policy ComponentWhat It Typically CoversKey Consideration for HR
In-patient & Day-patient CoverCosts for surgery and treatment requiring a hospital bed, either overnight (in-patient) or for the day (day-patient). This includes surgeon fees, anaesthetist fees, and hospital charges.This is the foundation of every PMI policy. All plans include this as standard.
Out-patient CoverConsultations with specialists and diagnostic tests (like blood tests, X-rays, MRI/CT scans) that do not require a hospital bed.This is a major variable. You can choose a nil limit, a set monetary limit (e.g., £500, £1,000, or £1,500), or full cover. A higher limit means a higher premium.
Cancer CoverA comprehensive range of treatments including surgery, chemotherapy, radiotherapy, and biological therapies. It can also include aftercare support.This is a critical and highly valued component. Most policies offer extensive cancer cover as standard, but it's vital to check the specifics.
Mental Health CoverAccess to psychiatrists, psychologists, and therapists for conditions like anxiety, depression, and stress.Hugely important for modern workforce wellbeing. Cover can range from limited counselling sessions to full psychiatric in-patient care.
Therapies CoverPhysiotherapy, osteopathy, and chiropractic treatment for musculoskeletal issues.Often included up to a certain number of sessions. Essential for tackling common causes of absence like back and neck pain.

Optional Add-Ons to Enhance Your Scheme

Beyond the core components, you can add extra layers of protection to create a more comprehensive benefits package:

  • Dental and Optical Cover: Contributes towards the costs of routine check-ups, dental treatments, glasses, and contact lenses.
  • Travel Insurance: Provides worldwide medical cover for employees, often including their families, for both business and leisure trips.
  • Wellness and Reward Programmes: Some providers, like Vitality, build their entire proposition around rewarding healthy behaviour with discounts on gym memberships, fitness trackers, and healthy food.

As a WeCovr client, your employees also gain complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, helping them build healthy habits. Furthermore, purchasing PMI through us can unlock discounts on other essential policies like life insurance.

Key Exclusions: What Isn't Covered by Corporate PMI?

Managing employee expectations is crucial for the success of your PMI scheme. Being transparent about what is not covered is as important as highlighting the benefits.

The most significant exclusions on any standard UK policy are:

  1. Pre-existing Conditions: Any medical condition for which an individual has sought advice, had symptoms, or received treatment for in the years leading up to the policy start date (typically 5 years).
  2. Chronic Conditions: Long-term illnesses that cannot be cured, such as diabetes, asthma, epilepsy, and high blood pressure. PMI is for acute, curable conditions. The NHS will continue to manage all chronic care.
  3. Emergency and A&E Visits: The NHS is unmatched for emergency care. If an employee has a heart attack, a stroke, or is in a serious accident, they should call 999 and go to an NHS A&E.
  4. Normal Pregnancy and Childbirth: Routine maternity care is provided by the NHS. PMI may, however, cover complications that arise during pregnancy.
  5. Cosmetic Surgery: Procedures that are not medically necessary.
  6. Self-inflicted Injuries: This includes issues arising from substance abuse.

The Step-by-Step HR Guide to Implementing a PMI Scheme

Follow these six steps to ensure a smooth and successful implementation.

Step 1: Define Your Objectives and Budget

First, ask why you are introducing PMI. Are you trying to:

  • Gain a competitive edge in recruitment?
  • Reduce sickness absence rates?
  • Improve overall employee morale and wellbeing?

Your objectives will shape the type of scheme you design. Next, establish a realistic budget. The cost is typically calculated on a 'per employee, per month' basis. Decide on a budget you're comfortable with, but be prepared for it to be flexible as you explore your options.

Step 2: Decide Who to Cover

You have several options:

  • All Employees: The most inclusive approach, fostering a great company culture.
  • Management or Director Level Only: A more traditional approach, often used as a senior-level perk.
  • Based on Length of Service: For example, employees become eligible after passing their probation or completing one year of service.

Remember, corporate PMI is considered a 'Benefit in Kind', which means it is a taxable benefit. The value of the premium paid by the company is subject to income tax for the employee, and the company must pay Class 1A National Insurance contributions on the benefit's value. You will need to report this on a P11D form for each covered employee each year.

Step 3: Choose the Right Level of Cover

This is where you balance your budget against your objectives. A typical tiered approach looks like this:

Level of CoverDescriptionBest For
BasicCovers in-patient and day-patient treatment only. Limited or no out-patient cover.Businesses on a tight budget who want to provide a core safety net against major medical events.
Mid-RangeCore cover plus a limited amount of out-patient cover (e.g., £1,000). May include some therapies.The most popular option, balancing comprehensive cover with manageable costs. Speeds up diagnosis and treatment.
ComprehensiveFull in-patient and out-patient cover, extensive cancer care, mental health support, and therapies.Companies wanting to offer a top-tier benefit to attract senior talent or operate in highly competitive sectors.

Step 4: Understand Underwriting Options

Underwriting is how an insurer assesses risk and decides on the terms of the policy, particularly concerning pre-existing conditions. For group schemes, there are three main types.

  1. Moratorium (Mori) Underwriting:

    • How it works: No medical questionnaire is needed upfront. Instead, the insurer automatically excludes treatment for any medical condition that existed in the 5 years before the policy start date. This exclusion is lifted if the employee then goes 2 continuous years on the policy without needing treatment, advice, or medication for that condition.
    • Best for: Small businesses (2-20 employees) who want a quick and simple setup.

  2. Full Medical Underwriting (FMU):

    • How it works: Each employee completes a detailed medical history questionnaire. The insurer then reviews this and may place specific, permanent exclusions on the policy for any pre-existing conditions declared.
    • Best for: When you want absolute certainty from day one about what is and isn't covered. Can sometimes result in lower premiums if the group is very healthy.

  3. Medical History Disregarded (MHD):

    • How it works: This is the most comprehensive and sought-after type of underwriting. The insurer agrees to cover eligible acute conditions, regardless of an employee's prior medical history. Pre-existing conditions are covered (as long as they are not chronic).
    • Best for: Larger businesses (typically 20+ employees). It's a major selling point for attracting senior staff who may have existing conditions they want covered. This is the most expensive option.

Navigating these options can be complex. An expert broker like WeCovr can advise on the best underwriting method for your group's size and needs, ensuring there are no surprises down the line.

Step 5: Compare the Market with an Expert Broker

You could approach insurers directly, but this is time-consuming and you won't get an impartial view of the whole market. Using a specialist PMI broker offers significant advantages:

  • Whole-of-Market Access: We work with all the leading UK private health insurance providers.
  • Expert Guidance: We translate the jargon and help you compare policies on a like-for-like basis.
  • Time-Saving: We handle the quotes, paperwork, and negotiations on your behalf.
  • No Extra Cost: Our service is free to you; we are paid a commission by the insurer you choose.

Based on high customer satisfaction ratings, our clients value our ability to find the optimal balance between cost and coverage.

Step 6: Launch and Communicate the Scheme to Employees

A successful launch is all about clear communication.

  • Provide Clear Documents: Give every employee a membership pack with their policy documents and a simple summary of benefits.
  • Run Information Sessions: Host a presentation (or webinar) to explain how the scheme works, what's covered, and how to make a claim. Answering questions directly builds confidence.
  • Explain the Claims Process: Ensure everyone knows the first step is usually to see their NHS GP to get a referral to a specialist. They then call the insurer to get the claim authorised before booking any treatment.

How Much Does Corporate Health Insurance Cost in the UK?

The cost of a corporate PMI scheme is highly variable. The premium is affected by a range of factors.

Key Factors Influencing Your Premium:

  • Average Age of Employees: Premiums increase with age.
  • Location: Cover is typically more expensive in Central London due to higher hospital costs.
  • Level of Cover: Comprehensive plans cost more than basic ones. The out-patient limit is a key cost driver.
  • Policy Excess: This is a small amount an employee pays towards their first claim each year (e.g., £100). A higher excess lowers the overall premium.
  • Industry: Some manual or higher-risk professions may attract higher premiums.
  • Underwriting: Medical History Disregarded is the most premium option.

Here are some illustrative monthly costs per employee for a mid-range policy. These are for guidance only.

Employee AgeLocation (Outside London)Location (Central London)
25£30 - £45£40 - £60
40£45 - £65£60 - £85
55£70 - £100£95 - £130

Managing Your Company Health Insurance Scheme Post-Launch

Your role doesn't end after the launch. Good scheme management ensures you continue to get value from your investment.

  • Annual Renewal: Don't just auto-renew. Your claims history, changes in employee demographics, and market shifts will affect your renewal price. A broker like WeCovr will conduct a full market review for you each year to ensure your premium remains competitive and your cover remains appropriate.
  • Scheme Administration: Have a clear process for adding new starters and removing leavers from the policy to ensure your cover and costs are always accurate.
  • Promote the Benefits: Regularly remind employees about the 'value-added' benefits included in their cover, such as virtual GP services, wellness apps, and mental health support lines. Higher engagement demonstrates the value of the scheme.

Going Beyond PMI: A Holistic Employee Wellbeing Strategy

While PMI is a cornerstone, a truly effective wellbeing strategy is multifaceted. Consider how PMI can be integrated with other initiatives to create a culture of health:

  • Employee Assistance Programmes (EAPs): Offer confidential advice on a wide range of life issues, from financial worries to legal queries.
  • Wellness Workshops: Host sessions on nutrition, sleep hygiene, stress management, and mindfulness.
  • Flexible Working: Allowing for a better work-life balance is fundamental to reducing stress.
  • Health Screenings: Offer on-site or subsidised health checks to help employees proactively manage their health.

By combining these elements, you show a deep-seated commitment to your team's overall wellbeing, making your company an employer of choice.

Is corporate health insurance a taxable benefit for UK employees?

Yes, it is. When a company pays for an employee's private medical insurance, it is considered a 'Benefit in Kind' by HMRC. This means the employee must pay income tax on the value of the premium. The company is also liable for Class 1A National Insurance contributions on the premium amount and must report the benefit on a P11D form for each employee.

Does company private medical insurance cover pre-existing conditions?

Generally, standard UK PMI does not cover pre-existing conditions. However, the approach depends on the underwriting type. On a 'Moratorium' scheme, conditions from the last 5 years are excluded for the first 2 years. On larger schemes with 'Medical History Disregarded' (MHD) underwriting, pre-existing conditions can be covered for new acute episodes. It is crucial to clarify this with your broker.

What is the difference between private health insurance and a health cash plan?

Private health insurance (PMI) is designed to cover the high costs of private diagnosis and treatment for acute medical conditions, such as surgery or cancer treatment. A health cash plan, on the other hand, helps employees cover everyday routine healthcare costs. It provides cashback up to an annual limit for things like dental check-ups, eye tests, prescriptions, and physiotherapy sessions. They are complementary products, not replacements for each other.

Can we cover employees' families on our company PMI scheme?

Yes, most corporate PMI schemes allow you to add cover for employees' family members (partners and children). You can decide whether the company pays for this additional cover or if the employee pays for it themselves, often at a favourable corporate rate. This can be a highly attractive benefit for employees with families.

Ready to Invest in Your Team's Health?

Implementing a corporate health insurance scheme is one of the most impactful investments you can make in your people and your business. It enhances your employer brand, supports your team when they need it most, and helps build a resilient, productive workforce.

The journey starts with a conversation.

Contact the WeCovr team today for a free, no-obligation quote. Our friendly, expert advisors will help you navigate the market and design the perfect private health cover for your UK business.

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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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