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Epidural Injections for Pain

Epidural Injections for Pain 2025 | Free Tailored Quotes

As an FCA-authorised broker that has helped arrange over 750,000 policies, WeCovr explains how private medical insurance in the UK can provide faster access to treatments like epidural injections for pain, helping you get back to your life sooner.

WeCovr explains epidural pain relief and how private healthcare supports access

Living with persistent back, neck, or leg pain can be debilitating. It can affect your work, your family life, and your overall well-being. For many people in the UK, an epidural steroid injection is a highly effective treatment that can provide significant, lasting relief.

However, accessing this treatment through the NHS can often involve long waits, from the initial GP appointment to seeing a specialist and finally receiving the injection. This is where private medical insurance (PMI) can make a world of difference.

This comprehensive guide will explore everything you need to know about epidural injections for pain. We’ll break down what they are, which conditions they treat, and crucially, how having the right private health cover can help you bypass the queues and receive treatment when you need it most.

What Exactly Is an Epidural Steroid Injection?

You might have heard of epidurals in the context of childbirth, but they are also a powerful tool in pain management. An epidural steroid injection is a minimally invasive procedure designed to relieve pain caused by inflamed spinal nerves.

Think of your spinal cord as the body's main electrical cable, protected by a bony column (the spine). Around this cable is a fluid-filled sac, and the space just outside this sac is called the epidural space. When nerves in this area become compressed or inflamed—often due to a herniated disc or spinal stenosis—they send pain signals shooting down your back, legs, or arms.

During the procedure, a specialist consultant uses an X-ray (fluoroscopy) to guide a thin needle precisely into this epidural space. They then inject a combination of two substances:

  1. A local anaesthetic: This provides immediate, short-term pain relief, similar to the numbing injection you get at the dentist.
  2. A corticosteroid: This is a powerful anti-inflammatory medicine. It doesn’t work instantly, but over the next few days, it reduces the swelling and inflammation around the nerve roots, providing longer-term pain relief.

The goal isn't just to mask the pain; it's to calm the inflammation so much that the body has a chance to heal. This can create a crucial "pain-free window" for you to effectively engage in physiotherapy and strengthening exercises to prevent the problem from returning.

Common Conditions Treated with Epidural Injections

Epidural injections are versatile and can be used to treat a range of conditions where nerve inflammation is the primary cause of pain. They are most commonly used for issues affecting the lower back (lumbar), mid-back (thoracic), or neck (cervical) regions.

ConditionBrief DescriptionCommon Symptoms
SciaticaPain radiating along the sciatic nerve, which runs from your lower back down through your hips, buttocks, and each leg. Often caused by a herniated disc.Sharp, shooting pain, numbness, or tingling in the leg or foot. Usually affects one side.
Herniated DiscAlso known as a "slipped" or "prolapsed" disc. The soft, jelly-like centre of a spinal disc pushes out through a tear in the tougher exterior, pressing on a nerve.Can cause sciatica, localised back or neck pain, or pain radiating into the arms.
Spinal StenosisThe narrowing of the spaces within your spine, which can put pressure on the nerves that travel through the spine.Numbness, weakness, cramping, or pain in the back, legs, or buttocks. Often worse when standing or walking.
Degenerative Disc DiseaseThe natural wear and tear on your spinal discs as you age, causing them to lose cushioning, fragment, and herniate.Chronic low-level pain with intermittent episodes of more severe pain.
SpondylolisthesisA spinal condition where one of the lower vertebrae slips forward onto the bone directly beneath it, which can compress nerve roots.Lower back pain, muscle tightness (especially in the hamstrings), and pain or numbness in the legs.

If you're experiencing any of these symptoms, the first step is always to see your GP. They can make an initial diagnosis and discuss your treatment options.

The Patient Journey: Accessing an Epidural on the NHS

The NHS provides excellent care, but it is currently under significant pressure. For non-urgent procedures like epidural injections, the journey from initial pain to treatment can be a long and frustrating one.

Here’s a typical timeline for an NHS patient:

  1. GP Appointment: You experience persistent back or leg pain and manage to get an appointment with your GP. This can sometimes take one to two weeks.
  2. Initial Management: Your GP will likely recommend conservative treatments first, such as painkillers and a referral to NHS physiotherapy.
  3. Referral to Specialist: If the pain doesn't improve after several weeks, your GP will refer you to a specialist, such as an orthopaedic consultant or a pain management clinic.
  4. The Waiting List (Consultation): This is often the longest wait. According to NHS England data, the median waiting time for a first consultant appointment in specialities like Trauma & Orthopaedics can be many months. As of early 2025, many patients wait over 18 weeks just for this initial appointment.
  5. Diagnostic Scans: The specialist will likely order an MRI scan to get a clear picture of what's causing the problem. This means joining another waiting list for the scan.
  6. Follow-up Appointment: After the scan, you'll need another appointment with the specialist to discuss the results and confirm that an epidural is the right course of action.
  7. The Waiting List (Procedure): Once approved, you are placed on the waiting list for the epidural injection itself. This can add several more weeks or months to the total time.

All in all, it's not uncommon for the entire process to take from six months to over a year. During this time, you could be living with significant pain, unable to work or enjoy your daily life.

The Private Healthcare Advantage: Speed, Choice, and Comfort

This is where private medical insurance in the UK transforms the patient experience. It is designed specifically to work alongside the NHS, offering you a route to faster diagnosis and treatment for eligible, acute conditions.

Let's look at the same journey with private health cover:

  1. GP Referral: Many PMI policies offer access to a digital GP service, allowing you to get a consultation within hours or days. You can then get an 'open referral' to a specialist.
  2. Insurer Authorisation: You call your insurance provider with the referral. They check your policy details and give you a pre-authorisation number, confirming that the treatment is covered.
  3. Choice of Specialist: Your insurer will provide a list of approved specialists and hospitals from their network. You can choose a consultant and hospital that is convenient for you, often based on their expertise and patient reviews.
  4. Swift Consultation & Scans: You can typically see the specialist within a week or two. If an MRI is needed, it can often be arranged within a few days at a private clinic or hospital.
  5. Rapid Treatment: Once the diagnosis is confirmed, the epidural injection can be scheduled very quickly, sometimes within a week of the specialist's recommendation.

The entire process, from GP referral to receiving the injection, can be completed in just a few weeks instead of many months. This speed is the single biggest benefit of private healthcare for conditions like severe sciatica or a herniated disc.

How Private Medical Insurance Covers Epidural Injections

Private medical insurance is designed to cover the diagnosis and treatment of acute conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.

A sudden, new case of back pain from a herniated disc is a classic example of an acute condition that PMI would typically cover.

Crucially, standard UK private medical insurance policies do not cover pre-existing or chronic conditions.

  • A pre-existing condition is any illness or injury you had symptoms of, or received advice or treatment for, in the years before your policy started (usually the last 5 years).
  • A chronic condition is an illness that cannot be cured and requires ongoing, long-term management, like diabetes or some forms of long-term arthritis. If you've had persistent, managed back pain for many years, it would likely be considered chronic and therefore excluded from cover.

An expert PMI broker like WeCovr can help you understand these definitions and how they apply to your personal medical history.

What Does a Policy Typically Cover?

Most mid-range to comprehensive PMI policies will cover the entire patient journey for an eligible acute condition requiring an epidural.

Stage of TreatmentWhat's IncludedTypical PMI Cover
DiagnosisSpecialist consultations, diagnostic tests (e.g., MRI, CT scans, X-rays).Most policies cover this, but basic plans may have an 'outpatient limit' on the total cost.
ProcedureThe epidural injection itself, including consultant fees, anaesthetist fees, and hospital day-patient fees.Covered by all standard policies as part of 'in-patient' or 'day-patient' cover.
Follow-upPost-procedure consultation with the specialist to check your progress.Usually covered under the outpatient limit.
RehabilitationPhysiotherapy sessions to help strengthen your back and prevent recurrence.Many policies include a set number of physiotherapy sessions.

Choosing the Right Private Health Cover for Your Needs

Navigating the world of private medical insurance can seem complex, with different providers, policy levels, and options. Here are the key factors to consider:

1. Underwriting Type

  • Moratorium Underwriting: This is the most common type. The insurer doesn't ask for your full medical history upfront. Instead, they will automatically exclude any condition you've had in the 5 years before the policy start date. However, if you remain symptom-free and treatment-free for that condition for a continuous 2-year period after your policy begins, the exclusion may be lifted.
  • Full Medical Underwriting (FMU): You provide your full medical history when you apply. The insurer assesses it and tells you exactly what is and isn't covered from day one. This provides more certainty but can mean permanent exclusions for past conditions.

2. Level of Outpatient Cover

This is one of the most important choices you'll make. Outpatient cover pays for services that don't require a hospital bed, like specialist consultations and diagnostic scans.

  • Basic Policies: May have no outpatient cover or a very low limit (e.g., £500). This would mean you'd have to pay for the initial consultations and MRI scan yourself.
  • Mid-Range Policies: Often have a limit of £1,000 - £1,500. This is usually sufficient to cover the consultations and scans needed before an epidural.
  • Comprehensive Policies: Offer full outpatient cover, so you don't have to worry about hitting a financial limit.

3. Hospital List

Insurers have different lists of approved hospitals. A cheaper policy might restrict you to a local network of hospitals, while a more expensive one might give you nationwide access, including central London teaching hospitals.

4. The Excess

This is the amount you agree to pay towards a claim. For example, if you have a £250 excess and the total cost of your treatment is £3,000, you pay the first £250 and the insurer pays the remaining £2,750. Choosing a higher excess can significantly lower your monthly premium.

At WeCovr, we help thousands of clients compare policies from the UK's leading insurers to find the perfect balance of cover and cost for their specific needs and budget. Our service is completely free, and we provide expert, impartial advice.

Beyond the Injection: A Holistic Approach to Your Health

While an epidural can provide fantastic relief, it's often most effective as part of a wider pain management and wellness strategy. The best private medical insurance providers understand this and offer benefits that support your long-term health.

Complementary Therapies

Many policies include cover for therapies that can help address the root cause of back pain and aid recovery:

  • Physiotherapy: To improve strength, flexibility, and posture.
  • Osteopathy & Chiropractic Care: To address musculoskeletal alignment issues.

Always check your policy to see how many sessions are included and whether a GP referral is required.

Lifestyle and Wellness Support

Preventing pain is always better than treating it. Taking care of your body is paramount.

  • Maintain a Healthy Weight: Excess body weight, particularly around the abdomen, puts extra strain on your lower back. Small changes in diet can make a big difference.
  • Stay Active: Regular, gentle exercise like walking, swimming, or yoga helps keep your back muscles strong and flexible. Avoid sitting for prolonged periods.
  • Focus on Posture: Be mindful of how you sit at your desk, stand, and lift heavy objects. Ergonomic chairs and proper lifting techniques are essential.
  • Improve Your Sleep: A supportive mattress is crucial for spinal health. Sleeping on your side with a pillow between your knees can help keep your spine aligned.

To help our clients on their wellness journey, WeCovr provides every health and life insurance policyholder with complimentary access to CalorieHero, our AI-powered diet and calorie tracking app. It's a simple, effective tool to help you manage your nutrition and support your overall health goals.

Why Choose WeCovr as Your PMI Broker?

Choosing the right policy is a big decision. At WeCovr, we make it simple.

  • Expert and Impartial: We are authorised and regulated by the Financial Conduct Authority (FCA). Our advisors are experts in the private medical insurance UK market and are here to help you, not the insurers.
  • Whole-of-Market Comparison: We compare plans from all the leading providers to find you the best cover at the most competitive price.
  • No Fees: Our advice and service are completely free for our clients. We are paid a commission by the insurer you choose.
  • Highly-Rated Service: We pride ourselves on our excellent customer satisfaction ratings. We're here to support you for the life of your policy.
  • Added Value: On top of finding you great cover, we offer perks like our CalorieHero app and discounts on other types of insurance, such as life or income protection cover, when you take out a policy with us.

An epidural injection can be a life-changing treatment for acute pain. With private health cover, you can access this care in a matter of weeks, not months or years. Let us help you find the peace of mind that comes with knowing you're protected.


Is my long-term back pain covered by private medical insurance for an epidural?

Generally, no. Standard private medical insurance in the UK is designed to cover acute conditions that arise after your policy begins. If you have a long history of back pain that has required ongoing management or consultation, it will likely be classified as a chronic and pre-existing condition, which would be excluded from cover. The policy is intended for new, unforeseen medical issues.

How quickly can I get an epidural injection with private health cover?

The timeline is significantly faster than the NHS. With private medical insurance, it's realistic to go from a GP referral to having the epidural procedure within 2 to 4 weeks. This includes seeing a specialist consultant, having any necessary diagnostic scans like an MRI, and scheduling the treatment at a private hospital of your choice.

Does private medical insurance cover the diagnostic scans (like an MRI) needed before an epidural?

Yes, most private medical insurance policies cover diagnostic tests and scans as part of their 'outpatient' benefits. However, it's important to check the level of outpatient cover on your policy. Basic plans may have a low financial limit, while mid-range and comprehensive plans typically offer sufficient cover (e.g., £1,000 to unlimited) for all the necessary consultations and scans.

Do I need a GP referral to get an epidural on my private health insurance?

Yes, you will almost always need a GP referral to see a specialist for any condition under a private medical insurance policy. This is a standard requirement for all UK insurers. The referral confirms the medical necessity of seeing a specialist. Many policies now include a 24/7 digital GP service, which makes getting a referral quick and convenient.

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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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