WeCovr.

Login

WeCovr.

Login

Executive Health Optimisation

Executive Health Optimisation 2025 | Free Tailored Quotes

As an FCA-authorised expert with over 750,000 policies arranged, WeCovr understands that for UK business leaders, health is the ultimate asset. This guide explores how you can use private medical insurance to unlock peak performance, ensuring your wellbeing and business thrive in tandem.

Biohacking Your Business Potential How UK Directors Can Leverage Private Health Insurance for Peak Performance and Long-Term Success

In the high-stakes world of British business, the pressure on directors and executives has never been greater. You're the engine of your company, making critical decisions, driving innovation, and inspiring your team. But this relentless demand can take its toll, leading to burnout, compromised health, and ultimately, a decline in business performance.

What if you could systematically upgrade your physical and mental wellbeing to not just cope, but to excel? This is the essence of executive health optimisation. It’s about moving beyond reactive healthcare and proactively investing in your body and mind as the most critical assets in your business.

This guide will show you how private medical insurance (PMI) is the foundational tool for any UK director serious about long-term success and peak performance.

The Modern Executive's Dilemma: Peak Performance vs. Burnout

The life of a UK director is a balancing act. You juggle strategic planning, financial oversight, team leadership, and stakeholder management. The cost of this dedication is often paid in personal health.

  • Chronic Stress: Constant pressure elevates cortisol levels, impacting everything from sleep quality to immune function and decision-making clarity. The Health and Safety Executive (HSE) reported that stress, depression, or anxiety accounted for a staggering 17.1 million working days lost in Great Britain in 2023.
  • Decision Fatigue: Making hundreds of choices daily depletes your mental energy, leading to poorer judgment and procrastination on key issues.
  • Sedentary Workstyle: Long hours at a desk contribute to musculoskeletal problems, poor posture, and an increased risk of long-term health issues.
  • Disrupted Routines: Business travel, late-night calls, and networking events can wreak havoc on sleep patterns and healthy eating habits.

The traditional approach of waiting until something breaks is no longer viable. To maintain a competitive edge, leaders must adopt a proactive, data-driven approach to their health. This is where the concept of "biohacking" for business comes in.

What is Executive Health Optimisation? It's More Than Gadgets

Forget the Silicon Valley stereotype of experimental implants. For a UK director, executive health optimisation, or 'biohacking', is about a much more practical goal: making measurable improvements to your health and energy levels to enhance your professional capabilities.

It’s about asking:

  • How can I improve my sleep to make better strategic decisions?
  • What nutritional changes can sustain my energy through a demanding board meeting?
  • How can I build mental resilience to handle pressure without burning out?
  • How do I get fast access to diagnostics when a health niggle arises, so it doesn’t derail a critical project?

The core pillars of this approach are simple, yet powerful:

Pillar of Health OptimisationImpact on Business Performance
Proactive HealthcareMinimises downtime from illness. Early diagnosis of issues prevents them from becoming major problems.
Optimal SleepEnhances cognitive function, memory consolidation, emotional regulation, and strategic thinking.
Targeted NutritionSustains energy levels, improves focus, and reduces brain fog.
Consistent ExerciseBoosts mood, reduces stress, increases creativity, and improves physical stamina for long days.
Mental ResilienceImproves ability to handle pressure, manage conflict, and lead with clarity and empathy.

While you can work on sleep, nutrition, and exercise yourself, the pillar of proactive healthcare is where private medical insurance becomes indispensable.

The Ultimate Biohack: Why Private Medical Insurance is Your Foundation

The NHS is a national treasure, but it is designed for universal emergency and essential care, not for the rapid, bespoke service a busy executive needs to stay at the top of their game. In mid-2024, the NHS England waiting list stood at over 7.5 million treatment pathways. For a director, waiting months for a diagnosis or procedure isn't just an inconvenience; it's a direct threat to business continuity.

Private medical insurance (PMI) provides the infrastructure for your entire health optimisation strategy. It acts as a fast-track system, giving you control, choice, and speed when you need it most.

Crucial Note on Cover: It is vital to understand that standard private medical insurance UK policies are designed to cover acute conditions—illnesses or injuries that are short-term and likely to respond to treatment. They do not cover pre-existing conditions (those you had before taking out the policy) or chronic conditions (long-term illnesses like diabetes or asthma that require ongoing management rather than a cure).

Here’s how PMI empowers you:

  1. Speed of Access: This is the number one benefit. A nagging back pain or a worrying symptom can be investigated within days, not months. An MRI scan can be booked for the weekend, meaning no time off work. This speed reduces anxiety and allows you to get back to focusing on your business.

  2. Choice and Control: PMI gives you control over your healthcare journey.

    • Choose your specialist: Get a second opinion or see a consultant renowned for their expertise in a specific field.
    • Choose your hospital: Select a private hospital known for its comfort, high standards, and convenient location.
    • Choose your timing: Schedule appointments and procedures around your critical business commitments.

  3. Access to Advanced Diagnostics and Treatments: The private sector often provides faster access to the latest generation of diagnostic scanners (MRI, CT, PET) and innovative treatments or drugs that may not yet be widely available on the NHS.

  4. Enhanced Mental Health Support: This is a game-changer for executives. Most comprehensive PMI policies offer dedicated mental health pathways, providing fast access to counselling, therapy (like CBT), and psychiatric support, often without needing a GP referral.

  5. Focus on Wellness and Prevention: Modern PMI providers are shifting from being purely reactive to proactively supporting your health. Many policies now include:

    • Digital GP services (24/7 video consultations)
    • Discounts on gym memberships and fitness trackers
    • Access to wellness apps and health screenings
    • Rewards for healthy behaviour (e.g., Vitality)

A Director's Toolkit: Key PMI Features for Peak Performance

When selecting private health cover, look for features that directly support your role as a business leader.

FeatureWhy It's Essential for a UK Director
Digital GP (24/7)Get immediate medical advice from anywhere—at your desk, at home, or while travelling for business. Avoids taking hours out of your day for a standard GP visit.
Full Cancer CoverProvides comprehensive cover from diagnosis through to treatment and aftercare, including access to breakthrough drugs and therapies. The ultimate peace of mind.
Mental Health PathwayFast-track access to therapy and psychiatric support is critical for managing stress and preventing burnout. Look for policies with high limits and self-referral options.
Comprehensive TherapiesCovers physiotherapy, osteopathy, and chiropractic care to address musculoskeletal issues from long hours at a desk or frequent travel.
Outpatient CoverEssential for rapid diagnosis. Choose a policy with a high or unlimited outpatient limit to cover all specialist consultations, tests, and scans.
Health ScreeningsProactively identify potential health risks before they become serious issues. This is the cornerstone of preventative health management.

Practical Biohacks for the Busy Executive (Supported by Your PMI)

Your PMI policy is the safety net and enabler. Here’s how you can build daily habits on top of that foundation.

1. Master Your Nutrition for Cognitive Edge

What you eat directly fuels your brain. To avoid the 3 PM slump and maintain focus, prioritise:

  • Brain-Boosting Foods: Oily fish (salmon, mackerel), blueberries, nuts, seeds, and dark leafy greens.
  • Stable Blood Sugar: Swap refined carbs (white bread, pastries) for complex carbs (oats, quinoa) and ensure every meal contains protein and healthy fats.
  • Strategic Hydration: Even mild dehydration can impair cognitive function. Keep a water bottle on your desk at all times.

To make this easier, WeCovr provides complimentary access to our AI-powered calorie and nutrition tracker, CalorieHero, helping you make informed food choices effortlessly.

2. Engineer Your Sleep for Better Decisions

Sleep isn't a luxury; it's a non-negotiable biological necessity for leadership.

  • Create a "Wind-Down" Ritual: An hour before bed, switch off screens. The blue light suppresses melatonin, the sleep hormone. Read a physical book, listen to a podcast, or meditate.
  • Optimise Your Environment: Keep your bedroom cool, dark, and quiet. Invest in blackout blinds and a quality mattress.
  • Maintain Consistency: Try to go to bed and wake up at the same time every day, even on weekends, to regulate your body's internal clock.

3. Integrate Movement into Your Day

A sedentary workday is a health risk. You don't need to spend hours in the gym.

  • Micro-Workouts: Every hour, stand up and do 5 minutes of stretching, squats, or take a brisk walk around the office.
  • "Walking Meetings": For one-on-one catch-ups, suggest a walk outside. It boosts creativity and energy.
  • Use Your PMI Benefits: Take advantage of the discounted gym memberships offered by many providers. A physiotherapist, covered by your policy, can also design a bespoke exercise plan to combat desk-related pain.

4. Build Unshakeable Mental Resilience

Your ability to handle pressure defines your leadership.

  • Mindfulness Practice: Just 10 minutes of daily meditation can rewire your brain to be less reactive to stress. Use apps like Calm or Headspace.
  • Scheduled "Worry Time": Allocate a specific 15-minute slot in your day to think about problems. This prevents anxieties from seeping into your entire day.
  • Leverage Your PMI: If stress becomes overwhelming, use your mental health cover. Talking to a professional therapist is a sign of strength and a strategic move to protect your most valuable asset: your mind.

How to Choose the Best PMI Provider for Your Needs

The UK private medical insurance market is dominated by a few key players, each with different strengths.

ProviderKey Strengths for Executives
BupaHighly trusted brand with a vast network of hospitals and consultants. Strong reputation for comprehensive cover.
AXA HealthExcellent digital tools, including their Doctor@Hand service. Flexible policies that can be tailored to your exact needs.
AvivaKnown for their extensive hospital lists and strong cancer cover pledge. Often a competitive choice for comprehensive plans.
VitalityUnique model that rewards you for healthy living with discounts and perks. A great fit for a director committed to a proactive wellness lifestyle.

Why You Need an Expert PMI Broker

Trying to compare these providers and their complex policies on your own is time-consuming and risky. You could easily end up with a policy that has hidden limitations or doesn't suit your specific needs.

This is where a specialist PMI broker like WeCovr is invaluable.

  • We do the work for you: We compare the entire market to find the best policy at the most competitive price, saving you time and money.
  • Expert, unbiased advice: As an FCA-authorised broker, our advice is impartial. We work for you, not the insurance company.
  • Tailored recommendations: We take the time to understand your personal health goals, family situation, and budget to recommend the perfect fit.
  • No extra cost: Our service is free to you. We are paid a commission by the insurer you choose, but this does not affect the price you pay. In fact, we often secure better rates than if you went direct.
  • Trusted by thousands: Our high customer satisfaction ratings reflect our commitment to finding the right cover for our clients.

Furthermore, when you purchase a PMI or life insurance policy through WeCovr, we can offer you exclusive discounts on other types of business and personal insurance.

The Critical Small Print: A Clear Guide to Exclusions

Understanding what your private health cover doesn't include is as important as knowing what it does.

1. Pre-existing Conditions: Any medical condition, symptom, or ailment you had before your policy started will not be covered. This is the golden rule of UK PMI.

2. Chronic Conditions: PMI is for acute conditions that can be cured. It is not for the day-to-day management of long-term, incurable conditions like diabetes, hypertension, asthma, or Crohn's disease. While PMI will cover acute flare-ups of a chronic condition, the routine management (e.g., check-ups, regular medication) remains with the NHS.

3. Underwriting Explained Simply: How an insurer deals with pre-existing conditions is determined by the type of underwriting you choose.

  • Moratorium (Most Common): You don't declare your medical history upfront. The insurer will automatically exclude any condition you've had symptoms, treatment, or advice for in the 5 years before your policy began. However, if you go 2 full years on the policy without any issues relating to that condition, it may become eligible for cover. It's simple but can lead to uncertainty at the point of claim.

  • Full Medical Underwriting (FMU): You complete a detailed health questionnaire. The insurer assesses your history and explicitly lists what is excluded from day one. This provides absolute clarity, and there are no surprises when you need to make a claim. For executives who value certainty, FMU is often the preferred choice.

An expert broker at WeCovr can walk you through these options to help you decide which is best for your circumstances.

Final Thoughts: Your Health is Your Greatest Leverage

Investing in your health is not an expense; it's the most critical investment you can make in your business's future. By leveraging private medical insurance as the foundation of your health optimisation strategy, you give yourself the gift of time, choice, and peace of mind.

You can proactively manage your wellbeing, address health issues before they escalate, and build the physical and mental resilience required to lead with vision and energy for years to come. This is the ultimate competitive advantage.

Is private medical insurance considered a 'benefit in kind' for a UK director?

Yes, if your limited company pays for your personal private health cover, it is treated as a P11D benefit in kind by HMRC. This means you will need to pay income tax on the value of the premium, and the company will pay Class 1A National Insurance contributions. However, the premium itself is typically an allowable business expense for the company, making it tax-deductible against corporation tax.

What happens if an acute condition covered by my PMI becomes chronic?

This is an excellent question. Your private medical insurance policy will typically cover the initial diagnosis and treatment of the acute phase of a condition. If, over time, doctors determine the condition is long-term and incurable (i.e., it has become chronic), the ongoing management of the condition would then revert to the NHS. Your policy documents will specify the exact point at which this transition occurs.

Can I add my family to my executive PMI policy?

Absolutely. Most private medical insurance UK providers allow you to add your partner and children to your policy. This can often be more cost-effective than taking out separate policies for each family member. Ensuring your family has the same fast access to healthcare can provide significant peace of mind, allowing you to focus on your professional responsibilities.

Ready to build your foundation for peak performance?

Take the first step towards optimising your health and securing your business's future. Get a free, no-obligation quote from a WeCovr expert today and discover how affordable a comprehensive private medical insurance plan can be.

Get A Free Quote

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.
Get Quote

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:
Book Call Now

Our Group Is Proud To Have Issued 750,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection
Find Out More

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.

Book Call With Expert

Learn more

Learn More
...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

đź‘Ť WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!