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Exeter Health Insurance Comprehensive Cover for Individuals and Families

Exeter Health Insurance Comprehensive Cover for Individuals and Families

WeCovr explores Exeter's PMI options and when they make sense

As an FCA-authorised broker that has helped arrange over 750,000 policies, WeCovr understands the growing need for robust private medical insurance in the UK. With NHS waiting lists remaining a significant concern, more individuals and families are seeking the peace of mind that private health cover provides. Among the trusted names in the market, The Exeter stands out for its unique, member-focused approach.

This comprehensive guide explores The Exeter's Health+ policy, breaking down its core benefits, customisable options, and who it's best suited for. We'll explain how you can tailor a policy to your specific needs and budget, ensuring you have a clear picture of what makes this provider a compelling choice in the UK's competitive private medical insurance landscape.

What is Private Medical Insurance (PMI)? A Quick Refresher

Before we dive into The Exeter's specifics, let's clarify what PMI is and what it isn't.

Private medical insurance is a policy you buy to cover the costs of private healthcare for 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. Think of things like joint replacements, cataract surgery, or treatment for hernias.

Crucially, standard UK private medical insurance does not cover:

  • Pre-existing conditions: Any illness or injury you had before taking out the policy.
  • Chronic conditions: Long-term illnesses that cannot be cured, only managed, such as diabetes, asthma, or high blood pressure.

PMI is designed to complement the excellent emergency care provided by the NHS. It gives you more choice and control over your non-urgent medical treatment, helping you bypass long waiting lists and get back on your feet faster.

Who are The Exeter? A Closer Look at this Mutual Insurer

The Exeter isn't your typical insurance company. They are a Friendly Society, which means they are a mutual insurer.

What does this mean for you?

  • No Shareholders: Unlike most large insurers, The Exeter has no shareholders to pay dividends to. They are owned by their members—the policyholders.
  • Member-First Focus: Any profits are reinvested back into the business. This can lead to better products, enhanced services, and more stable pricing for members over the long term.
  • A History of Trust: Established in 1927, The Exeter has a long-standing reputation for providing reliable cover and excellent customer service. They pride themselves on a more personal, human approach to insurance.
  • Specialist Expertise: The Exeter has carved a niche for itself by offering cover to people who might struggle to get it elsewhere. This includes individuals in certain occupations or those with more complex medical histories.

Their mutual status underpins their entire philosophy, putting the well-being of their members at the heart of everything they do.

Understanding The Exeter's Health+ Policy: The Core of Their PMI Offering

The Exeter's flagship private medical insurance product is called Health+. It's designed to be a flexible and comprehensive policy that you can build upon to suit your needs.

The core cover of every Health+ policy provides a strong foundation of protection.

Table: Core Cover Included with Every Exeter Health+ Policy

BenefitDetailsWhy it's Important
In-patient & Day-patient TreatmentUnlimited cover for hospital fees, specialist fees, and diagnostic tests when you are admitted to hospital.This is the cornerstone of PMI. It means if you need surgery or treatment requiring a hospital stay, your costs are covered without a financial limit.
Comprehensive Cancer CoverIncludes surgery, radiotherapy, chemotherapy, and advanced therapies like biological therapies and stem cell treatment.Cancer treatment is a primary reason people buy PMI. The Exeter provides extensive cover, including access to some drugs not yet available on the NHS.
Post-operative ConsultationsUnlimited cover for follow-up consultations with a specialist within 6 months of your in-patient or day-patient procedure.Ensures your recovery is properly monitored without worrying about additional consultation fees.
Private AmbulanceCovers the cost of a private ambulance if medically necessary to transport you to a hospital.Provides comfort and speed during a stressful time.
NHS Hospital Cash BenefitA cash payment (£250 per night, up to £5,000 a year) if you choose to use the NHS for treatment that would have been covered by your policy.This offers valuable flexibility. You can use the cash payment for anything you like, from covering household bills to aiding your recovery.
Home NursingCovers the cost of a registered nurse to provide care at home immediately after an eligible hospital stay.Allows you to recover in the comfort of your own home while still receiving professional medical care.

This core package ensures that for the most significant medical events, you are fully protected against the high costs of private treatment.

Customising Your Exeter Health+ Policy: Making It Your Own

One of the great strengths of The Exeter's Health+ policy is its flexibility. You can adjust several key elements to either increase your cover or reduce your monthly premium. A specialist PMI broker like WeCovr can walk you through these options to find the perfect balance for your circumstances.

1. Choosing Your Underwriting Type

This is perhaps the most important decision you'll make. Underwriting is how an insurer assesses your medical history to decide what they will and won't cover.

  • Moratorium (Mori) Underwriting: This is the most popular option in the UK. You don't need to declare your full medical history when you apply. Instead, the policy automatically excludes any condition you've had symptoms, treatment, or advice for in the 5 years before your policy starts. However, if you then go 2 full years on the policy without any symptoms, treatment, or advice for that condition, it may become eligible for cover. It's a "wait and see" approach.

  • Full Medical Underwriting (FMU): With FMU, you complete a detailed health questionnaire when you apply. The Exeter will review your medical history and tell you upfront exactly what is excluded from your policy. This provides complete clarity from day one, but the application process is longer.

The Exeter is known for its fair and flexible approach to underwriting, making them a good option for those who may have been declined by other insurers in the past.

2. Selecting Your Hospital List

The cost of private treatment varies significantly depending on the hospital's location. Central London hospitals, for example, are the most expensive. To manage costs, The Exeter offers a choice of hospital lists.

Table: Example of The Exeter's Hospital List Tiers

Hospital List TierDescriptionWho is it for?
EssentialAccess to a wide range of quality private hospitals across the UK, excluding those in the most expensive areas like Central London.A great cost-effective option for most people who are happy to travel a little further for treatment if needed.
StandardIncludes the Essential list plus more hospitals, including some London options (but typically not the prime HCA facilities).A good middle-ground, offering more choice and convenience, particularly for those living in or near major cities.
ExtendedThe most comprehensive list, providing access to virtually all private hospitals in the UK, including the premium facilities in Central London.Ideal for those who want maximum choice and access to the most renowned specialists, or for those who live in Central London.

Choosing a more restricted hospital list is a very effective way to lower your premium.

3. Managing Costs with an Excess

An excess is the amount you agree to pay towards the cost of a claim each policy year. For example, if you have a £250 excess and your first claim of the year is for £3,000, you pay the first £250 and The Exeter pays the remaining £2,750. You only pay the excess once per person, per policy year, regardless of how many claims you make.

The rule is simple: a higher excess means a lower monthly premium.

The Exeter typically offers a range of excess options, such as:

  • £0
  • £100
  • £250
  • £500
  • £1,000
  • £3,000
  • £5,000

Choosing an excess you are comfortable paying is a smart way to make your private health cover more affordable.

4. Adding Out-patient and Therapy Cover

While the core policy covers you once you're admitted to hospital, much of your medical journey happens before that. This is where out-patient cover comes in.

  • Out-patient Cover: This pays for specialist consultations, diagnostic tests (like MRI and CT scans), and procedures that don't require a hospital bed.
  • Therapies Cover: This pays for treatments like physiotherapy, osteopathy, and chiropractic care, which are vital for recovery from injuries and operations.

The Exeter allows you to add these as optional extras. You can choose to have them fully covered or select a capped amount per year (e.g., £500, £1,000, or £1,500) to keep costs down.

What Makes The Exeter Stand Out in the UK PMI Market?

In a market with major players like Bupa and AXA, The Exeter has several distinct advantages that appeal to a growing number of UK consumers.

  • The Mutual Advantage: As a member-owned organisation, their decisions are driven by member benefit, not shareholder profit. This can translate into a more stable and ethical long-term partnership.
  • Superb Digital Health Services: All members get free access to the HealthWise app. This is a significant benefit, offering:
    • Remote GP Appointments: Book a video or phone consultation with a UK-based GP, often for the same day.
    • Second Medical Opinion: Get a second opinion on a diagnosis or treatment plan from a world-leading specialist.
    • Mental Health Support: Access to qualified therapists for talking therapies.
    • Physiotherapy & Podiatry: Get remote assessments and tailored recovery plans.
  • Unlimited In-patient Cover: The peace of mind that comes from knowing your core hospital costs are covered without limit is invaluable.
  • Focus on the Self-Employed and Over-50s: The Exeter's products and underwriting are particularly well-suited to the self-employed, who can't afford long periods off work, and older individuals who may find other insurers less accommodating.
  • Award-Winning Service: They consistently receive high praise and industry awards for their claims service and overall customer experience.

Who is The Exeter's Health Insurance Best For?

While The Exeter can be a great choice for many, their offering particularly resonates with certain groups.

  1. The Self-Employed Professional:

    • Scenario: Sarah is a 40-year-old graphic designer. If she's unwell and can't work, her income stops. An NHS wait of several months for a hip operation would be financially devastating.
    • The Exeter's Solution: With a Health+ policy, she can be seen by a specialist in days, have her operation within weeks, and get back to work quickly. The HealthWise app also gives her instant GP access, so minor issues don't become major disruptions.

  2. The Modern Family:

    • Scenario: Mark and Emily have two young children. They worry about long waits for paediatric specialists and want quick access to a doctor when their kids are ill.
    • The Exeter's Solution: A family policy gives them all cover. The HealthWise app is a game-changer, allowing them to speak to a GP about their child's rash at 8 pm on a Sunday without leaving home.

  3. The Retiree with a Health History:

    • Scenario: David, 68, had a minor heart issue six years ago. Some insurers have been hesitant to offer him cover. He's active and wants to ensure he can get prompt treatment for new conditions like cataracts or joint problems.
    • The Exeter's Solution: Using Moratorium underwriting, David's historic heart condition is excluded. However, he gets full cover for any new, unrelated acute conditions. The Exeter's experience in underwriting more complex cases means his application is assessed fairly.

How Much Does Exeter Health Insurance Cost? A Look at Premiums

The cost of private medical insurance is highly personal. It depends on several factors:

  • Your Age: Premiums increase as you get older.
  • Your Location: Living in or near London generally costs more.
  • Your Chosen Cover: The hospital list, excess, and out-patient options you select have the biggest impact.
  • Your Smoker Status: Non-smokers pay less.

To give you an idea, here are some illustrative monthly premiums.

Table: Example Monthly Premiums for The Exeter Health+ (Note: These are estimates for a non-smoker outside London, with a Standard hospital list, £250 excess, and £1,000 out-patient cover. Prices are for illustrative purposes only and will vary.)

ProfileEstimated Monthly Premium (2025)
30-year-old Individual£45 - £60
45-year-old Couple£130 - £170
Family of Four (Parents 40, Children 10 & 8)£180 - £240

The only way to get an accurate price is to get a personalised quote. This is where an expert broker can save you time and money.

The WeCovr Advantage: Why Use a Broker for Your Exeter Policy?

While you can go directly to The Exeter, using an independent, FCA-authorised broker like WeCovr offers significant benefits at no extra cost to you.

  1. Impartial Expert Advice: Our specialists live and breathe the private medical insurance UK market. We can demystify the jargon and help you understand the subtle but important differences between policies.
  2. Full Market Comparison: We don't just look at The Exeter. We compare their Health+ policy against offerings from other top providers like AXA Health, Bupa, and Vitality, ensuring you see the whole picture and find the absolute best value.
  3. It Costs You Nothing: Our advice and service are completely free. We are paid a commission by the insurer you choose, and the premium you pay is the same as if you went direct.
  4. Tailored to You: We take the time to understand your personal needs, health concerns, and budget before recommending a solution. We do the hard work of finding the right fit, so you don't have to.
  5. Exclusive Member Benefits: When you arrange your PMI policy through WeCovr, you gain complimentary access to our AI-powered nutrition app, CalorieHero, to support your health goals. You may also be eligible for discounts on other insurance products, like life or income protection cover.

Health and Wellness Tips: Living Well Beyond Your Insurance Policy

Having a great insurance policy is a safety net, but the best approach is to proactively manage your health. Here are some simple, evidence-based tips:

  • Nourish Your Body: Focus on a balanced diet rich in fruits, vegetables, lean proteins, and whole grains. The Mediterranean diet is consistently linked to better heart health and longevity. Stay hydrated by drinking plenty of water throughout the day.
  • Move Every Day: The NHS recommends at least 150 minutes of moderate-intensity activity (like brisk walking or cycling) or 75 minutes of vigorous-intensity activity (like running or tennis) a week. Find an activity you enjoy to make it a sustainable habit.
  • Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. It's essential for mental clarity, immune function, and physical recovery. Create a relaxing bedtime routine and make your bedroom a screen-free zone.
  • Mind Your Mind: Chronic stress can impact your physical health. Practice mindfulness, spend time in nature, and maintain strong social connections. Don't be afraid to seek support when you need it—services like The Exeter's HealthWise app make it easier than ever.

Frequently Asked Questions (FAQs) about The Exeter Health Insurance

Does The Exeter cover pre-existing conditions?

Generally, no. Like all standard UK private medical insurance, The Exeter's policies are designed to cover new, acute conditions that arise after you join. Pre-existing and chronic conditions are not covered. However, under Moratorium underwriting, a condition you had in the 5 years before joining could become eligible for cover if you go 2 full years on the policy without needing any treatment, symptoms or advice for it.

Can I add my family to my Exeter Health+ policy?

Yes, absolutely. The Exeter's Health+ policy is flexible and can be set up for individuals, couples, or families. You can add your partner and your children to a single policy, which is often more convenient and can be more cost-effective than arranging separate plans for everyone.

What is the HealthWise app and is it included with my policy?

HealthWise is The Exeter's member benefits app, and it is included at no extra cost for all Health+ policyholders and their families. It provides valuable services including remote GP appointments, second medical opinions, mental health support, and remote physiotherapy assessments, giving you fast and convenient access to healthcare professionals from your phone.

Why should I use a PMI broker like WeCovr instead of going to The Exeter direct?

Using an expert PMI broker like WeCovr costs you nothing extra but provides significant advantages. We offer impartial advice and compare The Exeter against other leading UK insurers to ensure you get the best policy for your needs and budget. We handle the paperwork, explain the complexities, and can provide support if you ever need to claim, saving you time and giving you confidence in your choice.

Take the Next Step Towards Peace of Mind

Choosing the right private medical insurance is a significant decision. The Exeter offers a compelling, flexible, and member-focused solution that stands out in the UK market. With its comprehensive core cover and customisable options, it provides a powerful safety net for you and your family.

Ready to explore how The Exeter or other leading UK insurers can protect your health?

Contact WeCovr today for a free, no-obligation quote. Our FCA-authorised specialists are here to provide expert advice and help you find the perfect private health cover.

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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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