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From Zero-Hour Contracts to Full Protection Health Insurance for Modern Workers

From Zero-Hour Contracts to Full Protection Health Insurance for Modern Workers

The UK's employment landscape is shifting, but your financial security shouldn't have to. At WeCovr, an FCA-authorised broker that has helped arrange over 750,000 policies, we specialise in creating robust safety nets. This guide explains how to secure your future with private medical insurance and income protection in the UK.

WeCovr's advice on building financial security with health and income cover

Welcome to the modern world of work. The nine-to-five, job-for-life model is fading, replaced by a dynamic and flexible economy of freelancers, contractors, and gig workers. While this offers unprecedented freedom, it often means sacrificing the traditional safety nets that come with permanent employment, like sick pay and company health schemes.

This guide is your roadmap to building your own 'DIY' benefits package. We'll demystify private medical insurance and income protection, showing you how to construct a financial fortress that protects both your health and your earnings, no matter what your contract says.

The New Work Reality: Why Your Health is Your Biggest Asset

The way we work in the UK has fundamentally changed. The "gig economy" isn't a niche concept anymore; it's a mainstream reality for millions.

The Rise of the Gig Economy and Flexible Working in the UK

According to the Office for National Statistics (ONS), the number of people on zero-hour contracts has soared over the past decade, standing at over 1 million people. Add to this the nearly 5 million self-employed individuals, and it's clear that a significant portion of the UK workforce operates outside the traditional employer-employee relationship.

This brings incredible benefits:

  • Flexibility: Work when and where you want.
  • Autonomy: Be your own boss.
  • Variety: Take on diverse and interesting projects.

However, this freedom comes at a cost. When you're the one in charge, you're also the one responsible for everything else.

The 'Benefits Gap': What You're Missing Without a Traditional Employer

If you fall ill as a permanent employee, you typically receive Statutory Sick Pay (SSP) at a minimum, and many companies offer more generous contractual sick pay. You might also be enrolled in a company private medical insurance scheme.

For the modern worker, the picture is starkly different:

  • Sick Pay: If you're self-employed, there is no sick pay. If you don't work, you don't earn. For those on zero-hour contracts, eligibility for SSP can be complex and depends on meeting minimum earning thresholds. The weekly rate for SSP is £116.75 (2024/25 rate), which is rarely enough to cover living costs.
  • Health Insurance: Access to private healthcare is almost non-existent as a standard benefit.
  • Pensions: Auto-enrolment doesn't apply, meaning you have to set up and contribute to your own retirement fund.

This "benefits gap" leaves millions of workers financially vulnerable. An unexpected illness or injury isn't just a health crisis; it's a potential financial catastrophe.

A Real-Life Example: Meet Priya, the Freelance Graphic Designer

Priya, a 34-year-old freelance designer from Manchester, loves her job. She chooses her clients and sets her own hours. One winter, she developed a persistent and painful knee injury after a fall. Her GP suspected a torn ligament and referred her for an NHS MRI scan. The waiting list was six months.

For six months, Priya was in constant discomfort. She couldn't sit at her desk for long periods, turning down lucrative projects. Her income dropped by 40%. The stress was immense. This is the reality for many: a health issue directly impacts your ability to earn.

Relying Solely on the NHS: The Modern-Day Gamble

Let's be clear: the NHS is one of the UK's greatest achievements. It provides incredible care to millions, free at the point of use. For emergencies and critical care, it is world-class. However, for non-urgent diagnostics and treatment, the system is under unprecedented strain.

Our Cherished NHS Under Pressure

As we move through 2025, NHS waiting lists remain a major national issue. The latest data from NHS England reveals that the number of people waiting for routine hospital treatment is in the millions. The target is for 92% of patients to wait less than 18 weeks from referral to treatment, but this target has not been met for years.

Many patients wait much longer for common procedures like hip replacements, cataract surgery, or hernia repairs. These might be classed as "non-urgent" by the health service, but for the individual unable to work or live comfortably, they are anything but.

What Does This Mean for You? The True Cost of Waiting

For a freelancer, contractor, or small business owner, a long wait for treatment isn't just an inconvenience. It translates directly into:

  • Lost Income: Every day you're unable to work due to pain or immobility is a day you're not getting paid.
  • Business Disruption: You may lose clients or contracts if you're unable to deliver work on time.
  • Mental Health Strain: The uncertainty, pain, and financial worry can take a significant toll on your mental wellbeing.
  • Deteriorating Health: In some cases, waiting can cause a condition to worsen, potentially making treatment more complex later on.

This is where private medical insurance UK becomes less of a luxury and more of an essential tool for financial planning.

Your First Line of Defence: Private Medical Insurance (PMI) Explained

Private Medical Insurance (PMI), also known as private health cover, is an insurance policy that pays for the costs of private medical treatment for eligible conditions. Think of it as a way to bypass NHS waiting lists for specific treatments, giving you faster access to specialists, diagnostics, and surgery.

What is Private Medical Insurance?

In simple terms, you pay a monthly or annual premium to an insurer. If you develop a new medical condition after your policy begins, you can make a claim. Your policy will then cover the costs of your treatment in a private hospital or facility, up to the limits of your plan.

Key benefits include:

  • Speed: Get seen by a specialist and receive treatment quickly.
  • Choice: Choose your specialist and hospital from the insurer's approved list.
  • Comfort: Access to private rooms, often with en-suite facilities, TV, and more flexible visiting hours.
  • Access to Specialist Drugs: Some policies provide cover for drugs and treatments not yet available on the NHS due to cost.

The Golden Rule: What PMI Does and Does Not Cover

This is the single most important thing to understand about PMI in the UK. It is designed to treat acute conditions that arise after you take out your policy.

Covered (Acute Conditions)Not Covered (Chronic & Pre-existing)
What is an acute condition? A disease, illness, or injury that is likely to respond quickly to treatment and return you to your previous state of health.What is a chronic condition? A disease, illness, or injury that has one or more of the following characteristics: needs long-term monitoring, has no known cure, is likely to recur.
Examples: A torn muscle, appendicitis, cataracts, joint replacement, cancer treatment.Examples: Diabetes, asthma, high blood pressure, eczema, Crohn's disease.
Pre-existing Conditions: Any condition for which you have had symptoms, medication, or advice from a doctor in the years before your policy started.

Put simply: you cannot buy health insurance to treat a problem you already have. It's for new, unexpected, and treatable health issues. Emergency care (A&E) is always handled by the NHS.

Decoding PMI Jargon: Your Guide to Key Terms

The world of insurance can be confusing. An expert PMI broker like WeCovr can translate this for you, but here’s a quick guide to the most common terms.

TermPlain English Explanation
UnderwritingThe process the insurer uses to assess your health and decide what they will and won't cover.
Moratorium UnderwritingThe "don't ask, just cover" approach. 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 your policy starts. 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.
Full Medical Underwriting (FMU)You provide your full medical history upfront. The insurer then tells you exactly what is and isn't covered from day one. It's more admin initially but provides complete clarity.
ExcessThe amount you agree to pay towards any claim you make. For example, if your excess is £250 and your treatment costs £3,000, you pay the first £250 and the insurer pays the rest. A higher excess usually means a lower monthly premium.
Outpatient CoverCover for consultations and diagnostics where you don't need to be admitted to a hospital bed (e.g., seeing a specialist, MRI scans, blood tests). Policies can have full cover, limited cover (e.g., up to £1,000), or no outpatient cover.
Inpatient CoverCover for treatment that requires you to be admitted to a hospital bed, including surgery and overnight stays. This is a core feature of all PMI policies.

Choosing the Right Level of Private Health Cover for You

You don't need to buy the most expensive policy to get value. You can tailor your cover to suit your budget and needs.

  1. Budget/Basic: Covers inpatient treatment only. You would use the NHS for diagnostics and then switch to private for the actual surgery. This is a cost-effective way to protect against long waits for major procedures.
  2. Mid-Range: Includes inpatient cover plus a limit on outpatient services (e.g., £1,000). This is the most popular type of policy, balancing cost and comprehensive cover.
  3. Comprehensive: Covers inpatient and full outpatient treatment, and often includes extra therapies like physiotherapy and mental health support.

Protecting Your Paycheque: The Vital Role of Income Protection Insurance

While PMI looks after your physical health, Income Protection looks after your financial health. For a modern worker, it is arguably just as important.

What is Income Protection? Your Personal Sick Pay

Income Protection Insurance pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury. It continues to pay out until you can return to work, your policy ends, or you retire, whichever comes first.

It covers a huge range of conditions, from a bad back or severe stress to a heart attack or cancer. Essentially, if a doctor signs you off work, your policy can pay out.

You can typically insure up to 50-70% of your gross pre-tax earnings. This is to ensure you have an incentive to return to work when you are well enough.

Why Every Modern Worker Needs to Consider It

If you're self-employed or on a flexible contract, your ability to earn is your entire business. What happens if you can't work for 6 months, a year, or even longer?

  • How would you pay your rent or mortgage?
  • How would you cover your bills?
  • How would you support your family?

Income Protection is the policy designed to answer these questions. It provides a reliable income stream, allowing you to focus on your recovery without the stress of financial collapse.

Income Protection vs. Critical Illness Cover: What's the Difference?

People often confuse these two policies, but they serve very different purposes.

FeatureIncome Protection InsuranceCritical Illness Cover
Pays out...A regular monthly income.A one-off, tax-free lump sum.
When?If any illness or injury stops you from working (after a waiting period).If you are diagnosed with a specific, serious illness listed on the policy (e.g., heart attack, stroke, specific cancers).
Covers...A very wide range of conditions, including stress and musculoskeletal issues.Only the specific conditions listed in the policy document. You don't get paid for having a bad back.
PurposeTo replace your lost salary and cover regular living costs.To cover major one-off costs like adapting your home, paying off a mortgage, or private treatment.

They are not mutually exclusive. Many people have both, as they protect against different financial risks.

Building Your 'DIY' Employee Benefits Package

As a modern worker, you have the power to create a benefits package that is far more tailored and robust than many standard corporate schemes.

Combining Health and Income Cover for Total Peace of Mind

The ultimate safety net combines Private Medical Insurance with Income Protection.

  • PMI ensures you get treated quickly, minimising the time you are physically unable to work.
  • Income Protection ensures your bills are paid during that time, removing financial pressure.

Imagine our freelance designer, Priya, again. If she had this combination:

  1. Injury Occurs: She sees her GP.
  2. PMI Kicks In: Instead of waiting 6 months, her PMI policy authorises a private MRI scan within a week. The torn ligament is confirmed. A week later, she has keyhole surgery in a private hospital.
  3. Income Protection Kicks In: Her Income Protection policy has a 4-week 'deferment period' (the initial waiting time before it pays out). During her recovery, her policy starts paying her a monthly income, so she can focus on her physiotherapy without worrying about her rent.

Within 6-8 weeks, Priya is back at her desk, financially stable and physically recovered. This is the power of a self-built safety net.

How WeCovr Helps You Build Your Bespoke Safety Net

Navigating the insurance market can be daunting. There are dozens of providers, policies, and options. This is where using an independent, FCA-authorised broker like WeCovr is invaluable.

  • We do the shopping for you: We have access to policies from across the UK's leading insurers.
  • Expert advice: We take the time to understand your unique situation as a freelancer or contractor and recommend the right type of cover.
  • No extra cost: Our service is paid for by the insurer, so you don't pay us a penny for our advice and support.
  • We save you time and money: We know the market inside out and can quickly find the most competitive and suitable options, potentially saving you hundreds of pounds a year.

The Power of Proactive Health Management

Insurance is for when things go wrong, but the best strategy is to stay healthy in the first place. Taking a proactive approach to your wellbeing is one of the smartest investments you can make.

  • Diet: Focus on a balanced diet rich in whole foods, fruits, and vegetables. Good nutrition is the foundation of physical and mental resilience.
  • Exercise: Aim for at least 150 minutes of moderate-intensity activity per week, as recommended by the NHS. This could be brisk walking, cycling, or swimming.
  • Sleep: Prioritise 7-9 hours of quality sleep per night. It's crucial for cognitive function, immune response, and mood regulation.
  • Stress Management: As a modern worker, stress can be a constant companion. Practice mindfulness, take regular breaks, and maintain a healthy work-life balance.

Unlock More with WeCovr: CalorieHero and Policy Discounts

We believe in rewarding our clients for taking their health and financial security seriously. When you work with us, you get more than just an insurance policy.

  • Complimentary CalorieHero Access: All WeCovr clients get free access to our AI-powered calorie and nutrition tracking app, CalorieHero. It's a fantastic tool to help you stay on top of your diet and wellness goals.
  • Multi-Policy Discounts: When you take out a private medical or life insurance policy with us, we can often provide you with exclusive discounts on other types of cover, such as income protection or critical illness cover. Building your complete safety net has never been more affordable.

Understanding the Cost of Private Health and Income Cover in the UK

One of the first questions people ask is: "How much will it cost?" The answer is: it depends. Premiums are highly personalised.

Key Factors That Influence Your Premiums

  • Age: The older you are, the higher the risk, and therefore the higher the premium.
  • Health & Lifestyle: Insurers will ask if you smoke or vape. Being a non-smoker significantly reduces your costs.
  • Location: Treatment costs vary across the UK, so premiums in Central London are typically higher than in other parts of the country.
  • Level of Cover: A comprehensive policy will cost more than a basic, inpatient-only plan.
  • Excess: Choosing a higher excess will lower your monthly premium.

Sample Monthly Costs for Private Medical Insurance UK

The table below provides illustrative examples of what a healthy non-smoker might pay for a mid-range PMI policy with a £250 excess. These are not quotes.

AgeLocationEstimated Monthly Premium
30Manchester£45 - £60
30London£60 - £75
45Manchester£70 - £90
45London£90 - £120
60Manchester£120 - £160
60London£150 - £200

The best PMI provider is the one that offers the right cover for your specific needs at the best price. Comparing quotes is essential.

Is It Worth the Investment?

Consider the cost of not having cover. If a six-month wait for surgery costs you £15,000 in lost earnings, a £60-per-month policy suddenly looks like an incredibly wise investment. It's not just about health; it's about preserving your livelihood. With our high customer satisfaction ratings, we at WeCovr are confident we can find a plan that provides exceptional value and peace of mind.

Frequently Asked Questions (FAQs) about Health Insurance for Modern Workers

As a freelancer, can I really get private medical insurance?

Absolutely. Insurers do not differentiate based on your employment type, whether you are permanent, freelance, or self-employed. The policy is for you as an individual. The main factors they consider are your age, health, lifestyle (e.g., smoking), and the level of cover you choose, not your contract type.

My income from a zero-hour contract is unpredictable. Can I still get income protection?

Yes, you can. It can be slightly more complex than for a salaried employee, but it is entirely possible. Insurers will typically look at your average earnings over the last 1-3 years to establish a stable income level. It's vital to keep good records of your earnings (e.g., tax returns, invoices) to prove your income. A specialist broker can help you find insurers who are experienced in underwriting for flexible workers.

What is the most important thing to know about PMI before I buy?

The most critical point to understand is that standard UK private medical insurance is designed to cover new, acute conditions that arise *after* your policy starts. It does not cover pre-existing conditions (illnesses you already have) or chronic conditions (long-term illnesses that cannot be cured, like diabetes or asthma). Always be honest and thorough during the application process to ensure you know exactly what is covered.

Does private health cover mean I don't use the NHS anymore?

Not at all. Private medical insurance works alongside the NHS, not as a replacement for it. You will still use the NHS for GP visits, A&E services, and for managing any chronic conditions you have. PMI is a tool to bypass NHS waiting lists for specific, eligible treatments, giving you faster access to care when you need it most.

The world of work has changed. It's time your approach to financial and health security changed with it. You no longer need to rely on a traditional employer for a safety net; you have the power to build your own.

Take the first step towards total peace of mind. Contact WeCovr today for a free, no-obligation quote and let our expert advisors help you compare policies and build the protection you deserve.

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.
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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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