WeCovr.

No Sick Pay Why Health Cover Matters for Gig Workers

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 18, 2026
📚 Recommended reads

Best Private Health Insurance UK 2026

Read

Average Cost of PMI (UK)

Read

PMI Provider Reviews

Read



Watch this on a dedicated video page
Scroll for the full guide
↓

TL;DR

As an FCA-authorised expert that has arranged over 900,000 policies, WeCovr specialises in helping UK individuals find the right protection. This guide explores why private medical insurance is not a luxury but a necessity for the UK's growing army of gig workers, freelancers, and self-employed professionals. WeCovr explains why PMI is vital for self-employed and zero-hour contract workers The world of work has transformed.

Key takeaways

  • A freelance graphic designer develops severe wrist pain (carpal tunnel syndrome) and can't use a mouse for weeks.
  • A self-employed plumber needs a hernia operation and faces a lengthy wait for surgery.
  • A zero-hour contract courier breaks an ankle and is unable to make deliveries for two months.
  • Seek medical help: This means taking time off for appointments, diagnosis, and treatment, resulting in immediate lost income.
  • Delay seeking help: You might try to work through the pain or illness to maintain your income, but this can worsen the condition, potentially leading to a much longer and more serious period of forced time off later.

As an FCA-authorised expert that has arranged over 900,000 policies, WeCovr specialises in helping UK individuals find the right protection. This guide explores why private medical insurance is not a luxury but a necessity for the UK's growing army of gig workers, freelancers, and self-employed professionals.

WeCovr explains why PMI is vital for self-employed and zero-hour contract workers

The world of work has transformed. Millions of people in the UK have embraced the flexibility and autonomy of self-employment, freelance projects, and zero-hour contracts. But this freedom comes with a significant trade-off: the loss of the traditional employee safety net. When you're your own boss, there's no sick pay, no employer-funded health benefits, and no one to cover for you if illness or injury strikes.

This is where private medical insurance (PMI) steps in, acting as a crucial buffer between your health and your livelihood. It’s a tool designed to get you back on your feet and earning again as quickly as possible.

The Rise of the UK's Gig Economy and Its Hidden Risks

The "gig economy" isn't a niche concept anymore; it's a fundamental part of the UK's workforce. According to the latest Office for National Statistics (ONS) data, there are over 4.3 million self-employed workers in the UK, making up a significant portion of the labour market. This includes everyone from delivery drivers and freelance creatives to IT contractors and consultants.

While the flexibility is a huge draw, the financial reality can be precarious. Your income is directly tied to your ability to work. If you can't work, you don't get paid. It's a simple, yet brutal, equation.

Consider these common scenarios for a gig worker:

  • A freelance graphic designer develops severe wrist pain (carpal tunnel syndrome) and can't use a mouse for weeks.
  • A self-employed plumber needs a hernia operation and faces a lengthy wait for surgery.
  • A zero-hour contract courier breaks an ankle and is unable to make deliveries for two months.

In each case, the immediate health concern is quickly followed by a financial crisis. Without a sick pay buffer, savings can be depleted in weeks, leading to immense stress and pressure to return to work before you're fully recovered.

The Financial Cliff-Edge: Why 'No Sick Pay' is a Major Risk

For those in traditional employment, an illness might mean a few weeks off work, supported by Statutory Sick Pay (SSP) or a more generous company sick pay scheme. As of late 2024, SSP is just over £116 per week. While not a huge sum, it provides a basic financial floor. (illustrative estimate)

Self-employed and most zero-hour contract workers are not eligible for SSP. Your financial floor is zero. This "sick pay gap" creates a stark choice when you fall ill:

  1. Seek medical help: This means taking time off for appointments, diagnosis, and treatment, resulting in immediate lost income.
  2. Delay seeking help: You might try to work through the pain or illness to maintain your income, but this can worsen the condition, potentially leading to a much longer and more serious period of forced time off later.

This is the financial cliff-edge that millions of UK gig workers face. A health issue that would be an inconvenience for an employee can become a financial catastrophe for a freelancer.

What Exactly is Private Medical Insurance and How Can It Help?

Private Medical Insurance (PMI), often called private health cover, is an insurance policy that pays for the costs of private healthcare for specific conditions. You pay a monthly or annual premium, and in return, the insurer covers the expense of eligible treatments in a private hospital or clinic.

The primary goal of PMI is to bypass NHS waiting lists for non-urgent procedures, giving you faster access to specialists, diagnosis, and treatment. For a gig worker, "faster" means a quicker return to work and a swifter end to lost earnings.

The Critical Rule: PMI is for Acute Conditions, Not Chronic or Pre-Existing Ones

This is the single most important concept to understand about standard UK private medical insurance.

  • PMI covers 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, hernia repair, or treatment for a specific infection.

  • PMI does NOT cover CHRONIC conditions. A chronic condition is one that persists for a long time and typically cannot be cured, only managed. Examples include diabetes, asthma, high blood pressure, and arthritis. The ongoing management of these conditions will remain with the NHS.

  • PMI does NOT cover PRE-EXISTING conditions. This refers to any illness or injury you had before you took out the policy. How this is handled depends on the type of underwriting you choose, but as a rule, you cannot buy a policy today to cover a problem you already have.

Condition TypeCovered by Standard PMI?Example
New Acute ConditionYesA knee injury sustained after your policy starts, requiring surgery.
Chronic ConditionNoOngoing management of diabetes or Crohn's disease.
Pre-existing ConditionNo (Typically)Back pain you were receiving treatment for before you bought the policy.

Understanding this distinction is key to having the right expectations. PMI is not a replacement for the NHS; it's a complementary service designed to solve a specific problem: waiting times for treatable conditions.

Relying Solely on the NHS: Understanding the Waiting Game

The National Health Service is a national treasure, providing exceptional care, particularly for emergencies, cancer treatment, and the management of chronic conditions. We are all rightly proud of it.

However, for elective (i.e., non-emergency) procedures, the system is under immense strain. According to the latest data from NHS England, the waiting list for consultant-led elective care stands at well over 7 million. While progress is being made, the target of waiting no more than 18 weeks from referral to treatment is frequently missed for many procedures.

What does an 18-week, 30-week, or even 52-week wait mean for a self-employed person?

  • 18 weeks of lost or reduced income.
  • 18 weeks of living with pain or discomfort.
  • 18 weeks of being unable to work at full capacity.

Let's compare the journey for a self-employed delivery driver needing a hip replacement, which is preventing them from working.

FeatureNHS JourneyPrivate Medical Insurance JourneyImpact on the Gig Worker
Initial ConsultationWait several weeks to see a specialist.See a specialist within days.Get a clear diagnosis and plan of action almost immediately.
Diagnostic ScansWait several more weeks for an MRI or CT scan.Scans are often done within a week.Less time spent in uncertain pain.
Waiting for SurgeryPlaced on a waiting list that could be many months long.Surgery scheduled for a convenient date, often within 2-4 weeks.The period of lost income is dramatically shortened from months to weeks.
Hospital StayOn a general ward.Private room with en-suite facilities.More comfortable, better rest, and easier for family to visit.
RehabilitationStandard NHS physiotherapy schedule.Often includes a more intensive or extended post-op physio package.A faster, more complete recovery, enabling a quicker return to physical work.

For a gig worker, the difference isn't just about comfort; it's about financial survival. The PMI journey minimises downtime and gets you back to earning your living.

The Top 5 Ways Health Insurance Protects Your Livelihood

For a self-employed individual, a private health cover policy is more than just healthcare; it's a business continuity tool. Here are the key benefits.

1. Radically Reduced Waiting Times

This is the core benefit. Instead of waiting months for a diagnosis or treatment that restricts your ability to work, you can be seen and treated in weeks, or even days. This directly translates to less time off and less income lost.

2. Control and Flexibility

The NHS dictates when and where you will be treated. With PMI, you are in the driver's seat.

  • Choice of Specialist: You can choose the specific surgeon or consultant you want to see, perhaps one renowned for a particular procedure.
  • Choice of Hospital: You can select a hospital that is convenient for you and your family from a pre-approved list.
  • Choice of Timing: You can schedule your treatment around your work commitments, perhaps during a quiet period or after completing a major project. This level of control is invaluable when you are the business.

3. Access to Advanced Treatments and Drugs

Private medical insurance can sometimes provide access to breakthrough drugs, treatments, or surgical techniques that may not yet be available on the NHS due to funding or approval delays by the National Institute for Health and Care Excellence (NICE).

4. Valuable Mental Health and Wellbeing Support

The stress and uncertainty of gig work can take a toll on mental health. Modern PMI policies recognise this. Many now include:

  • Virtual GP Services: 24/7 access to a GP via phone or video call, meaning you don't have to take a morning off work to visit a surgery.
  • Mental Health Support: Access to counselling or therapy sessions, often without needing a GP referral. This can be a lifeline for dealing with work-related stress, anxiety, or burnout.
  • Wellness Perks: Many insurers offer discounts on gym memberships, fitness trackers, and health screenings, actively encouraging you to stay healthy.

As a WeCovr client, you also get complimentary access to our AI-powered nutrition app, CalorieHero, helping you manage your diet and stay in peak condition.

5. Unbeatable Peace of Mind

Perhaps the most underrated benefit is the reduction in anxiety. Knowing you have a plan in place if you get sick removes a huge weight from your shoulders. This financial and emotional security allows you to focus on what you do best: running your business and serving your clients, without the nagging fear of "what if?".

Decoding Your Policy: A Gig Worker's Guide to Choosing the Right Cover

The UK private medical insurance market can seem complex, but it's designed to offer flexibility. Understanding a few key terms will help you tailor a policy that fits your needs and budget.

As expert PMI brokers, the team at WeCovr can walk you through all these options at no cost to you, ensuring you get the perfect fit.

Key Policy Terms Explained

  • Underwriting: This is how the insurer assesses your medical history.

    • Moratorium (Most Common): You don't declare your full medical history upfront. Instead, the policy automatically excludes treatment for any condition you've had symptoms of, or received treatment for, in the 5 years before the policy start date. 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 and quick.
    • Full Medical Underwriting (FMU): You complete a detailed health questionnaire. The insurer then assesses it and tells you exactly what is and isn't covered from day one. This provides certainty but can be more complex and may result in permanent exclusions for certain past conditions.

  • Excess: This is the amount you agree to pay towards any claim. For example, if you have a £250 excess and your treatment costs £4,000, you pay the first £250 and the insurer pays the remaining £3,750. Choosing a higher excess is a great way to lower your monthly premium.

  • Level of Cover: Policies are usually tiered.

Level of CoverWhat's Typically IncludedIdeal For
Basic / In-patient OnlyCovers tests and treatment only when you are admitted to a hospital bed overnight.The most budget-conscious gig worker who just wants cover for major issues requiring a hospital stay.
Mid-Range / In- & Out-patientAdds cover for specialist consultations and diagnostic tests that don't require a hospital stay (out-patient care).The most popular choice, providing comprehensive cover from diagnosis through to treatment.
ComprehensiveAdds therapies (like physiotherapy), mental health support, and sometimes dental/optical cover.Those wanting a complete health and wellbeing package with maximum peace of mind.
  • The 'Six-Week Option': This is a brilliant cost-saving feature, perfect for the self-employed. If the NHS waiting list for your in-patient procedure is less than six weeks, you agree to use the NHS. If the wait is longer than six weeks, your private cover kicks in. This can significantly reduce your premium because it means the policy only pays out when the NHS is unable to provide prompt treatment.

What's the Cost? Budgeting for PMI on a Variable Income

This is the big question for any freelancer or contractor. The good news is that private health insurance is more affordable than many people think, and policies are highly customisable to fit your budget.

The cost of your premium depends on several factors:

  • Your age: Premiums increase as you get older.
  • Your location: Treatment costs vary across the UK, so premiums can be higher in London and the South East.
  • Your smoking status: Smokers pay more.
  • The level of cover you choose: The more comprehensive the policy, the higher the cost.
  • Your excess and hospital list: A higher excess or a more restricted list of hospitals will lower your premium.

Here are some illustrative examples of monthly premiums for a non-smoker. These are for guidance only; your actual quote will be specific to you.

AgeLocationBasic Cover (e.g., £500 excess)Comprehensive Cover (e.g., £250 excess)
30Manchester£35 - £50£60 - £85
40London£50 - £70£90 - £130
50Bristol£70 - £95£130 - £180

The key is to see PMI not as a cost, but as an investment in your ability to earn. Could you afford to lose £5,000, £10,000, or more in income while waiting for an operation? For many, a monthly premium of £50 is a small price to pay to protect against that risk. (illustrative estimate)

Beyond PMI: A Holistic Approach to Health for Gig Workers

While PMI is a vital tool, it's one part of a wider strategy for staying healthy and financially secure when you're self-employed.

  • Build an Emergency Fund: Aim to have 3-6 months of living expenses saved in an accessible account. This is your first line of defence for any unexpected event, including a short-term illness.
  • Prioritise Your Wellbeing: Don't let work consume you.
    • Ergonomics: If you're desk-based, invest in a good chair and screen setup.
    • Movement: Take regular breaks. If your work is physical, use correct lifting and handling techniques.
    • Nutrition & Sleep: Fuel your body and mind properly. A balanced diet and 7-8 hours of sleep are non-negotiable for peak performance.
  • Consider Other Insurances:
    • Income Protection Insurance: This is different from PMI. It pays you a monthly tax-free income if you're unable to work due to any illness or injury, not just ones requiring surgery. It's designed to replace your salary.
    • Critical Illness Cover: This pays out a one-off lump sum if you are diagnosed with a specific serious illness, like some forms of cancer, a heart attack, or a stroke.

WeCovr can advise on these policies too, and we often provide discounts on additional cover when you purchase a private medical insurance or life insurance policy with us.

You could go directly to an insurer, but you would only see one set of prices and one type of policy. The private medical insurance UK market is vast, with dozens of providers all offering slightly different products. How do you know which is best for you?

This is where an independent broker like WeCovr is invaluable.

  1. We are Experts: We live and breathe the insurance market. We know the providers, the policies, and the fine print inside-out.
  2. We Work for You, Not the Insurer: Our goal is to find the best possible cover for your specific needs and budget. We are not tied to any single provider.
  3. We Save You Time and Hassle: Instead of you spending hours comparing quotes and trying to decipher complex documents, we do all the legwork for you.
  4. Our Service is Free: We are paid a commission by the insurer you choose, so our expert advice and market comparison service costs you nothing extra. The price is the same as going direct, but with the added benefit of impartial, expert guidance.

With high customer satisfaction ratings and a commitment to clear, honest advice, WeCovr is the ideal partner for any gig worker looking to secure their health and their income.

Is private health insurance tax-deductible for the self-employed?

Generally, if you are a sole trader or in a partnership, a personal private medical insurance policy is not considered a tax-deductible business expense. However, if you run a limited company, the company can pay for the policy as a business expense. This is then treated as a 'benefit in kind' for the employee (you), which you will need to pay tax on. The rules can be complex, so it's always best to consult with your accountant for advice specific to your business structure.

What's the difference between private medical insurance and income protection?

This is a crucial distinction. Private Medical Insurance (PMI) pays for the *cost of your treatment* in a private setting to help you get better faster. Income Protection Insurance pays *you* a monthly tax-free income if you are unable to work due to any illness or injury. They solve two different problems: PMI tackles the medical wait, while Income Protection tackles the lost earnings. Many self-employed people have both to create a comprehensive safety net.

Can I get cover if I have a pre-existing medical condition?

Standard private medical insurance policies are designed to cover new, acute conditions that arise *after* your policy begins. They do not cover pre-existing or chronic conditions. If you choose 'Moratorium' underwriting, a pre-existing condition might become eligible for cover after you've been on the policy for two continuous years without any symptoms or treatment for it. It's vital to be honest about your medical history to ensure any future claims are paid.

How quickly can I be seen with private medical insurance?

The speed is a key benefit. Once you have a GP referral, you can often see a specialist for an initial consultation within a few days. Diagnostic tests like MRI or CT scans can usually be arranged within a week. If surgery is required, it can typically be scheduled within two to four weeks, at a time and hospital that suits you. This is a dramatic reduction compared to the potential for many months of waiting for non-urgent NHS treatment.

Take the First Step to Protect Your Livelihood

As a gig worker, your health is your most valuable asset. Don't leave it to chance. Investing in a private medical insurance policy is one of the smartest business decisions you can make, providing a direct path back to work when you need it most.

Ready to build your health and financial safety net? The expert, friendly team at WeCovr is here to help. We'll compare the market for you, explain your options in plain English, and find a policy that protects you without breaking the bank.

Get your free, no-obligation quote from WeCovr today and discover how affordable peace of mind can be.

Sources

  • NHS England: Waiting times and referral-to-treatment statistics.
  • Office for National Statistics (ONS): Health, mortality, and workforce data.
  • NICE: Clinical guidance and technology appraisals.
  • Care Quality Commission (CQC): Provider quality and inspection reports.
  • UK Health Security Agency (UKHSA): Public health surveillance reports.
  • Association of British Insurers (ABI): Health and protection market publications.
Get Quote

Related tools

NHS Wait vs Private Cost MapOpen →
Private Surgery Price ListOpen →
Health Risk AssessmentOpen →
Can I Get Covered? CheckerOpen →
International PMI CalculatorOpen →
PMI Provider ReviewsOpen →
Back to Private Health Insurance (PMI) hub

WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

Flagship guides

Protection Score
Read now →
Best Private Health Insurance UK 2026
Read now →
Average Cost of Private Health Insurance UK 2026
Read now →
Should I Get Private Health Insurance?
Read now →

Explore insurance hubs

PMI Guides Hub
Life Insurance Guides Hub
Income Protection Guides Hub

Related guides

Does PMI Cover Hospital Accommodation for Parents with Sick Children
Does PMI Cover Hospital Accommodation for Parents with Sick Children
Read more →
How Companies Use PMI to Reduce Staff Sick Days
How Companies Use PMI to Reduce Staff Sick Days
Read more →

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.

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 experienced 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:

Our Group Is Proud To Have Issued 900,000+ 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

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.

Learn more

...

Who Are WeCovr?

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

👍 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!