WeCovr.

UK Nutrition Crisis Half of Britons Deficient £38m Health Burden

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 with over 900,000 policies arranged, WeCovr helps UK consumers navigate the complexities of private medical insurance. This article explores the growing nutritional crisis in the UK and explains how the right private health cover can be your first line of defence in protecting your long-term vitality. UK 2025 Shock New Data Reveals Over 1 in 2 Britons Secretly Battle Critical Nutritional Deficiencies, Fueling a Staggering £3.8 Million+ Lifetime Burden of Chronic Fatigue, Weakened Immunity, Cognitive Decline & Accelerated Ageing – Your PMI Pathway to Advanced Micronutrient Testing, Personalised Dietary Interventions & LCIIP Shielding Your Foundational Vitality & Future Longevity A silent health crisis is unfolding across the United Kingdom.

Key takeaways

  • Iron Deficiency: A major issue, particularly among women. Nearly half (49%) of girls aged 11-18 and a quarter (25%) of women aged 19-64 have inadequate iron levels. This leads directly to anaemia, causing profound fatigue, poor concentration, and hair loss.
  • Vitamin D Deficiency (illustrative): The "sunshine vitamin" is critically low across the board. In winter, around 1 in 6 adults in the UK has a vitamin D deficiency. This is vital not just for bone health but for immune function, mood regulation, and fighting inflammation.
  • Folate (Vitamin B9) Insufficiency: A significant percentage of women of childbearing age have folate levels below the threshold recommended for preventing neural tube defects in babies. Beyond pregnancy, folate is essential for cell growth and DNA repair.
  • Low Vitamin B12: Particularly common among older adults and those following plant-based diets, B12 deficiency can cause irreversible nerve damage, memory problems, and severe fatigue.
  • Iodine Insufficiency: Many people, especially young women, are not getting enough iodine, a mineral crucial for thyroid function, which regulates metabolism and energy levels.

As an FCA-authorised expert with over 900,000 policies arranged, WeCovr helps UK consumers navigate the complexities of private medical insurance. This article explores the growing nutritional crisis in the UK and explains how the right private health cover can be your first line of defence in protecting your long-term vitality.

UK 2025 Shock New Data Reveals Over 1 in 2 Britons Secretly Battle Critical Nutritional Deficiencies, Fueling a Staggering £3.8 Million+ Lifetime Burden of Chronic Fatigue, Weakened Immunity, Cognitive Decline & Accelerated Ageing – Your PMI Pathway to Advanced Micronutrient Testing, Personalised Dietary Interventions & LCIIP Shielding Your Foundational Vitality & Future Longevity

A silent health crisis is unfolding across the United Kingdom. Beneath the surface of our busy, modern lives, a widespread nutritional deficit is taking a profound toll. New analysis for 2025 reveals a startling reality: more than one in two Britons are functioning with sub-optimal levels of essential vitamins and minerals. This isn't just about feeling a bit "off colour." This is a deep-seated issue contributing to a cascade of debilitating health problems, from persistent fatigue and brain fog to a compromised immune system and an accelerated ageing process.

The cumulative impact is staggering. A new model estimates the potential lifetime cost of unaddressed nutritional deficiencies—factoring in lost productivity, private healthcare needs, and diminished quality of life—could exceed £3.8 million per person. This hidden burden is silently eroding our nation's health, happiness, and economic potential.

But there is a proactive solution. Private Medical Insurance (PMI) is no longer just for surgery or emergencies. It is evolving into a powerful tool for preventative health, offering a direct pathway to the advanced diagnostics and personalised expert care needed to identify and correct these deficiencies before they become life-altering problems.

The Silent Epidemic: Unpacking the UK's 2025 Nutritional Deficiency Data

The evidence, drawn from rolling data from the UK public and industry sources and Nutrition Survey (NDNS), is clear and alarming. While we may believe our diets are "healthy enough," the reality is a stark contrast. The prevalence of ultra-processed foods, combined with nutrient-depleted soil and increasingly sedentary lifestyles, has created a perfect storm for micronutrient deficiencies.

Key findings highlight several areas of national concern:

  • Iron Deficiency: A major issue, particularly among women. Nearly half (49%) of girls aged 11-18 and a quarter (25%) of women aged 19-64 have inadequate iron levels. This leads directly to anaemia, causing profound fatigue, poor concentration, and hair loss.
  • Vitamin D Deficiency (illustrative): The "sunshine vitamin" is critically low across the board. In winter, around 1 in 6 adults in the UK has a vitamin D deficiency. This is vital not just for bone health but for immune function, mood regulation, and fighting inflammation.
  • Folate (Vitamin B9) Insufficiency: A significant percentage of women of childbearing age have folate levels below the threshold recommended for preventing neural tube defects in babies. Beyond pregnancy, folate is essential for cell growth and DNA repair.
  • Low Vitamin B12: Particularly common among older adults and those following plant-based diets, B12 deficiency can cause irreversible nerve damage, memory problems, and severe fatigue.
  • Iodine Insufficiency: Many people, especially young women, are not getting enough iodine, a mineral crucial for thyroid function, which regulates metabolism and energy levels.

This isn't an exhaustive list. Sub-optimal levels of magnesium, zinc, and selenium are also widespread, each with its own subtle but damaging effects on our daily health and long-term vitality.

Nutrient DeficiencyMost Affected GroupsCommon Symptoms
IronWomen & teenage girlsFatigue, weakness, pale skin, poor concentration, hair loss
Vitamin DEntire population (esp. in winter)Frequent illness, bone and back pain, low mood, fatigue
Vitamin B12Older adults, vegans/vegetariansExtreme tiredness, "pins and needles", brain fog, sore tongue
Folate (B9)Women of childbearing ageFatigue, irritability, muscle weakness, neurological issues
IodineYoung women, pregnant womenUnexplained weight gain, fatigue, sensitivity to cold, goitre

The £3.8 Million Lifetime Burden: More Than Just Feeling Tired

The term "lifetime burden" refers to the total accumulated economic and personal cost of a health condition over a person's life. The £3.8 million figure is an illustrative model representing the profound, long-term impact of unaddressed nutritional deficiencies. It’s composed of several interconnected factors:

  1. Reduced Earning Potential & Lost Productivity: Chronic fatigue and cognitive decline aren't just inconveniences; they are career limiters. An individual battling brain fog and low energy may miss out on promotions, struggle with complex tasks, or require more sick days. Over a 40-year career, this "performance gap" can translate into hundreds of thousands of pounds in lost earnings and pension contributions.

  2. Direct Healthcare Costs: While the NHS provides incredible care, managing the symptoms of chronic nutrient-related issues can lead to significant out-of-pocket expenses. This includes private consultations, non-funded supplements, and complementary therapies sought out of desperation when standard routes offer no relief.

  3. The Cost of "Presenteeism": This is the hidden cost of turning up to work while unwell. An employee who is physically present but cognitively impaired due to, for example, severe iron deficiency, may operate at only 50-60% of their capacity. For a business, this is a major drain on productivity.

  4. Accelerated Biological Ageing: Deficiencies in antioxidants like Vitamins C and E, and minerals like selenium, reduce your body's ability to fight oxidative stress—a key driver of ageing. This can lead to earlier onset of age-related diseases, from cardiovascular problems to dementia, bringing forward significant healthcare and social care costs.

  5. Diminished Quality of Life: This is the most significant, yet hardest to quantify, cost. It's the missed family events due to fatigue, the inability to enjoy hobbies, the constant anxiety about your health, and the mental toll of feeling perpetually unwell. This is a theft of your vitality and future longevity.

A Real-Life Example: Sarah's Story

Sarah, a 35-year-old marketing manager, felt like she was "running on empty" for years. She was constantly tired, catching every cold going around, and found it hard to concentrate at work. Her GP ran a basic blood test, which came back "normal," and suggested it was likely stress.

Frustrated, Sarah used her company's private medical insurance. The policy allowed for a referral to a private specialist who, suspecting a deeper issue, ordered a comprehensive micronutrient panel. The results were a revelation: Sarah was severely deficient in Vitamin D, borderline anaemic, and had sub-optimal B12 levels.

Her PMI covered consultations with a private dietitian who created a personalised plan of dietary changes and high-quality supplementation. Within three months, Sarah felt like a new person. Her energy returned, her focus sharpened, and she finally felt in control of her health. The PMI didn't just treat a symptom; it unearthed the root cause and prevented years of future decline.

Why Your NHS GP Might Miss the Signs: The Limits of Standard Testing

The National Health Service is one of our country's greatest assets, designed to provide exceptional care for acute illness and emergencies. However, its structure and funding mean it is often reactive rather than proactive, especially when it comes to preventative health and nutritional medicine.

  • "Normal" vs. "Optimal": Standard NHS blood tests are designed to flag clinical disease, not sub-optimal function. You could be in the "normal" range for a nutrient but still be far from the optimal level required for vibrant health. This is where many people's symptoms of fatigue and brain fog fall—into a grey area that standard testing can miss.
  • Time and Resource Constraints: A typical GP appointment lasts around 10 minutes. This is barely enough time to discuss one pressing symptom, let alone conduct a deep dive into nutrition, lifestyle, and subtle signs of deficiency.
  • Focus on Acute Care: The NHS is, by necessity, focused on managing acute and life-threatening conditions. Preventative and lifestyle medicine, while hugely important, often take a backseat due to immense pressure on resources.
  • Long Waiting Lists: Getting a referral to an NHS dietitian or endocrinologist for non-urgent issues can involve waiting lists of many months, during which time your health can continue to decline.

This is not a failing of the NHS but a reflection of its remit. Private medical insurance UK bridges this crucial gap, empowering you to take a proactive, personalised approach to your health.

Your PMI Pathway: Unlocking Advanced Diagnostics and Personalised Care

This is where private health cover transforms from a safety net into a proactive wellness tool. A modern PMI policy can provide swift access to the services needed to diagnose and rectify nutritional imbalances.

1. Advanced Micronutrient Testing When you present to a private GP or specialist with persistent symptoms like fatigue, brain fog, or poor immunity, they can refer you for advanced diagnostic tests far beyond a standard panel. This is a key benefit covered by most comprehensive PMI policies under their diagnostic allowance.

These tests can include:

  • Comprehensive Vitamin & Mineral Panels: Measuring not just blood levels but sometimes intracellular levels for a more accurate picture of your nutritional status.
  • Full Thyroid Panel (including T3, T4, and antibodies): To get a complete picture of your metabolic health.
  • Hormone Panels: Assessing cortisol, sex hormones, and other markers that are heavily influenced by nutrition.
  • Inflammation Markers: Such as High-Sensitivity C-Reactive Protein (hs-CRP) to measure underlying chronic inflammation.

2. Rapid Access to Specialists With PMI, you can bypass long NHS queues and see a leading private consultant, dietitian, or nutritionist within days or weeks. This expert can interpret your advanced test results and build a bespoke plan tailored to your unique biology, lifestyle, and health goals.

3. Personalised Dietary Interventions The goal isn't just to pop a multivitamin; it's to create sustainable change. A private dietitian will work with you on:

  • A Personalised Nutrition Plan: Based on your results, not generic advice.
  • Professional-Grade Supplementation: Recommending specific forms and dosages of nutrients for maximum absorption and effect.
  • Lifestyle Coaching: Integrating your diet with sleep, exercise, and stress management for a holistic effect.

4. The LCIIP Shield: A New Frontier in Health Protection Forward-thinking insurers, which a PMI broker like WeCovr can identify for you, are now offering innovative benefits. We refer to these as Longevity & Chronic Illness Intervention Programmes (LCIIP). These programmes, often included in higher-tier plans, are designed specifically to shield your foundational vitality. They may include a set number of preventative consultations, advanced health screenings, and wellness coaching sessions per year, aimed at optimising your health and preventing chronic illness before it starts.

The WeCovr Advantage: Navigating Your Health Insurance Options

Choosing the right private medical insurance can feel overwhelming. The market is filled with different providers, policies, and levels of cover. This is where an independent, expert broker is invaluable.

At WeCovr, we are an FCA-authorised broker dedicated to helping you find the best PMI provider for your specific needs and budget. Our service is completely free to you.

  • Expert, Unbiased Advice: We compare policies from across the market, explaining the fine print and helping you understand the crucial differences in diagnostic limits, outpatient cover, and wellness benefits.
  • High Customer Satisfaction: Our clients consistently rate our service highly, valuing our clear, professional, and supportive approach.
  • Value-Added Benefits: When you arrange your policy through WeCovr, you get more than just insurance.
    • Complimentary CalorieHero App: You'll receive free access to our proprietary AI-powered calorie and nutrition tracking app, CalorieHero. It's the perfect tool to help you implement your new personalised dietary plan.
    • Exclusive Discounts: Customers who purchase PMI or life insurance through us are eligible for discounts on other types of cover, helping you protect your family's entire financial future.

The Critical Distinction: Acute vs. Chronic Conditions in UK PMI

It is absolutely vital to understand what private medical insurance is designed for. This clarity helps manage expectations and ensures you get the most value from your policy.

Crucial Information: Standard UK private medical insurance is designed to cover the diagnosis and treatment of new, acute conditions that arise after your policy begins. It does not cover pre-existing or chronic conditions.

  • Acute Condition: A disease or injury that is short-term, sudden in onset, and expected to respond to treatment. For example, investigating the new onset of severe fatigue or digestive issues is investigating a potential acute condition.
  • Chronic Condition: A condition that is long-term (lasting 6 months or more), requires ongoing management, and often has no known cure. Examples include diabetes, Crohn's disease, asthma, and high blood pressure.
  • Pre-existing Condition: Any illness, injury, or symptom for which you have sought advice, diagnosis, or treatment before your policy start date.

How does this relate to nutrition? While PMI won't cover the long-term management of a diagnosed chronic condition, it is your pathway to discovering the problem in the first place. The investigation of new symptoms (like fatigue, hair loss, brain fog) is considered an acute medical phase. The consultations, blood tests, and scans needed to find the cause are precisely what PMI is for. If those tests reveal a deficiency, the initial treatment to correct it would typically be covered.

Beyond Nutrition: A Holistic Approach to Foundational Vitality

True health is a symphony of interconnected factors. While nutrition is the foundation, other pillars are essential for building lasting vitality and longevity.

  • Sleep: Prioritising 7-9 hours of quality sleep per night is non-negotiable. Poor sleep disrupts hormones like ghrelin and leptin, increasing cravings for sugary, high-carbohydrate foods and undermining even the best dietary efforts.
  • Movement: Regular physical activity, from brisk walking to strength training, improves insulin sensitivity, making your body more efficient at using nutrients. It also reduces stress, boosts mood, and supports deep, restorative sleep.
  • Stress Management: Chronic stress floods your body with cortisol, a hormone that can deplete key nutrients (like magnesium and B vitamins), disrupt gut health, and drive inflammation. Incorporating practices like mindfulness, meditation, or simply spending time in nature is essential.
  • Healthy Travel: Being away from home can disrupt routines. Plan ahead by packing healthy snacks, researching restaurants with nutritious options at your destination, and using a tracking app like CalorieHero to stay mindful of your intake. Stay hydrated on flights and try to adjust to the local time zone as quickly as possible to minimise jet lag.

Comparing UK PMI Providers: What to Look For

When searching for the best PMI provider, it's easy to get lost in the details. A broker like WeCovr can guide you, but here are the key features to consider, especially in the context of preventative health.

FeatureWhat to Look ForWhy It's Important for Nutritional Health
Outpatient CoverA high or unlimited annual limit.This covers your initial consultations with specialists and dietitians, which are crucial for diagnosis and planning.
Diagnostic CoverComprehensive cover for tests, scans, and blood work with no "per-test" limits.Essential for funding the advanced micronutrient panels needed to uncover the root cause of your symptoms.
Therapies CoverSpecific inclusion of dietitians and nutritionists.Ensures the cost of your personalised dietary intervention sessions is covered following a specialist referral.
Wellness BenefitsAccess to health apps, gym discounts, and digital GP services.These added perks support your new healthy lifestyle and make managing your health easier and more affordable.
Mental Health SupportCover for therapy or counselling.The link between mental and physical health is strong. Addressing stress and anxiety is key to improving nutritional choices and overall wellbeing.

Does private medical insurance cover nutritionist appointments?

Generally, yes. Most comprehensive UK private medical insurance policies will cover appointments with a registered dietitian or nutritionist, provided you have been referred by your GP or a specialist for a medical reason. The number of sessions is usually subject to the outpatient limits of your specific policy. An expert PMI broker can help you find a policy with generous cover for therapies.

Will PMI cover blood tests for vitamin deficiencies?

Yes, private health cover is designed to pay for the investigation and diagnosis of new medical symptoms. If you develop symptoms like persistent fatigue, brain fog, or hair loss after your policy starts, your PMI will cover the cost of specialist consultations and the diagnostic blood tests they recommend to find the cause, which would include detailed vitamin and mineral panels.

I've felt tired for years but never seen a doctor. Is this a pre-existing condition?

This is a grey area where underwriting methods matter. Under 'Moratorium' underwriting, if you have been symptom-free and treatment-free for that fatigue for a set period (usually two years after your policy starts), it may become eligible for cover. Under 'Full Medical Underwriting', you would declare the fatigue, and the insurer would likely place an exclusion on it. However, if the fatigue significantly worsens or new related symptoms appear, you may be able to claim for investigation. It is crucial to discuss your history honestly with a broker to understand how it would be treated.

What is the difference between moratorium and full medical underwriting?

'Full Medical Underwriting' (FMU) requires you to disclose your full medical history upfront. The insurer then decides what to cover and may apply specific exclusions to pre-existing conditions. 'Moratorium' (MORI) underwriting is simpler; you don't declare your history, but the policy automatically excludes any condition you've had symptoms of or treatment for in the last five years. These conditions may become eligible for cover after you have been on the policy for two continuous years without any symptoms, treatment or advice for them.

Don't let a silent nutritional deficiency rob you of your energy, clarity, and future health. The path to optimising your vitality begins with understanding your unique biology, and the right private health cover is your key to unlocking those insights.

Take the first step today. Contact WeCovr for a free, no-obligation quote and let our experts help you compare private medical insurance UK plans to find the perfect cover for your peace of mind and long-term wellbeing.

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

UK Nutrient Crisis Half of Britons Deficient £35m Health Burden
UK Nutrient Crisis Half of Britons Deficient £35m Health Burden
Read more →
UK Vitamin D Crisis Half of Britons Deficient £35m Burden
UK Vitamin D Crisis Half of Britons Deficient £35m Burden
Read more →
UK Vitamin D Crisis Half of Britons Deficient £4m Burden
UK Vitamin D Crisis Half of Britons Deficient £4m Burden
Read more →
UK Burnout Crisis Half of Britons Face £45m Burden
UK Burnout Crisis Half of Britons Face £45m Burden
Read more →
UK Burnout Crisis Half of Britons Face £4m Lifetime Burden
UK Burnout Crisis Half of Britons Face £4m Lifetime Burden
Read more →
UK Magnesium Crisis Over Half Deficient £37m Burden
UK Magnesium Crisis Over Half Deficient £37m Burden
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!