WeCovr.

Login

UK Sedentary Work Crisis

UK Sedentary Work Crisis 2026 | Top Insurance Guides

As an FCA-authorised expert with over 900,000 policies arranged, WeCovr helps you navigate the complexities of private medical insurance in the UK. This article explores the growing health crisis linked to sedentary work and how the right health cover can protect your future, health, and finances.

UK 2025 Shock New Data Reveals Over 7 in 10 Working Britons Face a Silent Health Crisis from Sedentary Work, Fueling a Staggering £3.6 Million+ Lifetime Burden of Chronic Pain, Metabolic Disease, Lost Productivity & Eroding Healthspan – Your PMI Pathway to Proactive Health Screening, Ergonomic Support & LCIIP Shielding Your Productive Future

The way we work has fundamentally changed. The hum of the office has been replaced by the quiet tap of keyboards in home offices and co-working spaces. While this offers flexibility, it has quietly ushered in a national health emergency. Fresh analysis for 2025, based on data from the Office for National Statistics (ONS) and health bodies, reveals a stark reality: over 70% of the UK's working population is now engaged in predominantly sedentary roles. That's more than 24 million people at risk.

This isn't just about occasional backache. It's a creeping crisis fuelling a lifetime of health problems. The staggering £3.6 million+ figure isn't hyperbole; it represents the potential lifetime financial burden for a high-earning individual derailed by chronic conditions. This includes lost earnings, private treatment costs, home modifications, and care expenses. For the UK economy, the cost of lost productivity due to work-related ill-health, much of it musculoskeletal, already runs into billions of pounds annually, according to the Health and Safety Executive (HSE).

This silent epidemic of sitting is eroding our healthspan—the years we live in good health. But there is a powerful defence. Private Medical Insurance (PMI) is evolving from a reactive safety net into a proactive health partner, offering a vital shield against the long-term consequences of a desk-bound life.

The Anatomy of a Crisis: How Sitting Sabotages Your Health

The phrase "sitting is the new smoking" might sound dramatic, but the science behind it is robust. Our bodies are designed for movement. Prolonged sitting disrupts our fundamental physiological processes, leading to a cascade of negative health outcomes.

1. Musculoskeletal Mayhem: This is often the first and most obvious symptom. The HSE reports that work-related musculoskeletal disorders are a leading cause of sickness absence in Great Britain.

  • Chronic Lower Back Pain: Sitting places immense pressure on the spinal discs, particularly in the lumbar region. Poor posture, common in makeshift home offices, exacerbates this.
  • "Tech Neck": Constantly looking down at laptops or phones strains the cervical spine, leading to neck pain, shoulder tension, and headaches.
  • Repetitive Strain Injury (RSI): Hours of typing and mouse use can lead to painful conditions in the wrists, hands, and forearms, such as carpal tunnel syndrome.

2. Metabolic Meltdown: When you sit for long periods, your body's metabolism slows right down.

  • Increased Risk of Type 2 Diabetes: Sedentary behaviour impairs the body's ability to regulate blood sugar levels, a key risk factor for developing Type 2 diabetes. NHS data consistently links physical inactivity to a higher prevalence of the condition.
  • Cardiovascular Disease: Lack of movement contributes to higher blood pressure, elevated cholesterol, and an increased risk of heart disease and stroke.
  • Weight Gain and Obesity: Burning fewer calories while sitting, combined with metabolic slowdown, is a direct route to unwanted weight gain.

3. The Hidden Mental Health Toll: The impact isn't just physical. A sedentary work life is strongly linked to poorer mental wellbeing.

  • Anxiety and Depression: Physical activity is a proven mood booster. A lack of it, combined with work stress and social isolation (for remote workers), can create a perfect storm for mental health issues.
  • Brain Fog and Reduced Focus: Movement increases blood flow to the brain, enhancing cognitive function. Being stuck in a chair can lead to feelings of lethargy and difficulty concentrating.

Healthspan vs. Lifespan: The Real Cost Medical science has extended our lifespan—the total number of years we live. However, the UK is seeing a worrying trend where our healthspan—the number of years we live in good, active health—is not keeping pace. The result is that many people are living their later years with debilitating chronic conditions, many of which are preventable and linked to lifestyle factors like inactivity.

The Economic Shockwave: How Sedentary Work Hits Your Wallet and UK Plc

The health crisis is also a profound economic one, impacting individuals, businesses, and the NHS.

For Individuals: The potential lifetime cost of £3.6 million is a calculation of a worst-case scenario for a skilled professional.

Cost ComponentEstimated Lifetime Impact (Example)Description
Lost Earnings£2,500,000+A 40-year-old earning £80k/year forced into early retirement or part-time work due to chronic pain, losing 25+ years of peak earnings.
Private Healthcare£300,000+Costs for specialist consultations, surgery, ongoing physiotherapy, and pain management not covered by an existing policy or the NHS.
Productivity Loss£200,000+The cumulative financial impact of "presenteeism" (working while unwell and being less effective) over a career.
Care & Modifications£100,000+Costs for home adjustments (stairlifts, accessible bathrooms) and potential long-term care needs.
Wellness & Management£50,000+Lifetime costs of gym memberships, specialist equipment, dietary support, and other out-of-pocket health expenses.

For Businesses: The impact on UK businesses is immediate and immense.

  • Absenteeism: Days lost to sickness, particularly for back, neck, and stress-related issues, directly impact team capacity and project deadlines.
  • Presenteeism: Arguably more costly, this is when employees are physically at work but mentally checked out or physically struggling, leading to errors, missed opportunities, and lower output. Research suggests this can cost businesses up to three times more than absenteeism.
  • Talent Drain: Losing experienced, valuable employees to long-term sick leave or early retirement is a huge blow to any organisation's institutional knowledge and capability.

Your Proactive Defence: How Private Medical Insurance Shields Your Future

While you can't always change the nature of your job, you can change how you protect yourself from its risks. Modern private medical insurance in the UK is a powerful tool for proactive health management.

Crucial Point: It is vital to understand that standard UK private health cover is designed for new (acute) conditions that arise after your policy begins. It does not cover pre-existing conditions (ailments you've had symptoms of, or sought advice for, in the years before taking out a policy) or chronic conditions (long-term illnesses that can be managed but not cured, like diabetes or chronic arthritis).

However, PMI is your best defence for tackling the acute problems caused by sedentary work before they become chronic.

Key PMI Benefits for the Modern Worker

  1. Speedy Diagnostics:

    • The Problem: You develop persistent back pain. The NHS waiting list for an MRI scan to find the cause could be months long.
    • The PMI Solution: With PMI, you can see a GP, get a specialist referral, and have that MRI scan often within days or weeks. This speed is critical for getting an accurate diagnosis and starting the right treatment fast.

  2. Prompt Access to Therapies:

    • The Problem: Your "tech neck" is becoming unbearable. You might get a limited number of physiotherapy sessions on the NHS after a long wait.
    • The PMI Solution: Most comprehensive PMI policies include a generous allowance for therapies like physiotherapy, osteopathy, and chiropractic care. You can start treatment immediately, alleviating pain and preventing the issue from becoming a long-term, chronic problem.

  3. Choice of Specialist and Hospital:

    • The Problem: You need to see an orthopaedic consultant. On the NHS, you have limited choice over who you see and where.
    • The PMI Solution: Private health cover gives you access to a nationwide network of leading specialists and high-quality private hospitals, allowing you to choose a time and place that suits your life and work.

  4. Integrated Mental Health Support:

    • The Problem: Work stress and burnout are affecting your mental health. Accessing talking therapies like CBT on the NHS can involve significant waiting times.
    • The PMI Solution: Leading insurers now provide excellent mental health pathways, offering direct access to counsellors and therapists, often without needing a GP referral first. This can be a lifeline for managing the psychological pressures of the modern workplace.

  5. Proactive Wellness and Screening:

    • The Problem: You feel fine, but you're aware of the risks. You want to stay ahead of any potential issues.
    • The PMI Solution: Many policies now include benefits designed to keep you healthy, such as:
      • Health Screenings: Comprehensive checks to assess your cardiovascular health, diabetes risk, and more.
      • Wellness Apps & Discounts: Access to gym memberships, online fitness classes, and health-tracking apps. At WeCovr, we provide complimentary access to our AI-powered CalorieHero app to all our health and life insurance clients, helping you manage your nutrition effortlessly.

Choosing the Right PMI Policy: A Guided Approach

Navigating the private medical insurance UK market can be daunting. As an expert PMI broker, WeCovr simplifies this process at no cost to you. Here’s what to consider:

FeatureWhat It MeansWhy It Matters for Sedentary Workers
Outpatient CoverCovers consultations and diagnostics that don't require a hospital bed.Crucial for getting fast diagnoses (scans) and seeing specialists for issues like back pain or RSI.
Therapies CoverPays for treatments like physiotherapy, osteopathy, and chiropractic care.Essential for treating musculoskeletal problems promptly and effectively. Check the limits.
Mental Health CoverProvides access to counselling, therapy, and psychiatric support.A vital safety net for managing work-related stress, anxiety, and burnout.
Underwriting TypeHow the insurer assesses your medical history (e.g., Moratorium or Full Medical).Affects what is covered. A broker can explain the best option for your circumstances.
ExcessThe amount you agree to pay towards any claim.A higher excess will lower your monthly premium, but you'll pay more if you claim.
Hospital ListThe list of private hospitals you can use.Ensure it includes high-quality facilities that are convenient for you.

What is LCIIP? A Lower-Cost Alternative

For those on a tighter budget or who are happy to use the NHS for most treatments, a Limited Cash for In-Patient Treatment (LCIIP) plan is an interesting option.

  • How it works: Instead of paying for private treatment, this policy pays you a fixed cash sum for each night you spend as an in-patient in an NHS hospital.
  • Who it's for: It can be a good entry-level choice for younger, healthier individuals who want a financial cushion in case of a serious illness or accident requiring hospitalisation, without the cost of full PMI.

Practical Tips to Counteract the Sedentary Crisis Today

Insurance is one part of the solution. Proactive daily habits are the other.

  • Move Every 30 Minutes: Set a timer. Stand up, stretch, walk to get a glass of water, or do a few squats. This simple act reignites your metabolism.
  • Optimise Your Workspace:
    • Screen: Your monitor should be at eye level to prevent neck strain.
    • Chair: Use an adjustable ergonomic chair that supports the natural curve of your lower back.
    • Keyboard: Position it so your elbows are at a 90-degree angle.
  • Embrace "Movement Snacking": Can't fit in a full workout? Do "snacks" of movement. Take the stairs, do calf raises while waiting for the kettle, or have "walking meetings" if you're on a call.
  • Hydrate and Fuel Properly: Dehydration can mimic feelings of fatigue. Drink plenty of water. Prioritise protein and vegetables over sugary snacks that cause energy crashes. Use an app like CalorieHero to stay on track.
  • Protect Your Sleep: Aim for 7-9 hours of quality sleep. It's when your body repairs muscle tissue, consolidates memory, and regulates hormones crucial for health and mood.

The sedentary work crisis is real, but it doesn't have to define your future. By understanding the risks, taking proactive daily steps, and securing a robust health insurance safety net, you can protect your most valuable assets: your health, your wellbeing, and your ability to lead a long, productive, and fulfilling life.

A PMI broker like WeCovr can be your most valuable ally, comparing policies from the best PMI providers to find cover that fits your needs and budget, giving you peace of mind and control over your health journey. And when you purchase PMI or life insurance through us, we offer discounts on other types of cover, adding even more value.

Does private medical insurance cover conditions I already have from my desk job?

Generally, no. UK private medical insurance is designed to cover new, acute conditions that develop after your policy has started. It does not cover pre-existing conditions (those you have sought advice or treatment for in the past, typically the last 5 years) or chronic conditions that require ongoing management rather than a cure. This is why it's so important to get cover in place *before* a health issue becomes long-term.

How can PMI help with something like acute back pain from sitting?

PMI is extremely effective for acute back pain. It allows you to bypass long NHS waiting lists for diagnostic scans like an MRI or CT scan. This means you can get a swift and accurate diagnosis. From there, your policy can cover prompt specialist consultations with an orthopaedic surgeon or rheumatologist and, crucially, provide access to a course of treatment like physiotherapy or osteopathy to resolve the issue before it becomes chronic.

Is it worth getting private health cover if my employer doesn't offer it?

Absolutely. While an employer scheme is a great perk, an individual policy gives you complete control and choice. It protects your health, your ability to work, and your finances from the disruption of unexpected illness. An independent broker like WeCovr can search the entire market to find affordable, high-quality options from leading UK providers, ensuring you get the best possible cover for your personal circumstances and budget.

What is the difference between private medical insurance (PMI) and a health cash plan?

They serve different purposes. PMI is comprehensive cover designed to pay for major medical treatments, including surgery, specialist consultations, and hospital stays for acute conditions, often costing thousands of pounds. A health cash plan, on the other hand, is a lower-cost option that helps you budget for routine healthcare expenses. It pays a fixed amount back to you for things like dental check-ups, eye tests, prescriptions, and a limited number of therapy sessions.

Ready to build your shield against the sedentary work crisis? Take the first step towards protecting your health and productivity.

Get your free, no-obligation PMI quote from WeCovr today.

Get Quote

Related guides

UK Sedentary Crisis Work From Home Risks
UK Sedentary Crisis Work From Home Risks
Read more →
UK Sedentary Crisis Work & Health
UK Sedentary Crisis Work & Health
Read more →
UK Sedentary Shock Work From Home Health Crisis
UK Sedentary Shock Work From Home Health Crisis
Read more →
UK Sedentary Work Crisis 2 in 5 Face Health & Financial Ruin
UK Sedentary Work Crisis 2 in 5 Face Health & Financial Ruin
Read more →
UK Sedentary Work Crisis
UK Sedentary Work Crisis
Read more →
UK's Sedentary Work Crisis
UK's Sedentary Work Crisis
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 FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced insurance experts who are passionate about advising people on financial matters related to private medical insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable private medical insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.

Insurance Products

Resources

Legal

© 2026 WeCovr. Made with in London