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A Comparative Look at UK Private Medical Insurance Policies

Choosing the right private medical insurance (PMI) policy can feel like navigating a dense maze of terms and conditions. This report aims to provide a clear and accessible comparison of several policy documents from prominent UK insurers, shedding light on key aspects to consider when making this important decision. By examining how different providers approach similar scenarios, we hope to empower you with the knowledge needed to select a policy that best suits your individual healthcare needs and preferences.
It is crucial to remember that this report is based on the policy documents in force at the time of writing, and the specific details of your chosen cover will be outlined in your individual membership certificate and benefit schedule. Always refer to these personalised documents for the most accurate information.
When embarking on the journey of selecting a private medical insurance policy, it is essential to recognise that there is no one-size-fits-all solution. The "best" policy will invariably depend on an individual's specific healthcare needs, budget, lifestyle, and preferences.
This is precisely where the expertise of specialist brokers like WeCovr proves invaluable. If in doubt or need personalised guidance, WeCovr is ready to help at no extra cost – from answering initial queries to getting you set up with an ideal plan. Here’s to your health and peace of mind in 2025 and beyond! Ultimately, the “best” health insurance comes down to individual circumstances and preferences. We hope this in-depth article has armed you with the information needed to make an informed decision.
Whether you choose one or another provider, the key is that you and your loved ones get the timely care you deserve, and that the policy you invest in truly meets your needs.

Getting in Touch with Your Insurer

Ease of contact is a significant factor when managing your health insurance. Different insurers offer various channels for communication:
  • WPA: Provides multiple avenues, including a dedicated health app for claims, a website with online account management and live chat, a telephone helpline, email, and postal address [1, 2]. They also explicitly state their willingness to provide documents in alternative formats upon request [1].
  • Bupa: Similarly to other insurers,requires contact before any consultations, tests, or treatment to check cover [3]. They offer a telephone number (mentioned within the context of third-party claims [4]), and mention a website for further information on referrals [5] and Direct Access [6]. Email communication is also used, particularly for sensitive information via a secure service [4].
  • Freedom Health Insurance: Highlights a claims helpline as the primary point of contact for pre-authorisation [7]. Their website offers additional information and an online portal for certain claims [8, 9].
  • General & Medical: Emphasises direct client service via telephone and email [10]. Written correspondence (letter or email) is their preferred method [10].
  • AXA PPP healthcare (Health For You & Personal Health): Offers telephone helplines for general queries and claims, a 24-hour medical help line, and online account management [11, 12]. They recommend calling for urgent claims [12, 13].
  • Aviva: Provides a customer service helpline and directs members to their website for network information and fee schedules [14-16]. They note that calls may be monitored and/or recorded [14, 16].
  • Vitality: Focuses on digital communication, using email as the primary contact method [17]. They offer a Member Zone online for claims and information, a health app with a GP service, and a telephone number for contact [17, 18]. Paper copies of documents are generally not sent unless specifically requested [17].
  • National Friendly: Primarily uses a telephone number for contact and provides an email address for sending information or documentation [19, 20]. A postal address for claims is also provided [19]. They also offer a virtual GP service via a separate phone number [19].
InsurerPhoneWebsite/AppEmailPostOther
WPAYes [2]Yes (app & web) [1]Yes [2]Yes [2]Live Chat [1]
BupaYes [4]Yes [5, 6]Yes [4]No explicit
Freedom HealthYes [7]Yes (web & portal) [8, 9]No explicitYes [9]
General & MedicalYes [21]Yes (website) [22]Yes [10]Yes [23]
AXA PPP (Health For You)Yes [11, 12]Yes (app & online account) [12]No explicitNo explicit24/7 Medical help [11]
AXA PPP (Personal Health)Yes [11, 13]Yes (online account) [11]No explicitNo explicit24/7 Medical help [11]
AvivaYes [14, 16]Yes [15, 16]No explicitNo explicit
VitalityYes [18]Yes (app & web) [17, 18]Yes [17]Yes [17]
National FriendlyYes [19, 20]No explicitYes [19]Yes [19]Virtual GP [19]

Navigating the Claims Process

It is imperative to familiarise yourself with the specific claims process of your chosen insurer to ensure a smooth and timely experience when seeking treatment. Specialist brokers like WeCovr can guide you through the claims procedures of different providers and offer support if any issues arise.
Understanding how to make a claim is paramount. Most insurers emphasise the importance of a GP referral and contacting them before seeking treatment to obtain pre-authorisation:
  • WPA: Clearly states that you must contact them in advance to authorise your claim (pre-authorisation) via their app, website, or phone [24]. Failure to do so may result in the claim not being paid [25]. They will then typically settle bills directly with the treatment provider [25]. For cash benefits (like NHS Hospital Cash Benefit), a claim form and supporting documentation (e.g., discharge summary, appointment letter, invoices) may be required [26, 27].
  • Bupa: Emphasises the need to always get in touch before consultations, tests, or treatment to check cover [3] and obtain pre-authorisation [28]. Not obtaining pre-authorisation may lead to the member being responsible for the costs [29]. They will provide a pre-authorisation number to give to the treatment provider [30]. For cash benefits or add-ons, direct contact is also required to understand the specific claim process [5].
  • Freedom Health Insurance: Mandates pre-authorisation for all claims before treatment starts [31]. If additional costs are incurred due to a lack of pre-authorisation, they will not be paid [31]. They prefer to settle invoices directly but require original, itemised invoices for reimbursements [9, 32]. NHS cash benefit claims do not require pre-authorisation [32].
  • General & Medical: States that when making a claim for certain types of cover, they may require medical reports or notes to assess the claim [33].
  • AXA PPP healthcare (Health For You & Personal Health): Requires contact before arranging any treatment [12, 13]. They will confirm if the treatment is covered [34, 35] and usually settle bills directly [36, 37]. They may request further information from the GP or specialist [12, 13]. For some cash benefits (e.g., external prosthesis), a call is required to understand the claiming process [38, 39].
  • Aviva: Claims will only be paid for treatment received by a person who is a member at the time of treatment [40]. Many hospitals have direct billing arrangements, but for outpatient treatment or some hospitals, the member may need to pay and then claim reimbursement [41]. Supporting documents for claims may incur expenses for the member [41].
  • Vitality: Similarly to other insurers, requires contacting them to obtain authorisation before starting treatment [42]. This can be done online or by phone [42]. They may require a claim form in some instances [43]. For already paid treatment, a receipted invoice is needed for reimbursement [44]. Invoices should generally be submitted within six months of treatment [44, 45].
  • National Friendly: Requires authorisation for treatment by their claims team [46]. With their Guided treatment option, the claims team will arrange the treatment [47, 48]. They aim to deal with the treatment provider directly, often requiring medical consent [49].

The Role of GP Referrals

A referral from a General Practitioner (GP) is often a crucial first step in accessing private medical treatment. This can be from you NHS GP or you 24/7 remote GP:
  • WPA: Benefits are available for eligible treatment when referred by your GP to a recognised specialist [50].
  • Bupa: Generally requires a referral from a digital GP, your own GP, or via their Direct Access service for certain conditions [51, 52]. They often prefer an "open referral" where the GP recommends the type of specialist rather than a specific name [6, 51]. For children under 18, a named referral for a paediatric consultant is usually needed [28, 29].
  • Freedom Health Insurance: Unless stated otherwise, cover generally requires a GP referral before starting treatment [31]. They also expect the policyholder to be registered with a UK GP with easy access to their medical records [31].
  • General & Medical: For certain types of cover, a GP referral may be necessary before starting treatment [68 - referenced from Freedom, likely a typo in my processing]. The source does not explicitly detail GP referral requirements within the excerpts provided.
  • AXA PPP healthcare (Health For You & Personal Health): Accepts referrals from a GP at your practice or through their AXA Doctor at Hand service, often preferring an open referral to help find an appropriate specialist [53, 54].
  • Aviva: Often requires an "open referral" from the GP, allowing them to guide the member to a network facility if one exists for their condition [15]. They will only accept a named referral if they agree there is a medical need [55-57].
  • Vitality: Requires a GP referral to obtain authorisation for a claim [42]. With their Consultant Select option, they request an open referral so they can arrange a referral to a consultant on their panel [42]. Their Vitality GP service or a private GP on their panel can also provide referrals [58].
  • National Friendly: When choosing their Guided treatment option, an open referral from the GP is required, which is then shared with their claims team to arrange treatment [47, 48]. For their standard or extended hospital options, a GP referral is also needed, followed by authorisation [48].

Hospital Lists and Networks

Many PMI policies operate with a list of approved hospitals or networks of healthcare providers:
  • WPA: Refers to a "list of recognised hospitals" [59]. They reserve the right to withdraw or amend this list at any time [60].
  • Bupa: Mentions consultants, healthcare professionals, hospitals, or clinics covered by the policy [30]. They advise using their online "finder" tool to check paediatric services and recommend contacting them to confirm cover at specific facilities [29]. They also refer to "recognised facilities" for diagnostic tests [61] and treatment at home [62]. Consultants within their "open-referral network" are relevant for members with the guided care option [28, 63].
  • Freedom Health Insurance: Has a "hospital list" which is subject to change without notice [64]. The certificate of insurance will indicate the applicable hospital cover [64].
  • General & Medical: Publishes a "Hospital list" of participating hospitals that may change [65]. Members are advised to check with them before admission to a listed hospital [65].
  • AXA PPP healthcare (Health For You & Personal Health): Emphasises using hospitals or day-patient units within their "hospital list" (Health For You [66, 67]) or "Directory of Hospitals" (Personal Health [68, 69]) for full cover. Extended cover options may provide access to facilities outside this directory [70]. Some treatments are only available in specific listed facilities [69, 71].
  • Aviva: Utilises "hospital lists" and "networks" [15, 55, 72]. For conditions where they have a network, members with a hospital list can choose to use a network facility or a hospital on their list. Members with their "Expert Select" option will always be guided to a network facility if available [15]. Treatment at hospitals or with specialists not agreed upon by Aviva will not be covered [55].
  • Vitality: Offers "hospital list options," stating that treatment is generally covered in full only at hospitals on the chosen list [73, 74]. Attending a hospital not on the list may incur a significant cost (40% of treatment costs) [73, 74]. Their "Consultant Select" option involves them arranging a consultant on their panel, who will then choose the hospital [75].
  • National Friendly: Offers different levels of cover with varying hospital access (Guided treatment, Standard hospital options, Extended hospital options) [48, 76]. Their claims team will utilise their network of consultants and hospitals [47].
The importance of understanding the hospital access rules of your policy cannot be overstated. Using a hospital or specialist outside of the policy's network or coverage level can lead to significant out-of-pocket expenses. Specialist brokers like WeCovr can guide you through the hospital networks associated with different policies and help you choose one that provides access to facilities convenient and suitable for your needs.

Scope of Cover: What's Included

The breadth of coverage varies between policies. Here are some common areas:
  • In-patient and Day-patient Treatment: Generally a core benefit, covering hospital accommodation,Surgeon and anaesthetist fees, nursing care, and treatment costs within approved facilities [12, 47, 93, 124, 162, etc.].
  • Out-patient Treatment: With most insurers, this is modular. Covers consultations, diagnostic tests, and therapies without requiring a hospital stay [96, 126, 138, 163, etc.]. Some policies may have limits on outpatient benefits [5].
  • Mental Health: Increasingly recognised as a crucial aspect of healthcare. Coverage can include as part of the core cover access to helplines, additional benefit option for outpatient psychology or psychiatric treatment, and inpatient care [5, 47, 183, etc.]. Some policies offer Direct Access services for mental health concerns [52].
  • Cancer Care: Often has specific sections outlining coverage for diagnosis, treatment (including chemotherapy, radiotherapy, and surgery), and sometimes support services [12, 95, 109, 143, 167, etc.]. Some policies offer different levels of cancer cover [77].
  • Diagnostic Tests (CT, MRI, PET Scans): Usually covered when deemed medically necessary and referred by a specialist [96, 124, 139, 163, etc.]. Restrictions may apply based on the facility [68].
  • Therapies (Physiotherapy, Osteopathy, etc.): Sometimes included with restricted sessions, if upgraded as a paid option a GP or specialist referral is required [96, 107, 139, 163, etc.].
  • NHS Hospital Cash Benefit: Some policies offer a cash benefit if you opt for NHS treatment instead of private [32, 78]. Claims for this usually require proof of NHS treatment (e.g., discharge summary) [9, 26].

What's Typically Not Covered (Exclusions)

All policies have exclusions, which are essential to understand:
  • Emergency or Unplanned Admissions: Always excluded from private hospitals in the UK, with the NHS being recommended and best equipped for emergencies [24, 78]. However, overseas emergency treatment may be an optional extra [24, 27].
  • Pre-existing Conditions: Generally not covered, particularly conditions you had before joining the policy [79, 80]. Some insurers may offer different underwriting terms [79] or review exclusions after a certain period [81].
  • Routine Dental and Optical Costs: Often excluded unless specifically included as a benefit or add-on [9]. Some policies may offer a dental allowance [5].
  • Pregnancy and Childbirth: Standard treatment related to pregnancy and childbirth is frequently excluded [82]. However, some policies may cover specific complications [82] or offer a childbirth cash benefit [83].
  • Cosmetic Surgery: Typically not covered unless it's reconstructive following eligible treatment [84].
  • Treatment for Sight Correction (e.g., laser surgery) and Glasses/Contact Lenses: Usually excluded [38, 39, 85].
  • Unproven or Experimental Treatments: Coverage is generally restricted, and prior notification may be required [86-89]. Some policies may limit the amount paid for unproven treatments [86].
  • Treatment Received Outside the UK: Generally not covered unless an overseas emergency treatment optional extra is included [27, 90, 91]. Residency in the UK is usually a requirement for the policyholder and covered individuals [77, 198, 206, etc.].
When considering core coverage, it is vital to carefully examine the certificate of insurance or policy schedule to understand exactly what is included in your specific plan. Specialist brokers like WeCovr can assist in navigating these different core offerings and helping you determine which aligns best with your needs.

When considering optional extras, it is crucial to weigh the additional cost against the potential benefits based on your individual healthcare needs and risk tolerance. Specialist brokers like WeCovr can provide valuable insights into the different optional extras available and help you determine which ones are most appropriate for your circumstances.

Important Policy Details

Beyond the core coverage, several other aspects are worth noting:
  • Adding Family Members: Most policies allow adding family members, sometimes with specific conditions (e.g., living at the same address, age limits, medical history declaration) [92-97]. Newborn babies may have specific enrollment windows without needing medical evidence [92, 93, 97].
  • Underwriting: Different types of underwriting (e.g., Full Medical Underwriting) determine how pre-existing conditions are handled [79].
  • Access to Medical Records: Insurers often require access to medical records to assess claims, usually with the policyholder's consent [33, 98-103]. Policyholders have rights under the Access to Medical Reports Act [98, 103-105]. Some insurers may reimburse the cost of providing these records in certain circumstances [106].
  • Data Protection and Privacy: Insurers are obligated to comply with data protection laws [80, 115, 150, 199, etc.]. They outline how personal and medical information is collected, used, and shared [23, 56, 71, 80, 116, 151, 199, etc.], often detailing with whom information may be shared (e.g., treatment providers, third-party administrators, fraud prevention agencies) [107-113]. Importantly, some insurers explicitly state they do not share information for marketing purposes [114-116].
  • Financial Crime and Fraud: Insurers actively work to detect and prevent fraud and financial crime, including sharing information with fraud prevention agencies [110, 112-114, 114, 115, 117]. Providing false or misleading information can lead to policy cancellation and refusal of claims [118, 119].
  • Subrogation and Third-Party Claims: If your treatment is needed due to the fault of a third party (e.g., a car accident), you are typically required to inform your insurer [4, 40, 120-123]. The insurer may then seek to recover the costs they have paid from the responsible party [4, 40, 120, 121, 123-125]. Policyholders are expected to cooperate in such efforts [4, 120, 123-127].
  • Complaints: All insurers have processes for handling complaints [128]. Contact details for complaints departments are usually provided.
Should you have any questions or require assistance with your health insurance, the contact details provided by your insurer are your primary resource. Additionally, specialist brokers like WeCovr can act as a valuable intermediary, providing guidance and support throughout your policy term. The Invaluable Role of Specialist Brokers Like WeCovr.
Navigating the complexities of private medical insurance can be a daunting task for many individuals. This is where the expertise and personalised service offered by specialist brokers like WeCovr truly shine. WeCovr acts as an independent advisor, taking the time to understand your unique healthcare needs, budget constraints, and preferences. Armed with this understanding, WeCovr can guide you through the multitude of policy options available from various insurers, including WPA, Bupa, Freedom Health Insurance, General & Medical, AXA PPP healthcare, Vitality, and My PMI.
WeCovr can provide impartial comparisons of different policies, highlighting the key differences in core coverage, optional extras, hospital access, exclusions, and premiums. This ensures that you have all the necessary information to make an informed decision about which policy best suits your individual circumstances. Moreover, WeCovr can clarify any complex aspects of policy wording, underwriting principles, and the claims process, ensuring that you fully understand the terms and conditions of your chosen cover.
Furthermore, WeCovr can assist you with the application process, ensuring that all necessary information is provided accurately and efficiently. Should you have any questions or require support during your policy term, WeCovr remains a valuable point of contact, offering ongoing assistance and advocacy. The best part? WeCovr's expert guidance and support come at no extra cost to you, making them an invaluable partner in securing the right health insurance for your peace of mind and well-being in 2025 and beyond.

In Conclusion

The realm of private medical insurance in the UK offers a diverse range of options, each with its own set of features, benefits, exclusions, and administrative procedures. By carefully reviewing the policy documentation provided by insurers like WPA, Bupa, Freedom Health Insurance, General & Medical, AXA PPP healthcare, Vitality, and Aviva, individuals can gain a deeper understanding of the coverage available and make more informed decisions.
However, the complexity of these policies often necessitates expert guidance. Specialist brokers like WeCovr play a crucial role in demystifying the intricacies of health insurance, providing personalised advice, comparing policy options, and assisting with the application and ongoing support processes – all at no extra cost.
Ultimately, the "best" health insurance comes down to individual circumstances and preferences. We hope this in-depth article has armed you with the information needed to make an informed decision. Whether you choose one or another provider, the key is that you and your loved ones get the timely care you deserve, and that the policy you invest in truly meets your needs.
When navigating this important decision, remember that WeCovr is ready to assist you in finding the ideal health insurance solution for your specific requirements, ensuring your health and peace of mind in the years to come.
This comparative overview highlights the diverse approaches taken by UK private medical insurance providers in structuring their policies. Factors such as ease of contact, the claims process, referral requirements, hospital access, scope of cover, exclusions, and handling of important policy details all contribute to the overall value and suitability of a plan.
We encourage you to carefully consider your individual needs and priorities when reviewing policy documents. Understanding the nuances of each insurer's approach will empower you to make an informed decision and choose a private medical insurance policy that provides you with the peace of mind and access to healthcare you desire. Remember to always consult your specific policy documents for the complete and most accurate information regarding your cover.

Sources and footnotes

WPA - Complete Health Guide: 1 p. 1; 2 p. 2; 3 p. 3; 4 p. 4; 5 p. 5; 6 p. 6; 7 p. 7; 8 p. 8; 9 p. 9; 10 p. 12; 11 p. 16; 12 p. 17; 13 p. 18; 14 p. 22; 15 p. 29;
Bupa - BBY Policy Guide: 16 p. 1; 17 p. 2; 18 p. 3; 19 p. 4; 20 p. 6; 21 p. 7; 22 p. 8; 23 p. 9; 24 p. 14; 25 p. 15; 26 p. 16; 27 p. 17; 28 p. 20; 29 p. 21;
Freedom Health Insurance - Elite Policyholder's Guide: 30 p. 1; 31 p. 3; 32 p. 4; 33 p. 5; 34 p. 8; 35 p. 9; 36 p. 10; 37 p. 12; 38 p. 15;
General & Medical - Individual Terms & Conditions: 39 p. 1; 40 p. 2; 41 p. 4; 42 p. 5; 43 p. 8; 44 p. 15;
AXA - Membership Handbook Health For You: 45 p. 1; 46 p. 3; 47 p. 4; 48 p. 6; 49 p. 7; 50 p. 8; 51 p. 9; 52 p. 10; 53 p. 13; 54 p. 14; 55 p. 15; 56 p. 16; 57 p. 17; 58 p. 18; 59 p. 19; 60 p. 20; 61 p. 21; 62 p. 24; 63 p. 25; 64 p. 31; 65 p. 34; 66 p. 35; 67 p. 36; 68 p. 37; 69 p. 38; 70 p. 39; 71 p. 41; 72 p. 43; 73 p. 44; 74 p. 45; 75 p. 46; 76 p. 47; 77 p. 48; 78 p. 49; 79 p. 50; 80 p. 52; 81 p. 53; 82 p. 55; 83 p. 56; 84 p. 57; 85 p. 59; 86 p. 60; 87 p. 61; 88 p. 64; 89 p. 65; 90 p. 66;
Aviva - Solutions Policy Wording: 91 p. 1; 92 p. 2; 93 p. 3; 94 p. 4; 95 p. 5; 96 p. 7; 97 p. 10; 98 p. 11; 99 p. 12;
Vitality - Policy Terms and Conditions: 100 p. 1; 101 p. 3; 102 p. 4; 103 p. 5; 104 p. 6; 105 p. 7; 106 p. 8; 107 p. 9; 108 p. 10; 109 p. 11; 110 p. 12; 111 p. 13; 112 p. 14; 113 p. 15; 114 p. 16; 115 p. 17; 116 p. 18; 117 p. 19; 118 p. 20; 119 p. 22; 120 p. 23; 121 p. 24;
National Friendly - My PMI Policy Summary: 122 p. 1; 123 p. 2; 124 p. 3; 125 p. 4; 126 p. 5; 127 p. 6; 128 p. 7;
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Benefits offered by private health insurance

Private medical health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You just pay an affordable monthly premium that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

Our mission is to put you in touch with not only the best, but the most suitable private medical health insurance companies. With even more risk on the rise for personal health today, it makes more sense than ever to have private medical health insurance cover.

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👉 We insure our cars, houses, bicycles and even bags! Yet our health is one the most precious things we have.

People buy life, critical illness and private medical health insurance for a variety of reasons – easily one of the most important insurance purchases an individual or family can make in their lifetime. PMI insurance is still seen as a luxury in the UK. Indeed, only around 11% of the population has private medical insurance. However, an increasing number of people are taking out private medical insurance due to a number of reasons:
  • Avoid NHS waiting lists and be treated more quickly
  • Faster diagnosis (comprehensive cover)
  • More access to latest cancer drugs and treatments, some of which may be unavailable on the NHS
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  • Have a private room should you need treatment in hospital
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Any questions?

Do I need Private Medical Insurance if I have Life Insurance?

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.

Are Pre-existing Medical Conditions Covered?

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.

Why Do I Need Private Medical Insurance?

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.

How Much Does It Really Cost?

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.

Isn't NHS Treatment and Coverage Enough?

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.

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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.

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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!

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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.

How Much Is Private Health Insurance?

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.

How Does Private Health Insurance Work?

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.

What Does Health Insurance Cover?

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.

Can I Pay Extra to Have a Pre-existing Condition Covered?

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.

When Will My Health Insurance Policy Start?

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.

Will I Need an Excess on My Private Health Insurance Policy?

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.

How Can I Reduce the Cost of Health Insurance?

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.

Is There an Age Limit for Private Medical Insurance?

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.

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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.

Can I Add Other People Onto My Health Insurance Policy?

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.

Can I Use Health Insurance Abroad?

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.

What is Comprehensive Cover?

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.

Does Health Insurance Cover Dental Treatment?

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.

Does Health Insurance Cover Cancer?

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.

Can I Change My Cover Once I Have Signed Up?

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.

How Quickly Can I Get an Appointment with a Private GP?

Accessing a private GP appointment is fast and convenient with WeCovr's services, available through your digital platform provided under your chosen insurance plan.

Can Each Person on My Policy Have Different Options of Cover?

Yes, family members on the same policy can potentially have different levels of cover tailored to their individual needs.

Are There Different Levels of Cover?

WeCovr works with insurers offering a range of cover levels to accommodate different budgets and needs. Our experts can discuss these options with you.

Where Can I Find Out More About Hospitals or Treatment Providers?

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.

What Does Fee Assured Mean?

Fee-assured consultants provides transparency and no hidden costs for clients.

Does Health Insurance Cover Mental Health?

WeCovr prioritises mental health support with comprehensive coverage and access to specialist advice and services.

Can I Cover My Children as Well?

Children up to a certain age can be included in your policy, and we offer discounts for family coverage.

Will the Cost Go Up Every Year?

Like most health insurance plans, premiums may increase annually due to factors such as age and medical cost inflation.

How Much Does Health Insurance Cost?

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.

What's the Difference Between Health Insurance and NHS?

Private health insurance offers quicker access to consultations, treatments, and personalised care compared to the NHS.

Does Health Insurance Cover Physiotherapy?

Yes, WeCovr's experts can guide you which health insurance plans include coverage for physiotherapy treatments.

Can I Use My Cover Straight Away?

Immediate access to certain services like our digital GP app is available upon enrolment.

How Can I Get a Quote?

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.

What Does Health Insurance Cover and What Can't It Cover?

Health insurance covers new conditions that arise after the policy starts. Pre-existing conditions and certain exclusions may apply.

How Does Health Insurance Work?

WeCovr's experts help you arrange health insurance that simplifies access to private healthcare services, including consultations and treatments.

What is Outpatient Cover?

Outpatient cover includes consultations, physiotherapy, and mental health therapies outside hospital admissions.

Can I Use My Health Insurance Cover Immediately?

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.

Does Health Insurance Cover A&E (Accident and Emergency)?

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.

Are There Any Rewards for Being a PMI Plan Holder?

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.

I'm Leaving My Job and Have Health Insurance with Them, What Do I Do?

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.

How Do I Get a Quote After I've Left My Job?

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.

If I Continue My Health Insurance After I've Left My Job, Will My New Cover Be the Same as Before?

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.

If I Continue My Health Insurance After I Left My Job, Will the Price for My New Cover Be the Same?

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.

How Long Do I Have After Leaving My Job to Decide to Stay with My Insurer?

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.

What Do I Need Before Asking About Continuing My Cover After I've Left My Job?

After leaving your job, contact WeCovr's experts with your leave date to discuss available options.

I've Ongoing Treatment But I'm Leaving My Work Health Insurance Policy, Can I Still Have Treatment?

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.

When And How Do I Pay My Excess?

Details on paying excess fees will be provided when you contact your insurer for treatment authorisation.

Do I Pay an Excess for Using Services Like Digital GP?

No, there is no excess fee for utilising these services.

Can I Change My Excess Partway Through the Year?

Excess adjustments can be made at specific intervals during your policy term.

What is a No Claims Discount?

No claims discounts can impact renewal costs based on claims history.

Can I Pay Extra to Have a Pre-existing Condition Covered?

Pre-existing conditions typically aren't covered but can be discussed with our healthcare specialists.

What is Full Medical Underwriting?

This involves health-related questions before policy enrolment to determine coverage.

What is Moratorium Underwriting?

Moratorium underwriting simplifies enrolment but may require health disclosures during claims.

Will My Claim Take Longer If I Have Moratorium Underwriting?

Claims may require additional information if under moratorium underwriting.

What is a Pre-existing Condition?

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.

Is An Annual Review Of My Health Insurance Necessary?

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.

Are There Age Restrictions For Health Insurance?

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.

Is It More Cost-Effective To Pay For Health Insurance Monthly Or Annually?

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.

Do I Need Private Health Insurance If My Employer Provides Coverage?

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.

Is A Medical Exam Required To Get Coverage?

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.

Do I Need A GP Referral To Go Private?

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.

How Much Quicker Can I Get A GP Appointment With Private Medical Insurance?

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.

What's The Difference Between Inpatient And Outpatient Care?

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.

What's The Difference Between Health Insurance And Critical Illness Cover?

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.

Will My Policy Cover Me Outside Of The UK?

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.

How Are Health Insurance Premiums Taxed? Are They Tax Deductible?

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.

How Does The Excess Work?

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.

What Is The Difference Between Full Medical And Moratorium Underwriting?

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.

Can I Get A No-Claims Discount On My Private Health Insurance?

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.

How Can I Find The Best UK Private Health Insurance For Me?

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.

Do I Need a GP Referral for Private Medical Treatment?

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.

Can I Get Finance for a Loan for Surgery?

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.

How Much Does Private Medical Insurance Cost in the UK?

WeCovr has conducted extensive research into the cost of private health insurance in the UK. Click the link to find out more detailed information.

Can I Go Private and Then Return to the NHS?

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.

Is Private Healthcare Better than the NHS?

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.

Can I Self-Refer to a Private Consultant?

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.

Will the NHS Accept a Private Diagnosis?

Yes, if you have a health concern and pay for private tests and scans but cannot afford to have private surgery, you should be able to have your test results transferred to an NHS provider for treatment.

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The guidance contained within the website is subject to the UK regulatory regime and is therefore targeted at customers in the UK. A FCA regulated expert will contact you after you submit your details to discuss further. WeCovr is a trading style of Political And Credit Risks Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 735613.