Senior Health Insurance - Active Health FAQs

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Frequently Asked Questions - Senior Health Insurance

Do you cover pre-existing conditions?
Like other forms of insurance, health insurance provides cover for the unknown. Any medical conditions (or undiagnosed symptoms) you had when you took out the policy are generally excluded from cover. You are also not covered for any medical conditions/symptoms, whether diagnosed or not, if these arise in the first 14 days of cover.
Do I need to complete a medical questionnaire to join your policy?
When applying for cover it is important to complete the medical history questions in detail so we can advise the full extent of the cover available. Pre-existing conditions are likely to be excluded from cover.
How do I join WPA?
You can buy online, alternatively you can discuss your needs over the phone, or one of our local representatives can meet you to discuss your requirements.
What is the maximum joining age?
There is no maximum joining age however you need to be 55 or over to join Active Health. (Other policies are available for those under the age of 65.)
How much does it cost?
The price of your policy will depend on your age and if you select the emergency abroad or Premium Hospitals optional extras.
What is the maximum annual limit?
Active Health has an annual maximum limit of £150,000.
Can I change my cover after I have joined?
When you first join your policy, you can change your level of excess and/or extras within the first 14 days of receiving your full policy documentation (or 28 days if you join online). After that, you can amend your cover at renewal (which is the anniversary of your original policy start date).
Do my premiums increase because I make a claim?
Unlike with some insurers ´no claims discount´ schemes, we do not penalise you with higher premiums because you make a claim.
Can I cancel my policy at any time?
If, when you first take out your policy, you are not satisfied with the policy and the benefit it provides you have the right to cancel your policy provided you notify us within 14 days (28 days if you purchased online) of receiving your policy documents. Cancellations cannot be backdated. If you cancel your policy and you chose to pay the premium by monthly instalments we reserve the right to make a reasonable charge to reflect the cost to us.
What hospitals can I use?
You have access to over 600 hospitals across the UK. You also have a choice of adding cover in the premium hospitals to the policy.
What are premium hospitals?
WPA provides an extensive choice of hospitals as standard including all BMI, Nuffield Health, Spire, Ramsay, independent private hospitals and Private Wings of NHS hospitals. You can also extend this choice by adding this premium hospitals extra - these hospitals are primarily based in Central London and listed below:

  • BUPA Cromwell Hospital
  • 30 Devonshire Street
  • Harley Street at Queen´s (Romford, Essex);
  • Harley Street at UCH
  • Harley Street Clinic
  • Lister Hospital
  • London Clinic
  • Portland Hospital
  • Princess Grace Hospital
  • Royal Marsden Hospital (London and Surrey)
  • The London Bridge Hospital
  • LOC – Leaders in Oncology Care
  • The National Hospital for Neurology and Neurosurgery
  • University College London
  • Wellington Hospital
What are chronic conditions?
A disease, illness, or injury that has one or more of the following characteristics:

  • It needs ongoing or long-term monitoring through consultations, examinations, checkups, and/or tests;
  • It needs ongoing or long-term control or relief of symptoms;
  • It requires your rehabilitation or for you to be specially trained to cope with it;
  • It continues indefinitely;
  • It has no known cure;
  • It comes back or is likely to come back.

Active Health does not cover chronic conditions. We may provide cover for initial investigations needed to diagnose a new condition and the initial short-term treatment up to the point of stabilisation - a period not exceeding 3 months. You should contact us in these circumstances for pre-approval.
What is a rolling excess?
Active Health has a unique excess per person (a choice of £3,000 or £5,000), which works on a rolling basis per year and not per claim. This means that once your treatment costs exceed your excess limit within a 12 month period, WPA will cover the cost of all eligible treatment for a further 12 months. So in effect, you get a full year´s ´excess holiday´.
Do you cover emergency treatment?
Private hospital admissions are for planned treatment only and so we will not pay benefit for emergency admission into a private hospital unless we have authorised this and you have first had a consultation with a specialist and he/she has decided to admit you. If in a medical emergency, you are admitted to an NHS hospital via A&E we will be able to provide cover once your condition has been stabilised and the transfer to the private bed is arranged by your specialist at your own request, subject to our prior authorisation.
How can I claim?
Simply start by visiting your GP. Once your GP refers you to a specialist or therapist, you should contact us in advance. All claims must be pre-authorised before you commence any treatment. For instant authorisation of claims 24 hours a day, 7 days a week, visit Alternatively contact us on 0345 122 3100.
Do you cover cancer?
Active Health provides cover for cancer surgery, radiotherapy, chemotherapy, specialist consultations which are customary and reasonable, monitoring, advanced cancer drugs given with curative intent which are not readily available on the NHS. As cancer treatment is often given in NHS facilities (especially out of London) we offer an NHS hospital cash benefit option. This provides £200* per day/night or £150* per out-patient diagnostic scan (MRI, CT or PET scans), procedure, blood test and radiotherapy/chemotherapy session up to £6,000 per year where you are treated (at no charge) as an NHS patient.

* Where you receive treatment (as an NHS patient) in one of the defined London NHS Hospitals, the benefit limits shown on the table will increase by £100 per day/night/session up to the same maximum annual limits shown. For a full list visit

Please note you are not covered for cancers that occurred before or within the first 90 days of your policy starting, whether the cancer has been formally diagnosed or not.

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