Cost of living crisis

The cost of living crisis is having an impact on virtually everyone, with people struggling to make their money go further. Here you will find support information for WPA members.

Supporting WPA members who are experiencing financial difficulties

We understand that the current climate is putting pressure on the finances of many households and businesses across the country. It is of utmost importance to WPA to support its members in their time of need. If you are struggling to pay your insurance premium, please speak to us about your cover as we have a number of ways that we can help to ensure that you continue to benefit from our award winning products. Our contact details can be found below.

How we can help

We focus on the service we provide to our members - we offer all of our members a personal commitment to customer service excellence. As part of this commitment, please see some options below which outline the support available to WPA customers who are struggling with their finances:

Piggy banks

Reduce your premiums

If you need to cut your spending but value the peace of mind that health insurance can give you, there are a number of ways in which you can reduce your premiums. There are pros and cons to each and will differ according to personal circumstances.

Telephone support

Health & Wellbeing Helpline

The Health and Wellbeing Helpline benefit is available for WPA members and their family member(s) to access. This confidential service includes debt and money management assistance to help tackle financial difficulties.

Independent advice

If you are struggling with your finances, there are a number of organisations that offer free independent advice - including the following:

Considering cancelling your policy?

Important points to remember

In these uncertain times it is understandable that many families and businesses will be considering how they can reduce their spending. You may be tempted to save money by cancelling your cover, but it is important that you understand how this may impact you, your family or your employees now and in the future.

Any outstanding claims will no longer be covered. You will lose the ability to choose who treats you and when - a valuable benefit in helping you, your family or your employees get back on their feet quickly.

If you have made a claim in the contract period then you may be ineligible for any pro-rata refund of your premium.

If you cancel your cover and re-apply in the future, you may not get the same level of cover as you have now or may face higher premiums. When you renew your health insurance each year, your cover continues on the same terms. A gap in cover could mean that you face exclusions for conditions that you were previously covered for. The price of insurance also goes up with age so it could cost you more.

If you are thinking of cancelling your health cover to save money, please get in contact with us to discuss whether there are other options that can help.

Ways to get in touch

If you are struggling with your premiums or want to talk to us to find out how we can help, there are several ways you can get in touch.

My WPA and WPA Health app

Our website and app give you access to send and receive secure messages, Live Chat with a member of the team and view contact details for your local Healthcare Practice Partner.

My WPA Login

Contact us

If you'd like to talk to someone about ways to reduce your premiums, please give our UK team a call on

01823 625230

Email us