Personal and family health insurance policies
A range of healthcare solutions designed to look after the health and wellbeing of you and your loved ones. Get a quote in just a few minutes.
Health insurance, cash or dental plan
Health insurance, or private medical insurance (PMI) as it is sometimes known, is designed to meet some or all of the costs of private medical treatment, from initial consultation and diagnostic scans through to treatment. Most policies allow you to choose from a range of options to suit individual needs and budgets, giving you peace of mind and allowing you to have quicker access to treatment.
Cash plans, unlike health insurance, contribute towards the cost of everyday routine healthcare, meaning you don't need to be ill to benefit. These low cost, simple plans, let you claim money back on essential, foreseeable healthcare. A visit to the dentist, whether NHS or private, can be painful enough. With dental bills becoming ever more expensive, a dental plan offers protection for both routine and preventative dental care.
Health insurance typically includes the following main benefits:
Hospital admissions for in-patient and day-patient treatment.
Diagnostic tests including MRI, CT and PET scans.
Health & Wellbeing support services.
Comprehensive Cancer Care.
Out-patient treatment including consultations and therapy.
Mental Health support benefits.
Individuals and families
Our solutions for you and your loved ones
Choice of a flexible and tailored health insurance policy, a cash plan for your everyday health needs and a dental plan for both routine and preventative dental care.
Get a health insurance quote in minutes and see how much you would pay
Get a quoteWhy choose WPA?
WPA are a specialist UK not-for-profit health insurer offering award-winning health insurance solutions to individuals, families and companies of all sizes. We offer groundbreaking personal and business health insurance policies that have truly revolutionised healthcare in the UK.
Freedom to choose when, where and who provides your treatment.- Customer service excellence built up over 120 years.
- We don't offer other forms of insurance.
- Our WPA Health app makes it easy to manage your membership.
Rated "Excellent"
Trusted
We pride ourselves on our customer service excellence, and work hard to earn the trust of our members. We are always improving, we never rest on our laurels, and we actively encourage feedback from our members.
Find out why we are the most trusted health insurer in the UK.
Putting people first
Advice from your local WPA Healthcare Practice
Finding the right healthcare solution for your needs can be confusing, that's why we created the WPA Healthcare Practice, a wholly owned subsidiary of WPA, authorised and regulated by the Financial Conduct Authority. This means we have Healthcare Partners across the UK that can advise you on WPA's products and services and provide access to the sort of healthcare that we want for ourselves and our families.
All Healthcare Partners hold, or are studying towards, the Chartered Insurance Institute (CII) Certificate in Insurance and are fully trained in all of WPA's products and services. So you can be confident you are working with qualified and professional advisors. Find your local Healthcare Partner to help you at every step of the journey.
Frequently asked questions
Here's a selection of questions and answers that we've already helped our customers with.
Health insurance FAQs
Whilst many health insurance products on the market are similar in their benefit offering, what sets WPA aside from the rest is our dedication in putting customers at the centre of all that we do. We aim to deliver excellent customer service, whether it is via our app, by email, on the phone with our UK team, or via WhatsApp/Live Chat.
With most WPA health insurance plans you will find a range of benefits that can be tailored to suit your needs. Most people choose to add an element of out-patient (consultations and tests), cancer cover and mental health treatment to the core benefit. Core cover is usually for in-patient treatments, which gives you benefit should you be admitted to hospital for a planned procedure.
The cost of any health insurance plan can vary, depending on a number of factors. The main ones are your age, where you live and what benefit options you choose to have on your cover. WPA health insurance plans can be tailored so you find the right balance between cost and cover. To get a quote, click here.
Making a claim with WPA is simple, you can start a health insurance claim using the WPA Health app, on our secure My WPA website or on the phone. With health insurance claims, we ask that all are pre-authorised before you incur any costs and eligible invoices are paid directly by WPA to your provider. To find out more about claiming, read this helpful article.
Cash Plan FAQs
The main difference between health insurance and cash plans is the benefits available. Health insurance policies tend to have higher benefit limits and cover a wider range of treatment, such as needing to go into hospital for a procedure. Alternatively, cash plans are there to provide cash back for everyday medical expenses, like a trip to the dentist or optician.
This will depend on the level of cover chosen and the treatment you have had. Traditionally cash plans are designed to reimburse everyday medical expenses, up to a capped amount, so won't pay in full for larger treatment costs.
Cash plan claiming is simple. You keep your treatment invoice and receipt and upload them on the WPA Health app or on our secure My WPA website. To find out more about claiming, read this helpful article.
Dental Plan FAQs
Yes, the maximum joining age for most of our cash plans and dental plans is 65.
No, WPA dental plans can cover NHS or private dental fees, although some of our policies have specific levels that may only cover NHS treatment.
No, dental plans will only cover routine check-ups and treatments with further benefits for emergency dental care. They will not cover any cosmetic work.
It is simple to make a dental claim. Much like any cash plan claim, you keep copies of your treatment invoice and receipt, and can then submit a claim using the WPA Health app or on our secure My WPA website. To find out more about claiming, read this helpful article.
Get a quote online
Interested in health insurance? Find out how much you would pay in minutes with our quick and simple online quote.
Find your local adviser
We have fully trained Healthcare Partners across the UK that can advise you on WPA's products and services.