Complete Health
Personal and family health insurance designed for today's lifestyle
Complete Health has been designed as a tailored and flexible health insurance plan for individuals and families. There are a set range of core benefits that provide the foundation of your cover, together with an extensive range of Optional Extras that enable you to create your complete physical and mental health package.
Manage your membership on the go, with the WPA Health app (available on the App Store and Google Play) or through My WPA - our secure online portal.
Complete Health includes:
- Core Benefits included with every Complete Health policy
- A range of Optional Extras to enhance your cover
- Remote GP service and other member support benefits included as standard
- No Claims Discount option available
- Choice of Shared Responsibility or Excess to control your premiums
We're currently the highest-rated UK health insurer on Trustpilot - rated "Excellent".
Download WPA Health or visit my.wpa.org.uk
The benefits at a glance
Complete Health features Core Benefits that are included in every policy, along with a range of Optional Extras to tailor your health insurance policy to your needs.
Core Benefits
Included in every Complete Health policy
Access to hospital treatment supported by out-patient benefits which can be enhanced.
Out-patient Treatment
A range of out-patient treatment
Hospital Treatment
In-patient and day-patient treatment
Health & Wellbeing
A range of health and wellbeing benefits
NHS Hospital Cash Benefit
Cash benefit for NHS day-patient, in-patient and out-patient treatment
Optional Extras
Choose to enhance your cover
Optional Extras provide even more flexibility to tailor your health insurance policy benefits.
Cancer Care
Extra Out-patient Consultations
Out-patient Tests
Therapy
Mental Health Treatment
Overseas Emergency Treatment
Winter Sports - UK Treatment
Cash Extras
Dental Care (Dental Emergencies and Injuries)
Premium Hospitals
What's not covered
As with all health insurance there are certain things that are not covered. For a full list of what isn't covered, please refer to the 'A Guide to Your Policy', available as part of our quote process. Key exclusions include:
Pre-existing conditions
Dental problems (except limited cash benefits)
Long-term conditions (chronic conditions)
Fertility, pregnancy and childbirth
Cosmetic/aesthetic treatment
Allergic conditions
If you need to claim, we keep things simple
Once you have joined Complete Health, all claims must be pre-authorised before you commence any treatment.
In most instances, authorisation of a claim is quick and easy - simply use the WPA Health app, go to my.wpa.org.uk, or call our customer helpdesk.
1
Contact your GP
If you're feeling unwell your GP is best placed to advise what may be necessary. If they feel you need investigations they will refer you.
2
Start a claim
Start a claim via our app, by logging into My WPA, or by calling us. It's important you register your claim before you incur any costs.
3
Treatment bills
Once your claim has been authorised you can begin your treatment journey. We settle the bills for your treatment directly with the treatment provider.
Specialists are free to set their own charges for consultations and operations. Operations (or procedures) are classified by a code. We set a maximum fee that we will reimburse for each of these codes and consultations based on our assessment of the customary and reasonable cost. Specialists are required to let you know their charge in advance so you can check whether this is within our fee allowance. If you have chosen an Excess or Shared Responsibility, or the specialist has charged more than our allowance, we will only pay our share directly to them. We will let you know what you are required to pay.
Member support benefits
Included with every Complete Health policy
There are times when we could all benefit from some extra help or advice. Having access to support from the comfort of our own home is invaluable.
That's why Complete Health includes a range of health & wellbeing benefits - available at a time and a place of your choosing.
Remote GP Services
Access to a GP either by phone or by video, depending on which you prefer and which is most appropriate. Simply book online at My WPA or via our WPA Health app 24/7 to set up a GP consultation at a convenient time for you. The consultation can include the issuing of digital prescriptions to your local pharmacy.
Tailor your premiums
Complete Health offers two ways to help control your health insurance premiums - Excess or a Shared Responsibility.
An Excess is the amount you have to pay towards the cost of your eligible treatment before we contribute to your treatment costs. Once your Excess has been paid, we will provide benefit for your eligible treatment costs for the remainder of that policy year within your benefit limits.
The Excess is applied per person, per policy year and not per claim.
An example
Select a level of Excess:
Please note that the examples are for indicative purposes only. They are based upon the assumption that the Optional Extras or level of cover chosen provides benefit for the types of treatment illustrated.
Shared Responsibility and Excess explained video
Where a Shared Responsibility or an Excess has been chosen, you cannot mix them on the same policy. However, you may choose different levels of Shared Responsibility or Excess per family member.
Pricing options
Complete Health offers you the choice of a No Claims Discount or a Pooled Risk pricing option. The choice is yours but it is important to understand the differences and how it affects the premium you pay now and in the future. Once you have chosen your pricing method you will not be able to switch to the other.
Each person has their own No Claims Discount level. A No Claims Discount, whether you claim or not, has a direct impact on your health insurance premiums. Your quote and Certificate of Insurance will show the level of No Claims Discount that applies.
No Claims Discount Level
12
0
14
Discount
64%
How claiming affects your No Claims Discount
During your first year, claims made within the first nine months will affect your No Claims Discount. In future years, the period will typically run from the last three months of your previous policy year and the first nine months of your current policy year.
Total claims amount in period:
What won't affect your No Claims Discount
Health and Wellbeing benefits (excluding the Extended Therapy Structured Counselling benefit) | NHS Hospital Cash Benefit | Dental Emergencies (part of the Dental Care Optional Extra) | Cash Extras Optional Extra.
In addition, any Shared Responsibility contribution or Excess amount that you have paid, will not affect your No Claims Discount.
No Claims Discount explained video
Member offers
You will also benefit from member offers throughout the length of your health insurance policy.
Offers are available for items such as gym memberships, optical and health screening discounts.
Full details, including any terms and conditions, are provided upon joining.
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.
Video guides
It is important that the options you choose when purchasing the Complete Health policy are the correct ones for you and your family. To help you, and further to the information available above, we have produced a series of videos to explain some of the key features of the health insurance policy. Select a video below to find out more.
Frequently asked questions
Here's a selection of questions and answers that we've already helped our customers with.