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:
We're currently the highest-rated UK health insurer on Trustpilot - rated "Excellent".
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.
Access to hospital treatment supported by out-patient benefits which can be enhanced.
A range of out-patient treatment
In-patient and day-patient treatment
A range of health and wellbeing benefits
Cash benefit for NHS day-patient, in-patient and out-patient treatment
Optional Extras provide even more flexibility to tailor your health insurance policy benefits.
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
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.
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.
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.
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.
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.
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.
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.
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.
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:
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
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.
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.
Here's a selection of questions and answers that we've already helped our customers with.