Individual and family health insurance: Complete Health
A modern and flexible family health insurance solution that can be tailored to suit your personal needs and budget.
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.
WPA is a specialist UK not-for-profit health insurer offering award-winning health insurance solutions to individuals, families and companies of all sizes.
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Complete Health provides one of the highest quality offerings on the market.
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
- A choice of excess levels to control your premiums
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.
A range of out-patient treatment
In-patient and day-patient treatment
Cash benefit for NHS day-patient, in-patient and out-patient treatment
Skin Support and Cancer Diagnosis
A range of health and wellbeing benefits
Optional Extras
Choose to enhance your cover
Optional Extras provide even more flexibility to tailor your health insurance policy benefits.
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.
You can contact us through the WPA Health app, online at My WPA, or by calling our customer helpdesk. We will check that your symptoms are covered, take details of your claim and explain how you can get help. You may be able to get treatment without a GP referral through the Fast Track Pathways.
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.
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.
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 level, or the specialist has charged more than our allowance, we will only pay our share directly to them.
Get a Complete Health quote in minutes and see how much you would pay
Get a quoteWe offer support in a variety of ways
Fast Track Pathways
Fast Track Pathway benefits are available without the need for a GP referral, to put you on the road to a quick recovery. If you need physiotherapy, have any skin concerns, or have any symptoms of breast, prostate or skin cancer, acting fast can ease your worry.
A niggling knee, a stiff neck, shoulder pain, backache...it's easy to ignore these until they become bigger problems. Fast Track Physiotherapy provides quick access to expert care - helping recovery, mobility, and prevention of long-term issues.
The first step in gaining support or advice for a skin condition, or for concerns regarding a mole or lesion. Fast Track Skin Support is web-based - simply upload images of the affected area and a dermatologist will review and provide a response. This is the quickest way to answer any skin concerns.
If you have any symptoms of breast, prostate or skin cancer, acting fast can ease your worry. Fast Track Cancer Diagnosis gives access to expert care - helping gain a diagnosis, or simply reassurance if the concern turns out to be nothing to worry about.
All Pathways are provided through third party providers and are subject to each provider's terms and conditions which may be amended at any time. WPA is not responsible for the services or treatment provided by the third party providers.
Member Support Services
Included with every 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 we include 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 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.
Health and Wellbeing Helpline - 24/7 support
Telephone emotional support covering a variety of different areas, many of which are provided by experts in their particular field. Includes healthy lifestyle, legal matters and financial wellbeing.
Mental Health Support
If you are affected by a mental health condition, it is important you feel supported. We can help with early intervention to treatment for complex conditions. More information and support is also available at mind.org.uk.
Structured counselling
If the Health & Wellbeing Helpline considers it appropriate, you can be referred for structured counselling. Brief (solution-focused) counselling is available up to a limited number of sessions, with the option to add extended therapy to your policy to enhance your cover. The Structured Counselling benefits will not have any general or personal exclusions applied. However, there may be occasions when different, or more specialist, therapy is needed and the counsellor that completes the assessment will help consider options.
Health & Wellbeing Hub
Our Health & Wellbeing hub provides access to a variety of useful and valuable information. Designed to offer support and guidance it's accessible via our WPA Health app or website. Here you will find a wide range of support.
Tailor your premium
Complete Health offers a choice of excess levels to help control your health insurance premium.
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.
You can choose different excess levels per family member - these are then applied per person, per policy year and not per claim.
Choosing to include an excess makes your insurance premiums cheaper, as you'll be paying some of the claim costs yourself.
Make sure you choose an excess that's within budget as if you need to make a claim, having an excess is only worth doing if you can afford to pay it.
An example
Select a level of excess:
| Order of treatment | Claimed amount | You pay | WPA pay |
|---|---|---|---|
| Specialist consultation | £200 | £200 | £0 |
| Physiotherapy | £180 | £50 | £130 |
| You have now reached your excess level | |||
| Osteopathy | £150 | £0 | £150 |
| Total | £530 | £250 | £280 |
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.
You do not have to pay excess on the following benefits
Structured Counselling benefits | NHS Hospital Cash Benefit | Fast Track Skin Support Pathway | Out of Pocket Expenses | Hospice Donation | Fast Track Physiotherapy Pathway (part of the Therapy Optional Extra) | Wigs (part of the Cancer Care Optional Extra) | Cash Extras Optional Extra and Dental Emergencies (part of the Dental Care Optional Extra).
No Claims Discount
Complete Health includes a No Claims Discount - with the amount of discount applied varying depending on your current No Claims Discount level.
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
15
Discount
64%
How claiming affects your No Claims Discount
During your first year, claims approved for payment 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:
Move up one level
What won't affect your No Claims Discount
Health and Wellbeing benefits (excluding the Extended Therapy Structured Counselling benefit) | NHS Hospital Cash Benefit | Fast Track Skin Support Pathway | Fast Track Physiotherapy Pathway (part of the Therapy Optional Extra) | Hospice Donation | Cash Extras Optional Extra | Dental Emergencies (part of the Dental Care Optional Extra).
In addition, any excess amount that you have paid, will not affect your No Claims Discount.
Member offers
You will also benefit from member offers throughout the length of your Complete Health 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.
You can buy a health insurance policy online (subject to your chosen underwriting term), give one of our friendly experts a call, meet with one of our local WPA Healthcare Partners or speak with a Broker to talk through your needs.
To join you must have lived in the UK and been registered with an NHS GP for at least six months immediately prior to joining. If you are aged 66 and over and you would like to explore your options, please contact us.
There is no maximum joining age for Complete Health. If you are aged 66 and over and would like to explore your options, please contact us.
Creating your very own health insurance package puts you in control of the price. The price is determined by the level of cover and additional extras you choose, as well as factors such as your age, where you live and Excess level chosen. To find out how much you would pay, you can get a quote online.
Complete Health does not have an overall maximum claim limit, but annual benefits limits apply to some of your benefits.
Yes. Our comprehensive range of healthcare options puts you in control of creating the right health insurance policy for your needs.
Yes. When you first start your health insurance policy, you can change your level of cover within the first 30 days of the issue date on your Certificate of Insurance. After that, you can change the cover on your annual renewal date.
If you upgrade to include cancer care and/or mental health benefits, we'll ask you to complete a specific medical declaration. Any pre-existing cancer or mental health conditions will not be covered and personal exclusions may be applied.
Qualifying periods may also apply to some of the extras e.g., Premium Hospitals.
When you apply for a policy with us, we assess and determine the risk being presented to us when underwriting the policy.
There are several types of underwriting terms that can be applied to your health insurance policy and these are:
- Moratorium Underwriting
- Full Medical Underwriting
- Switch Underwriting (for customers who are currently insured)
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.