Introducing Flexible Health
Our comprehensive and modular Flexible Health range puts you in control so that you can create exactly the right Policy for your own personal needs. With three Policies to choose from and the additional Optional Extras you will enjoy certainty and peace of mind, whatever life has in store.
Our Premier and Elite Policies have been awarded the Moneyfacts Private Medical Insurance Five Star Rating for 2022.
Essentials
Our entry level surgery only Policy with a maximum annual benefit of £50,000.
A good value surgery-only Policy for fast-track private surgery, offering in-patient and day-patient benefits when you need non-emergency (elective) surgery for a diagnosed medical condition.
Includes benefit towards dental care and optical treatment.
No benefit is available for out-patient treatment/investigations or for cancer surgery.
Maximum annual benefit limit: £50,000 per person.
Premier
Mid-range Policy offering enhanced cover as standard.
Over 62%* of members choose this Policy due to its range of Optional Extras.
Multiple Shared Responsibility ®(co-payment) levels are available.
No maximum annual benefit limit.
* Based on the number of Policies sold across the Flexible Health product range between 01.04.19 and 31.03.20.
Elite
Our most comprehensive Policy – when you want our highest level of cover.
In addition to the in-patient, day-patient and out-patient benefits, Elite also offers valuable cash benefits, such as dental care and optical treatment.
Multiple Shared Responsibility ®(co-payment) levels are available.
No maximum annual benefit limit.
Optional Extras
- Extra Out-patient - two levels
- Cancer Care
- Overseas Emergency Treatment
- Dental Care
- Premium Hospitals
- Mental Health Treatment
- Structured Counselling (Extended Therapy)
Optional Extra
- Premium Hospitals
- Mental Health Treatment
- Structured Counselling (Extended Therapy)
Essentials
Our entry level surgery only Policy with a maximum annual benefit of £50,000.
A good value surgery-only Policy for fast-track private surgery, offering in-patient and day-patient benefits when you need non-emergency (elective) surgery for a diagnosed medical condition.
Includes benefit towards dental care and optical treatment.
No benefit is available for out-patient treatment/investigations or for cancer surgery.
Maximum annual benefit limit: £50,000 per person.
Premier
Mid-range Policy offering enhanced cover as standard.
Over 62%* of members choose this Policy due to its range of Optional Extras.
Multiple Shared Responsibility ®(co-payment) levels are available.
No maximum annual benefit limit.
* Based on the number of Policies sold across the Flexible Health product range between 01.04.19 and 31.03.20.
Optional Extras
- Extra Out-patient - two levels
- Cancer Care
- Overseas Emergency Treatment
- Dental Care
- Premium Hospitals
- Mental Health Treatment
- Structured Counselling (Extended Therapy)
Elite
Our most comprehensive Policy – when you want our highest level of cover.
In addition to the in-patient, day-patient and out-patient benefits, Elite also offers valuable cash benefits, such as dental care and optical treatment.
Multiple Shared Responsibility ®(co-payment) levels are available.
No maximum annual benefit limit.
Optional Extra
- Premium Hospitals
- Mental Health Treatment
- Structured Counselling (Extended Therapy)
What isn't 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' in the Download documents section below. It is important to understand that health insurance is not designed to be a replacement for the NHS, but rather to complement it.
Key exclusions include:
- Pre-existing conditions
- Long-term chronic conditions
- Fertility problems, pregnancy and childbirth
- Allergic conditions
- Injuries sustained through winter sports
Download documents
All our members are free to choose where, when and who provides them with treatment.
In the UK, we benefit from one of the best healthcare systems in the world. But sometimes you need more, like avoiding long waiting lists for surgery or getting access to cancer treatments not readily available on the NHS. You want the freedom to choose what’s best for you. Some health insurers limit where, when and who can treat you. We believe that’s wrong. It’s your health, so you should be in control.
Our members have access to over 600 hospitals throughout the UK.
Easy to claim
Everyone hopes they’ll never need to use their health insurance. But should the worst happen, and you need to make a claim, you expect your insurance provider to be there for you. When you buy our health insurance, you buy our promise that we’ll deliver.
With our WPA Health app claiming has never been easier. Customers can make a Health Insurance claim and receive an instant decision - a first in the UK Health Insurance market.
Customers rate our service as 5 star, with an average rating of 4.8 out of 5.
Data recorded between 1st January 2021 and 31st December 2021. 14,238 responses received.
Frequently asked questions
How can we help? Healthcare can be confusing, but we don't think it should be. Choose a topic to find out more.
How do I join WPA?
What is the maximum joining age?
How much does it cost?
What is the maximum annual limit I can claim?
Can I tailor my cover?
Get a quote
Get a quote now and find out how much you would pay.
- 3 choices of cover and the additional Optional Extras to tailor the policy to fit your needs.
- Shared Responsibility. An innovative method of co-payment allowing you to take control of your premium.
- Underwriting choices. You decide how you wish to join WPA (your underwriting method).
- Discount available to the self-employed or a member of a recognised profession.
Help & advice
Contact us
If you’d rather talk to someone about becoming a member, please give our UK team a call on 01823 625050.