Training Example: WPA (Western Provident Association Limited) – Review the Data, Give Your Score & Compare to the Real AI Evaluation

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[H1] The most trusted health insurer in the UK
No. 1 in the Fairer Finance PMI index, topping the Which? Best Private Health Insurance Survey 2025 and continuing our "Excellent" rating on Trustpilot - you're in safe hands.Find out moreGet a quote
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[H2] What is health insurance?
Health insurance is designed to cover some or all of the costs of private healthcare, from consultations with diagnostic scans and tests through to treatment. Having a health insurance policy gives you peace of mind that you or a family member will have access to the very best treatment at a time and place that is convenient to you. Health insurance, or private medical insurance (PMI) as it is sometimes known, may be provided by a company to their employees or it can be purchased on an individual or family basis.
[H2] Our health insurance solutions
Whether you are looking for health insurance cover for yourself and your family, or business healthcare solutions to support employee health and wellbeing, our comprehensive
range delivers products our members trust when they need us the most.
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[H3] Personal & family health insurance
View our range of award-winning health insurance, health cash plans and dental cash plans to protect the wellbeing of you and your loved ones.Personal & family
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[H3] Business health insurance
Whatever the size of your business, we have a comprehensive range of products and advanced services to support employee health and wellbeing.Business
[H2] Why choose WPA?
Being a specialist not-for-profit insurer in the UK, WPA provides award-winning health insurance solutions for individuals, families and businesses of all sizes.
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[H3] Tailored healthcare
Choose from a range of award-winning health insurance with cover levels and lifestyle options, to create exactly the right health insurance policy for your needs.
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[H3] Freedom to choose
Freedom to choose where, when and who provides your treatment. Some health insurers limit who can treat you. We believe that's wrong. Have the freedom to choose what's best for you.
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[H3] Expert service
With expertise built up over more than 120 years, we are passionate about helping our members. We consistently lead the independent Trustpilot ratings amongst UK health insurers.Find out more about WPA and our commitment to providing the very best service to you.About WPA
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[H2] How much is private health insurance?
The cost of private health insurance is typically influenced by various factors such as the ages of covered members, where you live, whether you smoke or vape, and the selected cover benefits. Further details and guidance for selecting the right private health insurance policy can be found in our comprehensive Understanding Health Insurance guide.The cover you choose will depend on your personal needs and circumstances. 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.Get a quote in minutes and find out how much you would payGet a quote
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[H2] Members can access valuable benefits
Many benefits are included as standard but availability and limits will vary across products so it's important to check the relevant product for more details.1
[H3] WPA Health app
Members can easily manage their cover with our app. This includes making and tracking claims and access to Remote GP Services.2
[H3] Member offers
As a member you can take advantage of a range of discounts and offers which are in addition to your policy/scheme benefits.3
[H3] Remote GP Services
Access to a GP either by phone or by video. Simply book online at My WPA or via our WPA Health app to set up a consultation.4
[H3] Structured Counselling
A brief course of therapy counselling (up to six sessions) for suitable conditions including relationship issues and family matters.5
[H3] Mental Health Cover
Mental health benefits are an important part of a health insurance product. We provide access to treatment with several key benefits.6
[H3] Health & Wellbeing Helpline
Telephone emotional support covering a variety of different areas, many of which are provided by experts in their field.
[H2] Focus
[H3] Your health in focus
We often ignore our own needs while looking after everyone else. But when we pause and look inward, the benefits appear quickly. By noticing the small things, we can see how they shape our nutrition, wellbeing, fitness and sense of community. This year, we're highlighting four key themes to help support your health and wellbeing. From expert tips and practical advice to videos, articles and other engaging content, there's plenty to discover.Focus on your health and wellbeing
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[H2] Health insurance from a company you can trust
We're a leading, award-winning, UK health insurer committed to providing the very best service to you. As a not-for-profit company, we don't have the demands of shareholders, meaning we're free to act differently from the rest.
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Excellent customer service very clear and explained things well. Couldn't do enough to help me in a stressful situation...very much recommended. Very customer friendly.
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A - CustomerWe're rated 'Excellent' on Trustpilot
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[H2] New to health insurance?
Health insurance can be confusing, so we have created a number of useful guides to help you understand what health insurance is, what the advantages are and why you might want it and explain some of the terminology that is often used with health insurance cover.
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[H3] Understanding health insurance
This guide delves into the fundamentals of health insurance, helping you to choose the most suitable policy for your needs and budget.
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[H3] Why have health insurance?
We look at the advantages of health insurance, how to compare plans and some of the common misconceptions about health insurance.
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[H3] Health insurance glossary
Explore our guide covering some of the most commonly used terms and expressions used in health insurance.You can find more useful guides to help you find the answers to your questions in our Help & Support area.Help & Support
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[H2] Switch your health insurance to WPA
If you already have an existing health insurance policy there are options available for you to switch your cover to WPA. Take a look at our comprehensive Switching health insurance providers guide for more information or contact us to see how much you would pay.Contact us
[H2] Frequently asked questions
Some of our most frequently asked questions about health insurance and WPA.Expand all
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What is health insurance?Health insurance, often called Private Medical Insurance (PMI), is designed to cover some of, or all, the costs of private treatment. This very much depends on the type of insurance policy you buy, the benefits it offers and if there are any monetary limits applied. It's important to understand that health insurance is bought to cover unforeseen and unexpected health problems that you don't already have. It's not designed to provide cover for pre-existing conditions or symptoms that exist before you take out a policy. For more information visit Understanding health insurance.How much is health insurance in the UK?The cost of health insurance in the UK varies depending on several factors. These include your age, location, chosen benefit options, lifestyle choices (such as smoking), and any co-payment options selected. We encourage you to shop around and compare quotes from different insurers before deciding on a policy. Business health insurance can also be affected by the number of employees on cover, any family members included and previous claim experience amongst others. For more information visit Understanding health insurance.Is it worth having health insurance in the UK?This is a personal decision for you to decide after weighing up the benefits and cost of having health insurance. In the UK, we benefit from the National Health Service (NHS), but sometimes you want to be more in control, like avoiding long waiting lists for surgery or getting access to cancer treatment not available on the NHS. For more information visit Why have private health insurance in the UK.What's the best health insurance in the UK?Most health insurance policies tend to offer a similar range of benefits. Some policies have a core set of benefits with the ability to add on others, depending on your requirements. After shopping around for the cover that best suits your needs, we encourage you to research the health insurance provider and read reviews of their service. A key consideration when buying health insurance, is that you want your health insurer to be there for you when you need them the most. At WPA, we pride ourselves on our award-winning customer service excellence and we believe it's what sets us aside from our competitors. For more information visit Understanding health insurance.How does health insurance work?If you experience symptoms, you should visit a GP. If necessary, the GP may refer you to a Specialist for tests and investigations. You should get this authorised in advance by your health insurer so that they can confirm you are covered. Once you have confirmation from your health insurer, you should attend the appointment. The Specialist will invoice your insurer and you may need to pay towards this if you have a form of co-payment on your policy or a limited benefit. It is important to keep your health insurer informed at each step of the way, especially if further treatment is suggested. For more information visit How do I make a claim?How do I choose a health insurance policy?We encourage you to spend some time researching the different health insurance providers. You should look at the benefits their policies offer, any applicable limits, and any qualifying periods or deferment periods applied. You should also review the service the provider offers and their values to make sure they align with your own. For more information visit Understanding health insurance.What does health insurance cover?The key elements to a health insurance policy are out-patient treatment, day-patient treatment, and in-patient treatment. Within the out-patient treatment section you can expect to see benefit for specialist consultations, diagnostic tests, scans, and therapy. Essentially, anything that's needed without being admitted to hospital. The day-patient and in-patient treatment section provides benefit for hospital treatment that is needed where you need to occupy a bed. There is often also a range of health and wellbeing benefits included and limited further benefits to enhance the cover. Specific benefit information will depend on the health insurance policy you choose. Find out more about Complete Health, WPA's individual and family health insurance policy.How do I compare health insurance cover?It's not always easy to compare cover as every policy will be different. The best way is to look at the Insurance Product Information Document (IPID) that each health insurer is required to supply you with. An IPID is designed to provide information in a standardised format to help customers when comparing insurance products. Specialist intermediaries, available across the UK, can also help you choose a health insurance provider and policy. For more information visit Why have private health insurance in the UK.Why should I buy health insurance from WPA?As a not-for-profit company, WPA isn't hampered by the demands of shareholders motivated to make a profit. We focus on the service we provide to our members. 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. View our awards to see how we've been recognised.How can I reduce my premiums?Depending on the policy you choose, you may have the option of an Excess or Shared Responsibility. Both are a form of co-payment which means you share the cost of your treatment with us, up to a limit that you choose. Many of our policies have a range of optional extras that can be added to your core cover. Choosing not to include these, or to remove them if you've already included them, will affect your premium. We are always here to help you make any decisions that will affect your policy. For more information visit How can I reduce my premium?Can I switch my current health insurance to WPA?Yes, you can, although it is important to realise the impact this will have before you decide. We offer a variety of switch terms, depending on the product you are buying. For more information visit Switching health insurance providers.What is underwriting?When you apply for health insurance with WPA, as part of the application process, you will need to answer questions about you and anyone else you wish to be covered. We will consider the answers and determine the risk being presented to us. The application will guide you through the information we require, as this differs depending on the underwriting term selected. We will then decide whether we are able to offer insurance terms and upon what basis. This is known as underwriting. For more information visit What is underwriting?Do you offer company paid health insurance?Yes, we do. Depending on the size of your business and the number of employees you want to provide health insurance for, we have a range of products to choose from. View our business insurance pages for more information.
[H3] Get a quote online
Interested in health insurance? Find out how much you would pay in minutes with our quick and simple online quote.Get a quote
[H3] Find a healthcare provider
Search for a specialist, therapist, hospital, clinic or scanning centre, recognised by WPA, in your local area with our useful search tool.Healthcare providers
[H3] Contact us
Existing member or looking to become a member? Find the right number to call, view our opening hours or send us an email.Contact us

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[H1] Understanding health insurance: A comprehensive guide
What is health insurance? How do I choose a policy? How much does it cost? Find out more in this guide.
[H2] What is health insurance and how does it work?
Health insurance, also known as private medical insurance (PMI), is a policy designed to cover some or all of the costs of private medical treatment. Should you or a loved one get ill you have peace of mind that they will have access to the very best treatment at a time and place that is convenient to you. In this comprehensive guide, we will explore the basics of health insurance, including how to select the right policy and understand its coverage and costs. Additionally, we'll explore the difference between health insurance and cash plans, empowering you to make well-informed decisions regarding your healthcare needs.
[H2] Types of health insurance policies
[H3] Employer-provided health insurance
Employer-provided health insurance is a valuable benefit offered by many companies in the UK. Employers usually provide this as part of a benefits package, to ensure that their staff have access to quality medical treatment when needed and to demonstrate a commitment to their wellbeing, helping to attract and retain top talent.
[H3] Individual or family health insurance
If you are self-employed or not covered by an employer, individual or family health insurance policies are available. The individual or family pay the premiums directly to the insurer for their chosen cover options. Most policies allow you to choose from a range of options to suit specific needs and budgets.
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[H2] What does health insurance cover?
Most health insurance policies offer a range of benefits and cover options to ensure customers can find the right policy to meet their needs and budget. A typical health insurance policy includes cover for the following:
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[H3] In-patient and Day-patient Treatment
One of the fundamental aspects of health insurance is coverage for in-patient and day-patient treatment in hospital. It is important to understand the extent of cover provided by the health insurer for various medical procedures, surgeries, and stays in private hospitals.
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[H3] Diagnostic Tests
Diagnostic tests are essential in identifying and monitoring medical conditions. Cover for diagnostic tests typically include MRI, CT, and PET scans, helping to reach a timely and accurate diagnosis.
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[H3] Out-patient Treatment and Cancer Care
Out-patient treatment, including consultations and investigations, plays a crucial role in healthcare. It can be either included as a standard benefit or provided as an optional extra. Likewise, cancer care, comprising consultations, treatments, and therapies, may either be covered within the policy or made available as an add-on.
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[H3] Therapy
Therapy can be provided on an in-patient or day-patient basis. Therapy treatment typically includes physiotherapy, chiropody, homeopathy and acupuncture and might be offered as standard on the policy or as an optional extra with a choice of benefit limits.
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[H3] Health & Wellbeing Support Services
Many health insurance policies in the UK offer additional support services to enhance overall wellbeing. These support services typically provide mental health benefits, counselling, and access to wellness programs to support your holistic health.
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Need help with some of the words and phrases commonly used in health insurance?Health insurance glossary
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[H2] What does health insurance not cover?
While health insurance can provide extensive cover, there are certain treatments and conditions that are usually not covered. It is important to understand that health insurance is not designed to be a replacement for the NHS, but rather to complement it. The terms and conditions of the health insurance policy will detail what is not covered and these typically include the following:
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Pre-existing conditions.
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Long-term chronic conditions.
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Fertility problems, pregnancy and childbirth.
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Cosmetic treatment.
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Self-inflicted injuries.
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It is important to read the full terms and conditions of any health insurance policy carefully to understand what is and what isn't covered.
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[H3] Pre-existing conditions explained
We define a pre-existing condition as any physical or mental health condition, disease, illness or injury, whether symptomatic or not, that exists before the start of your policy or scheme. This includes anything for which you have received medication, advice or treatment; or where you have experienced symptoms, even if the condition has not been diagnosed.
[H2] How do I choose a health insurance policy?
It is important to understand the cover a policy provides. Many health insurance products have a range of underwriting options and different levels of cover, designed to meet different customers' needs. This will determine if personal exclusions are added or if any benefits limits will apply. Key things to consider when comparing policies might include:
[H3] 1. Freedom to choose
Are you limited to certain hospitals and healthcare providers by the insurer? Can you choose who and where you are treated? Consider the flexibility of choosing preferred hospitals and healthcare providers without limitations imposed by the insurer.
[H3] 2. Out-patient treatment
Does the policy include cover for out-patient treatment and investigations, or if it offers optional add-ons for these services. Understand the associated costs and benefits of including out-patient cover on your policy.
[H3] 3. Benefits and cover limits
Review the benefits and cover limits offered by different health insurance policies. Assess if they align with your specific healthcare needs, including the maximum coverage amount for various treatments and services.
[H3] 4. Underwriting and exclusions
Understand the underwriting options that are available on a health insurance policy and any potential exclusions that may be applied. Common exclusions may include pre-existing conditions, long-term chronic conditions, fertility treatments, pregnancy, childbirth, cosmetic procedures, and self-inflicted injuries.
[H3] 5. Cost
Consider your budget and determine the amount you are willing to spend on your health insurance premium. Compare policies based on their costs and the value they provide in terms of coverage, benefits and service provided.
[H2] How much does health insurance cost?
[H3] Premiums for individuals and families are typically calculated based upon:
The ages of the people on cover.What part of the country they live in.If anyone on cover smokes or vapes.The policy level of cover chosen.Any benefit limit options or optional benefits chosen.Any Excess or Shared Responsibility options selected.The method of underwriting chosen.Health insurance premiums will vary based on the needs and the lifestyle of those looking for cover. Premiums will rise over time and can be impacted by claims made.Company health insurance premiums will be affected by some of the above, but also by company size and other factors.
[H2] What is the difference between health insurance and a cash plan?
Unlike health insurance, which covers treatment of unforeseen medical conditions, cash plans contribute towards the cost of routine healthcare. So you don't have to be ill to benefit. It's an affordable way to recover the costs of essential, foreseeable healthcare.Routine healthcare costs include:
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Dental check-ups and treatment.
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Sight tests, prescription glasses and contact lenses.
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Physiotherapy, chiropractic treatment and osteopathy.
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Money back on specialist consultations.Eligible treatment costs are reimbursed straight back to you.
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[H2] Health insurance from a company you can trust
We are an award-winning UK health insurer and are committed to providing the very best service to you. Whether you are looking to switch providers, or wanting to get cover for the first time, find out how much you would pay.
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Get a quote onlineOr give our highly trained and experienced UK team a call on:
[H2] 01823 625050
Monday to Friday: 9am - 5pm
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Landline calls cost standard UK rate. Calls from mobiles vary.

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[H1] Business healthcare schemes
Whatever the size of your business, we have a comprehensive range of healthcare solutions and advanced services to support employee health and wellbeing.
[H2] Putting our members at the centre of all that we do
[H3] Flexibility for your business needs
WPA is a not-for-profit health insurer synonymous within the industry as being a high quality trusted provider with a heritage dating back to 1901. WPA Protocol Plc is a 100% owned subsidiary which specialises in bespoke healthcare solutions for large companies that self-insure through a Corporate Healthcare Trust.We recognise that each and every customer will face their own challenges when it comes to their private medical scheme. These challenges mean that a 'one size fits all' benefit schedule and administration service is not going to be right for everyone. This is why we choose to offer complete flexibility, helping you to build a scheme solution which meets your needs.Your employees are important to your business and a healthcare scheme is a cost effective way to look after them.Whatever the size of your business, we have a comprehensive range of products and advanced services to support employee health and wellbeing.
[H3] Why choose WPA?
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Whether transferring from another insurer or starting from scratch, we aim to match your requirements so you have precisely what you want and need.
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Specialist in-house clinical teams provide dedicated and personal claims management to support those members with complex clinical needs.
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All of our members are free to choose when, where and who provides them with treatment.
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Customer service excellence built up over 120 years.We're rated 'Excellent' on Trustpilot.
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[H2] Healthcare solutions for business of all sizes
We offer healthcare solutions for small and medium enterprises, from private medical insurance, through to cash and dental plans, which can be tailored to fit your needs and protect the health and wellbeing of your staff. For companies of 100+ employees we offer a range of private medical schemes built from the ground up to fulfil your specific needs, where you define the scheme benefits and administration protocols.
[H3] Select the size of your business to view our solutions
✓ 2-150 employees100+ employees
[H2] 2 - 150 employees
[H3] Our solutions for small and medium enterprises
Whether you have 2, 10 or 150 employees, we have a comprehensive range of products and advanced services to support employee health and wellbeing.
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2 - 14 employees
[H3] Enterprise Flexible Benefits
Create a tailored and tiered group scheme that reflects your unique company structure for 2 or more employees.
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10 or more employees
[H3] Precision Corporate Healthcare
A healthcare scheme which combines private medical insurance, cash and dental plans together into a single, flexible group scheme.
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3 - 49 employees
[H3] NHS Top-Up
Simple and affordable company paid and voluntary cash plans that will support health and wellbeing in your workforce.
[H2] Member offers
[H3] Members of our business schemes will also benefit from offers throughout the term of their membership.
Offers are available for items such as gym memberships, optical and health screening discounts.
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Full details, including any terms and conditions, are provided upon joining.
[H2] Frequently asked questions
Here's a selection of questions and answers that we've already helped our customers with.Expand all
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How much on-going administration is there once the Company Scheme is set up?Enterprise Flexible Benefits, Precision Corporate Healthcare and NHS Top-Up Corporate: Once the company scheme is set up, you can manage administrative changes, including adding or removing members, via your WPA secure online portal.Alternatively, you can contact us and we will be delighted to assist you.What happens if one of our Company Scheme members wants to make a claim?Enterprise Flexible Benefits: For an Essential claim, your employee will need to get a referral from their GP and then give us a call to pre-authorise their claim. We'll take it from there.If your employee is looking to claim money back on their everyday healthcare expenses under Cash Extras Wellness or Dental, they just need to sign into their secure online account and follow the on-screen instructions.If requested, they will need to send us the completed form and associated receipts within six months of the eligible treatment date.Precision Corporate Healthcare: For private medical insurance (PMI) claims for Specialist or hospital treatment or for Mental Health claims: The Company Scheme member will need to let us know in advance of receiving treatment. This pre-authorisation can be done 24/7 via the WPA Health App or by contacting the WPA Customer Service Team.They can self-refer to a Therapist or Specialist, without the need to see a GP, for a short course of eligible treatment if the condition is not related to Mental Health. However, as above this requires them to contact us in advance of receiving treatment.For cash benefit claims: If a Company Scheme member is looking to claim money back on their everyday healthcare expenses under one of the various Cash Benefit options selected (e.g. optical, dental or for health screens) then they can sign in to their secure online account and follow the on-screen instructions or use the WPA Health App.NHS Top-Up Corporate: Just ask your employee to sign in to their secure online account to make a claim and follow the on-screen instructions.Can we mix and match cover between company scheme members?Enterprise Flexible Benefits: Yes, this company scheme is very flexible. Each employee can have different options and levels of cover.Allowing you to define a tiered benefits structure that reflects your company requirements.If you want to add family members of your employees to the company scheme, they can also have different options and levels of cover.Precision Corporate Healthcare: Yes, PCH is a hybrid product that will not only allow you to mix and match different benefit levels, but also the different benefit options. Each employee can have different options and levels of cover allowing you to offer a uniquely tailored benefit structure that reflects your company's requirements.If you want the option to add the family members of your employees to the Company Scheme, you can do so and they can also have different options and levels of cover.NHS Top-Up Corporate: Yes. Apart from the Face to Face Counselling benefit, which, if chosen, must be made available to all cash plan members.What is the maximum joining age?Enterprise Flexible Benefits and Precision Corporate Healthcare: There is no maximum joining age, but all members must be a current company employee or a family member.NHS Top-Up Corporate: There is no maximum joining age for members joining an NHS Top-Up Corporate cash plan, as long as they meet the other joining criteria (see the Cash Plan Brochure for more details).
[H2] 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.Find your local Healthcare Partner
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[H2] Contact us to discuss your needs
[H3] Small & medium businesses
[H4] (2-150 employees)
Please give our UK team a call on:
[H4] 01823 625247
Healthcare PartnerEmail us
[H3] Large companies
[H4] (100 or more employees)
Please give our UK team a call on:
[H4] 01823 625051
Help & supportEmail us

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[H1] Contact us
How can we help you today?
[H2] Recommend a Friend
[H3] Refer us to a friend and we'll thank you with £150 when they successfully join WPA.
The scheme is available to existing WPA members who introduce new members living in separate households. Up to five referrals can be made per household, per Policy/Scheme Year.Terms and conditions
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[H2] Existing member or need to make a claim?
We have created a number of useful guides to help you understand the steps to making a claim, as well as useful information for existing members and details of our dedicated WPA Health app.
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[H3] How do I make a claim?
Explore the steps of making a health insurance claim and the multiple ways you can start a claim with us.
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[H3] Existing members
Find out more about the offers available to our members and the valuable support benefits you can access.
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[H3] The WPA Health app
Our app has been designed for the convenience of our members. It provides access to manage your membership and start new claims 24/7.
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[H2] WPA Health Insurance
[H3] Rivergate House
[H3] Blackbrook Park
[H3] Taunton
[H3] Somerset
[H3] TA1 2PE
WPA is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Registration number 202608).
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