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In this review: We look at the benefits of a WPA plan, the level of cover and whether they are competitive compared to the whole market
Western Provident Association (WPA) has a history going back over 100 years.
Headquartered in Taunton, Somerset, WPA is a provident association, meaning its operations are conducted on a not-for-profit basis.
WPA has 80 offices around various locations in the UK.
WPA offers health cover with sales emphasis on individuals/families, professionals/clinicians, the self-employed and businesses (schemes).
These differentiations are largely related to pricing and discounts.
Their main policy offering is divided into three levels of cover but they also offer other types of plans:
This plan is detailed further below but essentially it has 3 levels of cover to suit your need:
With this plan you can add your partner free for a year or receive a 25% discount for a plan in one name.
This plan will cover not just only your immediate family, but also your wider family across the generations - provided you are related by blood, marriage, civil partnersip, co-habiting partners, adoption and fostering.
It comes in 3 options to suit your budget and needs:
The NHS Top up plan is a health cash plan that could provide a cash sum towards a range of treatments.
Starting from £9.67 a month this could be an affordable option to provide a limited but valuable cash sum when needed.
This is a dental only cash plan that starts from £11.04 a month and will provide cashback towards the most common of dental treatments.
As with most policies of this type, the cover exists to help with conditions that arise after you have taken out a policy.
As a result, there are special provisions and exclusions that apply to pre-existing medical conditions and these would be discussed with you on a case-by-case basis when you’re considering health insurance quotes.
NB - Cancer surgery is not covered
NB. Cancer is not included in the standard cover at this level but can be added as an option.
Please note, as with all health insurance quotes, the above benefits are subject to conditions, requirements caps and limitations. You may also be able to vary them based upon your own personal requirements (e.g. for specific hospitals) and that may affect the cost of your cover.
These factors need to be considered carefully when reviewing health insurance quotes.
If you have chosen Moratorium Underwriting: Benefit will not be provided for at least two years for any pre-existing condition(s) which you or any family member(s) have had during the five years before your Policy starts, or any new symptoms/conditions that start in the first 14 days of your Policy.
If you have chosen Full Medical Underwriting: Benefit will not be provided for pre-existing conditions that you had when you took out the Policy unless declared to and accepted in writing by WPA. Benefit is also not available for any medical conditions/symptoms, whether diagnosed or not, if these arise in the first 14 days of the start of the Policy.
If you have chosen Switch with Continued Personal Medical Exclusions (CPME): With CPME terms you can carry your current personal medical exclusions across with you; you will need to answer a few questions about your medical history and WPA may have to apply some additional personal medical exclusions.
If you have chosen Switch with Continued Moratorium: Benefit will not be provided for any pre-existing condition(s) and other directly related condition(s) which existed in the exclusion period (usually five years) of your previous insurer´s policy, unless during the symptom-free period after your previous insurer´s policy started, you don´t receive medication, advice or treatment or experience symptoms of that disease, illness or injury.
Pre-existing medical conditions are defined as any disease, illness or injury for which: You have received medication, advice or treatment; or You have experienced symptoms whether the condition has been diagnosed or not before the start of your Policy.
Yes you can, if you have a private medical insurance policy with another insurer and you wish to switch your insurance to WPA, they may accept your application and apply your current personal medical exclusions or Moratorium terms, whichever is applicable.
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