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WPA health insurance review

Find out what's covered by WPA health insurance, what's excluded and how to make a claim.

Who is WPA?

WPA is a health insurance specialist that has been covering the cost of private healthcare for its members since 1901.

What’s included with WPA Health Insurance?

WPA offers four types of health insurance policy.

These policies are:

  • Flexible Health. This policy covers you (and potentially your immediate family) for a range of in-patient, day-patient and outpatient treatments. There are three levels of cover to choose from.
  • Multi-Family Healthcare. The same level of cover as Flexible Health, but you have the opportunity to add two or more family members from different households. Your partner can be added at no extra cost with this policy.
  • NHS Top-Up Personal. A simple cash plan that lets you claim your money back on everyday healthcare expenses, up to age 65. Your children are included on the policy for free.
  • NHS Top-Up Dental Cash Plan. A cash plan for routine and emergency dental treatments.

The table below outlines the level of care provided by each policy.

Available coverFlexible Health*Multi-Family Healthcare*NHS Top-Up PersonalNHS Top-Up Dental*
Quick access to in-patient and day-patient treatment, drugs, scans, therapies and diagnostic tests
Passive and active prostheses
Outpatient consultations, treatments, scan and diagnostic tests
Outpatient therapiesUp to £400 per year
Second opinion consultant service
Remote GP services
Health and wellbeing helpline
Benefits towards NHS treatmentUp to £4,500 per yearUp to £4,500 per yearOptional
Cancer care team support
General dental treatmentUp to £450 per yearUp to £450 per yearUp to £150 per yearUnlimited cover for NHS treatment**
Treatment for dental emergencies and injuriesUp to £20,000 per yearOptionalUp to £20,000 per year
Parental accommodation costs (when child is in hospital)Up to 10 daysUp to 10 days
Optical treatmentUp to £200 per year Up to £200 per yearUp to £150 per year
Private ambulance transport
Home nursing servicesUp to 4 weeks per year
Overseas coverOptional

*This table is based on the highest available level of cover. There may be annual limits on the level of cover offered.

**Unlimited cover for NHS treatment or 75% contribution up to £250 per year for private dental treatment.


WPA Health Insurance will not cover you in the following scenarios:

  • Pre-existing medical conditions
  • Chronic health conditions, including arthritis, asthma, diabetes and epilepsy
  • Cosmetic surgery
  • Fertility problems, pregnancy or childbirth
  • Mental health treatment
  • Injuries sustained through winter sports

This is just a selection of exclusions. There may be other scenarios where your policy won’t cover you.

Claims process

To make a claim for private treatment:

  • Visit your GP for an open referral to a specialist or therapist.
  • Call WPA’s claims team on 0345 122 3100 for pre-authorisation.
  • You’ll be sent documents to be completed by you and your specialist.
  • Once the form is completed and sent back to the insurer, it will confirm your appointment and any outstanding payments due.

To make a claim for cash benefits, log into the WPA website and complete a claim form.

Managing your policy

You can manage your policy online via the WPA website. Just click the “sign in” button in the top right corner of the website, then enter your username and password on the next page.

You’ll be prompted to choose these when you first sign up for WPA health insurance.

How to contact WPA health insurance

For general queries, call 01823 625050.

Pros and cons


  • Choose from four policies, each with multiple levels of cover.
  • Cover your whole family on one policy, even when they live in multiple households.
  • Cancer treatment included as standard.


  • Mental health treatment not covered.
  • Treatment for pre-existing and chronic conditions not covered.

Our verdict

WPA health insurance is particularly beneficial for families, especially if you want to cover family members who don’t share a house with you. As there are several flexible levels of coverage on offer, you should be able to find suitable cover for your budget. However, if mental health treatment is important to you, you might want to look elsewhere.

Frequently asked questions about WPA health insurance

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