Private Medical Associates · WPA Health Insurance
WPA Health Insurance: A Not-for-Profit Specialist with 125+ Years Experience
Most people I speak to have not heard of Western Provident Association. If they have, it’s because they’ve heard good things — a story about great service when they really needed it. WPA grows through word of mouth and great service, not advertising.
“I work exclusively with WPA. That means I’m not giving you a side-by-side comparison of every provider on the market. What I can give you is real and accurate knowledge of what is — in my opinion — the best provider in the UK, built up over years of helping people get it right. When clients need help, WPA delivers. That’s what keeps me recommending it and using it myself.”
Frank Coelho — Senior Healthcare Partner, Private Medical Associates Authorised WPA Healthcare Practice advisor · FCA regulated
Why I Recommend WPA
I work exclusively with WPA. Not a comparison website. I don’t juggle ten different insurers. I know WPA inside out — I work with them every day.
The stats back it up: 97% of claims are authorised, calls are answered in under two minutes on average, and WPA tops the independent trust ratings. But more than the stats, it’s what I hear from clients after they’ve used their policy.
Whether you are a single person, a family, a small business or a large corporation — I can prepare a quote tailored to your situation, not a generic estimate from a web form. I can also advise you on what you need and why you need it.
About WPA Healthcare Practice
WPA Healthcare Practice is a wholly owned subsidiary of Western Provident Association (WPA), authorised and regulated by the Financial Conduct Authority. Healthcare Partners like Frank are fully trained in all WPA products and hold, or are studying towards, the Chartered Insurance Institute (CII) Certificate in Insurance.
What the Independent Ratings Say
WPA consistently tops every major independent health insurance rating. Here’s the evidence.
Sources: Which? Best Private Health Insurance Survey 2025 · Fairer Finance PMI Trust Index Spring 2025 · ILP Moneyfacts Awards September 2025 · Moneyfactscompare.co.uk Awards 2026 · Defaqto ratings 2025 · Trustpilot (4,000+ verified reviews) · Populus independent survey 2021. All ratings independently verified.
| Award / Rating | Detail |
|---|---|
| Which? Highest Rated Health Insurance Provider | Top score for both Claims and Customer Satisfaction (2025) — the only PMI provider to achieve this |
| Fairer Finance — Most Trusted PMI | Ranked #1 for trust, Spring 2025 |
| Moneyfacts Best PMI Provider 2025 | Best Private Medical Insurance Provider, ILP Moneyfacts Awards, September 2025 |
| Moneyfacts Provider of the Year 2026 | Private Healthcare Provider of the Year, Moneyfactscompare.co.uk Awards 2026 |
| Defaqto: 5-star | Top-rated for product quality and benefit strength |
| Trustpilot 4.7/5 | Consistently the highest-rated UK health insurer on Trustpilot |
| 62% consultant recommendation rate | Independent Populus survey (2021) — double the nearest competitor |
What Does WPA Health Insurance Cover?
Health insurance covers a wide range of treatments and diagnostics — from GP appointments and specialist consultations through to surgery and cancer treatment.
In-patient & Day-patient Treatment
Hospital treatment where you need to occupy a bed, whether for a planned procedure or surgery. Covers the full range of admitted treatments.
Out-patient Treatment
Appointments with specialists or therapists for diagnostic and treatment purposes, including tests and procedures, where a hospital bed is not required.
Therapies
Physical therapies including Physiotherapy and Osteopathy, plus mental health therapies — counselling and psychotherapy depending on your level of cover.
Cancer Care
Any cancer-related treatment, whether in-patient or out-patient. WPA’s cancer care is comprehensive and covers the full treatment pathway.
From WPA.org.uk
“The key elements to a health insurance policy are out-patient treatment, day-patient treatment, and in-patient treatment. 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.”
How WPA Health Insurance Works
The claims process is straightforward. WPA have invested in making it as easy as possible to use your cover when you need it.
From WPA.org.uk
“All claims must be pre-authorised before you commence any treatment. You can contact WPA through the WPA Health app, online at My WPA, or by calling the customer helpdesk. They will check that your symptoms are covered, take details of your claim and explain how you can get help.”
Contact WPA
Via the WPA Health app, My WPA online portal, or phone. Available when you need them.
Pre-authorisation
WPA checks your symptoms are covered and explains exactly how to access treatment.
Choose your facility
Select from over 1,000 private hospitals and clinics across the UK.
Get treated
WPA handles the billing directly with the hospital in most cases. Minimal paperwork for you.
The Not-for-Profit Difference
WPA is not a PLC. It’s not listed. It doesn’t have shareholders. That sounds like a small detail — in practice it changes everything about how they operate.
- No shareholder returns to protect or analysts to satisfy
- No pressure to cut claims or restrict benefits to hit profit targets
- Health insurance is all they do — no distraction from other product lines
- Surplus reinvested into service and product quality, not dividends
- Free to act in members’ interests, not investors’ interests
From WPA.org.uk
“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.”
How to Get WPA Through Me
The process is straightforward. You deal with me, start to finish.
By phone or however suits you. I ask about your situation, health, what you’re looking for and what concerns you.
And explain why each makes sense compared to your specific needs. No generic estimates.
Official quote and reference materials with a clear breakdown of benefits and cost.
No pressure. If it’s not right for you, I’ll tell you that too.
Get a quote — no obligation, no pressure
Call Frank directly or drop him a message. He’ll give you straight advice about whether WPA is right for you.
Frequently Asked Questions
Is WPA a good health insurer?
By every independent measure, yes. Which? rates WPA highest for both Claims and Customer Satisfaction in 2025 — the only private medical insurer to achieve top scores in both categories (Source: Which? Best Private Health Insurance Survey 2025). Fairer Finance ranks them #1 for trust (Spring 2025). Trustpilot gives them 4.7/5 based on over 4,000 verified reviews. 97% of claims are authorised. And over 480,000 members trust WPA as their health insurance provider (Source: wpa.org.uk, WPA data April 2026). The stats are consistent across every independent rating.
How much does WPA health insurance cost?
Prices are based on your age, postcode and the level of cover you choose — not your health history. A basic individual policy typically costs less than you might expect. The best way to find out is to call me and I’ll put together options specific to your situation, with a clear breakdown of what you’d be getting for the price.
What is the WPA Health app?
The WPA Health app lets you manage your policy, submit claims and contact WPA’s customer service team directly from your phone. It’s one of the ways WPA has invested in making the claims process as simple as possible — you can pre-authorise treatment and track claim status without needing to call.
Can I still use the NHS if I have WPA health insurance?
Absolutely. WPA health insurance sits alongside NHS care — it doesn’t replace it. You choose when to use private care and when to use the NHS. For emergencies, the NHS is still there. For planned treatment, diagnostics or specialist appointments where waiting lists are an issue, that’s where your WPA cover comes in.
What does WPA health insurance not cover?
Like all health insurers, WPA doesn’t cover pre-existing conditions in most standard policies, cosmetic procedures, or GP appointments unless you add a specific benefit. Every policy is different, which is exactly why it’s worth talking to me rather than just reading a policy summary. I’ll make sure you understand exactly what you’re covered for before you commit.
Private Medical Associates is authorised and regulated by the Financial Conduct Authority (FCA Number 598868). Your health is important — choose your advisor carefully.