WPA Health insurance review (2026)
WPA may be one of the smaller health insurers in the market, but it’s arguably one of the best, with extensive policy options and impressive customer service. In this article, we review WPA's Complete Health product and assess how it fares against other health insurance providers.
Chris Steele is myTribe’s trusted expert in private health insurance and healthcare, with over a decade of experience in the field. As the Founder and Editor of myTribe Insurance Experts, Chris is a Chartered Insurance Institute (CII) qualified professional with certifications in Insurance, Legal and Regulatory (IF1), Healthcare Insurance Products (IF7), and Insurance Broking Fundamentals (I10). Chris’s research and insights are regularly cited by national media, and he has contributed to leading consumer finance publications, simplifying complex topics to help consumers better understand private medical insurance. His expertise spans private health insurance, market analysis, and health insurance regulations, making him a respected voice in the UK insurance market.
Full Bio
Is WPA health insurance the best in 2026?
WPA was runner-up in our 2026 review of the best UK health insurance providers, with its Complete Health product awarded five stars in the myTribe ratings based on a score of 97 out of 108.
Complete Health provides an itemised approach to private health insurance, allowing customers to tailor their plans to their specific needs and budgets, far beyond what other insurers typically permit. This unmatched flexibility can make it a compelling pick for those seeking to personalise their health cover.
WPA healthcare key points - at a glance
Here's a helpful summary of the key points of our WPA Health Insurance Review:
- WPA's health insurance plan for individuals and families is called Complete Health.
- Every Complete Health policy includes the same core benefits to form a solid base of cover from which you have the freedom to build on.
- You can tailor your policy to your own needs by adding a range of optional extras and setting different monetary limits for many benefits.
- The unrivalled control of WPA health insurance does place more onus on you to engage with the set-up process to craft the cover you want.
- The extras and monetary limits you choose will influence your premium.
- WPA has outstanding customer service and consistently leads the way for private health insurance customer reviews.
Just updated: Our expert ratings of the UK’s best private health insurance providers
Why it's always wise to compare before you buy
Buying directly from an insurer may seem simpler, but there are downsides you should be aware of. Their online quote systems rarely show all available plan options, and if you speak with them, they can only tell you about their own products, not advise you based on your situation.
An experienced broker can show you the full picture and help you find the right cover at the best price.
When you compare through myTribe, we match you with a health insurance broker that is vetted and actively monitored for customer satisfaction, speed and reliability of communications, and knowledge, so you get a genuine product expert helping you, not just a sales call. To get a personalised market comparison, please click below, and remember to let us know how you get on.
Rated Excellent
on
About WPA
WPA, which stands for Western Provident Association, is a not-for-profit company; it doesn’t have shareholders, which allows it to reinvest profits back into the business to the benefit of its members and team. Founded in 1901, WPA is dedicated purely to providing private health insurance and covers over 460,000 members.
WPA has one health insurance plan for individuals and families, and two types of business health insurance. This review focuses on WPA’s Complete Health product, which is designed for individual and family health insurance needs.
WPA Complete Health core benefits explained
Every Complete Health policy includes the same core benefits as a starting point for your cover. WPA uses a modular system, so you can decide whether you want to enhance the core benefits by adding a range of optional extras to create truly personalised cover.
The core benefits that come with all plans are fairly straightforward to grasp. In terms of outpatient treatment, it is important to note that WPA’s core cover will contribute up to £250 per year towards specialist consultations which is a welcome start. If you want a higher limit you will need to enhance this benefit through its Outpatient Consultations optional extra. As with most other providers there is no core cover for outpatient tests such as blood tests, x-rays and ultrasounds.
However, WPA does include complex scans such as MRI/CT/PET scans as standard, as well as any outpatient procedures performed by your specialist and any pre-admission tests. Likewise, the core benefits cover hospital treatment as a day patient or inpatient.
Additional core cover worth pointing out includes an NHS Hospital Cash benefit of up to £4,500 per year if you choose to be treated in an NHS hospital rather than a private hospital, and a range of health and wellbeing benefits, including access to remote GP services and counselling.
WPA Optional Extras: Tailor your policy to your requirements
While you can opt for a policy with just the core benefits, you will more likely want to tailor your cover to match your circumstances and budget; after all, that is the true strength of WPA’s private health insurance. For instance, you may be thinking about additional features like cancer cover, more extensive mental health support or a higher outpatient limit.
This flexibility is where Complete Health comes into its own. WPA Complete Health’s itemised system allows you to choose from a lengthy list of extras and set individual limits for many benefits, so you only pay for the cover you want and value.
In total there are 11 different extras that you can select from in the following areas:
You’ll need to actively engage when creating your WPA health policy
While we appreciate the vast freedom to customise your plan it does have a downside: WPA Complete Health is arguably more complex than other health insurance policies. Although you don’t have to choose any extras, if you treat the core plan as a straight off-the-peg healthcare solution you won’t make the most of what it can offer.
WPA’s tailored approach places a degree of personal responsibility on you to actively engage in the decision making process and think carefully about the cover you want. Those new to private health insurance could easily feel overwhelmed by the sheer number of options and may benefit from an insurance broker helping them set up their policy.
To be fair to WPA, it does make this process less daunting when you generate a quote on its website by showing the cost of three levels of cover side-by-side: core cover, mid-range and comprehensive, with different limits and cover automatically selected for each example. It’s a useful starting point, allowing you to adjust your cover on-screen and see how it affects your premium.
Find the best health insurance for you!
Request a free comparison quote, and we’ll connect you with an experienced health insurance specialist to help you find the best policy at the best price.
Compare QuotesWhether WPA will include any of your pre-existing medical conditions depends on the underwriting method you choose and your medical history. It will want to focus on how long ago the symptoms were or when you had treatment.
Moratorium underwriting typically excludes conditions you've had in the five years before the policy starts, so much older conditions could still be covered. Furthermore, with moratorium underwriting if a pre-existing condition doesn’t show symptoms or require treatment, advice, or medication for two continuous years after your policy begins, WPA should cover it.
If you opt for full medical underwriting, WPA will review your medical history upfront so it could possibly include some pre-existing conditions if it deems them to be of little or no risk.
What's not covered by WPA health insurance?
In common with other health insurers, WPA health insurance has some standard exclusions that apply to all its policyholders. These will be in addition to any personal exclusions for pre-existing medical conditions you may have. WPA’s general exclusions include:
For a complete list of exclusions, check out WPA's policy guide.
How much does WPA health insurance cost?
The cost of WPA private health insurance will be based on several factors, including your age, where you live, the level of cover and optional extras you choose, and your policy excess, which means it will vary from person to person.
According to our pricing research, the average cost of a WPA health plan is £38.55 per month for a 30-year-old and £52.32 for a 40-year-old. Our research shows that WPA consistently ranks among the most competitively priced health insurers across the different age ranges we monitor.
Read our guide to the average cost of private health insurance in the UK.
How do the optional extras impact your premium?
Having talked so much about WPA’s optional extras, you will probably be keen to learn how these might impact your premium.
As you'd expect, the cost of WPA health insurance increases with the optional extras you add and the level of monetary benefits you select. For instance, a WPA Complete Health policy with mid-range benefits (such as Comprehensive Cancer Care, £1K Outpatient Consultations, £1K Outpatient Diagnostics Tests, £500 Therapy and Cash Extras Level 1) will cost around 85% more than a core benefit policy.
Meanwhile, a comprehensive cover policy with all the bells and whistles and maximum cover is around 50% more expensive than a mid-range policy (see table below).
Now that you know how WPA healthcare works, it’s important to understand how it compares with other health insurance providers. In particular, where does it stand out, and where does it fall short? Here are some of the key differences to consider:
WPA health insurance offers several underwriting options, depending on whether you are taking out a new policy or looking to switch an existing policy from another insurer.
Underwriting for people with no existing health insurance
If you are new to private health insurance you can select moratorium or full medical underwriting. The only exception is if you are 66 or older, in which case WPA restricts you to joining on a full medical underwriting basis.
Underwriting for people with other health insurance companies
If you have existing health insurance cover that you want to move to WPA you can switch through continued moratorium or continued personal medical exclusions (CPME), depending on which underwriting you already have.
Some groups of customers may be eligible for discounts and offers when they take out WPA health insurance or once they have a policy in place:
Medical professionals discount
WPA will apply a 10% discount on the premiums for medical professionals (doctors, specialists, therapists, dentists, etc) when they buy WPA health insurance.
Refer a friend
Existing WPA members can receive £100 if they refer a friend who takes out a WPA insurance. This can be WPA’s individual health insurance (Complete Health), or one of its business health insurance plans (Enterprise Flexible Benefits or Precision Corporate Healthcare). Each household can make up to five referrals each policy year.
Membership discounts
WPA members can access health, wellbeing and lifestyle special offers via the My WPA Portal or the WPA Health app, including products and services from well-known brands such as Nuffield Health, Specsavers, Fitbit and Garmin. These offers include:
- Gym memberships
- Optical and hearing
- Health screening and assessments
- Keeping active
- Wellness support
- Meal subscription boxes
WPA’s Trustpilot reviews offer a great snapshot of the levels of customer service its health insurance customers have experienced.
WPA currently enjoys a rating of 4.7 out of 5 on Trustpilot from 4,767 reviews (5th January 2026), which is a higher rating than any other health insurer we've reviewed. Impressively, 88% of the reviewers gave WPA the full 5-stars suggesting strong customer satisfaction.
Much of the positive feedback centres around WPA’s efficient claims process, responsive staff and user-friendly mobile app.
Example WPA health insurance reviews from its customers:
“Generally you get what you pay for and dealing with WPA is almost always seamless and simple.”
“Professional, knowledgeable and compassionate customer service is consistent from WPA”
“Really prompt in dealing with my claim. Excellent customer service”
Is it worth having WPA health insurance?
Getting private health insurance can be a wise decision if you are looking to get quicker access to medical treatment and, based on your policy, a faster diagnosis without having to rely on the NHS. As well as shorter waiting times, private medical insurance also gives you more choice over where and when you receive treatment.
Whether WPA health insurance is worth it will depend on your personal healthcare needs, your budget and the health solutions you’re ultimately looking for. However, we think that WPA’s highly customisable health insurance, strong customer service, and competitive pricing make it a good health insurance company to consider and one of the best options for those seeking private healthcare in 2026.
Compare plans from the UK's top providers
Compare the UK's leading health insurance providers and get expert advice from an experienced insurance specialist.
How to get more information about WPA health insurance cover
If you'd like more WPA health insurance information, to read its terms and conditions, or access its product literature, visit its website.
For more independent expert analysis from us you can check out how WPA ranks against other providers in our review of the Best private health insurance in 2026 and see how its pricing compares in our research guide on how much private health insurance costs.
For a free comparison quote and to discuss your health insurance options with an expert broker please complete our form.
What our readers say
We are rated Excellent on Google from 150+ reviews. Our reviews relate to the service provided by both myTribe and its partners.
"The information was very helpful and informative. They put me in touch with an extremely helpful broker. I am now moving to a different provider, on a better policy, at a much reduced premium."
"Absolutely straightforward experience. The lesson? NEVER accept a renewal quote without shopping around!"
"Saved time and gave me a lot of insight. I could not have done that on my own."
Disclaimer: This information is general, and what is best for you will depend on your personal circumstances. Please speak with a financial adviser or do your own research before making a decision. The brokers we work with provide a comparison service from a panel of some of the UK’s top health insurers. Not every broker works with all the insurers listed in our guides.
Frequently Asked Questions
Does WPA cover GP visits?
WPA private medical insurance provides access to a private GP by phone or video through its Remote GP Services. Members can book 24/7 virtual appointments or telephone consultations with UK-registered GPs for advice, prescriptions and referrals at no extra cost.
How much is WPA health insurance per month?
How much you pay for your WPA private health insurance will be determined by your age, location, cover level and the optional extras you add to your policy. The more options you include and the higher the benefit levels you set, the more your monthly premiums will be.