What WPA’s own policy document says about 10 parts of its Complete Health cover, quoted rather than summarised. Source: Private Medical Insurance — Insurance Product Information Document (Complete Health) (November 2025), read 4 September 2026.
| Benefit | What the document says | Page |
|---|---|---|
| Mental health cover | Mental health is a paid Optional Extra. It covers in-patient and day-patient treatment for up to 28 days or nights, and requires choosing an out-patient and therapy level of either £1,000 or £2,500. Structured counselling runs to 20 sessions. | 1 |
| Physiotherapy and therapies | Therapy cover is chosen at outset from five levels, including an unlimited option — the only unlimited therapy tier among the documents we hold. | 1 |
| Out-patient limits | Out-patient consultations with a specialist are capped at £250 a policy year as standard, extendable by buying the Extra Out-patient Consultations option. | 1 |
| NHS cash benefit | Treating on the NHS instead pays a tiered cash benefit — £150 a day or night for day-patient and short stays, £200 a night from three nights, and £150 a day for out-patient scans and procedures — capped at £4,500 a year. | 1 |
| Treatment abroad | Overseas emergency treatment is an option at two levels — 35 or 70 days a trip, capped at 180 days and either £250,000 or £500,000 — and excludes the USA and winter sports resorts. | 1 |
| Excess | As well as a per-policy-year excess, WPA offers Shared Responsibility, where the member pays 25% of eligible claims up to a chosen ceiling. No other document we hold offers a cost-sharing option of this kind. | 2 |
| Hospital lists | The standard list covers around 1,000 UK hospitals, clinics and scanning centres, with a Premium Hospitals option adding mainly central London facilities. | 1 |
| Waiting periods | A 14-day deferment period applies at the start of the policy: anything arising in the first fortnight is not covered unless declared and accepted in writing. | 1 |
| Chronic conditions | Long-term (chronic) conditions are excluded, alongside pre-existing conditions, fertility, pregnancy and childbirth, HIV/AIDS, cosmetic treatment, allergies — and varicose veins for the first two years on full medical or moratorium underwriting. | 2 |
| Cancer cover | Targeted cancer therapies under the Cancer Care option are funded only with curative intent and only where not available on the NHS, and adding it brings a minimum £500 excess. | 1 |
Mental health cover
Mental Health Treatment Optional Extra In-patient and Day-patient Treatment Up to 28 days/nights. If you add this benefit you must also choose a level of Mental Health Out-patient Treatment and Therapy. Out-patient Treatment and Therapy Choose: £1,000 or £2,500. Structured Counselling (Extended Therapy) Up to 20 sessions
Mental health is a paid Optional Extra. It covers in-patient and day-patient treatment for up to 28 days or nights, and requires choosing an out-patient and therapy level of either £1,000 or £2,500. Structured counselling runs to 20 sessions. (page 1)
6 insurers in our set document this. See mental health cover compared across 6 UK insurers.
Physiotherapy and therapies
Therapy – Choose: £500, £750, £1,000, £1,500 or Unlimited
Therapy cover is chosen at outset from five levels, including an unlimited option — the only unlimited therapy tier among the documents we hold. (page 1)
4 insurers in our set document this. See physiotherapy and therapies compared across 4 UK insurers.
Out-patient limits
Out-patient Treatment Consultations with a Specialist – £250 (increase with the Extra Out-patient Consultations Optional Extra)
Out-patient consultations with a specialist are capped at £250 a policy year as standard, extendable by buying the Extra Out-patient Consultations option. (page 1)
Only 2 of the insurers whose wording we hold address out-patient limits, so there is no comparison page for it yet.
NHS cash benefit
NHS Hospital Cash Benefit – non-cancer Maximum annual benefit limit of £4,500. NHS Day-patient/In-patient (less than three nights) – £150 per day/night. NHS In-patient (three or more nights) – £200 per night. NHS Out-patient Complex Scans and NHS Out-patient Procedures – £150 per day
Treating on the NHS instead pays a tiered cash benefit — £150 a day or night for day-patient and short stays, £200 a night from three nights, and £150 a day for out-patient scans and procedures — capped at £4,500 a year. (page 1)
3 insurers in our set document this. See NHS cash benefit compared across 3 UK insurers.
Treatment abroad
Overseas Emergency Treatment – Choose from two levels: Up to 35 days per trip (maximum of 180 days and £250,000); Up to 70 days per trip (maximum of 180 days and £500,000). Excludes the USA and its dependencies and winter sports resorts
Overseas emergency treatment is an option at two levels — 35 or 70 days a trip, capped at 180 days and either £250,000 or £500,000 — and excludes the USA and winter sports resorts. (page 1)
3 insurers in our set document this. See treatment abroad compared across 3 UK insurers.
Excess
Where an excess is chosen, you must pay your excess for eligible treatment up to your chosen level per Policy year before we provide benefit. Where Shared Responsibility (co-payment) has been selected, you must pay 25% of claims for eligible treatment up to your chosen level of Shared Responsibility.
As well as a per-policy-year excess, WPA offers Shared Responsibility, where the member pays 25% of eligible claims up to a chosen ceiling. No other document we hold offers a cost-sharing option of this kind. (page 2)
4 insurers in our set document this. See excess compared across 4 UK insurers.
Hospital lists
Premium Hospitals Extend the choice of 1,000 hospitals, clinics and scanning centres across the UK by adding Premium Hospitals, primarily based in Central London
The standard list covers around 1,000 UK hospitals, clinics and scanning centres, with a Premium Hospitals option adding mainly central London facilities. (page 1)
3 insurers in our set document this. See hospital lists compared across 3 UK insurers.
Waiting periods
A 14 day deferment period applies to any symptom(s) or condition(s), whether diagnosed or not, which arise in the first 14 days of your Policy commencing, unless declared to and accepted in writing by WPA.
A 14-day deferment period applies at the start of the policy: anything arising in the first fortnight is not covered unless declared and accepted in writing. (page 1)
Chronic conditions
Pre-existing conditions (subject to underwriting type). Long-term (chronic) conditions. Dental problems... Fertility problems, pregnancy and childbirth. HIV/AIDS. Cosmetic/aesthetic treatment. Allergic conditions. Varicose veins for the first two years of joining (if joining on a Full Medical Underwriting or Moratorium Underwriting basis).
Long-term (chronic) conditions are excluded, alongside pre-existing conditions, fertility, pregnancy and childbirth, HIV/AIDS, cosmetic treatment, allergies — and varicose veins for the first two years on full medical or moratorium underwriting. (page 2)
5 insurers in our set document this. See chronic conditions compared across 5 UK insurers.
Cancer cover
If adding the Cancer Care Optional Extra, Targeted Cancer Therapies/Advanced Therapy Medicinal Products will only be funded when given with curative intent, where not available on the NHS... a minimum excess of £500 will apply.
Targeted cancer therapies under the Cancer Care option are funded only with curative intent and only where not available on the NHS, and adding it brings a minimum £500 excess. (page 1)
4 insurers in our set document this. See cancer cover compared across 4 UK insurers.
The other documents we hold
- Aviva Healthier Solutions — 14 benefits quoted from its April 2025 document.
- AXA Health Personal Health — 12 benefits quoted from its October 2024 document.
- Bupa By You — 10 benefits quoted from its 2024 document.
- Freedom Health Insurance Freedom Elite — 4 benefits quoted from its April 2025 document.
- Saga HealthPlan Super — 5 benefits quoted from its May 2025 document.
- The Exeter Health+ — 10 benefits quoted from its October 2025 document.
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This quotes one document at one point in time, and insurers revise wording at renewal. It is general information rather than advice, and it cannot tell you what WPA would offer you personally — that turns on your medical history and the underwriting you accept. See also the guide to comparing UK cover and the list of FCA-authorised brokers.