WPA At A Glance

Complete Health: Built Piece By Piece

WPA's current flagship policy is called Complete Health (it replaced an older product called Flexible Health back in July 2023, so if you spot an old review mentioning that name, it's out of date).

What makes it stand out is how granular the building blocks are. Most insurers give you one shared pot of money for outpatient care, consultations, scans, and physio all draw from the same limit. WPA splits these into separate allowances instead, so your physiotherapy budget doesn't eat into your consultation and diagnostics budget, and vice versa. It's a small thing that makes a real difference if you end up needing more than one type of treatment in the same year.

Shared Responsibility: Not The Same As An Excess

This is WPA's own invention, and honestly, it's one of the reasons the World Health Organisation took notice.

An excess is a flat amount you pay before your insurer covers the rest. Shared Responsibility works differently: it's a percentage split. WPA covers 75% of an eligible claim, you cover the other 25%, and you set your own annual cap on how much of that 25% you're willing to pay across the year.

It's genuinely a different way of thinking about cost-sharing, and it can bring your premium down noticeably if you're comfortable with some cost exposure early in the year. It's optional though, not forced on every policy.

Cancer Diagnosis vs Cancer Treatment: They're Not The Same Thing

This trips people up, so it's worth being direct about it. Fast Track Cancer Diagnosis, the bit that gets you seen quickly and gives you unlimited scans and biopsies to find out what's going on, is included as standard.

Actual cancer treatment, chemotherapy, radiotherapy, surgery, is a separate optional extra called Cancer Care. It's not automatically included. Most brokers add it to nearly every policy they build for exactly this reason, but don't assume "cancer cover" is baked in just because diagnosis is.

Awards And Independent Recognition

A summary of the third-party ratings and awards behind WPA's reputation, rather than just our own assessment.

Independent surveys also point the same way: in a Populus poll of consultants, 62% said they'd recommend WPA, roughly double the next nearest insurer. Worth noting alongside its heritage as a single-product, not-for-profit specialist, WPA doesn't sell car, home or life insurance, health cover is the only thing it does.

WPA vs The Rest Of The Market

How WPA stacks up against the other major UK insurers on what matters most.

See our full insurer-by-insurer reviews for a deeper breakdown of each provider.

What Does WPA Actually Cost?

Because Complete Health is built modularly, your price depends on the choices you make, your outpatient limit, excess, hospital list, and whether you opt into Shared Responsibility. Here's a snapshot of Core-level pricing by age, alongside what Core, Mid-Range and Comprehensive actually include.

Based on third-party WPA quote data from March 2026, for a non-smoker in the East of England with a £100 excess. Prices in London and the South East run higher, one source puts London at around 57% above the national average.

Cover breakdown sourced from Which?'s WPA review. As a rough sense of scale, one broker's pricing analysis put the market average for a WPA Comprehensive-level policy at around £68.68 a month, against an overall average across all cover levels of £56.88 a month, though your own price will depend heavily on age, location and the exact options you choose.

A couple of other things worth knowing on price: WPA doesn't offer a couples or family discount, premiums are charged per person, and the standard no-claims discount can build up to as much as 70% over time for members who don't claim. Choosing a higher excess (options run from £100 up to £5,000) can meaningfully lower your premium, particularly for younger applicants.

For a fuller picture of what drives cost across UK insurers generally, see our health insurance cost guide and free price calculator.

For Employers

WPA For Business

WPA's business range is built around flexibility, letting you mix and match cover per employee rather than forcing everyone onto the same tier.

For larger organisations, WPA Protocol Plc, a wholly-owned subsidiary, builds bespoke self-insured schemes for companies operating their own Corporate Healthcare Trust. There's no maximum joining age on any of WPA's business schemes, and support comes via the WPA Healthcare Practice, an FCA-regulated advisory arm staffed by CII-qualified Healthcare Partners across the UK.

See how WPA compares for small business cover against other leading providers.

WPA Health Insurance FAQs