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Complete Health's core covers in-patient and day-patient treatment, Fast Track Pathways for physiotherapy, skin concerns and cancer diagnosis, a £250 out-patient consultation allowance, an NHS cash benefit of up to £4,500 a year, 24/7 remote GP access and a wellbeing helpline. Around eleven optional extras sit on top, each with its own separate allowance, including cancer treatment, enhanced out-patient cover, diagnostics, therapies, mental health and dental.

Cancer diagnosis is core, through the Fast Track Cancer Diagnosis pathway, which covers unlimited complex scans and biopsies without touching your standard diagnostic allowance. Cancer treatment itself, meaning chemotherapy, radiotherapy and surgery, sits in a separate optional extra called Cancer Care. Brokers add it to almost every WPA policy, but it isn't included automatically, so check your quote specifies it.

A co-payment model rather than a flat excess. WPA pays 75% of eligible treatment costs however small the claim, you contribute 25%, and you set your own annual cap on that contribution. It applies per person per policy year, not per claim, so once you reach your cap WPA covers 100% of eligible costs for the rest of the year. On family policies, different members can sit at different levels. It's optional.

Yes, and this is unusual. WPA doesn't run guided consultant lists. You can use any specialist in the UK provided their fees fall within WPA's limits. That gives you more freedom than insurers who shortlist for you, though it also means more legwork finding the right consultant yourself.

Three routes launched in November 2025 that let you skip the GP appointment: physiotherapy through WPA's partner Ascenti with same-day appointments, skin concern support, and cancer diagnosis for breast, prostate or skin cancer symptoms. All are delivered through third-party providers and subject to those providers' terms.

Because a single shared out-patient pot means one type of treatment can exhaust another. With WPA, physiotherapy has its own allowance separate from consultations and diagnostics, so a course of physio early in the year doesn't leave you short for a scan later. Cancer diagnosis sits outside both.

By independent measures it's one of the strongest in the UK. It placed second of ten providers in 2026 private medical insurance ratings with 89.7%, for the second consecutive year, holds five-star ratings from Defaqto and Moneyfacts, is a Which? Recommended Provider, and won Moneyfacts Private Healthcare Provider of the Year 2026. Whether it suits you depends on whether you value consultant freedom and itemised allowances over a large guided network.

No. WPA's previous individual product closed to new business in July 2023 and Complete Health replaced it. If you find a review referencing the older product, it's out of date and shouldn't be used to judge what WPA offers now.