Private and family health insurance
This includes core benefits and optional extras. Differing levels are available
Who is WPA health insurance?
Key benefits
WPA (Western Provident Association) is a UK based, not-for-profit insurer, founded in 1901. Unlike some other larger insurers they focus on healthcare and related cash-back and dental plans. Some key benefits are:
✔ Focus on health insurance
✔ Flexible and customisable premiums
✔ Not-for-profit model
Defatato rating (health insurance)
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Defaqto is an leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Phone number for current WPA customers
01823 625 230
Lines open Monday to Friday 8am - 7pm and Saturday 9am - 12pm
What health insurance does WPA offer?
Here are the main types of health related insurance the WPA offers.
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Dental plans
Dental maintenance and emergency plans that reimburse or help with costs of treatment
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Business health insurance
Health insurance products for businesses that can be offered as employee benefit schemes
Why trust WPA with your health insurance?
For more than 100 years, WPA has provided health insurance across the UK. The organisation is guided by values of trust, transparency and customer service
✔ Trustpilot rating 4.6 and described as excellent
✔ Which? recommended provider
✔ Not-for-profit therefore no external shareholders
✔ Independently audited
Data as of Sept 2025
WPA example quote
This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. Quote taken on 23.09.25
How do I make a claim with WPA?
When you take out WPA health insurance through MoneySuperMarket your insurance is provided by WPA and brokered by ActiveQuote. WPA will handle your insurance claim.
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Contact your GP
Many policies require a specialist referral to diagnose your condition
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Contact your insurer
Login to your WPA Health app on their secure My WPA website, or call on 01823 625230
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Complete & return claim form
Fill in your return claim form, taking care to fill in all details, sign and return.
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Receive decision & book treatment
Once authorised, you can book your specialist consultation, scans, tests or treatment at a recognised provider.
Frequently asked questions
What is the average cost of private health insurance in the UK?
The average cost varies considerably based on age, health, location and the level of coverage you require. Pre existing conditions is also a significant factor in the cost.
What is the best private health insurance company in the UK
At time of writing there a number of suppliers that receive 5 ratings including WPA. Other insurers with high ratings across a number of platforms are Bupa, Vitality and Axa Health
How does WPA compare to other insurers?
Feedback suggests that WPA’s premiums are moderately priced compared to larger providers. While this can sometimes make their policies appear more expensive, the flexibility to tailor comprehensive plans, combined with strong customer service, often makes the additional cost worthwhile.
Is WPA Which? recommended?
WPA stood out in the August 6, 2024 Which? review, earning an outstanding 82% Claims Score compared to the 72% industry average, and excelling in every measure of both claims and customer experience
Does WPA have an age limit?
WPA Complete Health has no maximum age for joining.
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Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Reviewed on 17 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Defaqto is an leading independent reviewer of financial products. WPA has been awarded a Defaqto 5-star rating, indicating it is among the most comprehensive and feature-rich products available in the market
Individual insurance products from WPA will have different ratings.
Data from the Defaqto website. Data from Sept 2025.
Accurate as of September 2025