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Comprehensive, flexible private health insurance tailored to you, from inpatient care to mental health support, dental cover, and more.
Get Your Quote TodayWPA (Western Provident Association) is a UK-based non-profit organisation specialising exclusively in health insurance. With over a century of experience, WPA partners with individuals and businesses to offer tailored health insurance policies that deliver comprehensive protection and peace of mind.
The Reading Work People's Voluntary Hospital Contributory Fund was established in 1901 by a group of workers to support their members and the costs associated with their health care. In 1939, the fund absorbed the Bristol Hospital Fund, and in 1949 both were renamed the Western Provident Association (WPA). The WPA moved from Bristol to a purposefully designed building in Taunton, Somerset in 1992.
The World Health Organisation report noted that the WPA, through shared responsibility, or coinsurance policies, "was leading the field," in which members of working-age population were responsible for a certain amount of the liability up to a capped limit.
Key Features and Advantages of WPA Health Insurance:The Complete Health policy covers full inpatient care, including hospital fees, consultations, diagnostic tests (MRI, CT, PET scans), and therapy sessions. Outpatient treatment includes specialist consultations, pre-admission tests, and complex scans.
Our health insurance plans offer flexible Outpatient Cover options, Cancer Care, Dental Care, and Overseas Emergency Treatment, along with access to over 1,000 Premium Hospitals, including central London. They also include Mental Health Treatment with inpatient stays and structured counselling.
Access a private GP via phone or video, with private prescriptions and specialist referrals.
Expert telephone support covering mental health, lifestyle advice, and wellbeing information.
If you choose NHS treatment instead of private care, WPA offers cash benefits up to £4,500 per year for inpatient and outpatient care.
Home nursing cover for up to four weeks and full cover for medically necessary private ambulance transport.
Accommodation for one parent if a child requires inpatient treatment, up to 10 nights.
Recommended Provider for Private Medical Insurance (2024 & 2025) and Health Insurance Provider of the Year by Moneyfacts (2020–2023), we’re proud of our consistent excellence.
With Moratorium Underwriting, you can join without disclosing your medical history, while Full Medical Underwriting requires a full declaration. You can also choose an excess between £0 and £500 to suit your preference.
Access a wide range of private hospitals, including BMI, Nuffield, Spire, Ramsay, and private NHS wings. Add Premium Hospitals for central London access.
Use the WPA Health App to manage your account, track claims, and access services on the go.
Tessa Alliance helps you compare plans, select the right coverage, and manage claims efficiently so you get personalised health insurance without paying for unnecessary extras.
