There’s no one-size-fits-all answer, as the “best” insurer depends on your personal requirements and budget. We provide impartial advice to match you with top-rated providers. You can take a look at how the insurers stack up against each other here though.

This comes down to two things generally. 

1. Are you on cover already
2. If so, how well managed is the condition / when was the last time it needed treatment.

Now treatment could be deemed ongoing medication, or still being under the care of a consultant. Some Insurers are a little more flexible if those consultations are for piece of mind, rather than medical need. 

You MUST get proper advice from a qualified consultant here, so that you get the best underwriting terms available. We can often maintain cover for pre-existing conditions. There are even scenarios, where very old exclusions on existing plans can actually be reviewed/removed through fresh Full Medical Underwriting, or a new moratorium (if we deem you suitable for this).

 

Company health plans are a great employee benefit. We’ll review your workplace policy and make suggestions for any additional private top-up coverage you may need. If you ever need t leave the company plan (if the company ceases the benefit or you move jobs), we can give you the right advice about how to continue privately. You can take out a ‘group leaver’ product, which tends to be expensive, or a brand new moratorium, if you are suitable for this type of underwriting. 

 

This comes down to how long you typically spend in hospital, and what you are there for.

Outpatient> Is where you visit for a very short period of time, this could be for a consultation, a diagnostic test (like bloods, MRI, CT, PET scans) or follow up appointments.

Daypatient > Means you are using a bed just for the day – very minor surgery with little anestetic typically. A good example of this would be cataract removal.

Inpatient > You are in hospital for at least one night, usually following more invasive treatment. 

As a standard rule, even the most basic proper PMI cover will provide full In & Day patient facilities, unless you’ve opted for a shared responsibility scheme (probably not advised in most scenarios)

 

This all comes down to your postcode lottery & level of access on your doorstep.

In some areas of the UK, a reduced hospital list may see you travelling an unreasonable distance for a proper private hospital, or having to use a private wing in an NHS facility. Whilst in others, you may still be able to access the closest units of choice. 

In Greater London, the hospital density is very high, however some of them are very expensive for Insurers to cover. That’s where premium hospital lists tend to be the most costly. Best thing is to speak to one of our team to give you a personal walkthrough of your options, or your welcome to check out the latest hospital lists in our handy resources area.