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What Is Health Insurance?
You never know when an unexpected illness or injury might strike. That’s where private health insurance comes in - it’s your safety net to get medical care quickly without worrying about huge bills.
In the UK, we all have access to free healthcare through the NHS. But private medical cover gives you even more options! It allows you to:
Get treated at private hospitals and see private medical specialists.
Often get seen way faster than NHS wait times.
Access medications and private healthcare treatments not available on the NHS.
There are several types of private policies in the UK - ranging from basic cover to comprehensive. Entry level plans may not offer any outpatient allowance, or force you to utilize the NHS if you could be seen quickly. Comprehensive policies will normally come with unlimited outpatient, daypatient and inpatient allowance. Cancer cover will usually be extensive, it may even cover additional options like therapies and mental health. You can also specify your hospital access lists with most providers - which will reduce/increase the overall cost. Make sure to ask which facilities you can use on the proposed policy before committing to the plan.
What Does Private Health Insurance Cover?
With most private medical insurance plans, you’ll enjoy:
Inpatient diagnostic tests and surgical treatment.
Outpatient consultations, diagnostics and follow-up care.
Specialised physiotherapy services.
Critical illness coverage for serious health conditions like cancer.
Virtual or in-person diagnostic tests with GPs.
Radio/Chemotherapy treatments from cancer specialists, with drugs often not available on the NHS.
What Private Health Insurance Does Not Cover
While our policies aim to provide comprehensive private medical coverage, some exclusions and limitations typically apply under policies. However, exact exclusions can vary depending on the plan you choose, so be sure to review carefully.
Common exclusions found in many UK private health insurance policies may include:
Any pre-existing or chronic conditions you had before purchasing a plan, unless agreed in writing.
Certain cosmetic treatments like LASIK, tummy tucks, etc. (medically necessary may be covered).
Specific policy limitations and UK underwriting clauses outlined in plan details.
Don’t worry - our advisors will walk you through all the terms and limitations. Together, we’ll customise the perfect private medical insurance for YOUR needs!
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Start A QuoteWhat Types of Health Insurance Plans are Available?
Choosing the right private medical insurance is key to getting the coverage you need at a price you can afford. We offer a variety of plans designed to fit different lifestyles and budgets:
Family Health Insurance Policy
Combine you, your partner, and any kids under one convenient and cost-effective policy. Covers everyone’s medical essentials!
Corporate Plans
We partner with businesses both SME and Group to provide quality private medical benefits for employees.
Individual Plans
Customised coverage just for you. Perfect for single adults or couples who want health insurance flexibility.
Expat Plans
If you’re a UK citizen living abroad, we’ve got international health insurance solutions to keep you covered.
No matter your situation, our advisors will help you select the perfect plan type and coverage level to protect you and your loved ones.
What Types of Health Insurance Plans are Available?
Choosing the right private medical insurance is key to getting the coverage you need at a price you can afford. We offer a variety of plans designed to fit different lifestyles and budgets:
Faster Treatment
Our top benefit! Bypass NHS waiting lists to get seen and treated quickly by private specialists.
Choice of Premium Providers
Access elite private hospitals and consultants for exceptional medical care.
Comprehensive Coverage
Our plans cover a wide range of treatments, drugs, and services often excluded by the NHS.
Our insurance experts will ensure you weigh both the pros and cons carefully. Together, we’ll find the policy that delivers maximum benefits for your healthcare needs and budget.
How Private Health Insurance Works
Taking out private medical cover is straightforward, but understanding the process is key:
1.
Get a Quote
We’ll ask some basic questions about your age, medical history and desired coverage to generate a personalised quote.
2.
Review Policy Details
Our team will walk you through all policy terms, coverage exclusions, premium costs and more.
3.
Sign Up for Coverage
Once you’ve selected the right plan, enrol online or over the phone. Coverage starts on your policy date!
4.
Seek Private Treatment
When you need medical care, simply provide your policy details and authorisation from your insurer at any private provider they approve.
5.
Submit a Claim
Your health insurance provider handles all claims directly with the private hospital, consultant or facility to keep things seamless for you.
Making a claim is hassle-free when you’re with us. We’re committed to providing exceptional service and giving you complete peace of mind whenever you need private healthcare.
Key Considerations When Choosing or Switching Providers
With so many private health insurers available in the UK, it’s critical to do your research. Here are some important factors to consider:
Hospital & Consultant Choice
What private facilities and doctor networks are included in the policy? More choices equals better access to treatment.
Policy Cost Value
Is the premium worth it for the level of cover provided? Avoid overpaying for services you don’t need.
Customer Satisfaction
Check independent review sites and ratings to gauge an insurer’s customer service reputation.
Cover Comparison
Carefully review and compare policy documents side-by-side to assess exclusions, limits and out-of-pocket costs.
Healthcare Needs
Consider any specific treatment requirements your household may have both now and in the future.
Switching Ease
If already insured, understand how to smoothly transition your cover between providers when needed.
Let our expert insurance advisors guide you! We’ll provide impartial advice and make sure you choose the best-value private healthcare cover for your unique situation.
Frequently Asked Questions
Get Answers to Common Queries About Health Insurance Coverage
Which is the best private insurer in the UK?
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.
What if I have a pre-existing condition?
While often excluded from standard plans, our advisors can help you find specialist insurers and medical insurance policies that cover any pre-existing medical conditions you have.
What if my employer provides insurance?
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.
“Ready to secure your health and peace of mind? Contact us today to explore your insurance options!”