- What is Private Medical Insurance?
- How is private health insurance different from the NHS?
- The main principles of Private Medical Insurance
- Additional Add On’s
- Underwriting Choices
- Common mistakes people make when taking out cover for the first time
- How much does private medical insurance cost?
- Which is the best health insurer?
What is Private Medical Insurance?
Private medical insurance focuses on providing fast treatment for acute conditions.
People choose to put private medical insurance in place for a number of reasons;
How is private health insurance different from the NHS?
Private medical insurance is designed to work alongside the services the NHS offer, but has a major focus on providing fast treatment for acute medical conditions. You can still use all the services the NHS provide, but with increasingly stretched resources health insurance allows you to gain control over when and where you receive treatment. As a private patient you will normally have your own room to recover in, unrestricted visiting hours and even access to drugs and treatments that are not available on the NHS.
Private medical insurance allows you to pick your own specialist, giving you the freedom of choice rather than having to go with the allocated option. This is appealing for many people as it allows them to research and pick a highly rated specialist. Different providers work with different specialists, to check which provider would be best for you speak to an adviser.
The main principles of Private Medical Insurance
Additional Add On's
When taking out a private medical insurance policy you can choose to add on a number of things, such as:
If you are new to private medical insurance, you will be given two options with regards to underwriting. Your medical underwriting will determine what your insurer will and won’t cover you for. It is especially important to get this right as a first-time buyer, which is why we urge people to contact us for free advice.
Common mistakes people make when taking out cover for the first time
Are you looking for some advice before taking out cover, then get in touch by calling 01242 350071
How much does private medical insurance cost?
There are many factors that determine the price of your private medical insurance. Some factors like age and postcode you will have little or no control over. There are however options you can choose that will impact on your health insurance premium, for example the amount of excess you choose.
To find out more about factors impacting on cost of health insurance and for a rough indication – Read our guide >> How much does health insurance cost?
Which is the best health insurer?
In all likelihood, you have heard of the main 4 or 5 UK health insurers, so how do you choose one insurer from another? Luckily, we are here to thoroughly compare policies to give you the best advice on which is the right choice for you.