Health insurance provides quick, private healthcare for you and your family when you need it the most, but is it right for you?
Finding cheap health insurance is easy – just call (0800 862 0360) with your details and see a range of the most comprehensive and affordable health insurance policies.
Health insurance, otherwise known as private health care, or private medical insurance, allows you to receive private medical treatment for a fee. But why should you consider private health care when you can get free health care from the NHS?
Read our guide to learn more about the pros and cons of private health insurance, and if it could be right for you.
Before you compare medical insurance suppliers it’s important to check the following details:
There are usually two types of policies:
a) moratorium underwriting, which won’t cover you for any pre-existing illnesses or any health problems you’ve had in the last 5 years. However, if you suffer no symptoms, seek no medical advice and have no treatment or medication for these pre-existing conditions they can become covered again in the future. This period tends to be 2 years symptom, advice, treatment and medication free.
b) full medical underwriting, where you complete a medical questionnaire and the insurer will give you a definitive answer as to what is covered before your policy begins.
Most insurers will only cover you for new conditions, and treatments that can be administered over the short-term. As a result, long-term illnesses or regular care over a long period such as for a standard pregnancy or cosmetic treatments are less likely to be covered.
If you do have some specific areas of concern with regards to your future health, then check with the insurer whether or not you will be covered for them and to what level.
Like most other forms of insurance, you will get to select the level of cover you require, be it comprehensive, or a selection of a few areas.
Depending on your budget, you may wish to add in a few extras such as blood tests and x-rays, pick which hospitals you’d like access to, and how much excess you wish to pay.
Naturally, the more comprehensive your cover, the more expensive your premiums are likely to be. So it’s important to identify how important each area of cover is to you, and whether or not you would prefer to just get it on the NHS.
Health insurance can also provide cover for cancer treatment, including drugs and therapies that may not be approved for use by the NHS.
In a medical emergency you would still use Accident and Emergency but if you have a health insurance policy you can be moved to a private hospital if you require further treatment or for recovery.
The benefits you’ll receive from your private health insurance plan will depend on your level of cover, but in general you’ll be able to:
Generally, people choose private health care over the NHS because they’ll be able to get appointments faster and more convenient to their schedule.
Getting time to see a specialist after being referred by the GP might also be quicker.
Most private hospitals give patients a private en-suite room with TV, a selection of food and up-to-date technology.
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