Health Insurance or Private Medical Insurance is designed to cover the costs of private medical treatment. Policy holders enjoy early consultations and fast treatment times without being subjected to long waiting lists. It may also mean treatment in a private hospital from some of the country’s top consultants and high patient/nurse ratios which can be crucial for a speedy recovery. These hospitals also insist upon high standards of comfort and catering as well as most having reduced risk of contracting superbugs such as MRSA.
Various levels of cover are available such as diagnostics or treatment, cancer care, complementary therapies, dental and optical care. Many insurance companies offer policy holders to pick elements of care which they would most benefit from or the option to have a fully comprehensive policy which includes everything. Some policies allow for anyone to be insured, even with pre-existing conditions; as long as there have been no symptoms in the past five years.
Discounts apply when excess levels are increased, no claims bonuses can be applied and restricting hospitals where treatment could take place, i.e. excluding the often more expensive London hospitals. For more ways to reduce premiums and for definitions, see our FAQ page, guide to Health Insurance and glossary.
If you already have a policy, our team will happily perform a review for you and assess if you have the most suitable or cheapest option available to you all for free.
For more detailed information or for an instant quote speak to one of our advisors by calling 0808 168 1262.