The NHS provides for everyone that needs medical help in the UK. However, private health insurance gives peace of mind in knowing that if you require medical treatment, long waiting lists need not be a concern. You can retain a greater degree of choice for your treatment and the issues that surround it. There are several levels of cover available from basic plans that can cover a single person for major medical problems, through to complex plans that will cover the entire medical needs of an entire family.
This isn’t an essential protection cover, but having private health insurance can be a huge relief in a time when you need professional medical attention fast.
Depending on your level of cover, a health insurance policy could take care of a whole range of different requirements. This includes visiting a consultant or specialist, in or out patient treatment in a hospital, major operations, or ongoing treatment for conditions such as cancer. Usually a policy will also include provision for post-treatment care, such as any courses of medication required.
The cost of any insurance policy is dependent on several factors – age, gender, location, occupation, length of policy, level of cover required, and in some cases, what excess you would like on the policy. Other things that can affect the cost of a policy are health issues – for instance, if the policyholder is a smoker, or if they have any pre-existing medical conditions that could affect their health. Depending on the insurer, there may also be a moratorium on the cover, i.e. a set period of time after the cover officially starts that you would not be able to make a claim.
As with all insurance policies, it is very important that all information submitted to the insurer is complete and accurate, as any false, misleading, or incomplete information may invalidate any claims made. This could potentially leave you with no health insurance cover when you need it most.
If you have any questions then don’t hesitate to contact us! We’re always happy to help, no question is too simple or complicated, you can chat directly to us on our web chat function, give us a call, or submit a quote on our Personal Insurance Page.