We understand you may not want to leave your health in the hands of the NHS, that’s ok because we are experts in finding you one of the best deals with private medical insurance.
Health insurance pays all – or some – of your medical bills if you’re treated privately.
It gives you a choice in the level of care you get and how and when it is provided.
Private medical insurance, also known as private health insurance, is a type of insurance that covers the cost of private medical treatment for policyholders. In the UK, private medical insurance is a popular way to supplement the care provided by the National Health Service (NHS).
This web page provides an overview of private medical insurance in the UK, including what it covers, how much it costs, and how to choose a policy.
Private medical insurance covers the cost of private medical treatment for policyholders. This can include consultations, tests, and treatments, such as surgery, chemotherapy, and physiotherapy.
Most policies also provide access to private hospitals, which offer a range of benefits over NHS hospitals, such as private rooms, shorter waiting times, and access to the latest treatments.
However, it’s important to note that private medical insurance typically does not cover the cost of pre-existing conditions, chronic conditions, or emergencies. These are usually covered by the NHS.
The cost of private medical insurance varies depending on a number of factors, including the policyholder’s age, health status, and the level of coverage required.
According to the Association of British Insurers, the average cost of private medical insurance in the UK is around £1,435 per year. However, policies can cost anywhere from a few hundred pounds to several thousand pounds per year.
Choosing the right private medical insurance policy can be a daunting task, but there are a number of factors to consider that can help you make an informed decision.
Firstly, it’s important to consider your own healthcare needs and budget. Do you have any pre-existing conditions or chronic conditions that you need coverage for? How much can you afford to pay for a policy?
It’s also important to compare policies from different providers to find the best value for money. Look at the level of coverage provided, the cost of the policy, and any additional benefits offered, such as access to private hospitals or specialist treatments.
Finally, it’s important to check the policy’s terms and conditions carefully to ensure that you understand exactly what is covered and what is not. Some policies may have restrictions on certain treatments or conditions, so it’s important to be aware of these before you sign up.
Private medical insurance can provide peace of mind and access to private healthcare for those who can afford it. However, it’s important to carefully consider your own healthcare needs and budget before choosing a policy, and to compare policies from different providers to find the best value for money.
Health cash plans
A health cash plan allows you to spread the cost of some of you and your family’s health care not covered free by the NHS for a regular, monthly premium.
Private medical insurance is not the same thing as a health care cash plan, and you can even have both at the same time. Health insurance usually covers you for treatment of conditions that develop after you take out the plan, whereas you can use a cash plan to pay for ongoing and routine treatments.