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Also known as Private Medical Insurance, it allows you to get expert advice quickly, avoiding lengthy waits for consultations, tests and treatment. Policies are renewed annually and can be paid monthly or in a lump sum.
Faster access to diagnosis and treatment
A choice of where and when your appointments are
Access to a wider range of care, drugs and therapies
A choice of specialists and consultants
Private rooms and facilities
Private Health Insurance is designed to work alongside the NHS, not to replace it. You may need to use NHS services for certain treatments and for things like A&E.
It is designed to help when the unexpected happens and cover you for acute conditions.
It isn’t meant to cover you for conditions you already have, are predictable or are chronic (like diabetes or arthritis).
Health insurance has many levels of cover from basic to comprehensive. Deciding which policy to choose comes down to your personal budget and circumstances.
Providers offer a choice of hospitals and it’s important to think about where you’d like to be treated. There’s usually a guided option at a lower cost – in the event of a claim, you don’t get to choose the hospital but are guided to the most suitable location and specialist.
Individuals | Couples | Families
The illnesses and treatments you choose to be covered for will affect the amount you pay. But it is possible to reduce costs by agreeing to a policy excess of, for example, £100 or £200.
We can help design a policy that meets your requirements and is within your budget.
We can help arrange Group Health Insurance for any organisation, from sole traders to large limited companies. Here are four benefits:
Helps with recruitment and retention as part of an employee benefits package
Helps reduce absences and can speed up returns to work after illness or injury
Helps to minimise the costs of sickness absences
Premiums are tax-deductible for employers
Premiums vary significantly depending on the level of cover. You can reduce costs by agreeing to an excess. We can help design a policy that meets your requirements and is within your budget.
There’s no medical declaration. Policies are based on the understanding that if you’ve had symptoms or been treated for a condition in the last five years, you won’t be covered for it until:
a) you’ve had the policy for two years in a row
b) you haven’t had any medical treatment, advice, drugs, or been on any special diets relating to that condition, for two years in a row.
You might choose this option if you are happy with the stated conditions (above) and don’t want to complete a full medical declaration.
Health insurance is designed for acute conditions which start after your policy begins.
Acute condition: a disease, illness or injury likely to respond quickly to treatment resulting in a full recovery.
This is important for a lot people.
Cover varies but benefits often include:
Policies do not typically cover them, although sometimes there’s an option to add cover for unexpected flare-ups.
Chronic condition: a disease, illness or injury that requires long term treatment, has no known cure or is likely to come back, for example diabetes, arthritis or asthma.
Any illness or condition that you had before the policy was taken out – anything you’ve been tested for, treated for or diagnosed with.
Some policies are stricter and exclude conditions you’ve had symptoms for but not been diagnosed with, for example heart problems, respiratory illnesses and diabetes.
Procedures to change your appearance are not generally covered because cosmetic surgery is considered a lifestyle choice.
However, most insurers will pay for reconstructive surgery for medical reasons. For example, to restore your appearance following an accident or cancer surgery
We’re committed to maintaining high standards of professional and ethical conduct and proud to be a member of the Association of Medical Insurers and Intermediaries.
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