Protect yourself and your family
Protecting yourself and your family in the event of illness, while having access to the best medical care is becoming increasingly important. We aim to understand your needs in relation to healthcare and provide a bespoke solution to give you peace of mind.
Private health insurance covers a range of acute conditions but not chronic conditions. If you need treatment for a condition that has come on suddenly then your insurance can cover the cost of getting private treatment which is sometimes thousands of pounds. We must stress at this point that private health insurance does not cover you for a pre-existing condition.
How does health insurance work?
Health insurance works in a similar way to other insurances where you pay a monthly payment (sometimes annually) and you can claim on your insurance if you need treatment. Premiums normally increase annually. Every time you claim, you will need to pay a small excess (this can range from £0 to £500) however the rest of your medical bill will be covered by your insurer. If any relevant information provided, when applying, is not disclosed accurately and honestly, this could result in any cover offered becoming invalid and/or may result in the non-payment of any future claims.
The question many people ask, is it worth getting private health insurance? This truly depends on your personal circumstances.
What does health insurance cover?
Like all insurance, the cover you get from private medical insurance depends on the policy you buy.
Basic private medical insurance usually picks up the costs of most in-patient treatments (tests and surgery) and day-care surgery.
Some policies extend to out-patient treatments (such as specialists and consultants) and might pay you a small fixed amount for each night you spend in an NHS hospital.
What isn’t covered by health insurance?
Your healthcare insurance usually won’t cover private treatment for:
- organ transplants
- pre-existing medical conditions
- normal pregnancy and childbirth costs
- cosmetic surgery to improve your appearance
- injuries relating to dangerous sports or arising from war or war-like hostilities
- chronic illnesses such as HIV/AIDs-related illnesses, diabetes, epilepsy, hypertension and related illnesses.