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What is health insurance?

Health insurance, also known as private medical insurance, is a form of insurance which pays for the medical treatment required, if yourself or other insured persons becomes ill or suffers injury.

Whilst most people in the UK are entitled to free healthcare under the excellent National Health Service (NHS), it is under extreme pressure, as we have all witnessed first-hand through the current Covid-19 crisis.

This has impacted waiting lists further, often delaying diagnosis and treatment. By joining a health insurance scheme, you pay a monthly premium to the provider, who then pays for the cost of the medical treatment when required.

Why do I need health insurance?

The UKs population is continuing to grow in numbers, but the NHS is not growing in line with this increase, causing it to buckle further.

  • Over 4 million people are waiting for treatments on the NHS.
  • The NHS targets for treating cancer patients within 62 days of GP referral have not been met for over 5 years.

If you are diagnosed with an illness, you are going to require the most urgent care, but can you afford to wait and be treated by the NHS? Private medical insurance provides you and your family the peace of mind and assurances you require if the situation arises.

Due to the cost of some treatments and drugs, not all are available via the NHS, but are accessible through private health insurance. This provides additional comfort and value in private care.

How do I get health insurance?

By completing the few questions on the above form, Compare Medical Plans can assist start the process of finding you the right policy. One of our partners will then discuss your existing circumstances, to understand what level of cover and the most suitable products you require, for a premium that is in line with your budget.

Are all plans the same?

Not at all. There are a variety of different plans available, depending on your circumstances and the type of cover you require and crucially budget.

There are three main cover options available:

Basic – Basic health insurance will usually cover most in-patient treatments you require, including tests and surgery.

Comprehensive – covers everything basic would, but with additional out-patient treatments, scans and tests that you require. Certain plans will cover you for conditions such as mental health, something that has come to the forefront in recent times.

Intermediate – some insurers will offer a middle offering, also known as pick and mix style policy. This is taking the basic cover, but with some of the additional services provided by the comprehensive offering.

All the above options are available as an individual, joint or family policy basis.

Health Cash Plans v Private Health Insurance?

You may have seen adverts or even received information on policies offering benefits for very little cost, but they are not private health insurance plans. These cash plans provide money back on everyday healthcare bills, such as opticians, dentist or a physiotherapist, up to an annual limit.

Private health insurance provides a more comprehensive cover including diagnosis, consultations, scans and treatment.

Are there any age restrictions to taking out a policy?

You must be over 18 to take out your own policy. If you are younger than this, you would qualify as a “dependent” on a parent or carer’s policy. There are no upper age limits, so whether you are 19 or 90 you can still take out a policy. Although bear in mind, the older you are, the higher the costs of the policy.

How much does private health insurance cost?

Prices for individual health insurance start from only £25 per month. The cost is based upon a number of contributing factors such as age, postcode, lifestyle and current health. So if you are a non-smoker, undertake regular exercise and have a good diet, will be looked at more favourably than someone who is the opposite.

In addition to these factors, the cost will be influenced by the type of plan you take, as comprehensive is going to be more expensive than the basic options.

Are all treatments covered by health insurance?

As with all insurance policies, exclusions apply to health insurance. Pre-existing conditions are generally excluded from new plans, along with some treatments and serious illnesses including:

  • Fertility treatment
  • Drug rehabilitation and treatment
  • Cosmetic surgery
  • Emergency medical treatment (private hospitals are not permitted to have A&E)
  • Chronic or incurable diseases such as HIV and Diabetes

How do we assist?

Obtaining the right policy often involves a minefield of questions and jargon to understand, prior to getting the results. By this time you are confused and are unsure if you are making the right choice. We are here to make the process as seamless as possible. By completing the short form on this page, we will be able to start the process of obtaining your quotes.

Our services and any advice received is free of charge via an FCA authorised company. There is no obligation to purchase any of the products recommended but choosing the incorrect options could be costly. It is your choice but let us help you make the right one.

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