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How do I purchase health insurance?

How do I purchase health insurance?

Do you want to know how to purchase health insurance but are unsure where to begin? The coverage you will receive, as with all insurance types, depends on the provider and your particular policy. Private health insurance is intended to cover all or a portion of your costs when receiving private medical treatment for acute, short-term conditions. You may be able to avoid waiting lists and select your own hospital and physician. Sometimes you can even obtain specialised care that the NHS does not provide.

Step One: Search for quotes

The first step is to search for quotes so you are aware of the coverage options and associated costs. Visit Compare Medical Plans to review quotes from several providers. You can choose the insurance that best suits your requirements and price range. Highlight your needs and expectations by filling out the short form on our website. One of our partners will then compare a number of plans to discover the one that best fits your situation. Once you are aware of your options, you can choose what to do. We are free and confidential, and there is no pressure to accept any of the quotes provided.

Step Two: Apply for and purchase health insurance

Applying for private health insurance is the next step after finding the ideal offer for you. Your chosen insurance provider will likely need more information from you than you provided to get a quote. This will typically include your occupation, full address, the start date of coverage, and payment information. Depending on the underwriting applied to your policy, you may or may not be required to disclose your medical information. For example, full medical underwriting requires you to disclose your medical history to your insurer as the point of application whereas moratorium or medical history disregarded (MHD) underwriting does not require this. To ensure that there are no issues with your application, it is crucial to confirm the underwriting strategy that applies to the policy you have chosen.

Step Three: Check the details

Make sure to read the policy materials after your purchase to fully understand what is covered and what is excluded. You will continue to be able to use NHS services after your coverage starts. You could also have access to the private healthcare system for eligible claims too. 
If you’re interested in a private health insurance plan, head to https://comparemedicalplans.net/ to get your free, no-obligation quote today.

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