Health Insurance is Insurance that covers a person incurring medical expenses by estimating the overall risk of health care and health system expenses.

Insurers offer a routine finance structure or monthly premium to provide the money to pay for the health care benefits specified in the insurance agreement.

Premiums are often very inexpensive and offer levels of cover that could pay out enough to cover an entire mortgage policy.

The UK’s National Health Service (NHS) is designed to provide medical treatment and support to everyone, regardless of their ability to pay. But while it provides a valuable service, paying for Private Health Insurance offers three key advantages:

  • shorter waiting times
  • quicker diagnosis
  • better facilities, such as a private room

Health Iinsurance can also offer access to specialist drugs and treatment that may not be available on the NHS or affordable to pay for directly. Its overarching aim is therefore to provide you with the comforts and reassurance you want from your initial consultation through to your aftercare.

There are a few health care options:

  1. Individual Health Insurance
  2. Family Health Insurance
  3. Child Health Insurance
  4. Joint Health Insurance

What does Private Health and Medical Insurance include?

What you are covered for depends on your provider, but there are some elements usually included in most policies:

1. Inpatient treatment

Most policies cover the costs of inpatient treatment (where you need a hospital bed for the day or overnight), including tests and surgery.

2. Outpatient treatment

Outpatient treatment (where you see a consultant or have diagnosis tests) is covered under many policies but the amount you can claim for may be capped. Cheaper policies cover fewer types of out-patient treatment and have lower caps.

3. Hospital accommodation and nursing care

A stay in hospital and limited nursing care is included in most policies.

4. Exclusive drugs

Some policies will include drugs unavailable on the NHS, but that have been approved by the National Institute for Health and Care Excellence.

5. Extra cover

Cover for psychiatric treatment varies between insurers. Comprehensive policies may include psychiatric treatment, but not all do.

Some policies also offer complementary therapies, a private ambulance, home nursing, a 24-hour advice line and parental accommodation if your child is in hospital. Again, a comprehensive policy is more likely to cover these areas.

To ensure that you get the best private health insurance visit Which? for further information.

Or please search the A-Z directory for further contacts.

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