Health Insurance

What is Health Insurance?

Health insurance, or private medical insurance, can cover the cost of private healthcare treatment for pre-agreed conditions.

Just like most types of insurance, you will pay a monthly premium. In return, you’ll be covered for a range of treatments that you will agree upon with your insurer.

Every UK citizen is entitled to free healthcare treatment with the NHS. However, there are various limitations and restrictions on NHS treatment that means you may wish to opt for private healthcare.

What does it cover?

Well, it’s really up to you. Every policy is different and what you get with yours depends on what you pick and who your insurer is.

Nonetheless, the standard policy on the lower end pay scale will most likely cover the costs of most in-patient treatments and day-care surgery.

A more comprehensive policy will likely extend to out-patient treatment and more specialist treatments included.

What’s Included?

• Physiotherapy
• Impatient treatment
• Outpatient treatment
• Hospital and surgeon choice

What’s Not Included?

• Emergency treatment
• Treatment quickly accessible with the NHS
• Maternity care
• Long term treatment or care for pre-existing conditions

Why Get Health Insurance?

There’s plenty of reasons to consider getting a health insurance policy.

Skip the Queues

As of mid 2022, the NHS backlog is enormous. There are currently 6.36 million people on an NHS waiting list. The more common surgeries, like knee replacements, have longer wait times than others.

With a PMI policy, you can skip the queues and get your surgery when you need it.

This a huge advantage if you’re middle aged and beyond. Instead of putting your life on hold for a year and a half whilst you’re on a waiting list, get your life back on track as soon as you can.

Request Referrals

Often, patients see their GP on the NHS and the GP won’t refer the patient or investigate it further. With a private healthcare policy, you’ll be able to request a referral and speak to a specialist.

Second opinions are important and a health insurance plan is the only way to ensure that you can always get one.

Preferred Location & Surgeon

With most health insurance plans you’ll be able to choose your preferred hospitals and surgeons.

So, if you don’t want to shipped miles away from your family, or you want to go to the specialist hospital for your condition, you can do that.