When choosing private health insurance it is important to consider all the options available to give you peace of mind that you have the appropriate level of cover for you and your family. With many different companies offering health insurance in the UK, there is more to consider than just the monthly price of cover.
Please note that with any new PMI (private medical or health insurance) policy any pre-existing conditions will generally be excluded from cover. New conditions developed since the policy start date maybe eligible. If you currently hold a PMI policy you may be able to transfer your policy (“switch”) to another provider and continue the same cover provided you meet the right criteria for the insurer.
You will want to look a what is covered by your private health insurance policy including any exclusions, as well as consider any pre-existing medical conditions you may have. Other factors include whether you will be covered for out-patient care as well and in-patient, the level of services you may be provided whilst in hospital, and even where your nearest hospital is. Shorter travel times for relatives to visit should you be in hospital for an extended time can significantly reduce the stress of a hospital stay.
There are so many combinations of private health insurance providers and levels of cover that it can seem a daunting prospect to make the right choice. Our advisers can help by explaining what levels of cover can be provided by all the main UK health insurers, factoring in price, services provided, and your own personal circumstances. This doesn’t take long and you are then free to consider your options and make the right choice just for you.
When choosing private health insurance it’s important not to just go direct, or choose the first quote you receive: Our private health brokers have years of experience in explaining the options and once you have decided which one is right for your, they can obtain a great rate on premiums, often saving more than going direct!