Private Medical Cover
What you need to know
Let’s start with understanding some of the basic terms and considerations so you can make an informed decision.
Using the NHS is not always possible. Private Medical Insurance gives you options on the care you receive.
Private Medical Cover is always good to have, especially with longer waiting times within the NHS. Going privately means you may been seen in weeks rather than years.
We can help you assess your eligibility for Private Medical cover. Different insurers have different criteria for who qualifies and what is covered.
What is Private Medical Insurance?
Using the NHS is not always possible. Private Medical Insurance gives you options on the care you receive.
Basic private medical insurance usually picks up the costs of most in-patient treatments (tests and surgery) and day-care surgery.
Private Medical Cover is always good to have, especially with longer waiting times within the NHS. Going privately means you may been seen in weeks rather than years.
There are a range of conditions or procedures that are not usually covered, such as pregnancy, cosmetic surgery or injuries related to dangerous sports.
Yes, there are..and each have pros and cons, according to your needs.
We would be happy to help you explore the type most suited to you!
We can help you assess your eligibility for Private Medical cover. Different insurers have different criteria for who qualifies and what is covered.
It's worth having a chat!
We know it gets confusing!
That is exactly why we’re here to explain your options and how to make it work for you!
....so, in a nutshell...
What are the ins and outs of private medical cover?
There are a whole range of benefits to reap from private medical cover.
Click below for more info!
Private health care is faster
It’s no surprise that, as hard as the system works, the NHS is backed up and queues are to be expected. It can take weeks for a consultation, let alone the treatment.
Private medical care offers you faster care, from consultation to treatment, and is one of the main reasons people opt to go private.
Mental Health
You might be able to choose a policy which covers mental health, depression and sports injuries but these aren’t always covered.
It does not cover pre-existing conditions
Private medical care does not cover pre-existing conditions, so it’s best to get the cover you would like to have before you become aware of anything for which you might want to seek private medical care.
Cover the costs
Basic private medical insurance usually picks up the costs of most in-patient treatments (tests and surgery) and day-care surgery. Some policies extend to out-patient treatments (such as specialists and consultants) and might pay you a small fixed amount for each night you spend in an NHS hospital.
Our role is to help you make an informed decision
You will undoubtedly have many more questions, so please feel comfortable enough to arrange a free, no-obligation chat!
Frequently Asked Questions
Here are a few of the questions we regularly answer for those who are wondering if this is the correct choice.
Just remember, we’re ready to chat and answer many more!
Here are a few of the questions we regularly answer for those who are wondering if this is the correct choice.
Not a problem!
Let's put the kettle on and have a chat. We'll have you up to speed in no time!
No. Private health insurance will not cover your existing conditions straight away. You may have to wait typically two years before the pre-existing conditions will then be covered depending on what the condition is and whether you meet other certain criteria.
Insurers have a standard list of exclusions and typically they can be things like, war, riots, HIV/Aids, or self-inflicted ailments.
Yes. We can tailor plans to suit your needs and budget. They do have extra options you can include or exclude to fit your budget
Yes. Premiums do normally go up with age and the things that may affect your premiums are things like your claim history and your insurer
Chronic conditions are considered as incurable so are normally covered on the NHS such as diabetes, so insurers do not normally cover these
No. Private health insurance will not cover your existing conditions straight away. You may have to wait typically two years before the pre-existing conditions will then be covered depending on what the condition is and whether you meet other certain criteria.
Insurers have a standard list of exclusions and typically they can be things like, war, riots, HIV/Aids, or self-inflicted ailments.
Yes. Premiums do normally go up with age and the things that may affect your premiums are things like your claim history and your insurer
Chronic conditions are considered as incurable so are normally covered on the NHS such as diabetes, so insurers do not normally cover these
Yes. We can tailor plans to suit your needs and budget. They do have extra options you can include or exclude to fit your budget
