What is Private health Insurance?

Private medical insurance is designed to pay medical costs for an individual. These are usually the costs of in-patient medical care (i.e. the costs of treatment at a hospital when an individual has to stay for one or more nights).
In Britain, people take private medical insurance out often so that they can ‘go private’ in an emergency and get treatment outside of the NHS.
Private medical insurance is often abbreviated as PM

 

Why do I need Health Insurance?

Having medical insurance provides you with the peace of mind knowing that if you fall ill, your hospital expenses will be covered. No one can see into the future and health insurance can give you the comfort that you will be taken care of financially in times of sickness.

 

Do I have to go for a medical ?

The answer is NO. In 90% of our cases you will not require a medical. Most plans can go on risk without the need to visit your doctor.

 

What types of cover are available?

You can get cover in the following formats:

- Single (protects an individual)

- Couple (joint protection for you and your parnter or spouse)

- Family (protection for the wole family including children)

- Group (protection for your employees)

 

If I have existing medical conditions can I still get covered ?

Yes of course you can. There are a number of ways the insurance company can deal with them it really depends on the condition.

 

What providers can you use ?

- Bupa

- AXA ppp healthcare

- Norwich Union (Aviva)

- Pru Health Care

- Standard Life

- Exeter Friendly Society

- WPA

- Freedom

- Health Online

- AXA

 

I have an existing plan can I switch ?

Yes you can. Often we can save you money on a like for like policy as we are cheaper than if you went direct. Also we can look at getting you a more comprehensive policy or one that ssuits your needs due to changing circumstances.