Private Health Insurance
- Expert care from leading health professionals
- Applying now allows you to jump NHS waiting lists
- Quotes from some of the UK’s leading insurers
- Safeguard you and your family’s health today
Private health insurance policies are designed to cover the cost of private medical treatment both as an out-patient and in-patient. Cover includes fees for consultants, surgeons and anaesthetists, as well as private ambulance and hospital room charges.
There are different types of private medical insurance policies. Some policies will provide you with a cash pay-out should you decide to use the NHS rather than private care. The cost of these policies is based upon the age of the proposer, the hospital band required and the number of family members to be included under the policy. Hospital bands are worked out depending upon the area you live in and what facilities they have available.
Some insurers offer reduced premiums for certain policy exclusions, for example, no out-patient cover. You can also reduce the cost further by electing to pay an excess on the policy.
Premiums are reviewed annually. What you will pay increases as you get older or make claims on the policy. Many private medical insurance providers do not require medical evidence from new applicants but be warned; they will not pay-out if you do not declare an existing medical condition and subsequently try to claim for it.
Benefits from private medical insurance policies are not generally taxable.