Health Insurance

Your insurance provider will liaise directly with our dedicated team to sort out everything to do with prices of treatment, and you can focus on getting better. Once you have a referral, you should be able to use your private to pay for treatment at any of our private hospitals, with any of our consultants. However, if you already know you need treatment, but don’t yet have health insurance, buying a new policy will not cover the treatment you need. Instead, take advantage of our pay-as-you-go healthcareoffer, which includes options to spread the cost of treatment. Therefore, most private medical insurance doesn’t cover treatment for conditions you’re already suffering from until after a specified treatment free period. An excess is a fixed fee you pay towards the cost of any private healthcare treatment you claim for.

PMI tends to cover ‘acute’ conditions, which means diseases, illnesses or injuries that are likely to respond quickly to treatment, returning you to the state of health you enjoyed previously. That can mean that long-term illnesses fall outside of your cover. We compare dental insurance policies and explain whether you could be better off with the NHS or a dental payment plan. Your GP may be able to provide some advice, as might your health insurer. With a co-payment, you commit to paying a percentage of a claim’s cost (say 10% or 15%) up to a maximum amount (say £1,000). Once you have picked a policy, you can start to cut costs by tweaking the cover.

If you’d like to be covered for diagnostics and specialist consultations you’ll need to take out our out-patient option. Health insurance, also known as private medical insurance, is a policy that covers the cost of private healthcare. Depending on your level of cover, it can be used to pay for everything from private hospital stays to diagnostic procedures, surgery, physiotherapy and more. Not every private health insurance policy will have the same kind of excess, so it’s important to first familiarise yourself with all available excess options from your chosen provider.

Digital GP services, Bupa health and wellbeing plans and Bupa Private GP services are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Our range of cover options allows you to adapt aspects of your health insurance to suit your needs. We’ve been improving our policyholders’ access to healthcare for over 150 years – find out more about the Medicash Group, our values, and our history. AIG business insurance – From multinationals to SME’s, our range of business products ensures that your business is covered for all eventualities.

With a moratorium plan, you will only need to give limited information to your insurer. Your policy won’t pay for longer-term treatment such as kidney dialysis, or illnesses such as asthma. Some policies will include drugs unavailable on the NHS, but that have been approved by the National Institute for Health and Care Excellence. We’ll let you know how to pay your excess when we send you a statement following a consultation or treatment. 2 During August 2021, Assured Futures clients saved an average 23% (£587.45) by switching insurers via Assured Futures. These figures are based on a review of 100 clients that switched in August 2021, to a comparable or better policy.

When life throws you an unexpected challenge, fast diagnosis and treatment are what matter most, along with genuine help, support and understanding from people who care. So here’s a summary of everything that comes with Personal Health, your private medical insurance plan, for new medical conditions after you join. Basic or treatment only covers the cost of any treatment you need while you’re in hospital, as well as the cost of your stay. You can still have tests done on the NHS, but private diagnosis and outpatient care, including things like consultations with specialists, will not be paid for.

But you’ll still see the Health-on-Line and AXA PPP Healthcare brands on our product materials and in other interactions whilst we work through the changes. To book an appointment or speak to one of our friendly team, please get in touch using the options below. Most insurers now use a paperless system, which makes the process efficient and simple. You’ll find more information on our guide to paying for treatment with Circle.

This can include blood tests at private hospitals, consultations with specialists and things like MRIs. These will usually be done quicker than they would be on the NHS. You’ll normally be given a set amount of cover for these tests, for example, £1000 worth over the course of a year. As with any domestic insurance policy, the best way to make sure you’re putting the right cover in place for your individual needs is to compare health insurance quotes from a number of providers. As the leading health insurance comparison website in the UK, ActiveQuote partners with Gocompare, Uswitch and MoneySavingExpert to bring our customers the best cover at the right price. The cost of health insurance depends on factors such as your age and overall health at the time of taking out the policy, the stated excess and even things such as whether or not you have gym membership.

The UK Global Health Insurance Card lets you get state healthcare in Europe at a reduced cost or sometimes for free. If your employer provides your insurance, you should follow the claims process specific to your scheme. Some insurers may allow you to self refer for certain treatments such as physiotherapy. Your insurer will tell you which conditions and treatments need a referral letter. Simply enter your postcode to find the nearest hospitals to you that are covered under a Health For You policy.

Explain that the card entitles the holder to necessary healthcare. It may be useful to direct them to the European Commission’s EHIC webpage, which provides images of all valid UK-issued EHICs and the UK GHIC. Some countries ask patients to pay a contribution towards the cost of their care, such as for prescription costs.