How To Use Your Private Medical Insurance

We offer a wide range of personal and business insurance solutions designed to give you peace of mind when you need it most. As part of your AIG Direct Insurance, you and your family can benefit from complimentary healthcare advice with a medical professional. Health insurance means getting through the health system quicker through a speedy diagnosis and reduced waiting times.

This protects you with cover for things like operations that you need to go into hospital for, or other treatment you receive while you’re there. Not all state healthcare is free within the EU and Switzerland and so you may have to pay for services that you would get for free on the NHS. With this option, you choose a hospital list when you take out your policy. Then, when you make a claim, you choose a specific hospital or medical facility from that list.

If you do not consent for us to process your personal data for marketing activities, we will still be able to contact you about your enquiry. Your policy will come with a full document, together with a key features summary. This will make it clear what’s covered, what isn’t, and the financial limits for any claim.

Then, if you get a short-term illness or injury, and are referred by your GP, we’ll help you choose from a wide range of high-quality private facilities and hospitals. Whether it’s overnight care, outpatient treatment, diagnostic tests, scans or aftercare, you get the specialist private treatment you need, in comfortable surroundings, when you need it. ††Direct Access telephone services are available as long as the symptoms are covered under the policy. We can then refer you to a consultant or therapist through the Direct Access service. If you take out family health insurance, we cover children with no upper age limit, providing they remain a resident at the policy holder’s address.

Applies to eligible cancer drugs and treatments covered by your policy. Bupa will not fund for genetic testing when used solely for the purpose of screening. Bupa Anytime HealthLine and Digital GP are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Private medical insurance allows you to be treated at the time and by the Consultant of your choice.

Whenever you buy a private policy or submit a claim, you usually deal with the same person throughout the entire process. If you are looking for the cost of different health insurance plans in the UK, you can use an online comparison website, or you could speak to an independent adviser. The price of medical insurance will be different for every person. We answer some of the most frequently asked questions about private medical insurance, from what is covered by insurance policies, to whether your insurance premiums will go up if you make a claim. Health insurance gives you access to private healthcare when you need it, meaning you always have the reassurance that you and your family can get quick, expert treatment should you need it.

It also helps to pay for some, or all, of the treatment that you need. You can use a UK passport to get medically necessary healthcare in Norway (for example emergency treatment, or to treat a pre-existing condition). We design solutions that will help improve employee wellness and productivity while helping you control your costs. Spire would like to provide you with marketing information about products and services offered by Spire and by selected third-party partners.

You just need to check with your insurance company that the Consultant of your choice is “fee assured”. Take a fresh approach to personal health insurance with our flexible and affordable health plans. You cannot use a GHIC or an existing EHIC in Norway, Iceland or Liechtenstein. Private health insurance is a highly valued employee benefit that will support recruitment and retention. Lengthy and costly absences from work caused by staff waiting for NHS treatment will be avoided.

Your treatment must be with one of our approved medical practitioners. Which approved practitioner and private hospital you can use will depend on your level of cover – a cheaper plan may not provide all the treatment you require. If you wish to use a medical practitioner or hospital that is not approved by your level of cover you may incur additional costs. With our heart and cancer cover and care, you’ll be covered for radiotherapy and chemotherapy. You’ll also have access to a dedicated nurse helpline to help with healthcare concerns about the condition, treatment and care options. You can talk to us any time, day or night, so you’ll never have to find your way on your own.

Super adds elements such as mental health treatment and dental injuries benefit. This includes a choice between full cancer cover and the more restrictive ‘cancer cover plus’ –which comes into play specifically to cover required cancer treatment not available through the NHS. One area in which Bupa stands out is in offering a month’s worth of treatment for mental health conditions as standard. The table below shows some example quotations of what two couples would potentially pay annually if they sought cover for surgery, comprehensive heart and cancer cover and also cover for therapies .