Compare over 100 Cheap Health Insurance Options Scroll down for Top Tips and other useful information

 
 ……. and many more top insurers

   You’ll need help to compare

Comparing Health Insurance isn't just a matter of finding the cheapest. There are hundreds of policies available with wildly varying levels of cover, benefits and features. So if you try to compare purely on the basis of price, you’ll end up comparing apples with oranges.

That’s why we'll get a specialist Health Insurance Adviser to phone you. The Adviser knows all the policies inside out and will talk you through your options and give you clear concise advice. Then the Adviser will provide cost comparisons and a short list of the cheapest which match your requirements. It’s a fabulous service - and it’s totally free and without obligation.

More info
about our Comparison Service

To provide our service we work alongside Insurancewide. Soon after you submit your details, one of Insurancewide's team of specialised health brokers will phone you. Each member of the team is dedicated to saving you money and providing you with a tip top advice.

Remember, the service is totally free and without obligation so you’ve nothing to lose and lots to gain!

Regulation: The Financial Services Authority also requires us to provide you with details about how we are regulated plus other regulatory information. If you wish to view this regulatory information (it’s formally called our Disclosure Document) Click here

Why take out Private Medical Insurance?

 Peace of mind – with private medical insurance you can be safe in the knowledge that you and your family will receive the best of private care

Avoid the waiting lists - while you could have to wait up to a year for a ‘non-urgent’ operation with the NHS, you can have it within a few days if you have private medical insurance

High quality care – you can assured that you will receive the highest quality of care

Choice – in many cases you will be able to choose the hospital that best suits you from a hospital list and have a choice of specialist too

Convenience – choose the time and date of your operation to fit in with your commitments

Speed – with no waiting lists you will be referred to a consultant within days to receive your specialist treatment

Excellent facilities – private hospitals are equipped with new, state of the art facilities

Quality advice – dealing with top specialists you will receive the best advice

Privacy – in most cases, you will receive an en-suite room complete with television and other home comforts

No restrictions – in nearly all cases, there are no set visiting hours so visitors can call when they like

No medical – there is no need for a medical to be accepted onto most private medical health schemes

No medical students – it will just be you and the doctor

What does private Medical Insurance cover?

It’s important to appreciate that private health insurance is not designed to replace the services provided by the National Health Service. Private health insurance only covers the treatment of acute conditions and this excludes accidents and emergency treatments.

Most insurance companies describe an acute condition as an illness, disease or injury that is expected to respond quickly to treatment. And the treatment itself would be aimed at returning you to the state of health you had immediately before the onset of the acute condition, or full recovery.

This means that some treatments and illnesses will not be covered by private health insurance and this applies to all policies. The following table provides a general introduction: - 

Treatment that is usually included	Treatment that is sometimes included	Treatment Not usually included
Treatments for acute, short term health conditions	Out patient diagnostic testing	Pre-existing conditions – those are conditions you had prior to taking out your health insurance
In patient tests	Out patient treatments and consultations with Specialists	Services from your General Practitioner
Surgery (day patient or in patient)	Health expenses whilst outside the UK	Accident and Emergency treatment and admission
Hospital accommodation and nursing	Payments made to you if you receive treatment from the NHS rather than claiming on your policy	Treatment for long term illnesses which cannot be cured. (These are known as “chronic” illnesses)

In addition to those “Not usually included” the following conditions and treatments will not be normally be covered by your health insurance: Self inflicted injuries, drug abuse, HIV/AIDS, out patient dressings and drugs, infertility, normal pregnancy, cosmetic surgery, gender realignment (sex changes!), preventative treatments, experimental treatments and drugs, kidney dialysis, organ transplants, mobility aids, war injuries and injuries resulting from dangerous pursuits. For full details, please check your policy summary or “Key Facts” which the health Insurance Adviser will send to you.

 

Points to remember about Private Health Insurance

Private health insurance policies generally cover curable short-term illness or injuries – they do not cover all illnesses and treatments. Chronic illnesses which cannot be cured are not usually included.

If you have a pre-existing condition or illness (from before you took out your health insurance), any treatment you need arising from this may not be covered. You will need to check this out with your insurer before taking on the policy.

For accident and emergency services you will still use the NHS.

All private health treatments start with a referral from your GP or appropriate specialist.

Be sure to make an accurate statement of your health as your insurer could refuse to pay your claim if they believe they have been ‘misinformed’.

The younger you are, the lower the premiums. As you get older your premiums will increase because you will be more likely to make a claim.

Tips to keep your Health Insurance
premiums down

Private health insurance isn’t cheap but it’s impossible to put a price on the peace of mind that it brings. Here’s 6 ways to reduce the cost of your private healthcare cover:

Agree to pay the largest policy excess you can afford – anything from £50 up to £5,000 

Restrict the amount of private outpatient treatment you qualify for

Opt for a 6 week NHS waiting time (This means that if you’re unable to get the treatment through the National Health Service after 6 weeks, the policy activates.)

Agree a maximum that the policy will pay.

Pay an annual premium, rather than monthly

Restricted the choice of hospitals you can use.

Things to know
before you buy Health Insurance

Check out the following and you avoid the pitfalls: 

You must agree to provide your insurer all the information they need.	If you don’t provide accurate details, your health insurer can refuse to pay your claim or could end your policy.
You agree to pay your premiums on time so long as you want cover.	When you stop paying your premiums, your insurance cover will stop and your insurer will only pay for health costs you paid or agreed to pay, up to the date your last premium was paid.
When you renew your cover each year, your premiums may increase.	Unless your policy includes a “no-claims discount”, premiums are not affected by the number of claims you make.
If the insurance company plans to make any change to the terms of your policy, they will tell you in writing before you renew your policy.	If you wish, you will still be able to continue with your cover.
If you switch insurance companies, you may not be insured for conditions or treatments covered by your existing policy. Please discuss this with your Health Insurance Adviser.	Ensure you fully understand the consequences before you switch to a new insurer.
You will receive the Policy Documents relating to your policy.	Please read them and make sure you keep to the Terms and Conditions
You will be able to cancel your policy within the first 14 days. (Some insurers may allow a longer period, check it out.)	If you cancel within the 14 day cancellation period, you will usually be entitled to a full refund of the premium you have already paid, so long as you have not made a claim. If you wish to cancel the policy after the cancellation period, and you have paid in advance, you might not get a refund.

 

 

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