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Private Health Insurance Explained

While employees often have some form of private health coverage from their employer, it can be beneficial to have additional private health insurance as a separate policy to ensure you get the health coverage you need, when you want it.

A private health insurance policy can also be a useful way to supplement medical treatments available from the National Health Service (NHS), and can be a good option for those who prefer private treatment and want more control over their own medical attention.

Find out if you would benefit from additional private health insurance in our directory.

What is private health insurance?

Private Health Insurance (PMI) is typically for people who want to cover the cost of private health care for acute, short-term and curable conditions, rather than existing long-term health problems, disabilities, or incurable diseases. .

Having additional health insurance means that when you need medical treatment, in most cases, you won't have to worry about NHS wait times. He or she may also pay or pay for consultations, tests or surgery for the cost of consultations, tests or surgery that you may have to pay for yourself.

You can get a variety of different levels of coverage at different costs. This allows you to choose the type of coverage you pay for.

Private health insurance and private health insurance are the same type of products and offer the same type of coverage.

Private health insurance is a term that is most commonly used in the United States, but as is the case with many Americans, it is a term that the British have adopted.

While some providers will call their insurance product private health insurance, others will use the term private health insurance.

What is the purpose of these policies?

Health insurance is designed to provide treatment in conjunction with services provided by the NHS. For example, medical appointments will still be through the NHS, but with private health insurance you can also get:

  • Faster treatment
  • The option to choose the right time and place for you
  • Better facilities
  • A wide range of treatments and medications.

What does it cover?

Private health insurance can include inpatient, outpatient, or day treatment coverage:

  • Hospital treatment is done when a hospital bed is required for tests or surgery
  • Outpatient treatment covers aspects such as consultations, diagnoses and treatments in which an overnight stay is not required
  • Outpatient treatment covers regular visits and tests
There will be some restrictions with every policy you find.

Generally, most plans don't cover any of the following:

  • Emergency Treatment: Emergency Ambulance Service and A&E are generally operated by the NHS
  • Chronic illnesses or long-term intractable conditions, such as HIV
  • Treatment for drug or alcohol abuse, such as rehab costs
  • Elective treatment, which includes plastic surgery and fertility treatment.
  • Care and treatment during pregnancy, although some emergencies and health complications may be covered by some highly specialized plans.

Why should I buy private health insurance if I live in the UK?

Even if you live in the UK with access to health care through the NHS, getting a health insurance policy has many benefits.

These include (but are not limited to):

  1. Access to specialized medicines and treatments: Some medicines and treatments are not available on the NHS, either because they are too expensive or have not been approved by the National Institute for Health and Clinical Excellence (England and Wales) or the Scottish Medicines Alliance.
  2. Specialist referrals: You can ask your GP for a referral to a private expert if you want a second opinion or access to specialist treatment options.
  3. Reduced Waiting Time - Use your health insurance to see doctors or tests sooner and reduce the time you spend waiting for NHS treatment, which can lead to faster diagnosis and treatment.
  4. More flexibility - Depending on the policy you purchase, you can choose (to some extent) a specific hospital surgeon that is tailored to your needs, so receiving treatment may be more appropriate for you.
  5. Better facilities: Private health insurance can be used to get a private room instead of having to stay in a crowded suite or share a mixed suite.
  6. Access to more scans: If the NHS refuses to let you take a scan, or there is a delay in your referral, you can use your insurance to pay for one sooner.

Do I need private health insurance?

Complementary private health insurance treatment is available through the NHS.

Many people enjoy coverage through their employee benefits package, but if you are not self-employed or self-employed and can afford the premiums, you may think it is worth paying for the coverage to get more control and options. in your health care.

You may not need additional insurance if:

  • We are happy to have the NHS
  • You already have insurance as part of your employee benefits package
  • Just worry about the health of your children; With the NHS, children have an immediate priority
  • You only have an additional cash rebate for basic insurance, such as car or home insurance
  • You can easily pay for individual treatments. Paying for treatment when needed can be more profitable if you have enough savings or sufficient income

When I need it

You should definitely consider some form of private health coverage if:

  • You don't want to wait for treatment on the NHS
  • Dislikes use of the NHS and prefers special care whenever possible
  • You want coverage for drugs or treatments that you cannot get from the NHS, such as specialty surgery.

How to choose the best private health insurance plan for you

When it comes to choosing your own health plan, you'll first need to work on:

  1. What illnesses or injuries do you want to cover? For example, do you want to make sure you are covered for cancer treatment? Should I Get A Diagnosis After Getting Insurance?
  2. What type of treatment do you want to cover? Do you want things like physical therapy or teeth covered as standard?

Once you have a good idea of ​​the type of coverage you want, you can search for policies that offer the coverage you want and compare products, costs, and service providers based on that.

How can I make sure I get the correct return?

There are comparison sites that offer you ways to find private health insurance online. When purchasing private health insurance, it is important to check the minute details to make sure you are paying for the coverage you need.

For help comparing policies and the level of coverage you get for your premium, contact us for a free, no-obligation chat. We will introduce you to one of the expert advisors we work with, saving you time and effort when researching and working on your behalf.

All the experts we work with are independent financial advisers with access to insurance providers throughout the UK. They have the knowledge, tools, and experience to ensure that you find the right health insurance coverage at the most competitive rates available.

How do I buy private health insurance?

You can purchase private health insurance directly from insurance providers, but you must ensure that you purchase the level of coverage you need.

There are also ways to buy the coverage you want online, but again, keep in mind that you will need to pay close attention to the fine print before you log onto the dotted line and start paying for coverage.

Something may be lost in the smallest details, which means you may not buy exactly what you thought it was.

To make sure you get the right level of health insurance coverage, at the best rates available, speak with an experienced independent insurance broker to make sure you get the health insurance you need.

Submit an inquiry in a free, non-binding chat and we'll put you in touch with one of the expert advisors we work with.

I thought that private health insurance was an American product. How big is it in the UK?
Private health insurance is the most common term in the US market, but it is also used by insurance companies in the UK, so it has been adopted as usual in Britain as well.

Private health insurance and private health insurance offer the same type of insurance, you simply need to make sure that the product you buy gives you the level of coverage you want.

To make sure you buy insurance that covers the level of private healthcare you want, speak with an independent expert, like those we work with.