Health Insurance Plans In The UK

With the increased waiting times for treatment on the NHS, more people are turning to Private Health Insurance as a means to getting fast treatment privately. Health insurance in the UK is there to treat short term acute treatable illness. You can mostly choose as and when you receive treatment and where. The insurer will pay all or part of your treatment depending on the benefit level of you policy. Private health insurance can ease some of the worries that frequently occur with people who have fallen ill. Common concerns include: • that you may have to wait to find out what is wrong with you • that you’ll go on a waiting list for surgery when you are in pain or discomfort • that your condition might worsen while you wait for NHS treatment • that you’ll be called for treatment when family or work need you most It is important to choose the level of cover that best suits your requirements and also the excess level and hospital list that is most suitable to your needs. Health insurance policies vary in terms of benefit and you can choose from a policy that offers Inpatient and day care only to policies with limited outpatient cover to fully comprehensive outpatient cover. Some insurers will ask you for a detailed medical history and will then confirm in writing any pre-existing conditions that will be excluded from cover. This is called “Full Medical Underwriting” or FMU. Other insurers don’t ask about your medical history and will only consider whether a condition (again, such as a pre-existing condition) is excluded when you make a claim. This is called a Moratorium policy. Be sure that this is fully explained to you and how FMU and Moratorium underwriting works. There are a series of conditions that you will not be able to get cover for. For example, long term or chronic conditions. You should ask for a full detail on the conditions that would not be covered on a health insurance policy. No matter where you take out a policy be sure that you have had your questions fully answered and you are happy before you proceed.

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