Whether you suffer from long-term health issues and require regular treatment, or would just like to benefit from having access to professional medical care whenever you need it, private health insurance is available in a range of packages.
Private medical insurance is a lot more affordable these days and many people use it as a means of gaining immediate access to treatment, thus avoiding the NHS waiting lists and its complicated treatment system.
In terms of selecting a policy, there are generally three standard options available on the market, although you can choose to add extras if you so wish. Each type of health insurance policy may carry a level of excess from zero to £5,000. This is the amount you would have to pay as part of any claim, or per person per annum in the event of a claim. A higher excess amount would naturally mean a lower premium. To enable more people to access Private Medical Insurance, insurers have introduced a number of options that will reduce monthly premiums, such things as a 6 week option and as previously mentioned a range of excesses that all help to make Private Health Insurance affordable for all.The policy packages are as follow:
A budget Private Medical insurance package that only includes inpatient cover. This package will cover all inpatient treatment, drugs and surgery including rehabilitation costs.
This Medical Insurance package will cover all Inpatient cover as above but will also include limited outpatient cover. Usually limited to £1000 pa for outpatient treatment, minor GP surgery and limited physiotherapy,chiropractic or alternative medicines
Inpatient cover with full outpatient cover. This is a full refund Private Health Insurance package that will cover all aspects of inpatient and outpatient treatment. Usually carries optional travel insurance and use of new drugs and alternative treatments.
The FCA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide ifour services are right for you.
We offer products from the whole of market for Private Medical Insurance, Term Assurance and Critical Illness Insurance.
We will advise and make a recommendation for you after we have assessed your needs for Private Medical Insurance, Term Assurance and Critical Illness Insurance.
No fee for Private Medical Insurance, Term Assurance and Critical Illness Insurance.
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Ideally, if you have a couple of minutes we'd like to talk to you briefly over the phone, because we'd really like to make sure that we provide you the best possible policy that suits your needs and is also cost effective.
Every adviser at The Insurance Service is fully qualified, and any one of them can help explain your options. Our help and advice is FREE and places you under no obligation whatsoever.
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