Private Medical Insurance
Private Medical Insurance
Private medical insurance covers the cost of private healthcare, from diagnosis to treatment, usually via a monthly subscription.
What Is Private Medical Insurance?
What Is Private Medical Insurance?
Put simply, Private Medical or Health Insurance, is a policy that covers the cost of private medical treatments.
You pay a monthly amount to the insurance provider which then pays for treatments you may need.
What Does It Include?
What Does It Include?
What’s included in your policy is determined by numerous things including what the provider offers, the type of package/cover you take out and if you have any previous medical history.
It can be difficult to find an insurer who will cover you for a pre-existing medical issue.
However, these are the typical things you can expect to be covered:
inpatient
This includes staying in a hospital bed for tests or surgery.
outpatient
This includes consultations and treatment when you do not need to stay overnight.
day-patient
This includes regular appointments but not staying overnight.
More comprehensive cover might include:
Your protection adviser will be able to advise on what is included within the policies quoted to you so you can make an
What Doesn’t it Include?
What Doesn’t it Include?
Private Health insurance generally does not provide coverage for the following:
- Organ transplants
- Pre-existing medical conditions
- Standard pregnancy and childbirth expenses
- Cosmetic procedures aimed at enhancing appearance
- Injuries resulting from high-risk sports or military conflicts
- Chronic conditions such as HIV/AIDS, diabetes, epilepsy, and hypertension
However, it may be possible to find policies that do so it’s always best to speak to a protection adviser so they can search for the most suitable policy for your needs.
How Much Does It Cost?
How Much Does It Cost?
The monthly cost of private medical insurance can vary depending on a number of factors including:
- Your age
- Your medical history
- Your family medical history
- Your lifestyle, for example do you smoke?
- Who’s getting covered, for example just yourself or your whole family
Things To Consider
Things To Consider
Benefits
Faster wait times
Private facilities typically have shorter wait times than the NHS, which means you’ll be seen quicker and if needed receive treatment faster also.
Choice of professionals
One of the benefits of private medical is you often get to choose the hospital/facility you visit as well as the person you want to receive advice/care from.
Scans
If the NHS delays a scan, or won’t let you have one, you can use your cover to pay for it.
Private rooms
By going private you’re a lot more likely to receive a private room compared to the NHS and going onto a shared room within a ward.
Considerations
Pre-existing conditions:
It can be a lot more difficult to get cover for pre-existing medical conditions which may mean you will have to use the NHS or pay outright for treatment.
Cost
It can be expensive, and the price is likely to increase each year and with age. So by the time you’re older, and more likely to need hospital treatment, you may not be able to afford it.
Frequently asked questions
Frequently asked questions
Do I Need Private Medical Insurance?
How Do I Purchase Private Medical Insurance?
You can fill out our contact form, to speak to one of our protection advisers who can search the market to find the most suitable policy for you.
Who doesn’t need Private Health Insurance?
Why Choose UKMC For Private Medical Insurance?
Here at UKMC, we want you to feel as comfortable as possible.
We provide tailored, straightforward advice for your unique circumstances and needs. That’s why we search and compare Private Health Insurance policies across multiple providers for you.
