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Individuals and Families

Health Insurance

Each insurer provides products with differing levels of cover. These range from "Essential" cover to "Comprehensive" with a number of variations in between! Essential Cover is generally the cheapest but will have a number of exclusions. All cover will have some monetary limits and some exclusions so it is up to the individual to decide on budget and priorities. For help in understanding terminology and what can and can't be included, download our FREE report. What you need to do, is decide what your budget is and which elements of cover are essential For you to include, then we will do the rest.

Tailoring your private health insurance

There are variations between cover but most companies start with Essential Cover as the first building block. Next in the scale is Standard Cover. Comprehensive Cover is the creme-de-la creme.

Below is a basic description of the different types of cover and the various options most providers offer. As you can see, an individual or family can design their own personalised cover using these building blocks then additional options to suit.

More details can be found in the FREE report

Essential Cover

Essential Cover usually provides cover for private in-patient and day-patient treatment at a hospital listed in that insurer's Directory of Hospitals. Associated specialist charges, outpatient surgical procedures, radiotherapy and chemotherapy are also usually covered.

In addition, some specialist scanning facilities are usually included such as;

• Magnetic Resonance Imaging (MRI)
• Positron Emission Tomography (PET)
• Computerised Tomography (CT),

If these facilities are not available, a cash benefit is often available as an alternative.

Standard

This option is as Essential Cover and in addition meets the costs of outpatient specialist consultations diagnostic tests on specialist referral and clinical practitioner charges up to a maximum amount a year (maximum limits depends on the insurance provider).

Comprehensive

This option is as Standard Cover and usually meets the costs of outpatient specialist consultations diagnostic tests on specialist referral and clinical practitioner charges on a full refund basis.

Therapies

This option provides benefit for complementary practitioner charges and physiotherapist charges. There is usually an annual limit. Within that limit, benefit is available for up to specified number of sessions of treatment a year for GP referred physiotherapy and/or complementary practitioner treatment.

Further physiotherapy and/or complementary practitioner treatment would usually only be covered if directed by the specialist.

Psychiatric

This option provides cover for eligible in-patient and day-patient psychiatric treatment.

This option will usually provide cover for eligible outpatient psychiatric specialist consultations and clinical practitioners' charges for psychiatric treatment.

Other benefits

There may be other benefits available such as a cash benefit if you choose to be treated by NHS or for oral surgery or chiropody.

Optional Excess

By selecting an Optional Excess, this will result in you assuming responsibility for the first excess amount of any eligible claims made at a future date.The optional excesses that are available range from £100 to as high as £3000. An Optional Excess is applied per person, per policy year and is in addition to any compulsory excess that applies to the policy. Dental and Optical Cash Benefit

This option provides cover towards the cost of eye tests in each policy year. It also up to 80% of the costs of eligible dental care up to an agreed maximum each year and up to 80% of the cost up to an agreed maximum in an agreed time frame for prescribed spectacles and contact lenses needed to correct vision.

Annual Travel Cover

This option provides you and your family members with cover towards the cost of emergency medical treatment abroad. The travel option has the major benefits of other travel insurance policies such as medical costs, additional expenses and delayed departure. Reference must be made to the Travel Membership Handbook which details the full terms and conditions applicable to this option.

Extended Cancer Cover

It may be possible to include cover for the out-patient investigation and treatment of cancer which arises after the start of the policy. This includes radiotherapy or chemotherapy, alone or in combination. In addition to the traditional cancer treatment covered by the plan, members will also have up to 12 months cover, subject to the policy terms and conditions, for licensed chemotherapy drug treatments (such as Herceptin and Avastin) which may be needed for a prolonged period of time. If it is possible to take extended cover as an option, the cover period will be extended to up to 3 years.

The Process Made Easy

Once you have decided budget and cover required apply for a free quote.

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