What is Private Health Insurance?
What is Private Health Insurance cover?
Private health cover – also known as private medical insurance – can be a vital tool in protecting you and your family in the event of serious ill health or injury. :
The NHS is groaning under the weight of the UK obesity crisis and newer, more effective medical treatments for a range of illnesses often aren’t available.
Private medical cover makes ‘going private’ much more affordable – giving you access to more treatments, shorter waiting lists, and first-class care.
You’ll pay a monthly premium and decide on the excess you’re able to pay in the event of a claim – much like car or contents policies.
Then, if something happens and you require medical care you’ll have affordable access to private hospitals and medical specialists, as well as a wide range of treatments and drugs not available on the NHS and which may be too expensive to pay from your own pocket.
What Does it Cover
What does Private Medical Insurance actually cover?
Like all insurances, the actual cover you get varies from policy to policy, and can also differ based on which provider you choose. You’ll need to consider questions such as:
- Do I just want to cover the cost of a private hospital, to avoid waiting lists and crowded wards?
- Do I want access to specialist drugs and treatments if required?
- Do I want dental care covered too?
- Do I want long-term outpatient care covered?
Your answers will affect which medical insurance providers are most suitable, and how much the premiums will be. Speaking to a specialist adviser can really help narrow down your options and give you a clear understanding of what policy is best for you.
Best provider
Who is the best health care insurance provider?
There is no ‘one-size-fits-all’ answer to this question, although some insurers will give rewards, cash-back and premium reductions if you demonstrate that you make an effort to live well, keep fit, and have a good diet.
NHS Service
Does this mean I’ll never use the NHS again?
You’ll always have access to the NHS. Whether you use public services or go private is often decided by a discussion with your GP and the policy you have in place. Private health care is usually more appropriate for acute medical conditions. For mild, less serious conditions you might choose to use the NHS and not claim on your health insurance policy.
It’s also important to know that for severe accidents and trauma, NHS Accident & Emergency is still the first place to go
Contact Us
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When you speak to an advisor
When you speak to an advisor, You Get...
- Fast and Friendly Service - from call to cover in three simple steps.
- CII-Qualified, FCA-Regulated Advisers - with over 20 Years' experience advising accountants, business owners, and IFAs, so you know you're in good hands.
- Personal & Business Insurance Specialists - we only work in protection, so you get focused, expert advice every step of the way.
- Quotes from All Major Insurers - we search the whole market to get you the most affordable plan for your needs.
- Hassle-free Policy Set-up Service - we handle all the paperwork so you can get on with your life.
- Always Completely Fee-Free, with No Obligation and No Pressure - get advice now, then get cover when YOU are ready.
3 Steps
From Call to Cover in 3 Simple Steps
Life is hectic, so we've made getting cover as simple as 1-2-3
Step 1: Talk to a protection specialist. We'll discuss your circumstances, show you the best options, then compare the market to get the most affordable quotes.
Step 2: Choose to get protected. When you tell us you're ready to go we'll handle all the paperwork for you.
Step 3: Wait for your policy documents. You'll get hard copies of everything by post. When you have them, you'll know your cover is in place.
Why Speak To Us
Why Should I Get Advice?
There’s a very wide range of options for private medical cover, so getting specialist advice takes all the guesswork away and gives you the comfort of knowing exactly what you’ll be covered for.
And if you want the best private health cover quotes, use an independent adviser who checks premiums with all the main health insurance providers. Doing so could save thousands over the life of your policy.
Here’s what the Telegraph had to say when they checked premiums with banks, insurers, and independent advisers:
“The results show that in many cases the lenders and even the insurers themselves charge far more than intermediaries for exactly the same life and critical illness policies.”
You can check out the Telegraph article here.
At Specialists 4 Protection our advice won’t cost you a penny and is given with no obligation. We’ll help you understand how much cover you need, what type of policy is best, and we’ll scour all major Life Insurance providers to get you the best quotes.
For free, no obligation advice just call 01243 219190 or give us your number and we’ll call you back.
Step 1: Talk to a protection specialist. We'll discuss your circumstances, show you the best options, then compare the market to get the most affordable quotes.
Step 2: Choose to get protected. When you tell us you're ready to go we'll handle all the paperwork for you.
Step 3: Wait for your policy documents. You'll get hard copies of everything by post. When you have them, you'll know your cover is in place.Carla Theophane
really good service, helpful and up front with details.
Andrew Benham
The approach of the team was just right. Not being pushy and making sure it was the correct decision for myself.
Julia
Quick and easy process and the advisers were very helpful
Phil Price
Excellent service quick and efficient
Chris Lloyd
Very personal approach, happy to work around my schedule and answer question
Latest News
According to warnings from advisers, it is possible for families to be at risk if proper income protection is not provided.
IFAs believe there is a growing threat of people not having life insurance and critical illness cover because fewer intermediaries are selling it.
Nearly three quarters of IFAS believe there is a growing threat of people failing to have enough life insurance and critical illness cover because fewer intermediaries are selling it.
Check out the Press! Specialists 4 Protection are featured in...
