5 Questions Answered About Personal Health Insurance

When it comes to purchasing a Personal Health Insurance policy we know how many questions there can be. Whether you are looking for yourself or your whole family, there may be questions you would like to ask.

To help you find the best policy for you and your family, we have listed five common questions and answers.  We hope will help you when you buy a personal health insurance policy.

What does Personal Health Insurance cover?

Most policies cover the following medical costs, but it does depend on the benefits selected and the type of policy you choose:

– Diagnosis
– Treatment
– Aftercare

How much will a Personal Health Insurance policy cost?

The cost of a personal health insurance policy will depend on a number of factors, including:

– Age
– Smoking Status
– Postal Code
– Level of cover selected
– Medical History

What cover options are available?

Most personal health insurance policies are modular and can be tailored to your specific requirements. As a guide we can break these down to three cover options to choose from.

These options are known as budget, intermediate and comprehensive.

All three levels cover eligible In-patient and Day-patient treatment in full. The difference between each cover option is the out-patient limit and the additional benefits you choose.

These can be broken down as follows:

Budget: These plans provide around £500 for eligible out-patient services and would not generally include mental health or therapies.
Intermediate: These plans provide around £1000 for eligible out-patient services. Mental Health cover could be included.
Comprehensive: These plans provide an unlimited amount of cover for eligible out-patient services. We could also expect to see mental health, therapies and other additional benefits included.

Comprehensive policies will give you the best level of personal health insurance cover.

What is not covered by a Personal Health Insurance policy?

Private Medical Insurance policies do not generally cover:

  • Chronic conditions i.e. those that cannot be cured
  • Self Inflicted Injuries
  • Accident and emergency admissions
  • Pre-existing conditions
  • Routine pregnancy and childbirth

Apart from peace of mind, what other benefits do private patients get?

Being a private patient can provide many benefits including:

  • Shorter waiting lists than the NHS
  • Private rooms, normally with own en-suite facilities
  • Access to a wider range of treatments than what is available on the NHS
  • Choice of hospital, consultant and treatment times

Please get in touch if you would like to speak to discuss your Health Insurance options.

You can call 01245 929129/ 0800 047 0127 or email enquiries@smphealthcare.com