Which hospitals are covered under your Private Medical Insurance policy?

There are so many things to consider when you look at purchasing your health insurance policy and the hospitals that you can have treatment at is certainly one that most people take into consideration. Some private medical insurance providers offer just one complete list whilst others break their hospitals down into different groups and offer different hospital lists which have different costs associated with them.

London Hospital List

If you want to include cover to the high charging London hospitals within your cover, some providers offer this at an additional premium, if you do not think this is an essential part of your cover then consider removing the London Hospitals to reduce the annual premium paid.

Examples of London hospital cover:

Aviva’s London hospital list is known as Extended

Vitality Health’s London hospital list is known as Countrywide Plus

AXA PPP offer one list incorporating the London hospitals

PHC’s London hospital list is known simply as the London Upgrade.

Standard Hospital List

Although each provider has a different name for their “standard” hospital list they essentially offer a good coverage countywide but may exclude some or all of the higher charging London facilities.

Examples of standard hospital options:

Aviva’s standard hospital list is known as Key

Vitality Health’s standard hospital list is known as Countrywide

Freedom Health Insurance’s standard hospital list is simply known as standard.

Cost containment options

Many of the private medical Insurance providers will offer a reduced hospital list option as a cost containment choice for their clients.

Examples of cost containment options:

Aviva’s Scotland and Northern Ireland hospital list is known as Signature

Vitality Health’s reduced hospital list is known as Local

April UK offer the Inspire policy which only uses Spire Hospitals

There are many different providers in the UK health insurance market and above we have provided just a few examples of the insurance company hospital lists available for you to choose from.

If you are looking for a private medical insurance policy or looking to renew your current cover, the team at SMP Healthcare are happy to help you find the right cover with the hospital lists suitable for your own requirements. You can contact us on 01245 929129 or by email enquiries@smphealthcare.com