Health Insurance Archives

When you use the term Health Insurance, it is likely that you are referring to Private medical insurance. There are a number of products however that could fall under a general “health” insurance category.

Other health related policies include:

Cash plans
Dental Insurance
Hospital treatment insurance

You can buy health insurance from a number of different insurers. The best way to make sure you are getting great value is to compare your cover every year. Importantly you should make your comparison on a like for like basis.

There are a number of specialist brokers in the UK that can help you. If you use an independent broker you can access a number of insurers.

Your broker can help you understand the policy that you buy and ensure that you have no issues throughout the term of the policy contract.

Out-patient cover; what does it mean?

When you buy a private medical insurance policy, there will be multiple options and different insurers, different policies and different geographical areas to choose from. One of the benefits available to you is out-patient cover, but you may not be entirely sure what this means. Out-patients cover can be split into two sections: consultations and diagnostics. When your GP refers you to see a specialist, this is normally done as an out-patient consultation. If your specialist requires you to have tests, these are generally done as out-patient diagnostics. These are the two different elements of out-patient cover. Out-patient cover for…

UK Health Insurance providers

There are several UK health insurance providers available for you to choose from when you buy or renew a policy. You will no doubt have heard of the big-name brands such as Bupa and AXA Health, but there are many more providers available to you. And just because you have heard of the big-name brands, it doesn’t necessarily mean they are offering you the best deal. Comparing benefits between insurers is time consuming, but if you work with a specialist health insurance broker you can receive a full breakdown of all your options. Talking to an expert at Ascend Health…

How to choose a specialist or consultant

So your GP has told you that you need to see a consultant. How do you choose a consultant or specialist for your appointment. Can your GP recommend someone specifically or can you do your own online research? The experts at Ascend Health can help you to work out how you go about choosing which specialist to contact for your medical treatment.

Retirement and your private medical insurance

When you are thinking about your finances at retirement, this is not just limited to pensions and investments. Your private medical insurance / health insurance could also be one of your priorities. Especially true if you have medical history that needs to be considered. The experts at Ascend Health can help you to understand your options with NO OBLIGATION to buy.

Private GP services via mobile app

Do you have private medical insurance? If you do and are with one of the 6 providers below, you will have access to private GP services via a mobile app. With the increasing demand on the NHS, and GP appointments becoming like gold dust, private medical insurance is there to relieve some of the pressure on the NHS and take the strain off lengthy wait times. With a digital GP app, you can be seen in as little as 24 hours, from the convenience of your own home, or you could take a call at work to avoid having to…

How private health insurance works

As the uptake in UK private health insurance is increasing, you may wonder how health insurance works? If you are new to health insurance, let us help you understand how it works in practical terms. It is important to remember that health insurance (also known as PMI) does not replace the NHS. Health insurance works alongside the NHS and the premium you pay will dictate the benefits and cover you receive. If you want to be able to have access to private treatment for everything, then you will need to buy a fully comprehensive policy. You may even need to…

What isn’t covered by private medical insurance

When you buy private medical insurance, all insurers are keen to let you know what is covered, however, do they make it clear what isn’t covered by private medical insurance? Yes, you can look through the small print, but do you understand what it means in reality? Personal medical exclusions on your private medical insurance When you buy a policy with full medical underwriting, your insurance provider will issue a certificate. On this certificate, any personal medical exclusions will be shown. The underwriters will have made this decision based on the application form you completed. Your personal medical history and…

The advantages of Private Healthcare

You may ask yourself about the advantages of private healthcare. Why do you even need a private medical insurance policy in the UK? We have the NHS – surely that provides you with all the hospital treatment you can ever need? Well, maybe it would be beneficial to think about your medical treatment in more detail. 5 major advantages of private healthcare: Choice of hospital/ consultant Speedy access to diagnostic testing Treatments and appointments at a time to suit you The latest drugs and technology A private room Choosing your hospital/facility or consultant Being able to choose where you…

Business private medical insurance

Business private medical insurance is available to companies of all sizes. Working with a specialist health insurance broker gives you a little extra peace of mind when you buy a policy for your employees. Looking after the health of your staff and not paying for benefits you will not use is key.

Can anyone buy Private Medical Insurance?

With more and more people considering private medical insurance, the question ‘Can anyone buy private medical insurance?’ is often asked. For so long, people have perceived this to be a luxury purchase, but we no longer believe this is the case. In the UK, the NHS does a great job. For accident and emergency treatment, in fact, there is no better solution, but what about non-urgent medical treatment? As we have all seen, NHS waiting lists have increased around the country and show no signs of recovery. The stats about waiting lists are reported on the news every single day…

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