Your Health Insurance is designed to cover you for the treatment of acute medical conditions. Cosmetic surgery does not fall into this category because you are choosing to have surgery or a medical procedure to change your appearance. The same ruling applies with Dental Insurance. Cosmetic Dental treatment is excluded under the terms and conditions of the policies available from our panel of providers.
Private medical insurance (PMI) can really come in to its own at this time when the NHS is under extreme pressure of unprecedented levels. The whole NHS system is doing an outstanding job of coping with an unknown demand and those of us who are fortunate enough to have access to PMI should now look at the help available for non-coronavirus medical conditions.
As an example, if you have been advised you need a blood test and your local NHS facility can do this for you within a day or so – why not go this route rather than claim on your insurance? The same applies to any treatment. If you can access any diagnostic tests quickly via the NHS, save your insurance policy for when you really need it.
When you cannot get an appointment with your GP, did you know that there are things you can see your pharmacist for? The average pharmacist knows much more than just dispensing medicines. Below are 6 services you could see your pharmacist for. NHS Minor Ailment Scheme – Some pharmacies offer a minor ailments service. This means a pharmacist will be able to offer advice and may be able to offer you medicines for a minor illness. This could save a visit to your GP. Illnesses supported within the scheme include, back-ache, sprains and strains, colds, conjunctivitis, constipation, coughs, diarrhoea, earache,…