If you have read or watched the news over the last 12 months, there is little doubt that you would have avoided seeing something relating to the waiting times on the NHS. Perhaps you have experienced it yourself?
Bupa, one of the UK’s leading healthcare specialists, have recently launched the UK’s most comprehensive self-referral cancer service. Cancer Direct Access, which allows its health insurance policyholders to bypass GP appointments when they experience symptoms of cancer. How does the self-referral cancer service work? If a policyholder feels worried about cancer, they pick up the phone and call Bupa right away. They will speak to a trained adviser who will assess their symptoms over the phone using national clinical guidance to advise them on what to do next. Depending on the cover and underwriting the policyholder has in place and…
Many private medical insurance providers offer added benefits for their policyholders . If you have a policy with The Exeter you can access their private prescription service. What is the private prescriptions service from The Exeter? This service is available if you are insured with The Exeter and is a follow-up to their GP Helpline service. It provides you with a hassle-free way of receiving medication, without a trip to an NHS doctor. When should this service be used? This service is most commonly used for one or two-time medication to help relieve and treat symptoms, following recommendation from a…
The PHC provide business and corporate clients access to the HealthCover4Life policies. They really do offer you excellent levels of customer service and expert assistance as a client.
If you are looking to reduce your Health Insurance premium at renewal, you have a number of different options available that you may like to consider. There are a number of reasons why your premium will increase every year. Let us help you look at ways to contain the costs for the future. Add an Excess to reduce your health insurance premium By adding an excess to your policy you agree that you will pay that excess amount towards a claim. As a standard the excess will be per person per policy year but it could be per person per…
Health Insurance is designed to cover the cost of treatment for acute medical conditions which start after your policy begins. Your policy is not designed to cover the routine medication and monitoring of chronic conditions. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment. That treatment aims to return you to the state of health you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery. Private Medical Insurance will typically not cover chronic conditions. There are options from two providers in the UK market…
Your chosen insurer may want information about your medical history before enrolling your application or authorising a claim. The information is either obtained either directly from you by asking a series of questions, or from your GP or consultant via a report.
There are so many things to consider when you buy a health insurance policy. Making the right choice of private hospitals is something you should definitely consider. Some private medical insurance providers offer just one complete list whilst others break their hospitals down into different groups.
When you look at ways to reduce your Health Insurance premiums one option is reducing your out-patient cover level. This option can offer a substantial saving on your premium. You may not realise however, how this will affect the cover you have available for out-patient diagnostic tests.
The above gives you a good guideline of self-funding treatment costs and as you can see, it doesn’t come cheap. This is without looking at the costs of more serious and life threatening conditions. Just imagine the costs for covering heart, cancer and mental health conditions. The self-funding method can soon become unachievable for many people.