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Nobody wants to contemplate the prospect of falling ill, but if the unfortunate were to occur, your level of stress & worry could be reduced with the existence of a Medical Insurance policy.
It could cost less than you think to take out a Private Medical Insurance policy, also often referred to as Private Health Insurance.
NHS waiting times can often be long, and even vary widely depending on where you live and the procedure/treatment that you require, having Private Medical Cover can remove you from this “postcode lottery”, as it is often referred.
What is Private Medical Insurance?
Private health insurance is also frequently known as private medical insurance. It has been designed so that the costs of private medical treatment for short term injuries or illnesses are covered. The reason that most people buy these policies is so that treatment will be promptly available should they get ill or are injured.
The benefits of private health insurance are first that you can choose when the treatment that you want or need will be taking place. You can choose the hospital at which it takes place, and you can even choose the specialist that treats you. When you go to the hospital you are not stuck in a ward with other people. Rather, you will get the privacy of an en-suite room in most instances.
Private health insurance is not designed to replace all of the services which are offered by the National Health Service. What it does do is to take the services which might involve the longest waiting time and reduces them significantly. It also makes the time surrounding the treatment more comfortable due to the room in which you can stay. You will quite often be treated by the same doctors you would be on the NHS, through private health insurance, so the actual quality of the treatment is no different.
Something to be aware of is that some of the treatments and the illnesses that you may want to be covered are not actually covered by private health insurance. These exclusions will be common to most of the schemes. The Association of British Insurance has highlighted this issue in a guide called “Are you buying Private Medical Insurance?” which is sent to you when you request an application form for a policy. This form of insurance is outlined in here, and the areas in which you may be covered and may not be covered will be highlighted.
On applying for private health insurance, you may need to advise the Insurers of your full medical history. The insurance company may also write to your doctor to get more information on you. You must give the insurance company all of the information asked for. If you do not do this you may find that when you come to make a claim it is questioned. For the avoidance of doubt, should you not be sure if you should mention something, you really should do so.
A pre-existing condition is unlikely to be covered, and this will last either for a set period of time, or it will last indefinitely. Should that condition come back or there is a related illness or injury to it which occurs, then you may not be covered. If you are not sure about what to put on the form, ask an advisor.
If you are working at a company and some of your key employees go down with an illness, the ramifications of this can sometimes be catastrophic. If you have managed your human resource planning properly, you will have just enough employees to carry out the functions of the company but not enough to be able to deal with the extended absence of a few of them. Well, face facts, people get ill, and this is why group health insurance is an important product.
Group health insurance covers your entire workforce for illnesses that stop them working. It enables them to be treated properly and nursed back to health as soon as possible to get them back working for you again. This benefits them and you. It benefits them as they can get back to earning money again as soon as possible and it benefits you as you don’t have to bear the cost as much of having to find someone else to do their job.
It also gives your employees peace of mind. This is because group health insurance pays out a monthly income to them tax-free whilst they are away from work. The benefits are actually only paid after a deferment period, but as long as your employee cannot do the job that you were paying him to do and cannot hope to obtain a similar income, they are covered for it.
Group health insurance is particularly useful if you have overseas staff. You can cover all of your expatriate workforce with one policy, and the major international healthcare providers are very good at providing these policies. You need to find someone with global expertise and experience though to make sure that your employees get the optimum level of service.
The group health insurance provider that you choose will need to show that they have access to a real global network of clinics and hospitals, and that the members of the networks have a reputation for giving the best medical attention and care. As part of the policy the person covered should be able to be evacuated to the nearest medical facility that is appropriate for their needs. Emergency repatriation cover should also be available.
The organisation providing insurance for you should offer a help line available to those covered for 24 hours a day and for 365 days each year and this needs to be multilingual so that whatever country the insured is in they can have access to helpful information and expert advice. Basically, what you need if you have staff living overseas for more than six months every year is the peace of mind that should they get ill or injured they can be plugged into an extensive support and care network.
I have a pre-existing medical condition – will I be able to get cover?
Most insurers will still cover you if you have a pre-existing medical condition. However, the actual pre-existing condition is unlikely to be covered, and this will last either for a set period of time, or it will last indefinitely. Should that condition come back or there is a related illness or injury to it which occurs, then you may not be covered. If you are not sure about what to put on the form, ask an agent.
Why compare Private Medical Insurance Quotes?
There are many reasons to compare private medical insurance providers: the cover for you and your family, the price you pay for that cover, and the customer service provided by your chosen health insurer.
The benefits of using UK Medical Insurance:
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