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Private Medical Insurance

Corporate & personal private medical insurance, discover the right plan for your circumstances

Private Medical Insurance

Around 5.1m UK residents have health insurance, with the industry paying out £7.m in claims every day, according to the Association of British Insurers. But what is health insurance? And how does it work?

At its most basic, health insurance, also known as private medical insurance, pays out for private treatment if you fall ill.

The product is designed to pay for essential medical conditions (usually called acute conditions), that respond quickly to treatment, as well as surgery and medical tests.

Why buy private medical insurance?

People buy this type of insurance to access a wealth of secure benefits.

1 Timely Access

• Prompt referral to a consultant
• Quick admission to hospital
• Treatment at a convenient time

2 Choice Of Healthcare

• Direct care by a consultant
• Advanced treatment options
• High-quality private clinic and hospital accommodation

3 Privacy & Comfort

• Privacy of an en-suite room
• Home amenities such as TV
• Comfort and cleanliness

What Does Health Insurance Include?

What you are covered for depends on your provider but there are some elements usually included in most policies.

Inpatient Treatment

Most policies cover the costs of inpatient treatment (where you need a hospital bed for the day or overnight), including tests and surgery.

Outpatient Treatment

Outpatient treatment (where you see a consultant or have diagnosis tests) is covered under many policies but the amount you can claim for may be capped. Cheaper policies cover fewer types of out-patient treatment and have lower caps.

Hospital Accommodation And Nursing Care

A to stay in hospital and limited nursing care is included in most policies.

Exclusive Drugs

Some policies will include drugs unavailable on the NHS but have been approved by the National Institute for Health and Care Excellence.

Extra cover

Some policies also offer complementary therapies, a private ambulance, home nursing, a 24-hour advice line and parental accommodation if your child is in hospital. Again, a comprehensive policy is more likely it is to cover these areas.