Health insurance explained

Health Insurance (also known as Private Health Insurance or Private Medical Insurance) is designed to cover costs from diagnosis to treatment. Policies are renewed annually and can be paid monthly or in a lump sum.

  • Key benefits
  • Faster access to diagnosis and treatment
  • A choice of where and when your appointments are
  • Access to a wider range of care, drugs and therapies
  • A choice of specialists and consultants
  • Private rooms and facilities

Typical benefit options:

  • Physiotherapy
  • Consultation fees
  • 24 hour GP service
  • Diagnostic tests
  • Surgery
  • Mental health cover
  • Cancer cover

Group health insurance

We can help arrange a policy for any organisation, from sole traders to large limited companies.

Premiums vary significantly, depending on the level of cover. It is possible to reduce costs by agreeing to a policy excess of, for example, £100 or £200.

We can help you design a policy that meets your requirements and is within your budget.

Four reasons to offer it

  • 1Helps with recruitment and retention as part of an employee benefits package
  • 2Helps reduce absences and can speed up returns to work after illness or injury
  • 3Helps to minimise the costs of sickness absence
  • 4Premiums are tax deductible for employers

Hospital lists

Hospital lists Each provider offers a choice of hospitals and it’s important to think about where you would like to be treated.

Most providers offer a guided option which reduces the cost – in the event of a claim, you don’t get to choose the hospital but are guided to the most suitable location and specialist.

Hospital Lists

Underwriting

There are two different underwriting options:

  • Full medical underwriting
  • Moratorium

The one you choose will affect the cover provided for any conditions you may have or have had, and what will be excluded.

Cancer cover

Cover for cancer is an important factor for many people when considering health insurance. Whilst cover varies between insurers benefits can include;

Quick access to tests and consultants to give you a diagnosis
Specialist consultations
Drugs that are licenced but not routinely available on the NHS
Treatments that kill cancer cells, including chemotherapy.
Radiotherapy
The costs of wigs and external protheses (limits apply).