Frequently Asked Questions

  • Private health insurance provides reassurance that should you fall ill, you will receive the treatment you need, when you need it. Private health patients receive treatment from the most experienced medical specialists in the UK’s very best hospitals.
  • Medical insurance and health insurance are essentially the same thing. Health or medical insurance is defined as insurance that covers policy holders against loss that results from an illness or injury.
  • Individual or family health insurance plans can offer varying levels of cover. Some policies only cover treatment when you are in hospital, whilst some more comprehensive policies provide cover for outpatients too. You will typically pay a monthly premium for your insurance, and then when you require it, the policy will pay out for your treatment. There is also the option of “health cash plans” in which you contribute to routine healthcare costs and help by paying out a cash sum whenever you visit a dentist or other health practitioner (such as a chiropodist or optician), which you can then spend as you please.
  • Premiums are typically higher as you get older, although this is not necessarily true with all policies. It’s always better to compare multiple quotes as you will find that prices can vary considerably between health insurance providers. We can compare a range of quotes for you.
  • The majority of medical insurance policies will have an excess which is the portion of the insurance you must cover prior to any pay out. If you are seeking very comprehensive cover, one option would be to have a higher excess which will then keep your monthly premiums lower in return.