Health insurance
Much has been written about waiting lists for NHS hospitals and treatments. Health insurance moves you to the top of the queue for short term medical conditions.
You are able to choose where and when treatment takes place, putting you in control of you healthcare.
Cover and costs can be very flexible, if you want treatment with a top London specialist you will pay more, if you pay an excess costs will decrease.
What’s covered?
Most health insurance policies will not cover existing conditions, long term or chronic conditions, HIV/AIDS related conditions, cosmetic treatment, outpatient drugs and dressings, among many other things. There are generally two types of policies to choose from; a comprehensive policy and a low cost/budget policy. As a comprehensive policyholder you could expect:
In patient treatment:
- Hospital charges including accommodation, nursing care, meals, drugs and dressings;
- Specialist fees;
- Tests including X-rays, CT scans and MRI scans;
- Radiotherapy/Chemotherapy;
- Psychiatric treatment;
Out patient treatment & benefits:
- Consultations with a Specialist;
- Nursing at home;
- Private ambulance;
- Complementary medicine;
- Minor surgery;
- Hospice Care.
A budget policy will not usually include outpatient treatment or complementary medicine. You can also keep costs down though by agreeing to pay a larger share of the claim cost or by being less constrained on your hospital choices.
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or Call us on 01438 726464
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Prior Knowledge
Caxton Point
Caxton Way
Stevenage
Hertfordshire
SG1 2XU
Tel: 01438 726464 |
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