Health Insurance

Health insurance covers expenses incurred in the private treatment of acute (short-term, curable) illnesses and injuries.

Apart from specific exclusions, the following are generally not covered:

• Pre-existing conditions (except on “moratorium” policies)
• Chronic (i.e. incurable) illnesses
• Conditions brought about through drug abuse, self-inflicted injuries, war risks and hazardous pursuits
• Treatment for HIV/AIDS, infertility and normal pregnancy; sex change (“gender reassignment”), cosmetic surgery, organ transplant, kidney dialysis and experimental treatment and drugs
• GP services, accident & emergency admissions, outpatient drugs and dressings and mobility aids.

Why do people buy medical insurance?

• To have the choice of where you are treated
• To get faster access to specialists
• To get prompt treatment and avoid waiting lists
• To get high standards of accommodation
• To get access to drugs that might not be available on the NHS

Who buys health insurance?

Health Insurance UK is bought mainly by two groups of people, individuals and companies.

Individual, or family, medical insurance is also commonly known as personal health insurance or private health insurance. Most insurance companies offering this product will refer to it as individual health insurance. Family health insurance, where you, your spouse and your children are all on the same plan, is still referred to as an individual health plan. These type of plans you would purchase for yourself and your family if your employer does not provide insurance benefits to its employees. In the UK health insurance providers tend to price the plans based on where you live in the UK, for example most class London differently to the rest England. Others class Scotland and Northern Ireland different to England, this is because of the coverage of hospitals available and the cost of providing services in these hospitals. We can help you buy health insurance.

For companies, a group medical insurance plan is an investment in their employees. Looking after them - ensuring they stay healthy or, if they become ill, receive the best possible care - makes sound financial sense. The number of employees insured under the group health plan may also determine the types of coverage available to the employer, as well as the per-employee premium. Usually, a company with between 2 to 49 employees is classified as a small business and may offer small business health insurance plans. Many companies have hundreds of employees and will have health plans customised for them by a health insurance company.

In some cases, an insurance company may market a small group health insurance plan to a single individual that is a self-employed individual. However, these one-man groups may not qualify for certain guarantees or regulations that apply to groups of greater numbers.

Who are the health Insurance Companies?

Some of the main health insurance companies we advise on are listed below:

• AXA PPP Healthcare
• Aviva (formerly Norwich Union)
• BUPA
• Prudential Health Insurance
• Standard Life Healthcare

We can help you buy health insurance. To compare medical insurance policies from these and other companies go to our health insurance comparison page.

How much does medical health insurance cost?

The premiums that are charged for private health insurance plans are based on several factors. These include your postcode, your age, your health status and your lifestyle habits. For instance, smokers will typically pay more for private health insurance than non-smokers, as will people that are overweight or have pre-existing conditions. compare medical insurance

Medical Health Insurance UK

Medical Insurance UK built around you

We can help you build your medical insurance around your needs. You can make your health insurance plan as simple or as comprehensive as you like. If you're more interested in seeing what you can get for a set price, and to get health insurance quotes call us on 0800 043 0725.

If you're switching your medical health insurance, we'll look at how we can improve your existing plan to give you tailored cover at an affordable price. We can help you get the best medical insurance premium. If you would like quotes or discuss any aspects of your existing plan, please call us on 0800 043 0725 and we would be happy to help.

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