Health Insurance Explained

What is Private Health Insurance?

Is Eye Care Covered by Health Insurance?

Health insurance is something which is taken out in order to ensure that you are covered for various medical procedures should the unforeseen happen.  The level of benefit you receive usually varies from company to company

Does Health Insurance Cover Dental Treatment?

Health insurance varies from company to company, and the level of cover you would expect to get from your health insurance, is usually down to you, the policy holder.

Do I Have to Pay an Excess on my Health Insurance Before Having Treatment?

All health insurers work differently, and usually before taking out any health insurance policy, you will be told if there is an excess to pay on the account before claiming for any treatment.

Do I Have to go Through an Application Process in Order to be Eligible for Health Insurance?

With any private health insurance there is usually an application process to go through, prior to them accepting you for the insurance.  There are certain reasons why you may not be eligible.

Can I Opt out of Health Insurance if a Change my Mind?

Taking out private health insurance is not deemed as being compulsory unless of cause you live within the United States of America, so there is always a chance to opt out of the policy, if you so wish.

Can I Only Claim on my Health Insurance if I am Ill?

Private health insurance is not just for if you are ill, it covers for a whole range of different things, so you don’t have to be ill to be able to claim on your health insurance.

Can I Increase my Level of Health Insurance Cover After I Have Signed Up?

Private health insurance is usually put in place by the individual in order to cover themselves for if the unforeseen should happen.  Health insurance companies put in place various levels of cover.

Can I Choose the Hospital I Want to go to if I Have Health Insurance?

Private health insurers usually offer the customer a good range of private hospitals to choose from, when it comes to being an in-patient.  It is important that you check with your insurance company prior to making a claim

What is Typical Waiting Time for an MRI Scan as a Holder of Health Insurance?

Waiting times for operations and diagnostic testing is just one of the reasons that many people today have opted to take out health insurance.  Waiting times on the NHS have come down in recent years

Is Age a Factor for Health Insurance Premiums?

All private health insurers work differently, so where as one may have an age limit on their products, the next may not.  This, is why it is so important to read through the small print and the terms and conditions on the health insurance product, before committing.

How Does Private Health Care Differ from the NHS?

Many people in the United Kingdom still have the idea that the private sector is only for people who have money and the rich.  This is not however the case anymore, as more and more people have the option of taking out health insurance

Do I Have to use the Hospital, Which is Closest to my Postcode When using Private Health Insurance?

Private Health Insurance is put in place by the individual to ensure that they can not only get good quality treatment fast, but also, be able to choose the place where they receive this treatment.

Will I Receive Cash Benefit if I Stay in an NHS Hospital?

As there are so many health insurance companies out there on the market at the minute, it can often get confusing as to which one has the best product on offer, and whether or not they are the right insurance company for you to invest you money in.  There are lots of questions that people have when signing up to health insurance, and there are many things that you are entitled to claim for, which would not necessarily be something you would think would be covered.

How Do I Make a Claim on my Health Insurance Policy?

Making a claim on health insurance couldn’t be easier, but there are some things that you should bear in mind before making that all important claim.  It is quite a straightforward process, but it is worth remembering that every private medical insurance policy is different.

Does Health Insurance Cover for Pre-existing Health Conditions?

Many people think that because they have a pre-existing health condition they wont be eligible for health insurance, this is not always the case.  A pre-existing medical condition can include things such as high blood pressure, cancer, asthma, heart disease, type 2 diabetes and other chronic health problems

Does Health Insurance Cover Cancer Treatment?

People take out health insurance to ensure that they are covered should the unforeseen happen.  Many people who have health insurance are surprised to find that their health insurance falls short, when it comes to covering for the treatment of illnesses such as cancer.

Do I Need a Referral Letter from a GP to Have an X-ray using Health Insurance?

All health insurers work differently, so it is well worth checking out what you are entitled to before making a claim.  There are some procedures you will need to go through as a matter of course in order to get your treatment.

Do I Need a Health Insurance Claim Number Prior to Having Treatment?

It is often very daunting going into hospital, and little things like claims numbers and authorisation numbers often slip a patients mind.  Most private hospitals need to have a claim number prior to a patient having treatment.

Do Health Insurance Policies Cover for Accidents and Emergencies?

There are so many things to think about when it comes to getting the right kind of health insurance, that sometimes we forget to ask the questions which are most important.  Health insurance is a fantastic thing to have in place and offers peace of mind to the policy holder.

Can I get family health insurance coverage too?

As there are so many companies out there today, all who seem to have fantastic deals on products such as health insurance, it can be difficult to know which one would be best to go through.  Many private health insurance companies offer customers prompt access to treatment which they are eligible for, meaning that they don’t have to queue on a waiting list in order to receive treatment.