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. Health insurance is put in place by the individual to help maintain good health, by taking regular treatment such as dental checks and eye testing. Health insurance is also in place to help you to seek out an early diagnosis and get treatment of a medical condition before the situation gets worse.

Health insurance covers for a whole heap of different stuff, which includes:

•   Insurance cover on optical expenses which includes eye testing, money towards prescription sunglasses, glasses and contact lenses.
•   Get dental fee’s reimbursed, this includes getting treatment for fillings and other procedures as well as regular check ups.
•   Insurance cover on consultations and specialist fees.
•   Insurance cover on diagnostic testing such as x-rays, MRI scanning and ultrasounds etc.
•   Insurance cover for physiotherapy, chiropractic, osteopathy, acupuncture, homeopathy and chiropody treatments.

All of the above are usually subject to a set limit on the policy, for example if you were to pay out £600 for treatment and the upper limit on your insurance policy is £300, then you would have to stand to the other £300. This means that you will have to check with your policy as to what the upper limit is.

You could also get additional benefits on your insurance

Depending on the level of your insurance policy you have, then you could be entitled to additional benefits and fixed cash payouts for stuff such as:

•   Insurance cover for day surgery and in-patient hospital stays.
•   If you or your partner decide to adopt or have a baby.
•   Insurance for recuperation.

Check out the internet for more information on the levels of different insurance cover which are available to you.