Defaqto
VitalityHealth
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Benefits of private healthcare
- Shorter waiting times for appointments and treatment
- Access to private hospitals with better amenities
- Quicker access to consultants, treatments and tests
- Choice of your preferred hospital
- Choice of your preferred doctor or surgeon
- The standard of care is sometimes better
Comparing health insurance providers
Many people will compare healthcare providers and focus on the cheapest price. However, cheap healthcare isn’t necessarily the best healthcare and you could be left with a nasty shock when you go to make a claim. Compare by Review rank insurance providers exclusively on customer experience and product quality to ensure you can purchase a high-quality insurance product from a company that cares.
Top three health insurance providers
Defaqto
Defaqto
What does private healthcare cover
Generally, health insurance covers treatment for acute conditions, hospitals, scans and surgical procedures. There are three main types of health insurance and the exact level of cover depends on the policy you take out:
- Basic health insurance policies usually cover the cost of any inpatient treatment you require and also costs for your hospital stay.
- Medium policies include inpatient care and outpatient care such as seeing specialists and consultants and the cost of follow up treatment and tests.
- Comprehensive health insurance policies are typically the most expensive as they offer the most amount of cover. They cover all of the above as well as covering you for physiotherapy and mental health treatment.
What’s not covered?
Most health insurance policies don’t cover you for pre-existing conditions, chronic conditions or emergency treatment. However, some insurers will insure you for pre-existing conditions as long as you’ve had no symptoms in the last five years. If you suffer from any conditions that you think might be excluded, you should read the policy thoroughly so you have a clearer understanding of what you are and aren’t covered for.
What types of policies can I get?
You can get policies that cover individuals, couples or families. As you might expect, an individual policy provides medical insurance just for yourself. You pay a premium on a monthly basis and have access to high quality care should you need it.
Joint policies cover you and your partner. Family policies provide private health insurance for the entire family. If you have an individual policy, some insurers allow you to add children at no extra cost. Dependants are generally accepted if they’re under the age of 18 but it’s worth checking the age with your insurance provider.
Things to consider
What types of treatment do you want to be covered in the policy?
You should find a policy that’s tailored to your needs. You can decide what level of cover you want to take out and you may want to opt for cover that includes mental health treatments, physiotherapy, outpatient appointments and complementary therapies.
What private hospital you’d prefer to be treated at
Most health insurance policies have a tiered pricing level that is dependent on where the treatment centre is located. For example, hospitals in central London are often higher on the tier and tend to be more expensive. If you travel further for treatment, it could reduce the cost of your policy.
A six week waiting option
You can choose to receive NHS care rather than private care if the NHS can see within six weeks of a referral. Your premium could be cheaper if you choose this option.
Your age
Typically, health insurance is more expensive the older you are so don’t be surprised if your premium rises after each birthday.
