What does individual health insurance cover?
Generally, individual insurance covers you for acute health conditions, such as cancer treatment or a hip replacement. It can also include quicker diagnosis of conditions and access to different treatments that aren’t currently available on the NHS.
There are different types of individual healthcare plans available. The policy cover differs depending on the insurance you take out:
- Basic – this covers you for for any inpatient treatment you require and also covers the cost of your hospital stay
- Medium – these policies include everything the basic insurance covers plus some outpatient treatment too, including the cost of seeing specialists and consultants and the cost of follow up tests
- Comprehensive – comprehensive policies cover you for all the above as well as covering you for physiotherapy and mental health treatment
Depending on the insurance provider and what policy cover you take out, you may also be able to add on the following: