Even people who live and eat healthy can suddenly fall ill. Even if you or your family do not have a history of serious illnesses, you can never be certain that you won’t acquire any diseases in the future. Therefore, ensuring that you and your family are covered in case unexpected health problems arise in the future should be one of your priorities. Having Private Medical Insurance is a cost-effective way of making sure that you and your family are protected against unforeseen medical expenses.
Having Private Medical Insurance has a lot of benefits. Private Healthcare Insurance will give you peace of mind knowing that you can get the treatment you need at the time you need it. It will give you access to the best hospitals with the best facilities and schedule the treatment at a time that is convenient for you. You can use Private Medical Insurance to complement and work alongside the services that you are getting from the NHS. Having Private Medical Insurance will also ensure that you’ll get a speedy diagnosis since you don’t have to worry about the NHS waiting list.
It usually covers the cost of hospital admission, accommodation, and care, the cost of seeing a consultant. As well as diagnostic tests and surgery. Some covers may also include outpatient consultations, physiotherapy and chiropody, mental health treatment options and complementary therapies. It may also include drugs, such as cancer drugs that may not be included on the NHS.
There are different levels of cover to meet your needs. For example, you can choose the types of treatment that will be covered and the contribution (called ‘the excess’) that you are willing to make to the treatment cost. Premiums also vary depending on your age and circumstances.
It is also important to know what conditions may or may not be covered by your plan. For example, Private Medical Insurance does not typically cover chronic conditions and conditions that have no known cure. It also does not normally cover illnesses that you already had or you are currently suffering from, but there are insurers in the market that can cover this on special underwriting.
It can be time-consuming to compare the costs and benefits provided by each insurer. For some people going through all the information provided by different insurers may be overwhelming. This is where The Right Cover can assist you. Our knowledgeable advisors will be with you every step of the way to guide you to get the best cover that suits your needs.