Comprehensive Health Insurance Quotes

How it works

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How does Healthplan Help you Get The Best Comprehensive Health Insurance

Healthplan helps you secure the best comprehensive medical cover by:

• Access to the best deals – We have relationships with top insurers, giving you access to competitive rates and special offers.

• Unbiased expert guidance – We provide independent advice, ensuring you get the best policy without insurer bias.

• Simplifying the process – We handle the paperwork, jargon, and fine print, making it easy to understand your options.

• Customised cover – We tailor policies to your unique health needs, whether for routine care or specialist treatments.

Contact us for a tailored quote and take the first step towards securing your healthcare future.

What Is Comprehensive Health Insurance?

Comprehensive health insurance typically covers a wide range of private healthcare services, including diagnostic tests, specialist consultations, hospital treatment, surgery, and aftercare. Many plans also include extras like mental health support, physiotherapy, and cancer care. It’s designed to give you end-to-end support—from initial symptoms to recovery.

Private medical care for health issues is covered by a comprehensive health insurance plan, which is available across the United Kingdom. This kind of health insurance is important to consider, as it covers more illnesses and treatments than other policies.

Comprehensive sickness insurance allows you to receive therapy that is not available on the NHS. You’ll also get your treatment faster and in a more pleasant atmosphere than you would in an NHS hospital.

Not only does it cover inpatient care, but it also covers outpatient therapy, such as expert consultations and testing. A bigger plan will aid with aftercare treatments such as physiotherapy, mental care, and alternative therapies, in addition to paying for a wider range of diseases.

However, each insurance has its own set of guidelines for what it will pay out for. Before you apply, you should figure out what symptoms and treatments you want to cover – and our health insurance brokers can help you do that.

What Does Comprehensive Medical Insurance Cover?

When purchasing health insurance, you have the option of selecting different levels of cover, of which comprehensive sickness insurance is the highest.

Basic plan is the most affordable option. Only inpatient treatment is covered, which means you must stay in a hospital bed for therapy or testing. It may also cover associated expenses.

Inpatient and outpatient therapy are covered by medium plans. That implies you’ll get private medical care even if you’re not staying in the hospital overnight. In terms of price, it’s a good compromise.

The most expensive form of health insurance cover is comprehensive, but this is because it includes both inpatient and outpatient care. Numerous illnesses and injuries may also be covered with this plan. Some of the following items that your insurance may provide cover for are:

• Cancer treatments like chemotherapy
• Access to specialists and consultants for consultations, testing, scans, diagnosis, and treatment
• A greater variety of private hospitals to select from, including those in other countries
• Access to a private room should you remain in a hospital
• Additional postoperative treatments
• Dental and optical care
• Physiotherapy
• Mental health treatment
• Home nursing
• Other alternative therapies like acupuncture

Some of the services will be provided as standard on the more comprehensive medical insurance plans, while others will have to be selected as an add-on; therefore, it is vital to consider the sort of PMI you want and which services are most important to you.

How Much Does Comprehensive Health Insurance Cost?

The cost of each provider and insurance is different. However, the following are some of the elements that may influence the cost of your comprehensive health insurance in the United Kingdom:

• Your age: The younger you are, the less price will be.
• Your medical history: This may be considered, as well as your overall health.
• Your way of life: Whether you smoke, exercise, or consume alcohol are lifestyle factors that might affect the cost.
• Where you reside: Insurance in some areas, like London, is more expensive.
• Your cover: Whichever insurance you select, the more cover you require, the more it will cost.

Although a more comprehensive health care plan would cost more, there are a variety of methods to cut costs. This varies with each plan; however, it can contain the following choices:

• Change your policy excess: The more you are willing to pay forward into a claim, the cheaper your medical insurance will be. Excesses generally range from £100 to £5,000, depending on your insurance company. After that, the insurance will cover the remainder. An excess will not affect the extent of your cover, but it will decrease your rates.
• Accessibility to private hospitals: You can have the option of lowering the number of private hospitals you have access to.
• NHS treatment: Accept treatment from the NHS if it can be provided within six weeks. Your health insurance kicks in only if the operation you require isn’t accessible on the NHS or if the waitlist is greater than six weeks. This solely pertains to inpatient treatment. Your right to outpatient treatment is intact, as outpatient cover is not limited to a fully comprehensive plan.
• Set amount: Consent to an outpatient treatment cap, which means you’ll still be covered, but only up to a certain amount.

Given that plans are priced based on a variety of criteria, such as your age, location, and medical history, it’s critical to shop about and compare all of the major insurers to obtain the best deal.

If you currently have private medical insurance, you should check the market every couple of years to make sure your cover is still the best affordable for your situation.

In general, though, given that a patient is healthy, they can expect to look at the following prices:

To learn more about our policies, request an online quotation to discuss your alternatives and how to customise your plan to your specific requirements.

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