Healthplan Blog: Insights and Articles

Awareness around mental health has steadily grown over the past few years and with it, the demand for meaningful mental health support. Whether it’s stress, anxiety, depression, or more complex psychological conditions, many people are now curious of what mental health insurance what does it cover?

As NHS cancer services face increasing delays, more UK residents are turning to private health insurance to secure faster diagnoses, access to advanced treatments, and financial peace of mind. With long NHS waiting times and limited access to cutting-edge therapies, private cancer cover is becoming an essential safeguard for those seeking timely, comprehensive care without the burden of out-of-pocket costs.

Leaving a job often comes with a whirlwind of change—new routines, financial adjustments, and a long to-do list. Amid all this, one vital area that’s easy to overlook is your health cover. If you’ve been relying on company health insurance, it’s important to understand what happens next and how to stay protected.

Staying fit and healthy can have a direct impact on everything from long-term wellbeing to insurance premiums—and more health insurers are starting to recognise that. Some now offer gym discounts as part of their private health plans, helping customers take proactive steps to improve their physical and mental health.

Choosing the right family health insurance is one of the most important decisions you can make to ensure your loved ones have access to quality healthcare. With so many options available, it can feel overwhelming—but finding the best family health cover doesn’t have to be complicated. By understanding the key factors and benefits, you can select a plan that suits your family’s unique needs. Here’s a simple guide to help you make an informed choice.

Discover the pros and cons of self-paying for medical expenses and medical insurance. This article covers the differences between self-paying and medical insurance and assists you in making an informed decision about managing your healthcare costs.

In this article, we’re exploring Private Medical Insurance, focusing on Hospital lists and guided pathways. These are essential elements that shape how individuals and businesses access healthcare.

If you’re travelling to a foreign country, travel insurance may be the difference between being able to enjoy your trip and having to pay exorbitant medical bills when an accident or illness occurs. But what exactly does travel insurance cover, and how does it differ from health insurance?

Health insurance in the UK has seen an explosion in costs over the past few years as healthcare providers struggle to keep up with demand while managing soaring costs due to inflation and rising costs of pharmaceuticals and other medical equipment, to name just a few.

Health insurance is something that many people don’t think about until they need it. But suppose you are planning on living abroad or are already in another country. In that case, you should be aware of the topic of medical care and the health insurance companies available where you live.

Operation costs, especially in private hospitals, continue to skyrocket. Many are surprised when they discover the cost of private surgery, especially if they require a procedure. Private surgery costs depend on the hospital, operation type, and the patient’s unique requirements, if any. You can expect the same procedure to be more or less expensive depending on these varying factors.

The last two years showed the world that medical emergencies are unpredictable and cause significant pressures for frontline healthcare workers. In the UK, the NHS is still stretched to its limit, so it might be a good idea to look for other options for your medical treatment, such as insurance.

Insurance is an essential part of life since unexpected events can happen to anyone, at any time, in any location. With this knowledge, the concept of loss recovery, now known as insurance, was born. It functions as financial aid in the face of a life’s unpredictability.

Health insurance for your business is a necessity. But what type of underwriting should you choose? Did you know that MHD works to cover pre-existing conditions? With this type of cover, your past medical history is ignored and replaced to include the health challenges that will come up in the future. Medical History Disregarded can be availed if you have 20 or more employees in your business. Below we provide a comprehensive study of MHD, how to get it, what it includes, the cost, and pros and cons.

Before you purchase health insurance and even before you can get a quote, you need to decide on your excess amount. It’s only payable if you, or someone on your policy, claims on the policy. It might sound counterintuitive to pay for treatment before your insurer, but it helps to keep your premium more affordable. Are you willing to take on a portion of the expenses before your insurance policy kicks in? This is what medical excess is all about.

Moratorium underwriting is a process by which insurers determine the terms of health insurance, where they exclude all pre-existing conditions from the last five years for a period of two years. After that, the list of pre-existing conditions is reconsidered, and insurance policy exclusions may change. It is an alternative to full medical underwriting, where some pre-existing conditions are excluded permanently. A moratorium takes the recurrence of an illness into account, allowing for more flexibility in the cover.