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Health insurance, or private health insurance, is medical coverage that gives access to high-quality healthcare with no delay. You will pay a monthly or yearly subscription that covers all or some of the medical costs. The payment is usually called your premium.
Private health insurance is offered as a packaged deal that is designed to meet the needs of different customers. There are plans varying based on the types of treatment covered, what levels of insurance cover apply, locations of treatment, and contributions you’re required to pay towards a claim.
Health insurance does not take away from free coverage provided by the NHS. In fact, it is designed to offer treatment alongside the NHS service.
Most UK residents are entitled to free healthcare from the NHS, while private practices are associated with different insurance quotes based on tiered plans. Other major differences are waiting times (which are longer with the NHS) and the availability of treatments. Some treatments are only covered by private insurance - emerging drugs, alternative therapies, some specialist surgeries and rehabilitation sessions, etc.
If you don’t have healthcare insurance and want to receive treatment, you usually go through the following process:
In some cases, you can receive treatment and then make your claim. However, we still recommend contacting your provider first. You need to be sure the procedure is covered by the policy; otherwise, you will have to pay out of pocket.
The more basic medical care policies pick up the costs of most in-patient treatments, such as tests and surgery, and higher-tier policies extend to out-patient treatments, such as specialists and consultants – and might pay you a small fixed amount for each night you spend in an NHS hospital. If you’re not sure which one is worth checking, we compare policies from all over the health insurance market here at Healthplan.
|Comprehensive||Inpatient and Outpatient Care
Extra Treatments including physiotherapy, mental health counselling
Possibility for supplementary treatments
Here is what most health insurance policies include:
Here is what the coverage doesn’t usually include:
See private health insurance costs at some of the leading providers.
To give you a better understanding of health insurance costs, we want to point out factors that affect them:
One out of ten people has private health insurance in the UK. And if you think it is an unnecessary luxury, there are many valid reasons for going private when you get health insurance instead of the NHS. Some of them are even listed on the NHS Statistics (2021) page:
But with private healthcare, you have the peace of mind that you’ll be covered against unforeseen health or medical problems. You won’t be restricted by public services you have no control over; instead, you’ll gain unparalleled security and flexibility over your health.
To choose the most suitable private health insurance company and policy for you, here are a few factors to pay attention to:
There are a few nifty ways to reduce the amount you spend without sacrificing the benefits that are crucial for you:
And when you want it to start, your budget and your postcode
It's just a few details, such as your date of birth, gender and whether you smoke
Compare your options and choose the health insurance that's right for you
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There are different categories within private health insurance to compare, but it depends on what parameter is taken into consideration. There are Basic, Medium, and Comprehensive based on the level of medical cover and cost. There are individual, family, joint, and children health insurance based on who is covered. Dental and life insurance are also considered separate types of health insurance.
The answer might be different depending on your circumstances and the health insurance policy you want. While the costs are the biggest drawback, there are many benefits that make it a worthwhile investment for some people. You get quicker access to medical consultations, scans, and treatment, the ability to choose specialists and hospitals, a wider range of medications and treatments, among other things.
Health insurance premiums are considered benefit-in-kind (BIK) that are deductible in some cases. If you’re an employee and your expenses exceed 7.5% of your adjusted gross income (AGI), not only your health insurance premium becomes deductible but also other healthcare costs. If you’re self-employed, you may be eligible for a deduction even without exceeding the 7.5% threshold.
You can add your children (biological, stepchild, adopted, or foster child) as dependents to your insurance if they are under the age of 26 and have lived with you for at least six months. Also, you can usually add your spouse to the plan. As for other types of dependents, you can sometimes add relatives with a gross annual income of less than $3,000, and you are responsible for their financial support.
It depends on the insurer. Some simply adjust the cost of the policy for in-patient treatments and other items covered in the insurance. Some providers set a maximum limit at 65 or 75, which is why it’s very important to do your research.
Most health insurance plans are offered as one-year contracts with a specified date of renewal. If you think you might need different coverage next year, you can switch up coverage before the expiry of the policy. Don’t automatically renew your policy before looking over every detail.