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What is Personal Health Insurance?
Personal health insurance provides individuals, families, and self-employed professionals with access to high-quality private healthcare. By offering faster treatment options, tailored cover, and peace of mind in managing health expenses, personal health insurance ensures that you’re prepared for the unexpected.
Whether you’re looking to bypass long NHS waiting times or gain access to specialist care, having the right insurance plan empowers you to prioritise your health on your terms.
What Are the Benefits of Personal Health Insurance?
Private health insurance offers a range of valuable benefits that make it an essential choice for many individuals:
· Access to private healthcare facilities: Enjoy faster access to treatments at private hospitals and clinics.
· Reduced waiting times for treatments: Avoid lengthy NHS queues and receive care when you need it.
· Tailored cover to suit individual needs: Choose a plan that matches your specific health requirements.
· Peace of mind for unexpected health issues: Rest assured knowing you’re covered for unforeseen medical emergencies.
Who Needs Personal Health Insurance?
Personal health insurance is an ideal solution for anyone seeking control over their healthcare, particularly:
· Self-employed professionals: Those without employer-provided health cover can benefit from customised plans to safeguard their well-being.
· Individuals seeking more control: Take charge of your healthcare by choosing where and when you receive treatment.
· Those looking for faster access: With private insurance, long waiting times become a thing of the past, enabling you to prioritise your health when it matters most.
What Does Personal Health Insurance Cover?
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 at Healthplan.
Health insurance |
|
|---|---|
| Plan | Level |
| Basic | Inpatient care Hospitalization expenses |
| Medium | Inpatient care Hospitalization expenses Outpatient Therapies |
| Comprehensive | Inpatient and Outpatient Care Extra Treatments including physiotherapy, mental health counselling Possibility for supplementary treatments |
Here is what most health insurance policies include:
- Medical treatment for acute physical conditions.
- Cancer treatment
- Psychiatric treatment
- Dental treatment on an in-patient basis.
- Private consultations
- Hospital stays
- Physiotherapy
- Diagnostic services like scans, tests, and X-rays
- Pharmacy
- Prostheses
- Home nursing
Here is what the cover doesn’t usually include:
- Long-term or chronic conditions (diabetes, Alzheimer’s disease, arthritis, heart disease, high blood pressure, high cholesterol, osteoporosis)
- Pre-existing medical conditions (allergies, sleep apnea, epilepsy, lupus)
- Organ transplants
- Cosmetic surgery
- Pregnancy and childbirth
- Certain injuries (e.g., from dangerous sports, war-like hostilities)
How to Choose the Best Plan for You?
Finding the right personal health insurance plan is essential for your peace of mind. Consider the following:
· Budget and cover needs: Choose a plan that balances affordability with comprehensive cover.
· Provider and policy comparisons: Compare offerings from trusted insurers to find the best value.
· Understand terms and exclusions: Ensure you’re aware of what’s included and excluded in your chosen plan to avoid surprises later.
Why Choose Healthplan for Personal Health Insurance?
Healthplan stands out as a trusted broker of personal health insurance:
· Wide range of plans: We are happy to discuss with you the different options of private health plans and insurers that suit your needs.
· Expert advice: Our team helps you navigate the complexities of health insurance to find the perfect plan for your needs.
· Proven reliability: With positive client reviews and a reputation for exceptional service, you can count on us to assist with your health insurance journey.
Personal health insurance is an investment in your health and well-being, offering access to quality care, faster treatments, and tailored cover. Whether you’re self-employed or simply seeking more control over your healthcare, private insurance ensures peace of mind in navigating medical needs.
At Healthplan, we offer a range of personal health insurance plans tailored to meet diverse needs. Explore the following options to find the right cover for you:
· Health Insurance for Pre-Existing Conditions
· Comprehensive Health Insurance
· International Health Insurance
Each plan is designed to provide comprehensive and flexible cover to suit your individual or family needs.
Contact us for a tailored quote and take the first step towards securing your healthcare future.