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Find out how health insurance works, what treatments are covered and the best insurance companies rated by thousands of real customers.
Health Insurance Companies Uk List
In general, health insurance is designed to cover private treatment for illnesses that respond quickly to treatment (often called “severe” conditions), as well as specialist surgeries and medical tests.
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This guide tells you what you need to know about private health insurance, how it works and the best providers.
Please note that the information provided in this article is for informational purposes only and does not constitute advice. Please check the specific conditions of the insurance before making any financial product.
We conducted a survey to get the views of private health insurance customers who applied in the last two years.
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Like many other types of insurance, the cost of private health insurance depends on your circumstances and the details of the cover purchased.
Likewise, where you live can have a big impact on the cost of treatment and, as a result, the premiums you pay.
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Premiums also inevitably increase with age. For younger customers, comprehensive health insurance can cost a few hundred pounds a year. For customers over retirement age, the cover can reach thousands.
The table shows some examples of what two couples (aged 35 and 55) might pay per year if they want cover for surgery, comprehensive heart and cancer cover, diagnostic tests and scans and therapy (eg physiotherapy).
However, these are illustrations. Prices may vary depending on the specific coverage options you choose, as well as your age and medical history.
Table Note: These are illustrative quotes obtained from insurance websites in August 2023. We chose an affordable combination of cover that provides comprehensive patient care, heart and cancer cover, diagnostic tests and scans and some spousal treatment. Health, living in South London. Outpatient cover was removed where possible. We didn’t choose any extras, but we did choose the waiting time when it was offered. Cover for 1 treatment is not available online so is not included in the quote.
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Private health insurance can be helpful, but whether it’s right for you depends on your preferences, finances and current medical history.
In our June 2023 survey we found that one in five of 14,821 patients had paid for private treatment in the past two years? Members we reviewed.
Although it can be expensive, the private patients we heard from in our research were generally very happy with their care. Private hospitals can offer better rooms and more, and skipping long NHS waiting lists can be a huge help if you need urgent treatment.
Paying for private treatment with your savings can be difficult: a hip replacement can cost more than £13,000, for example, while cataract surgery can cost around £2,800 per eye.
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Insurance can help you avoid these huge one-off costs, instead of paying a small premium each year – whether you make a claim on your policy or not.
If you are unlikely to make a claim on your insurance, and/or you are comfortable using NHS services on the rare occasions when you need treatment, private insurance may not be right for you.
But if you can easily afford the premiums and prefer private treatment, insurance is a way to control its costs.
Additional cover that may be available may include psychotherapy, complementary therapies and medicines not available on the NHS (but approved by the National Institute for Health and Care Excellence).
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If you choose fully insured private health insurance, you will need to provide your provider with your complete medical history. It uses that to decide whether to insure you or how much to pay you.
Buying a moratorium prevention policy is much easier than going through your extensive medical history with your insurance, but fully documented plans can be expensive and you will know from day one which conditions are not covered.
Some insurers have special policies. For example, some will only cover you if you have to wait more than six weeks for NHS treatment. Some policies are designed specifically for people over 55, or focus on a single disease, such as cancer.
Modular, pick-and-mix style policies are more common. It covers you for your treatment but also allows you to add or remove covers to tailor your insurance package.
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Private health insurance is a complex product, so it’s best to talk to a salesperson, especially if you have a health problem or need special cover for certain illnesses.
To find a broker, you can check the British Insurance Brokers Association (BIBA) or the Association of Medical Insurers and Intermediaries (AMII) or use the service provided by Lifesearch.
Start by considering your choice of hospitals. Most providers will give you a list to choose from and you may be able to cut costs if you choose a short list.
Decide which parts of the cover are really important to you; Many insurers allow you to pick and choose from modules. For example, eliminating or reducing outpatient coverage (consultations and scans, mostly) can shave hundreds off annual premiums.
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Some insurers also offer the option of going back to full cancer cover by providing cover, for example, which only applies if you need treatment or the medicine is not available on the NHS.
Next, consider adding an excess to your policy. If you want to contribute to the medical costs yourself, your premium will go down – make sure you can afford more.
‘Co-payments’ is a further subject change. With a co-pay, you commit to paying a percentage of the cost of the ad (say 10% or 15%) up to a maximum amount (say £1,000).
You’ll get a discount on the premium because you owe less money on the insurance, but the higher rate means you won’t have to deal with a larger sum yourself.
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Also consider whether you are prepared to receive certain treatments from the NHS. Most policies allow you to choose discounted cover where the NHS can offer it sooner (usually six weeks). So, if speed of treatment is your main reason for going private, this can be a good thing.
Private health insurance is a little different from auto and home insurance, where switching from year to year brings you savings. Changing policies to get a better price – although certainly not possible – should be done carefully.
If your premiums have gone up and you see a cheaper deal elsewhere, check with your current insurer what the actual terms of the change will be before you leave. Importantly, if you have any medical conditions that are currently covered, rest assured that the new policy will continue to cover them.
This can be difficult to navigate, so you may need to contact a consultant or dealer if you are unsure.
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Some insurers will give you a discount if you stay healthy. Aviva’s MyHealthCounts programme, for example, offers up to 15% off your renewal premium if you’re fit and healthy.
Claims for different health insurance companies are different. If you plan to seek private treatment, read your policy’s fine limit or check your insurer’s website to see if there are specific instructions.
Start by talking to your doctor about your condition as you normally would. Your doctor can refer you to private treatment. There are two main types of referrals: Open referrals, where your doctor does not send a letter to a specific consultant. or named references, where the specialist is listed in the book.
Next, call your provider and explain the situation. What you need when calling varies from provider to provider, but consider the following:
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After you see a specialist, call your provider again to tell them what steps to take next. Also, make sure you understand how you will pay for any advice or treatment – you will have to pay the money back and make a claim, or you will be paid directly by the provider.
If your claim isn’t going the way you hoped, or if you feel your insurer has treated you unfairly, don’t be afraid to complain.
Talk to your provider first, but if this doesn’t help (and you’ve gone through their complaints process) talk to the Financial Ombudsman Service by calling 0300 123 9123.
Going private for treatment gives you more options, but it also opens up more confusion when deciding where to go and how much the procedure will cost.
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