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Private Health Insurance - who and what is covered
Private medical insurance will cover the cost of specialists, surgery, accommodation and nursing bills in a private hospital, or in a private ward in an NHS hospital, drugs and X-rays. You will get better facilities, tastier food and a private room, often with a phone and television.
Generally, policies do not cover the treatment of long-term illnesses that cannot be cured, such as asthma, diabetes or multiple sclerosis, or pre-existing medical conditions. This means you can't buy medical insurance today for an operation you know you will need in a few months.
Policies generally refuse to pay for treating conditions like alcoholism/drug abuse, dental treatment (although this is sold separately), HIV/AIDS, infertility, normal pregnancy or cosmetic surgery.
Some insurers will accept new customers at any age, others have an age limit. But the older you are, the more expensive it is. This means it tends to price people out of the product just when they need it most.
Enquire
If you are unsure about specifics or have questions about health insurance or would like a free, same day quotation - then please do get in touch with us by filling out our simple enquiry form.
Read more about Private Health Assurance
- Private Health Insurance
- Who and what is covered
- The cost
- Medical history
- Claiming
Important
Your home may be repossessed if you do not keep up repayments on your mortgage.
Medics Financial Services is a trading name of Global Financial Ltd. Global Financial Limited is an appointed representative of Best Practice IFA Group Limited which is authorised and regulated by the Financial Services Authority. Registered in England, number 922704, registered office as above.
The Financial Services Authority does not regulate some aspects of commercial mortgages.
The Financial Services Authority does not regulate taxation and trust advice.
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
testimonials
"I have been receiving very sound, reliable, thorough, unbiased and extremely professional advice for the past eight years. This company has certainly stood the test of time and, without exception, the advice has been spot on. I have observed a seamless journey through developing technology with the resulting consistent top of the range care. I am very grateful for the confidence you inspire in me, and the comfort I now enjoy knowing that my financial affairs are in the best of hands. Thank you!"
Tom Browne MB. FRCS.M.Ch FRCS (Gen), Consultant Vascular Surgeon, Broomfield Hospital
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