Using NHS treatment can often lead to long waiting listings and limited treatment. For this reason, it is not surprising that over 5 million people in the UK have private medical insurance for surgical and medical expenses.
Depending on your policy or plan, your insurance will cover the necessary expenses and pay them directly to the care provider or reimburse you for any costs incurred – with £7.4 million paid out in claims every day.
Private health insurance should cover most short-term conditions that can be remedied by surgery, treatment or medical tests. If you require a specific drug and your insurer approves it, your entire treatment can be covered through your annual policy. Treatments that are on-going and considered long-term are less likely to be covered such as kidney dialysis, asthma and drug abuse.
At Call Wiser, we have teamed up with Family Insurance Services to provide competitive health insurance for you and your family. Whether you are looking for a basic policy or something complex, Family Insurance Services have access to several different plans and can find the best product for your needs. If you are looking for cover for other family members, these can be put all under the same account so you have less admin to do and it will save you money.
Whilst your employer may already provide company health insurance, it is common to top this up to suit your personal requirements – whether it is dental insurance, optical or maternity cover.
Short-term treatment is typically covered by your medical insurance such as medical tests and conditions cured by treatment or surgery. Other things covered include exclusive drugs that may not be available on the NHS but included if they have been approved by the National Institute of Health and Care Excellence.
Any outpatient treatment should be covered when you are not required to stay overnight including physiotherapy, stomach, back and skin specialist appointments. For inpatient treatment, you will be reimbursed if you need a hospital bed for the day or night and any additional nursing care.
Other policies may include private ambulances, nursing home care, private hotel rooms and accommodation for immediate family.
You might be thinking that if you have a long-term illness then cover is not available. However, if you have income protection or critical illness cover, you will receive a monthly or lump sum payout to go towards your medical treatment and pay to maintain your lifestyle e.g. mortgage payments, food, school fees, etc.
Health cash plans are available and used for routinel procedures in the private sector such as physiotherapists, dentists and optometrists. This plan is ideal if you have emergency back pain or a wisdom tooth that you want out and don’t want to have to wait for NHS treatment. With a medical cash plan, you get to spend 6 times the amount you wish to pay - so if you pay £200 for cover, you can use up to £1,200 towards treatment during the year.
Finally, you can always use the NHS which provides a fantastic service and is mostly free of charge unless you require specialist treatment. But with less queues and more flexibility, Family Insurance Services are happy to find a medical insurance policy to suit your needs.
Please follow the link to visit our associate life and health insurance company:
Family Insurance Services
Family Insurance Services will help you to find private medical insurance, they offer a fantastic, personal service. They will research the market, find you the best policy and price and give you quality independent advice.
Call Wiser is a trading name of Be Wiser Insurance Services Ltd. Registered in England No. 6097813. Be Wiser Insurance Services Ltd are Authorised and Regulated by the Financial Conduct Authority 465471