Private Health Insurance - Answering your Queries

To fully understand the ins and outs of private health insurance, it is important to speak to experts in the industry and discover all the facets that make up a comprehensive private health insurance policy. The best way to do this is to go over the most commonly asked questions when it comes to private health cover and looking at the answers to see if it’s the right option for you and your family. Private health insurance is becoming an increasingly utilised means of protecting oneself from illness and injury and whether private health insurance is arranged via your employers or it is something that you have arranged yourself, the additional peace of mind that it provides is invariably worth the insurance premiums in itself.

Private Health Insurance - Commonly Asked Questions

When it comes to private health insurance, just some of the most common questions that those signing up for policies have include:

Q: What exactly does private health insurance cover?

A: Well, this will vary from provider to provider but, generally speaking, private health insurance plans will cover acute conditions i.e. injuries or illness which more often or not will respond quickly to treatment. It is important to realise that, depending on the provider, certain illnesses such as HIV or drug addiction won’t be covered, so, discussing your needs with health cover providers is crucial.

Q: Does private health insurance cover pre-existing conditions?

A: In the majority of private health insurance plans, pre-existing conditions won’t be covered for obvious reasons. It is always important to be candid with your health cover provider and see if a compromise can reach regarding your private health insurance plan.

Q: Will I need to take a medical?

A: No. In most cases, private health insurance providers don’t require a medical to be undertaken. However, in order for a private health insurance plan to be set up, it is likely that you will need to fill in a medical history declaration form and it is if critical importance that honest answers are provided on this form so as not to jeopardise any claims that you should make in the future.

Looking for Private Health Insurance? Speak to Right to Health

Right to Health is a leading UK health insurance intermediary, helping individuals and corporations find the best private health insurance cover. With access to the UK’s top health insurance companies, Right to Health has advised thousands of clients and can help you to get great health coverage for a competitive premium. Right to Health is authorised and regulated by the Financial Services Authority, which means that you can be confident that the recommendations you are given really are in your best interests. To find out more or to get a review of your current health insurance, call 08000 753 999 or click the Free Online Quote button at the top of the page.

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