At MediCompare, we offer a simple way to compare medical insurance in the UK. We work with the leading insurers in the country to help your find the best policies and prices. Simply enter your details and one of our team members will be in touch with you very shortly.
Private medical insurance is a specific type of insurance covering surgical and medical expenses for an individual, or anyone covered under the specific plan. It comes in two forms:
More and more people are using private medical insurance to get their healthcare needs met quickly. Fill in our quick, simple form to receive a quote. We will find the best deals to suit your needs.
* https://www.statista.com/ chart/29261/share-of-uk-paying -for-private-health-insurance/
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Compare medical insurance policies annually or whenever your circumstances change significantly. Life events such as marriage, the birth of a child, or changes in employment can impact your healthcare needs.
Yes. Consulting a professional insurance advisor, especially an independent insurance broker, can be beneficial when comparing medical insurance policies. These experts can provide personalised guidance based on your individual circumstances and help you navigate the complexities of policy features, terms, and coverage options. Fill in our quick form to get a free quote.
Medical insurance does not make you automatically covered for everything and it generally covers short-term conditions that can be remedied quickly by treatment, surgery and medical tests. It is important to compare medical insurance because every provider has different plans and policies available to suit your requirements.
When using specific terminology you would refer to the ‘insured’ as the ‘owner’ of any health insurance coverage that has been taken out. You would refer to the clinic, doctor, laboratory or pharmacy as the ‘provider’.
Start by identifying your healthcare needs and preferences. Consider factors such as your family size, age, medical history, and budget.
Once you have a clear understanding of what you are looking for, you can use online comparison tools, insurance broker services, or chat for free with one of our expert advisers by clicking here.
Insurance brokers are intermediaries who can help you navigate the complex landscape of medical insurance policies. They have expertise in understanding various policies and can provide personalised recommendations based on your needs. Brokers can offer insights into policy features, costs, and benefits, helping you make an informed decision.
Although plans vary between insurers, the average policies tend to cover the following:
The cheapest plans will not cover all these treatments and some may only be available at a premium.
Medical insurance generally covers curable (short-term) procedures and does not cover ongoing (long-term) procedures such as asthma, kidney dialysis, non-essential cosmetic surgery and drug abuse.
Private diagnostic insurance only covers the ‘diagnostic’, or in other words, it will pay to find out what is wrong with you, and nothing further. After this you will still have to pay for the cost of any necessary ongoing treatment.
Private medical insurance can help to ‘top-up’ the difference between what your corporate insurance provides, and what you might personally need. Through a business health insurance plan you may not be covered for everything that is important to you. Taking a close look at what your company provides will allow you to determine if you need anything extra. You can top-up your corporate plan to include:
Yes. Sometimes you can have a procedure that is not urgent or more affordable and your insurance provider will recommend that at no extra cost. However, private medical insurance is often chosen by people who are keen to avoid long waiting lists.
Health insurance generally falls in to two main categories:
A fully underwritten policy will generally give you wider coverage, but you will likely pay more for this benefit. A moratorium policy will be cheaper but will come with complete, or ‘blanket’ exclusions on many pre-existing conditions. So if you had any previous conditions or things that you were being treatment for (e.g physiotherapy, cognitive behavioural therapy), this will be excluded in your new policy, which can be annoying.
In addition to these two categories, many providers are now offering mix and match policies to make sure the policy is tailored to what you or your family insurance needs. On top of inpatient care these modular policies help you save money in places that you don’t need coverage, and help bolster coverage where you do.
Some providers offer specialist policies including:
Many people choose to supplement their free healthcare with private healthcare. Private healthcare may provide the potential for quicker access to treatment, the ability to choose specific consultants, and the convenience of nearby facilities.
Private coverage may also provide access to medications and treatments that may not otherwise be available. Try to consider your individual preferences and needs when deciding on the appropriate healthcare approach to ensure a satisfactory quality of life.
