It is almost a common sense these days to do your research before making any sort of purchase. And it goes without saying that private health insurance is one of the products that you want to get right. So ideally you need to shop around before making a decision. But before that it's equally important to get an understanding of various private medical cover types out there.
Budget cover
Budget level health insurance can provide cover for hospital treatment for in-patient procedures such as surgery, radiotherapy and chemotherapy along with Psychiatric treatment.
These policies will cover your treatment in a private hospital, it might also cover cancer treatment for up to one year and cover any costs related to transport in a private ambulance. With some policies they might offer an NHS cash benefit if treatment is taken in an NHS hospital instead of a private hospital.
Standard cover
Mid-range levels will cover you for most hospital fees deemed eligible and in some cases, specialist fees as well. In most cases, this level will offer the same benefits as the basic level cover but with added extras - this will differ per insurer.
In a lot of cases, mid range cover provides more prompt treatment, including access to specialists and consultants, access to private treatment and cover for use for consultant appointments. Some policies will also include diagnostic tests and outpatient psychiatry, parental accommodation if your child is sick and major dental expenses may also be covered under such policies.
Comprehensive cover
The higher end policies again offer the same cover the mid-range and basic level, but tend to have no limits on them and even more benefits.
They may also include complementary therapies like physiotherapy, psychiatric treatment and access to private hospital transport service. Cover will also be provided for treatment in certain circumstances where there may be complications during pregnancy.
In some cases, the insurance policy may offer an unlimited private ambulance service as well as the benefits previously mentioned. Access to private maternity care and cash benefits for NHS in-patient treatment are also generally available with this level of cover.
I am sure that you take your health seriously, although NHS waiting lists leave a lot to be desired. Private health and medical care insurance will ensure that you and your family are seen by medical experts immediately should they unfortunately suffer from any illness, injury or disease. The beauty of this kind of policy is that it is regarded as affordable medical and healthcare coverage that will typically be far less expensive than you could ever imagine. I urge you to grab this opportunity to protect and nurture your health by taking advantage of our free, no obligation quote.
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