Health insurance provides financial support for the people you care about in the event of an unfortunate accident. This guide will help you understand the basics of health cover, what it is and what options are available.
What is health insurance?
Private health insurance is not provided by the government. It can be purchased from a company or other private organization, and it typically covers more health care services than government-provided health insurance. However, private health cover does not cover everything. There are some health care services that are not covered by private health insurance plans, such as dental care, vision care, and prescription drugs.
Why do I need health insurance?
There are a few key reasons why you might need health cover. The most important reason is to protect yourself and your family financially in case of an unexpected health event. Health insurance can help pay for medical expenses if you experience an unexpected illness or injury. These expenses can add up quickly, and they can be difficult to pay for out of pocket. Having health cover can help relieve some of the financial burdens.
Different Types Of Health Insurance
Individual
This allows you to get fast access to medical care if you become ill or injured. This will avoid NHS waiting times. You’ll probably get more choice of consultant and hospital, too.
Joint
This will cover both you and your partner. This is often cheaper than taking out two separate policies, but not always.
Family
This will cover your whole family under the same policy. It is also likely to be cheaper than buying each family member individual cover.
Child
Enjoy the reassurance that if your child becomes ill, they’ll recieve fast treatment in private hospitals and clinics.
Self-employed
This means you can choose when and where you’re treated. Private healthcare can be invaluable if you’re self-employed or have inflexible working hours.
What next?
Now that you’re getting clued up with health insurance the next steps would be to find out how much cover you could get & more importantly how much it will cost.
To help with this process we’ve created a Free custom form to get you a quote. Click here and answer a few simple questions. We’ll provide you with quotes tailored to suit your needs.