What’s the best policy for my needs?
There are a number of different types of health insurance policies – which is the best for you depends on your circumstances. It is important to decide who you want to cover, just yourself, or do you want family cover, so the rest of your family are included too?
Whilst most policies will typically cover essential treatments as standard, you could have the option to pay extra to secure specialist therapies or complimentary medicines.
Be aware also that typically healthcare policies have a tiered pricing level. This means for example that access to London hospitals, which are often in the highest tier, are sometimes more expensive. Would you be willing to travel for treatment to keep costs down a little?
Let’s look at Chris’s experience:
Chris’s case study **
Chris is in his forties and lives in London with his wife and his two small children with the youngest being 2 years old. He was worried about reports in the media about the NHS and looking for peace of mind that should he or his family need medical help, they would have access to the very best of care.
After looking at options, Chris opted for a policy ensuring that his family would have access to consultations, scans and tests without waiting on the NHS, and cover to pay for any treatment costs for operations in a private hospital, with a private room, at a date and time convenient to them.
It was important to Chris that he got cover from a provider that had the widest list of private hospitals in the UK including Central London.