First, check what’s included
While policies do differ from provider to provider, there are some elements that should be included in your family policy:
- Inpatient treatment: the costs of needing a hospital bed for tests, surgery or after care
- Outpatient treatment: the costs of seeing a consultant for diagnosis
- Hospital accommodation and nursing care
There are usually extra options that can be taken out to include such things as parental accommodation in the event of child illness, the use of exclusive drugs (not yet available on the NHS) or psychiatric treatment for example.
What’s included will vary significantly depending on how much you pay for your policy.
As well as what’s included, you also need to check to see if there are any caps on the costs covered, for instance for each condition or in a calendar period.