Most UK residents are entitled to free healthcare from the NHS.

There are several benefits of taking out health insurance. In the event that you develop a condition, you can relax in the knowledge that you have quick access to the treatment you need to help you back on the road to recovery.

It gives you a choice in the level of care you get and how and when it is provided.

What does it cover?

Basic private medical insurance usually picks up the costs of most in-patient treatments (tests and surgery) and day-care surgery.

Some policies extend to out-patient treatments (such as specialists and consultants) and might pay you a small fixed amount for each night you spend in an NHS hospital.

Some private healthcare providers also offer benefits even when you’re not unwell, such as gym memberships, wearable tech offers and entertainment discounts.

When contemplating your options, you might want to look for a package with the following:

    – Hospital treatment paid in full

    – Outpatient therapies paid in full

    – Aftercare paid in full

    – Post treatment tests and scans paid in full

We understand that it is important for you to fully understand the health insurance policy you’re considering before joining. You need to know what it includes and excludes to be absolutely certain that it meets your needs. Most health insurers also offer the option to set up couple and family policies too.