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You're just one click away from saving money! Here at Cheapest Private Medical Insurance UK not only do we show you who has the most attractive deal but we also give you information as to who is offering introductory discounts and other loyalty incentives. Compare major UK Private Medical Insurance providers online right now. Cheapest Private Medical Insurance UK make it easy and quick for you - we have banned those annoying "popups" on all cheapest sites - if you spot any or want to get in touch with us about other matters please click on the Cheapest Offer link at the bottom of this page!
To get started, simply click on "Apply Now" and find a Private Medical Insurance provider that suits your needs. You will be linked to an online application which only takes a minute or two to fill out. Thank you for stopping by, and be sure to bookmark this site!
About - Private Medical Insurance |
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| What's good about private cover? - The number one reason most people choose to go private is that they can avoid waiting lists. You will have a choice of specialists and much more flexible visiting times. You will also have a private room and so not be in the communal and often noisy ward system. If you're well enough to eat, private hospitals often offer quality meals akin to a smart restaurant. What's bad about it? - It's very expensive, particularly if you want a good comprehensive policy and premiums rise the older you get, although a few companies do not penalise you for getting older - so make sure you shop around. Can you obtain cover through your job? - The small company market is the fastest growing sector in the market. Even if individuals have to make a contribution, cover will be cheaper. Some jobs already have private medical insurance as a free perk, others may offer it at a subsidised rate. This is well worth taking up and you may also be able to buy discounted cover for your partner and any children. Budget or comprehensive? - Budget plans do not cover you for outpatient treatments such as physiotherapy - they exist only for in patient care. You could also find there are other exclusions such as psychiatric. Comprehensive plans offer wide reaching cover, but always check what is not included as well.. Do not expect cover for existing health problems - Insurance is there for the unknown. This means any existing health condition will be excluded. Some existing conditions may become insurable after a waiting period set by the insurer, provided the condition does not reoccur during this period, and you must not be taking any medication for the existing condition or injury during this time. You will need to state on the application form any current illnesses or chronic ailments such as asthma or eczema. Although complications in pregnancy may be covered, actual childbirth won't be. |
Which insurer to choose? - Do not just pick a big name insurer. There are smaller ones that offer very good service and cover. All insurance companies based in the UK and offering insurance are regulated, so you can buy with confidence.
Cash Plans - Companies advertise their cash plans widely. A cash plan pays out a set amount if you need to go into hospital , also for other healthcare needs such as glasses. Paid by regular subscription, they have benefits and can top up your income, but they are not a substitute for insurance. Payouts will only be up to a stated amount and certainly wouldn't cover the cost of private treatment.
Private Medical Insurance - A Cheaper Deal Without Compromising On Cover
- Cheapest cover will typically be a plan with a high excesses. An excess is the amount you pay before the insurer pays the remainder. Some insurers offer policies where they will only pay after you've paid the first £5,000, others for example offer excess levels of £1,000, £2,500 or £5,000.
- Agreeing to have treatment in an NHS private wing rather than a private hospital, should also lower the cost. In the case of serious illness, you may find that the large NHS hospitals have better facilities to deal with emergencies. Some plans will only pay for private treatment if the NHS waiting list is longer than six weeks, again these can save you money.
- The number of conditions that are covered can make vary the cost. Some policies cover a list of around 100 conditions including cataracts, hip replacements and varicose veins etc. But, if you contract a serious problem i.e. cancer you won't be covered.
- All policyholders do have initial access to a private consultant. Companies usually insist serious conditions are often best treated in the NHS and this includes those conditions that often have long waiting lists. Premiums are around 30% less though than with a standard policy. But, if you're not convinced that the NHS will work out in the case of serious illness, this is far from being a full insurance.
Self pay - Paying for your own treatment is growing fast for those who can afford it. If you have the money set aside there are also companies around to help make sure you get the best deals. They will negotiate with hospitals and ensure you receive an all-inclusive price for your treatment. Many people who can afford private care, don't know how to source it. There are companies who do and advise on the right hospital, consultant and other information the prospective patient will need to know. They can sometimes also help with loan sourcing if required. Of course, one major problem with self pay is that the costs can be extremely high. Claims can be beyond the cost of many people.
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