Health Insurance provides you with access to private medical treatment should you suffer an illness or injury and need to receive prompt care.
When taking out health insurance the two most common questions we get asked by our clients are:
Unfortunately answering these two questions is less straightforward than you would hope.
It depends on a variety of personal and policy factors but the good news is we are going to try and answer these questions for you in this guide.
Firstly, it’s important to recognise each insurers product provides a unique core level of cover.
To make things even more confusing each provider also have their own array of optional extras. You can bolt these extras on to your policy to increase the breadth of your coverage. These extras can include alternative therapies, international cover and extended hospital lists.
As you are not always comparing apples with apples you can’t just look at price of the plan. You also need to look at the level of cover you’re being offered for the amount you pay each month.
Firstly, we have an online comparison tool to help you calculate the cost and compare the policy options of all the leading UK health insurance providers.
Secondly, we have a team of experts on hand to answer your questions and help you find the most appropriate cover 😊.
As mentioned, the cost of cover depends on both personal and policy factors. Personal details insurers consider when they calculate premiums for Medical Insurance include your:
Policy factors, which you largely control, are also at play. The price of premiums depends on:
With so many personal factors and policy options to consider with Private Medical Insurance, we’ve had to make a number of assumptions to calculate the premiums in the table below.
For example, we assumed each individual is:
To properly compare the cost of Health Insurance, we’ve provided premiums for a range of cover starting with a basic Health Insurance policy without outpatient cover.
In addition, there is pricing for a mid-range policy, with outpatient cover capped at £1,000 per policy year, and a comprehensive policy, which covers both inpatient and outpatient treatment in full.
Low Cost Cover
No Outpatient Care
£35 per month
£1,000 Outpatient Limit
£51.66 per month
Full Outpatient Care
£58.64 per month
These cost calculations are for illustrative purposes only.
You will need to provide a similar level of personal information and cover requirements to all of the leading UK health insurers to obtain quotes.
You can use our tool to get personalised illustrations from all the leading UK Health Insurers.
If you have existing health conditions it can make getting cover a little more complicated. To discuss your options give us a call on 02074425880 or email email@example.com.
There are five Health Insurance companies that cover the majority of UK policyholders. Each with their own unique range of products and pricing philosophy.
There are also a number of smaller boutique providers who specialise in niches including covering the self employed and providing international cover.
It is important to obtain quotes from all of the top UK providers when doing your research as premiums can vary considerably based on your age and your cover requirements.
To remain competitive many insurers now offer a range of valuable health and wellbeing benefits as part of their core cover including:
Health Insurance renews annually with premiums generally rising alongside medical inflation. With the market constantly evolving it is important you regularly compare your existing cover to alternative arrangements.
As part of our client service we will do a full market review each year to make sure cover is still suitable and the most cost-effective option.
We started Drewberry™ because we were tired of being treated like a number.
We all deserve a first class service when it comes to issues as important as protecting our health. Below are just a few reasons why it makes sense to talk to us.
If you need help comparing UK health insurance quotes or want to review existing cover give us a call on 02074425880 or email firstname.lastname@example.org.
Very helpful from start to finish. Talked through all the points and gave great advice.