Know What The Best Health Insurance Will Cover
The best UK Health Insurance is comprehensive cover and pays for all eligible inpatient and outpatient treatment in full.
You can also add various optional extras to your policy for an extra premium to broaden coverage, such as:
- Mental Health cover
- Routine dental and optical cover
- Therapies cover (offering physiotherapy or osteopathy, for example) if not already included in your policy.
The best Health Insurance provider for you will depend on your needs and circumstances.
Why Expert Advice Matters
For instance some insurers are better placed to cover individuals in certain occupations such as doctors or contractors where others are better priced based on location or age. If you are fit and healthy there are some insurers that offer discounts based on how often you exercise.
When helping clients it is important to understand exactly who you are and what matters to you. Our team have years of experience helping find individuals and businesses the most appropriate cover for them at the best premium.
If you need help in this area don’t hesitate to pop us a call on 02074425880 or email email@example.com.
Know The Free Additional Benefits You Can Access
Most providers offer additional benefits for free with their policies. Common free extras include:
- Digital GP services, offering access to a GP via video or telephone
- Parent accommodation costs if a child the policy covers requires inpatient hospital care
- Helplines staffed by medical professionals for assistance with minor medical complaints
- Stress counselling helplines
- Gym discounts
- A cash benefit for each night you spend in an NHS hospital having treatment for a condition your policy would have covered.
Compare providers to see which ones are offering the best additional benefits, as this can vary significantly from insurer to insurer.
We are seeing clients get a huge amount of value from the `Virtual GP and prescription services. It allows you to have a consultation from the comfort of your own home being seen within hours rather than booking way in advance.
Know Where You Can Buy Health Insurance
You have two options to buy Private Health Insurance: You can go direct to the insurer or use an independent insurance adviser such as ourselves.
It’s important to recognise the difference in these approaches as one provides much more protection than the other.
Buying direct from an insurer is a non-advised sale. You personally make the decision to buy cover from that particular insurer, so there’s no financial protection if the policy is inappropriate.
Furthermore, this often involves more work. For example, you need to approach every insurer and compare Health Insurance quotes from all of them to find the best deal.
Once you’ve got the premiums, you’ll also need to compare policy documents, including all the medical and insurance jargon, to work out which plan offers the best coverage.
Getting Independent Financial Advice
Alternatively, an independent Health Insurance expert, such as one of the team at Drewberry, can do all the heavy lifting. We do all the work comparing insurers and policy documents to find you the best cover.
Perhaps most importantly, this is an advised sale. If an adviser’s advice isn’t appropriate and the policy isn’t suitable, you have financial protection as the responsibility for arranging it is with the adviser.