Comparing Private Health Insurance
We have created a range of useful product pages and comparison tools to help make your life easier when it comes to finding out about private health insurance.
Our aim is to ensure you you have all of the information you need when looking for a Health Insurance policy to find the right options.
Health & Wellbeing Expert at Drewberry
As well as using the bar above to select an insurer and find out more about their policies, you can scroll down this page to find an overview of the key policy factors and things to consider when looking at policies.
Private Health Insurance Terms Explained
When you compare Health Insurance policies, make sure your cover is relevant to you. The key is combining the right options to tailor your cover.
Definition: The type of care you are covered for.
Included as standard
Sometimes included automatically
Not automatically included
Covers treatments that require patients to be admitted to hospital for overnight care.
Covers treatments that require the use of a hospital bed during the day, but not overnight.
Covers treatments that do not require the use of a hospital bed at all.
What to Look for: There are three different types of treatments you can get cover for. If you want a comprehensive policy, you will need to pay more to have outpatient cover included. Standard policies, however, will always include inpatient treatment and many will also include day-patient treatment.
Definition: Analysis performed by insurers to price your policy and decide your level of cover.
What to Look for: Full Medical Underwriting offers more consistent and clear cover, with your exclusions and cover given to you at the start of the policy. With Moratorium underwriting, on the other hand, you have the opportunity to have pre-existing conditions re-included in your policy after a set number of years.
Definition: The amount that you are willing to put forward to cover a treatment.
What to Look for: An excess can help you save money on your policy. The more you’re willing to contribute upfront to your treatment before the insurance kicks in, the lower your premiums will be.
Cancer Treatment and Care
Definition: The types of cancer treatments and care that are covered by your policy.
What to Look for: Not many PMI policies cover long-term therapies, but with comprehensive cover for cancer, your insurer will cover cancer treatments and therapies and others may even contribute to the cost of wigs and prostheses.
Definition: Limited cover for psychiatric treatments, therapies and counselling.
What to Look for: Psychiatric care is one of the most difficult types of care to get through the NHS, with many patients waiting months or years for treatment. If you are looking for a comprehensive policy, psychiatric cover is a great benefit to include.
Routine Dental & Optical Cover
Defintion: Cover for routine dental and optical treatments.
What to Look for: Emergency dental and optical cover is usually covered automatically, but most insurers include the option of adding cover for routine check-ups and basic treatments. This option can be a valuable addition to a comprehensive policy, however it will have a noticeable impact on the cost.
I would like to say thank you to Ciaran King for his professionalism, respect and sensitivity with dealing with my income protection insurance.
Comparing Private Health Insurance Providers
The insurer you choose can be just as important as the policy. The right insurer will have your best interest at heart and offer support when you need it most.
Independent Protection Expert
What do the Best Income Protection Providers Offer?
Additional Benefits and Cover
Definition: Additional levels of cover offered by some insurers with their Private Health Insurance.
What to Look for: Focus on benefits that you are more likely to make use of. Some insurers offer services, such as GP access or private prescriptions, that can be invaluable when you have a medical issue that needs to be resolved.
Definition: The list of approved hospitals where you may receive treatment.
What to Look for: Some insurers offer different options in terms of hospital lists, ranging from extensive to highly limited, that will influence the cost of your policy. You will need to decide whether you want extensive access to a range of different hospitals and keep in mind your level of cover and the typical fees for the facilities on the hospital list.
Applying for Private Health Insurance
Many Health Insurance policies present a nearly overwhelming amount of options when it comes to your level of cover. For that reason, you may consider speaking to a financial adviser to find out which kinds of cover are worth adding to your policy.
How Do Health Insurance Policies Work?
- You become injured or ill and require treatment.
- You visit your GP and are provided with a referral to see a specialist or receive hospital treatment.
- The information given to you by your GP is sent to your insurer’s claims department, who then need to pre-authorise treatment.
- Proceed with your consultation once the insurer has agreed to cover it.
- Aside from your excess and any other excluded items, the insurer settles the bill with your private healthcare provider.
How Do I Apply for Health Insurance?
- Identify what you want from your policy and how much cover you need.
- Review your available policy options and decide which are the best for you.
- Collect and compare quotes from insurers to find the policy you want, or alternatively use one of the Health & Wellbeing Experts at Drewberry to do the legwork for you
- Provide the necessary information to apply, including age and smoker status.
- Review the policy offer you have been given and, if you’re happy, finalise your application.
If you’re having trouble picking out the best Health Insurance policy and provider, speak to our financial advisers.
At Drewberry, our insurance experts make it their business to know these policies inside out to help you find one that’s perfectly suited to you and your circumstances. We’re available any time on 01273646484.
Health & Wellbeing Expert at Drewberry