What Makes Health Insurance Comprehensive?
- Comprehensive Health Insurance provides you with access to private healthcare so you can bypass NHS waiting lists.
- You’ll get private rooms, the highest standards of care and round the clock visiting hours.
- Nearly all Private Health Insurance plans provide full cover for eligible inpatient healthcare, which is hospital treatment that requires the use of a bed.
- A comprehensive policy, meanwhile, will extend cover to include costs for outpatient consultations, treatments and tests.
- Outpatient care includes any tests and procedures where a bed is not needed, such as scans, blood tests and x-rays.
What Does Comprehensive Health Insurance Cover?
The best and most comprehensive Medical Insurance policies will include cover that cheaper plans may have only as an optional extra, such as alternative therapies or psychiatric cover as standard rather than as an additional add-on.
In addition to covering outpatient treatment in full, a fully comprehensive plan will provide extended cover for other methods of treatment such as physiotherapy, cognitive behavioural therapy and acupuncture.
The details below provide an overview of the cover that is included in a typical comprehensive health insurance plan:
- Receive full outpatient cover for consultations, treatments, tests and scans
- Extended cover for therapies, such as physiotherapy, osteopathy and acupuncture
- An extensive hospital list that includes the UK’s best private hospitals, including sought-after London ones
- Cover for psychiatric treatments and therapies
- Routine dental and optical care
- Advanced cover for cancer treatments and therapies
- Comprehensive cover in overseas hospitals if you’re abroad and have a medical emergency.
Overall, comprehensive cover provides greater peace of mind knowing that all eligible inpatient, day-patient, outpatient and associated healthcare services are covered.
With comprehensive cover, all outpatient consultations with a specialist are covered in full and there are generally no limits imposed on the number of eligible consultations.
Basic Medical Insurance plans, on the other hand, or those with reduced outpatient cover, will typically provide no cover at all for consultations or limit the number or cost of consultations per policy per year.
MRI, CT and PET Scans
Nearly all comprehensive policies cover these scans in full and without restriction.
Other Diagnostic Tests
Practically all comprehensive plans will cover other diagnostic tests in full and without restriction. Basic plans either impose monetary restrictions on diagnostic tests, limit them to inpatient admissions only, or simply provide no cover at all.
Nearly all health insurance plans – regardless of how comprehensive – will provide full cover for radiotherapy and chemotherapy.
In addition, comprehensive policies can provide cover for other essentials, such as prostheses, extended biological therapies, scalp cooling to prevent hair loss from chemotherapy and counselling services.