Additional Comprehensive Benefit Options
As well as providing full cover for your essential treatments and consultations, a comprehensive policy can provide additional cover and a range of complementary benefits.
Such cover is rarely if ever included as an option for a basic Health Insurance policy.
Most comprehensive health insurance plans will provide full cover for physiotherapy.
Less comprehensive policies are unlikely to provide a level of outpatient physiotherapy or typically limit the cover provided to £500 per policy year. Some will only cover sessions if they are a follow-up from a covered inpatient treatment.
Many comprehensive policies provide at least some psychiatric cover as part of their plans. This is typically limited to outpatient-only sessions.
While there are some comprehensive Private Medical Insurance policies that offer both inpatient and outpatient psychiatric care as standard, most policies provide limited cover due to the cost of providing psychiatric treatment.
Policies will either cap the cost of your psychiatric care per policy per year or cover only specific psychiatric treatments.
Basic plans rarely cover psychiatric healthcare at all.
Comprehensive Health Cover Upgrades
Routine Dental and Optical Care
A number of policies allow you to include routine dental and optical healthcare to your plan for an additional premium.
The benefit provided usually sets out a specified pot of ‘cash’ for you to use throughout the year and claims are typically subject to an excess.
Upgraded Hospital List
For an increase in premium, it is possible to upgrade your hospital list to a premier list or a London list.
The London list provides access to an increased number of London hospitals compared to a standard national list.
With the premier list you can receive treatment at practically any hospital in the UK, including the country’s most prestigious hospitals.