How much does private medical insurance cost?

I am new to being self employed and am looking to replace a number of employee benefits I received through my old employer, private health insurance being one of them. What is the cost of a good private health insurance plan for an individual?

Question asked by Tim Stillings
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Answered by Tom Conner

Good question Tim, unfortunately there is no straightforward answer. There are a whole host of different insurers and products on the market which can vary wildly in terms of cover provided, quality and premium.

How comprehensive do you want the cover to be?

It is important to understand where the importance lies in terms of the cover provided, questions such as ‘Do you wish to receive treatment privately for more serious conditions only or do you require cover for diagnostic tests, consultations and scans so you can ensure quick diagnosis?’

As you can imagine the premiums can vary considerably depending on a number of factors including your own personal demographics, level of cover you require and also on the insurers themselves.

Comparing insurers is very important

Insurers all underwrite and price their products in a different manner so one insurer may provide more competitive terms for a 40 year old smoker while another insurer might provide better terms for someone in their late twenties, this is partly why it is so important to shop around and get options from a range of insurers.

Understanding your options…

Putting the things you can’t affect to one side such as your age, postcode and the insurers underwriting we are left with the medical insurance cover itself. Like with most things in life it is a case of you get what you pay for, plans can range from a very basic option which will only provide cover for treatment where a stay in hospital is required while others have all the trimmings and would provide you with cover for private treatment in a whole host of other situations.

With health insurance it is important to build up a picture of the options available, get an understanding of the extent of cover provided, any nuances that inevitably exist from insurer to insurer and most importantly set a budget.

Once you have both a good understanding of what type of health insurance plans are available and you a budget you are in a position to align the two and select a product which is firstly in budget and secondly meets your requirements.

Need help? Get a quote..

If you want to compare the cost of the leading health insurers for yourself you can click here for an online quote. Else if you would rather talk to one of our health insurance experts please don’t hesitate to call us on 02084327333.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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