If I take out private health insurance will I be able to use a Private GP?

I am considering taking out health insurance and am unsure to what extent it will cover me, if I needed to see a GP could I go privately?

Question asked by Joyce Ahearn
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Answered by Tom Conner

This is a good question Joyce, broadly speaking personal health insurance plans in the UK can be ring-fenced as either basic, mid-range or comprehensive.

The difference between these three levels of cover centres around the amount of outpatient treatment covered, unfortunately even with the most comprehensive UK medical insurance plans on our panel which would cover the full cost of any outpatient scans, test or consultations there is no cover provided for Private GP services.

International Cover for private GP services

For private GP consultations to be covered in a health insurance policy you need to look at the international health insurance market however given the extent of the cover provided on these plans the premiums are considerably higher.

It can often be a case of weighing up the cost of a UK plan vs an International plan and working out whether you are better off paying for private GP services whilst being covered on the UK specific plan or paying the higher premiums with the international health plan and having the private GP services covered on your plan.

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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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