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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

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.

You would still need to use the NHS for GP services and then be referred on for treatment covered by your Private Health Insurance.

However, it’s worth knowing that insurers are constantly reviewing their coverage and there are now one or two insurers on the market who will offer cover for private GP appointments.

Some policies provide access to a virtual GP service, allowing you to get a doctor in the palm of your hand via a smart phone app. These doctors can issue private prescriptions or refer you on for further treatment if they feel it’s warranted.

If getting private GP consultations is important to you, we suggest you compare the market carefully or, better yet, ask an expert to do it for you.

The team at Drewberry is only a phone call away – just drop us a line at 02084327333.

Sarah provided an excellent and informative service.

Arthur Coates
31/01/2019
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