Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.

What is a Good Cheap Health Insurance Plan for Students?

I have come to the UK to study and as such I am looking for a good all round private health insurance plan that is reasonably inexpensive?

Question asked by Anthony Pym

With Private Medical Insurance there are many different insurers and products available which cater to a huge range of needs.

What would affect my premiums?

There are a mix of factors that can affect the premiums, from your own personal factors such as age and smoker status to the level of cover provided by the plan.

Take age for example, unfortunately growing old is a part of life and with it tends to come more aches and pains and as a result private medical insurance premiums tend to rise with age.

Getting the right health cover…

Student medical insurance like any form of cover is made up of two core components in the level of inpatient / day-patient treatment and outpatient treatment that is covered by the plan.

Although products can vary considerably many of the mainstream insurers core products cover inpatient and day-patient treatment in full. Thus should you have a more serious condition and require a stay in hospital such a plan would cover these costs in full.

However, it is the level of outpatient treatment provided by the policy which has the biggest bearing on the pricing.

Outpatient cover will often include scans, specialist consultations and diagnostic tests where a stay in hospital is not required. A very basic plan may offer no outpatient treatment while the most comprehensive may cover such treatment in full.

Cost-effective cover

To contain the premiums there are elements you can adjust to ensure your private health plan comes in within budget, this includes considering an excess and altering the hospital list. See – Ways to Reduce Health Insurance Premiums.

Many insurers now offer policies which have elements that can be mixed and matched to suit your requirements and budget.

As with any individual taking out a health insurance plan it is important to review the insurers terms to understand the intricacies of cover provided if in doubt seek the advice of an expert. We are here to help, all it takes is a phone call to 02084327333.

Drewberry set up our insurance and were really helpful and made it very easy. I was really pleased at how responsive they are and how friendly and easy they made the whole process. I am delighted to be working with them.

Tara Wavre
13/03/2019
Compare Top 10 UK InsurersTakes approx. 60 seconds

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
Does My Private Health Insurance Cover Me for Routine Dental Treatment?
Does my private medical insurance cover me for routine dental treatment? I go to a private dentist for check-ups and hygienist and pay for the treatment out of my own pocket. I have private medical insurance and wanted to know whether I could claim back a
How much Does Private Medical Insurance Cost?
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
Why Should I Get Health Insurance Advice Rather Than Going Direct?
Why should I use a private health insurance broker rather than going to the insurer? I consider myself reasonably competent online...
Is There a Maximum Age Limit When Taking Out Private Health Insurance?
Is there a maximum age limit when taking out private health insurance? I have been on a group scheme most of my working life and am now getting close to retirement.
Will My Medical Insurance Cover Me for Emergencies?
Will my medical insurance cover me for emergencies? I am considering taking out a health insurance policy and wanted to know whether it would cover emergencies or whether that is still via the NHS?
What's the Difference Between Health Insurance and Medical Insurance?
Difference between health insurance and medical insurance? I am looking for insurance that will pay for private hospital treatment
Contact Us
Head Office & Pensions and Investments
Cannon Place
78 Cannon Street
London
EC4N 6HL
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.