What is the 6 Week Wait Option on My Private Health Insurance?

I have a Health Insurance plan through work and it says it has a 6 week wait option. What does this actually mean?

Question asked by Mike Thomas

The 6 week wait option is one of a number of ways you can reduce your health insurance premiums.

Opting for the 6 week wait simply means that should you require inpatient treatment and the NHS waiting list for that treatment is less than 6 weeks you would use the NHS to receive your treatment.

Should the NHS inpatient waiting list for treatment you require be longer than 6 weeks you are eligible to receive your treatment privately straight away.

The 6 week NHS wait only impacts inpatient treatment — if you have outpatient cover on your policy, you’ll be seen privately as soon as possible regardless of the waiting list for NHS outpatient diagnostic care.

The 6 week wait option reduces the risk of a claim occurring for the insurer and reduces your premiums accordingly — in some cases premiums can be reduced by as much as a third.

I had a great experience with Drewberry, they have a lot of knowledge and expertise with life insurance and income protection and were able to advise me and arrange suitable products. Highly recommend.

Lachlan Mellings
12/08/2020
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