What is the six week wait option on my private medical insurance?

I have a health insurance plan through work and it says it has a six week wait option, what does this actually mean?

Question asked by Mike Thomas
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Answered by Tom Conner

Six week wait option is one of a number of ways you can reduce your health insurance premiums. Opting for the six week wait simply means that should you require treatment and the NHS waiting list for that treatment is less than six weeks you would use the NHS to receive your treatment. Should the NHS waiting list for treatment you require be longer than six weeks you are eligible to receive your treatment straight away.

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

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