What is the maximum limit I can claim on my private health insurance?

I am looking to take out private medical insurance and I was wondering if there are any claim limits?

Question asked by John Sands
Compare Top 10 UK
 Health
Insurers
 
Takes approx. 60 seconds
Level of Cover
Excess
Date of Birth

Answered by Robert Harvey

This is a very personal question as there are a whole suite of health insurance products on the market all with different levels of cover, varying limits and policy terms.

For your specific plan it is important to consult either your adviser or your insurer direct to ensure you clearly understand what is and is not covered under the plan.

When a claim may be limited

Most insurers offer a number of products which can fall in one of three broad categories. Ranging from a basic health insurance plan which will only provide cover for more serious treatment where you require a stay in hospital, such a plan may limit the level of inpatient treatment you receive but is not likely to offer any form of outpatient treatment.

A mid range option will provide a level of cover for both inpatient treatment and outpatient treatment, inpatient will often be covered in full where you will have a monetary cap such as £1,000 per policy year on outpatient treatment such as scans, diagnostics tests and consultations.

Broadly speaking most comprehensive health insurance plans will cover both inpatient treatment and outpatient treatment in full with a number of additional benefits thrown in to the mix.

However as mentioned prior each insurer has their own products which often have a number of options to choose from so to truly understand your policies limitations you will need to read through your policy terms and discuss with your adviser or the insurer.

maximum limit
 
private health insurance
 
level of cover
 
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.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Private Medical Insurance Questions

 
I have come to the UK to study and as such I am looking for a good all round private health insurance...
 
I am looking into a Private Health Insurance plan and am unsure of whether or not I should include...
 
I am looking to take out private medical insurance and I was wondering if this would cover me on holidays...
 
I am considering a private medical insurance policy and do not fully understand the different between...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Edward Brampton
13/01/2018

They were patient thorrgh and good value for money. I regret not using them before and I will use them again in the future.

Fiona Katumwa
11/01/2018

Very excellent service and informative. All options were offered and I had to make my own decision at the end. Would recommend.

Graham Mccollum
14/01/2018

Very efficient and well instructed service with polite staff, I felt Drewberry really did do their utmost to find the best deal for me personally.

We are rated 4.9/5 based on 1320 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1398 Reviews
A
Overall Rating
Very supportive and helped to choose effective product.
S Cutter
Overall Rating
Very professional and easy to deal with. Jake treated me like a human being and made me feel like a valued customer.
P
Overall Rating
Applied for an income protection plan and owing to medical condition had to make a few changes and Victoria from drewberry was really helpful
P Monaghan
Overall Rating
Courteous, prompt and clear service
D Lewis
Overall Rating
I was having trouble finding a suitable income protection policy online and was unclear about what I should be looking for, so I contacted Drewberry. The process was very quick and straightforward. They called me and explained how this type of insurance works, and then went through series of questions about my circumstances to try and find the right cover for me. They came back to me the next day with several suitable options and emailed all the relevant information clearly laid out. Michael Barrow, the advisor I spoke to, was happy to explain things in detail and answer any questions I had. I would definitely recommend Drewberry as they took all the hassle out of a confusing search.