Will my private medical insurance cover me abroad whilst on holiday?

I am looking to take out private medical insurance and I was wondering if this would cover me on holidays abroad?

Question asked by Marco Gamba
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Answered by Robert Harvey

It is important to recognise that the cover will vary dependant on your insurer and the type of plan you opted for. Most UK personal health insurance policies have little if any overseas cover, those that do are likely to limit the cover to emergency treatment for a set number of days per policy year.

Short trips and business cover…

For short trips abroad on holiday or for business many often turn to a travel insurance policy however if you are spending considerable amounts of time abroad and are looking to ensure you are covered for any medical treatment then you may want to consider an international health insurance plan.

International health insurance for truly global cover

International health insurance tends to be provide a much greater level of cover as not all countries have a public health service like the NHS. In addition to the cover you can expect on a UK only private medical insurance plan, international plans can often cover emergency treatment, chronic conditions and routine dental cover to name a few, in many cases removing the need to use any state funded services.

Naturally, given the additional cover provided the premiums for the international cover can be considerably more. Given the complexities involved in choosing the most appropriate cover it is often worth discussing the options with a health insurance specialist to ensure you are aware of what is and what is not covered on both the UK only and the international cover to ensure you are able to make an informed decision when choosing a plan

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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.
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