I am looking to take out Private Medical Insurance and I was wondering if this would cover me on holidays abroad?
- Robert Harvey
- Head of Protection Advice
It is important to recognise that the cover will vary depending 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.