We can provide you with the best possible advice when it comes to choosing a private health insurance plan and ways of keeping the costs of medical cover down. When you contact one of our expert advisers, they will help you find a health protection plan that strikes the perfect balance between cost and the level of health cover to meet both your budget and medical requirements. Although the choice of private medical policies in the health insurance market can seem overwhelming, with our help you can quickly gain access to the benefits of medical cover. Completing the form below is an easy way to start the process, as one of our experienced team will put together a selection of the most suitable protection plans for you.
What Does a Financial Adviser Do?
PRIVATE HEALTH INSURANCE UK MARKET
While the cost of private health insurance UK is increasing to keep pace with growing healthcare costs, insuring your family’s health for future is just as important to you. You can however keep the costs of private medical cover low by taking a number of factors into consideration when choosing your policy. Firstly, you may just want to select basic health protection that covers inpatient and day case treatment, rather than a more comprehensive policy. However, if you want a policy that covers particular treatments or includes certain conditions, you may be left disappointed if you don’t check the small print. Choosing to pay an excess on any claims you make can also reduce your monthly insurance premiums. Taking good care of yourself and following a healthy lifestyle can additionally reduce the cost of health insurance payments. Once you have your policy in place, it is also worth bearing in mind that the fewer claims you make, the less you will pay for subsequent premiums, so for small investigations and procedures it may be more cost-effective to pick up the bill yourself.
Pru private health insurance is just one provider of medical cover and it pays to conduct a thorough comparison of all the options that meet your needs. As you often don’t have the time to do so, we can carry out a medical insurance UK comparison on your behalf, and are always happy to answer you queries about the suitability of a given policy for you.
PRIVATE MEDICAL INSURANCE PLANS
Although there are tricks to keep the cost of a private health plan down, there are some factors that you can’t escape. For instance, the older you are, the more you will pay for your monthly medical insurance premiums, which is another reason why your payments go up over time. If you have a history of illness, this will also affect the cost of your health coverage, but you can control this to an extent by opting for auto-exclusion medical insurance. This automatically excludes any conditions that you have had symptoms of or received treatment for over a given period. If after two years though you are symptom and treatment free, your insurer may offer cover for these conditions too. With a clean bill of health, declaring your full medical history is more beneficial, as this opens up greater cover for you. However, if you are unsure whether you are eligible for a particular private health insurance UK policy given your current or past health, we can advise you on this without delay, making sure that you take out the right health protection plan for your circumstances.