How To Use Your Private Medical Insurance

You will need a referral from your GP or one of our private GPs. Tell them you have private medical insurance and wish to see one of our Consultants. We are an independent private hospital with direct settlement processes with all of the UK’s medical insurance companies.

There are two main types of private – fully underwritten or moratorium policies. Again, a comprehensive policy is more likely to cover these areas. Most policies cover the costs of inpatient treatment , including tests and surgery. No, you shouldn’t need to have a medical to get health insurance. You’ll normally just have to fill out a medical history form, and your provider will do the rest.

This means you end your previous cover and start a brand new policy. If you start a new policy, any medical conditions you’ve had in the past 5 years will be excluded until you’ve spent 2 years free of symptoms, treatment, medication or advice for that condition. This protects you with cover for things like operations that you need to go into hospital for, or other treatment you receive while you’re there.

After your first child, any additional children can be added to your private health insurance policy at no extra cost. Because you pay for health cover, you won’t need to worry about the costs of private care at the time of treatment. Your insurance provider will liaise directly with our dedicated team to sort out everything to do with prices of treatment, and you can focus on getting better. Once you have a referral, you should be able to use your private health insurance to pay for treatment at any of our private hospitals, with any of our consultants. Lots of people have cover through their work, in which case your employer will deal with the insurance provider. You might pay a fee each month for the policy, but this will likely come out of your salary before you are paid.

You can make a claim quickly online using MyAviva or over the phone. We’ll just need to know your symptoms, when they started, and what you’ve been referred for. If we approve your claim, you’ll get the private treatment you need. It’s available if you’re a resident of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man, at home or abroad. Terms and conditions and the privacy policy can be viewed in the Aviva Digital GP app before you sign up, and mobile data charges may apply.

We’ll let you know how to pay your excess when we send you a statement following a consultation or treatment. The Defaqto and Moneyfacts 5 Star Rating is based on an assessment of the overall product, including the optional components. Where not all of the options are taken, this might affect the rating of the product. If you have full or partial diagnosis cover, you can be diagnosed and treated privately.

Your policy will come with a full document, together with a key features summary. This will make it clear what’s covered, what isn’t, and the financial limits for any claim. If you’re not happy when you first buy the policy, you can usually cancel it within 14 days. Generally speaking, a new policy will not cover you for problems that you have now or have had in the past. You’ll find everything you need to know in our guide to private healthcare. Going private for medical treatment gives you extra choice, but also potentially opens up additional confusion when deciding where to go and working out how much procedures will cost.

All health plans offerunlimited 24/7online GP appointmentsand mental health support. Plus fastmoney backtowards face-to-face health appointments and more. If you are looking to cover between 2 and 99 employees, our small business health insurance plan is flexible, holistic and digital. Our experienced client management team will support the smooth running of your employee health insurance plan with clear reporting and analysis of claims trends. For most patients, treatment costs are based on agreements with your insurer and payment will be made direct by your insurance company. Your guide to using private healthcare and expert insights on conditions, treatments and healthy living.

Pre-existing conditions, and related ailments are often excluded from your policy because is designed to treat new conditions that occur after your cover has started. An excess is the amount you’ll have to pay towards your treatment when you make a claim on your health insurance policy. Having an excess reduces the cost of your cover and you can choose different excesses for each member covered. We believe in going above and beyond and are committed to finding the best health insurance for our customers with compassion and kindness. Our certified agents have many years of industry expertise and are available to provide support and guidance around the clock. At Healthplan, our objective is to find the finest medical insurance policy at the best price in order to deliver our customers unparalleled comfort.

As a specialist health insurance broker, we work with 5-star Defaqto rated insurers who represent 90% of the UK Health Insurance market. Healthplan is the UK’s independent individual health insurance specialist. Healthplan is a trading name of Compare Republic Limited , authorised and regulated by the FCA . Registered office is Alpha House, Regis Road, London, NW5 3EW.