As the UK’s leading private health insurance intermediary, we appreciate that any policy taken out is a commitment, and that’s why we will always be happy to answer any questions you may have whilst searching the market. Below are just some of the questions we are commonly asked:
1. I’m fit & healthy so I won’t need private health care cover
There’s no doubt that leading an active, healthy lifestyle can reduce the risk of contracting certain diseases. However, without the ability to foresee the future it’s impossible to know if you’ll fall victim to an injury, accident or medical emergency. After all, private health care cover is something we hope you don’t have to use but rather serves as peace of mind that if needed you will have the highest level of care available to you. With a personal consultant by your side from diagnosis through to recovery, private health insurance ensures that you will have the best chance of a quick and strong recovery that will get you back to your fit and healthy lifestyle.
2. The process of making a claim on my private health insurance policy is too drawn out
It’s important to know how private health care can benefit you so we’ve outlined what you can expect when you take out a health care plan through The Health Insurance Specialists. Firstly, private health care is not a replacement for emergency treatment, so if you’re feeling poorly or injured visit your GP who will, if needed refer you to a specialist. Once referred you start what’s called outpatient diagnosis – where you avoid all NHS waiting lists and swiftly meet with your personal, private consultant who will arrange the scans and investigations needed to determine your diagnosis and treatment plan. If you need an operation, you’ll be fast tracked to a leading hospital of your choice where you begin the in-patient treatment stage. Upon arrival, you’ll be greeted by an outstanding team of surgeons and nurses, a private, hotel standard room and a delicious meal plan tailored to your recovery all within the safety of a hospital that has a pristine record for cleanliness - reducing the risk of super bugs. This is all followed up with a first class, post-operative service with your personal consultant who will continue to monitor your recovery until you are fully back up and running.
3. Choosing the right private health insurance policy is just too confusing
Looking at comparison websites can be overwhelming, and that’s why we like to go away and sort the wheat from the chaff before presenting you with select health care plans that will provide you with a cost-effective, high grade cover to stand the test of time. Rest assured that we’ll only be recommending the insurers and policies that we have total trust in. This means no hidden exclusions, only the fastest access to pioneering treatment at a leading facility of your choice and the best level of cover at an unbeaten price. Our team of specialists are trained to guide you through each aspect of your policy so that you have a clear plan of how your policy will work for you.
4. Pre-existing conditions will put the price up / won’t be covered
Whilst they won’t always be covered immediately, there are options with most policies that could allow pre-existing conditions to be covered in the future. Medical history varies person to person which is why it is always best to talk to a consultant who will tailor the policy specific to your needs.
5. It’s detrimental to change insurers at my time of renewal
We know more than anyone that a lot can change in a year. That’s why each year, ahead of your renewal we will continue to monitor your policy and check that you still have the best level of cover for the most affordable policy. Did we mention we have great relationships with the insurers? This comes in handy if we think your policy could be lowered in price or bettered for you – something that we continue to do, free of charge for all our client’s year on year. All we would need to know is how your medical history may have changed in the year – then let the negotiations commence!
Keen to hear more? We’re a friendly team and would be happy to hear from you – simply call Freephone 0808 10 18 999.
