What is individual health insurance?
It's private medical insurance just for you. It's designed to help cover the cost of private health care by paying a sum on a monthly basis so that you can have access to high quality care when you need it most.
Whilst each plan will have its own perks and benefits, there are a few which are typical across lots of policies and could cover you for things such as;
- Gaining access to treatments and medication that aren't available on the NHS
- The choice of hospital and consultant
- Avoiding NHS waiting lists
- Having your own private, clean room should you need to stay in a hospital
Remember to thoroughly check your policy documents to check exactly what you are and aren't covered for.
No one likes to think about getting ill, but getting quality & timely care in your hour of need could make all the difference. Having individual health cover in place could help to give you the peace of mind when you need it. Compare policies for you or your family and options with Confused.com.
Frequently asked questions
Here's a quick Q&A on some of the typical frequently asked questions around health insurance;
Could I be covered for cancer treatment?
Yes, many policies will offer cover for cancer treatment but they may be capped at a financial limit depending on the policy you pick. Generally the more comprehensive policies offer a greater level of care.
How do I decide which health insurance policy is right for me?
Apart from one of the biggest factors being the price and affordability, there are other factors to consider when deciding on what the right policy is, things like if you want cover for certain illnesses, complimentary therapies, outpatient treatment and more. By weighing up what's important, you'll hopefully be able to pick the policy that meets your needs the best.
Will I be covered for emergency treatment?
In short, no. If you fall ill and need urgent care, attend your nearest Accident & Emergency as you would usually. After being stabalised, your policy could cover your continued treatment on a private ward or hospital.
Will my premiums increase as I get older?
They could do yes. As you get older, you're more likely to need to claim on your policy and become higher risk, so the premium could increase in line with that. Health insurance policies are renewed annually, so you're not committed to it longer term as you can be with other types of insurance.