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Each insurer will define an acute condition slightly differently, but broadly speaking it means an illness which can be cured through medical intervention.
A chronic condition is defined as one which cannot be cured and will probably require management, as opposed to treatment. Two examples are diabetes and asthma, both of which would be excluded from a policy.
Private health insurance gives you access to the newest cancer treatments, procedures and drugs, many of which aren’t currently available on the NHS.
First class service from start to finish, my advisor was extremely knowledgeable.
Aviva is the largest insurer in the UK and their private medical insurance product is called Healthier Solutions. This is a fully customisable product which can be tailored to your budget and requirements.
Axa PPP Healthcare was founded in 1940 by a group of hospitals and doctors, specifically for people with average incomes. They have a large hospital directory and access to more than 33,000 practitioners and consultants in their network.
Bupa provides health insurance to around 2.2 million people in the UK and is one of the largest providers we have. A household name with an excellent reputation, it’s no wonder so many people choose them each year.
The Exeter was founded in 1927 and is a mutual Friendly Society with over 60,000 members. The Exeter’s health insurance product, The Exeter Health+ includes mental health cover as standard.
Formerly Pruhealth, Vitality has around 1 million customers in the UK and is widely seen as an innovative insurer, providing incentives and rewards for healthier living.
Freedom Health Insurance provides policies for all levels of cover, with a focus on not stretching your budget. Start with their Comprehensive Standard Policy and then add options.
A pre-existing condition in terms of healthcare in the UK is one which started before a person’s health insurance comes into effect. Depending on your policy, pre-existing conditions may or may not be covered, or only covered if they occurred before a set period of time, i.e. 5 years.
Health insurance in the UK should be considered a luxury purchase. It isn’t essential as we all have access to the NHS, which is free at point of use. In our opinion, yes, health insurance is worth it as it gives you a number of benefits above and beyond that of the NHS; these include:
There are a number of ways you could reduce the cost of your private medical insurance. These include:
Yes, with most insurers you can cancel the policy at anytime although you will likely need to pay a cancellation charge. It’s always best to speak to us before cancelling though as we may be able to help reduce the cost at renewal time.
Yes, you can get private medical insurance with a pre-existing condition, although that condition will likely be excluded from your policy. If you choose moratorium underwriting, which is the most commonly used in the UK, pre-existing conditions which occurred in the last 5 years will automatically excluded, but if you don’t receive treatment for them for 2 years, they will become covered on the policy.
The choice of underwriting is especially important where there have been pre-existing conditions, so it is always best to speak to us and get expert advice.