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Finding the right private health insurance policy can be something of a difficult task. With such a vast amount of different types of policies available on the market, it can be hard to find exactly what you need to take care of the things that matter most to you. Despite this, private health insurance is an amazing thing to have. Having the right private health insurance policy by your side will give you true peace of mind when it comes to your health and that of your family members.

Getting to know how private health insurance works in your favour is essential to understanding its many benefits. Simply put, private health insurance covers the costs of private healthcare from diagnosis through to treatment. These policies are usually paid in monthly instalments that will cover all or some of the cost of treatment for conditions that arise after the policy has been taken out. Let’s take a further look at why private health insurance policies are proving so popular.

Types of cover

The type of cover that your policy will provide you with depends on several factors.

Private health insurance can take on many forms with different levels of coverage and treatment, depending on what it is that you’re looking for. Most policies cover areas such as consultations, medical treatment, scans, surgical procedures, cancer treatment including some drugs not covered by the NHS.

One typical feature of private health insurance that determines the type of cover you have is the expense of it. The higher the level of cover, the more your policy is likely to cost. All types of cover come with a cost, so it’s a case of finding the policy that suits you both medically and financially. Most policies can be matched to suit your individual health needs to make sure that you have the most effective cover for your budget. What’s more, there is a diverse range of options that can be built onto your policy whilst keeping it affordable. From mental health cover to comprehensive cancer cover, with the right expertise and guidance, you can choose the policy that suits you.

Normally, private health insurance policies will cover you for in-patient and day care treatment. You can choose out-patient either full cover or capped to cover such things as consultations and diagnostics. With more comprehensive policies they can include such cover as mental health, physiotherapy and complimentary therapies.

Alongside your personal budget, there are plenty of other considerations that can also determine the type of private health insurance you opt for. It is important that you seek out professional advice from an experienced broker to explain how you stand in relation to pre-existing conditions and illnesses. It’s important to remember that private health insurance policies generally won’t include cover for any pre-existing medical conditions that you might have before taking out a policy, usually in the preceding 5 years, including any ongoing, long-term or recurring conditions. However, if you already have cover in place, then with the right advice, it is possible to change insurers ensuring continuous cover.

The benefits of private health insurance

By taking out a private health insurance policy, you are opening yours and your family’s world up to a whole wealth of valuable health benefits. First and foremost, private health insurance gives you speedy access to both diagnosis and treatment in your time of need. A private health insurance policy will make sure that you get everything from a private room to a speedy specialist consultation to make sure that you get the best treatment available.

Thinking beyond its most apparent benefits, there are other added advantages that a private health insurance policy can provide. Many insurers will allow you to build up a no claims discount where you will be able to see a reduced premium if you don’t make any claims on your policy. Many health insurance providers also offer out incentives for choosing their policy; everything from shopping vouchers to gym and health club discounts are regularly given to clients who take out policies with certain insurance companies.

Private health insurance is a great way of knowing that the things most important to you are protected, both now and for the years to come. At Protectus Healthcare, we’re here to navigate through the labyrinth of policies available to make sure that you and your loved ones are provided with a cost-effective plan suited to your specific needs. Get in touch or go online to see how we can find you the private health insurance policy that will perfectly match your individual requirements.