Are there different levels of cover?

Yes – Basic, Standard and Comprehensive cover. Basic Health Insurance policies usually cover the bill of treatments and any related inpatient hospital costs. Standard cover tends to cover both inpatient and outpatient care and support. Comprehensive policies are the highest level of cover you can obtain, including both inpatient and outpatient care as well as cover for other treatments such as physiotherapy and mental health care.

Will I receive the same cancer drugs as I would on the NHS?

The treatment given to you will depend on the cancer you are diagnosed with and what your specialist recommends. Private Health Insurance can give you access to drugs that have proven effective but are not yet available on the NHS.

Can I change my mind?

All insurers have a “cooling off period” usually between 14 and 30 days, allowing you to cancel your policy and any monies debited will be fully refunded. Should you choose to cancel outside of the ‘cooling off period’, you will need to notify us and we will be able to assist you from there.

Am I covered on my holidays abroad?

Depending on the plan you opt for, there may be some level of cover if you require emergency treatment abroad. Several of our policies allow you to add holiday medical insurance in addition to travel insurance which will cover the cost of lost passports, luggage and holiday cancellations.

Do I need mental health cover?

The NHS reported 1 in 4 people suffer mental health problems every year. Private Medical Insurance is designed to give you peace of mind and help when you need it most. Some of our insurers offer Mental Health support lines and Digital GP’s giving you access to help with vastly reduced waiting times.