Personal Health Insurance

Complete peace of mind can be assured when personal health insurance plans are used to supplement NHS treatment. Surgeries and hospitals across the UK are under mounting pressure as the queues for appointments and important surgical procedures extend, but private health insurance offers a practical and affordable solution that has a number of notable benefits.

Individual health insurance gives patients the option of faster response times at private treatment centres or in private wards at NHS hospitals. In addition, policyholders have the rare opportunity to choose where treatment takes place. Coverage can be implemented for any curable short-term illnesses that have been diagnosed after the validation date of a personal health insurance policy.

Consumers have the choice of taking out individual health insurance or group plans that provide protection for the entire family. Protection can be purchased from land-based insurance companies or through brokers, but many consumers find that the most affordable personal health insurance plans can be found online through price comparison websites. These increasingly popular resources allow different private health insurance policies to be reviewed on a side-by-side basis, and this gives consumers the chance to analyse different levels of coverage, the benefits of each individual policy and varying premium costs.

As with any other type of coverage, personal health insurance has limitations that are highlighted in the terms and conditions of each individual policy. Consumers should always remember that protection is designed to complement NHS treatment, not to replace it. Pre-existing illnesses and conditions will not be covered as part of a personal health insurance plan, although some carriers will provide the authorisation to make exceptions in certain cases.

The United Kingdom boasts a number of notable individual health insurance companies who are able to provide extensive coverage for their customers. PruHealth are widely recognised as one of the UK market leaders and have an excellent record of accomplishment for rewarding policyholders with discounts for periods of good health. Their Vitality program also offers a number of excellent incentives for maintaining a healthy lifestyle, and consumers can enjoy free spa breaks, gym memberships and cinema tickets if they avoid making claims on their private health insurance policies.

Bupa personal health insurance is widely acclaimed throughout the United Kingdom and unlike many carriers, their policies also extend to the treatment of cancer. Bupa offer a wide range of individual health insurance plans and new customers taking out a policy before the end of May 2011 can enjoy two free months of additional annual coverage. Westfield Health currently service more than 350,000 personal health insurance plans in the United Kingdom and were voted the “Best Healthcare Cash Plan Provider” in the 2010 Health Insurance Magazine Awards for the fifth time in seven years.

Compare different Health Insurance policies

The health insurance market in this country is huge. Choosing the right health insurance policy for your needs can be quite confusing and can cost you a lot of time.

If you are looking for individual health insurance, then let us do the hard work for you – simply complete the form and we will immediately compare the UK health insurance market to find the best quote suitable for your own personal needs.

Health Quotes Online is an independent health insurance website created to help users find the best possible health cover quote for their needs. The brokers we work with search and compare health insurance policies from hundreds of providers to find the best deals available for you. Our service is free to use and you are under no obligation to accept the quotes you receive. Health Quotes Online is a trading name of Red Wizard Ltd, a company registered in England no. 7426749. Registered Office: 3 & 4 Park Court, Escrick, York, YO19 6ED