Private Medical Insurance Quotes

Plans range from basic to comprehensive. More comprehensive plans provide a greater level of cover for outpatient consultations, treatments, tests and scans (where a hospital bed is not needed). All policies cover these forms of healthcare as an inpatient (where as bed is required), even the most basic plans.

Comprehensive plans also provide cover for more additional benefits, such as osteopathy, homeopathy, oral surgery, home nursing and private ambulance services. Naturally, the more comprehensive the plan chosen the higher the health insurance quote returned.

Worldwide health insurance is ideally suited to international businessmen or businesswomen who need to travel abroad regularly or have to spend long periods of time abroad. It is also useful to any other individual who travels abroad on a regular basis or for prolonged periods of time.

With this form of cover it is possible to gain medical treatment in a large number of countries across the globe (within policy limits). With the cost of healthcare varying from country to country and the increased risk associated with overseas travel, health insurance quotes with worldwide cover attract higher premiums, especially if the United States is added to the list of covered countries.

Including London or premier hospitals will result in higher medical insurance quotes as the hospital list will include top London hospitals, especially if the premier list is chosen. It should be noted that a national list will include London hospitals just with a reduced number of eligible facilities.

Including an excess can reduce the premiums quoted by 2% to 35%, depending on the level of your chosen excess. For example, an excess of £250 would reduce monthly premiums by approximately 10%. It is important to note that should you require treatment the excess would only need to be paid once per policy year.

Including the six week option could reduce your affordable health insurance quotes by around 20%. With this option you would be required to undergo inpatient treatment on the NHS if the waiting list is less than 6 weeks long.

It should be noted that with most plans eligible outpatient treatment is not subject to the 6 week wait.

It is possible to gain affordable health insurance quotes that include members of your family, whether that is your partner, children or both. The premium addition to cover children is significantly lower than that to cover adults.

Most policies are underwritten on what is called a 'moratorium' basis, which means that there is no need for a medical or to declare your medical history but the plan would exclude any conditions you have suffered in the previous five years. After a two year period without treatment these conditions will usually be covered.

There is also the option to undergo full medical underwriting. Given that you will have to disclose your medical history to the insurer with this option the health insurance rates quoted will usually be reduced. If you have a medical condition you will also get a clear answer as to whether it will be covered.