Individual Health Insurance

Although there are a huge range of options and plans available through our experience we have found most individuals fit into one of just a handful of categories and as such this site has been designed with this in mind.

Other than the reason for the cover, budget can often dictate the appropriate type of health insurance. Low cost plans tend cover inpatient treatment in full with limited if any outpatient treatment. Thus this treatment is designed to covermore serious procedures which require a stay in hospital.

Outpatient treatment includes the likes of specialist consultations and diagnostic tests, it enables you to get diagnosed and treated quickly ensuring you are back on your feet as soon as possible.

If you are looking for a greater level of cover than a basic plan can provide comprehensive health cover will in most cases cover outpatient treatment in full in addition to the inpatient treatment covered on a basic plan.

Outpatient treatment includes the likes of specialist consultations and diagnostic tests, it enables you to get diagnosed and treated quickly ensuring you are back on your feet as soon as possible.

Then we get to who you would like to cover, health cover can be provided for a single person, a whole family or even a whole company. Individual health plans simply cover the person in question, all the plan limits are in respect of that individual.

With age comes responsibility and for many a family and all it has to offer. A family health plan can provide you with the peace of mind ensuring your partner and your children can also receive treatment when they need it most.

There are a number of additional benefits which can be bolted on to family health cover which includes dental & optical benefits for your everyday healthcare costs.

Although self employment brings benefits such as being your own boss it also brings added pressures including the lack of a safety net should something happen.

It is important to recognise that a self employed health plan is designed to provide fast diagnosis and treatment so you can return to earning an income as soon as possible. It does not provide any sort of protection against your loss of income.

Business travellers and globe trotters like to know should they need treatment thay can receive it anywhere in the world. Plans tend to be set-up including or excluding North America due to the higher than average medical costs. These policies offer some of the most comprehensive cover available in the health insurance market.

When considering personal health insurance it is important to recognise that there are a number of personal factors which will affect the price of your health insurance quotes.

As you can probably guess, given a policy is essentially protecting our health the plans our priced on this basis.

As we age so we start creaking, we tend to have more aches and pains and require more treatment. Your individual health cover premiums will take this in to account, so as our age increases so do our medical insurance premiums.

Smoking presents a number of health hazards and for those of you who have not been able to kick the habit you can expect inflated health insurance premiums to take account of this.

We all know how important it is to regularly exercise and keep our body fit an healthy, many of the top insurers are now rewarding health living with discounted premiums with points scoring systems depending on how active your lifestyle is.

The single biggest influencer on your health cover premiums is the level of outpatient cover. This includes diagnostic tests and specialist consultations.

The greater the level of outpatient cover you require the higher your premiums.

It is essentially the amount you are willing to pay towards a claim, an excess can range from as little as £50 up to £1,000. The higher the excess the lower your monthly premiums. For a £100 excess you can expect a 5% discount on your premiums.

Added extras include alternative medicines should you suffer an injury such as whiplash or a sports injury. Your GP may refer you to an osteopath, acupuncturist, physiotherapist or a chiropractor and the treatment would be covered on your medical plan.

Ensure you are not paying for hospitals you will never use. As London Hospitals tend to be more expensive insurers often offer an option to remove London Hospitals from your list if not appropriate, thus saving on your premiums.

If you are looking for individual health cover and would like more information, some advice or health insurance quotes comparing the leading UK insurers then please do not hesitate to get in touch. We are here to help, our aim is simply to make personal insurance simple and affordable.