How can The Insurance Surgery help me to find the right private medical insurance?
At The Insurance Surgery, we understand that finding the right private medical insurance can be a challenge. That’s why we don’t give online quotes. Instead, we have a friendly phone chat with you to find the best policy for your needs and budget.
When you contact us, we’ll do our best to find out more about you and your health insurance requirements. We’ll ask you questions like:
- What type of cover do you want?
- How much can you afford to pay for your premiums and excess fees?
- Do you have any pre-existing conditions or health risks?
- Do you already have any sick pay or health insurance benefits from your employer?
Then we’ll search our network of trusted insurance providers to find the most suitable policy for you. We often have access to exclusive deals that aren’t available to the general public.
We’ll provide you with a free, no-obligation quote that reflects the best value for your money. You can rest assured that our price promise means that you won’t find a cheaper quote anywhere else. If you’re happy with the quote, we’ll help you get your policy started as soon as possible. And we’ll continue to support you, answering your questions along the way.
How much does private medical insurance cost in the UK?
There are many different variations of private medical history and your age and general health and wellbeing may affect the price of your monthly premiums.
We can’t offer an instant online price because we see every single person as an individual. A plan that may be right for one person, may not be right for another.
But we can give you some hypothetical scenarios of how much a private medical plan may cost in the UK.
Let’s look at two examples of customers who want to buy private medical insurance cover:
Private Medical Insurance Example Cost #1
Susan is 36 years old. She is a self-employed graphic designer. She has no pre-existing conditions or health risks. She wants private medical insurance that includes in-patient and out-patient treatment, alternative therapies, mental health treatment, and cancer cover.
Susan’s monthly premium is £52.50 and her excess fee is £250
Private Medical Insurance Example Cost #2
Doug is 50 years old. He is an accountant. He wants a basic health insurance policy that will cover him for major illnesses. He has high blood pressure and high cholesterol. He wants to keep his premium and excess as low as possible.
Doug’s monthly premium is £70.49 and his excess fee is £0
With our help and support, we promise that you won’t find a cheaper private health insurance plan anywhere else. That’s because our price promise guarantee is our promise to you that we will always price match any like-for-like quote. So, you can feel confident that you’re getting the best available price for your insurance needs.
Yes, private medical insurance can offer support for mental health conditions, depending on the provider and the policy you choose. PMI can help you access private mental health treatment for acute conditions, such as surgery, hospital stays, tests and consultations.
Many health insurance providers are giving mental health support the same care and attention as physical health. They understand that it’s just as important to take care of our minds, as it is to take care of our bodies.
However, PMI may not cover chronic or pre-existing conditions. If there are any issues with the policy, we will always talk to you about potential exclusions and how these may alter your level of cover.
Can you add your family onto a private medical insurance plan?
Yes, you can add your family onto a private medical insurance plan, but conditions may vary depending on the insurance provider. A policy that insures your whole family will generally be less expensive than taking out a policy for each person.
If you want to add your family onto a private medical insurance plan, speak to one of our advisors to find the best deal for your needs and budget.
How does private medical insurance help if you’re self-employed?
If you’re self-employed, you can’t rely on work benefits like sick pay or employee health insurance. If you develop an illness that stops you from working, you may have to rely on your savings to support your family.
Here’s how private medical insurance can help if you’re self-employed:
- It can offer faster access to private healthcare, which can reduce the time you spend away from work due to illness.
- It can provide more choice and flexibility over who treats you, where, and when, which can suit your busy schedule as a self-employed person.
- It can cover the cost of treatments and services that may not be available on the NHS.
- It may be tax deductible, if you can prove that it’s a business expense that helps you get back to work as soon as possible.
- It may also offer additional benefits such as mental health support and dental cover.
Private medical insurance can be a valuable investment for self-employed people who want to protect their health and income.
