Health Insurance: Essential Facts that You Need to Know

Health Insurance: Essential Facts that You Need to Know - image


One of the most important advantages of living within the United Kingdom is that all individuals are protected thanks to the presence of the NHS when it comes to their health. Having said this, it is often wise to consider private policies. These packages tend to be more thorough and they are able to address other concerns such as hospital waiting times as well as the choice of a private physician. While there are instances when an employer might be able to provide such packages, you could still be thinking about purchasing a personal policy based around your needs. What types of conditions are covered within a typical health insurance plan? Are there any loopholes to take into account? What factors will you need to consider before taking a final decision? Let us take a look at each of thee questions in a bit more detail.


What Does Health Insurance Cover?

This question is rather broad in spectrum although the majority of providers tend to provide similar clauses to the policy holder. Some amenities which are often included within standard packages can be:

  • Emergency visits to the dentist
  • The ability to choose from a list of approved medical practitioners
  • The coverage of bills associated with lengthy hospital stays
  • The possibility to include another individual (such as a son or wife) within this policy
  • Standard and/or essential medical procedures


One of the best ways to determine your levels of coverage is to carefully read through the terms and conditions; specifically any clauses which might exempt specific conditions. This brings us to our next main point.


What Might Not be Covered?

Most health insurance plans have their limitations. As the expression goes, you get what you pay for. Still, there are some circumstances that might actually cause you to be denied by a provider. Those who have been diagnosed with a terminal illness or a chronically debilitating condition are two examples. Also, there can be times when smokers are not covered by a certain policy (they have a higher risk of developing an illness over time).

The second main category involves elective procedures (such as obtaining veneers for your teeth or have cosmetic surgery performed). While these can often be judged on a case-by-case basis, most policy holders will not be covered.


What do You Need to Take Into Account?

Of course, always be sure to take a look at the cost of the premiums as well as the associated down payment. Will these rates drop over time if you do not file a claim? Are you required to pay any type of excess coverage and if so, how much and what does it include? Are you provided with a live representative 24 hours a day if you have a question or if a claim needs to be filed?


Finding out the answers to these questions will help to guarantee that you make the most informed decision as possible.