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Frequently Asked Questions

Most asked questions

As my broker do you charge for your work?2023-10-30T12:23:06+00:00

No: we explore every available option and offer free expert advice so you can change your health insurance provider with no trouble.

What is moratorium underwriting?2023-10-30T12:23:19+00:00

A moratorium underwriting is an agreement between an insurer and a policyholder where the terms of health insurance are determined: all pre-existing conditions from the last five years are excluded for a fixed period of time. After that, the existing health condition list gets reevaluated, and the insurance policy may change.

Can I switch health insurers without losing cover for known medical conditions?2023-10-30T12:23:26+00:00

Many people with pre-existing conditions assume they can’t change provider, and feel stuck when their premiums become unnecessarily unaffordable. This isn’t actually the case. Generally speaking, if you haven’t seen a medical professional other than a GP in the last 12 months, and you have no upcoming specialist appointments or hospital stays, you should be able to switch without exclusions. In fact, some insurers may cover you even if you have an outpatient visit planned or pending.

Can I get cover for my pre-existing conditions?2023-10-30T12:23:32+00:00

Private health insurance isn’t intended to cover pre-existing conditions, though some providers will in particular circumstances. Normally this is because the insurer doesn’t believe the issue will return. However, the majority of policies will limit when claims on pre-existing conditions can be made. Read more about this by clicking here.

Private Health Insurance

What else can be added to a private health insurance policy?2023-10-30T12:35:24+00:00

When taking out a private health insurance policy, you can choose a number of additional covers such as dental and optical cover, mental health cover, and travel cover. Appointments with physiotherapists can also be included, as can a six-week option which restricts access to private medical treatment if you can receive it through the NHS within six weeks of referral. We will talk you through all these extras when you contact us for private health insurance advice.

What are common mistakes when first taking out private health insurance?2023-10-30T12:34:41+00:00

Common mistakes include focusing on price at the expense of the cover, choosing unsuitable options, and trying to cover a pre-existing condition with immediate effect. Unfortunately, many people also fail to understand the claims process or check whether their provider offers access to their preferred locations and specialists. All these issues can be avoided with the correct advice, which is why we strongly encourage customers to get in touch before committing to a private health insurance policy.

Will private health insurance cover pre-existing conditions?2023-10-30T12:34:13+00:00

Private health insurance isn’t intended to cover pre-existing conditions, though some providers will in particular circumstances. Normally this is because the insurer doesn’t believe the issue will return. However, the majority of policies will limit when claims on pre-existing conditions can be made. Read more about this by clicking here.

How much is private health insurance?2023-10-30T12:33:45+00:00

Many factors determine the cost of your private health insurance policy, such as the amount of excess you choose. For this reason, it’s not possible to offer a blanket price. You can see an estimate by getting a free quote with us, and can also find more information in our guide to private health insurance costs.

Is private health insurance worth it?2023-10-30T12:32:39+00:00

Private health insurance is certainly worth it if you want control over when and where you receive medical treatment, something which has become very important to many people as NHS resources become increasingly stretched.
As well as shorter waiting times, you can also choose your own specialists and sometimes access treatment not available on the NHS. However, even if you do have private health insurance, you can still use NHS services if you’d like to.

What Can Be Covered by Private Health Insurance?2023-10-30T12:32:04+00:00

Core Cover
Core cover (also known as inpatient or day patient cover) is for medical treatment where you need a bed but are discharged the same day, or you require an overnight stay in hospital. Some people prefer to take out a ‘core cover only’ plan whereby they are eligible to receive a payout for the treatment itself, but not things like diagnostic tests or consultations. Private health insurance providers typically offer similar core cover options, though there may sometimes be small differences, such as the NHS cash benefit. This is when the provider pays you for having treatment in an NHS hospital.

Outpatient
This covers the cost of diagnostic tests and consultations where a hospital bed is not required. With private health insurance, you should be seen a lot quicker than you would on the NHS, which has an 18 week target for non-urgent cases. Also bear in mind that this is just a target and isn’t always met. Difference between inpatient and outpatient cover

Private GP Appointments
Many people now find it incredibly hard to get a GP appointment, which is why some private health insurers now offer face-to-face GP access within 24 hours. Video appointments are also becoming more common, so you don’t need to spare much time for a consultation.
Seeing a GP with private health insurance

Cancer Cover
Cancer cover gives you access to cutting-edge treatments that aren’t always available on the NHS. It’s advisable to combine this with outpatient cover to ensure you would receive a quick diagnosis when required. A number of private health insurance providers offer full cancer cover as standard, but you can add this to your policy if yours doesn’t. Cancer cover with private health insurance

Why use private health insurance?2023-10-30T12:31:28+00:00

Cover the cost of the private medical treatment or investigations you require for acute conditions

  • You can choose highly recommended consultants and hospitals
  • Avoid the NHS waiting lists
  • Eliminate concerns over limited NHS budgets for specialist drugs and treatments
  • Access private wards and rooms to recover in peace (in most cases)
What is Private Health Insurance?2023-10-30T12:30:19+00:00

Private health insurance covers the cost of private healthcare, enabling you to get fast access to medical treatment for acute conditions. Broken bones, heart attacks and strokes are all examples of acute conditions, which have rapid onset symptoms but can typically be resolved within six months. These are different from long-term, chronic conditions like asthma and diabetes which can rarely be cured. As the private healthcare sector runs independently of the NHS, this insurance means you will be diagnosed and treated much quicker in a location of your choice. Simply pay a monthly fee and know that you will be covered for any acute conditions that develop once you activate your policy.

Switching Health Insurance

Are there any discounts available when switching health insurance?2023-10-30T12:48:25+00:00

Our clients have saved between 10% and 60% by reviewing their health insurance and switching to more affordable options, with companies often providing a range of incentives to do so.
For example, Vitality Health offers a discount of up to 10% with their switch & save promotion, while other insurers may give you deals like two months free or a fixed price for a number of years. We’ll let you know exactly where you qualify for discounts.

Will I still be covered for pre-existing conditions if I switch health insurance?2023-10-30T12:55:34+00:00

Many people with pre-existing conditions assume they can’t change provider, and feel stuck when their premiums become unnecessarily unaffordable. This isn’t actually the case.
Generally speaking, if you haven’t seen a medical professional other than a GP in the last 12 months, and you have no upcoming specialist appointments or hospital stays, you should be able to switch without exclusions. In fact, some insurers may cover you even if you have an outpatient visit planned or pending.

Can I change health insurance companies mid-policy?2023-10-30T12:44:50+00:00

You don’t necessarily need to wait until your renewal date before you switch health insurance providers. If you are charged on a monthly basis, you’ll only have to pay to get out of your policy early if you’re with Vitality Health, which charges a £40 admin fee. It’s more difficult to switch mid-policy if you pay annually, but it’s certainly not impossible. Whatever your circumstances, we can give you free, professional advice.

Top Tips for Switching Your Health Insurance2023-10-30T12:46:59+00:00

Do:

  • Review your policy before renewal
  • Explore the whole market so no stone is left unturned
  • Establish what health cover is important to you
  • Seek help from recommended sources

Don’t

  • Exclude conditions without fully understanding the consequences
  • Start a new underwriting until you have received expert advice
  • Add downgrades (like a six-week option) if you’re unsure of the impact
  • Cancel a policy without speaking to a health insurance professional
How to Change Health Insurance Provider2023-10-30T12:39:52+00:00

Switching your health insurance provider is easy. Follow these steps to find out if changing yours is the right decision:

  1. Request a quote, and one of our advisors will return your call and discuss your specific requirements
  2. We go to market and look at prices and underwriting terms to identify the best long-term healthcare plan for you
  3. You receive quotes and an advice letter explaining our findings
  4. You decide whether to switch or stick with your current health insurance provider
  5. If you’re switching, we’ll help you secure the policy and offer ongoing support for the plan’s duration
  6. We’ll get in touch ahead of the renewal date, and go to market to see if it’s worth switching again
How Can Healthcare Clarity Help You Switch Health Insurance?2023-10-30T12:38:02+00:00

Healthcare Clarity is a private health insurance broker covering the whole market. This means we work with the UK’s largest companies like Bupa and AXA, as well as insurers with a smaller market share such as The Exeter. We explore every available option and offer free, expert advice so you can change your health insurance provider with no trouble.
We focus on not only finding competitive prices for our clients, but also ensuring they are getting the best advice and can make informed decisions about their medical insurance. However, we will only recommend a switch if it really is in your best interest.

Why Switch Your Private Health Insurance Provider?2023-10-30T12:38:17+00:00

Even if you already have private health insurance, there are many reasons why you should consider changing your provider:

By switching provider, you can:

  • Save money — our clients save 32% on health insurance on average
  • Get better service than you’re currently receiving
  • Improve the level of cover you can get for your money
  • Access incentives — many providers offer discounts for switching
  • Add additional covers you’re not currently being offered peace (in most cases)

Individual Health Insurance

What if I want to cover my loved ones too?2023-10-30T12:59:54+00:00

Rather than taking out separate individual health insurance plans, it’s most cost-effective to have one policy for multiple parties. For example, joint health insurance covers you and your partner, while a family plan would ensure your children receive private medical care too. We offer quotes and advice for these options so please get in touch to discuss your requirements.

What isn’t covered by individual health insurance?2023-10-30T12:59:29+00:00
  • Emergency treatment
  • Treatment required due to an act of war or terrorism
  • HIV/AIDS
  • Fertility treatment
  • Cosmetic surgery
  • Pregnancy and childbirth costs
  • Organ transplants
  • Treatment for alcoholism or substance abuse
How much does individual health insurance cost?2023-10-30T12:58:10+00:00

Individual health insurance policies vary hugely in terms of what they cover, and the cost also depends on factors such as your age, location, medical history and lifestyle. For these reasons, we can’t provide an exact figure without more information from you, which is why it’s crucial to get a quote from us. Then we can quickly compare providers and costs to help you secure the best deal for your budget.

What is the Best Health Insurance for Individuals?2023-10-30T12:57:35+00:00

Your health requirements are unique to you, which means your insurance should be too. It’s no good opting for a big-name provider or following a recommendation without checking the conditions and comparing with other companies. To really invest in your health, you need to ensure you’re getting the best policy for your money.

It’s our job to compare all of the options available here in the UK so you can choose the right one. We offer free expert advice every step of the way to give you all the information you need to select the most suitable health insurance plan.

What is Covered by Individual Health Insurance?2023-10-30T12:56:52+00:00

Individual health insurance covers acute conditions, which are short-term, curable ailments like broken bones, burns and cuts. It’s up to you how much coverage you take out, and these are some of the most common policy options:

  • Inpatient cover for treatment that requires a hospital bed or an overnight stay
  • Outpatient cover – for diagnostic tests and consultations – Learn more about the difference between inpatient and outpatient cover
  • Private GP appointments – for access to a GP within 24 hours: Seeing a GP with private health insurance
  • Cancer cover – for cutting-edge cancer treatment that isn’t available on the NHS Cancer cover with private health insurance

You might not know what coverage to prioritise at this stage, but that’s what we’re here for. We provide free professional advice to help you assess all possibilities and choose the best individual health insurance for your needs. Learn More About Private Medical Insurance.

What is Individual Health Insurance?2023-10-30T12:56:37+00:00

Individual health insurance gives you access to private medical care if you aren’t insured by your employer. This lets you swerve lengthy NHS waiting lists and receive quality healthcare in no time. You will also be able to choose the private facilities where you will be diagnosed and treated, and benefit from specialist treatments unavailable on the NHS. Although you can use NHS services if you wish, individual health insurance is ideal or those who want greater control over your medical care. Whether this is your first time arranging cover, or you want to upgrade your current plan, it’s crucial to compare different providers. That’s why we look at all the individual health insurance agents in the UK to let you see what your best option is.

Joint Health Insurance

Does private health insurance cover couples therapy?2023-10-30T13:05:54+00:00

Couples therapy is often not considered to be a medical requirement, and therefore providers typically do not cover it, though they may offer individual mental health cover instead.

How much does joint health insurance cost?2023-10-30T13:04:19+00:00

No two joint health insurance policies are the same. They vary in terms of what they cover, while factors like age, location, medical history and lifestyle also affect the price. We can’t give you an accurate cost without these details, so we suggest getting a free quote. Whatever you can afford to pay, we will find the best deals in line with your budget.

Can unmarried couples get health insurance?2023-10-30T13:03:42+00:00

You don’t necessarily need to be married to purchase joint health insurance, but you do need to live at the same address.

What is the Best Health Insurance for Individuals?2023-10-30T13:03:03+00:00

Different couples have different requirements, and the most suitable private health insurance will depend on a number of factors specific to you and your partner, which is why it’s so crucial to get professional advice and make sure you fully understand the policies you’re considering.
We’re here to offer free, impartial guidance at every stage and compare all UK insurance providers to find the best choice. With our help, you can make the right decisions when it comes to couples’ healthcare.

What is Covered by Joint Health Insurance?2023-10-30T13:02:25+00:00

Joint health insurance gets you access to consultations and treatment for acute conditions, which are short-term, curable ailments like broken bones, burns and various illnesses and injuries. You and your partner will need to decide what coverage you want, with the following options among those you’re most likely to see on potential policies:

– Inpatient cover for treatment that requires a hospital bed or an overnight stay
– Outpatient cover – for diagnostic tests and consultations – Learn more about the difference between inpatient and outpatient cover
– Private GP appointments – for access to a GP within 24 hours: Seeing a GP with private health insurance
– Cancer cover – for cutting-edge cancer treatment that isn’t available on the NHS Cancer cover with private health insurance

You might not know what coverage to prioritise at this stage, but that’s what we’re here for. We provide free professional advice to help you assess all possibilities and choose the best individual health insurance for your needs. Learn More About Private Medical Insurance

What is Joint Health Insurance?2023-10-30T13:00:58+00:00

Joint health insurance gives couples access to private medical care, which means you can both skip lengthy NHS waiting lists, choose private facilities for diagnosis and treatment, and receive specialist drugs unavailable on the NHS. Although you can still use NHS services, private care gives you and your partner more control over your treatment options.

If both you and your partner want private medical care, it’s more convenient and cost-effective to choose a joint plan rather than taking out two individual policies. However, it’s important to compare different providers to ensure you choose the best health insurance for your needs. We help you do this by examining all your options and weighing up what the best plan is for you.

Family Health Insurance

Are there child-only policies?2023-10-31T03:59:21+00:00

Yes, there are medical insurance companies that provide child-only plans. This means your child can have their own private health cover even if neither parent is on the policy.

What age can I cover my children up to?2023-10-30T13:10:50+00:00

Insurers usually cover children on a family health insurance plan until they are 18. However, sometimes they will continue to cover them while they remain in full-time education.

What isn’t covered by family health insurance?2023-10-30T13:09:18+00:00

Generally speaking, the following are excluded by most health insurance policies
• Emergency treatment
• Treatment required due to an act of war or terrorism
• HIV/AIDS
• Fertility treatment
• Cosmetic surgery
• Pregnancy and childbirth costs
• Organ transplants
• Treatment for alcoholism or substance abuse

How much is a family health insurance plan in the UK?2023-10-30T13:09:52+00:00

There is no fixed price for a family health insurance plan here in the UK as costs depend on various factors. These include the number of people on the policy, the level of cover, and the health and lifestyle of your family. You can see how much you’ll pay by getting a quote, and we can then work with you to secure the best cover for your budget.

What is the Best Health Insurance for Families?2023-10-30T13:07:59+00:00

The best family health insurance plan for one family may not be right for another. Every provider offers different levels of cover and customer service, and it’s our job to find the perfect policy for your family. We compare family health insurance from all UK companies, providing free expert advice along the way so you can make informed decisions in line with your family’s requirements.

What is Covered by Family Health Insurance?2023-10-30T13:07:21+00:00

Family health insurance provides treatment for acute conditions, which are short-term, curable ailments like broken bones or heart attacks. The amount of coverage you want for you and your family is up to you, but these are typically the most common options:

– Inpatient cover for treatment that requires a hospital bed or an overnight stay
– Outpatient cover – for diagnostic tests and consultations – Learn more about the difference between inpatient and outpatient cover
– Private GP appointments – for access to a GP within 24 hours: Seeing a GP with private health insurance
– Cancer cover – for cutting-edge cancer treatment that isn’t available on the NHS Cancer cover with private health insurance

Don’t worry if you’re not sure what cover you need just yet. Our qualified experts can offer advice on family health insurance and help find the best policy for you and your loved ones. Learn More About Private Medical Insurance

What is Family Health Insurance?2023-10-30T13:06:56+00:00

Family health insurance entitles you and your loved ones access to private medical care here in the UK.
You can still use all of the services the NHS provides, but your insurance means you take control over when and where you receive treatment and have access to private rooms and medications that aren’t available on the NHS. This means your family will always receive swift medical attention, giving you total peace of mind.

Most health insurance providers offer plans with the flexibility to add additional members as your family grows. All policies have different covers, terms and conditions, so it’s worth comparing quotes to make sure you’re getting the best deal. Even if you’re happy with your current provider, there’s always a chance that another could give you and your family far more value for money.

Child Health Insurance

Can I add my child to my own insurance plan?2023-10-31T04:05:23+00:00

If you want private healthcare for you and your children, it may be more affordable and convenient to take out a family insurance plan. Get in touch if this is something you are interested in.

Can I get health insurance for special needs children?2023-10-31T04:05:00+00:00

Yes, insurers do offer plans for special needs children. However, they may not always cover treatment for conditions linked to their disability, which is why it’s so important to check all of the terms and conditions and compare providers before committing.

How long is a child covered for under health insurance?2023-10-31T04:04:32+00:00

In general, a child is covered under health insurance until they are 18 years old. Some insurers will extend this for those in full-time education.

How much does child health insurance cost?2023-10-31T04:04:19+00:00

Child health insurance policies vary hugely in terms of what they cover, and can also be affected by factors including your location. For these reasons, it’s very hard to give an exact figure without having more specific details to hand. However, getting a quote and seeking advice from us means we can quickly compare prices and guarantee you the best deal for your budget.

What is the Best Health Insurance for Children?2023-10-31T04:03:29+00:00

Every child has different health needs, so don’t be swayed by a big-name insurance provider before you’ve checked all the conditions their policies cover. A smaller company you’ve never heard of could easily be the best option for your child’s needs.

It’s our job to compare all the possible policies available here in the UK and help you pick the right one. We offer free expert advice every step of the way to help you make sure you’re as well-informed as possible before selecting your child health insurance plan.

What is Covered by Child Health Insurance?2023-10-31T04:02:16+00:00

Child health insurance covers acute conditions, which are short-term, curable ailments like broken bones, burns, cuts and respiratory infections. You decide what your policy contains, and these are some of the most common options to choose from:

– Inpatient cover for treatment that requires a hospital bed or an overnight stay
– Outpatient cover – for diagnostic tests and consultations – Learn more about the difference between inpatient and outpatient cover
– Private GP appointments – for access to a GP within 24 hours: Seeing a GP with private health insurance
– Cancer cover – for cutting-edge cancer treatment that isn’t available on the NHS Cancer cover with private health insurance

It can be tricky to identify the best cover for your child, especially if this is the first time you’re taking out health insurance for them. Luckily, that’s what we’re here for. Our experts provide free professional advice to help you get the most suitable health plan. Learn More About Private Medical Insurance

What is Child Health Insurance?2023-10-31T04:02:10+00:00

As a parent, nothing is more important than your child’s health. It’s only natural that you’d want them to receive the best possible care in the quickest time if ever they needed it. And while this can’t always be guaranteed with the NHS, you will be able to control when and where they are diagnosed and treated by taking out a private medical care policy for them.
Of course, this doesn’t mean they can’t use NHS services, but it does give your child the option to access additional private facilities, shorter waiting times, and specialist treatments that are unavailable on the NHS. However, before you commit to a policy, it’s important to compare providers to see which ones offer the best cover for the best price. Your child’s current health plan may seem good, but a health insurance quote from us could reveal an even better alternative.

Over 50s Health Insurance

Why is it important to get advice for over 50s health insurance?2023-10-31T04:10:33+00:00

If you are over 50 and considering health insurance, seeking advice is imperative. For example, you may need help preparing for the long-term costs of medical cover, as well as guidance in the event that the price of your policy eventually increases. It’s also important to have someone help you review existing plans annually, just in case you can get a better rate. We’re here to provide all the critical advice you need, so don’t hesitate to get in touch.

I’m retiring and leaving a company health policy. Should I stick with the same provider?2023-10-31T04:10:07+00:00

If you are leaving a policy due to retirement, you should shop around when considering new cover. Once you exit a group plan, you’ll usually pay over the odds for an individual policy with the same provider. This is because they can find it harder to quantify the risk and will therefore increase the premium to cover the chances of them paying out. Getting a quote from us is the best way to find more affordable alternatives.

Can I get over 50s insurance for pre-existing conditions?2023-10-31T04:09:36+00:00

It’s generally inadvisable to take medical insurance out after a condition arises because it’s unlikely you’ll be covered if you’ve already received advice or treatment for it. However, providers commonly agree to cover pre-existing conditions after two years if you’ve received no medical advice or treatment and have had a policy in place during this time. Read more about covering pre-existing conditions.

How much does over 50s health insurance cost?2023-10-31T04:09:10+00:00

While many people believe insurance is expensive for the over 50s, this isn’t always the case. Over 50s health insurance is priced according to factors like your age, the cover you want, and your general health and lifestyle. Get a quote for an initial cost estimation, then we can work with you to find a policy within your price range.

What is the Best Health Insurance for Over 50s?2023-10-31T04:08:46+00:00

Comprehensive health insurance is highly beneficial as you get older when any medical issues could become more serious without prompt care. However, the best policy depends on the cover you’re looking for, and what you can afford.

We compare over 50s health plans from all UK insurance companies so you can see every option available. By giving you free expert advice along the way, you’ll have all the data you need to make an informed decision that best serves your requirements.

What is Covered by Over 50sHealth Insurance?2023-10-31T04:07:37+00:00

Over 50s health insurance gets you effective treatment for acute conditions. These are short-term, curable ailments such as strokes, heart attacks and broken bones. You can decide what you want to be covered for, but these are the most common options:

– Inpatient cover for treatment that requires a hospital bed or an overnight stay
– Outpatient cover – for diagnostic tests and consultations – Learn more about the difference between inpatient and outpatient cover
– Private GP appointments – for access to a GP within 24 hours: Seeing a GP with private health insurance
– Cancer cover – for cutting-edge cancer treatment that isn’t available on the NHS Cancer cover with private health insurance

You may not know what cover you need yet, especially if this is your first time taking out over 50s health insurance. To find out what is most suitable for you, get in touch for professional advice from our qualified experts. Learn More About Private Medical Insurance

What is Over 50s Health Insurance?2023-10-31T04:06:32+00:00

Growing older is a natural part of life, and as we age, we’re more likely to experience health issues. If you’re over 50, private medical care is the best way to quickly guarantee high-quality healthcare. This allows you to choose where you’re diagnosed and treated, grants you access to a private room and means you can receive drugs that aren’t available on the NHS.

Over 50s health insurance lets you avoid potentially lengthy NHS wait times, while still giving you the option to use its services if you desire. Whether you’re considering private medical care for the first time or looking to switch to a new provider, comparing companies and policies is the only way to ensure you’ll get the cover you need for the best price.

Company Health Insurance

What is the Best Health Insurance for Companies?2023-10-31T04:15:45+00:00

Every company is unique and will therefore have varying health insurance needs — for example, a small business may not benefit from the same plan as a large corporation. This is why it’s so important to thoroughly compare policies before committing to one.

We examine all plans available to businesses here in the UK, and advise you on how different providers would benefit your company. With our knowledge and experience, you can be confident that your organisation is getting the best private health insurance for your budget.

What is Covered by Company Health Insurance?2023-10-31T04:13:48+00:00

Company health insurance ensures your employees will receive private healthcare for acute conditions, such as broken bones, heart attacks and any other short-term, curable ailments. Most business policies will include at least one of the following:

– Inpatient cover for treatment that requires a hospital bed or an overnight stay
– Outpatient cover – for diagnostic tests and consultations – Learn more about the difference between inpatient and outpatient cover
– Private GP appointments – for access to a GP within 24 hours: Seeing a GP with private health insurance
– Cancer cover – for cutting-edge cancer treatment that isn’t available on the NHS Cancer cover with private health insurance

Whether this is the first time considering a company health insurance scheme, or you’re simply reviewing your current plan, it’s crucial to be aware of your coverage requirements. We’re here to help assess all your options, enabling you to make the right choices for your employees and business as a whole. Learn More About Private Medical Insurance

What is Company Health Insurance?2023-10-31T04:12:39+00:00

Company health insurance grants your employees access to private medical care. This is also known as business health insurance or corporate health insurance, and allows your team to bypass NHS waiting lists, use private medical facilities, and receive treatment unavailable on the NHS.
Group schemes are available for businesses of all sizes, and can easily be tailored to suit your company’s needs. We compare all UK insurance providers to secure you the best deal, examining any current policies your company may hold to see if you can get better cover elsewhere.

International Health Insurance

Should I wait until I move abroad to secure international health insurance?2023-10-31T04:32:02+00:00

Many people decide to wait until they have moved abroad to secure international health insurance with a local provider, which is usually cheaper. However, there are some clear drawbacks to this approach.
As well as potential language barriers — the last thing you want when discussing important policy details — local providers are less likely to cover you outside your country of residence or give you control over when and where you receive treatment. Ultimately this depends on your personal requirements, so make sure you discuss all your options with one of our advisers first.

Do I lose my NHS entitlement when I move abroad?2023-10-31T04:31:12+00:00

This depends on the context of the move. If you’re relocating to work abroad for a set period of time, then you may be entitled to NHS healthcare because you will still technically be a UK resident. However, this is the only exception and only applies within Europe.

Some countries have their own state-run healthcare systems like the NHS while others will expect you to pay part or all of your medical expenses. In some cases, your healthcare will only be subsidised if you have permanent residency, which often takes years to finalise. Get in touch so our advisers can assess your situation and determine whether international health insurance is right for you.

How much does international health insurance cost?2023-10-31T04:30:18+00:00

Like all private health insurance policies, the price depends on factors including your age, medical history, and the cover you want. It will also be impacted by the cost of healthcare in the relevant country. For example, medical expenses can be very high in the USA, so this will be reflected in your international health insurance premiums. Speak to a Healthcare Clarity adviser to find a strong policy for your budget.

What Is the Best International Health Insurance?2023-10-31T04:27:15+00:00

It can be difficult to identify the best international health insurance when so many factors need to be considered. For example, some providers will have restrictions like excluding applicants over the age of 65, or putting limitations on those with pre-existing conditions. Your decision also depends on the country you’ll be living in and the type of cover you require.

This is why it’s in your best interest to seek professional guidance before committing to an international health insurance plan. Here at Healthcare Clarity, we provide free, expert advice and compare policies from all UK providers to secure the most suitable cover for your needs.

What Does International Medical Insurance Typically Cover?2023-10-31T04:26:07+00:00
  • Inpatient & outpatient treatment
  • Emergency treatment
  • GP & specialists visits
  • Care during pregnancy and childbirth
  • Dental care
What are the Advantages of International Health Insurance?2023-10-31T04:22:57+00:00
  • Receive better healthcare overseas
  • Access treatment faster
  • Avoid expensive medical bills abroad
  • Get treatment from English-speaking medical professionals
  • Be covered anywhere in the world – not just restricted to the country you live in (depending on your insurer and policy)
    Learn More About Private Medical Insurance
What is International Health Insurance?2023-10-31T04:20:34+00:00

International health insurance is essential for those that are overseas for a prolonged period, like people living and working abroad. This is a type of private health insurance designed to cover both emergency and routine healthcare in a foreign country. Although the cost of medical treatment can be very high outside the UK, international health insurance means you don’t need to worry about a large bill if you experience any health problems. This isn’t the same as travel insurance, which is an additional benefit typically only offering short-term cover for medical emergencies and non-medical issues such as lost luggage or cancellations. You can include both travel and international health insurance on your policy should you wish.

Inpatient & Outpatient Health Insurance

How does outpatient cover impact inpatient treatment?2023-10-31T04:43:49+00:00

Inpatient cover is typically included in any private health insurance policy automatically. However, the same isn’t true for outpatient care, although the majority of providers fully cover MRI, CT and PET scans. If you don’t have outpatient cover, you will need to rely on the NHS for diagnostic tests and scans, which could take significantly longer and therefore delay access to your inpatient treatment. If you have outpatient cover, however, you’ll be diagnosed and treated privately, and receive quicker care overall.

How much is inpatient & outpatient cover?2023-10-31T04:43:27+00:00

All health insurance policies have different levels of cover and providers take various factors into account when setting a price, like your age, location and lifestyle. We are here to answer all your questions, provide professional advice, and assess all your options to find the best plan for your budget.

Why Is It Important to Seek Advice on Inpatient & Outpatient Cover?2023-10-31T04:38:47+00:00

You’ll benefit from professional advice when choosing private health insurance. Talking to a specialist can help you decide what you require from your policy, prepare you for the long-term costs, and assess existing plans to see whether you can get a better deal elsewhere. At Healthcare Clarity, we’re here to provide all the guidance you need, so don’t hesitate to get in touch.

Should I Add Inpatient &Outpatient Cover to My Health Insurance Policy?2023-10-31T04:41:51+00:00

Many of our clients get private health insurance because they want quick access to consultations, tests, and treatment.

If this is important to you as well, then a reasonable level of inpatient and outpatient cover will let you skip NHS waiting lists. Contact our health insurance specialists to get advice on the best option for your requirements.

What are the different levels of outpatient cover?2023-10-31T04:41:56+00:00
  • Capped outpatient cover: Your provider will cover between £500 and £1,500 of outpatient benefits, so you may need to fund some diagnostics and tests yourself. MRI, CT and PET scans are usually fully covered.
  • Capped outpatient cover with full diagnostics:  Your insurer caps the number of consultations they pay for but covers ALL diagnostic tests in full. Strangely, this is a similar price to the previous option, and sometimes cheaper even though the cover is greater. However, it’s currently only offered by three providers: AXA PPPThe Exeter and Vitality
  • Full outpatient cover: There are no limits on consultations or diagnostic tests. This is the most expensive option as this is what most people claim for.
What is outpatient cover?2023-10-31T04:36:31+00:00

Outpatient cover pays for diagnostic tests and consultations that do not require a hospital bed overnight, such as blood tests, X-rays, MRI and CT scans. Many providers also cover minor procedures like wart removal or endoscopies under an outpatient option.

What is usually included with inpatient cover?2023-10-31T04:42:43+00:00
  • Fees for the operation and any drugs required
  • Fees for medical staff like surgeons, anesthetists and nurses
  • Pre-surgery checks
  • Private recovery room, other medical facilities and catering
What is inpatient cover?2023-10-31T04:34:47+00:00

Inpatient cover applies to any treatment which requires the use of a hospital bed overnight. This usually follows surgery, but also includes day-patient cover for minor procedures that require a hospital room, but for which you can be discharged on the same day. Inpatient treatment is included as standard in the majority of private health insurance policies.

Mental Health Insurance

Why is it important to seek advice on mental health insurance?2023-10-31T04:49:03+00:00

Whether this is your first time getting insured or you’re upgrading your policy, seeking advice is invaluable. Not only does this give you someone to whom you can explain your options and make sure you understand all the details, but you will also be more likely to secure a lower premium. Advisors can also review current policies and see whether you can get a better deal elsewhere.
We know that you may feel nervous discussing mental health concerns with a stranger, but our team has years of experience dealing with medical conditions, and will address your queries in a professional and sensitive manner. Get in touch now for all the guidance you need.

Can I get health insurance for pre-existing mental health conditions?2023-10-31T04:48:36+00:00

You’ll have to disclose any previous diagnoses when applying for health insurance. Not all companies cover pre-existing mental health conditions, but there are some specialist providers who do. It’s very important to thoroughly check the details of any policies you’re considering, and compare options to get the best price — a pre-existing condition can greatly impact your premium. Please contact us for additional advice on this.
Learn more about Private Health Insurance for Pre-Existing Conditions

How much is mental health insurance?2023-10-31T04:48:05+00:00

The cost of mental health insurance depends on factors including age, location and lifestyle. For this reason, we can’t give you a figure without the information providers use to set their price. Contact us for free quotes and advice on getting you the best coverage you can afford.

What is the Best Health Insurance for Mental Health Coverage?2023-10-31T04:47:40+00:00

Every policy offers different cover, so the right mental health plan varies from person to person. For example, a private health insurance policy that automatically encompasses mental health may suffice if you will only need minimal coverage. However, for greater protection, you’ll have to pay more. Some providers also exclude particular conditions and services that may be important to you.
To make sure your needs are met, we will first talk through your history, requirements, and any existing policies you already have in place. Our specialists will offer impartial advice, comparing all UK health insurance providers to ensure that whether you’re looking for individual, family or company cover, you’ll have the best possible private mental health insurance.

What Can Mental Health Insurance Cover?2023-10-31T04:46:49+00:00

Mental health insurance can cover a range of conditions such as anxiety, depression, PTSD, and substance abuse. The services you’re eligible for will vary between providers, but these are some examples:
– Private psychologists, counsellors and psychiatrists
– Mental health assessments
– Access to 24-hour support
– Tailored treatment plans
– Rehabilitation services, such as counselling and cognitive behavioural therapy

It’s important to understand all the details of your policy, and be aware of any exclusions. We offer free, professional advice to help you secure a policy which meets all of your needs.
Learn More About Private Medical Insurance

Does Private Health Insurance Cover Mental Health Treatment?2023-10-31T04:46:36+00:00

Millions of people suffer from mental health issues at some point in their lives, and fortunately, many private medical insurance providers cover the cost of access to private mental health services. Although the NHS offers care and treatment for mental health conditions, waiting lists are often very long — patients sometimes need to wait months, or even years for assistance. You will receive care much quicker with private mental health cover. Some insurance companies include mental health as standard, but in most cases you will need to add it to your policy. We compare quotes from all UK providers to find the best plan in terms of your needs and your budget.

Private GP Insurance

Can a private GP refer me to NHS facilities?2023-10-31T05:00:11+00:00

Yes, you are free to turn to NHS services after your private GP appointment if you wish. However, you can also use additional private medical services covered by your policy.

How much does private GP insurance cost?2023-10-31T04:57:30+00:00

Age, location, level of cover, and the number of people on the policy are just a few factors that will impact the cost, and we can’t provide an exact figure without this information. Just get a free quote and we will secure the best private health insurance with GP cover for your budget.

What private GP services do some insurers offer?2023-10-31T04:56:25+00:00

Here are some examples of private GP cover from leading UK providers:
• Vitality: Online GP appointments and video consultations are included as core cover on all plans.
• AXA PPP: Access to their Doctor@Hand feature under their extended cover option for video or phone GP appointments. They also cover up to £500 per policy year to visit a private GP for in-person consultations.
• The Exeter: Phone and video consultations with an experienced UK-based GP are available via their Healthwise app.
• Freedom Health: Covers £300 worth of private GP consultations per policy year under their Elite policy.

What is the Best Private GP Health Insurance?2023-10-31T04:55:43+00:00

This depends on your unique requirements. Private face-to-face appointments could be sufficient if you live near an eligible GP surgery, whereas digital consultations may be essential if you have a busy job or family commitments. The best policy will also depend on whether you require a joint, individual, family, or company cover.
Whatever your situation, Healthcare Clarity can find the best private GP insurance for your needs. We compare policies from all UK providers, and offer free, expert advice to help you get the healthcare you need for the most affordable price.

What Does Health Insurance With a Private GP Cover?2023-10-31T04:55:19+00:00

Some health insurance providers automatically include access to a private GP, while others offer this as an add-on. In addition to face-to-face appointments, there are also competitors providing digital GP services, letting you attend consultations from wherever you are.

Does Private Health Insurance Cover GP Visits?2023-10-31T04:54:34+00:00

Getting a GP appointment is not always easy, but some private medical insurance providers now cover GP services. This means that anyone with insurance in place can see a private doctor at their convenience, rather than face potentially long NHS waiting lists.

Cancer Insurance

Will a family history of cancer impact my premium?2023-10-31T05:06:04+00:00

It’s possible that some providers will ask about your family history and give you a more expensive quote if a relative has had cancer. This is particularly relevant if you are on a family health insurance plan. If an immediate family member covered by your policy has had cancer before, it may be worth looking at separate plans. Some providers will downgrade cancer cover for everyone due to one person’s previous diagnosis.
But for the most part, insurers won’t use your family history to determine your premium. We compare UK providers to make sure you don’t pay over the odds.

Can I get cover if I’ve already had cancer?2023-10-31T05:04:32+00:00

Though most policies exclude pre-existing conditions, there are some providers who will cover these. This means you will be insured even if you’ve previously had cancer, though you will normally only qualify if you have been symptom-free for a certain amount of time.

What’s not covered by cancer insurance?2023-10-31T05:04:07+00:00

Different providers cover different elements from others. For example, certain companies could exclude particular cancers in some circumstances, while others may not include things like experimental or unproven treatments. This is why it’s so important to seek advice and be absolutely sure that your policy covers your needs.

How much does cancer insurance cost?2023-10-31T05:03:12+00:00

Private health insurance with cancer cover can vary in price for many reasons, including your location, age and lifestyle. Every policy is different so we can’t give you a specific figure without more information. Simply get a free quote from us, and we can find you the best cancer cover for your budget.

What is the Best Private Health Insurance for Cancer?2023-10-31T05:02:49+00:00

Everybody has different concerns and reasons for obtaining private health insurance for cancer. And as all providers offer different levels of cover, you need to be sure you’re getting the right policy for your needs. That’s why we recommend seeking advice from a specialist here at Healthcare Clarity. It’s important you truly understand what a policy would provide if you received a cancer diagnosis. For example:
• Does your provider offer at-home chemotherapy treatment?
• Is your provider offering access to biological therapies?
• Are you covered for experimental treatments?

It’s worth taking time to find out the answers to questions like these. We compare all UK providers to get you the best deal, and ensure you fully understand what you are paying for.

What Can Cancer Insurance Cover?2023-10-31T05:02:20+00:00

– Access to cancer drugs and treatments unavailable on the NHS
– The choice to be treated in a private hospital or NHS hospital (where you’d receive an NHS cash benefit for using its services)
– Chemotherapy in the comfort of your own home rather than in hospital
– Home nursing from a private nurse during treatment
– Cash benefit contributions towards any wigs or prostheses required after cancer treatment or surgery
– Monitoring while you are in remission
– End of life palliative care, and donations to any hospice you stay in
Learn More About Private Medical Insurance

What Is Cancer Insurance?2023-10-31T05:02:16+00:00

Most providers of private medical insurance offer their clients comprehensive cancer cover, allowing them to skip long NHS waiting lists and access cutting-edge treatments. These may include drugs and procedures that aren’t available on the NHS due to cost. Following a diagnosis, this cover gives you the option to choose your desired hospital — either private or NHS — and a preferred consultant.

Cancer is one of the biggest medical issues you could ever face, so it’s definitely worth considering insurance as a precaution. If cancer cover is something you’re interested in, we will find you the best provider by comparing all your options.

Physiotherapy Insurance

Will I get to choose my physiotherapy clinic?2023-10-31T05:11:31+00:00

You will usually be able to choose where you want to be treated, enabling you to pick the most convenient location.

Do I need a GP referral to claim on my physiotherapy insurance?2023-10-31T05:10:53+00:00

This depends on your provider. Some allow you to self-refer, but most will need you to be referred by your GP before proceeding. For this reason, it’s worth considering health insurance which includes private GP appointments, so you can bypass NHS waiting lists and see a doctor as soon as possible.

Can I cover my partner under the same policy?2023-10-31T05:10:33+00:00

If you are over the age of 18, many providers will allow you to add a partner to a joint private health insurance policy that includes physiotherapy cover. Please contact us for more information.

What is the Best Physiotherapy Insurance?2023-10-31T05:09:13+00:00

As each individual has unique physiotherapy requirements, there isn’t a clear leader when it comes to insurance providers. What works for one person may not be as effective for you. And to avoid disappointment when making a claim, you must understand your policy inside out so you know what services you’re eligible for.

Instead of choosing the first company you find, or being swayed by the biggest name, let the team at Healthcare Clarity compare all your options. Whether you’re seeking insurance for the first time, or you’re switching provider, our experienced professionals are here to offer advice and answer your questions. We’ll make sure you have the very best physiotherapy cover, no matter how much you can afford to spend.

What Does Physiotherapy Insurance Cover?2023-10-31T05:09:01+00:00

Every insurance provider covers different elements of physiotherapy, but these are some of the things you can expect to find in a policy:
– Face-to-face physiotherapy
– Virtual physiotherapy (e.g. live video calls and pre-recorded demonstration videos)
– Telephone assessments
– Personalised physiotherapy programmes
– Written resources to support musculoskeletal health

Bear in mind that there may also be some exclusions. For example, certain providers won’t offer treatment at your home or cover the costs of specialist equipment recommended by your physiotherapist, such as a TENS machine or orthotics. You will also need to check whether a potential insurer allows you to access any treatment you want to explore, like shockwave therapy. Get in touch to discuss your needs and get the most out of your physiotherapy insurance.
Learn More About Private Medical Insurance

Does Private Health Insurance Include Physiotherapy?2023-10-31T05:07:57+00:00

Many private medical insurance providers cover physiotherapy to improve strength, flexibility, and movement in your muscles and joints after an injury or illness. This practice typically combines ‘hands-on’ treatments like joint mobilisation, manual therapy, massage and acupuncture with exercises and education for relieving pain and preventing injuries from reoccurring. Physiotherapy insurance quickly secures the care you need to get moving again without worrying about lengthy NHS waiting lists.

However, as all providers offer different levels of cover, it’s important to choose one that meets your personal requirements. That’s why we compare all UK insurance companies including AXA, Vitality and more to find you the best policy. Get a quote to start comparing or give us a call for free expert advice on physiotherapy insurance.

Additional Private Health Insurance Benefits

Pregnancy Cover2023-10-31T05:16:46+00:00

While all insurers cover pregnancy complications, it’s rare to secure general private pregnancy cover. However, there is one provider offering this: General & Medical. As part of their Elite plan, they will contribute up to £5,000 toward a private birth and offer a £250 maternity cash benefit. However, you need to have been a member for at least 24 months to qualify.

Travel Insurance2023-10-31T05:14:09+00:00

Many people take out travel insurance as a standalone policy to cover short-term medical emergencies and non-medical issues like lost luggage. However, it may be in your best interest to include this in your public health insurance plan instead.
Some providers charge travel cover as a percentage of your total annual premium, so it can be a lot cheaper than buying an individual travel policy. Plus, plenty of health insurers have no age restrictions, whereas those over 70 may find it hard to secure a dedicated travel plan.
This is also likely to be a better option if you have any pre-existing medical conditions. Certain providers will disregard medical history when offering travel cover. As a result, all pre-existing conditions can be covered by the travel insurance even if they are excluded from the private health insurance plan itself.

Dental & Optical Benefit2023-10-31T05:13:27+00:00

A dental & optical benefit means that your provider will cover part of your dental and optical fees every year while your policy is active. For example, your insurer may agree to pay 80% of your annual routine dentist fees up to £400, and 80% of glasses/contact lens costs up to £200 a year. They could also contribute towards an eye test.
Every provider offers varying levels of cover. You can add the dental & optical benefit with:
• AXA PPP
• Aviva
• Freedom Health Insurance
• Bupa (dental only)

What Are Some Popular Additional Private Health Insurance Benefits?2023-10-31T05:12:57+00:00

Private medical insurance policies can cover lots of medical needs such as inpatient & outpatient treatment, cancer, and private GP appointments. In addition to these well-known features, you will often be able to add some less common benefits to your plan if you wish.
Here at Healthcare Clarity, we can help you find a private health insurance policy meeting your every need. As well as comparing all UK providers, we offer free, professional advice every step of the way. These are some examples of additional benefits you may want your insurer to cover:

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