Additional benefits included with private health insurance

Private health insurance policies can cover lots of medical needs such as inpatient & outpatient treatment, cancer, mental health, 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 private medical providers, we offer free, professional advice every step of the way. Below are some examples of the additional benefits you may want your insurer to cover.

Dental & Optical benefit

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:

Start your quote

Travel insurance

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.

Pregnancy cover

While all insurers cover pregnancy complications, it’s rare to secure general private pregnancy cover.

Gym membership

Private healthcare providers want to keep you as healthy and happy as possible, so some will offer gym membership or discounts as an additional option you can add to your package. This may be in the form of a membership that has an association with the private healthcare provider, or in the form of a voucher you can use at a gym local to you.

Check with the policy provider to see what options are available, as this may include a gym you are already signed up as a member with.

Family cover

If you want to protect your family as well as yourself, then you can opt for a private policy that includes family health insurance cover, allowing you to add coverage for your partner and children. This can give you peace of mind that those closest to you can get the treatment they need if they become unwell. There are a range of different options available with different levels of coverage, so you can tailor it to your exact needs.

Cycle to work schemes

Some private healthcare providers will offer you discounts on cycling equipment, including new bikes, as part of their coverage. This is to encourage you to be more active by getting out on your bike. Many of these discounts are included as standard, but some more generous packages may only be available as either an optional extra or on the more comprehensive and expensive packages.

Make the most out of your private healthcare cover by choosing a policy with additional benefits

Choosing additional benefits with your private healthcare package can allow you to get more out of the protection provided. Private healthcare often have a lot of partnerships with the best providers around, meaning you will get the best quality care, whether it’s dental, optical or a medical issue that takes place while on holiday.

You should also remember that these benefits are also designed to keep you happy as a customer, and so will have different perks and incentives to make them as attractive as possible as an option.