Inpatient and Outpatient Health Cover

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Inpatient Cover

Inpatient cover applies to any treatment that requires a hospital bed overnight. This usually follows surgery but also includes day-patient cover for minor procedures requiring a hospital room where you can still be discharged on the same day.

Inpatient treatment is included as standard in most private health insurance policies.

What is usually included with inpatient cover?

  • Fees for the operation and any drugs required
  • Fees for medical staff like surgeons, anaesthetists and nurses
  • Pre-surgery checks
  • Private recovery room, other medical facilities and catering

Outpatient Cover

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 such as endoscopies and wart removals under an outpatient option.

Choose Between Different Levels of Outpatient Cover

  • 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. This is a similar price to the previous coverage option and can sometimes be cheaper, even though the cover is greater. However, it’s currently only offered by three providers: AXA PPP, The 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.

Add Inpatient and Outpatient Cover to Your Health Insurance Policy

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.

Get Impartial, Expert Advice on Inpatient and Outpatient Cover

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. By speaking to an expert, you can ensure the coverage is tailored to your exact needs and budget requirements.

At Clarity Health Insurance, we’re here to provide all the guidance you need, so don’t hesitate to get in touch.

The Cost of Inpatient and Outpatient Coverage

All health insurance policies have different levels of cover, and providers take various factors into account when setting a price, such as your age, location and lifestyle. You can get a quote by providing some of these details to us, and we will then use it to compare the options available. We are here to answer all your questions, provide professional advice, and assess all your options to find the best plan for your budget.

How Outpatient Cover Works with Inpatient Treatment

Inpatient cover is typically automatically included in a private health insurance policy. However, the same isn’t true for outpatient care, although the majority of providers will 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 delay access to your inpatient treatment. However, if you have outpatient cover, you’ll be diagnosed and treated privately and receive quicker care overall.

Switching Health Insurance Provider and Adding Exclusions

We will only advise you to add an exclusion to your policy if we feel it’s the best option for you in the long-term. Our experienced brokers will listen carefully to your needs, your health history and your financial status, and give advice based on what you tell us. If you feel you want to add an exclusion, you can discuss it then.

Inpatient and Outpatient Cover and Cancer Treatment

If you are in need of treatment for cancer, then you may need to have included cancer coverage in your original healthcare plan. While initial diagnoses and tests will be included in any inpatient and outpatient coverage, additional cancer treatment and requirements may not. Speak to one of our brokers for information or check the policy documents of your private healthcare coverage.

Key Benefits of Outpatient Cover

As previously mentioned, the biggest benefit of outpatient cover is the ability to quickly get scans and diagnostic procedures for any health conditions that may arise. Without coverage, you will have to wait for the NHS to find an appointment for you, which can take several months in the current service levels. Even if they believe your condition to be urgent, this can result in an anxious wait.

Being able to skip the queue and get diagnosed quickly can be important for those who cannot afford to take long periods of time off work, don’t want to miss out on time with family, miss out holidays that have been booked, or just want to get back to being healthy again as quickly as possible. Private medical coverage with outpatient coverage will speed up that early part of treatment.

Outpatient coverage also covers treatments and operations that don’t require an overnight stay, so can ensure you are given the best treatment in the most comfortable conditions.