Private Medical Insurance
At Clarity Health Insurance, we understand that your health is your most valuable asset that needs to be protected. We also understand that the protection of your health is unique given your personal circumstances and requirements.
We offer Private Medical Insurance (PMI) solutions tailored to your personal needs and preferences. With our leading expertise in the health insurance industry, and our commitment to providing our clients with the right cover, we know we can assist you in the best possible way.
Benefits of private medical insurance
Private Medical Insurance provides you with the assurance that you’ll receive prompt and specialised medical care when you need it most. It offers a range of benefits that set it apart from public healthcare options:
Choice of Specialists
With PMI, you have the freedom to choose your preferred medical specialists and hospitals, ensuring that you receive the highest standard of care in premium facilities.
Reduced Waiting Times
Avoid lengthy NHS waiting times that could affect your chances of getting the right care when you need it. Private healthcare offers quicker access to consultations, diagnostic tests, and treatments.
Personalised Care
PMI allows for personalised treatment plans tailored to your specific health needs and preferences.
Access to Premium Hospitals
Enjoy access to the network of top-tier private hospitals and specialist clinics known for their exceptional medical services.
Additional Services
PMI often covers services beyond what public healthcare provides, such as: Private GP appointments, mental health support, pregnancy complications, optical treatment, dental treatment. Furthermore, you can receive enhanced specialist care for physiotherapy and cancer.
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Types of health insurance
Family cover
Protection for you and your loved ones, enabling all to receive the private medical treatment when needed.
Child cover
Feel at ease knowing you have the best health protection in place for your child or children.
Small business cover
Provide your employees and advertise a highly sought after benefit for new recruits, with company health insurance.
Over 50s cover
Enjoy life to the fullest in your senior years knowing that you have cover for the best treatment when you need it.
Individual cover
Individual policies providing private health insurance for a single person, including self-employed cover.
Joint cover
Protect both you and your partner, giving you peace of mind that you are both fully covered.
What are cover options?
The type of cover you choose depends on factors that address your overlying need considering who specifically the policy if for. For example the main cover types are: individual, family, joint, child or business coverage. Your chosen cover type can then be tailored with specific options depending on your needs and circumstances.
Mental Health Cover
Feel assured that you are protected if the unexpected happens, with coverage for psychological conditions like anxiety, depression, and PTSD.
Private GP Cover
Avoid the frustration of making an appointment and being on a NHS waiting list. Private GP cover enables you to get a GP appointment when you need it.
Cancer Cover
Have peace of mind that you will receive top-tier treatment should the unforeseeable happen, as well as avoiding NHS waiting times.
Inpatient & Outpatient
Inpatient covers treatment requiring an overnight hospital bed, while outpatient covers tests and treatments without the need for an overnight stay.
Physiotherapy
Cover that will get you back healthy and fit as before, so that you can focus on living your life to the fullest and achieve your goals.
Six-week Option
A six-week option means that, instead of claiming on your healthcare policy, you will use the NHS if it can deliver inpatient or day patient treatment within six weeks of referral.
Additional Benefits
Enjoy additional benefits of private healthcare by getting cover for dental and optical treatments, or travel and pregnancy complications.
Core Cover
Receive a payout for the treatment itself, but not for additional aspects such as diagnostic tests and consultations.
How does health insurance work?
Private health insurance functions like any other type of insurance—you pay a monthly or annual premium in exchange for coverage.
Your policy will include an excess, which is the amount you agree to pay toward any claim. In return, your insurer covers the remaining cost of private medical treatment, helping you avoid large out-of-pocket expenses or long NHS waiting times.
For example, if your excess is £200 and you require treatment costing £1,500, you would pay the first £200, and your insurer would cover the remaining £1,300, subject to any policy limits.
In many cases, you’ll only need to pay your excess once per policy year on your first eligible claim, though this varies between insurers. Always check the terms before committing to a plan.
You can usually choose an excess that fits your budget. A higher excess lowers your monthly premiums but increases the amount you pay if you claim, while a lower excess means higher premiums but reduced costs when seeking treatment.
Related guides
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