Our health service is in crisis. Waiting times in A&E are at the extremes, GP appointments are hard to come by, and waiting lists for tests and hospital procedures are on the increase – and there’s no sign of the situation changing for the better. With this in mind, it is no surprise that more people are turning to private health insurance to take responsibility for their own wellbeing.
Private medical or health insurance is an insurance policy, which covers the cost of private healthcare. Just like other insurance policies, you pay monthly or annual premiums and, in the event that you require private medical treatment – the provider will pay out for some or all of the cost of your treatment.
The amount of cover you will receive depends on the policy you take out. We recommend having one provider and one policy, as well as one point of contact for advice and support. This is where Crawford Mulholland can prove invaluable.
- Basic Cover – will usually pay for inpatient treatment and related costs.
- Medium Cover – generally covers outpatient care as well as inpatient support.
- Comprehensive Cover – includes inpatient and outpatient care, as well as extra surrounding treatment, such as mental health care or physiotherapy.