Private Medical Insurance
Why Consider Private Medical Insurance?
In the UK, we are fortunate to have the National Health Service (NHS), which means that most essential treatments and prescription medicines are funded and accessible to everyone. However, it is entirely understandable that many people choose to supplement this with private medical care, either to gain faster access to treatment, have more flexibility in choosing specialists, or receive additional services not fully covered by the NHS.
Private medical insurance can provide shorter waiting times and more personalised care, making it a popular option for individuals and families seeking extra security for their health needs.
What Does Private Medical Insurance Cover?
Private medical insurance policies can vary depending on the provider and level of cover chosen. However, many policies typically include:
- Consultations with specialist doctors
- Diagnostic tests such as MRI or CT scans
- Private hospital treatment
- Surgical procedures
- Access to private hospital facilities
Our team can guide you through the different options available and help you select a policy that aligns with your healthcare priorities.
What Are The Main Benefits of Private Medical Insurance?
There are multiple benefits to private medical insurance but look over the following to see if this is the right investment for you:
- Reduced waiting times for non-urgent treatments
- Choice of consultant and hospital
- Private facilities and comforts
- Coverage for specialist tests and treatments
- Financial protection for expensive procedures
- Peace of mind
- Optional extras
What is Included in Private Medical Insurance
- Inpatient and Outpatient Treatment
- Specialist consultants
- Surgery and treatments
- Optional extras (depending on the policy)
Exclusions
- Cosmetic Procedures, routine dental or eye care and treatments for pre-existing conditions may be excluded or limited.
Our Services
- Investment Planning
- Retirement Planning
- Protection Planning
- Tax and Trusts
- Equity Release (Lifetime Mortgages)
- Mortgages
Who Should Consider This Option?
If you looked at the benefits listed above and thought that this was exactly what you needed, you are already seeing the potential advantages of choosing private medical insurance. With a policy in place, you can access treatment sooner while having the reassurance that the costs will be covered when you are insured. However, it is important to note that if you have existing long-term or pre-existing conditions, insurance may not cover treatment related to these. This is because most policies exclude pre-existing conditions or apply waiting periods, as insurers cannot predict the cost of treatment for conditions that already exist at the time the policy starts.
It is particularly suitable for individuals who want faster access to treatment, professionals who cannot afford long periods away from work, families seeking quicker care for their children, and those who value having a choice of consultant and hospital.
We Will Answer Any of Your Questions
We tried to gather answers to the questions you ask most often.
Our Locations
- Stamford
- Market Harborough
- Rutland
- Lincoln
Ready to plan your future?
Come in for a chat or get in touch in a way that is convenient for you.
You will find us right in the heart of Uppingham, in the beautiful county of Rutland. We welcome clients from across the surrounding areas – including Stamford, Peterborough, Bourne, The Deepings – and further afield.
