Affordable Private Health Insurance

By Camellia White | Last updated 24/05/2022

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Why do people buy health insurance?

Peace of mind is a common motivation; and as we emerge from the worst of the pandemic, uncertainty regarding NHS resources and future waiting lists is perhaps a greater factor than ever before.

A private medical plan can provide expert medical care for you and your loved ones; whether you find yourself dealing with cancer, heart disease, back pain, IBS or even pregnancy, your health insurance policy could ensure that you're seen and treated swiftly.

Not all policies are the same of course: a basic policy will usually cover the cost of in-patient treatments (tests and surgery) and day-care surgery. Some policies will extend to cover the cost of out-patient treatments too; perhaps involving specialists or consultants.

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Cover as individual as you

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Can my family avoid waiting in NHS queues?

With a health insurance policy you and your family will have swift, priority access to expert medical help should you need it. We all know and respect the incredible work of our NHS; but the demands placed upon the system inevitably lead to queues and delays. For non-urgent referrals, NHS patients can wait up to 18 weeks; and that can be a long time to endure discomfort or inconvenience. Private health insurance policies are often taken to avoid long waiting times in the future.

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I have a healthcare cash plan. Won't that do the same job?

No, healthcare cash plans and Private Medical Insurance are not the same thing - though you can have both; there’s no need to choose one or the other.

Cash plans provide a limited cashback facility against everyday treatments such as dentistry, a trip to the optician or maybe a course of physiotherapy. You pay a monthly premium to your insurer and you pay upfront for your NHS treatment, but then claim back some or all of the costs from your insurer; depending on your policy and within certain limits.

To decide if this could be a good option, you need to judge whether your premiums are likely to be more or less than the cash you can likely claim back over the term of the policy. At this time Our Healthcare are not able to offer quotes for healthcare cash plans.

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What are the top treatments claimed for?**

To give you an indication of the treatments private health insurance is used for, the greatest number of claims Bupa received in 2017 were as follows:

  1. Musculoskeletal problems (eg, back or neck pain)
  2. Digestive system conditions (eg, gastroenteritis, Crohn's disease, irritable bowel syndrome)
  3. Eye and ear conditions (eg, labyrinthitis – an inner ear imbalance)
  4. Cancer
  5. Heart and circulatory diseases (eg, coronary heart disease, arrhythmia – an abnormal heart rhythm)

Which of these lifestyles do you most strongly identify with?

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Our regulated service providers search and compare from all the UK's leading insurers, including:

PPP Healtcare Freedom Health Insurance Aviva Vitality WPA The Exeter Bupa Health-on-line

Terms & Conditions Privacy Policy

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at https://www.financial-ombudsman.org.uk

Our Healthcare is a trading style of E-Prospects DMCC which is an appointed representative of Ocapo Ltd. Ocapo Ltd is authorised and regulated by the Financial Conduct Authority, reference number 618229

*Based upon a policy holder living in London, who is 38 years of age and taking a Treatment Cover plan with a nil excess. Includes cancer cover and dental & optical cover. A £50,000 Limit applies per policy year. Offered in WPA’s current promotion - other exclusions apply and other plans are available. Analysis based on September 2021

** https://www.moneysavingexpert.com/insurance/cheap-health-insurance/

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