Before you take out private health insurance you need to ensure it is worth paying for. The value you get from it will depend on your requirements, expectations and the policy you take out. Below we discuss more about private health insurance to help you decide if it is the right choice for you.
Private medical insurance is used to pay part, or all of, your medical bills when you undergo private treatment. The amount of coverage it provides depends on the level of care you pay for and the type of treatment you require. You will have the option to either pay for your private health insurance monthly or annually, with policies available for individuals, couples or families.
The type of care provided by private health insurance depends on the policy you take out. Most basic polices will cover things like tests, scans, basic surgery and in-patient care (admission into hospital). More expensive options will extend this to include outpatient care which includes paying for use of consultants and specialists, while the most expensive policies will help pay for more serious conditions such as cancer treatments.
There will be slight variances from provider-to-provider, but in general terms they tend not to cover:
Always be sure to ask for and check the full list of conditions the proposed private health insurance policy will cover. While they are largely the same for most providers, there can be important differences in some and you want to ensure you are happy to pay for the coverage being made available to you.