This type of cover can provide additional protection on top of what is provided for free by the National Health Service (NHS).
Medical Insurance pays towards your bills if you receive private medical treatment. It also allows you more choice in the level of care you receive and when you receive it.
The level of cover you receive depends on the policy you choose – basic policies will cover most tests and surgeries, while a more comprehensive policy will cover the costs for specialists and consultants.
However, insurance of this type does not cover pre-existing medical conditions, organ transplants, chronic illnesses and cosmetic surgery. It’s important to check exactly what is covered before taking out a Medical Insurance Policy.
Medical Insurance can be expensive, but it may be suitable if you need quick treatment or specialist care. Our expert advisers can help you to decide whether it is necessary for your circumstances.