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Private health insurance
What is Private Health Insurance?

In the past, private health insurance used to be something that you would only really get through your job as a benefit (if you were lucky!).

But nowadays it is quite common for consumers to buy private health insurance as an alternative.

Private medical insurance has a very specific role to play in both everyday and emergency healthcare. 

Health insurance policies—including private health insurance—simply make it easier to get the care you need when you need it.


What to expect from a private health insurance policy

You can take out this kind of private medical insurance coverage to protect yourself and other people. So, for example, you could also get the policy to cover your partner and children if you liked. To get this private health insurance benefit, you simply choose a plan, submit an application, and then pay any premium costs that you are charged by the insurer (usually on a monthly basis). If you need to make a claim then the insurer will either:

  • Pay your hospital/medical bills direct; or,

  • Give you the cash to pay the bills.

Typical benefits from this kind of private heath insurance include:

  • The ability to choose who treats you, where you are treated, and when you receive treatment.

  • The use of private hospital facilities for both in-patient and out-patient care.

  • Coverage for in-patient and out-patient needs.

  • The cost of consultations, treatments, operations, hospital care, and tests.

  • The cost of alternative treatments.

  • Coverage for dental treatment.

Keep in mind that you won’t necessarily get fully comprehensive coverage with all policies. Many private health insurance plans are ranked from the basic to the comprehensive; the more expensive your private medical insurance is, the more types of coverage you will get. And, many health insurance policies will set financial limits on how much treatment you can have in any given private health insurance policy year. So read the terms and conditions to check for this before you sign up to a policy!

Compare medical insurance providers

 
 
 
 
 
 
 
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