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Private Healthcare

Access expert medical care when you need it

Make sure illness or injury doesn’t impact your earning potential

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Access to the best possible treatment

Illness and injury are a part of life, but if they prevent you from working, you need to know you’ll be seen and treated quickly. Unfortunately, with staff shortages and long wait times, that can’t always be guaranteed on the NHS.

Private Health Insurance covers the cost of private medical treatment, including most tests, consultant fees and surgeries, to ensure you receive the best possible care when you need it. It also covers private hospital stays and the cost of certain medications.

Return to work faster

With access to private healthcare, you can avoid waiting lists and make sure you’re back on your feet as soon as possible. You can also be covered for treatments not available on the NHS.

However, deciding on the right level of Private Health Insurance can be a complicated task, which is why our experts get to know you and your needs to help guide you through the different providers and policies.

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Earn while you’re unable to work

While having access to expert medical care is a major benefit, there may still be a period of treatment or rehabilitation where you can’t work. To avoid the financial impact, Income Protection Insurance provides you with a regular wage during periods of illness or injury that prevent you from earning an income.

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For more information please download our guide to Private Healthcare.

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What does Private Healthcare cover?

Private Healthcare plans are typically designed to cover acute medical conditions. This includes short-term illnesses, treatable diseases and injuries which, through care, you are likely to make a full recovery from. If you have an existing chronic condition, it’s likely that this will be excluded from any cover you take.

Why do I need Private Healthcare?

Unlike other forms of insurance, Private Healthcare tends to be viewed as optional. This is because we are fortunate to live in a country that offers an extensive National Health Service that will cover most treatments for free. However, due to long waiting lists and lack of choice, it could also benefit contractors to have Private Healthcare in place.

As a business owner, professional or contractor, if you can’t work, you can’t earn. With a Private Healthcare policy, you can rest assured that if you do have an illness or injury, you’ll be able to get back on your feet and back to work faster than usual.

Are pre-existing conditions covered?

Private Healthcare is designed to cover conditions that you may develop after taking out the policy. However, depending on the insurer, you may be able to cover pre-existing medical conditions. Keep in mind that this will have an impact on the cost of your premiums.

What are the benefits of Private Healthcare?

Getting help faster – Being seen quickly is one of the many reasons contractors consider Private Healthcare. If you’re unable to earn due to an illness or injury, Private Healthcare will get you back on your feet faster than regular NHS services. You may have access to better care as well as medication and treatments that are not yet available on the NHS.

Privacy and choice – By purchasing Private Healthcare you often have more choice and greater privacy. You may be able to choose a hospital or doctor and even request your own private room – this wouldn’t be available to you if you used the NHS.

What factors affect the premium?

There are many factors that can influence the cost of your premiums. Typically, your age, current health and medical history, but your job may also have an impact if it is seen as a risky profession. If you’re a smoker you may have higher premiums than non-smokers.

What’s important to consider when looking for Private Healthcare?

When looking to get a Private Healthcare policy, it’s important for you to understand what type of cover you require. Do you want comprehensive coverage (which will cover you for everything) or a policy that simply covers you for outpatient visits?

You may also need to consider what could be affecting the price of your premium. Getting the best possible cover won’t be the cheapest but you can’t put a price on your well-being when you’re a contractor. Therefore, it is best to speak to an adviser to find out the level of cover you need to suit you and your circumstances.

How can I set up a Private Healthcare policy?

When it comes to things as important as protecting our health and finances, we believe that you should receive the best impartial advice. To set up a Private Healthcare policy, or if you have more questions and want to speak to an expert, get in touch.

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