Personal Health Care Management

What are the options?

Private Medical Insurance or Health Insurance in the UK can seem like a minefield, as many types of insurance often do. Insurers offer many different styles of policies, with many allowing the customer to ‘tailor make’ the policy and fine tube the level of cover to suit their budget. In this article, we aim to break down the options to help you make the right choice.

Here we will out line all the information you need to know about the Diagnosis Policy. Your other options are the Treatment & Care Policy or a Full Medical Insurance policy. Click the links to find out more to help you make your decision.

Treatment & Care Policy Full Medical Insurance Policy

Diagnosis Policies

Diagnosis Policies usually provide cover up to the point of, you’ve guessed it, diagnosis. Classed as a lower level of cover policy, they are designed to help policyholders speed up the agonising waiting for an appointment letter from the NHS.

Policyholders suffering symptoms can ask a GP for an open referral to a private consultant rather than an NHS consultant. The policy would then pay for all consultations and diagnostic tests to help find out what the issue is. There is no limit of the amount the insurer will pay to get the customer to diagnosis – second medical opinions are covered in full. Once a medical diagnosis has been reached, the cover will stop for that particular medical condition – the policy holder can then fund the treatment themselves privately, or, be referred back to the NHS.
Extra benefits such as Well Being apps and access to a Digital GP often come as standard with these policies which makes them more attractive.

Pros:

 

  • Jump the NHS queues to get diagnosed privately
  • Get in the queue for the treatment that you need on the NHS Quicker
  • Cost effective option that gives peace of mind when you are unwell

 

Cons

 

  • Doesn’t cover any treatment needed, which can often be costly
  • Rigid policy which does not allow customers to alter the level of cover to bring costs down at renewal
  • Pre-existing conditions, as with most medical insurance in the UK is not covered

 

Who is it right for?

Diagnosis only policies would suit customers who want to keep costs down but also feel the need to reach diagnosis quicker than what is often available on the NHS. They would also be comfortable with having the option of self-funding treatment or using the NHS.

Monthly Premium for a 45-year-old living in Manchester – £28.19 (as of 01/09/2023 –source: Aviva PMI UK)

Overall, Private Medical Insurance may feel complicated, but there really are option to suit everyone. Personal Healthcare Management specialise in finding the right policy for customers and will be happy to give unbiased advice. If you would like to discuss options please email enquiries@phealthcare.co.uk or call 01829781920.

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We continuously compare all healthcare providers

It's easy to understand

We have refined our process to make things as simple as possible

1

Do you have an existing
policy?

If you hold a policy and would like a full market review or would like us to become your broker, click on ‘switch providers’ below.

2

Are you looking for
a new policy?

Select and read about the the policy you are interested in for your business from our services menu and click Request a Quote.

3

Provide us with some information

Once you’ve made your selection, help speed up the process by completing a form and providing us with some information.

4

We will call you back and discuss your options

We will use your information to find you the best premium for your team and deliver you independent and unbiased advice.

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WE ARE EXPERTS IN OUR FIELD

Providing you with independent and unbiased advice for all your healthcare insurance needs.

We have been working hard on presenting our customers with the best policies from the best providers to fit their business healthcare needs, to create desirable and fit for purpose employee benefits packages.

1

Confirm you're with the best provider

We’re one of only a few brokers who request quotes from every insurer and present you with every possible option.

2

Experienced Consultants

We are experts in the finer details of business healthcare insurance. We’ll advise on the best options for you.

3

Full Annual Reviews

We’ll automatically re-audit the entire market at every policy renewal date and present you with our findings annually.