Healthcare Insurance

Healthcare Insurance could be the perfect way for you to gain reassurance about the healthcare of you and your loved ones. Whether you want a quick diagnosis, prompt treatment, or access to cutting-edge treatment, there is a healthcare insurance policy to suit you and your budget.

What is Healthcare Insurance?

Healthcare Insurance is also known as Health Insurance, Private Medical Insurance and PMI. Healthcare insurance guarantees peace of mind about your future health by complementing the service provided by the National Health Service (NHS). It can be the perfect choice for families, individuals or even businesses looking to cover their employees. ActiveQuote compares all leading UK healthcare insurers and allows you to purchase the best quote online.

Why should I buy Healthcare Insurance?

People choose to buy healthcare insurance for many different reasons. The National Health Service does many things well, but its standard of care varies in hospitals across the UK. With the NHS you often have to wait to see a specialist even with serious conditions. Healthcare Insurance guarantees that you will be always be given the very best treatment in a private hospital of your choice, at a time convenient to you.

With health insurance, you can skip potentially long NHS queues and get treatment straight away. Healthcare insurance gives you the choice of private hospitals, ensuring you avoid superbugs like MRSA and C. difficile which are present in NHS hospitals. You will also be given a private room, often with an ensuite bathroom and excellent facilities like television and a telephone. Healthcare Insurance will also give you access to expensive drugs that the NHS cannot afford.

Take a look at our free online hospital tool which allows you to see which policy covers your local private hospital.

What types of Healthcare insurance are there?

There are three types of healthcare insurance offered by insurance companies, often described as budget, standard and comprehensive.

• Budget policies are the cheapest option, but only provide very basic cover with limits on how much you can claim.
• Standard / Mid-range policies usually cover inpatient and day patient treatment as well as certain outpatient treatments.
• Comprehensive policies are the top range of healthcare cover, and often cover other benefits like psychiatric treatment and complementary therapies, with no limits on the amount you can claim.

ActiveQuote prefers not to use these terms, since many healthcare insurers are now offering more modular policies which you can customise to suit you. This means you are no longer restricted to the traditional three levels of cover, and can build your own cover to suit your needs. Our unique comparison service shows all the options available on each policy so you can tailor your healthcare insurance quotes to your needs and budget.

You can also choose your type of underwriting when purchasing healthcare insurance. The three types of underwriting are Moratorium (MORI) plans, Full Medical Underwriting (FMU) and Switch or Continuing Personal Medical Exclusions (CPME). Speak to one of our advisers to find out about the different types of underwriting, or read our Health Insurance Guide.

Can I save money on my Healthcare Insurance Policy?

ActiveQuote's comparison service will allow you to tailor the health insurance quotes online by changing voluntary excess, the hospital list, the modules and the options with instant updates to the price. There are many ways you can save money on healthcare insurance without sacrificing your cover. Discount schemes can help you afford more expensive policies without losing the core healthcare insurance. These include increasing your excess and a six week wait option.

Lower cost cash plans are a cheaper alternative to full health insurance. You will still have to pay premiums for cash plans, but they will give you cash payments towards your healthcare bill.

Healthcare insurance Comparison

Searching for healthcare insurance can take up a lot of time, particularly with over 15 insurers currently on the UK market. Our comparison service is the only true comparison service in the UK which compares detailed quotes from all the UK’s leading healthcare insurance providers.

Try our FREE Comparison Service now.

What are the advantages of using a Healthcare Insurance Broker?

ActiveQuote is a registered PMI broker with over 40 years of experience in healthcare insurance. Our team of advisers can help you narrow down your quotes to the most suitable one for you. Unlike some other online healthcare insurances comparison sites, we will not sell on your details to any third parties.

By using ActiveQuote you can receive impartial advice about the whole health insurance market. If insurers will not pay out on a claim, ActiveQuote can assist you. We will automatically renew your cover after a year and will always let you know about better policies. Finally, ActiveQuote can quote the lowest prices on the market.