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.
Healthcare Insurance | Health Insurance | ActiveQuoteFind out about Healthcare Insurance. ActiveQuote offer independent advice and online quotes comparison of all leading UK insurance companies. 







