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At Compare My Health Insurance we are proud of our National Health Service (NHS), it has provided the majority the healthcare to our nation for nearly 100 years - but the reality is that in recent years the NHS has come under significant strain. Factors like the rise in population, lack of funding and the increase in life expectancy have resulted in longer waiting times, lack of choice and limited treatments due to their cost. Private Health Insurance allows you to jump the NHS waiting lists for referrals and treatments and provides access to treatments that are available on the NHS for example groundbreaking drugs.

As a rule, new customers to medical insurance will have all previous medical conditions excluded - sometimes for a minimum of 2 years and sometimes indefinitely, depending on the underwriting terms you join on. You will only be covered for new conditions that you are diagnosed with whilst you are a member of health insurance. Your advisor will be able to take you through all the underwriting options available

Health insurance for many is a luxury product, however, there are lots of ways to make your policy more cost-effective. For example, with the use of a policy excess or by limiting how many hospitals you can use.

Health Insurance covers you for acute medical conditions you develop whilst you are a member of an insurance policy. An acute medical condition is something that you can be diagnosed with but can be cured with treatment (for example osteoarthritis of the knee joint could be treated with a knee replacement). Typically, the policy will cover you as an In and Day patient and you can choose to add things like outpatients and therapies such as physio.

Chronic conditions i.e. medical conditions without a known cure will not be covered and the routine maintenance on them. Elective treatment is also excluded meaning you need to be referred by a GP before using your policy for anything.
Pre existing conditions are generally excluded when you first take out a policy - sometimes for 2 years and sometimes forever. It's good to speak to your broker about your medical history so they can tell you what's covered before you take out a policy.

All insurers require you to obtain a GP referral, this will mean you will need to make an appointment with your doctor or use one of the insurers' in-house GP's. At this point you will contact your insurer who will authorise your claim and signpost you to the next stages of your claim (outpatients - in/day patients - follow ups).

Quicker referrals, jump NHS waiting lists, more comfortable surroundings (own room in hospital with en suite facilities) access to treatments that aren't available on NHS due to their cost eg cancer drugs. Private GP services, faster appointments.

A private health insurance advisor does not charge a fee. They receive a commission directly from the insurer they introduce you to, for looking after you and your policy moving forwards.

A chronic condition or illness is a long term condition that can be managed with treatment but not cured.