Health Insurance Quotes Guides

Life Insurance - The Basics

With Life insurance you pay a premium for an insurance product that ensures financial security for your loved ones in the event of your death. It provides a tax-free lump sum or ongoing payments to a chosen beneficiary. This money can be used to cover various expenses such as outstanding debt or living costs.

To enhance your coverage, you can also consider adding critical illness insurance, which provides additional protection if you become ill or injured and are unable to work.

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The two main types of life insurance

Level term

Level term life insurance pays out a cash sum if you die during the time your policy runs. The amount paid unchanged whether you’re near the start or end of your policy. It’s the simplest and most straightforward type of life insurance.

Get A Level Term Quote

Decreasing Term

Decreasing term life insurance is a type of life insurance policy that pays out less over time. It’s often used to cover the balance of a repayment mortgage, because the total balance of the mortgage decreases over time and will be paid off in full at the end of the term. This is normally the cheaper of the 2 options.

Get A Decreasing Term Quote

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You'll need to consider 3 things

Cover Amount

The income your family or dependants will need to cover living costs without your contribution – mortgage or rent, debts, childcare, education and funeral costs.

Length of Policy

Think about your circumstances and how they might change with time. For example, how long your dependants will need financial support or when your partner expects to retire.

Joint vs single life policy

A joint policy can often be cheaper, but it only pays out once – when the first person dies. With separate policies, when one pays out, the other policy will continue.

What's Covered?

Usually As Standard

  • In-patient hospital treatment, diagnostic tests and consultations
  • Day patient treatment, diagnostic tests and consultations
  • MRI/CT/PET scans
  • Private Cancer Cover once diagnosed

Optional

  • Outpatient consultations and diagnostic tests
  • Therapies such as physiotherapy
  • Dental Cover
  • Travel Cover
  • Mental Health Cover

Exclusions

  • Chronic conditions
  • Emergency care
  • Cosmetic procedures
  • Pregnancy and childbirth
  • Substance misuse
  • Routine and elective checks
  • Some pre-existing conditions

Leading UK Insurers

Aviva Health Insurance

Aviva

Information

Originally Norwich Union, Aviva are regarded as being the largest overall insurer in the UK with over 15 million customers. They have won the “Health Insurance Company of the Year” award on numerous occasions. Their Healthier Solutions product is rated…

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AXA Health Insurance

AXA Health

Information

AXA PPP Healthcare have been in the market since 1940 and are one of the leading choices for many customers. Their Personal Health product is rated 5 stars by Defaqto. AXA Health UK is a leading health insurance provider that offers…

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BUPA

Bupa Health Insurance Review

Information

Compare Health Insurance Policies=#152266# BUPA Bupa, established in 1947, is one of the most recognised and trusted health insurance providers in the UK. Known for its comprehensive coverage and commitment to customer care, Bupa offers a range of health insurance plans that…

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Vitality Health

Vitality Health Insurance Review

Information

Compare Health Insurance Plans=#152266# Rebranded in 2014 from Pru Health, Vitality Health Insurance has emerged as a leading provider in the UK, offering a unique approach to health and wellbeing. Their innovative insurance products are designed to incentivise and reward individuals…

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The Exeter Health Insurance

The Exeter

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WPA Health Insurance

WPA

Information

WPA is a non-profit organisation which means money can be reinvested into the business to create a better customer experience. They have a shared responsibility element of cover which allows the client to make a co-payment for treatment costs, this…

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Freedom Health Insurance

Freedom Health Insurance

Information

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Typical claims process

GP referral

All providers require you to visit your GP so they can refer you for treatment before starting your claim.

Specialist Consultation

Your GP has referred you for specialist treatment as an outpatient which usually includes an initial consultation and diagnostic test to determine whether further treatment is required.

Hospital treatment

If further treatment is required it is likely this will be in the hospital as an IN or DAY patient for example an operation. This could either be in a private hospital or an NHS hospital with private facilities.

Follow up visits

After your treatment, you may be required to have a follow up with the specialist to review your treatment and you may need some rehabilitative therapies as part of your recovery such as physiotherapy.

Discharge

When your specialist is happy with your recovery you will be signed off from check-ups and treatment and you will be discharged - at this point your claim with the insurer will finish.

What Affects Your Health Insurance Cost?

  • Your Age
  • Your Smoker Status
  • Your Postcode
  • The Amount Of Cover You Choose
  • Some Insurers Offer A Discount if You're Healthy

The Three Stages Of Treatment

Outpatient

An appointment or minor treatment at a hospital or clinic that doesn't require admission or a bed. Normally A specialist consultation and diagnostic tests may to diagnose the complaint.

Day Patient

A patient who is admitted to a hospital because they need diagnostic tests or treatment, but they do not stay overnight. This is sometimes referred to as a day case and an example would be cataract surgery

Inpatient

Admission to hospital for treatment that requires a bed for an overnight stay for example complex surgery or a serious illness that requires substantial monitoring.

Underwriting options

When you take out a new health insurance policy the insurer may ask you some medical questions and they will underwrite your policy, this determines how they will cover you for your pre-existing medical conditions. There are two main types of medical underwriting, these are..

Full Medical Underwriting (FMU)

In depth medical questionnaire whereby, you will be asked to give details of medical history. In some instances, with your consent, the insurer may contact your GP requesting more information but often this is this isn’t required. The insurer will tell you which medical conditions they will and won’t cover you for before you take out the policy. You may have certain medical exclusions written into your policy with this underwriting method.

Moratorium (MORI)

With this you do not need to tell the insurer about your medical history when you take out the policy. The insurers will not cover you for any medical condition you have had treatment for, medication, advice or had symptoms of within 5 years of the policy start date. Should any condition fall into that category then it will be excluded for a minimum of 2 years. If after the start date you go 2 years without any further treatment, medication, advice or symptoms then after 2 years the condition will be covered again.

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What customers love about our service

  • No Pushy Salespeople
  • Personalised Service With A Dedicated Advisor
  • Best Prices On The Market
  • 5 Star Defaqto Rated Insurers
  • No Fee's
  • Ongoing Support
  • Partnerships With Top-Rated Advisors

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Frequently asked questions

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