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Here are some frequently asked questions about health insurance. Have a different question? Contact us today.
How does health insurance work?
If you have health insurance you can arrange to receive fast private treatment in a few easy steps:
If you suspect something is wrong with your health, visit your GP and tell them that you have private health insurance.
If you need treatment, your GP will be able to immediately refer you to a leading specialist and private hospital of your choice.
You must inform your insurance company that you want to make a claim on your policy and confirm your cover.
When your health insurance company provides approval your GP will book your appointment with the specialist. This will be paid for by your insurer.
Health insurance will not cover medical emergencies. If you require emergency treatment you will need to visit Accident and Emergency on the NHS as normal. However, once your health is stabilised your health insurance will cover your continued private treatment.
What types of health insurance policies are available?
Budget policies are the cheapest form of health insurance but they will normally only provide cover for in-patient and day-patient treatment with limits on the amount you can claim. Mid-range. Most mid-range health insurance policies cover full in-patient and day-patient treatment and selected outpatient treatments. Mid-range policies are a good option if you want the benefits of private healthcare at an affordable price.
Comprehensive health insurance policies are the most expensive option but provide full in-patient, day-patient, and outpatient cover, with benefits like psychiatric cover and complementary therapy included.
What hospitals can I use with my health insurance cover?
Every health insurance policy comes with a list of approved hospitals which may vary, depending on how much you pay. For example, not all policies will cover premium hospitals in London.
Make sure you are happy with your hospital list before buying your health insurance policy, especially if there is a particular private hospital you would want to use.
What factors will affect the cost of my health insurance?
Health insurance premiums are determined by different factors that can increase or decrease the monthly cost.
Naturally, your current health and medical history is an important factor for insurers and some providers will offer discounted premiums and cashback if you exercise regularly and eat healthily. If you smoke you may experience higher premiums than non-smokers and your age will also impact the cost of your policy.
What will health insurance not cover?
Health insurance is not designed to cover emergency medical treatment but it will cover your treatment once your condition has stabilised.
Typically health insurance will not provide cover for any of the following; pregnancy, fertility treatment, cosmetic treatment, gender reassignment, or any other voluntary medical treatment. Health insurance does not usually cover the treatment of chronic conditions but it may provide healthcare to stabilise a chronic condition if there is a serious flare-up of the condition.
Can I cover pre-existing conditions?
Health insurance is designed to cover conditions that you develop after taking out your policy. However, the type of underwriting you choose will determine whether your pre-existing conditions are covered in the future. There are three main types of underwriting:
Moratorium: Moratorium policies will normally exclude cover for any condition you have experienced in the previous 5 years. However, if you receive no symptoms, treatment or advice for that condition in the first two years of the policy you will regain cover for it.
Full medical underwriting (FMU): FMU policies require you to provide your full medical history on application. Usually your insurer will exclude cover for pre-existing conditions, but you will be made aware of these exclusions before you commit to buying the policy.
Switch: Switch underwriting allows you to change insurers without losing cover for conditions you have suffered since taking out your old policy. Will my health insurance payments change?
Your health insurance premiums may increase as you get older as you are more likely to claim on your policy. The level of increase will vary depending on your insurer and policy. It is worth reviewing your policy every year to make sure you are getting the right level of cover for the lowest price.
Who is private health insurance suitable for?
The simple answer – everyone! Private health insurance means peace of mind knowing that help is at hand when you need it.
We also know that everyone has different cover requirements and budgets, which is why we offer a range of policies to choose from.
Are there any age restrictions to taking out a policy?
You must be over 18 to take out your own policy with Health-on-Line. If you are younger than this, you would qualify as a “dependent” on a parent or carer’s policy.
There are no upper age limits, so whether you are 19 or 90 you can still take out a policy with us (although bear in mind, the older you are, the higher the costs of the policy).
Why should I buy health insurance?
You should purchase health insurance so that you don’t lose your lifelong savings while paying for medical bills in a critical situation.
How will health insurance pay for my emergency medical expenses?
Your health insurance will either pay your hospital bills directly if opted for the cashless facility or it will reimburse any payment made by you towards medical expenses incurred due to an illness or injury.