It is very important that you should think carefully about how to get a private medical insurance policy that suits your needs. If the time comes when you need to make a claim, you do not want to find that you are not covered for a particular type of treatment. When enquiring into a quote for private health insurance there are many questions that you should ask yourself. Here are just a few:

Am I required to undergo any health checks?

This depends on which type of underwriting you choose for your policy. If you opt for moratorium underwriting you will not have to take any tests or give any information, but for two years you won’t be covered for the treatment of any type of condition that you have had medication, advice, treatment or have experienced symptoms for, whether or not the condition has been diagnosed in the last five years. You will have to fill out a full medical questionnaire however, if you choose full medical underwriting.
Will I have to contribute anything towards the cost of my health care?

You will have to pay a £100 excess on every claim you make with Freedom Healthnet. However, if you decide to increase this cost then you could save up to a quarter off your premiums. With fully comprehensive policies such as Diamond Plus, you will be entitled to unlimited in-patient and out-patient care so you should not have to pay anything else, but you may have to pay a little bit extra if your treatment goes over the limits of your benefits.

Are dental and alternative therapies covered?

Freedom Healthnet does not contribute towards the cost of any dental treatment, but it does embrace the popularity of alternative therapies, such as acupuncture, with the possibility for Diamond Plus customers to add this on to their policies. Other options include psychiatric care and rehabilitation treatments like home nursing and specialist second opinions which are not always covered by other health insurers.