With the announcement this month from the Department of Health, allowing us to top-up NHS treatment, private health insurance companies across the UK are looking for ways to address this new market. The move means that patients may now be able to put money towards the cost of their healthcare if the NHS refuses to pay for all of it, for example where a particularly expensive drug might be concerned, previously subject to approval by NICE. Before, if a patient wanted to contribute, they would have had to fork out for the cost of the entire treatment; something that would have been too expensive for most people. But, while the majority of insurers are working to develop a private medical insurance policy to help people out in this situation, Freedom has a ready made NHS top-up solution that you can access straight away.

As a health insurance provider that offers cash upon approval of inpatient claim, Freedom’s policies work slightly differently to traditional health insurance. Instead of paying directly to the private hospital or facility where you received your surgery, Freedom gives you a cash lump sum which then enables you to use the money as you see fit. So, if you wanted to be treated in a private clinic then you could, but you could also choose to be treated by the NHS and use the money to top up the treatment that you would have received on the NHS. Freedom’s Gold Essential health insurance policy would be ideal, if you just wanted to be covered for this eventuality. Premiums start at just £10.88 per month and give you access to up to £30,000 of in-patient cover.

More information about health insurance & NHS Tops Ups.