Private Health & Medical Insurance Information

A UK private health insurance news and information blog discussing the latest developments in the health and medical insurance (PMI) industry.

Friday, 9 January 2009

Create Your Own Health Policy

One size fits all rarely works in practice. Things that benefit one person do not always have the same advantages for someone else. With some private medical insurance policies, because of the way that they are structured, people can occasionally end up paying extra premiums to have access to one particular benefit, when other benefits offered on that higher level of cover are not needed, irrelevant and a waste of money. Freedom Healthnet, like other health insurers such as Norwich Union and Health Online, allows you to tailor your private medical insurance policy to suit your needs.

Freedom Healthnet allows its customers to choose whether they would like inpatient only cover, both inpatient and outpatient or fully comprehensive cover. Inpatient care includes accommodation charges, drugs and dressings, theatre charges, specialists’ fees, diagnostic tests, oncology treatments, including radiotherapy and chemotherapy as well as MRI and CT scans. Outpatient treatments are then optional and customers can choose whether to include them in their policy or not. These treatments include specialist consultation and treatment fees, x-rays, pathology, diagnostic tests and procedures, MRI and CT scans, radiotherapy, chemotherapy and physiotherapy. By giving customers the option as to whether they would like to be covered for outpatient care or not, Freedom Healthnet allows people to make savings on their private health insurance quote if these services are not needed.

It is also possible to personalise your policy even further, when deciding on which level of cover you would like. An essential insurance policy such as Freedom Gold Health Insurance may be suitable for someone wishing to top up their NHS treatment with the new rules on supplementing the cost of drugs for example, by paying for up to £30,000 worth of inpatient care. However, someone who is looking for a policy that gives them more peace of mind by covering nearly every eventuality may prefer a fully comprehensive policy which covers unlimited amounts of both inpatient and outpatient treatment.

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