the
best
in independent health insurance
Frequently Asked Questions
What isn’t covered?
Can I change my medical insurance company?
Why do I need medical insurance?
Am I covered for medical problems I have
had in the past?
Do I really need cover for "non-Urgent" or
"low-priority" conditions?
How long are NHS waiting lists in this
country?
Who can be covered with Best Health's medical
insurance?
Will my premiums ever increase?
Am I under any obligation by applying?
Will I need a medical or Doctor’s report?
Are there any exclusions?
Can I contact someone if I have a query?
What isn’t covered?
Usually pre-existing conditions and chronic
conditions
Can I change insurance company?
If you are currently insured you can switch to most
group schemes and still retain cover for conditions that are covered by your
existing insurer. Each year Best Health will review your healthcare needs and
suggest the best option.
Why do I need medical insurance?
The NHS is acknowledged as one of the best providers
of medical care in the world, especially for accidents, emergencies and life
threatening illnesses. Unfortunately there are long waiting lists for many
conditions and the NHS finds it difficult to offer priority treatment for
everyone. Medical insurance helps people by providing rapid access to top
quality care.
Am I covered for medical problems
I have had in the past?
Any condition you have suffered in the two years
prior to taking out your policy will automatically be covered once you have
been clear of this condition for two consecutive years after taking out your
policy. Alternatively, you can complete a health questionnaire so that your
policy can be individually underwritten. Existing conditions will then be taken
into consideration and they will either be excluded or an additional premium
charged.
Do I really need cover for
"non-Urgent" or "low-priority" conditions?
"Low-Priority" definitely does not mean "not
serious". You could wait up to two years for a triple bypass for example, or
for a hip replacement or the removal of impacted wisdom teeth. Waiting can be
worrying and painful and prevent you from leading a normal fulfilling life.
Maybe it would even prevent you from earning your living!
How long are NHS waiting lists in
this country?
According to the department of Health, in March 1999
(the latest statistics at this time), over 1.2 million people were on NHS
waiting lists. Many more are not yet on the waiting lists because they are
waiting to see a consultant! Best Health uk provides rapid access to
consultants, diagnostic tests and private hospital treatment should you need
it.
Who can be covered?
Anyone resident in the UK. If you are resident
elsewhere, we can arrange suitable cover.
Will my premiums ever increase?
Your medical insurance premiums will increase as you
move into each age band. But few companies increase premiums in relation to the
number of claims you make. They may also increase generally if new procedures
are added or if medical costs or Insurance Premium Tax increase. Whatever
happens you will always get plenty of notice.
Am I under any obligation by
applying?
No. You have 14 days in which to review your policy
and only then do you decide if the plan is right for you. If you decide it
isn’t, you simply cancel and you won’t owe a penny.
Will I need a medical or Doctor’s
report?
Cover is easy to arrange you do not need to
have a medical examination and there is no need for a doctor’s report. All you
have to do is complete the application and acceptance form.
Are there any exclusions?
Only pre-existing & chronic conditions and
whatever the plan chosen excludes which will highlight to you.
Can I contact someone if I have a
query?
Yes. Please call Best Health on 0800 073 0582 Lines
are open 9am to 5pm Monday to Friday but you can leave a message outside of
these hours. Helpful, Friendly and experienced staff will be only too pleased
to answer any questions you may have and to help in any way possible.
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