different health insurance policies

Which Plan?

There are many different policies available - let us find the right one for you:

Budget

Normally, only inpatient treatment (day and overnight stays in hospital) is covered. Diagnostic tests, Consultant’s fees and outpatient treatments are not always covered. This type of policy best suits those who can afford to pay their own outpatient tests and consultants fees from savings. The policy will pay for the most expensive treatments such as operations. Some insurers will include diagnostic tests and consultants fees if this results in an inpatient hospital stay. Inpatient radiotherapy and chemotherapy is covered by most insurers on budget polices.

Standard

This covers full inpatient treatment such as operations and a range of outpatient treatments. Specialist consultations and diagnostic procedures, including pathology, radiology computerised tomography, MRI Scans, radiotherapy and chemotherapy up to a limit of anything between £500 - £2000 depending on the insurer. Normally Therapies such as treatment by registered Osteopaths, Chiropractors, Physiotherapists, etc will be covered up to variable specified limits.

Comprehensive

These typically include full inpatient cover, unlimited outpatient cover as described above, MRI, and CT scans and other benefits such as psychiatric cover, travel cover, dental cover, home nursing costs, chiropody, recuperative care and incidental hospital expenses (telephone calls, newspapers etc). For complete peace of mind this is the type of policy you should choose.

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