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Medical Insurance provided By UK Insurance Companies
There are several reputed and popular insurance companies in the UK which offer a broad range of exclusive medical policies for the buyers, depending upon their requirements. Although the package and coverages provided by each of these companies might vary to a certain extent, the principle behind the medical insurances remains the same. Thus, it is imperative to understand the types of policies available in the market and their various benefits, before purchasing health insurance in the UK market.
The main two private health insurance plans that the UK market offers are listed below.
- Private health insurance plan- The primary aim of buying a private medical health insurance is to avoid the longer queues for treatment and the NHS waiting lists. As an individual health insurance holder, you will be covered for consultations with a specialist, tests, and surgeries. There may be lighter alterations in the extent of coverage although the core principle of private insurance would be similar through the majority of the providers.
- Expat insurance plan- While travel insurances are for those who go for shorter duration outside the United Kingdom, the expat provides coverage for those who are on an extended stay outside the country. Both provide international medical coverage to the buyers. The extent of coverage again may vary and is entirely to the discretion of the individualsavailing the plan and the company offering the different levels of cover.
There are other insurance policies such as health trust funds and cash plans, which provide the customers with sufficient coverage according to their requirements.
While each of the health insurance plans caters to a particular section of our medical needs, one can see slight variations in them depending upon the insurance companies. Each policy provider puts in their mandatory clauses and benefits.
Hence, as a person opting for any one of these medical insurances, it is up to them to choose wisely and purchase the one that can cater to all their needs.
The best way, therefore, to buy medical insurance policy, is to do a market survey and read the documents provided by the companies carefully to understand the clauses and benefits. Alternatively, you can also approach an insurance advisor or a consultant to make the purchase process easier and more straightforward.
About the Author:
Dean Ghavami is the Director of DataHealth Consultancy Ltd, which was founded back in 2000, and he has over 15 years of experience in the health insurance industry.
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