Financial Services > Protection > Medical Expenses


Private medical insurance is available in many forms. The cheapest provides a cash benefit if you need to stay in hospital and it can also provide money to help with the purchase of new dentures or spectacles. As the quality of cover rises the cost does too.

..............................................................................................................

An intermediate policy will meet the cost of private medical treatment and consultations up to a modest limit at a restricted range of hospitals. There is commonly a qualification to this to keep the cost down so the private medical expenses are only incurred if the NHS waiting list is greater than, say, 16 weeks. Some insurers also impose an annual excess.

At the other extreme policies are available which meet the cost of private treatment at any hospital anywhere in the world within very generous limits. These policies can also be extended to include comprehensive protection against the cost of dental care and optical work.

..............................................................................................................

The NHS continues to provide an excellent service in the event of a medical emergency, but it has not proved possible to maintain that same quality for less pressing problems. Medical expenses insurance is primarily designed to help you to afford the cost of jumping an NHS queue to restore your optimum quality of life more quickly than would be the case if you relied solely upon the NHS.