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Access Financial Services
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We believe in your dreams like they are our own. We will be with you on every step of your journey.

What is private medical insurance?

Private medical insurance, in simple terms, is a policy where regular payments can be used to cover any medical treatment you may need in the future, whenever and wherever you need it – including that potentially life-saving quicker diagnosis.

Private medical insurance helps you forgo long waiting times for appointments, treatment and operations, saving you from discomfort and prolonged illness or injury. Hospital facilities are generally better with private health care, meaning you will be comfortable during a challenging time. In many cases, you will also have a choice around the time, date and place of any appointments, meaning your treatment or check-ups can fit around your life. Private medical insurance gives you not only peace of mind, but also a level of control over your health.

Another benefit is that policies don’t need to be fixed – you can increase or decrease your cover and premium depending on your needs.

However, it is important to remember that not everything will be covered by private medical insurance – visits to Accident & Emergency, cosmetic surgery and even pregnancy generally aren’t covered. Plus, some lower-cost policies won’t cover existing medical conditions immediately.

Deciding on your private medical insurance can depend on a variety of factors. Needing family cover rather than individual policy, cover for travelling abroad and even your age can contribute to higher premiums. This can be worth it for the knowledge that if anything were to happen, both you and your family would have any necessary treatment covered.

It is clear that there is a lot to consider with private health insurance. At Access Financial Services, our years of experience will help you to make the right decision with detailed information, the best prices on the market and a customer hotline you can call at any time for extra information.

Speak to an expert on 0800 999 3939

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