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Health insurance quote tips


As we get older, we might have increasing concerns about staying healthy and securing the health care we need – especially against the apparently increasing difficulties of the National Health Service (NHS) to cope.

In short, this is likely to result in a keen interest in all that a private health care plan may bring.

Given the wide range in the types of plan – and the equally wide range of prices you may need to pay – what is likely to go into your consideration of health insurance quotes?

Expert advice

  • there is a wide array of available plans with varying levels of cover, prices, product features like free ICD-10 lookup and exclusions. That is why seeking expert advice and guidance from a specialist might make all the difference in tailoring a policy to meet your particular needs and circumstances;”

Comparing cover

  • one of the starting points for comparing health insurance quotes is to remember that a private health care plan is unable to cover all of your medical needs or to replace the NHS in its entirety;
  • pre-existing illnesses and conditions, accidents and emergencies, and visits to your GP, for instance, are unlikely to be covered in a normal private health plan;
  • there may also be occasions when treatment under the NHS might be just as quick and effective as private care;

Levels of cover

  • any health insurance quotes you are given fall typically into two different levels of cover – full medical underwriting and moratorium underwriting, which each address the insurer’s concern to assess your current state of health;

Full medical underwriting

  • as the term suggests, this level of cover aims to provide the widest possible cover – available under the particular plan you are choosing;
  • your pre-existing medical conditions and illnesses are naturally an important consideration for any insurer offering full medical underwriting. You are therefore likely to be required to complete an exhaustive questionnaire about any conditions, surgery, or treatments you have recently received – say within the past five years, depending on the insurer;
  • based on the assessment of your current state of health, the insurer may then make decisions on any risks to be excluded and on the premiums which you may need to pay;

Moratorium underwriting

  • alternatively, you might go down a potentially quicker and simpler route by declaring your pre-existing conditions at the outset in order to “auto-exclude” these from the health insurance you are proposing;

Further cost cutting tips

  • the website Money Saving Expert suggests further ways of securing cheaper health insurance quotes;
  • these include limiting the range of private health facilities and hospitals from which you may choose, limiting your cover only to those occasions on which you really need to make use of it, and accepting a higher rate of excess on any claim you make.

Arranging health insurance is principally a question, of course, of identifying the policy that suits your pocket and offers the cover that meets your individual needs and circumstances. The quotes you receive are likely to reflect a particularly wide range and level of health plans, on which you might consider it prudent to secure the advice and guidance of experts in the provision of private medical insurance.

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