Good value private health insurance

WoodN

I completed an online questionnaire to get quotes and am now being inundated by health care companies calling me to try and sell me their products. Each is equally convincing but wanted to know what people here recommend for a good value policy?

I'm 33 years old and am in good health but want to avoid NHS waiting lists and substandard service in the event that I need medical care.

Any ideas / recommendations / good providers etc?

forgotmyname

Price/Cover/Policy Claim Limits/ Excess..

One thing i wondered, If i was unconcious how would they know i was a private patient?

Dont be tempted by free gifts. Read the policy documents carefully.

No good paying for one that excludes any cover for sports injuries if you play sports every evening.

weighty1_2

Speak to a specialist PMI broker.
I am authorised to offer advise on PMI policies, however, I choose not to because it is a pretty specialist area and each provider has different nuances and caveats which can make their plans sound great but an absolute nightmare at the point of claim, or at renewal after a claim.

SueMaggie

forgotmyname wrote: »

One thing i wondered, If i was unconcious how would they know i was a private patient?

They wouldn't. Private hospitals don't have A&E departments so in the event of an accident or sudden grave illness you'd be taken to an NHS hospital for treatment.

If you're going to need ongoing treatment you can ask your insurers if you can be transferred to a private hospital or a private ward, but whether they agree to this depends on a number of factors.