Howden Life & Health
Health Insurance
Provides you and your family with speedy access to the best specialists at top medical facilities
What is health insurance?
Health insurance is designed to cover the cost of private medical treatment. It will normally cover you for ‘acute conditions’, such as a hip replacement or having a hernia removed.
You can purchase different types of policies that offer different levels of cover, at different costs. This could include fast-track diagnostics for cancer or access to different cancer treatments not currently available on the NHS.
The benefits of health insurance
By having private healthcare, you could be seen and treated faster. You could have treatments or drugs that the NHS are unable to fund. You could also be treated in a private hospital with your own room. Plus, you are free to choose your doctor and hospital, within the limits of your policy.
Types of private medical insurance
There is a lot of different types of health insurance available to choose from, they include:
- Individual health insurance - Allows you to bypass NHS waiting times and receive treatment quickly If you become ill or injured.
- Family health insurance - Gives cover for any family members including your policy, making sure that treatment is received quickly should you require it.
- Child health insurance - Provides cover for your children giving peace of mind that their health care is protected.
- Joint health insurance - Offers health insurance for you and your partner, so you are assured treatment will be received promptly and at a choice of hospitals.
Health Insurance is there to cover non-routine tests and treatment
Each policy is different, but they do have some common procedures that will be included:
- Surgery as an inpatient or day patient
- Tests and scans
- Hospital accommodation and nursing care
- Consultations
- Therapy
- Diagnostics of chronic conditions
- Exclusive drugs
Health insurance is designed to treat you for acute conditions that start after your policy has begun, it however it is not to cover every health condition. Many chronic and pre-existing conditions (e.g., arthritis or asthma) are excluded as standard. As well as the following:
- Dental services (unless added to your plan)
- Organ transplant, Prescription drugs and dressings, after leaving the hospital or as an outpatient
- Drug abuse and Kidney dialysis
- Experimental or unproven treatment or drugs
- HIV/AIDS
- Cosmetic treatment and Normal pregnancy
- Mobility aids, such as wheelchairs
- Deliberately self-inflicted injuries
- Infertility
Why compare Health Insurance with Howden Life & Health?
Searching for the right health insurer can be stressful and here at Howden Life & Health, we want to help you make the complicated simple. Therefore, we have a selection of policies online that you can purchase by providing very basic information.
We also have a dedicated health insurance team of trained advisers, who are more than happy to walk you through the process and discuss your options with you. It is normally best for us to speak with the intended policyholder to make sure we obtain the most accurate information from you.
We have won the Health Insurance Advisor of the year for the past 2 years, based on the advice that we provide to our customers. So, you know that you can trust our advice.
Howden Life & Health will give you:
- Free impartial advice.
- A comparison of the leading health insurers in the UK.
- The peace of mind that you are in good hands.
- Free annual review of your policy.
With a pick 'n' mix policy you only pay for what you need
A lot of providers sell cheap, basic plans to which you can add extras such as outpatient cover and extra cancer care to suit your needs and budget. Decide why you need private medical insurance – to cover every eventuality or more specific medical conditions.
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