Health cover – Looking at the types

It is vital to realise, however, that health cover and private health insurance policies come in a variety of different forms and it is crucial that you choose a health cover plan that is right for you and your family. The benefit of having the right health cover policy or private health insurance plan is that it will keep you safe in the knowledge that you will have immediate access to treatment should you so require it and this is particularly important for self employed individuals are those with families to support. Health cover policies will tend to ensure that when treatment is required that policy holders will have access to top end facilities and treatment that wouldn’t otherwise be available. The popularity of private health insurance and health cover is growing all the time and more and more employers are beginning to include it as part of their employee benefits packages as many experts point to the advantages of companies offering their workforce subsidised or free private health cover.

Health Cover – Finding the Right Plan for You

Generally speaking, health cover and private health insurance can be broken down into a number of different varieties. Just some of the health cover plans that are worth considering include:

• Co-Payment Plans – A co-payment health cover plan essentially manage to keep premiums fairly low as discussions are undertaken to only pay a certain percentage of any claims that you make. This type of health cover is most beneficial for those who don’t anticipate health problems but still want the peace of mind that comes from having a comprehensive health cover plan. Obviously, the higher the percentage of medical claims you are willing to cover, the lower your health cover premiums will be.
• Cash Cover Plans – This type of health cover plan tends to be the most inexpensive but it is important to ensure that it provides all the types of cover that you require. This type of health cover tends to be characterised by providers paying a lump sum each time you make a hospital, dentist etc visit but are unlikely to cover operations in private hospitals. Speak to expert health cover providers to find out exactly what is and isn’t covered.
• Comprehensive Cover – When it comes to health cover and private health insurance, if it’s total peace of mind that you’re after, then a comprehensive health cover plan is invariably the route to go. Such plans will cover the costs in medical emergencies and will provide a superior standard of facilities and treatment.

Looking for Health Cover? Speak to Right to Health

Right to Health is a leading UK health insurance intermediary, helping individuals and corporations find the best private health insurance cover. With access to the UK’s top health insurance companies, Right to Health has advised thousands of clients and can help you to get great health coverage for a competitive premium. Right to Health is authorised and regulated by the Financial Services Authority, which means that you can be confident that the recommendations you are given really are in your best interests. To find out more or to get a review of your current health insurance, call 08000 753 999 or click the Free Online Quote button at the top of the page.