Private Health Insurance

What Is Private Health Insurance?

Private health insurance covers the cost of private diagnostic tests and treatment for acute conditions that start after your policy begins. An ‘acute condition’ is a disease, illness, or injury that is likely to respond quickly to treatment, aiming to return you to the state of health you were in before suffering the disease, illness, or injury, or lead to your full recovery.

It can work alongside the services offered by the NHS and does not have to replace it.

There are different cover levels available to meet various needs and budgets, such as cover for out-patient treatment, how you access care, where treatment is provided, and your contribution towards the treatment cost (the excess).

With the NHS currently under considerable pressure and millions of people on waiting lists, more people are turning to private health insurance. However, comparing the various policies can be challenging. Vertu Health & Protection takes the time to understand your budget and needs, conduct market research, and recommend the most suitable policy for your circumstances.

Benefits of Private Health Insurance

Speed of access

Private health insurance allows you to avoid lengthy NHS waiting lists and gain quicker access to specialist consultations, diagnostic tests, and treatments.

Advanced treatment options

With private health insurance, you can gain access to advanced treatment options, such as cancer drugs that may not be available via the NHS.

Comfort

Private health insurance provides access to hotel-like facilities and services, including private accommodation, an ensuite bathroom, TV, and a greater choice of food. Additionally, there are fewer restrictions around visiting hours.