Not yet registered? Create a OverBlog!

Create my blog

A guide to choosing private health care companies

There are several private health care companies that offer different quotes and different levels of cover. It can be hard to find your way around insurance and this is why, this article will provide some tips on what to look for when choosing private health care companies.

Looking at hospital cover

First, think about how much cover you will need. Most insurance starts with basic hospital cover where you can use a private hospital or a private room in a public hospital. If you want to use private hospitals, you will need to check the different schemes on offer. Some insurances will cover operation costs, but only a percentage of the cost of overnight stays. This can become very costly for you if you need to stay in hospital for a week. Check the cover Some people think that private health insurance covers everything and that one's insurance policies and premium are related. The lower the cost, the less you will be covered for. For instance, operation costs may be covered, but outpatients' and consultants' fees are not. You may have to pay extra for day surgery or treatment in a hospital that is not approved by your health care company. Day-to-day expenses Once you have decided on the level of hospital cover that you require, consider whether you also need day-to-day expenses cover. Day-to-day expenses include GP visits, physiotherapy or visits to casualty. The higher insurance covers these extras, but a basic scheme will not.

Waiting periods and extras

Be aware of company waiting periods. When you first take out health insurance, many companies will have an initial waiting period during which you cannot make a claim. The older you are, the longer the initial period is likely to be. One company has a period of 26 weeks for those who are under 55, but it raises to 52 weeks for people between 55 to 64 years old, and 104 weeks for the over 65. The waiting periods also get longer for any pre-existing conditions. Therefore, you really need to check when the company will pay out before taking out cover. Check the extras Double check any extras that you may need like dental care or maternity cover. You may not think that you need them now, but you should check them out for which cover they may give you, should you need them in the future.

Same category articles Health & wellbeing

St. Joseph's Medical Center: The facts

St. Joseph's Medical Center: The facts

Good health is not usually thought about until the body begins to fail, either mentally or physically. It is at these times that people seek to find a place which has a good reputation. They need a hospital care centre which gives them some assurance that what they have is treatable - the best place to have it taken care of.
How to get your cholesterol test results

How to get your cholesterol test results

It is necessary to know the different types of cholesterol for interpreting the blood test results of cholesterol. Cholesterol testing is confusing for anyone who does not know anything about HDL LDL cholesterol. Cholesterol readings quantitatively measure your heart’s condition. In this article, find out how to get your cholesterol test results.
The types of lower back exercise

The types of lower back exercise

There are a number of ways to strengthen the lower back and most of these workouts target the lumbar region or the erector spinae muscle. Some exercise programmes require equipment and some require only the participants body weight. This article will offer some back exercises categorised into the different equipment needed in order to perform them.
How to get a colonic cleansing

How to get a colonic cleansing

Colonic cleansing, also known as colonic irrigation or colonic hydrotherapy is becoming a popular treatment in the UK and beyond. Despite this, many people are unsure about the treatment and don't like the idea of having it done. Let's discover what the benefits of colonic cleansing are, how the procedure is done and how to find your nearest colonic hydro-therapist.