Just because the United Kingdom has the NHS doesn't mean that all health services are free. Unfortunately, there are thousands that have to pay for independent health insurance to help cover the costs of dental visits, optical care and even days in the hospital.
Different levels of care BUPA offers private health insurance for individuals and families alike. There are different levels to suit all budgets and also help to get private medical care without spending a fortune. BUPA offers plans that extend to the private cover and access to needed treatment quickly, which helps to beat the NHS waiting times. Focusing on main areas BUPA understands that not everybody has the same illness, but that there are two that are the most common and life-threatening. Heart problems and cancer care can be covered under their own plan, which means that you can get the help that you need quickly. Downsides BUPA is not the best option when it comes to dental and optical care. It is geared more towards health problems that need hospital care.
Focusing on common costs Most people will find that they have to have dental checks and optical care more than any other types, which is why Simply Health focuses on those areas. There are different levels of cover and with each, the amount that you can claim back from these costs each year goes up. Helping with hospital costs When in hospital, it can be difficult to make ends meet, which is why there is a hospital benefit. There are separate ones for those visiting as day patients and those requiring a hospital stay. Simply Health only covers costs and doesn't help you get the treatment that you need. For all the family While you need to be over 18 to take out a Simply Health policy, you can add children onto your plan. It's possible to take out a single plan for up to four children or you can add on your partner and up to four children.
Covering your normal costs Like Simply Health, AXA covers the normal costs that you will face, including dental and optical costs. There are a range of plans and each will dictate how much you can claim back each year. Covering European costs A major benefit to AXA is that you can claim back your expenses for travelling to Europe. There are some limitations to this so you need to watch out for them. Separate plans for children You can get individual health cover for your children if you wish or you can add them onto your existing policy.