An Update on UK Health Insurance

A wide array and mind-boggling variety of insurance products and services are available across United Kingdom. The same holds true for health-insurance products and services being offered to consumers across UK.

A prospective customer can be baffled and totally confused regarding the various healthcare insurance products and services being offered in UK. For an ordinary citizen of UK, grasping the differences between different insurance brands can be unnerving when accompanied with an inability to purchase insurance cover suited to an individual’s requirements. This is an outstanding issue that needs to be addressed by the citizens of UK.

Classification of Health Insurance Products and Services

Private health insurance companies offer products that can be broadly categorized into two categories namely:-

a) Standard Health Plan

b) Comprehensive Health Plan

a) Standard Health Plan

Under this plan, coverage includes:-

• Basic hospital treatment

• Emergency care

• Inpatient and Out-patient Services

• Online and Wellness Services

• Diagnostic laboratory tests

• Domiciliary nursing

• Physiotherapy

Standard Health Plans are more reasonably priced in comparison to Comprehensive Health Plan.

b) Comprehensive Health Plan

It covers broad-spectrum healthcare services including tertiary healthcare. But costs involved are exorbitant. Policy coverage of each insurance product or service varies to a great extent.

Source: An Update on UK Health Insurance