Private Medical Insurance

Health insurance which is also known as private medical insurance, is designed to ensure that if you need medical treatment in future, you won’t need to worry about NHS waiting lists or paying for the cost of the treatment.

How many times have either you, a loved one or friend had to wait for days, weeks or months to be treated by the NHS. Most of us have had some sort of personal experience of this. Medical Insurance is designed to take this concern away so that you or your family will not have to experience this personally if you have not done so already.

If you’re treated privately, health insurance will pay all or some of your bills depending on the level of cover you have on your plan.

It should get you diagnosed and treated quickly, as well as offer you a prompt referral to a consultant and admission to a private hospital at a time and place that is convenient for you. This means if you are busy at work and the condition is not life threatening you can request when to be treated.

With health insurance, you’ll have a choice of private hospital from an agreed list provided by your insurer – most hospitals offer a private en-suite room, TV and a choice of food, which you wouldn’t necessarily get as a normal patient. You often hear patients who have used private hospitals refer to their stay as being similar to staying in a hotel due to the available facilities, private rooms and the standard of food and refreshments offered.

In short, the main benefits of private health insurance are:

  1. Shorter waiting times for treatment on the NHS
  2. Better facilities
  3. Cleaner facilities with a lot lower chance of getting other infections such as MRSA
  4. Faster diagnosis
  5. Choose from a range of private facilities
  6. Choose a convenient time for appointments and treatments

What is/isn’t covered

Health insurance covers an array of things, including exclusive drugs, hospital stays, scans and surgical procedures. Some providers will now also offer Private GP consultations or GP video chats if you struggle to get appointments with your own GP.

Inpatient treatment is when you require a hospital bed, and is covered with all plans.

Outpatient treatment means you visiting external specialists or consultants, this can either be covered in full or have a limit to the cover such as £1,000 per person per policy year.

Other additional benefits include cover for therapies, mental health, dental and optical cashback and GP cover.

Things that are unlikely to be covered are any existing health issues, any chronic problems diagnosed before the plan started, A&E visits, drug abuse, organ transplants, normal pregnancy and non-essential cosmetic treatments.

Private Medical Insurance

Why use Prosper Protect?

Because of our Team

We have a dedicated team of qualified, specialist advisers, that give clear, expert advice and tailor your insurance to meet your specific individual protection needs.

For our Excellent Quality Service

We provide a professional, yet friendly service and prefer to work on a face-to-face basis from the comfort of your own home or from our meeting room located in our office. We are also available for phone or video call appointments, fitting flexibly around your busy life.

For Our Values

We use a ‘whole of market’ approach to using protection providers to ensure the most comprehensive cover is available to cover your needs. We are regulated by the Financial Conduct Authority and take pride in our business ethics of being a ‘client centred’ service.