Free Health Insurance Quote
Obtaining a free health insurance quote for the various levels of cover can help you determine how much private care you can afford. Private medical coverage was once considered to be reserved for the very wealthy. These days, a free health insurance quote will tell you that you can find basic private health insurance policies for just a few pounds per month.
Private medical insurance, or PMI, was not designed to replace the services you receive under the National Health Service, or NHS. As a taxpayer, you are entitled to the free health care you receive, and NHS is one of the most comprehensive public medical services in the world. PMI complements free NHS services, giving you the opportunity to receive prompt, thorough attention from a wider range of providers, along with access to private facilities and alternative forms of medical care.
Covered Health Conditions
A group health insurance estimate can be a valuable tool in your search for an affordable policy. As you gather estimates from each of the top providers, compare the scope of benefits that each product offers. To ensure that you receive the maximum value from a policy, evaluate the services provided and the covered health conditions before you sign a contract.
As a complement to your free NHS benefits, PMI can expand your choices by giving you access to private physicians and facilities and a wider range of diagnostic services. However, a free health insurance quote may also reveal that certain conditions are not covered. Because exclusions differ from one insurance provider to another, you cannot assume that one quote reflects the same range of options as a quote from another company.
Pre-existing, incurable and expected conditions are excluded from many insurance policies. A policy may exclude treatment for allergies, reproductive services, preventive screening and vaccination. Primary services that are provided for free by NHS -- including emergency treatment and GP care -- typically are not covered under a free health insurance quote.
A free health insurance quote may not include dental treatment, foot care, alcohol or drug rehabilitation, behavioural services or therapy for learning disabilities. When you request a quote, however, you may find that these services are included in more extensive insurance policies. Most providers offer at least three levels of cover, ranging in cost from the most standard free quote to a quote for completely comprehensive services.
Most of the basic PMI policies include fees for physicians, inpatient hospital accommodations, certain diagnostic tests and access to a 24 hour helpline for medical questions. You will find that you'll have shorter wait lists, increased access to private services and a wider range of options when it comes to choosing specialists and facilities. Moreover, you will still have access to all of your free NHS services, even if you carry PMI.
Comprehensive Health Insurance Quote
When you search for a free health insurance quote, it pays to compare quotes on the cost of multiple levels of private care. As the industry grows increasingly competitive, you'll find that you have a seemingly limitless range of choices, all at varying costs. The most costly level of cover may be marketed as a "Gold" or "Platinum" plan.
A free health insurance quote for these comprehensive products reflect the cost of access to private rooms in inpatient facilities, a nearly unlimited range of specialists, complementary therapies and experimental treatments for the early stages of cancer. Certain policies even cover treatment abroad. Platinum or gold policies are best suited for individuals who intend to utilise their cover on a routine basis or who have a complicated medical history. Consumers who buy these top-of-the-range products must also have the financial resources available to pay higher premiums.
Quotes for Limited Coverage
Products that offer a limited range of services are available at smaller prices. These policies provide access to physicians, diagnostic exams, minor surgeries and inpatient hospital accommodations. With the most basic plans, extra options such as 24-hour helplines are not included, and patients may be required to utilise NHS hospitals for inpatient accommodations. Limited and intermediary policies give you and your family access to faster treatment and a more extensive array of services at very affordable premiums.
With shared risk policies, the policyholder assumes a percentage of the costs. Shared risk products include a high excess, ranging between 1,000 and 5,000 pounds. In addition, you must pay between 25 percent and 75 percent of the costs of physicians fees, diagnostic services or surgeries. Once you've evaluated a free health insurance quote from several of the leading insurers, you'll be better equipped to make an informed decision about the type of cover that meets your family's needs. Use the features on our site to compare quotes from trusted PMI providers with no obligation.
We saved a lot of time looking for quotes by using this site, and since we could compare lots of quotes at once, we saved money too. 
Ethan and Amelia T, Wales UK
