Individual Health Insurance Quote
An individual health insurance quote will reflect the cost of your personal access to private medical services. Depending on the level of cover you choose, you may have the opportunity to receive prompt care from private consultants, access to fast diagnostic tests and outpatient procedures, comfortable private hospital accommodations and the ability to use a 24 hour GP helpline. To find the benefits you want at an affordable price, request an individual health insurance quote from several of the top providers.
Private medical cover is not intended to replace the benefits you receive on National Health Service. Health insurance extends your medical care to include a wider range of privately funded physicians and facilities. If your employer does not provide health insurance as a benefit of employment, consider requesting an individual health insurance quote from a number of the leading insurance companies. As an individual, you have a number of levels of coverage to choose from, encompassing a variety of valuable benefits.
Individual Insurance Rates
When you request an individual health insurance quote, the quote you receive will reflect the details that you provide in your application. You will be asked to provide details about your age, health status, past medical history and habits such as smoking. You may be asked for your occupation and whether you have any dangerous pastimes, like rock climbing or SCUBA diving. A provider will use these risk factors to calculate your rates and determine your individual quote.
Because an individual policy covers only one person, rates may be higher than the cost of covering a group of people. A quote for a small or large business may be lower, per person, than a quote for an individual plan. Because the risk of insuring a group is spread out among a number of people rather than limited to one individual, rates are typically lower for company coverage. However, you may still find a cheap individual health insurance quote by shopping around and comparing your options online.
An insurer's underwriting position will affect the quote you receive. If a provider uses moratorium underwriting, you will not be asked to provide details about your health history; however, any medical conditions that you have received treatment for in the past several years may not be covered. If a provider uses medical underwriting, the company will take a closer look at the details of your health history and may exclude or restrict cover for certain pre existing conditions after reviewing your records.
You may get a lower individual health insurance quote if you select a policy with a limited hospital network. By agreeing to use a network that combines public and private facilities or by agreeing to see NHS consultants under certain circumstances, you may get a cheaper insurance quote. You may also lower the cost of your cover if you choose a plan that covers only specific services, such as private hospital treatment or long term disease management.
High Excess Policies
As with other types of insurance, you may minimise your premiums by increasing your excess. A high excess individual health insurance quote may be more affordable than a standard plan, especially if you are in good overall physical condition and require minimal care. With a high excess, or shared risk, plan, the member agrees to assume higher out of pocket costs for the services you receive in exchange for lower monthly premiums.
High excess plans often include access to more extensive networks and more flexible treatment options in specific circumstances. For instance, a high excess plan might cover a wide range of inpatient treatments, including surgery, diagnostic tests, private consultations or therapy, along with access to en suite hospital rooms. At the same time, outpatient services may be limited to basic benefits like specialist consultations, tests and simple procedures.
Defining Your Needs
When it comes to sourcing an affordable individual health insurance quote, you'll get the best deal if you take time to define your needs before you compare policies. If you rarely seek attention from a doctor outside of routine check ups with your GP, a high excess plan that covers you in the case of a serious illness or injury may be all you require. If you would like to add a comprehensive range of services to your current treatment plan, such as complementary medicine, physiotherapy and psychiatric services, a package policy may better suit your needs.
An individual health insurance quote can introduce you to the possibilities of this valuable financial project. Your quotation will reflect your personal factors, as well as the extent of the coverage you're looking for. One of the most effective ways to minimise your costs is to choose cover that's customised to your specific requirements. Features and benefits that you don't use will drive up the cost without providing any value.
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
