What is the Best Insurance Companies?
Insurance is a key part of keeping your family and your home safe. But just having insurance isn’t enough. You need insurance that is going to provide the services that you need. So, just which insurance companies are going to do just that? Let’s take a look.
Health Insurance Means Protection
The NHS can provide good coverage for some people, but it doesn’t give all the coverage needed. Not only that but getting in to see doctors, specialists, and others can be difficult with the NHS. If you’re wondering what is the best insurance companies then you should be taking a closer look at private insurance options.
We’ll take a look at 10 of the best so you can make sure you’re protected when you need it, and prepared for major and minor healthcare needs.
Premier PMI
Premier PMI is a top service where you can get health insurance for all family members including health insurance for older members, over 70, also for smokers, diabetes and much more. It offers fast access to treatment without having to wait for NHS waitlists. Not only that but Premier PMI has plenty of options in the way of private hospitals and consultants. Getting diagnostics and testing is much faster and there are plenty of other great benefits, even for those over the age of 50.
Aviva
With Aviva there’s unlimited outpatient benefits, lots of ways to customize coverage, and small claims don’t affect the no claims discount. There are also no upper age limits for new members, cancer has excellent level coverage and specialist referred therapies are included in coverage as well. There’s also plenty of options to upgrade coverage too. On the other hand, large claims can drop your no claims discount dramatically mental health conditions are not always covered well, and some outpatient limits can affect other benefits.
AXA
This is one of the most popular health insurance programs out there and offers unlimited specialist referred diagnostics, separate benefits for certain types of therapies and mental health treatment, coverage for specialist-referred oral surgeries, benefits for face-to-face GP consults, and more. However, all claims will have the same impact on your no claims discount, there are specific terms when it comes to recurring mental health conditions, product documents can be complicated, and anyone over 74 isn’t able to join.
Bupa
Bupa offers a range of different policy options that are available to people from all different age groups, while still ensuring quality. Not only that, but people can still sign up for this health insurance even after they’re 80 years old (not all insurance allows that). They offer health insurance coverage for mental health and cancer care and there’s even dental coverage. On the other hand, they outpatient allowance is the same for all types of treatment.
WPA
Customer service is always important, and with WPA you’re going to get some of the best customer service and you’ll get some highly flexible plans. Members can set their own limits for benefits and there is a wide range of access for different hospitals and private consultants, plus more flexible cash benefits and self-referral options. However, this plan can be a little more complicated and for those who are over 66 it can be difficult to sign up.
Vitality
Want something that’s going to reward you for making healthy choices and getting active? Then Vitality is a great way to go. You can choose combined or separate outpatient limits, and there’s even coverage for things like talking therapies, physio therapies, and weight loss surgeries. You can also get cash for prescriptions and minor test payments. However, this one does penalize you for lack of activity and recurring mental health conditions may not have the same coverage.
The Exeter
This is a great health insurance company for those who have pre-existing conditions or those who have more complex medical situations. The clarity you’ll get from all of their information as well as their underwriting system are top notch, with everything being easy to understand. Small claims don’t affect your no claims discount, you can separate outpatient benefits, and you’ll have easy access to specialists, but it’s not open for those over 80 and doesn’t offer cash back for fees to dentists or opticians.
Freedom Health Insurance
There are different categories of benefits including alternative therapies and mental health, that are all separate. There’s also a wide range of different access to hospitals and various consultants. Members get inpatient and day patient cover levels and there’s even a cash balance available for private GP consults. However, long-term mental health may not be covered, and if you’re looking for health insurance for over 70 you’ll be out of luck. Also, outpatient physiotherapy is part of the general outpatient limit.
Saga
Saga has a wide range of different specialists as well as limited exclusions, coverage for mental health, and even direct access service for some medical problems. There are also plenty of options to cut premiums and there’s no upper limit for members. But there is a lower age requirement, as members aren’t allowed under 50. Any claim will count against your no claims discount and any excess is deducted from your benefits allowance.
Setting Up Your Health Insurance
Getting health insurance is going to keep you better prepared for anything, whether you’re currently suffering from chronic conditions or just looking for a way to be prepared. With health insurance companies you can get the coverage you need and you can make sure you’re not paying more than you have to.
