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How does private health insurance work?

Private health insurance is similar to other types of insurance. You pay a monthly or yearly fee called a premium.


Getting Referred

If you have a health issue, see your GP and let them know about your private cover. They may refer you to a specialist, and you might choose private hospitals or specialists not offered by the NHS.


Informing Your Insurer

Tell your insurer you want to make a claim. They'll check if your policy covers the treatment you need. If it does, your claim gets approved.


Cost Coverage

Your GP will book your appointment, and your insurance covers the cost if your policy is active. You might pay an excess depending on your policy.

As insurance brokers, Moneyrepubcli carefully compare quotes from leading providers to create the perfect comprehensive health insurance plans for our clients. This ensures not only protection for your health but also smart financial choices. Our goal is to make comprehensive health insurance easy to understand, giving you confidence in your coverage.

What is a comprehensive health insurance policy?

Comprehensive health insurance encompasses private medical care for a range of health issues. It covers both inpatient and outpatient treatments, ensuring a holistic approach to healthcare. Additionally, aftercare services such as physiotherapy and mental health support are included, offering comprehensive support beyond initial treatment. With this type of insurance, individuals have access to a wider array of healthcare options, often leading to faster diagnosis and treatment. By opting for comprehensive health insurance, individuals can take proactive steps towards maintaining their health and well-being.

What does comprehensive health insurance cover?

At Moneyrepublic, we understand that choosing the right health insurance policy can be daunting. That's why we're here to break down what comprehensive coverage entails.

When it comes to health insurance, there are typically three levels of coverage: basic, medium, and comprehensive plans. While basic plans offer limited coverage, and medium plans offer a bit more, comprehensive plans are the most extensive and inclusive.

Here's what you can expect from a comprehensive health insurance plan:

  • Cancer treatments: Comprehensive plans often cover various cancer treatments, including chemotherapy, radiotherapy, and surgery.
  • Access to specialists: You'll have access to a wide network of specialists, ensuring you receive the best possible care for your specific health needs.
  • Private hospitals: Comprehensive plans may allow you to receive treatment in private hospitals, offering shorter wait times and a more comfortable environment.
  • Dental and optical care: Many comprehensive plans include coverage for dental check-ups, cleanings, and treatments, as well as optical services such as eye exams and prescription glasses.
  • Physiotherapy: If you require physiotherapy following an injury or surgery, comprehensive plans often cover these sessions to help you regain mobility and strength.
  • Mental health treatment: Mental health support is a crucial aspect of comprehensive coverage, encompassing therapy sessions, counseling, and psychiatric care.
  • Home nursing: In the event that you require nursing care at home, comprehensive plans may cover the costs associated with home nursing services.
  • Alternative therapies: Some comprehensive plans extend coverage to alternative therapies such as acupuncture, chiropractic care, and osteopathy.

At Moneyrepublic, we're dedicated to helping you find the right insurance solution to meet your needs and budget.

What's excluded from coverage?

It's essential to understand what may not be included. Here are some common exclusions:

  • Alcohol and substance abuse treatments
  • Coverage for pre-existing conditions
  • Routine pregnancy expenses
  • Kidney dialysis
  • HIV/AIDS-related care
  • Cosmetic surgery
  • Fertility treatment
  • Provision of mobility aids
  • Coverage for self-inflicted injuries

Exclusions can vary between policies and providers, so it's crucial to review the terms and conditions of your policy carefully. At Moneyrepublic, we're here to help you navigate your insurance options effectively.

How much does comprehensive health insurance cost?

The cost of comprehensive health insurance varies based on several factors, including age, medical history, lifestyle, location, and the level of coverage you choose.

Factors influencing the cost:

  • Age: Generally, younger individuals may enjoy lower premiums compared to older ones.
  • Medical history: Pre-existing conditions or a history of illnesses may impact the cost of your premium.
  • Lifestyle: Certain lifestyle factors, such as smoking or engaging in high-risk activities, may result in higher premiums.
  • Location: The cost of healthcare and medical services can vary depending on where you live.
  • Coverage level: Comprehensive plans offer extensive coverage but may come with higher premiums compared to basic or mid-range plans.
  • Excess: Adjusting the excess amount—the portion you pay towards a claim—can affect your premium.
  • Hospital access: Opting for restricted hospital networks may reduce costs.
  • NHS treatment: Agreeing to receive NHS treatment for certain procedures may lower premiums.
  • Outpatient cap: Limiting the coverage for outpatient treatments can help reduce costs.

Is comprehensive health insurance better than the NHS?

Comprehensive health insurance offers several advantages over the NHS. With private coverage, individuals have access to a wider range of tests and treatments, often with reduced waiting times. Moreover, private rooms and amenities enhance comfort during hospital stays. Most importantly, individuals have greater control over when and where they receive treatment, providing flexibility and convenience. These benefits make comprehensive health insurance, a compelling option for those seeking enhanced healthcare experiences.

Can I cover my partner when I buy comprehensive health insurance?

You can choose to cover just yourself with an individual policy, or opt for a joint policy to include your partner. Alternatively, there are family policies available to cover the entire household, or child policies specifically designed for children. At Moneyrepublic, we understand the importance of flexibility in insurance options, ensuring you can select the policy that best meets your family's needs and preferences.

What are the benefits of fully comprehensive health insurance?

Here are some key benefits of comprehensive medical insurance:

  • Skipping NHS waiting lists: With comprehensive coverage, you can avoid long NHS waiting times and access medical care promptly.
  • Access to private healthcare: Comprehensive plans provide quick access to private healthcare services for personalized treatment.
  • Peace of mind: Having comprehensive insurance assures you that your medical needs are covered, giving peace of mind for unforeseen situations.
  • Additional benefits: Comprehensive plans often include extras like virtual GP consultations, offering convenience for accessing healthcare.

When deciding on comprehensive health insurance, consider your needs and budget. Assess your healthcare requirements, finances, and comfort with NHS services to make the right choice. At Moneyrepublic, we're here to assist you in finding the best insurance tailored to your needs.

What are the benefits of fully comprehensive health insurance?

Looking to lower your comprehensive health insurance premiums? Here are some effective strategies:

Adding an excess

Opting for a higher excess means you'll pay more towards the cost of any claim, but it can significantly reduce your monthly premium.

Limiting outpatient cover:

Consider limiting coverage for outpatient treatments and consultations. This can help lower your premiums while still ensuring essential inpatient care.

Choosing the 6-week wait option

Selecting the 6-week wait option means you'll use the NHS for any treatments available within 6 weeks, reducing the cost of your premium.

Full Medical underwriting

This involves disclosing your full medical history, which can help tailor your policy and potentially reduce premiums.

Moratorium underwriting

With this option, pre-existing conditions aren't covered initially, but coverage may be considered after a certain period, typically two years.

By implementing these strategies, you can effectively manage your health insurance costs without compromising on essential coverage. At MoneyRepublic, we're committed to helping you find the right balance between comprehensive coverage and affordability.


What is fully comprehensive health insurance?

Fully comprehensive health insurance is the highest level of health insurance coverage, encompassing a wide range of medical treatments, from outpatient care to alternative therapies.

What is the best private healthcare in the UK?

The best private healthcare depends on individual needs, but comprehensive health insurance plans offer access to top private hospitals and clinics.

What's the difference between comprehensive and basic health insurance plans?

Comprehensive plans offer more extensive coverage, including outpatient services, mental health support, and alternative therapies, unlike basic plans that cover essential treatments only.

What is comprehensive health insurance coverage?

Comprehensive health insurance coverage is an extensive form of health insurance that provides a broad range of medical benefits and services, beyond what basic health insurance plans typically offer. It's designed to ensure that individuals have access to a wide array of healthcare services, covering both routine and unexpected medical needs.