Private Health Cover

Do You Need Private Health Cover?

There are many people on the look out for private health cover. The question is whether you really need it or not. Some people have it “just in case” and for emergencies. You will need to consider the type of life that you lead, the cost of any treatment that you already receive and your current age.

Pre-Existing Conditions Exempt

The problem with many health cover providers is that the insurance is not for those with pre-existing conditions. You will only be able to use the cover to pay for any new conditions that arise and they cannot be part of another condition that you already have. However, there are some companies willing to cover pre-existing conditions in the future, which is something that you will need to look into and ask.

Covering Family Members

If you have a family, you may be looking for cover to extend to them. Not all companies are able to offer this but many will allow you to extend the cover to children under the age of 18; after that, they will need their own private health cover. While these companies may be more expensive, they may be beneficial if you have a sickly child. Some companies also offer a one-off maternity or adoption pay, which are worth looking into.

Risking Lifestyle

If you have an adventurous lifestyle, you may be more at risk of injury. This is when it is worth taking out the health cover to avoid having to pay out for your own medical bills. The companies will often tailor your payments on your lifestyle due to the higher risk of having to make a claim. If you have a lifestyle that is not a high risk, you could gain cover for your dental and optical work to help save some money.

It is worth looking into private health cover but it is up to you whether you really need it. Some people simply take out the basic cover for their optical and dental work while others will want to benefit from payments for spending time in hospital or as an out-patient.