A wide range of mainstream providers offer health insurance in the UK. The biggest health insurance provider in the UK is BUPA and AXA PPP. Other providers are Standard Life, health On Line, Aviva, Groupama and BCWA.
The purpose of health insurance is to offer fast medical care for urgent conditions. Urgent means something that can be treated. It is not built for recurrent long term treatment or chronic illness. Also there are definite conditions that are not covered. It depends on the provider. Here in this article below we provided you with the needed information on the issues.
For instance, preliminary conditions prior to your purchase of the insurance, unrecoverable conditions, expected conditions natural side effects of ageing or puberty, deafness, allergies, vaccinations preventative screening, some NHS primary care services: accident & emergency admission, GP services, chiropody & foot care, dental treatment, some drugs: NHS prescriptions, experimental treatment drugs, outpatient drugs and care abroad: reproductive care, non-emergency treatment abroad, for regular pregnancies (female policyholders only), infertility treatment and fertility treatment, abortion: (female policyholders only), serious conditions: HIV and AIDS, kidney dialysis, organ transplant, learning difficulties & behavioural problems, choice treatments: cosmetic surgery and dentistry, gender transition, weight-loss surgery, ‘avoidable’ conditions: self-inflicted injuries, drug, including alcohol, abuse extreme risk and injuries got in war, engaging in a hazardous hobby, sport or occupation.
Considering that you can most of these are rather general concepts taking into consideration things that health provider will not cover. The main area of the preliminary existing conditions is defined in the insurance. You will need to fill in a medical declaration on application if your policy is FMU. Then you pass this to the underwriter of the insurance company who takes decisions on any exceptions on your policy based on the submitted by you information. If you have got a moratorium policy, then commonly conditions that you had, for instance treatment, medication, symptom or advice in the previous 5 years will not be covered for the first 2 years of the policy. After that period of time it can become authorised for treatment as long as you stay free of any issues during this consecutive period of 2 years.
In the UK health insurance is gaining popularity and statistic shows an increasing market. The insurers are fighting for keeping the costs under the supervision and try to make the supervision as cost effective as possible for everyone. It is recommended to talk to a specialist advisor if you are looking for health insurance for the first time or would like to change for better one. Do not think you will be wasting your time, consulting with the specialist. It may be very useful. In such a way you will get the best advice concerning your health insurance needs.
In this era knowledge is becoming more and more important, especially when it is about making an important choice like choosing united health care insurance.
It is not smart to choose any sort of health plans, before you have done your due diligence on it. On this united health care insurance site we are proud to give the pros and cons of united health care insurance and other plans, so that everyone gets a real chance to make a choice of its own.
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