Type of Cover.
These schemes pay for the cost of medical treatment both as an in and out patient if you want private medical care.

The cover may include: consultants’ fees; surgeons’ and anaesthetists’ fees, nursing, private ambulance and room charges.

Policy Details.
Some policies will provide a cash payment if NHS treatment is received. The cost is based on age, the number of family members requiring cover and the hospital band required.

Hospital bands depend on the area and the facilities available: for example central London hospitals are the most highly graded.

Options.
Some insurers are able to provide cheaper cover through policy exclusions such as no outpatient cover, and if the treatment can be received from the NHS within six weeks.

You can also choose to pay an excess in order to keep the costs down. Premiums are reviewed annually and increase with age and overall claims experience.

Many insurers do not seek medical evidence on new applicants. They simply impose a moratorium that they will not cover any treatment arising from a pre-existing condition for a certain time period.

There is no tax on the benefits.

Broking Contacts:

Andrew Thacker

Broker – Executive Director

athacker@chesterfieldgroup.co.uk

+44 (0)20 7481 1683

Roshan Choolhun

Broker – Assistant Director

rchoolhun@chesterfieldgroup.co.uk