Apart from the services offered by the NHS in UK, several private health insurance programmes are also available. These schemes are particularly useful for persons who are not eligible for the NHS plans due to either higher income or other eligibility conditions. These health insurance policies cover the following items.

• Access to all the private hospitals in the United Kingdom, whenever you need them

• Access to private rooms or suites with individual direct dial phone, radio and TV

• Access to all chemotherapy drugs, for example, Herceptin

• Payment of 50 British pounds for each night that you spend in any hospital under NHS and receive free treatment

• Access to all types of diagnostic scans like CT scans, MRI scans and PET scans

• Provision for private ambulance, if needed

Normally, the above policies will include all fresh diseases, ailments and disorders but will exclude any pre-existing conditions, for the first few years, depending on the type of healthcare insurance policies. Most of the health insurance companies require the premiums to be paid on a monthly basis, whilst certain schemes might allow quarterly, half-yearly or annual premiums.

All the policies generally cover both in-patient and out-patient treatments, including hospital charges, diagnostic tests costs, fess of consultants and specialists, radiotherapy, chemotherapy, surgical procedures, physiotherapy, other types therapies and prescription of drugs including cancer drugs. However, most of the insurance schemes will exclude psychiatric treatment.

To get more details on the NHS schemes and private healthcare insurance policies to protect you from high medical costs, talk to our specialists. We will be able to guide you completely on all the intricacies of healthcare in UK.