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The UK health insurance sector offers many choices to the consumer. The consumer has the luxury to customize the insurance to their needs. This is seldom found in other countries.

However more choices can also mean more confusion when making a policy selection. What this means is that time needs to be spent to research the various products available and look at the new products being launched. To get the best out one needs to undertake this exercise or speak to an expert consultant on the subject.

Classification of Health Insurance Products and Services

Private health insurance companies offer products that can be broadly categorized into two categories namely:-

a) Standard Health Plan

b) Comprehensive Health Plan

a) Standard Health Plan

Under this plan, coverage includes:-

Basic hospital treatment
Emergency care
Inpatient and Out-patient Services
Online and Wellness Services
Diagnostic laboratory tests
Domiciliary nursing
Physiotherapy

Standard Health Plans are more reasonably priced in comparison to Comprehensive Health Plan.

b) Comprehensive Health Plan

It covers broad-spectrum healthcare services including tertiary healthcare. But costs involved are exorbitant. Policy coverage of each insurance product or service varies to a great extent.

Published on Jun 12, 2014
Last Updated on Jan 04, 2019

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Health insurance - (http://en.wikipedia.org/wiki/Health_insurance)

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