What isn’t covered?
Usually pre-existing conditions and chronic conditions Can I change insurance company?
If you are currently insured you can switch to most group schemes and still retain cover for conditions that are covered by your existing insurer. Each year Best Health will review your healthcare needs and suggest the best option. Why do I need Medical Insurance?
The NHS is acknowledged as one of the best providers of medical care in the world, especially for accidents, emergencies and life threatening illnesses. Unfortunately there are long waiting lists for many conditions and the NHS finds it difficult to offer priority treatment for everyone. Medical insurance helps people by providing rapid access to top quality care. Am I covered for medical problems I have had in the past?
Any condition you have suffered in the two years prior to taking out your policy will automatically be covered once you have been clear of this condition for two consecutive years after taking out your policy. Alternatively, you can complete a health questionnaire so that your policy can be individually underwritten. Existing conditions will then be taken into consideration and will be excluded. Do I really need cover for "non-Urgent" or "low-priority" conditions?
"Low-Priority" definitely does not mean "not serious". You could wait up to two years for a triple bypass for example, or for a hip replacement or the removal of impacted wisdom teeth. Waiting can be worrying and painful and prevent you from leading a normal fulfilling life. Maybe it would even prevent you from earning your living! How long are NHS waiting lists in this country?
According to the department of Health, in March 1999 (the latest statistics at this time), over 1.2 million people were on NHS waiting lists. Many more are not yet on the waiting lists because they are waiting to see a consultant! Best Health uk provides rapid access to consultants, diagnostic tests and private hospital treatment should you need it. Who can be covered?
Anyone resident in the UK. If you are resident elsewhere, we can arrange suitable cover. Will my premiums ever increase?
Your medical insurance premiums will increase as you move into each age band. But few companies increase premiums in relation to the number of claims you make. They may also increase generally if new procedures are added or if medical costs or Insurance Premium Tax increase. Whatever happens you will always get plenty of notice.
Am I under any obligation by applying?
No. You have 14 days in which to review your policy and only then do you decide if the plan is right for you. If you decide it isn’t, you simply cancel and you won’t owe a penny. Will I need a medical or Doctor’s report?
Cover is easy to arrange you do not need to have a medical examination and there is no need for a doctor’s report. All you have to do is complete the application and acceptance form. Are there any exclusion?
Only pre-existing & chronic conditions and whatever the plan chosen excludes which will highlight to you. Can I contact someone if I have a query?
Yes. Please call Best Health on 0800 073 0582 Lines are open 9am to 5pm Monday to Friday but you can leave a message outside of these hours. Helpful, Friendly and experienced staff will be only too pleased to answer any questions you may have and to help in any way possible.
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