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Which plan is right for me?

UK and Worldwide Medical Insurance

Thinking of retiring or working abroad, then you may need medical insurance for the country you intend to reside within. Chase Templeton offers advice and free consultations on an array of medical insurance plans suitable for persons living within the UK and most countries throughout the world, so if you are thinking of moving in the near future, one of our Private Healthcare specialists could help you.

Traditional comprehensive private medical insurance

Comprehensive medical insurance plans typically cover your In-Patient and Out-Patient treatment costs and can provide a number of additional benefits such as Worldwide cover, Therapy cover, Psychiatric treatment to name but a few. If you want bells and whistles; a private medical insurance plan that will cover nearly everything that you may need, then traditional comprehensive cover is the plan for you. You should be aware though, this comes at a premium and comprehensive plans are the most expensive medical insurance plans available

Mid-range private medical insurance

A mid–range private medical insurance plan will still provide you with the majority of the healthcare protection you may need, but either has a limit on the monetary amount you can claim or some of the periphery benefits have been removed. You may still have full cover for all the bills whilst you are in hospital, but some of the follow-on or pre-admission benefits may have restrictions. In today’s market many people find that this type of Private Medical Insurance plan suits them best. Health insurance protection when you need it without paying the earth for it.

Budget private medical insurance plans

Budget private medical insurance plans are designed to cover your stay in hospital only. These cover the large bills that usually complement a stay in hospital and for all other treatment, you could choose to pay for your own treatment or use the NHS. Budget plans are very popular for those who want the reassurance of private health care and protection when it is needed, but without the cost.

Specialist Health Insurance for Cancer and Heart conditions

Cancer and Heart conditions are typically the largest concerns most people have. Whilst the majority of Private Medical Insurance plans may offer Cancer and Heart care, the cost of traditional private healthcare can be out of many peoples' budgets. There are affordable plans available that can cover the cost of a limited range of benefits and in particular, specialist private healthcare for Cancer and Heart conditions.

High Excess Private Medical Insurance Plans

There are a high number of medical insurance plans available that can offer excess levels from £500 to £5000 and by choosing a higher excess on you medical insurance, you could save up to 80% on typical premiums by sharing the burden of any costs you may incur. People who have high excess plans medical insurance are usually healthy people who are unlikely to claim or those with savings available in the event of a claim. High excess medical insurance plans offer you the opportunity to pay smaller insurance premiums and the opportunity to save money, and still have the reassurance of comprehensive cover when it is needed most.

Medical Insurance with a No Claims Discount

There are a number of ways in which you can save money on your Medical Insurance premiums; one option is to select a plan with a No Claims Discount. Much like you have with your car insurance, the longer you go without a claim on your medical insurance, the higher your discount will be. Likewise, if you do need to claim, your medical insurance premiums will increase as you loose your discount. For fit healthy persons, a No Claims Discount is a great way to save money long term on your Private Healthcare whilst still retaining the reassurance that medical insurance offers.

Health Insurance that rewards those who choose to live a healthy lifestyle

A recent innovation within the Private Healthcare market is a plan that rewards individuals who lead a healthy and active lifestyle. By offering such incentives as discounts from the UK’s leading health clubs and gymnasiums, health screens, an interactive web facility with lifestyle, stress and diet tips and fact sheets. Substantial rewards on your Private Healthcare can be gained for those who lead a healthy lifestyle and wish to see this reflected in their medical insurance premiums

Health Insurance for sole traders and the self-employed

If you’re self employed, buying health insurance is absolutely essential. A minor condition could prevent you working for months if you have to wait for the NHS to provide treatment. Having Private Medical Insurance on the other hand could mean that treatment is immediate. Private healthcare could get you well and back to work before the first consultation by the NHS. Some Health Insurance providers segregate the self employed person as their experience is that they typically don’t claim on their Private Healthcare as much as an individual would, so there are Medical Insurance plans particularly tailored towards the self-employed person where they can enjoy substantial discounts.

On-line Purchase of your private medical insurance

A number of private medical insurance companies provide discounts of up to 10% if you buy and administer your private health care policy on-line. The health insurance companies that offer this facility are available through the Chase Templeton website and you can still enjoy the benefits of independent advice, and save money on your medical insurance premiums.

Self pay and Co – Pay private health care

More and more people are paying their own way for their health care in the UK when they do not wish to rely on the NHS; the health tourist is increasing year on year. There are plans available that can limit your liability to excessive bills either by sharing the cost of your private health care treatment or by offering a stop loss insurance to limit your liability. These low cost plans can offer a competitive alternative to traditional medical insurance for those with savings set aside.

Age fixing private medical insurance plans

The majority of private medical insurance companies charge premiums for their plans depending on your age, and the older you get, the more you will pay. To coin a phrase, age fixed plans do exactly what it says on the tin. They fix your age at the age you join, so if you join the health care plan at age 40, you will continue to pay premiums as a 40 year old individual for as long as you keep your plan in force. Age fixed plans private medical insurance can cost slightly more when you first join, but in the long run, they become more affordable.

Flexible Benefits from private medical insurance provider

Can’t find a medical insurance plan that fits you? Then why not build a plan that you want? More and more health insurance companies offer a menu of benefits in their health insurance plans to let you build the right plan for you, your budget, your lifestyle and your family. A pick and mix type of a plan, you choose the Private Healthcare that you want. Your specialist Chase Templeton advisor can help you with selecting the right private healthcare for you.

Lump Sum Self Insurance Private Healthcare

Want to arrange and organise your own private health care? There are plans available within the market that will offer you a lump sum benefit to enable you to arrange your own treatment. You will still need your claim approved, there is still help available to you to get the best treatment possible; but if you want control of where and when you want your Private Healthcare treatment in the UK or abroad, then this may be the type of plan for you.

Innovations in private healthcare

More and more new types of plans are being launched by the healthcare insurance companies all the time. Chase Templeton as a specialist Medical Insurance intermediary will keep you abreast of the new plans available in the marketplace to ensure that at all times; you have the right health insurance plan for you.

Saving Money on your Private Health Care

There are many ways you can save money on your private health care including paying your premiums annually which can attract a discount of up to 10% on your plan. Restricting certain hospitals is another key way in which your medical insurance premiums can be reduced; and if you would like to know more about the savings that you could make, your Chase Templeton advisor will help you to find the plan that meets your budget.

If you would like a free, no obligation review of your private healthcare, Chase Templeton has a team of highly trained private healthcare specialists available to provide you with a comprehensive review of the Private Medical Insurance market to ensure that you get the right health insurance plan for you.

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