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Healthcare solutions for individuals, families, group and SMEs – UK and Worldwide

We take out insurance for our homes and cars without a second thought, so why not ensure that your healthcare needs are taken care of as well? Stanhope, part of the Stanhope Cooper Insurance Group, works with the UK’s leading private health insurance providers to source a wide range of cover options to suit your needs. You may want reassurance that you will be diagnosed and treated as quickly as possible. You may want access to specific hospitals. You may want to be seen by a specific consultant. Our range of private health insurance policies can be tailored to your exact requirements.

What is private health insurance?

Private medical insurance is available at a range of levels of cover, at various premiums, designed to meet the needs of different customers. Cover usually includes:

Cover usually includes

  • Outpatient MRI, CT and PET scans
  • The cost of hospital admission
  • Surgery
  • Hospital accommodation and nursing care
  • Cancer drugs – most policies will include drugs that are not available on the NHS

Cover may also be upgraded to include:

  • The costs of seeing a consultant
  • Diagnostic tests, such as blood tests, X-rays, ultra sounds etc.
  • Mental health treatment options
  • Physiotherapy
  • Complementary therapies

Why do you need private medical insurance?

Private health insurance can complement the services of the NHS by providing cover for the cost of prompt access to private treatment, and access to cancer drugs not always available on the NHS.

  • Timely access to healthcare – This includes prompt referral to a consultant, quick admission to a private hospital, and treatment at a time to suit you.
  • High quality private clinics and hospitals – Private medical insurance allows access to treatment and facilities that you would not normally receive on the NHS. If undergoing a hospital stay, you will have your own room with an en-suite bathroom, complete with home amenities such as a TV. Nurse to patient ratio is also far improved, ensuring a much more comfortable stay.
  • Improved treatment options – You can opt to have access to advanced treatment options, such as cancer drugs that are not always readily available on the NHS.

Understanding your healthcare cover

We make sure that you understand what your private health insurance policy covers you for and any limits that apply should you make a claim. We are available during the course of your policy to talk you through the cover you have, and at your renewal we will review the market on your behalf to source the best options going forward. When choosing your private medical insurance, you may want to know if there are any monetary limits on the policy. How does your excess work, will it be applied per claim or per policy year?  What cover is there for cancer? What types of treatment are covered and for what stages of the disease? As an independent, exclusively family owned insurance broker Stanhope Cooper are in a position to provide you with totally unbiased advice as to which healthcare insurance option is best for you. We make sure you are fully aware of your level of cover, and any limitations on it. There can be limits on cover for cancer drug treatments. A drug treatment that your insurer has covered might not be available on the NHS when your cover ends. We will contact you as you approach the end of cover about the options available to you so you can discuss it with your specialist.

Why use a private health insurance broker?

Using a private medical broker will save you time

Getting quotes for private medical insurance can be time consuming. When you approach a healthcare provider they will require a lot of information from you in order to provide you with a quote. This will include your personal details, information about anyone else you want to be covered by the policy and details of your medical history. If you get quotes from a number of healthcare providers you will have to provide this information to each of them individually. However, when you use us you will only have to provide this information once. We will then scour the market for you using the details you have provided to compare private medical insurance costs and the cover available.

We can save you money on your health insurance

As with other types of insurance, a broker can help you source the best price for the private health insurance cover that you need. We will obtain a number of quotes from medical insurance providers for the level of cover that you’re looking for. By comparing the costs we can help you to save money on your monthly premiums by finding the best value cover. You will not get a better price for your health insurance policy by approaching a provider directly as often there is no price differential between the price we, a broker will quote and the price an insurer will quote. Often, brokers can obtain preferential rates, meaning it can actually be cheaper to use us rather than going direct. As the service we provide is free to you our customer, there’s really no reason not to use us.

Independent and unbiased advice

Do you know exactly what type of healthcare policy is the most suitable for you, your family, or your business? If not we can help. As an experienced broker we will discuss the various types of cover with you in order to find out exactly what type of cover is appropriate. Using us means you benefit from years of experience and industry knowledge. If you’re looking for advice on the best health insurance policy, we can help you. Simply complete our easy online form and we’ll be in touch to discuss your healthcare needs. And, we’ll help you to compare the health insurance options available so you get the right cover at the right price.