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When health issues arise, knowing that you have access to quick diagnosis and treatment is what matters most.

Private health insurance gives you the power to do this as well as the ability to choose where and when you receive the treatment. You automatically bypass stretched NHS resources and the many who wait months for a hospital appointment.

Stanhope Cooper is completely independent and compares price and cover from leading health insurers such as AXA PPP, Aviva, Bupa and Vitality. Whether you are a first time buyer or looking to switch policies, our aim is to provide you with the right policy at the right price.

Benefits of private health insurance

Quick referral to a consultant

Recovery in a private room

Choose your hospital

Quick admission to hospital

Choose a time that suits you

Treatment and access to medication not available on the NHS

What is covered as standard?

  • Inpatient
    Overnight stay in hospital for treatment
  • CT, MRI and PET
    Scans at a scanning centre or hospital
  • Cancer cover
    Cover for cancer diagnosis, treatment and aftercare as standard 
  • Hospital fees
    Including operating-theatre costs, nursing care, drugs and dressings, specialist fees, consultations,
  • Hospital accommodation
    Access to 100s of hospitals

Additional cover

  • Outpatient
    Including diagnostic tests, consultations with fee-approved specialists and specialist treatment
  • Therapies
    Including physio, osteopathy, homeopathy and chiropody
  • Mental health cover
    Cover for psychiatric treatment, including accommodation, diagnostic tests and drugs.
  • Dental cover
    Cover for your dentist’s fees
  • Worldwide travel cover
    European or Worldwide Travel Cover for emergency medical expenses abroad

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What is private health insurance?

Private medical insurance (PMI) is designed to cover the costs incurred by private healthcare. This will cover you for the diagnosis and treatment of a disease, illness or injury that may develop after your policy begins.  Although most pre-existing conditions would be excluded from cover, we can in some instances get these included (depending on the condition, whether it is controlled, and how long it has been since diagnosis).

The level of cover available can vary and is dependent on the type of policy you have. Most providers broadly offer three types of healthcare insurance: Basic, mid-range, and comprehensive. All three options will generally cover any inpatient treatment, where you are required to stay in hospital – either as a day patient or overnight. Where they differ is the level of outpatient support provided (eg. Scans, consultations, tests, rehabilitation etc.).  Comprehensive health insurance tends to cover all outpatient treatment in full.

How does it work?

Private health insurance usually begins with a referral from your GP for specialist treatment. Before you arrange any treatment, make sure you contact your insurer to check that you are fully covered minus the policy excess. Once your GP refers you to a specialist and your insurance covers you for outpatient treatment, you can make an eligible claim. The specialist may undertake diagnostic tests and then if needed will refer you to undergo more investigations or treatment at a private hospital. All of this will be covered and an eligible claim can be made under the inpatient or day patient section of the policy.

Will pre-existing conditions be covered?

Health insurance usually only covers acute conditions that have not previously occurred. So a disease, illness or injury that is likely to respond quickly to treatment that aims to return you to the same level of health you were in before. In some circumstances, it is possible that a pre-existing condition can be covered but this is typically if the insurer believes it unlikely for the condition to return.

How do I compare different health insurers, and decide which one is right for me?

We would recommend using a broker like ourselves, who can approach a panel of insurers, explain the complex jargon, and different levels of cover available. We would advise that you consider your lifestyle, budget and areas of your life that concern you the most. This approach will lead you to purchasing a policy that is tailored to your needs at a competitively priced premium. We use our buying power and specialist knowledge to provide you with the very best terms available.