How to reduce your health insurance


Great ways to lower your health insurance

Great ways to lower your health insurance

When you apply for our health insurance, you can enhance or reduce basic coverage, depending on your budget, and what is important to you.

But if you are not sure what the difference is between our levels of coverage and what your options are, this overview will help. Don't forget to also read the policy documents, which fully explain your options.

What is the inpatient, day, and outpatient cover?

Knowing the difference is key when it comes to understanding what your document covers, so here are some activations:

- Day Patient: This is where you do not need to stay overnight in the hospital for treatment, although you may need a day bed if you undergo minor surgery.

- Inpatient: This is if you are admitted to a hospital ward for treatment and care, and you need a bed for one or more nights while performing tests, treatment, or surgery.

- Outpatient: This is when you go to the hospital for an appointment, but you don't need a bed or stay overnight.

What does our base cover include?

Here is the basic coverage covered by all levels of our health insurance.

Acute conditions

Our health insurance is designed for new illnesses, illnesses, and injuries that are likely to respond quickly to treatment, known as acute conditions - such as elbow pain and respiratory infections. Once treated, the goal is to make a full recovery, or to return you to how you were before you had this condition.

Inpatient fee and specialist fee

If you are admitted to the hospital as an inpatient, meals, accommodation, nursing care, medications, dressings, and theater fees will be covered for qualified treatment. Although if you choose the six-week option, we will only cover inpatient and day-patient treatment if you cannot get NHS treatment during that time.

Cancer care

If you are diagnosed with cancer, we will pay hospital fees for surgery and medical admission. Treatment - including radiotherapy, chemotherapy, and bone-strengthening medications - is also included, along with the cost of a wig and external prostheses.

Outpatient treatment

Outpatient consultations and treatment with a specialist are included, as well as diagnostic tests such as blood tests, X-rays, scans, and some treatments including physical therapy, orthopedics, chiropractic, and some mental health support.

Inpatient and day-patient treatment

We'll pay for things like hospital fees, specialist fees, diagnostic tests, and NHS cash benefits if you stay in an NHS bed.

Other benefits

Here's what's also included in our base cover.

- Home nursing

 -Private ambulance

- Parent's residence, if your child is 15 years old or younger
  He was treated in the hospital

- Donate £ 70 per day for up to 10 days

- Speech therapy referred by a general practitioner for children, for up to two sessions

- A child bonus of £ 100 per child born or adopted within a year of

- NHS Cash Advantage of £ 100 per night, for up to 30 nights. Though
  I chose the NHS six-week option, and this feature is not available if 
 you are You can get your treatment on the NHS during that time

- Helpline for stress counseling

How to increase your coverage level

You can choose to enhance your base cover using any of these add-ons:

- Dental and eye cover: for accidental dental injuries, routine dental treatment, and visual expenses

- Mental health: inpatient and day-patient treatment of acute mental cases

- Expanded Hospital List: Upgrade from the main hospital list to the expanded hospital list to include London hospitals

- Other treatments and treatments: physiotherapy referred by a GP, orthopedics, chiropractors, and acupuncture, for things like sports injuries and skin after an accident

- No claims discount is protected

How to reduce your coverage

If you want to reduce your premiums by removing some of the benefits, you can choose from these:

- Six-week option: inpatient care and day-patient care if treatment on the NHS is not available within six weeks

- Policy Excess: Pay a specified amount against the claim cost

- List of less comprehensive hospitals: Choose from our list of distinguished hospitals, if you live in Scotland or Northern Ireland, or our list of trusted hospitals that includes the NHS Trust and Partnership and private hospital units, if you live within the colony area

- Reduced outpatient coverage: You can choose to reduce outpatient coverage to lower your insurance premiums

How do you know what level of health coverage is right for you?

As you can see, you have a lot of options for customizing your policy.

If you can't decide whether you want improved coverage or less, then perhaps consider what matters most to you when it comes to your health and care. Is Rapid Diagnosis high on your list? Are you happy with the NHS using some services, if you can be seen within six weeks? If budget is a critical factor, you can try to add or remove options when you get a quote, so see how it affects your premiums.

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