Uncertainty over government’s NHS reform framework should encourage people to check the terms of service of their health insurance cover, said Association of Medical Insurance Intermediaries treasurer and managing director of Best Health UK Debbie Kleiner-Gaines.
“This is the perfect time for those with medical insurance to double-check it to ensure they fully understand what their policy covers to avoid additional stress and disappointment at a time when personal health worries may predominate”, said Ms Kleiner-Gaines.
Cautioning people over buying their health cover, she said: “Clarity about what is covered is paramount. For example if cancer cover is a priority for an individual then he should focus on insurance companies and policies that cover this condition when selecting medical insurance”.
Advising against self-shopping, she said buyers should seek specialist IFA advice to determine if their policies cover all relevant costs, such as doctor’s fees, drugs, scans, in-patient, out-patient and after care treatment.
“With more than 200 policies on the market and an increasing diversity of concepts and options, identifying suitable policies can be overwhelming”, she said.
“This is why getting professional advice from a specialist medical insurance intermediary is essential, whether taking out cover for the first time or checking exactly what their existing policy covers and whether it is still appropriate to meet their expectations and circumstances”, she advised.