Medical Insurance from Essential Travel

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Private Medical Insurance

When illness means that you cannot work, Health Insurance can help by paying out a lump sum. Critical Illness Cover can also be beneficial if you require a replacement income whilst you are being treated and recovering from an illness.

A medical plan can help in many ways. Hospital cover will pay for costs incurred by being treated in a Private Hospital. It can also provide ancillary cover for things such as dental treatment or physiotherapy.

All plans have numerous cover levels with corresponding pricing, the difference being the range of treatments available. The most basic may only cover in-patient and surgical treatment. You would need to pay an extra premium to cover things such as diagnostic tests and consultations.

Many plans do not cover complementary medicine or psychiatric treatment as standard, so you would need to be aware of this. It is also advisable to read the terms and conditions as to whether it would cover you for convalescing after a hospital stay.

You may need to have domestic help and transport costs that would require unexpected expenditure. Some companies provide plans with different levels of cover depending on the amount of the premium paid. These can provide a lump sum if you are hospitalised or cash towards the price of a private consultation. They can also reimburse you for the cost of dental treatment and if you wear glasses you can also benefit from their optical cover.

This would enable you to recoup a proportion of the cost of a new pair of prescription spectacles.