Private Medical Insurance – What’s It All About?


 Private Medical Insurance – What’s It All About?

The world of the private medical insurance can be a little overwhelming to say the least. Private medical insurance can get quite costly and it’s important to know what you’re getting into before signing up in order to avoid making any expensive mistakes.

That's why we've put together this post all about private medical insurance, complete with an explanation of what it is, how it works, and how much premium your monthly payment will be.

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What Is Private Medical Insurance?

Private medical insurance is a form of insurance that covers the costs of private medical treatments in the event that you get sick or injured and need medical attention. There are a number of different providers for private medical insurance, and many of these companies will offer you a number of different plans depending on what you're looking for in your insurance policy.

Many people choose private medical insurance as a way to save money when it comes time for medical bills. Private insurance often helps to cover a portion of the costs of treatments that you would have paid out of pocket without insurance, and can also provide cover for services not covered by Medicare or your national health scheme.

So do private medical insurers pay your medical expenses? Yes, they generally do, although you want to be careful not to get confused between what's covered under public health care programs and what's covered under private health care.

How Does It Work?

The most common form of private medical insurance is a plan that allows you to go see any doctor or hospital who accepts your plan's coverage. To this end, many private medical insurers also have their own in-house facilities and clinics as well as a list of preferred providers who can help you with your treatments.

However, it's important to note that you generally aren't able to choose your own doctor. They’re assigned based on where you live or what doctors are on the list of covered providers for your insurance company. You generally will want to check around at multiple companies and compare plans before settling down with any one private health care company in order to ensure that you're getting the best possible coverage for the price.

How Much Does Private Medical Insurance Cost?

According to a recent survey conducted by, the average cost of a plan with a $1,000 deductible per person is $157. Use our insurance quote calculator to find out exactly how much your monthly payment will be for a private policy that covers typical medical expenses like hospitalization, doctor visits and prescriptions.

Use our insurance comparison tool to compare policies from different insurers and make sure you're getting the best deal possible.

What Does It Cover?

The type of medical treatments that are covered by private medical insurance plans can vary as there is no single type of treatment covered under these plans. Each plan will be written differently and will cover different things based on what the insurance company has chosen to include in their plans.

For example, one plan might have a special section that covers cosmetic procedures while another might have a little bit more coverage for overseas treatment. Some people choose to want something that will cover certain types of treatments like chiropractic work or dental work while others find that a package that covers all needed services is the best option.

For information on specific things that your private medical insurance will or won't cover, it's important to take some time and review the fine print on your policy.

It's also important to note that your insurance should never be taken for granted. Private health care plans will go up and down in cost if the medical industry itself does, so it's always a good idea to check into your coverage on a regular basis.

Why Should You Buy Private Medical Insurance?

You might have heard the old adage that you get what you pay for when it comes to private health care plans. While it is true that most private medical insurance plans don’t cover everything, those that do cover a wide range of treatments and services typically come with a very low monthly premium as well as very fair co-payments for procedures and doctor visits.

In addition, some private health care plans also have a lifetime maximum for the costs that you’re required to pay out of pocket. This means that even if you think that you might only ever need to pay a few thousand dollars in medical costs in your lifetime, your private medical insurance will still cover you for any costs that exceed the maximum amount of money you’re required to pay.

A great deal of people choose private health care insurance over national health schemes as it is often easier and cheaper to find a private insurance company than it is to find a doctor or hospital who will accept Medicare or another national health scheme.

Private medical insurance can also be used to help pay your medical bills or make ends meet when you're ill. Some companies even provide a good amount of money towards the treatment of any illnesses that you might have so that you don’t have to worry about paying for it all.

Many private health care plans also offer a large variety in terms of coverage, although they may not cover everything everyone might need or want. This means that you'll have to do some research and shop around to find the best plan for your individual needs.

If you find that you're juggling your finances a lot in order to pay medical bills, private health care can help to give you some peace of mind when it comes time for paying out of pocket.

What Should You Do If You Need Medical Treatment?

It's always important to remember that if you do not have any private medical insurance or if the plan you have doesn't cover a certain medical treatment, then you will be responsible for paying out of pocket for those treatments. It's wise to keep this in mind as well as to be prepared with emergency savings so that you don't have to fall into debt when it comes time for treatment.

Also, it's important to take your insurance card with you everywhere you go. This might sound silly and redundant but the last thing you want is to be without medical coverage when you're sick or injured. So make sure that your card is in your wallet or purse and don’t leave home without it! This can help you get treatment quickly if something happens out in public so that you don't have to worry about waiting for an emergency room visit or a doctor's appointment.


Whether you're looking for a private health insurance plan that will cover all necessary medical services or you want to have the peace of mind that comes from having medical coverage, there are a number of things to know when it comes to private health care. We've given you a good amount of information in order to help you make the right choice for your needs and get covered.

However, there are some things that could come up as well so be sure to read up on them here and do your research. There are different factors that will affect your decision so keep in mind this site for more tips on what's important in purchasing a policy online.

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