There is a lot of jargon you need to learn when it comes to the health insurance industry. This can be a difficult world to navigate, which means that many people end up making mistakes when they want a private health insurance policy. It is not until later on they realise they are not covered and this leads to a lot of stress.
In particular, one thing that many people struggle with is understanding pre-existing conditions. Often, this is something that is not covered by health insurance providers. So, let’s go into more detail about what this means so that you do not make a mistake when it comes to your policy.
What is a Pre-Existing Health Condition?
Let’s get straight to the point and answer the question; what is a pre-existing health condition? Well, this is a term used for a health problem you have had in the past. It can refer to long-term conditions, as well as one-off symptoms you have experienced. For example, a pre-existing health condition could be type 1 diabetes. Alternatively, it could be back pain. The key is that both of these issues are problems you had in the past before you applied for private health insurance. They are going to be on your health records.
You do not always have to be diagnosed with a problem for it to count as a pre-existing health condition. For example, even if you have just had tests for a bad knee, this can count when it comes to health insurance. The best thing you can do is ask for quotes and see what your options are. You can check out https://www.usaycompare.co.uk/health-insurance and Usay Compare will generate policies that are available to you. Then, you can enquire further about pre-existing health conditions with that provider.
Will You Be Covered for a Pre-Existing Health Condition?
Note that every health insurance provider is going to be slightly different when it comes to pre-existing health conditions. They will take into account different factors in order to decide whether there is an existing issue.
However, most of the time, you will find that providers do not cover pre-existing health conditions on their policies. After all, they consider that you are probably going to need treatment again in the future for this problem, which means that they would need to cover it. So, the idea is they will only cover you for health conditions that you do not know about. While this can be frustrating, it is something that is common in the world of insurance.
Should You Still Get Health Insurance?
If you do have a few pre-existing health conditions, you might be debating whether you want to get health insurance if they are not going to be covered. Well, there are still some great reasons why you should. Let’s take a look at them.
Covered for New Conditions
You do not want to think about getting sick or having an accident. But it could happen. Health insurance is going to cover any new conditions you develop in the future. You will know that you are covered for them and this can give you peace of mind. You can be prepared for the future and know you have excellent treatment available to you.
Faster Access to Treatment
Unfortunately, there is a backlog when it comes to the NHS. This means that it can take months for treatment or even to get a doctor’s appointment. But, the good thing is that if you have health insurance, you are going to get faster access to the treatment or advice you need. The waiting times are much shorter.
More Treatment Options
There are some treatment options that are not offered on the NHS. But, they can be available through private hospitals. So, this is another reason why you should consider having a policy. You are going to have more treatment options available to you if you need them.
