What's covered?

In return for a monthly insurance premium payment, people with private medical insurance cover can receive certain medical treatments - and the insurer foots the bill.

People with medical insurance can also avoid any NHS waiting lists to see a specialist and to receive tests such as -rays, ECGs and MRI scans.

Insurance policies usually cover your treatment at private facilities with a choice and flexibility over when and where you attend.

Every policy and provider will have slightly different terms and conditions, but most providers  will also cover the costs of follow-up treatment, including physiotherapy, and access to helplines 24 hours a day, seven days a week.

Tremendous advances in the medical world mean that many private patients are enjoying faster recovery times and higher quality of life through new drugs, surgical evolution and complex treatment regimes that are not always available through the NHS - or which might involve a long wait to access.

Best value guaranteed.

All policies have an agreed annual limit of how much can be claimed. Policies are renewed yearly. You can choose to pay an excess, and you may also be able to benefit from a no-claims discount when you come to renew your medical insurance policy.

A good starting point is to consider the illnesses and possible conditions that concern you the most and ensure that the policy you choose covers you against costs of remedies for those.

Evaluating the many policies and providers can be a real headache as you try and understand what's covered - but by getting a quote through this Health Insurance Quote website you can be certain that we have sifted through all available policies from all the major providers in the ever-changing marketplace of private medical insurance in the UK.

Give us your details once and we will come up with the best policies that meet your needs, your lifestyle and your medical history and lifestyle. Our advice is free, impartial and comes from experts with more than 30 years' experience in this field.

It's also possible to obtain quotes for specialist cover that will meet the costs of medical treatment for long term, terminal or chronic conditions. Some policies are suited to the needs of growing children and others will give cover in one policy for a whole family.