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Self Pay

Self-Pay Friendly Insurance

Self Pay Friendly Insurance Plans

Self-Pay - Self-Pay friendly insurance

As the insurance industry tries to mirror the needs of the public, more policies have been developed to allow people a degree of flexibility to include ‘self-pay’ treatments.

In many respects, this can make life easier for the insurer as they are simply paying out a lump sum rather than having to make all the necessary arrangements. In doing so they have opened up a number of new options for the cost sensitive customer to enjoy.

Some examples include:

Freedom HealthNet:
This company provides a medical insurance plan which can be both ‘traditional’ and ‘flexible’ to suit your needs. Depending on the type of claim you make, you may prefer for Freedom to make all of the necessary arrangement. However, if it is not so serious, you may prefer to make some arrangements yourself and feel the benefit..

Example: If you are able to purchase your treatment for less that the listed rate, you retain the balance. So if an operation normally costs £5,000 and by ‘shopping around’, you can get the same procedure for £4,000, you keep the difference of £1,000 (tax free).

This approach means you can also travel abroad for savings and even wait for the NHS to treat you if the waiting times are low… competitive premiums and generous benefits make this a popular choice for the forward thinking policy holder…

Call us on 0800 977 6006 or click here for a personal quotation .

The National Deposit Friendly Society:
A relatively new player to the UK health insurance market, however they have actually been around for longer than most insurers…
National Deposit has developed a policy which combines comprehensive health cover with a personal deposit account. You retain an element of your premium I the deposit account so it can be used at the point of claim to pay your personal share of the claim (usually 10%). This is very much a long-term approach to providing healthcare benefits and as a result allows members to fix their premiums to avoid any future surprises.

Call us on 0800 977 6006 or click here for a personal quotation.

Western Provident Association (WPA):
Not the most well known insurer in the UK, but well known throughout broker channels for innovation and service, often distancing themselves from the rest of the insurance market. More recently, WPA have developed products which sit well with the Self Pay market, these include:

XS Health – A high excess plan designed for those happy to fund part of their health care needs. [click here for a quote ]

Health Top Up – a flexible plan designed to compliment your NHS entitlement. [click here for a quote ]

If any of these plans look of interest to you, please feel free to call us on 0800 977 6006 of click the links next to the policy name for a link through to the WPA Website.

Other policies can also provide helpful when considering this type of healthcare funding. This is not an exhaustive list, just some popular policies.

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