The Definition of Insurance

Health insurance is primarily intended to cover the cost of treating individuals who are commonly known as acute conditions. Most insurance companies in the world to define an emergency, like a disease, illness or injury that can respond quickly to treatment which aims to return to the state of health had immediately before suffering the disease, an illness or accident, or leading to the recovery .

Most people buy this type of insurance for the security of knowing that treatment is available immediately if you become ill or injured. As a private patient, you can choose where the processing takes place, the specialist that it is, and the hospital. They usually have the privacy of a bathroom with TV and other amenities. Some illnesses and treatments will not be covered and these are common to most policies.

Examples of such are the conditions you had before the insurance (commonly known as the historical circumstances), GP services, coverage for long-term illnesses which can not be healed (chronic) and accident and emergency medicine entrance. It is important to note that private health insurance is not to replace all the NHS services. Some, such as accidents and disasters, is outside the private hospital.
The type of policy and the degree of coverage, you can get is usually available in 3 phases:

Set the Budgets
With this type of policy normally only inpatient treatment is involved, which means that diagnostic tests, consultant fees and outpatient treatments are not included. This type of policy best suits those who can afford to pay their own outpatient tests and consultants fees from savings leaving policy to pay for more expensive treatments that activity. Some insurance companies will include diagnostic tests and consultants fees if this leads to a hospital stay hospitals. Inpatient radiotherapy and chemotherapy are covered by most insurers on budget policy. Inpatient treatment is covered in full.

Default
this type of policy covers completely closed operations, such as a range of outpatient treatments. Specialist consultations and diagnostic procedures, including pathology, radiology, computed tomography, magnetic resonance imaging scans, radiotherapy and chemotherapy, up to something between £ 500 - £ 2000 depending on the insurance. Usually, the therapies, such as treatment with osteopaths, chiropractors, physiotherapists, homeopaths and acupuncturists will be subject again to certain limits, which vary between insurers.

Extensive
Global policy is much broader range of solutions for health care. They usually include full hospital cover unlimited outpatient cover as described above, MRI and CT and other benefits such as psychiatric cover travel include dental coverage, home care costs, pedicure, hospital and rehabilitation costs (telephone, newspapers etc.). For complete peace of mind this is the type of policy you choose.

But modular, flexible policies are increasingly becoming more popular because it allows the customer to adapt them to their needs and their budget needs.

Related articles:

• What is Insurance in Basic
• Big parts of Insurance
• General Insurance