The Benefits Of Health Insurance For Specific Conditions
Comprehensive private medical insurance plans can be expensive; but if you are one of those people who are on a budget, there are other ways to protect yourself should the unexpected happen. For instance, some health insurance providers offer lower cost plans that just cover specified conditions.
Cancer, heart disease and stroke are common conditions which can be covered by specific condition insurance plans. These plans could be very helpful if you consider that one in three people will be affected by cancer at some stage in their lives1. While cardiovascular disease (CVD) caused 39% of deaths in the UK in 20022 and an estimated 150,000 people have a stroke in the UK each year.
Some health insurers have chosen to offer a private medical insurance plan that provides protection specifically for these three conditions; and based on the statistics presented above, you can see why this plan could be so important. You could be covered against the UK's three biggest killers - even if you cannot afford a full private medical insurance plan. If you ever need to call upon the plan, you can be confident that you would have cover for early diagnosis and treatment in private hospital facilities for these conditions. Furthermore, these plans often include access to a helpline where you can obtain health information or counselling.
Health insurers may also offer plans that cover cancer and heart disease only; but in light of new cancer drugs such as 'Avastin' and the fact that sometimes these drugs are not readily available on the NHS, some insurers have been prompted to offer cancer-only health insurance plans. There are a variety of cancer plan options in the market depending on your needs.
Some health insurance plans provide cash lump sum payments if you are diagnosed with cancer. These plans generally allow you to spend the money as you wish - perhaps towards the cost of childcare or even for someone to clean your house while you are in hospital. There are often other benefits included such as monthly income payments up to a certain number of months and hospital cash payments up to a certain amount of nights. Sometimes these plans can be gender specific, targeting only certain types of cancer (e.g. ovarian etc. for women). Although receiving a cash payment might help during this time, you may find that it does not go very far.
Other cancer plans offer cover for treatment only and are aimed at bridging the NHS gaps. For example, offering cover for certain licensed drugs and their administration. Treatment only plans have their benefits, but their usefulness may depend on where you live. If you live in an area where cancer drugs are available to all and patient waiting times are being met, they may not be as relevant to you.
Alternatively, if you wanted even greater protection against the cost of dealing with cancer, some health insurers are offering cancer plans that provide comprehensive private cover.
Because the cover available on health insurance plans for specific conditions is limited to the condition or conditions specified, premiums tend to be much lower than that of a traditional, full private medical insurance plan. So, if you are keen to have health cover of some sort, but have not considered purchasing full private medical insurance because it is too expensive or it doesn't entirely suit your needs, a specific condition health plan - whether it covers the UK's three biggest killers or cancer only - might be just what the doctor ordered.
Andrew Regan is an online, freelance author from Scotland. He is a keen rugby player and enjoys travelling.
Life Insurance Benefits
Life Insurance is a legal contract between you and a life insurance company with the purpose of providing an income to spouse...
Health Insurance - Temporary Alternatives That You Can Benefit From
Fortunately there are temporary alternatives to regular health coverage plans that can offer you protection during specified ...
Why Does Health Insurance Cost So Much?
Why does health insurance cost so much? Year after year, many of the articles that appear in print detail the specific facto...
Health Insurance for the Home Based Business Owner
Most people who dream about having their own home based business put it off for one major reason their health insurance and ...
Consider Short Term Major Medical Insurance In The US
What is Short Term Medical Insurance Short term medical insurance is temporary medical insurance and is designed for people w...
Proactive Healthcare-Reducing High Healthcare Costs
Why does health insurance cost so much? There are a number of factors that are specifically responsible for increasing health...
Do You Need Travel Health Insurance?
Are you a travel freak? Do you travel frequently overseas? Do you plan trips and holidays with your family year after year? I...
Affordable Child Health Insurance
There are different types of affordable health insurance plans, including affordable individual health insurance, affordable ...
What’s So Special About California Health Insurance?
One of the best things about California health insurance, and something that makes it different from health insurance in othe...
Long-Term Care Insurance - Is Your Health Good Enough to Qualify for LTC Insurance?
Long-Term Care insurance is a health-qualifying type of insurance. You must be in reasonably good health in order to obtain c...
Self Employed Health Insurance Coverage
Your self-employed business could be a one-man show, a husband and wife team or one that employs a handful of people. In the ...
What Short Term Health Insurance Is All About
What is short term health insurance and is it something that can be beneficial to me in any way? I had certainly heard of sho...
What Short Term Health Insurance Is All About
What is short term health insurance and is it something that can be beneficial to me in any way? I had certainly heard of sho...
Masshealth - Finding a Health Insurance Company That is Right for You
With health insurance now mandatory in Massachusetts, people across the state are eager to find affordable Masshealth plans t...
An Introduction To Free Health Insurance Quotes
Health insurance plans can be quite costly, depending on the kind of plan one chooses. For instance, a Fee-For-Service plan i...
What Should You Do If You Lose Your Health Insurance?
Did you know that an average day in a hospital can cost you as much as $2,000? While a typical cholesterol lowering drug cost...
What Should You Do If You Lose Your Health Insurance?
Did you know that an average day in a hospital can cost you as much as $2,000? While a typical cholesterol lowering drug cost...
How To Choose Good Health Insurance
In this day and time, not having health insurance might one day lead to the decimation of lifetime savings. Many people recei...
Expensive Medicines and Remedies: Does Your Health Insurance Pick Up the Tab?
Its well-known that some medicines and remedies are much more expensive than others. This is especially true for people with...
Small Business Health Insurance
All companies and businesses provide their employees ample compensation for their work in the form of wages. Aside from this,...