Updated: November 20, 2019

Private Health Insurance and Emergency Health Care

Does private healthcare cover include emergency care? In this guide we'll explore exactly what private healthcare covers, and how it applies in an emergency

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Richard Angliss

Author: Richard Angliss - Finance Expert

Updated: November 20, 2019

If you’re thinking about taking our private health insurance, but are unsure of what you need and how it could be used. Emergency care is probably among your questions, including whether or not it’s covered by private health insurance.

To help answer that question and any others you might have relating to emergency care and private health insurance, we’ve written this article.

If you want to arrange private health insurance and would like to skip the reading and take positive action, talk to one of the expert advisors we work with.

All the experts we work with are independent financial advisors with far-reaching knowledge and access to insurance providers across the UK. They will be able to answer all your questions and help ensure you get the policy with the best cover at the most competitive price available.

Call 0808 189 0463 or make an enquiry for a free, no-obligation chat.

Does private health insurance include emergency care cover?

No, private health insurance in the UK doesn’t include emergency care cover. If you’re researching medical insurance, you might find the phrase ‘it compliments the NHS but doesn’t replace it’.

Although private health insurance is very useful and can help you get some operations and treatment more quickly, it doesn’t completely replace the NHS, which will always be your first port of call in an emergency.

Even though private medical insurance doesn’t provide emergency care cover, it can be used to make a stay in hospital following an accident or emergency, more comfortable. For example, through your insurance you can gain access to more comfortable or private rooms and beds. It can also ensure you receive the treatment and drugs you need, even if they’re not available on the NHS.

To find out more about getting the right private healthcare insurance and how it can be used in relation to emergency care, it can help to talk to an expert insurance advisor, like those we work with. If you speak with an experienced private health insurance broker they can answer all your questions related to the emergency care and the level of cover you might need.

How does private health insurance work if I’m admitted to hospital through A&E?

If you’re admitted to hospital after an ambulance takes you to accident and emergency, or even if you’ve transported yourself to A&E, you may then be able to make use of your private healthcare insurance cover.

In some cases, your cover might mean you can be moved to a private room within the hospital you’ve been admitted to. It can also mean that any treatment you need, such as an operation or a course of medicine or other treatment, will take place more quickly than it would if you relied solely upon NHS provision.

In some cases, you may need to move to a private hospital in order to receive the required treatment or procedure. The right level of private medical insurance will pay for that and your insurer will make the necessary arrangements.

Would my private health insurance provide an ambulance?

In some cases, yes, private health insurance may provide or pay for a private ambulance. This ambulance provision may be used to take you to and from hospital or even between hospitals if a transfer is required.

However, because private medical insurance doesn’t cover emergency care, it can’t be used to provide or pay for ambulance transportation for an emergency visit to a hospital’s A&E department.

It’s also worth being aware that not all private medical insurance policies will provide a private ambulance and for those policies that do, it may come with a higher monthly or annual premium. That’s because most private healthcare insurance comes in a variety of cover levels:

  • Basic
  • Medium/Standard
  • Comprehensive

As you might expect, the higher the level of private medical insurance cover you want or need, the more expensive it will be.

To find out more about the different levels of private health insurance, it can help to speak with an expert, like those we work with.

Speak with a private health insurance expert

If you’re considering taking out private healthcare cover for yourself, your children or even your entire family, you can find out more about what benefits you would gain from having medical insurance, including details relating to emergency care by talking to one of the expert advisors we work with.

All the experts we work with are independent financial advisors. Make an enquiry or call 0808 189 0463 and we’ll match you with a fully qualified and experienced private healthcare insurance advisor.

An insurance expert can answer all the questions you have about private healthcare cover, ambulance and emergency care provision. The service we offer is free and there’s absolutely no obligation.

Speak to an expert today

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Richard Angliss

Richard Angliss

Finance Expert

About the author

Richard Angliss has made a career in financial services which stretches over 40 years.

His early career was spent learning about the various financial products and applying them to prudent advice, working for one of the largest life assurance and investment firms. After that he joined the financial services arm of a very well-known firm providing independent advice to their 8 million customers.

For the last 20 years he has been involved in building software solutions that help Advisers and clients work together to achieve good financial outcomes and helping to set up three independent advisory firms. He also has written many articles for financial services publications and provided commentary for newspaper journalists.

At an early stage in his career he realised the great satisfaction that comes with being able to help people achieve their goals and protect their families. “Regulation of financial services has hugely impacted on ensuring people get appropriate advice. The issue these days is access to that advice and just as importantly regular reviews to make sure that everything stays on track”.

With the growing development of online resources such as Online Money Advisor he sees a great future for people to access advice to make their pension and investment work harder for them.  Plus, of course, to ensure they have insurance products in place that will be required when unforeseen events happen.

He knows getting that balance right is crucial to prudent financial planning and the wellbeing of individuals and their families.

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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