What Does Medical Insurance Cover?

Updated on June 14, 2021

There are many different types of medical insurance available for people to purchase. This could be travel insurance, personal insurance or other types. Having an insurance cover connected to medical support is something that is becoming more and more popular.  Although we have the NHS free at the point of use, this system is unfortunately overwhelmed. With the Covid-19 outbreak, this area is even more under pressure and to care for the immediate issues of Covid-19, sometimes some of the operations or other appointments that they would generally be on top of have taken a back seat.   There are lots of different medical insurance options and some are detailed below.

Private Medical Insurance

Something that a lot of people may get free as a “perk” from their company is private medical insurance.  This insurance cover can cover a large range of things from dental care, operations, consultant appointments, cancer treatment etc. The insurance policy will cover really what it is you are looking to be covered and the premium will be changed to suit. The price of the cover will vary on a number of factors which will include your current health conditions, any pre-existing medical issues, the number of people you want on the policy and the type of cover you are looking for.  Do not rush into taking the cheapest option you see online as this may not be the best. Ultimately, you will normally be looking for a policy where if you need medical support, guidance or treatment, you have a policy in place that will ensure that this is completely efficiently but effectively.   

Doctors Insurance 

Unfortunately, we live in a world where doctors and surgeons are sometimes sued due their actions.  This then puts a lot more pressure on the industry to cover their backs. Surgeons can personally be sued if they make a mistake. These mistakes could be up to death of a patient.  As a result of this, it is important that the doctors and surgeons consider getting their own insurance cover to pay out in this eventuality (as the cash sum could be significant). The experts from Incision Indemnity are key to this sort of support and can offer all types of different cover in this field.

Travel Medical Insurance

People take for granted that in the UK, we have the free NHS. This is not replicated around the world and generally if people are looking to receive medical care, they will need to pay for it.  In some cases, this can be an extreme amount of money and without the money, you may not get the care you need.  It is really important that when you go on holiday, you are allowed to relax and not have to worry about having to pay a massive medical bill if you become unwell.  As a result, getting the right level of travel insurance in place before you travel is key to making this happen.  There are different types of policies that will cover not only medical issues but also your travel in terms of hotel cancellations or loss of luggage.  These different polices can be viewed online.   Pay special attention to any excess that is due on these as if you choose a larger excess, the overall price of the policy will come down significantly.


Depending on what type of medical insurance you take out will determine the cover you receive.  Whether you are a doctor, someone going on holiday or someone just looking to have additional cover above and beyond the NHS will influence this.  All are credible policies and should be reviewed on a case by case basis.


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