FAQs | Private Health Supermarket

FAQs

We are dedicated to ensuring you understand every part of your health insurance policy and the purchase process. Below you will find a list of FAQs (Frequently Asked Questions) we often receive, click on the boxes below to reveal answers. If you would rather speak to one of our knowledgeable and experienced team members contact us on 0800 0486 999.

What are the benefits of having private health insurance?

In short, the main benefits of health insurance include:

Access to specialist care and treatment, quickly
Access to treatment that isn’t currently available using the NHS
More choice with regards to where you are seen and who you are seen by
The ability to obtain a second opinion about an injury or illness
Choice of what you are insured for

Who are The Health Insurance Specialists?

The Health Insurance Specialists is one of the largest health insurance brokers in the country. With over 30 years of experience, they know the private health insurance marketplace inside and out. Moreover, they have excellent relationships with each of the leading health insurance providers, which means that they can access exclusive policies and discounts for you. This also means that they are lucky to have access to exclusive plans that are only available to a select few other advisers.

How can I save money on my cover?

Shop around! Or even better, let us do it for you for free! We’ll save you time and money by searching hundreds of providers to make sure that we find you the best deal for your requirements, whether you are looking for cover for you, your family or your business.

Do you provide cover for chronic conditions?

Chronic conditions are long lasting in their effects and as a result some health insurance providers may only be able to cover the tests and initial treatment for chronic conditions and diseases. If you think that you may have a chronic condition, speak to us so that we can make sure that you are aware of any options available to you.

Do you provide cover for pre-existing conditions?

A pre-existing condition is classed as an injury or illness that existed before you took out a health insurance policy. Depending on how long you have had the condition for and its severity, individual insurance companies may still be able to offer you private health insurance. Speak to us about this so that we can make sure that you are aware of any options available to you.

Does it make a difference if I compete in sports professionally or semi-professionally?

Taking part in sports can often lead to injury. However, our knowledge of the health insurance industry means that we can point you in the right direction of the most specialist providers of health insurance for people who participate in sports, to make sure that you receive the best deal and the best cover.

What is cancer cover?

Cancer cover is offered by a range of health insurance specialists. Typically, cancer cover features private health insurance which covers the cost of support, tests, drugs and treatment.

What happens if I become terminally ill?

In some cases, cover will include palliative care. If you would like this to be included in your policy speak to us and we can let you know which health insurance policies will provide this.

Can I choose which hospital I go to?

Many of the health insurance providers that we work with have access to multiple hospitals within each region. This means that you can often request where you are seen for diagnosis and treatment, as well as having more flexibility with the dates and times that you are seen.

Can I make changes to my health insurance policy?

If you wish to make a change to your existing policy through your existing provider, contact us and we’ll sort this out for you. If you wish to change provider, then we can usually arrange for this with no interruption to your health insurance plan, so that you aren’t left without cover even for a short time.

Will my premiums increase if I use private treatment or services?

In most cases, making a claim on your health insurance will not increase your premium. Some of the health insurance providers we work offer no claims discounts. These work in a similar way to car insurance, where you receive a discount following not having made a claim on your health insurance, usually over the period of a year.

How can I cancel my policy?

In most cases, if you are within the cooling off period of beginning a new policy (usually 14 days from when your cover begins) you will be entitled to a refund for money that you have paid, excluding a deduction for the time that you have been covered.

A refund is also usually given for the time that you have not yet been covered for, if you cancel your policy before it comes to an end or before your renewal date. In some cases an administration charge will apply to process your cancellation.

We compare

	We compare the market leading health insurance providers
	Bespoke health insurance packages to suit you
	Best price guarantee - we will not be beaten on price *

* Best Price Guarantee is offered when the client shows their adviser a quote from another insurer or brokerage that details the same level of cover being quoted.

I didn’t really have any idea of which policy would be best for me and my family, or what I needed to include in it. The people at PHS were so helpful and made sure I understood exactly what my options were before recommending the best deal. I will definitely recommend them – in fact, I already have!

Mrs P Trove,

Newcastle upon Tyne

When you think of insurance, you think of ticking the right boxes and trying not to opt for too many additional extras. What was different with PHS was that the options they gave really were tailored to me. I feel like I’ve got a great deal that really gives me what I need!

Mr A Payne,

Birmingham

The person I spoke to at PHS was really friendly and talked me through the options that best suited me, without the hard-sell or throwing any confusing jargon at me. They really knew what they were talking about and now I know exactly what I’ve got included in my cover. I wouldn’t hesitate to recommend them.

Mrs S Campbell,

Exeter

I chose to go for private health supermarket because I’d seen first-hand how hard it is to get an appointment and how long you have to wait for treatment without it. When looking for a site to use to compare health insurance, I thought that PHS looked like it would have lots of options available and I was right! I now know that I’ve got the best cover for me at a great price.

Mr S Clamp,

Manchester

We pride ourselves on providing the best quotes available within the private health and medical insurance marketplace. Our customers are consistently pleased with the variety of tailored quotes that we provide to them. To see their feedback, visit Trustpilot, a global ratings and reviews provider.