Can someone please explain to me how Dental/Medical insurance works in the UK?!

Question: Can someone please explain to me how Dental/Medical insurance works in the UK?

I have two children and a partner, and currently qualify for free NHS dental and medical treatment. But I wanted to look into getting private medical insurance. Call me stupid, but I dont really understand how it works. If I went into hospital, I would be treated by the NHS but my insurance would pay for it, is this correct? And with dental, would I still class as an NHS patient but with insurance, therefore need to wait until a dentist is taking on NHS patients, or would I be classed as a private patient, and be able to register with a private practice? I know I couldnt afford to go private if I just had to pay for treatments there and then etc, but if I could pay a monthly insurance fee which wasnt too high then I would rather do that.

Any advice? :)

Answers:

Talk to your dentist about Denplan or perhaps which ever one the surgery offers and works with. These are the most accepted ones within dentistry and monthly amount is based on dental fitness at the time of acceptance. They cover all basic issues and there are additional laboratory fees to pay for more complex issues. You can go where you like for private dentistry but the dentist does the assessment for the costing.

Health Plans like the one from Simply Health just contribute to costs of some health care but are not comprehensive and need a close look to see if they meet your needs.

Health Insurance is a different issue and as stated they will not cover existing conditions for a period of three years. If you use a search engine there will be loads of companies offering these policies. They do no mix medical cover and dental cover though and both are treated as separate subjects. A lot of medical insurance will not pay for some inpatient dental treatment as well. That is a complicated area. With health insurance it will not cover some conditions that become long term and chronic either. But if you find that you have a gynae problem and your Dr agrees that you need to see a specialist then you tell your Dr that you have health insurance and then the referral is made on a private basis. The insurers pick up the bill for the appointment, tests and xrays and scans, theatre, and aftercare. Good policies will cover you if need be on an unlimited basis for all cancer care as well (this is where it can really come into its own with health care rationing).

All it will cost you is the excess on your policy which is usually an agreed amount.
We have Bupa (and save 40% by being NFU members) and have found it has met all our needs and staff have always been accommodating and helpful.

it will not pay for any existing condition that you are being treated for

i believe you are right when u say that if you had to go to hospital then the insurance would pay for it or the bulk of the treatment (so much per person per yr)

look on bupa website it ought to clarify it a bit more for you
best wishes

hi well when you fill out the forms for the insurance You will have to declare the depression and that will go against you being able to claim against that illness in particular

read a insurance companys term and condition

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Can someone please explain to me how Dental/Medical insurance works in the UK?!

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