Death risk: Why you should avoid hospitals on weekends
03 Feb 2012
Individual health insurance is taken out just to cover your medical needs alone. An individual health cash plan covers regular healthcare treatment.
Everyone has different healthcare needs so you can specify the level of cover that you want from a policy to make it as comprehensive as you like, adding extras such as dental, optical and even complementary therapies. You can get basic health insurance policy from about £30 a month, cash plan cover is a cheaper option if this sounds too expensive.
The premiums you pay will depend on the cover level you select but your age and lifestyle, including weight and alcohol intake, are factors that are also taken into account.
Some people decide that they would like cover for a partner, spouse or other family members, in which case a joint or family policy can be better value because premiums are cheaper than two individual policy prices.
