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Frequently asked questions

What is private health insurance?

Private health insurance is a form of coverage provided by private insurance companies that individuals can purchase to help cover medical expenses.

How does private health insurance work?

Policyholders pay regular premiums to the insurance provider. In return, the insurance company covers the costs associated with medical services and treatments, depending on the terms of the policy.

What does private health insurance cover?

Private health insurance generally covers a range of medical services, including hospital stays, surgeries, diagnostic tests, and specialist consultations. Coverage can vary, and policies may also include additional benefits like dental and vision care.

Is private health insurance mandatory?

In the UK private health insurance is optional. However, some individuals may choose to purchase it to supplement the NHS or to have access to additional healthcare options.

Can I choose my healthcare provider with private health insurance?

Many private health insurance plans allow policyholders to choose their healthcare providers.

What is the difference between private health insurance and The NHS?

The NHS is funded and administered by the government, providing coverage to eligible individuals. Private health insurance is offered by private companies and often offers additional benefits and flexibility.

Are pre-existing conditions covered by private health insurance?

Coverage for pre-existing conditions can vary. Some policies may exclude pre-existing conditions, while others may cover them after a waiting period. It’s essential to review policy details carefully.

How do I choose the right private health insurance plan?

Consider your healthcare needs, budget, and preferences. Compare plans from different providers, review coverage options, exclusions, and additional benefits. Seek advice from insurance intermediaries.

How do I make a claim with private health insurance?

To make a claim, policyholders typically need to submit a claim form along with a GP referral to the insurance company. Follow the procedures outlined in the policy documents, and claims are usually processed based on the terms of the policy.

Can I cancel my private health insurance policy?

Yes, policyholders can usually cancel their private health insurance policies. However, cancellation terms may vary, and there may be penalties or notice periods. Check the policy terms or contact the insurance provider for details alternatively speak to us at Tessa Alliance.

Does private health insurance cover dental and vision care?

Some private health insurance plans offer coverage for dental and vision care, while others may require separate policies. Review the policy details to understand the extent of coverage for these services.

How do I know I have the best price?

Our price comes direct from the insurer and in some cases we can actually get access to preferential rates in short we wont be beaten on price.

What if I already have a policy?

Tessa Alliance can compare your plan along with claims and medical history and give you the best advice on the best course of action.

Do I have to purchase a policy?

There is no obligation or pressure to purchase a policy when you get a quote from Tessa Alliance.

Why use a comparison service?

Our advice is completely free and totally impartial. We can save you the time and stress of comparing policies and understanding health insurance jargon that may be confusing.

Are you regulated?

Yes Tessa Alliance are authorised and regulated by the Financial Conduct Authority (992413).

What does in-Day and Out Patient mean?

In-Day Patient is were you physically occupy a bed in a private hospital for treatment. Out-Patient is were you will see a specialist or have a scan or test either initially prior to any potential surgery or as a follow up after surgery.

What is an excess?

An excess is a deductable amount you can choose to bring the cost of the policy more in line with your budget.

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