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.

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.

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.

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

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.

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.

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

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.

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.

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.

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.

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

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

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.

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

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.

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