Outpatient & Inpatient Cover Options

Outpatient & Inpatient Cover Options

Every private medical insurance policy is different. So, when you’re looking for the right cover for you, it’s vital that you compare health insurance policies to find the one that offers all the right benefits at the right price.

Many PMI policies offer some element of both inpatient and outpatient cover. But, what is inpatient and outpatient cover? What treatment and care is included? Our guide explains everything you need to know.

What is outpatient treatment?

Outpatient treatment is the term that most private medical insurance policies use for treatment which is given at a hospital which does not require you to stay in hospital overnight.

For example: if you are suffering from an in-growing toenail which requires hospital attention and treatment, you will be classed as an outpatient. This is because there is no recovery time and you’re not required to stay in hospital.

You may find that you have to take out a more comprehensive private medical insurance policy to cover outpatient treatment. This is because many policies will only cover illnesses that are serious enough that you require an operation and a period in hospital (‘inpatient’ treatment – see below).

Outpatient treatment may include:

  • A consultation with a specialist
  • Diagnostic tests and scans to determine the problem
  • Chemotherapy and radiotherapy
  • Other complementary therapies (such as physiotherapy or acupuncture) having been referred by your GP

If you want to ensure that outpatient cover is included on your health insurance, we can help you. Simply complete the online form on our website and we’ll make sure a FSA regulated broker contacts you to discuss your options. They can compare health insurance to find the right policy at the right price – including outpatient cover if you want. Fill in the form now or keep reading to learn more about inpatient treatment.

What is inpatient treatment?

Inpatient treatment is the term that most private medical insurance policies use for hospital treatment that requires a stay of one or more nights.

The majority of private medical insurance policies will include inpatient cover. It means that you are insured for staying in either a private hospital, or the private wing of an NHS hospital. Your health insurance will also cover any further treatment or investigations related to your stay in hospital.

For example: if you are diagnosed with kidney stones, you may need to have an operation and spend a few days in hospital. In this case, you would be an inpatient.

The aim of private medical insurance is to ensure you return to full health as quickly as possible. This is why a PMI policy will typically cover all aspects of your inpatient treatment.

Inpatient treatment may include:

  • Hospital fees – either for a private hospital or a private ward at an NHS hospital. If you receive your treatment in an NHS ward you may receive a daily allowance instead
  • Consultant and specialist fees
  • Diagnostic tests and scans
  • Radiotherapy and chemotherapy
  • Costs of surgery

Which cover is right for me?

Different levels of health insurance cover offer different benefits. For example, you may find that a basic policy offers inpatient treatment but won’t cover you as an outpatient. A comprehensive health insurance policy may cover you for both plus a range of other benefits.

Briggs & Butler are private medical insurance specialists. When you complete our online form we will connect you to one of our panel of leading, FSA registered brokers who will contact you and discuss you and your family’s needs. They will then compare health insurance policies to find the right level of cover for you at the best price. They can also answer all your questions about the different levels of cover available under PMI policies. Simply complete the online quite form now to find out more.

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