These are some of the FAQs we hear about Healthier Solutions. As a sole trader, working for yourself, there may be something else you'd like to know that's relative to your business. Don't hesitate, if there's something you'd like to ask, call our team of friendly experts, or ask us to call you back.
If you have a partner working with you in your business, then we'd offer you Solutions - our private health insurance product for small businesses. It's a policy that's designed specifically for 2 to 49 employees working in a business. You can read more about Solutions, on our Solutions pages.
Private health insurance helps you get prompt, private treatment if you're unwell. It's designed specifically to treat acute conditions that start after your policy begins (an acute condition is a disease, illness or injury that's likely to respond quickly to treatment so that you can return to your previous level of health). You pay us a premium, and in return, we'll provide you with healthcare cover. It gives you peace of mind, knowing that you and you family can get the treatment and care you need, promptly.
Better still, our private health insurance gives you extra benefits that can help you maintain your wellbeing and improve your fitness. Things like gym discounts, and health programmes such as MyHealthCounts.
No. We say 'private health insurance' most often, but providers could use both terms to describe the same thing. A policy that helps you get private treatment could be called private health insurance or private medical insurance.
If you take out our private health insurance online, we'll use our moratorium underwriting criteria. This means that you won't need to complete an in depth health questionnaire, but your cover will exclude any pre-existing conditions, illness or injury (whether or not diagnosed), based on the following:
If you have a policy with another provider at the moment, and want to find out more about the cover we could give you, call our team of friendly experts on 0800 42 42 42.
When you take out private health insurance with us you'll get prompt, private medical treatment at a nationwide network of hospitals and clinics. Our hospital lists (PDF 2.03MB) are designed to match your budget and preferences. The beauty of having private health insurance is that, as well as choosing a selection of hospitals where you'd like to receive treatment, you can usually arrange it at a time that's convenient.
Each one of our policies is designed to offer different kinds of benefit. We explain the differences between Healthier Solutions, our My Health Cash Plan, Speedy Diagnostics, Child Health Solutions and International Solutions on our understand our range of products page.
There are some specialists' fees that may fall outside the scope of your cover. It's important to us that you're confident and comfortable with the policy you buy, so we're happy to talk through any concerns you have about fees over the phone. If we can't answer your questions immediately, we're also happy to call you back with the information you're looking for.
Your policy is designed specifically to treat acute conditions that start after your policy begins (an acute condition is a disease, illness or injury that's likely to respond quickly to treatment so that you can return to your previous level of health), so conditions you already have and conditions that cannot be cured will not be covered. All of our policies also have standard exclusions, which will be listed in detail in your policy documents. A guide to the standard exclusions for Healthier Solutions is included on our What can this policy cover? page. Depending on your medical history, we may add limitations to your policy - but these will be explained in detail, and you're welcome to ask us questions about them at any time.
You'll get a number of free extra benefits with Healthier Solutions that could help you look after your health. As well as giving you access to those features, we also include discounts and rewards for good health, which could help you reduce the cost of your private health insurance when it's time for renewal.
If you're sick or injured, one of the last things you want is a stressful claims process. We know that getting back to work could be on your mind, so our claims team will do their best to make things go smoothly. You can start making a claim online or by speaking to us directly, whichever is most convenient.
Best of all, we can approve most claims over the phone and we'll settle bills directly with the hospitals so that you don't have to worry about too much paperwork.
Our specialist oncology claims department has a team that's trained to deal with the sensitive circumstances surrounding a claim for cancer treatment. And our specialist Women's Health Unit deals with claims that are unique to women: a female member of our claims team will be your personal contact, from start to finish.
An in-patient is someone who is admitted to hospital and who occupies a bed overnight or longer, for medical reasons. As a day-patient, you would be admitted to a hospital or day-patient unit because you need a period of medically supervised recovery but do not occupy a bed overnight. An out-patient is someone who attends a hospital, consulting room or out-patient clinic and is not admitted as a day-patient or in-patient.
You can phone us direct on 0800 42 42 42, with reference SEL WEB.