Health insurance from Adler Insurance Group, means peace of mind if you or your family become ill.

Although the National Health Service (NHS) does a great job with limited resources, millions of people in the UK decide they would rather be treated privately.

Those with private healthcare cover can benefit from speedier diagnosis and treatment, the highest quality care, lower infection risks, private rooms with internet access and round the clock visiting times. Health insurance is particularly popular with business people and the self-employed who need to return to work as quickly as possible and retired people where NHS waiting times for orthopaedic treatment has traditionally been one of the longest.

Private health insurance pays for healthcare treatment in private medical facilities. The scope of the cover varies considerably depending on the options you select. Many plans will cover inpatient and day patient treatment in full which means that you would be covered for treatment, testing and consultations where a hospital bed is required either overnight or just for the day.

Health insurance is a complex product and it is difficult for consumers to make reliable comparisons of different plans. An independent broker will recommend the policy most suited to your requirements and provide you with ongoing support. It’s no cheaper to go direct and a good broker will review your policy at each renewal to ensure that it continues to represent good value. A broker should also advocate for you if you run into difficulties with your insurer.

We can access plans that let you choose where and when you have treatment, with a network of consultants and private hospitals providing prompt diagnosis and access to the best possible medical care.

Typical features:
Comprehensive plans typically cover:
  • Eligible hospital fees including specialist fees, plus greater levels of outpatient care and higher cover limits
  • Eligible outpatient costs
  • A wider range of additional benefits such as complementary and alternative therapies.
  • Optional excess.
Standard plans typically cover:
  • Eligible hospital fees including specialist fees
  • Limited outpatient costs following and directly related to a hospital stay
  • Members will often need to contribute a pre-set amount per benefit in the form of a fixed co-payment.

Exclusions will change depending on a number of factors including your age and any pre-existing conditions. Your advisor will take you through these during the quotation process. This list of exclusions is a summary and is not a full list of all exclusions that may apply.

  • Accident and Emergency Care – all immediate care until stabilisation is achieved
  • Chronic conditions – including diabetes and asthma
  • Dentistry
  • Treatment in a hospital not on the hospital list issued by the insurer
  • Treatment of alcoholism, drug abuse or any addiction
  • Treatment of any psychiatric, mental or nervous conditions
  • The services of a GP or any person acting as one
  • Cosmetic treatment that is not necessary as a direct result of accidental injury
  • Out-patient drugs, medicines, contact lenses, spectacles or mobility devices
What information do you need to give me a quote?

Our dedicated team of business health insurance advisers will work closely with you to design a solution that provides the most appropriate, effective cover for your employees.

In order to provide you with a quote, we only need the following information:

  • Company name
  • Address including postcode
  • Nature of business
  • Age and gender of employees requiring cover
Could I use the hospital I want, when I want?

You will get prompt, private medical treatment at a nationwide network of hospitals and clinics. 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.

Is there a lot of paperwork involved in making a claim?

No. You can start a claim by speaking to our claims team directly and they will guide you through the process step by step. Best of all, they can approve most claims over the phone and they’ll settle bills directly with the hospitals, so that you don’t have to worry about too much paperwork.

What’s the difference between an out-patient, a day-patient and an in-patient?

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.

Will all of my specialist’s fees be covered?

There are some specialist fees that may fall outside the scope of your cover. We are happy to talk through any concerns you have about fees.

At Adler Insurance, we go to great lengths to understand your personal circumstances, goals and aspirations, as this will enable us to recommend the most appropriate solutions for you. The suitability of health insurance products will depend on various factors. There are many different types of protection products and, through discussion to understand your individual needs, an adviser will identify what product or combination of products most suits you.

Our market knowledge, extensive experience and relationships with leading providers means we are well-placed to find the best insurance solution for you. We can guide you through the many available options to a policy that matches your health needs and your budget. Our expertise is always completely independent and impartial.

We specialise in finding private medical insurance plans for individuals and families, as well as group health cover for businesses. We help thousands of businesses create employee benefits packages that give them the edge and protect their employees. We recognise that nothing is more important than peace of mind, and this is at the core of everything we do. From ensuring you have the best cover for your situation to providing ongoing support, we pride ourselves on a personal approach to insurance. Request a quote or contact us to see how we can help.

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