Private Health Insurance

The Covid-19 pandemic has been an unprecedented and difficult time for everyone. Many patients have needed ventilation and intensive care support.

In order to support the huge demand on health services, the UK Government has sought to maximise the number of beds that can offer ventilation and intensive care support, and the available healthcare professionals who can help. During the first lockdown in 2020, the NHS enlisted the help of the private sector to help manage demand for intensive care and other critical services. They have been working closely with the Independent Healthcare Providers Network (IHPN) to reduce and expand this support as the demand due to the pandemic has changed over recent months. The ABI and our private medical insurance company members continue to fully endorse this collaboration. Where there are potentially more people who have immediately life-threatening conditions than there are resources to care for them, the country needs to come together as a whole to prioritise the sickest being treated first.

• Value of primary care services - Health insurance provides a range of benefits to policyholders which continue to be accessed during the Coronavirus outbreak. This includes the ability to have virtual and telephone (24hr) contact with GPs and consultants, as well as gaining specialist help for physiotherapy or mental ill health. These services have been expanded where possible during the course of the pandemic. Insurers are ensuring their customers have full awareness of the benefits that can be accessed from the comfort and safety of their homes.
• Managing mental ill health - During this outbreak, insurers have an important role to help people manage their conditions and their mental health as a priority, protecting both NHS capacity and ensuring patient safety. This means customers do not need a GP referral to access an initial assessment for their condition.
• Cancer care not affected - Cancer care for customers is crucial and insurers and private hospitals are working to ensure minimal impact on services. Private hospitals are endeavouring  to continue to provide cancer services at dedicated sites throughout the UK.
• Some treatments will be deferred - Whilst customers still have access to urgent and time critical care, a proportion of customer claims may need to be deferred due to the current surge in covid cases throughout the UK, however some regions may still have the ability to deliver non-urgent procedures and treatement, when it is safe to do so. We are working to ensure that deferred treatments remain authorised so they can be accessed as swiftly as possible as services return to normal.

• New services - Where some treatments are deferred over this period, insurers are focusing on delivery of other services. As well as expanding delivery of existing virtual services, insurers have created new virtual services than can be accessed remotely, such as providing musculoskeletal consultations and treatments to help customers manage their conditions. This also includes providing symptom checkers for a range of conditions, including Coronavirus.
• Managing treatments - Consultants have offered virtual diagnostics and treatment (for example pain relief and pain management) during the outbreak period whilst claims and treatment are deferred.
• Supporting health and well-being - Insurers are also looking to improve virtual services to support health and well-being, to help customers during a period when gyms are closed and other restrictions mean it is harder to access normal health services or to exercise away from the home.
• Cash back - If customers are hospitalised with Coronavirus they will be treated through the public health system, as there are no private intensive care facilities. If customers need to receive NHS treatment for Coronavirus, some insurers are offering a cash benefit to provide support to customers.

Where treatments and benefits may be deferred - not cancelled - customers will get the treatments they need, but these will be necessarily delayed if the treatment is non-urgent during this national crisis. The value of the policy over 12-18 months remains the same. The existing long-term value is not only still true, but also potentially higher given the addition of holding diagnostics and treatments around pain relief and it is possible that some more complex treatments emerge as conditions and diseases progress in this hiatus.

We recognise that this is a challenging time for people financially and personally but cancelling your health insurance policy may lead to difficulties in obtaining a new health insurance policy covering health conditions you may already have, or may develop in the time that you are not covered.

Across the UK, health providers need to think carefully about who should receive care now and who should be advised to wait. It is vital that those who need urgent care receive it, and prioritising these people whilst capacity is reduced is one of the key challenges. For non-urgent services, the added risk of travel, being in contact with others, and the fact that your immunity will be reduced, means that it is not as safe as before.

At the time of publication, some private facilities expect to continue to provide private care on a reduced basis – stopping some types of care which are less urgent or where there are clinical concerns about providing ongoing care. The position is changing daily, so for those customers who have appointments booked, we recommend you check in with your consultant and hospital in particular on the morning of any appointments, about whether your appointment is going ahead. Health insurers are collating and receiving information from hospitals on access, but the most up to date position will always be from your care provider, which is why we recommend you check in with them.

We understand that patients who are currently in a care pathway which is urgent, such as cancer treatment, should continue to receive their care. Some other patients will have their care paused due to the extraordinary crisis the pandemic has caused; individual hospital groups and other stakeholders are taking their own decisions for different services, parts of the country, and patient groups.

Please get in touch with your consultant or hospital to find out the on-going status of your treatment.

Private health insurers each offer a number of benefits which continue to function, including remote care with general practitioners, musculoskeletal (bone, joint, and muscle) clinicians and mental health practitioners. These benefits will vary from insurer to insurer.

Insurers will also have other bespoke health and care benefits they offer, many of which may be adapted to meet customer needs during this challenging period. Your insurer will assess your needs depending on your specific policy.

Your insurer can provide you with more details through their usual communication channels, such as via email, their website, phone, and webchat services.

After the pandemic subsides, there is likely to be a large catch-up period of postponed care in both the NHS and private sector. You will continue to be able to access private healthcare in both private and NHS hospitals that receive private patients as soon as they are able and it is safe to do so. When the coronavirus emergency eased in the summer, the NHS took the decision to ‘stand down’ some private facilities. This meant that some private healthcare facilities accepted private patients again, although there were some regional differences and these are likely to change over the early months of 2021.

Please contact your insurer to find out what treatment is currently being accepted that you can access.

Whether you have a dental insurance policy, Denplan or a cash plan for dental treatment, any cover for routine and emergency treatment is still valid. Denplan and cash plans will help you spread the cost of any treatment and that does not change. Whilst many dental surgeries will be closed during the lock down for routine appointments, treatment and cover for emergencies and accidents can still be accessed.

If you do need emergency treatment and your local surgery is closed, you should ring NHS 111 to find out which is your nearest surgery providing emergency treatment.

The best source of information on the pandemic is the NHS and Public Health England website and we encourage customers to follow news posted there. Your insurer will keep you up to date with developments on how they can help you during this difficult time. If you are currently under the care of a provider, they will also keep you up to date on your care options and when any postponed care may be re-scheduled.

Anything you can do to help, no matter how small or large, can make a real difference to the lives of people just like you – mothers, fathers, brothers, sisters, and children. There are many ways to volunteer, including approaching the NHS directly, your local authority (who will co-ordinate social services), and local neighbours. Plenty of advice can be found online on how to help. Do follow government advice on social distancing or other measures announced, at all times, as this is the best chance of reducing the spread of the infection in the community.