Health insurance for dentists, doctors and other medical professionals is really no different than private health insurance for other non-medical professions, but finding the right policy can still take time.
What is health insurance for dentists and doctors?
As a dentist, doctor or other medical professional you will know first hand the pressure the NHS is under so it is no wonder you are looking for and thinking about private insurance, it protects you and at the same time eases the burden on the NHS.
We regularly help all of the following medical professionals access the best health insurance:
- Doctors
- Dentists
- Nurses
- Surgeons
All the medical professionals we help with private health insurance are usually looking for the same thing, the ability to get treatment quickly if they get unwell.
What does private health insurance offer dentists and doctors?
Generally speaking, private health insurance will offer dentists and doctors the following:
- Private health treatments when you need them, bypassing NHS waiting lists
- Rest assured – you know you’ll be seen and treated quickly and receive the highest level of care
- Choice of where and when your treatment will take place
- Access to medicines and treatments that may not be available on the NHS
What does private health insurance for dentists and doctors cover?
All private health insurance policies cover the cost of treatment for eligible, acute conditions that require an overnight stay in hospital. Many policies will also cover the cost of day treatment, and only the most comprehensive cover outpatient diagnosis and treatment.
Coverage for inpatients and day patients
Most providers and policies will cover treatments that require an overnight or day-long hospital stay. Assuming you don’t have outpatient insurance, you will need to get a diagnosis through the NHS and then be referred to a private hospital for treatment. If you want to avoid potential delays in getting a diagnosis, read on because you’ll probably want to opt for outpatient insurance as well.
Outpatient coverage
The most comprehensive health insurance policies will cover your outpatient treatment and diagnosis, at least partially. This level of cover is where private health insurance really comes into its own as you can get your diagnosis and ultimately your treatment much quicker.
Outpatient insurance usually also covers things like physiotherapy, which as you know can be a very long waiting list on the NHS.
Whether or not you have outpatient insurance will be one of the primary factors affecting the cost of your policy.
In the next section of this article, we will look at more costs that will affect the cost of your private health insurance.
Additional options
All health insurance policies for doctors and dentists, from the most basic to compression, will allow you to add a variety of extras. This can include anything from dental cover to mental health cover if it is not included in the basic policy. Whenever you’re dealing specifically with health insurance, it’s helpful to speak with an independent advisor who can assess the market on your behalf and provide you with the most appropriate policy for your needs.
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How much does health insurance cost for a dentist or doctor?
The cost of health insurance for dentists, doctors and other medical professionals depends on a number of factors, some of which you will have control over and others you won’t.
Factors you have control over:
- The level of coverage you choose
- Surplus on the shelf
- The hospital list you choose
- The provider you go with
Factors over which you will not have control:
- Your location (not easy to change anyway)
- Your age
- Your medical history
Ultimately, the younger and healthier you are, the lower your health insurance premiums will be.
Do doctors need health insurance?
The NHS is amazing, it is truly rare to find such a large organization that is so universally loved, treating an incredible 1 million patients every 36 hours is simply brilliant. However, healthcare workers have experienced first-hand how much pressure the NHS is under, especially in recent times with Covid-19. The population is aging and becoming increasingly unhealthy, even before factoring in the global pandemic.
However, health insurance for doctors is a luxury, not a necessity, and the NHS can see and treat you if you want to.
More and more doctors and dentists are turning to private health insurance not just to protect themselves, but to get out of an already strained system. Chances are, if you work in the medical profession, you are classified as a key worker, which means you are also vital to the backbone of our country. The question, therefore, may be for doctors and dentists, can you afford not to have private health insurance?
Can I still use the NHS if I have medical or dental insurance?
Yes of course you can, private health insurance is designed to work alongside NHS services, not in place of them. There are services like accident and emergency that private healthcare cannot provide, so you still need the NHS.
Top health insurance companies for doctors and dentists
There are a number of leading companies that are a good fit for most doctors and dentists, including the following:
- Aviva
- AXA PPP
- Bupa
- Exeter
- Vitality
Get expert advice from health insurance experts from doctors and dentists
We regularly work with doctors and dentists to help them find the best policy for their circumstances. We take the hassle out of finding the right health insurance policy and can even offer advice on other financial services products, such as which life insurance company is best for you. Best of all, the service we provide is free and you will get the best prices currently available if you come through us. If you want to quickly compare the market for the best doctor and dentist cover.
